Payment card with light-based signature

Active Publication Date: 2022-01-27
BANK OF AMERICA CORP
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Benefits of technology

The patent describes a system that uses light to verify the authenticity of a payment card. The card is made of a special mix of materials that can be seen through it. A light source shines light on the front of the card, and an image capture device captures the light pattern. A processor compares this pattern to a reference pattern to verify the authenticity of the card. The technical effect of this system is to provide a secure way to verify the authenticity of a payment card, which can prevent fraud and improve security.

Problems solved by technology

Even if a card remains in a user's possession, this sensitive information may be extracted by a bad actor during a point of sale transaction or other use of the card.
In addition, card data may be compromised while stored in an issuer database or a merchant database.
A bad actor may use the data to generate a cloned credit card with the user account information.

Method used

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  • Payment card with light-based signature
  • Payment card with light-based signature
  • Payment card with light-based signature

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0016]Systems, methods and apparatus may include a payment card with a unique light-based signature. The payment card signature may be a distinguishing physical feature that marks the card as unique.

[0017]The payment card may have a size and thickness similar or identical to a conventional credit card. The payment card may have a thickness that is not greater than 0.8 millimeters (“mm”) and a surface area that is not greater than 86 mm×54 mm. Such a compact form factor may allow the payment card to be inserted into traditional card readers and function as a typical debit or credit card. The payment card may include a magnetic strip for encoding user identification or user account information. The payment card may include an EMV chip.

[0018]The payment card may be composed of a randomized mix of materials. In some embodiments, the payment card materials may be randomly selected from a predetermined set of materials. In some embodiments, the set of payment card materials may be fixed, ...

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PUM

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Abstract

Systems, methods and apparatus are provided for light-based authentication of a payment card. The payment card may include a randomized mix of materials. The materials may include transparent or translucent materials. A light source may shine light on a surface of the payment card. Light passing through the card may generate a light pattern that is unique to the payment card. The light pattern may be captured and compared to a reference light pattern to authenticate the payment card. In some embodiments, photodetectors may detect light patterns generated through interactions with the card materials.

Description

FIELD OF TECHNOLOGY[0001]Aspects of the disclosure relate to light-based protocols for authenticating a payment card.BACKGROUND OF THE DISCLOSURE[0002]Payment cards such as credit or debit cards typically encode sensitive user information in a magnetic strip or an EMV chip. Even if a card remains in a user's possession, this sensitive information may be extracted by a bad actor during a point of sale transaction or other use of the card. In addition, card data may be compromised while stored in an issuer database or a merchant database. A bad actor may use the data to generate a cloned credit card with the user account information.[0003]It would be desirable to provide a unique physical card signature, i.e. a pattern of light passing through the card, reflecting off the card, or generated by interaction with the card, that cannot be easily replicated on a cloned payment card.SUMMARY OF THE DISCLOSURE[0004]Systems, methods and apparatus for light-based authentication of a payment car...

Claims

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Application Information

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IPC IPC(8): G06K19/06B42D25/305B42D25/351B42D25/36
CPCG06K19/0614G06K19/06037B42D25/36B42D25/305B42D25/351G06K19/06187G06K19/07703G06K19/07705G06K19/02G06K19/16G06K19/10G06K7/12G07F7/082G07D7/2033G07D7/04G07D7/003G07D7/1205
InventorYARABOLU, VIJAY KUMAR
OwnerBANK OF AMERICA CORP