Bank Card Security Data Concealment via Augmented Reality Revealer
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Solution Overview
Problem
Current methods for securing bank payment card data are inadequate as they can be compromised through theft or hacking, with existing solutions either being complex and expensive to produce or vulnerable to fraudulent use if the card is stolen.
Innovation Solution
A method and device that partially obscure the security data on a bank payment card using an augmented reality system, where the obscured data is revealed only through a computer application on a mobile terminal, making it impossible for a thief to use the card without the owner's knowledge.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If security data is fully visible on the card, then ease of operation is improved, but security is worsened as thieves can access all data
Solution Approach 1:
The security data is segmented into two parts: a first part visible on the card and a second part stored securely in the terminal. This segmentation allows the card to be used with partial visibility while maintaining security through the hidden second part.
Solution Approach 2:
The terminal acts as an intermediary that stores the second part of the security data and provides it to the user only when needed for verification. This mediator ensures that the complete security data is not exposed on the card itself.
2Reliability
If dynamic cryptogram generation is implemented, then security is improved, but device complexity and manufacturing cost worsen
Solution Approach 1:
The second part of the security data is prepared and stored in advance in the terminal's secure memory, eliminating the need for complex real-time generation mechanisms on the card itself.
Solution Approach 2:
Instead of implementing complex dynamic generation on the card, the system uses a static copy of the security data stored securely in the terminal, which can be retrieved when needed without requiring complex processing on the card.
3Reliability
If multiple cryptograms are printed on the card, then security is improved, but ease of operation worsens as users must manually track positions
Solution Approach 1:
The terminal automatically manages and provides the second part of the security data without requiring the user to manually track or select specific cryptogram positions, eliminating the need for manual position tracking.
Solution Approach 2:
The manual mechanical process of tracking cryptogram positions is replaced by an electronic system in the terminal that automatically retrieves and provides the required security data through software management.
4Reliability
If hidden data is stored on a separate medium, then security is improved, but device complexity worsens due to combining multiple components
Solution Approach 1:
The terminal performs multiple functions: it stores the second part of the security data, verifies the first part presented on the card, and provides the complete security data when needed. This multi-functional approach consolidates what would otherwise be separate components.
Solution Approach 2:
The system merges the card (with first part of security data) and the terminal (with second part and verification capability) into a unified authentication system, where the terminal handles both storage and verification functions.
Data Source
Figure 1a~2b
Figure 3a~4b
Figure 5a~5d
AI summary
The invention relates to a method for securing secure data for a bank card associated with a bank account, which secure data are static and include the number of said card, identification data of the holder of said card, the expiration date of said card, and a security code, which bank card number and which security code consist of a plurality of numbers and/or letters, characterized in that the method includes the steps of: - only partially writing the secure data on said card such that secure data are concealed and never visible on said card, which concealed data are formed by: a plurality of numbers and/or letters of the number of said card and/or at least one identification datum of the holder and/or at least one element of the expiration date and/or at least one number and/or letter of the security code; - transmitting, to the holder of the card alone, a means for revealing the concealed data.