Contactless Card Verification Using NDEF and EMV Identifiers
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
The increasing use of credit and debit cards for transactions has led to increased risks of fraud and theft due to the difficulty in verifying the user's identity and the ease of misappropriating card credentials, especially in remote transactions.
Innovation Solution
A system and method for user verification using a short-range transceiver, such as a contactless card, that reads and compares two types of data (NDEF and EMV) with stored user identifiers to enhance verification, utilizing a client device, server, and database to confirm the authorized user.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If card credentials are printed on the card or contained in a magnetic stripe, then transaction convenience is improved, but fraud risk increases due to ease of misappropriation
Solution Approach 1:
The patent divides the verification process into multiple independent components: first data type reading, second data type reading, and comparison operations. Each data type serves as a separate verification layer, making it difficult for fraudsters to compromise the entire system by obtaining one data type alone.
Solution Approach 2:
The patent introduces an intermediary verification system that acts as a mediator between the card and the transaction processor. This system reads and compares multiple data types before authorizing transactions, adding a security layer that prevents direct misuse of card credentials while maintaining transaction convenience.
2Adaptability or versatility
If remote transactions are enabled, then transaction accessibility is improved, but user identity verification becomes more difficult
Solution Approach 1:
The patent implements a feedback mechanism where the verification system continuously reads and compares multiple data types from the card, providing real-time verification feedback. This ensures that even in remote transactions, the system can confidently verify user identity through multi-layered data validation before authorizing transactions.
3Reliability
If multiple data types are read and compared from the short-range transceiver, then verification security is improved, but system complexity increases
Solution Approach 1:
The patent designs the verification system to handle multiple data types (first and second data types) using a unified process flow. The same client device and verification logic process both data types, making the system multi-functional without proportionally increasing complexity. This universal approach allows secure multi-layer verification while maintaining system efficiency.
Data Source
Figure 1A
Figure 1B
Figure 2
AI summary
Systems, methods, and computer-accessible mediums for user verification through the interaction of a short-range transceiver, such as a contactless card, with a client device are presented. User verification may be provided in the context of reading two types of data from the short-range transceiver, such as a contactless card, using a client device, sending the data to a server, obtaining identifiers from each data type and comparing with stored user identifier data. Matching stored user identifier data to two forms of identification data obtained from a short-range transceiver, such as a contactless card, provides an enhanced ability to verify that the short-range transceiver is being used by an authorized user.