ARTID Virtual Secure Element for Tamper-Resistant Payment Authorization
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Solution Overview
Problem
Existing data security systems face challenges in preventing unauthorized access to credit card accounts, particularly with the increasing use of chip and PIN technologies, as they lack robust mechanisms to ensure the integrity and security of transaction identifier datastructures.
Innovation Solution
The Antifraud Resilient Transaction Identifier Datastructure Apparatus (ARTID) transforms PIN and unique user identifying device data into secure payment authorization outputs by utilizing a certified hardware security module (HSM) to emulate a chip and PIN pad, generating a tamper-resistant asset account, and integrating a virtual secure element into a network-accessible infrastructure.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional PIN and credit card systems are used, then ease of operation is maintained, but security and reliability against unauthorized access are insufficient
Solution Approach 1:
The patent creates a virtual copy of the physical secure element (HSM) and emulates chip-PIN pad functionality within a network-accessible infrastructure. This virtual secure element replicates the security functions of physical cards while adding network-level protection layers, resolving the contradiction by providing enhanced reliability through virtualization without requiring users to change their interaction patterns
Solution Approach 2:
The patent introduces a virtual secure element and ARTID system as an intermediary between the user and the payment network. This intermediary layer provides additional security verification (ARTID transformation, network-level PIN verification) while maintaining the familiar chip-PIN interface, thus improving reliability without significantly increasing perceived complexity for end users
2Reliability
If chip and PIN technology is implemented, then unauthorized access prevention is improved, but the system lacks robust mechanisms for transaction identifier integrity
Solution Approach 1:
The patent segments the transaction identification and verification process into multiple components: the traditional chip-PIN authentication, the ARTID transformation layer, and the network-level verification system. This segmentation allows each layer to handle specific security functions, improving transaction integrity while distributing complexity across multiple manageable components rather than concentrating it in a single complex system
Solution Approach 2:
The patent adds a network-level dimension to the traditional card-PIN verification process. By introducing ARTID (Antifraud Resilient Transaction Identifier) that operates at the network infrastructure level rather than just at the terminal level, the system enhances transaction identifier integrity without requiring changes to the physical card or terminal complexity
3Reliability
If a virtual secure element is integrated into network infrastructure, then security is enhanced, but device and infrastructure complexity increases
Solution Approach 1:
The patent designs the virtual secure element to perform multiple functions: it emulates physical chip-PIN verification, generates and verifies ARTIDs, and provides network-level security verification. This multi-functionality consolidates what could be separate complex systems into a single unified infrastructure component, enhancing data security while managing infrastructure complexity through functional integration
Data Source
AI summary
The Antifraud Resilient Transaction Identifier Datastructure Apparatuses, Methods and Systems (“ARTID”) transforms PIN, unique user identifying device datastructure inputs via ARTID components into secure payment authorization outputs. The ARTID includes a virtual secure element datastructure transaction apparatus, comprising, a memory, a component collection in the memory, and a processor disposed in communication with the memory, and configured to issue a plurality of processing instructions from the component collection stored in the memory. ARTID includes instructions to: obtain request to generate a tamper resistant asset account from a requestor, and instantiate a new tamper resistant asset account, wherein the account is populated with the requestor identifier, unique requestor device identifier, a secure cryptographic element for the tamper resistant account. ARTID also includes instructions to provide a message to generate a new physical account card and an associated virtual account card associated with the tamper resistant asset account, and obtain a request to engage the virtual account card in a transaction, wherein the request includes the user access credential. ARTID also includes instructions to generate a card access event message from the request to engage the virtual account card, provide the card access event message to a payment network, and obtain a card access event authorization response.