Gesture-Based Card Authorization for Fraud-Resistant Sharing
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Solution Overview
Problem
Transaction cards are vulnerable to theft, fraud, and security breaches due to human factors such as misplacement or disclosure of account information, making it difficult and unsafe to share with others.
Innovation Solution
Transaction cards and associated mobile devices utilize gesture-based preauthorization, unlocking, and virtual card distribution, incorporating interactive graphical user interfaces and machine learning models to enhance security and user control.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If transaction cards store account information for payments, then payment functionality is enabled, but vulnerability to theft and fraud increases
Solution Approach 1:
The patent segments the transaction card into multiple independent components: a head portion containing account information and a tail portion with unique identifiers. This segmentation allows the card to maintain payment functionality while reducing fraud risk, as the tail portion can be used for verification without exposing sensitive account details stored in the head portion.
Solution Approach 2:
The patent introduces an intermediary verification system that uses the tail portion's unique identifier as a mediator between the card and the payment terminal. This intermediary mechanism enables authentication without directly exposing the sensitive account information stored in the head portion, thereby maintaining payment functionality while reducing vulnerability to theft and fraud.
2Productivity
If transaction cards contain account information, then transactions can be processed, but security breaches occur when information is disclosed
Solution Approach 1:
The patent applies local quality by assigning different security characteristics to different portions of the card. The head portion contains sensitive account information with higher security protection, while the tail portion contains less sensitive unique identifiers that can be freely disclosed for verification purposes. This local differentiation allows transaction processing to continue while protecting sensitive information from disclosure.
Solution Approach 2:
The patent extracts the sensitive account information from the main card body and isolates it in the head portion, while the tail portion contains only non-sensitive unique identifiers. This extraction allows the card to maintain transaction processing capability through the tail portion verification while protecting the extracted sensitive information in the head portion from disclosure breaches.
3Ease of operation
If transaction cards are shared with friends and family, then convenience is improved, but safety and security are compromised
Solution Approach 1:
The patent segments the card into head and tail portions, allowing the tail portion with unique identifiers to be shared freely with friends and family for verification purposes, while the head portion containing sensitive account information remains secure. This segmentation enables card sharing convenience without compromising security, as the shared tail portion cannot expose sensitive information.
Solution Approach 2:
The patent applies local quality by making the tail portion disclosable and shareable while keeping the head portion secure. The tail portion's local characteristic of containing only non-sensitive unique identifiers allows it to be safely shared with others for verification, while the head portion's local characteristic of containing sensitive information ensures it remains protected during sharing activities.
Data Source
AI summary
Disclosed embodiments may include systems and methods for utilizing gesture-based transaction cards. Examples include: first, using a mobile device to preauthorize transaction cards to enter an unlocked state before making a purchase by making a gesture with the transaction card toward the mobile device. Second, using a first transaction card to change an authorization condition of a second transaction card associated with the same account by making a gesture from the first transaction card to the second transaction card. Third, using a first transaction card to distribute a predebited virtual card to the user device of a second user by making a gesture from the first transaction card to the user device of the second user. Additionally, the primary user may be able to upload new authorization conditions to the transaction card and control the system through a related mobile application on a connected mobile device.