Centralized Card Management System for Secure Multi-Card Access
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Users face difficulties in managing and using multiple cards with varying security requirements, as each card needs to be carried separately and protected with individual PINs, leading to increased risk of loss and complexity.
Innovation Solution
A card-based system with a customer-related communication terminal and card management device, where a secure connection is established between the terminal and the card management device, allowing authentication and enabling the use of multiple cards through a single higher-level identification code, reducing the need to carry individual cards and maintaining security certifications.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If multiple individual cards are carried and used separately, then each card maintains its own security protection, but the complexity of managing multiple cards and their individual PINs increases significantly
Solution Approach 1:
The patent combines multiple individual card security functions into a single card management system. The control device stores and manages multiple card identifiers and their corresponding PINs, allowing the user to access different cards through one unified interface rather than carrying and managing multiple separate cards physically.
Solution Approach 2:
The card management system performs multiple functions: it stores multiple card identifiers, manages different PINs for different cards, authenticates users, and routes to the appropriate card application. This universal system replaces the need for separate manual management of each individual card.
2Adaptability or versatility
If multiple cards are carried in a wallet, then various card-based applications can be accessed, but the risk of losing cards increases
Solution Approach 1:
The system creates a digital representation or copy of multiple physical cards in the form of stored card identifiers in the control device. Instead of relying on physical cards that can be lost, the system maintains digital copies that can be accessed through the communication terminal, reducing the risk of loss while maintaining access to card-based applications.
3Reliability
If individual PINs are required for each card, then each card maintains its own security, but the user must remember multiple PINs which increases operational complexity
Solution Approach 1:
The card management system automatically manages the PINs for multiple cards without requiring the user to memorize them. When the user provides authentication to access the card management system, it automatically retrieves and supplies the appropriate PIN for the selected card, making the system self-service and reducing the operational burden on the user.
4Ease of operation
If a centralized card management system is implemented, then card handling is simplified, but ensuring secure authentication between terminal and management device becomes critical
Solution Approach 1:
The communication terminal acts as an intermediary between the user and the card management system. It establishes a secure connection to the control device, transmits authentication data, and receives card identifiers. This intermediary role ensures that authentication is performed securely through encrypted channels while maintaining ease of operation for the end user.
Data Source
Figure 1
Figure 2
AI summary
Among other things, a method for operating a card-based system (1) is provided, which comprises a customer-related communication terminal (50) and a separate customer-related card management terminal (70) in which at least one customer-related card (90, 91) is installed. A secure connection can be established between the communication terminal (50) and the card management terminal (70) using an IP address. Authentication is performed between the communication terminal (50) and the card management terminal (70) to authenticate the customer and/or the communication terminal or card management terminal. A user can select a customer-related card (90, 91) installed in the card management terminal (70) at the communication terminal (50).A card-based application can now communicate via the communication terminal (50) and the secure connection with the selected customer-specific card (90, 91) installed in the card management unit (70) in order to run the application.