Indicialess Card AR Display for Fraud Prevention

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Solution Overview

Problem

Standard transaction cards pose a security risk due to visible account information, which can lead to fraud and identity theft when used in public transactions.

Innovation Solution

An augmented-reality transaction card information display method using an indicialess card with a background pattern, where a user device captures and processes the card image to authenticate the card via NFC communication, and displays account information as an augmented reality image superimposed over the card surface, eliminating the need for visible account details.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Loss of information

If standard printed transaction cards are used, then account information is readily visible and accessible, but security and protection against fraud deteriorates

Engineering Contradiction:

Improvevisibility of account informationVSAvoidfraud and identity theft risk

Core Design Contradiction:

Loss of informationVSObject-affected harmful factors

Solution Approach 1:

The patent extracts the visible account information from the physical card surface and relocates it to an augmented reality display. The physical card contains only a background pattern, while account details are extracted and presented virtually through AR, eliminating the harmful visibility of sensitive information on the card itself.

Inventive Principle:

Principle #2Taking out (Extraction)

Solution Approach 2:

The patent creates a virtual copy of the account information through augmented reality. Instead of printing sensitive data on the physical card, the system generates a digital representation of the card with account information displayed via AR, allowing information access without physical exposure.

Inventive Principle:

Principle #26Copying

2Object-affected harmful factors

If indicialess cards with background pattern are used, then security is improved by removing visible account information, but authentication and information access complexity increases

Engineering Contradiction:

Improvefraud and identity theft riskVSAvoidauthentication process complexity

Core Design Contradiction:

Object-affected harmful factorsVSDevice complexity

Solution Approach 1:

The patent introduces an intermediary system consisting of a mobile device and authentication server. This intermediary facilitates the complex authentication process by mediating between the indicialess card and the user's information needs, handling the technical complexity of pattern recognition, NFC communication, and AR rendering without burdening the user.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent replaces traditional mechanical/physical authentication methods (reading printed indicia) with electronic and optical systems. The system uses image processing to recognize background patterns, NFC for card authentication, and AR technology for information display, substituting complex electronic processes for simpler physical card reading.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

3Object-affected harmful factors

If augmented reality display is implemented, then secure information display is achieved, but device requirements and operational complexity increases

Engineering Contradiction:

Improvesecurity protectionVSAvoiduser operation simplicity

Core Design Contradiction:

Object-affected harmful factorsVSEase of operation

Solution Approach 1:

The patent implements self-service functionality where the mobile device automatically performs pattern recognition, card authentication, and AR display without manual intervention. The system detects the card's background pattern, verifies authenticity, and presents account information through AR gestures triggered by simple user actions like waving the card.

Inventive Principle:

Principle #25Self-service

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

Enhances security by removing visible account information from transaction cards, allowing secure authentication and display of account details in an augmented reality format, reducing the risk of fraud and identity theft.

Implementation Method 1

a near field communication interface in communication with the data processor and configured for communication with one or more contactless transaction cards

Methodology Applied

Scientific EffectNear field communication: Electromagnetic Induction

Data Source

PatentUS20240346515A1System and method for augmented reality display of account information

Publication Date: 2024.10.17 CAPITAL ONE SERVICES LLC

AI summary

A method is provided for displaying an augmented reality image of account information associated with an indicialess transaction card having a card surface with a background pattern applied thereto. A real-time image of the card surface is captured and processed to determine if the background pattern matches a card background pattern associated with a cardholder account. Responsive to a positive determination, communication is established between the user device processor and a card processor carried by the indicialess transaction card. The user device processor receives from the card processor an encrypted verification block and transmits, to an authentication server, an authentication request including the verification block. Responsive to receiving a positive authentication response, the user device constructs an augmented reality image comprising account indicia and displays the augmented reality image superimposed over the real-time image of the background pattern on the card surface of the indicialess transaction card.