Finger-Sensing Contactless Card With Pre-Transaction Payment Activation
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Solution Overview
Problem
Existing contactless credit and debit cards are vulnerable to unauthorized transactions due to their constant readiness for payment, leading to unintentional and unannounced withdrawals, which users cannot prevent without disabling the feature entirely.
Innovation Solution
A secure finger sensing contactless card that activates payment only upon detection of a user's fingerprint, using conductive poles, capacitive surfaces, or fingerprint readers to complete a payment circuit upon touch, thereby preventing unauthorized transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If contactless credit cards and contactless debit cards are always ready for payment, then payment convenience is improved, but security against unauthorized transactions deteriorates
Solution Approach 1:
The card requires preliminary fingerprint verification before enabling payment functionality. The biometric authentication is performed in advance, and only after successful verification does the card become active for contactless transactions. This preliminary action ensures that convenience is maintained for authorized users while security is enhanced against unauthorized use.
2Reliability
If spending limits are set to protect users, then security is improved, but loss of time due to repeated unauthorized transactions within limits worsens
Solution Approach 1:
Biometric authentication is performed preliminarily before any transaction occurs, preventing unauthorized transactions from happening in the first place. This eliminates the need for users to spend time monitoring and disputing fraudulent transactions that occur within spending limits, as the biometric barrier prevents such transactions entirely.
3Reliability
If fingerprint sensing is added to the card, then security is improved, but device complexity worsens
Solution Approach 1:
The fingerprint sensing functionality is merged with the existing contactless card structure. The biometric sensor is integrated into the card body, combining identification and payment functions in a single device. This merging approach enhances security while minimizing the increase in device complexity by consolidating functions rather than adding separate systems.
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
Ensures secure payments by requiring user verification through fingerprint detection, preventing unauthorized transactions and maintaining the card's functionality without additional hardware or updates to existing POS devices.
Implementation Method 1
the capacitive surface, it can optionally be produced from a fingerprint reader... the capacitive surface it contains, with the touch of a human finger
Implementation Method 2
the two conductive poles or capacitive surface it contains, with the touch of a human finger... When two conductive poles are used on the finger sensing surface
Data Source
AI summary
Disclosed is a secure finger sensing contactless card developed to prevent unintentional and unannounced withdrawals from contactless credit card and contactless debit card users and to protect users from suffering unwanted situations such as theft. The secure finger sensing contactless card provides users with a safe use during shopping since the contactless credit cards and contactless debit cards do not make payment unless they detect the fingerprint of the person.