METHOD AND SYSTEM TO CREATE A TRUSTED RECORD OR MESSAGE AND USAGE FOR A SECURE ACTIVATION OR STRONG CUSTOMER AUTHENTICATION

1 . A method to create a trusted NDEF record in an NFC device, comprising the steps of:

providing an NDEF application in said NFC device,

having a first NDEF record contained in an NFC device,

wherein said NDEF application is configured to generate a second NDEF record different from a previous first one, based on data collected, as a result of a detection or upon a receipt of a request of an NFC reader or after collection or capture of new data.

2 . A method according to claim 1 , wherein said NDEF record is created in real-time at a format compatible with an NDEF record standard.

3 . A method according to claim 1 , wherein said NDEF record is captured by the NFC reader in a read only mode.

4 . A method according to claim 1 , wherein said NDEF application is configured to realize the following steps:

Insert said data related to collected data into payload(s) of selected NDEF record(s) and,

Recalculate, in same communication session between NFC reader and NFC device, the length of said generated NDEF record and/or message.

5 . A method according to claim 1 , wherein the NFC device performs at least one internal cryptographic operation to generate a response before returning a record or a response.

6 . A method according to claim 5 , wherein the cryptographic operation is symmetric and/or HMAC-SHA operation, where the response may be truncated or not, and/or asymmetric key operation where the response is a signature.

7 . A method according to claim 6 , wherein said device comprises a banking application and said collected data includes an information related to an application transaction counter value, said value determining the validity of the generated response.

8 . A Method according to claim 1 , wherein said NFC device comprises an NFC banking device with a fingerprint reader, and wherein said collected data includes information related to a fingerprint read by the fingerprint reader.

9 . A Method according to claim 1 , wherein said collected data is associated to a specific corresponding action in said NFC reader or a remote server associated with said NFC device or said NFC reader.

10 . A Method according to claim 1 , wherein said collected data comprises an identifier, in order to identify the user and/or cardholder and/or card, wherein this identifier is either in plain text and/or anonymized or encrypted.

11 . A Method to trigger a trusted specific action in an NFC reader or a remote server, wherein an NFC reader reads an NDEF record in an NFC device, said NDEF record being interpreted or executed by an NDEF application to trigger an action,

wherein said NDEF record is created by a method to create a trusted NDEF record according to claim 1 .

12 . A method according to claim 11 , wherein said action is selected among:

a secure NFC reader activation;

a strong customer authentication;

authorise or unblock an access to a secure account;

display device information and/or reward on mobile display, and activated when said NFC device is presented to a NDEF reader in order to be read by it or interact with it;

establish or identify a certain context allowing a remote service provider to take a decision linked to said context;

authorize or activate a payment.

13 . A system to create a trusted NDEF record in an NFC device, comprising:

an NFC device containing a first NDEF record,

an NDEF application in said NFC device,

wherein:

said NFC device is configured to collect data as a result of a detection or upon a receipt of a request of an NFC reader or after collection of new data, and

said NDEF application is configured to generate a second NDEF record different from said first record, and based on collected data.

14 . A system according to claim 13 wherein said device is selected among

a contactless smartcard, a wearable device, an IoT device an electronic watch, a bracelet.

15 . A system according to claim 13 , wherein the system comprises an NFC reader selected among a mobile phone, an IoT device, an electronic NFC watch.

16 . A System according to claim 13 , wherein said NFC device comprises a banking application and said collected data includes an information related to an application transaction counter value.

17 . A System according to claim 13 , wherein said NFC device comprises a fingerprint reader, and wherein said collected data includes information related to a fingerprint read by the fingerprint reader.

18 . The system according to claim 13 , wherein said NFC device have at least one NDEF application configured or being able to manage a NDEF protocol, a specific software application, a biometric sensor, at least one memory containing a stored biometric matching logic and at least one biometric template, said biometric matching logic being configured to generate a positive matching signal if a successful match of a captured biometric data against at least one stored biometric template.

19 . The system according to claim 13 , wherein it comprises:

an NFC reader configured to read said NDEF record in said NFC device,

a remote server containing a server software application associated with said NFC device or said NFC device.