Transaction Card Authentication via Video Verification
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Solution Overview
Problem
Transaction cards are vulnerable to interception and unauthorized activation during delivery, as existing security measures can be bypassed through impersonation or phishing, leading to potential fraudulent use.
Innovation Solution
An authentication platform that requires users to record a video verifying their face, transaction card identifier, and performing an authorized action, which is then processed to ensure the user's identity and authenticity, thereby deterring unauthorized activation and facilitating secure card activation.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If traditional activation methods are used, then ease of operation is improved, but reliability deteriorates due to interception and unauthorized activation risks
Solution Approach 1:
The system performs preliminary actions by capturing the user's face image, card image, and authorized action video during the activation process. These preliminary captures are stored and later used for verification to ensure the person activating the card is the authorized user, thereby preventing unauthorized activation while maintaining ease of operation.
Solution Approach 2:
The system implements feedback mechanisms by comparing the captured face image, card image, and authorized action video against previously stored reference images and videos. This feedback loop verifies that the person attempting activation matches the authorized user, ensuring reliability without significantly complicating the activation process.
2Reliability
If multiple authentication procedures are executed, then reliability is improved by reducing fraudulent activation, but device complexity increases
Solution Approach 1:
The system merges multiple authentication elements (face recognition, card image verification, and authorized action video verification) into a single integrated authentication process. By combining these verification methods, the system achieves high reliability for fraud prevention while presenting a unified, manageable interface that does not significantly increase perceived complexity for the user.
3Reliability
If video recording and processing is required, then reliability improves through identity verification, but loss of time increases during activation
Solution Approach 1:
The system performs video recording and image capture as preliminary actions during the initial activation process. These captured media files are processed and stored in advance, so that subsequent verification operations can be performed quickly by comparing against the pre-captured reference materials, thereby reducing the time loss during actual activation attempts.
Data Source
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AI summary
A device may receive, from a user device, a multimedia file that is to be used to authenticate a transaction card. The multimedia file may include data identifying a face of a user, data identifying a transaction card identifier, and data identifying an authorized action. The device may determine whether to authenticate the transaction card by executing one or more authentication procedures. The device may execute a first authentication procedure to verify that the multimedia file includes the data identifying the face of the user, the data identifying the transaction card identifier, and the data identifying the authorized action. The device may determine whether to activate the transaction card based on whether the transaction card has been authenticated. The device may provide a notification to the user device indicating whether the transaction card has been activated based on whether the transaction card has been activated.