Homomorphic Document Transfer From Payment Cards for Secure Verification
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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 essential documents like driver's licenses or insurance information, hindering transaction completion.
Innovation Solution
A system utilizing homomorphic encryption enables secure transfer of ancillary document data files, such as driver's licenses or birth certificates, directly from resource transfer cards, allowing for real-time verification and authentication without manual input, thus streamlining transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users store ancillary document data files separately from resource transfer cards, then security is improved, but transaction completion is hindered when documents are forgotten
Solution Approach 1:
The patent combines ancillary document data files with the resource transfer card into a single integrated system. The card now contains both the transfer functionality and the stored document data (driver's license, insurance information, etc.), eliminating the need for users to carry separate documents and ensuring transaction completion while maintaining security through encrypted storage.
Solution Approach 2:
The resource transfer card is transformed into a multi-functional device that serves both as a payment/transfer medium and as a digital document wallet. This universal card can store multiple types of ancillary documents and provide them automatically during transactions, improving both convenience and reliability simultaneously.
2Reliability
If ancillary document data is transmitted in plain text, then transaction speed is improved, but security is compromised
Solution Approach 1:
The system performs preliminary encryption of ancillary document data files before they are stored on the card. The data is encrypted using strong cryptographic algorithms and stored in encrypted form, so that during transactions, only the encrypted data needs to be transmitted and processed, maintaining both security and speed without requiring real-time encryption during the transaction itself.
3Reliability
If multiple authentication steps are implemented, then security is enhanced, but transaction complexity increases
Solution Approach 1:
The system implements self-service authentication where the resource transfer card automatically provides the required ancillary document data files to the transaction system without requiring manual user action. The card's embedded system handles the authentication process autonomously by presenting the necessary encrypted documents, reducing transaction complexity while maintaining enhanced security through automated multi-factor authentication.
Data Source
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.