Dynamic Card Validation Using Cell Identifier Matrices
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Solution Overview
Problem
Current card validation techniques for card-not-present transactions are limited, increasing the risk of credit card fraud as they do not effectively verify the physical possession of the card by the user.
Innovation Solution
A dynamic card validation system that determines and transmits cell identifiers to users, who then provide corresponding cell values to merchants for validation, comparing these values to stored values to authenticate the card, thereby reducing the risk of fraud by ensuring the user possesses the card.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional card validation techniques are used for card-not-present transactions, then transaction simplicity is maintained, but fraud risk increases due to inability to verify physical card possession
Solution Approach 1:
The validation matrix is divided into multiple cells with unique identifiers, and only specific cell values are required for validation. This segmentation allows the system to verify card possession without requiring the entire card data, reducing fraud risk while maintaining manageable system complexity
Solution Approach 2:
The patent introduces a spatial dimension by using a grid-based validation matrix with row and column identifiers. Instead of relying solely on traditional authentication methods, the system requires the user to locate and provide specific cell values from a visual matrix, adding a dimensional layer of verification that confirms physical card possession
2Reliability
If a validation matrix with cell values is implemented, then card possession verification is achieved, but bandwidth and memory consumption increase
Solution Approach 1:
Instead of transmitting or storing the entire validation matrix, the system extracts and transmits only the specific cell identifiers and their corresponding values needed for validation. This extraction approach verifies card possession while significantly reducing the quantity of data that needs to be processed and stored
Solution Approach 2:
The validation matrix is pre-generated and stored on the card before the transaction occurs. During the transaction, the system only needs to retrieve and compare specific pre-existing cell values rather than generating or transmitting large amounts of validation data, reducing bandwidth and memory requirements
Data Source
AI summary
A card validation system determines a first set of cell identifiers of a card validation matrix to associate with a first merchant and a user and transmits the first set of cell identifiers to a first merchant. The system receives a request to validate a card and receives, from the first merchant, a first set of received cell values corresponding to the first set of cell identifiers of a card validation matrix. The system determines a first set of stored cell values corresponding to the first set of cell identifiers of the card validation matrix. The system compares the first set of received cell values to the first set of stored cell values. Based at least in part upon the comparison, the system determines whether the card is validated.