Contactless Card Verification Using a Nearby Trusted Device

Solution Overview

Problem

Existing contactless card operations lack sufficient security measures, requiring user interactions like PIN entry or text messages, which delay processing and burden users.

Innovation Solution

A contactless card equipped with interfaces and processing circuitry to detect nearby trusted devices, communicate interface identifiers, and perform operations only when associated with a trusted device, eliminating the need for user interactions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If user actions such as entering a PIN or receiving verification messages are required for contactless card operations, then security is improved, but processing time increases and user burden increases

Engineering Contradiction:

ImprovesecurityVSAvoidprocessing time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system performs preliminary verification by detecting the presence of a trusted device before the transaction occurs. The contactless card detects a trusted device via short-range communication and includes verification that the trusted device is present in the transaction data sent to the payment terminal, preventing unauthorized transactions before they happen.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The contactless card autonomously verifies the presence of a trusted device using its own detection capabilities and includes this verification information in transaction data without requiring user intervention. The card self-services the security verification function that previously required manual user actions.

Inventive Principle:

Principle #25Self-service

2Reliability

If user actions such as entering a PIN or receiving verification messages are required for contactless card operations, then security is improved, but user convenience deteriorates

Engineering Contradiction:

ImprovesecurityVSAvoiduser convenience

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The contactless card autonomously verifies the presence of a trusted device using its own detection capabilities and includes this verification information in transaction data without requiring user intervention. The card self-services the security verification function that previously required manual user actions.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The system replaces manual mechanical user actions (entering PIN, checking messages) with automated electronic detection and verification. The contactless card uses electronic sensors to detect the trusted device and automatically includes verification data in transactions, substituting mechanical user interaction with electronic automation.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

3Productivity

If traditional contactless card operations are used without trusted device verification, then processing is fast and simple, but security is insufficient

Engineering Contradiction:

Improvetransaction speedVSAvoidsecurity

Core Design Contradiction:

ProductivityVSReliability

Solution Approach 1:

The system performs preliminary verification by detecting the presence of a trusted device before the transaction occurs. The contactless card detects a trusted device via short-range communication and includes verification that the trusted device is present in the transaction data sent to the payment terminal, preventing unauthorized transactions before they happen.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The contactless card autonomously verifies the presence of a trusted device using its own detection capabilities and includes this verification information in transaction data without requiring user intervention. The card self-services the security verification function that previously required manual user actions.

Inventive Principle:

Principle #25Self-service

Data Source

PatentUS12499432B2Techniques to perform operations with a contactless card when in the presence of a trusted device

Publication Date: 2025.12.16 CAPITAL ONE SERVICES LLC

AI summary

Embodiments are directed to techniques and systems to perform operations with contactless cards and trusted devices.