Credit Card Image Authentication With Multi-Angle Verification
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Solution Overview
Problem
Conventional online credit card authentication methods require manual input and are not suitable for e-commerce transactions, and NFC security features are limited to close proximity, making them impractical for online transactions.
Innovation Solution
A method for authenticating credit card information through multi-angle and multi-time-point sampling and verification, utilizing image processing techniques to identify and categorize lines in a credit card image, and recognizing features like holograms and facial recognition to verify the cardholder.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If NFC security features are used for credit card authentication, then security is improved, but the requirement for close proximity contact limits applicability to online e-commerce transactions
Solution Approach 1:
The patent creates a digital copy or representation of the credit card information through image capture and processing. The system captures an image of the credit card, extracts relevant information through image processing algorithms, and uses this digital representation for authentication purposes, eliminating the need for physical card presence while maintaining security
Solution Approach 2:
The patent replaces the mechanical/proximity-based NFC authentication system with an optical/image-based authentication system. Instead of requiring physical contact or close proximity through electromagnetic fields, the system uses camera capture and image processing to authenticate credit card information, enabling remote online transaction processing
2Adaptability or versatility
If manual input of credit card information is used, then online transaction capability is achieved, but security and accuracy are compromised
Solution Approach 1:
The system creates an accurate digital copy of the credit card information by capturing an image and using image processing to extract data. This eliminates manual typing errors and provides a more reliable method of data entry while maintaining online transaction capability
Solution Approach 2:
The system enables the credit card information to serve itself by using image processing and pattern recognition algorithms to automatically extract and verify card details. The system self-authenticates the information without requiring manual input, reducing human error and improving accuracy
3Measurement precision
If multi-angle and multi-time-point sampling is used for authentication, then authentication accuracy is improved, but processing complexity increases
Solution Approach 1:
The patent divides the authentication process into multiple segments by capturing images at different angles and time points. Each image provides specific information about the card's features, and the system processes these segmented data points separately before combining them for comprehensive authentication, improving accuracy while managing complexity through structured processing
Data Source
AI summary
According to at least one embodiment, a multi-angle multi-time-point method authenticates 2D objects with high confidence by sampling the object through space and time while being capable of automatically authenticating and inputting object information. Some embodiments further enhance authentication confidence by utilizing unique characteristics of hologram and/or personal photo. While this method possesses artificial intelligence comparable to human's in term of authenticating and extracting information from 2D objects, it's also highly efficient and can achieve real-time performance (e.g., processing 5 frames per second) on ordinary personal computers. Structural information is first extracted from a 2D image to reduce processing time for subsequent steps as more operations on the 2D images are avoided. By employing similar divide-and-conquer strategy according to a binary search algorithm for 1D data array, a Visual Binary Edge Search Algorithm is applied to a 2D image application.