Contactless Card Activation Using Encrypted Tap Data
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Solution Overview
Problem
Existing payment card activation processes are insecure and lack flexibility, especially for contactless cards, and current online solutions do not adequately address the diverse requirements of various card types.
Innovation Solution
A system where contactless cards generate encrypted data upon tapping to a mobile device, which is decrypted by a server to determine card type and associated terms, allowing user acceptance before activation, enhancing security and compliance.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If card activation is moved to online platforms, then activation convenience is improved, but security and flexibility for diverse card types deteriorate
Solution Approach 1:
The system performs preliminary actions by pre-configuring encrypted data on the card containing card-specific terms and conditions before the card is activated. During activation, this encrypted data is automatically transmitted and decrypted, ensuring that the appropriate terms are presented to the user in advance of final card enablement, thus maintaining security while improving convenience.
Solution Approach 2:
The patent introduces an intermediary mechanism using encrypted data as a mediator between the card and the activation server. The encrypted data contains card-specific information that is decrypted during activation to determine applicable terms, serving as a secure intermediary that enables automated processing while maintaining flexibility for different card types and ensuring security through encryption.
2Ease of operation
If card activation is moved to online platforms, then activation convenience is improved, but adaptability to different card types deteriorates
Solution Approach 1:
The system applies local quality by storing card-specific terms and conditions in encrypted form directly on each card, tailored to the specific card type and issuer requirements. During activation, the system decrypts and applies only the relevant local terms for that specific card, enabling automated processing while maintaining adaptability to diverse card types through customized local configurations.
Solution Approach 2:
The patent utilizes parameter changes by varying the encrypted data content on different cards based on card type, issuer, and specific terms. The decryption process dynamically determines the appropriate parameters and terms for each card type, enabling the system to adapt to diverse card types while maintaining a unified automated activation process.
3Reliability
If encrypted data validation is implemented, then security is improved, but processing complexity increases
Solution Approach 1:
The system extracts the encrypted data validation process as a separate, dedicated function within the activation workflow. By isolating the decryption and validation steps as distinct operations, the system manages processing complexity while maintaining enhanced security through focused encryption/decryption routines that can be independently optimized and secured.
Data Source
AI summary
Systems, methods, articles of manufacture, and computer-readable media for determining specific terms to activate a contactless card. An application executing on a server may receive a request from a device specifying a uniform resource locator comprising encrypted data, the encrypted data based at least in part on a private key assigned to a contactless card. The application may decrypt the encrypted data and determine a type of the contactless card. The application may determine a plurality of terms associated with the type of the contactless card and transmit the terms to a web browser on the device. The application may receive, from the web browser, an indication specifying acceptance of the plurality of terms. The application may store, based on the decryption of the encrypted data and the received indication specifying acceptance of the terms, an indication in a database specifying the contactless card is activated for use.