Light-Sensitive Information-Shielding Cards for Fraud Prevention

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Solution Overview

Problem

The increasing volume and variety of card-based transactions have led to heightened risks of fraud and identity theft, necessitating a secure solution for card usage.

Innovation Solution

Information-shielding cards are developed, comprising multiple layers with light-sensitive materials that change opacity based on light exposure, embedding a chip and QR code, and featuring opaque security layers with switchable segments to protect private information.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If traditional cards are used for high-volume transactions, then transaction convenience is maintained, but fraud and identity theft risks increase

Engineering Contradiction:

Improvetransaction volumeVSAvoidfraud and identity theft risk

Core Design Contradiction:

ProductivityVSObject-affected harmful factors

Solution Approach 1:

The patent employs light-sensitive materials that change their optical properties (transparency/opacity) in response to light exposure. The card includes layers with light-sensitive materials that remain opaque under normal lighting conditions but become transparent when exposed to specific non-visible light wavelengths, allowing selective information disclosure during transactions while maintaining security against fraud and identity theft.

Inventive Principle:

Principle #32Color changes

Solution Approach 2:

The patent utilizes materials whose physical parameters (specifically optical transparency) change in response to environmental conditions (light exposure). The light-sensitive materials undergo parameter changes from opaque to transparent states when exposed to non-visible light, enabling dynamic information shielding and disclosure mechanisms that reduce fraud risk while maintaining transaction productivity.

Inventive Principle:

Principle #35Parameter changes

2Loss of information

If light-sensitive materials are used to shield information, then privacy protection is improved, but device complexity increases

Engineering Contradiction:

Improveprivate information exposureVSAvoidcard structure

Core Design Contradiction:

Loss of informationVSDevice complexity

Solution Approach 1:

The patent implements a multi-layer card structure where light-sensitive materials are embedded within nested layers. The card comprises a substrate with multiple layers including light-sensitive material layers positioned between opaque layers, creating a nested configuration that provides information shielding functionality while distributing complexity across standardized card construction layers.

Inventive Principle:

Principle #7Nested doll (Nesting)

Solution Approach 2:

The patent employs composite material structures combining light-sensitive materials with opaque materials in layered configurations. This composite approach integrates multiple material properties (light sensitivity, opacity, structural integrity) into a unified card design that protects private information through material composition rather than complex mechanical mechanisms.

Inventive Principle:

Principle #40Composite materials

3Reliability

If multiple layers with light-sensitive materials are implemented, then security against information exposure is enhanced, but manufacturing complexity increases

Engineering Contradiction:

Improveinformation shielding securityVSAvoidcard fabrication

Core Design Contradiction:

ReliabilityVSEase of manufacture

Solution Approach 1:

The patent divides the card into distinct functional layers, with light-sensitive material layers separated by opaque layers. This segmentation allows each layer to be manufactured and tested independently, then assembled together, reducing overall manufacturing complexity while maintaining the cumulative security benefits of the multi-layer information shielding structure.

Inventive Principle:

Principle #1Segmentation

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

These cards significantly reduce the risk of private information exposure, enhancing privacy and security during transactions, thereby promoting confidence and usage in card-based transactions among users and entities.

Implementation Method 1

a light-sensitive material that changes opacity in response to exposure to non-visible light

Methodology Applied

Scientific EffectPhotochromism: Photochromism

Data Source

PatentUS12164989B2Information-shielding cards and systems and methods for fabricating the same

Publication Date: 2024.12.10 CAPITAL ONE SERVICES LLC

AI summary

Example embodiments of information-shielding cards and systems and methods of fabricating the same are provided. An information-shielding card can comprising a substrate comprising a first layer, a second layer, a third layer, a chip embedded in the second layer, and a quick-response (QR) code formed on the second layer. The second layer can be disposed between the first layer and the third layer. The first layer can comprise a first material that is transparent when exposed to a non-visible light, the second layer can comprise a second material that is opaque when exposed to visible light and when exposed to non-visible light, and the third layer comprises a third material that is transparent when exposed to a non-visible light.