Disposable Account Card Linking via Contactless Tags
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Solution Overview
Problem
Existing electronic account management systems face challenges in providing secure, temporary access to user accounts for in-person activities without compromising account security, as traditional methods rely on permanent account information that is vulnerable to fraud and theft.
Innovation Solution
The implementation of a contactless communication tag system that generates a disposable account card identifier and link, allowing users to perform electronic requests securely using a unique disposable account number, which can be deleted after use, thereby reducing the risk of fraud and maintaining account confidentiality.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If permanent account information is shared for in-person activities, then account accessibility is improved, but account security deteriorates due to fraud and theft risks
Solution Approach 1:
The patent segments the account access mechanism into multiple components: a permanent account identifier stored securely in the account management system, and a temporary access code generated for each in-person activity. This segmentation allows the system to provide easy access through the temporary code while keeping the permanent account information secure and isolated in the system database, resolving the contradiction between accessibility and security.
Solution Approach 2:
The patent introduces a temporary access code as an intermediary between the user and the permanent account information. This intermediary allows third parties to access account functionality for specific in-person activities without ever exposing the permanent account credentials. The temporary code acts as a mediator that fulfills the access requirement while maintaining security by never requiring sharing of the actual account information.
2Productivity
If account information is shared with third-parties for activities, then activity completion is improved, but information security deteriorates
Solution Approach 1:
The patent employs temporary access codes that are disposable and short-lived, designed for single-use or limited-use scenarios. These temporary codes enable third-party access to complete activities without compromising long-term information security. Once used, the temporary code becomes invalid, ensuring that even if intercepted, it cannot be reused for fraud. This disposable approach allows activity completion while preventing information loss.
3Reliability
If temporary access is provided without sharing account information, then security is improved, but operational complexity increases
Solution Approach 1:
The patent implements automatic generation and management of temporary access codes through the account management system. When a user initiates an in-person activity, the system automatically creates a temporary access code, links it to the appropriate account, and provides it to the user without manual intervention. The system also automatically invalidates the temporary code after use or expiration. This self-service automation reduces operational complexity despite the enhanced security features.
Applied Scientific Principles
This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.
Function Achieved in This Case
This solution enables secure, temporary access to user accounts for in-person transactions while preventing fraud by using disposable account information, maintaining confidentiality and reducing the risk of permanent account information exposure.
Implementation Method 1
receiving, by at least one processor of at least one computing device via an antenna module from a contactless reader of the at least one computing device, a contactless radio signal data of a contactless radio signal emitted by a contactless communication tag in response to an interrogation signal
Data Source
AI summary
Systems and methods of the present disclosure processors and devices for providing disposable account cards using a contactless reader and contactless communication tag. A processor receives, via an antenna module from the contactless reader, radio signal data of a radio signal emitted by a contactless tag, where the radio signal data includes encoded tag data including a tag identifier. The processor determines that the contactless tag is a new contactless tag based on the tag identifier being unlinked to any account, and generates a disposable account card identifier in a user account including a unique disposable account number. The processor generates an account link that links the tag identifier to the disposable account card identifier such that the tag identifier refers to the unique disposable account number for performing contactless electronic requests to the user account in place of a user account card.