Dynamic Electronic Identification for Secure Card Transactions
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Solution Overview
Problem
Existing electronic cards lack trusted identification verification mechanisms, leading to security risks and the need for users to separately provide identification and payment information, which is cumbersome and increases security risks.
Innovation Solution
Associating a trusted, dynamic electronic identification, such as a mobile driver's license (mDL), with an electronic card, allowing the dynamic electronic identification to be validated and used for secure transactions, thereby integrating user identification and payment information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users separately provide identification and payment information for transactions, then security verification can be performed, but the operation process becomes cumbersome and security risks increase
Solution Approach 1:
The patent combines separate identification and payment information into a single electronic card that contains both functional components. The electronic card integrates the identification module with payment account information, allowing users to perform both identity verification and payment operations using one unified medium, thereby simplifying the transaction process while maintaining security requirements
2Device complexity
If electronic cards lack trusted identification verification mechanisms, then the card structure remains simple, but security risks increase
Solution Approach 1:
The patent introduces a trusted identity provider as an intermediary component within the electronic card system. This identity provider issues and manages cryptographic credentials that serve as trusted identification mechanisms. The identity provider acts as a mediator between the card holder and verification systems, providing secure authentication without requiring complex external verification infrastructure
3Device complexity
If static identification information is used on electronic cards, then the card structure is simple, but security risks increase due to lack of dynamic updates
Solution Approach 1:
The patent implements dynamic identification information that can be updated and refreshed within the electronic card system. The identification data is no longer static but can change over time, allowing for revocation, renewal, and adaptation to security requirements. This dynamic capability enables the system to respond to security threats and maintain current authentication credentials
4Reliability
If trusted identity providers are integrated into electronic cards, then security is enhanced, but device complexity increases
Solution Approach 1:
The patent creates a universal electronic card platform that can serve multiple functions including identification, payment, and authentication. By designing the card to handle diverse operations through a unified architecture, the system reduces the need for separate specialized devices or complex integration of multiple independent systems, thereby managing complexity while providing comprehensive functionality
Data Source
AI summary
In some implementations, a device may receive, from a mobile device, a request to associate a dynamic electronic identification of a user with an electronic card of the user. The device may validate, based at least in part on receiving the request to associate the dynamic electronic identification with the electronic card, the dynamic electronic identification. The device may configure, at the mobile device, based at least in part on validating the dynamic electronic identification, an association of the dynamic electronic identification with the electronic card. The device may receive, based at least in part on an exchange associated with the electronic card, a request to validate information associated with the dynamic electronic identification. The device may validate the information associated with the dynamic electronic identification.