Biometric Transaction Card Local Code Generation
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Solution Overview
Problem
Current transaction certification systems are vulnerable to unauthorized use, especially in cases of stolen cards, as they rely on remote data comparison, which can lead to fraudulent transactions without the rightful owner's authorization.
Innovation Solution
A system that combines a physical medium with a biometric parameter reader and a device generating a paired code, stored on the medium, eliminating the need for remote data exchange by directly comparing the generated code with a stored biometric parameter, enhancing security through a combined code generated from an electronic and biometric code.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If remote data comparison is used to certify transactions, then transaction certification can be performed, but security is compromised and data exchange increases
Solution Approach 1:
The patent extracts the essential verification function from remote server comparison and implements it locally on the card through a microprocessor. The card independently generates and verifies transaction codes using stored cryptographic keys and biometric data, eliminating the need to exchange sensitive data with remote servers while maintaining certification capability.
Solution Approach 2:
The patent introduces a biometric parameter as an intermediary element that bridges the physical card and the user's identity. The biometric data stored on the card serves as a mediator that enables secure local verification without requiring remote data exchange, as the combination of card data and biometric verification provides sufficient authentication.
2Reliability
If only electronic code is used on the card, then data exchange is simple, but security is insufficient against theft
Solution Approach 1:
The patent merges multiple security elements into a single card system: electronic cryptographic keys, biometric templates, and processing capability are combined in one device. This integration allows the card to perform secure verification locally without requiring complex external systems, as all necessary components are unified within the card's microprocessor environment.
Solution Approach 2:
The patent transforms static electronic code into dynamic verification by incorporating biometric parameters. The verification process changes from simple code matching to a multi-parameter authentication system that combines electronic data with unique biometric characteristics, significantly enhancing security while maintaining manageable system complexity.
3Reliability
If biometric parameter is read and paired with electronic code, then security is enhanced, but device complexity increases
Solution Approach 1:
The patent implements self-service by enabling the card to autonomously perform verification operations using its embedded microprocessor. The card independently combines electronic code with biometric parameters and generates verification codes without requiring external processing equipment, thereby enhancing security while avoiding the complexity of additional verification devices.
Data Source
AI summary
A system for certifying a transaction includes a physical medium adapted to store an electronic code, a device for reading a biometric parameter of the user, and a device adapted to generate a code. The code is obtained from the pairing of the electronic code contained on the physical medium and of the biometric parameter detected by the reading device. The generated code is then stored on the physical medium.