Dynamic Safe Card Using Biometric Time-Dependent Codes
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Solution Overview
Problem
Credit card fraud and abuse are significant issues due to the susceptibility of magnetic stripes to wear and interference, and the potential for intercepted data to be abused, with existing solutions not adequately addressing the need for secure and dynamic credit card numbers.
Innovation Solution
A smart card system that uses a microcontroller with ROM memory, biometric identifiers, and a lookup table to generate unique, time-dependent credit card numbers, which are displayed as barcodes or QR codes, and can include a keypad and GPS for location-based security, ensuring that intercepted numbers change rapidly and are difficult to abuse.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If magnetic stripes are used for credit card data storage, then data can be read easily by readers, but the magnetic stripe is highly susceptible to wear and magnetic interference
Solution Approach 1:
The patent replaces the magnetic stripe system with an optical barcode/QR code system. Instead of using magnetic fields to store and transmit card data, the invention uses visual display elements that generate time-dependent barcodes or QR codes. This substitution eliminates susceptibility to magnetic interference and physical wear of magnetic stripes while maintaining ease of reading through optical scanners.
2Productivity
If static credit card numbers are stored on the card, then transactions can be processed quickly, but the numbers can be intercepted and abused
Solution Approach 1:
The patent implements dynamic credit card numbers that change over time. The visual display elements generate barcodes or QR codes containing card information that is time-dependent, meaning the encoded data changes at different time intervals. This dynamic approach maintains transaction speed while preventing fraud, as intercepted numbers become invalid after a short period.
Solution Approach 2:
The system employs periodic updating of the displayed barcode/QR code information. The visual display elements refresh the encoded card data at regular time intervals, creating a periodic action that ensures intercepted numbers expire quickly. This periodic renewal maintains both transaction efficiency and security by limiting the window of opportunity for fraudulent use.
3Reliability
If biometric identifiers and time-dependent generation are implemented, then security is significantly improved, but device complexity increases
Solution Approach 1:
The patent integrates multiple functions into a single card system: biometric identification, time-dependent data generation, and visual display of barcodes/QR codes. The visual display elements serve multiple purposes - they store card information, generate time-dependent codes, and provide user interface feedback. This multi-functionality reduces the need for separate components, thereby managing complexity while achieving high security.
Data Source
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AI summary
A safe card system comprising: a plurality of safe cards, at least one safe card reader and a service provider computer. Each safe card: Capable of generating at a specific time a temporary number based on combination of a first number representing at least one biometric identifier, and a temporary second number, and a card signal based on the temporary number; The at least one safe card reader capable of reading the card signal, and converting the card signal into a card reader number, The service provider: Capable of drawing at a specific time at least one fifth number associated with said time, generating at least one sixth number derived from the fifth numbers, and comparing the sixth numbers to the card reader number so as to allow service to the safe card when a sixth number is identical to the card reader number.