Biometric Payment Card With Hidden Card Number Authentication
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Solution Overview
Problem
Traditional credit cards are susceptible to fraud and misappropriation due to the display of complete transaction card information, which can be easily memorized or copied.
Innovation Solution
A transaction card with a personalized indicia displayed on the surface and a biometric sensor, where the complete transaction card number is stored on an encoded portion, allowing only the personalized indicia to be visible and requiring biometric verification for authorization.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If complete card information is displayed on traditional credit cards, then ease of operation is improved, but security is worsened
Solution Approach 1:
The card information is segmented into two parts: personalized indicia displayed on the card surface and the complete card number stored on the encoded portion. This segmentation allows the card to be easily readable while protecting the sensitive complete card number from exposure.
Solution Approach 2:
The biometric sensor acts as an intermediary between the card and the card reader. It provides an additional layer of authentication by verifying the cardholder's biometric data, ensuring that only the authorized cardholder can use the card even if the personalized indicia are visible.
2Reliability
If complete transaction card number is stored on encoded portion, then reliability is improved, but loss of information is worsened
Solution Approach 1:
The card information is segmented into two parts: personalized indicia displayed on the card surface and the complete card number stored on the encoded portion. This segmentation allows the card to be easily readable while protecting the sensitive complete card number from exposure.
Solution Approach 2:
Different parts of the card have different qualities: the personalized indicia are visible and accessible for identification, while the complete card number is stored securely on the encoded portion and is not directly visible, providing localized security where needed.
3Reliability
If biometric sensor is added to the card, then security is improved, but device complexity is worsened
Solution Approach 1:
The biometric sensor is merged with the existing card structure and encoded portion. The sensor, encoded portion, and card body form an integrated system where the sensor communicates with the card reader along with the encoded card number, reducing the need for separate components.
Solution Approach 2:
The card reader is designed to handle multiple types of cards with different encoded portions (magnetic strip, contact chip, contactless chip) and can process both traditional card transactions and biometric authentication, making it a universal device that accommodates the added biometric functionality without requiring separate infrastructure.
Data Source
AI summary
A transaction card for secure payments is provided. The transaction card includes a personalized indicia on a surface. It can also include an encoded portion to communicate with a card reader, where a complete transaction card number is stored. Additionally, the card may have a biometric sensor, which can communicate with the card reader to complete a transaction. A method for conducting a transaction using such a card is also provided. The method involves receiving a communication from the encoded portion at the card reader, where the communication includes the complete transaction card number with the personalized indicia. Next, a biometric input from the card's sensor can be received by the card reader. The complete transaction card number and biometric input are then transmitted to the issuer for authorization. An authorization response is received from the issuer, and finally, an authorization notification is generated at the card reader.