Acoustic Transaction Signal Verification
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Solution Overview
Problem
Existing transaction systems lack secure data transfer connections between portable data carriers and end devices, making transactions vulnerable to tampering by third parties, as PIN entry and encryption methods do not adequately secure the transaction process.
Innovation Solution
A method using a portable data carrier that generates a transaction acoustic signal by acoustically superimposing a user-specific melody with transaction data, allowing the user to verify the authenticity of the transaction through acoustic reproduction, ensuring secure transaction execution by matching the melody and data, thereby enhancing tamper resistance and user recognition.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If a secured data transfer connection is implemented between data carrier and transaction terminal, then transaction security is improved, but device complexity increases
Solution Approach 1:
The patent replaces traditional mechanical/security-based authentication (PIN entry, encryption keys) with an acoustic signal verification system. The transaction terminal generates and plays back acoustic signals containing transaction data, allowing the user to verify transaction details through sound rather than relying on complex cryptographic protocols or secure hardware connections.
Solution Approach 2:
The acoustic signal acts as an intermediary carrier that transports transaction information from the terminal to the user in a verifiable form. Instead of directly displaying sensitive data or relying on encrypted communications, the system uses acoustic reproduction as a neutral medium that the user can independently verify, bridging the gap between secure processing and user awareness.
2Reliability
If acoustic signal verification is implemented, then user recognition of transaction authenticity is improved, but ease of operation decreases
Solution Approach 1:
The system requires the user to perform an additional verification action (listening to and recognizing the acoustic signal) beyond the standard transaction clearance. This partial additional action ensures authenticity verification while keeping the overall process relatively simple, as the user only needs to recognize their own voice or a known acoustic pattern rather than performing complex security checks.
3Reliability
If the user's own voice is used for acoustic verification, then security against tampering is improved, but ease of operation is reduced
Solution Approach 1:
The system uses the user's own voice recording as the verification mechanism, making the authentication process self-verified. The user's voice serves as both the credential and the verification medium, eliminating the need for external authentication authorities or complex biometric scanning systems. The user essentially verifies their own identity through acoustic self-recognition.
Data Source
AI summary
For clearing transaction data selected for a processing, there is generated in a portable data carrier (1) a transaction acoustic signal (003; 103; 203) (S007; S107; S207) upon whose acoustic reproduction by an end device (10) at least transaction data selected for the processing are reproduced superimposed acoustically with a melody specific to a user of the data carrier (1) (S009; S109; S209). The generated transaction acoustic signal (003; 103; 203) is electronically transferred to an end device (10) (S108; S208), which processes the selected transaction data (S011; S121; S216) only when the user of the data carrier (1) confirms vis-à-vis the end device (10) an at least partial match both of the acoustically reproduced melody with the user-specific melody and of the acoustically reproduced transaction data with the selected transaction data (S010; S110, S116; S210).