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 uses a card validation matrix with cell identifiers and values, where the system transmits cell identifiers to the user, who then provides corresponding cell values to the merchant for validation, comparing these values to stored values to authenticate the card, thereby reducing fraud by ensuring the user's physical possession.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional card validation techniques are used for card-not-present transactions, then transaction processing is simple and quick, but fraud risk increases because physical card possession cannot be verified

Engineering Contradiction:

Improvefraud preventionVSAvoidvalidation system complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The validation matrix is divided into multiple cells with unique identifiers and values. The system segments the card information into discrete cell components that must be collectively provided for validation, making it difficult for fraudsters to replicate without the physical card

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The validation matrix with cell identifiers and values is pre-configured on the card before the transaction occurs. This preliminary setup enables dynamic validation during the transaction by comparing provided cell values against the pre-stored matrix, enhancing fraud detection without adding complexity to the transaction flow

Inventive Principle:

Principle #10Preliminary action

2Reliability

If a validation matrix with multiple cell values is implemented, then fraud detection capability is enhanced, but bandwidth and memory requirements increase

Engineering Contradiction:

Improvecard validation accuracyVSAvoiddata storage requirements

Core Design Contradiction:

ReliabilityVSQuantity of substance

Solution Approach 1:

Instead of storing the entire validation matrix on the card, the system extracts and stores only essential seed information or simplified reference data on the card, while maintaining the complete validation matrix in the validation system. This extraction approach reduces card memory requirements while preserving validation accuracy

Inventive Principle:

Principle #2Taking out (Extraction)

Solution Approach 2:

The validation matrix uses compact parameter representations where cell identifiers and values are encoded in an efficient format. By optimizing the parameter structure and using compressed data representations, the system reduces the quantity of data that needs to be stored and transmitted while maintaining the ability to perform accurate validation

Inventive Principle:

Principle #35Parameter changes

Data Source

PatentUS9460439B2Dynamic card validation using user requested cell identifiers

Publication Date: 2016.10.04 BANK OF AMERICA CORP

AI summary

A card validation system receives a request to validate a card and receives a request from a user for a set of cell identifiers. The system determines a set of cell identifiers of a card validation matrix to associate with the user and transmits the set of cell identifiers to the user. The system further receives a set of received cell values corresponding to set of cell identifiers of a card validation matrix. The system determines the set of stored cell values corresponding to the set of cell identifiers of the card validation matrix. The system compares the set of received cell values to the set of stored cell values. Based at least in part upon the comparison, the system determines whether the card is validated.