Assistive Device Secure Transaction via Hash Authentication
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Solution Overview
Problem
Individuals with disabilities face challenges in conducting financial transactions at ATMs or POS systems due to the need to hand over sensitive payment cards, which poses a security risk.
Innovation Solution
A system that registers an assistive device with a financial institution, allowing it to interact directly with POS terminals via short-range wireless communication, authenticates the device using hashes of customer and device identifiers, and enables secure transaction execution without requiring a personal identification number (PIN).
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If a customer hands over a payment card to complete a transaction, then the transaction can be executed, but security risk increases due to exposure of sensitive information
Solution Approach 1:
The patent introduces an assistive device as an intermediary between the customer and the payment card. The device contains a payment application that can execute transactions without the customer physically handling the card. The assistive device communicates with the payment terminal through established protocols, enabling transaction execution while the customer retains possession of the card at all times.
Solution Approach 2:
The patent creates a functional copy of the payment card's transaction capability within the assistive device. The payment application stored on the assistive device replicates the card's ability to initiate and complete transactions, allowing the customer to use the device instead of the physical card. This copying approach eliminates the need to expose the actual card while maintaining transaction functionality.
2Reliability
If a customer uses an assistive device to complete transactions, then independence and security improve, but device complexity increases
Solution Approach 1:
The assistive device is designed with multi-functionality, serving both as a general assistive tool for customers with disabilities and as a payment execution device. The payment application leverages existing communication protocols and interfaces that the assistive device already supports, rather than requiring entirely new specialized hardware or software components.
Solution Approach 2:
The patent merges the payment functionality with the existing assistive device platform. The payment application is integrated into the device's operating system and utilizes existing communication modules, user interface elements, and security features already present in the assistive device, thereby avoiding the need for a separate complex payment system.
3Productivity
If short-range wireless communication is used for device authentication, then transaction speed improves, but authentication complexity increases
Solution Approach 1:
The authentication process is performed preliminarily during device registration. The payment terminal establishes communication with the assistive device, verifies its capabilities, and stores authentication credentials in advance. This preliminary authentication eliminates the need for complex real-time verification during each transaction, allowing for faster subsequent transactions while maintaining security.
Data Source
AI summary
Systems, methods, and apparatus are provided for secure transaction execution at an assistive device. Assistive devices include technologies that support people with disabilities in daily tasks, such as mobility aids or vision aids. An assistive device may be preregistered with a financial institution. The financial institution may generate a first hash incorporating a customer identifier and a device identifier. At the time of transaction, an active session may be initiated with the assistive device at a POS terminal, self-service kiosk, or financial institution. The assistive device may use short range wireless communication such as NFC or UWB to transmit the customer identifier and device identifier. A second hash may be generated and compared to the first hash to authenticate the device. Following authentication, the transaction may be completed at the assistive device via user inputs to the assistive device.