Homomorphic Document Encryption for Resource Transfer Card Authentication

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Solution Overview

Problem

The integration gap between resource transfer cards and supplementary identification or personal information required for certain purchases creates challenges, as users often forget to carry necessary documents, hindering transaction completion.

Innovation Solution

A system utilizing homomorphic encryption to securely integrate ancillary document data on resource transfer cards, allowing for seamless document transfer and authentication during transactions, reducing the need for manual document submission and network resources.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If document data files are stored separately from resource transfer cards, then security is improved, but ease of operation deteriorates when users forget documents

Engineering Contradiction:

ImprovesecurityVSAvoidease of operation

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The patent combines previously separate entities (resource transfer card and document data files) into a single integrated card. The card now contains both the resource transfer functionality and embedded document data files (driver's license, insurance information, etc.), allowing users to carry a single item for both purposes.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The resource transfer card is transformed into a multi-functional device that serves both as a payment/resource transfer medium and as a portable document repository. The card can now perform resource transfers and provide supplementary identification information, eliminating the need for separate document carrying.

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Ease of operation

If document data files are transmitted in plain text, then ease of operation is improved, but security deteriorates

Engineering Contradiction:

Improveease of operationVSAvoidsecurity

Core Design Contradiction:

Ease of operationVSReliability

Solution Approach 1:

The patent applies homomorphic encryption to transform document data files from plain text to encrypted format before transmission. This encryption process changes the parameter of data representation while preserving the ability to process and verify the information without decryption, maintaining security during transmission.

Inventive Principle:

Principle #35Parameter changes

3Reliability

If manual document submission is required, then security is improved, but productivity deteriorates

Engineering Contradiction:

ImprovesecurityVSAvoidproductivity

Core Design Contradiction:

ReliabilityVSProductivity

Solution Approach 1:

The patent replaces manual document submission (physical handling, verification, and processing) with an automated electronic system. The terminal device automatically retrieves document data files from the card, encrypts them using homomorphic encryption, and transmits them electronically, eliminating manual intervention while maintaining security through cryptographic methods.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

4Reliability

If network checks are performed for document verification, then reliability is improved, but use of energy deteriorates

Engineering Contradiction:

ImprovereliabilityVSAvoiduse of energy

Core Design Contradiction:

ReliabilityVSUse of energy by moving object

Solution Approach 1:

The patent performs document verification and authentication checks before initiating full network communication and energy-intensive processing. The terminal device first checks local conditions and only engages network resources when absolutely necessary, reducing overall energy consumption while maintaining verification reliability.

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS20260046112A1System and method for homomorphic ancillary document data encryption, data authentication, and data transfer

Publication Date: 2026.02.12 BANK OF AMERICA CORP

AI summary

Systems, computer program products, and methods are described herein for homomorphic ancillary document data encryption, data authentication, and data transfer. The present disclosure includes receiving an interaction event from a terminal device, receiving, upon a first condition where the resource transfer card comprises an embedded document card comprising at least one document data file, a network check comprising a document data file trigger, retrieving, from the resource transfer card, the at least one document data file, encrypting the at least one document data file using a homomorphic encryption protocol, transmitting the at least one homomorphic encrypted document data file, receiving a signal comprising an authentication credential associated with a cardholder of the resource transfer card, recording the authentication credential, and transmitting a decryption key configured to decrypt the at least one homomorphic encrypted document data file.