Chip Card Imaging Verification System for Inventory Optimization

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Solution Overview

Problem

Institutions issuing EMV cards face challenges with expired chip cards, leading to inventory management issues, regulatory compliance problems, and customer impact due to the lack of standardized chip information, which complicates automated inventory tracking and card issuance.

Innovation Solution

A card imaging and verification system utilizing two-dimensional barcodes to capture and verify chip information, including expiration dates, which are then stored in a database to optimize inventory management and card issuance, reducing manual interventions and improving efficiency.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If traditional inventory tracking methods are used for chip cards, then manual tracking is simpler, but read errors increase and throughput rate decreases

Engineering Contradiction:
Improveread accuracyVSAvoidthroughput rate
Core Design Contradiction:
Measurement precisionVSProductivity

Solution Approach 1:

The patent uses two-dimensional barcodes as visual copies of chip card information that can be captured by vision systems. The barcode contains encoded data about the chip expiration date and is printed on the card or associated packaging, creating a redundant visual representation that can be read optically without physical contact with the chip, thereby improving both read accuracy and processing speed

Inventive Principle:
Principle #26Copying

Solution Approach 2:

The patent replaces manual tracking methods and direct chip reading with an automated vision system that captures images of two-dimensional barcodes. This substitution of mechanical/optical automation for manual processes eliminates human error in reading information and significantly increases the throughput rate of inventory tracking

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

2Reliability

If chip information is not tracked accurately, then inventory management is simpler, but card expiration issues and compliance problems increase

Engineering Contradiction:
Improvechip information accuracyVSAvoidinventory management system complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent captures and stores chip expiration date information in advance by reading the two-dimensional barcode when the card is received or before it expires. This preliminary action allows the system to proactively identify cards nearing expiration and automatically generate replacement orders, ensuring accurate tracking without complex real-time monitoring mechanisms

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The patent introduces a two-dimensional barcode as an intermediary that bridges the gap between the physical chip card and the digital inventory management system. The barcode serves as a reliable, machine-readable medium that accurately encodes chip information, eliminating the need for complex direct chip interfacing while maintaining high data accuracy

Inventive Principle:
Principle #24Intermediary (Mediator)

3Productivity

If manual card tracking is used, then system complexity is lower, but manual interventions increase and efficiency decreases

Engineering Contradiction:
Improvecard issuing efficiencyVSAvoidautomated tracking capability
Core Design Contradiction:
ProductivityVSExtent of automation

Solution Approach 1:

The patent implements an automated system where the vision system independently captures barcode images, the processor automatically decodes the two-dimensional barcode to extract chip information, and the system autonomously compares this data with database records. This self-service automation eliminates the need for manual card tracking and verification, significantly improving card issuing efficiency while maintaining high levels of automation

Inventive Principle:
Principle #25Self-service

4Measurement precision

If two-dimensional barcodes are used to capture chip information, then read errors decrease and throughput increases, but system complexity increases

Engineering Contradiction:
Improvebarcode reading accuracyVSAvoidimaging and verification system complexity
Core Design Contradiction:
Measurement precisionVSDevice complexity

Solution Approach 1:

The patent employs a vision system that uses two-dimensional barcode reading technology to perform multiple functions: capturing chip expiration dates, verifying card authenticity, and tracking inventory. This multi-functional approach consolidates what could be separate complex systems into a single unified platform, achieving high reading accuracy without proportionally increasing overall system complexity

Inventive Principle:
Principle #6Universality (Multi-functionality)

Data Source

PatentUS10373111B2Chip card imaging and verification system
Publication Date: 2019.08.06 BANK OF AMERICA CORP
  • US10373111B2 patent drawing
  • US10373111B2 patent drawing
  • US10373111B2 patent drawing

AI summary

A system includes a vision system, a database, a chip reader, and a computer system. The computer system accesses an image of a two-dimensional barcode captured by the vision system and determines barcode information for a group of cards. The barcode information comprises a chip expiration date that applies to the cards in the group of cards. The computer system accesses particular chip information read by the chip reader for a particular card of the group of cards and verifies that the particular chip information matches the barcode information. The computer system updates the database to include the chip expiration date for the group of cards. The computer system analyzes a plurality of chip expiration dates stored in the database and determines, based on the analysis, an order in which to pull groups of cards from inventory in order to issue cards to users.