Dual-Mode Chip Card Local PIN Verification
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Solution Overview
Problem
Existing contactless payment card systems face interoperability issues, requiring separate PIN entry devices and lacking seamless integration of contact and non-contact payment technologies, which hinders widespread adoption and commercial viability.
Innovation Solution
A dual-mode chip card with integrated PIN entry and biometric capabilities, enabling local verification and eliminating the need for separate PIN entry devices, allowing for both contact and contactless transactions using a single device that generates a Cardholder Verification Result (PIN-Flag) for secure, pre-signed transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If contactless payment cards use separate PIN entry devices, then security is maintained, but device complexity and transaction complexity increase
Solution Approach 1:
The patent combines the PIN entry function and contactless payment function into a single integrated card. The card includes both a contact chip with PIN entry capability and a contactless antenna with embedded PIN verification functionality, eliminating the need for separate PIN entry devices while maintaining security through local authentication.
Solution Approach 2:
The card is designed with multi-functionality to perform both contact-based and contactless-based payment operations. It includes dual-mode operation capabilities, supporting both EMV contact transactions and contactless NFC transactions, with a single unified interface for PIN entry and verification regardless of transaction mode.
2Reliability
If contactless payment systems require separate PIN entry devices, then authentication security is ensured, but ease of operation deteriorates
Solution Approach 1:
The PIN entry and verification functions are merged directly into the contactless card itself. Users enter their PIN on the card using an integrated keypad, and the card's embedded processor performs local verification without requiring interaction with separate merchant PIN pads or devices.
Solution Approach 2:
The card performs self-authentication by containing its own PIN verification capability. The card autonomously verifies the PIN locally using its embedded processor and memory, eliminating the need for external authentication devices and simplifying the user experience.
3Adaptability or versatility
If dual-mode contact and contactless chips are integrated, then adaptability improves, but device complexity increases
Solution Approach 1:
The card employs a universal dual-mode chip design that supports both contact-based EMV transactions and contactless NFC transactions. The same physical card and chip handle both transaction types, providing interoperability across different payment systems and terminals without requiring separate cards for each mode.
Solution Approach 2:
The chip architecture is segmented into distinct functional modules: a contact chip for EMV transactions, a contactless antenna for NFC operations, and a unified PIN verification processor. This modular segmentation allows each component to handle its specific function while the overall system maintains simplicity through clear functional separation.
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
Enables secure, seamless, and interoperable contactless payments without the need for additional merchant hardware, enhancing user convenience and reducing transaction complexity while maintaining security through local authentication and verification.
Implementation Method 1
contactless payment card systems
Data Source
AI summary
A personal powered proximity payment device that can be owned by or issued to an individual user is provided. The device is a non-ISO card device that includes an internal dual-mode (contact and contactless) chip card coupled to a display and a robust PIN entry or biometric reading means. The device provides proximity payment functions, and optional proximity payment on/off and local pre-purchase account holder verification functions to the individual user.