Card Malfunction Resolution via 2D Barcode Vision Processing

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Solution Overview

Problem

Card issuing systems experience high misread rates due to vision cameras' inability to accurately interpret different font shades and card type number placements, leading to decreased performance and throughput, and user devices face security risks from storing sensitive card information.

Innovation Solution

Implementing a vision system that captures and processes two-dimensional barcodes on cards to obtain card processing and user information, generating a resolution request message that is securely sent to an associated institution, thereby reducing misreads and enhancing security.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Extent of automation

If vision cameras are used to read card information, then automated card processing is enabled, but misread rates increase due to inability to accurately interpret different font shades and card type number placements

Engineering Contradiction:
Improveautomated card processingVSAvoidcard information reading accuracy
Core Design Contradiction:
Extent of automationVSMeasurement precision

Solution Approach 1:

A portable computing device serves as an intermediary between the vision camera system and the card information. The device captures images of the card, processes the visual information locally using its more powerful processor, and transmits the accurately decoded card details to the automated processing system, thereby bridging the gap between automated reading and high precision

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent replaces the insufficient vision camera-based mechanical reading system with a portable computing device that uses advanced image processing algorithms and more capable vision systems, substituting the weak optical-mechanical reading mechanism with a more sophisticated digital processing approach

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

2Ease of operation

If card information is stored on user devices for troubleshooting, then diagnostic capability is improved, but security risks increase from unauthorized access to stored information

Engineering Contradiction:
Improvecard troubleshooting capabilityVSAvoidunauthorized access to card information
Core Design Contradiction:
Ease of operationVSObject-affected harmful factors

Solution Approach 1:

The patent extracts only the essential card information needed for troubleshooting from the complete card data set, storing only what is necessary for diagnostic purposes while leaving sensitive personal and account information on secure institutional servers, thereby reducing the security risk exposure

Inventive Principle:
Principle #2Taking out (Extraction)

Solution Approach 2:

The portable computing device acts as an intermediary that temporarily holds card information during troubleshooting operations and automatically transmits it to institutional servers for secure storage, preventing long-term storage on user devices and reducing exposure to unauthorized access

Inventive Principle:
Principle #24Intermediary (Mediator)

3Measurement precision

If manual intervention is used to resolve card reading errors, then reading accuracy can be verified, but system throughput rate decreases

Engineering Contradiction:
Improvecard information reading accuracyVSAvoidsystem throughput rate
Core Design Contradiction:
Measurement precisionVSProductivity

Solution Approach 1:

The portable computing device performs self-service by automatically capturing card images, processing the visual information, decoding card details, and transmitting results without requiring manual verification, enabling the system to maintain high accuracy while operating autonomously at full throughput speed

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The patent applies preliminary action by having the portable computing device process and verify card information before it reaches the automated processing system, pre-resolving potential reading errors and eliminating the need for subsequent manual intervention, thereby maintaining both accuracy and throughput

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS20170345234A1Resolving Card Malfunctions Using Card Information Access Control
Publication Date: 2017.11.30 BANK OF AMERICA CORP
  • US20170345234A1 patent drawing
  • US20170345234A1 patent drawing
  • US20170345234A1 patent drawing

AI summary

An apparatus that includes a vision system configured to capture images of two-dimensional barcodes. The apparatus further includes a processor operably coupled to the vision system and a network interface. The processor is configured to process a captured image of a two-dimensional barcode on a card to obtain card processing information, to obtain user information for a user associated with the card, and to combine the card processing information with the user information to generate a resolution request message. The network interface is configured to send the resolution request message to an institution associated with the card.