Biometric Reader in Digital Transaction Card

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Solution Overview

Problem

Current digital transaction systems face challenges in securely managing multiple credit or debit cards and identity documents, with limitations in adapting secure elements to embody different personalities and inadequate biometric authentication, leading to increased fraud and inconvenience.

Innovation Solution

A Digital Transaction Card (DTC) with a biometric reader and processor that allows for biometric data authentication, enabling the card to selectively assume different personalities and securely manage multiple digital transaction documents, along with a Data Assistance Device (DAD) for data transfer and selection, enhancing security and convenience.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If multiple credit or debit cards and identity documents are managed in current digital transaction systems, then users can access multiple transaction accounts, but security is compromised and fraud increases

Engineering Contradiction:

Improveability to manage multiple transaction documentsVSAvoidsecurity against fraud

Core Design Contradiction:

Adaptability or versatilityVSReliability

Solution Approach 1:

The patent combines multiple transaction personalities (credit cards, debit cards, identity documents) into a single secure element within one physical card. The secure element can be reconfigured to embody different personalities, allowing the user to manage multiple transaction documents through a single authenticated interface, thereby maintaining security while providing versatility.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The secure element is designed to perform multiple functions by embodying different personalities. A single secure element can be reconfigured to represent various transaction accounts and identity documents, making the system universal and adaptable to different transaction types without compromising security through multiple physical cards.

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Adaptability or versatility

If secure elements are adapted to embody different personalities, then versatility is improved, but device complexity increases

Engineering Contradiction:

Improveability of secure element to assume different personalitiesVSAvoidcomplexity of secure element configuration

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system enables automatic personality selection and switching based on transaction context. The secure element and associated processing systems automatically determine which personality to activate without requiring complex manual configuration by the user, thereby reducing operational complexity while maintaining versatility.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The secure element is designed with dynamic reconfiguration capability, allowing it to switch between different personalities as needed. This dynamic nature enables the secure element to adapt its identity and associated transaction parameters in real-time based on the transaction context, simplifying the user experience while maintaining versatility.

Inventive Principle:

Principle #15Dynamics

3Reliability

If biometric authentication is implemented, then security is improved, but ease of operation decreases

Engineering Contradiction:

Improveauthentication securityVSAvoidconvenience of card usage

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The patent replaces traditional mechanical authentication methods (PIN entry, physical card handling) with biometric authentication. By using inherent biological characteristics such as fingerprints, the system enhances security while maintaining ease of operation, as biometric authentication is more convenient and harder to compromise than traditional methods.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

4Adaptability or versatility

If users carry multiple physical cards for different transactions, then versatility is improved, but loss of time increases due to selecting and managing cards

Engineering Contradiction:

Improveaccess to multiple transaction accountsVSAvoidtime to select and manage cards

Core Design Contradiction:

Adaptability or versatilityVSLoss of time

Solution Approach 1:

The patent consolidates multiple transaction personalities into a single physical card with one secure element. This eliminates the need for users to physically handle, select, and manage multiple separate cards, thereby reducing the time lost in card management while maintaining access to all transaction accounts through automatic personality selection.

Inventive Principle:

Principle #5Merging (Combining)

Data Source

PatentUS11620633B2Biometric reader in card

Publication Date: 2023.04.04 XARD GRP PTY LTD

AI summary

Digital transaction apparatus including a Data Assistance Device (DAD), including a user interface that is operable to at least select data, and a DAD transmitter, a Digital Transaction Card (DTC), including a Digital Transaction Processing Unit (DTPU), and a DTC receiver, wherein the DAD and DTC are operable to transfer data from the DAD to the DTC and when subsequently using the DTC to effect a digital transaction, the DTC operates in accordance with the data selected and transferred from the DAD to the DTC, the DTC including a biometric reader operable to obtain biometric data of at least one physical characteristic of a user, wherein the biometric reader is connected to the processor for data transfer therebetween, wherein reference biometric data of an authorised user is stored on the processor, and wherein the DTC is operable to compare the obtained biometric data with at least a section of the reference biometric data, such that the authorisation of the user is determined.