Unified Identity Payment Access Control via Hashed PAN
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Solution Overview
Problem
Current solutions for identity, payment, and access control in a post-COVID world are not end-to-end and require separate tools, lacking a seamless touchless experience.
Innovation Solution
The system utilizes EMV contactless cards or tokens, digital wallets on mobile devices, and wearable devices to provide an end-to-end solution by generating a hashed Primary Account Number (PAN) for identity, payment, and access verification, enabling local or server-based transaction results through matching against a whitelist.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If separate tools are used for identity, payment and access control, then each function can be implemented independently, but the system lacks end-to-end integration and requires multiple separate tools
Solution Approach 1:
The patent combines identity verification, payment processing, and access control into a single unified system that uses one card or token for all three functions. The system generates a single hashed PAN from the card/token that can be used across all three domains, eliminating the need for separate tools and achieving end-to-end integration.
Solution Approach 2:
The patent creates a universal card or token system that performs multiple functions (identity verification, payment, and access control) simultaneously. The same card or token can be used across different domains and services, providing multi-functionality and eliminating the need for separate specialized tools.
2Ease of operation
If contactless cards or digital wallets are used, then a touchless experience is provided, but additional security measures are required to ensure authenticity
Solution Approach 1:
The patent introduces an intermediary hashing function that transforms the card or token data into a hashed PAN. This intermediary step provides security by preventing direct exposure of the original card data while still enabling verification and authentication across all three functions (identity, payment, access control).
Solution Approach 2:
The patent creates a hashed copy of the card or token data that can be used for verification purposes without exposing the original sensitive information. This copied hashed version serves as a secure intermediary that maintains security while enabling the touchless experience.
Data Source
AI summary
Various implementations described herein are directed to a method for providing identity, payment and/or access. A primary account number (PAN) is read from a card or token. A hashed PAN is generated. A transaction result is determined based on the hashed PAN.