Card Management System with Segmented Image Storage
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Solution Overview
Problem
Mobile wallets storing credit card or bank security card images directly on smartphones pose risks of data leakage and loss, as sensitive personal information is embedded in the images, and restoring card information becomes challenging when smartphones are replaced or broken.
Innovation Solution
A card management system comprising a user terminal and a card management server that separates text and background images from card images, storing text information such as card numbers and expiry dates separately, allowing secure backup and restoration of card information by generating a card security image and using position and size information to recreate the card image for financial transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If card images containing sensitive personal information are stored directly on smartphone, then ease of operation is improved, but security and reliability deteriorate due to risk of data leakage and loss
Solution Approach 1:
The patent segments the card image into two separate components: a background image (stored locally on smartphone) and text information containing sensitive personal data (stored on remote server). This segmentation allows the system to maintain ease of operation while improving security, as the sensitive text data is kept separate from the visual card representation.
Solution Approach 2:
The patent extracts the sensitive text information (card number, expiry date, CVV, etc.) from the card image and stores it separately on a remote server. This extraction removes the harmful element (sensitive data) from the local storage, reducing the risk of data leakage while preserving the card's functional use.
2Device complexity
If card images are stored only on smartphone, then device complexity is reduced, but reliability deteriorates when smartphone is replaced or damaged
Solution Approach 1:
The patent implements preliminary action by automatically backing up card text information to a remote server before any potential device failure occurs. This pre-established backup mechanism ensures that card data can be restored without loss when the smartphone is replaced or damaged, eliminating the need for manual restoration procedures.
Solution Approach 2:
The patent creates a copy of the sensitive text information and stores it on a remote server. This copying mechanism ensures that the data exists in multiple locations, providing redundancy and enabling restoration capability without significantly increasing device complexity.
3Reliability
If text information is separated and stored on server, then security is improved, but device complexity increases due to server communication requirements
Solution Approach 1:
The patent introduces a server as an intermediary component to store and manage sensitive card text information. This intermediary handles the complexity of secure storage, authentication, and data retrieval, allowing the smartphone to maintain relative simplicity while still achieving high security through the server's protective mechanisms.
Data Source
AI summary
A card management system using a mobile wallet according to the present invention comprises: a user terminal having a mobile wallet for performing a finance trade function corresponding to a finance card; and a card management server which receives and stores card image information for the finance card from the user terminal, and which, when the finance card is to be used by way of the mobile wallet, searches for the stored card image information and provides the card image information to the user terminal.