Location-Enabled Payment Card with GPS Security
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Solution Overview
Problem
Physical cards are vulnerable to fraud and misuse due to unauthorized reading at non-approved locations, as existing security measures only detect fraud after the card has been used, failing to prevent unauthorized transactions within similar geo-locations.
Innovation Solution
Incorporating a location detection module, such as a GPS chip or communication module, that restricts card data access to authorized locations by determining the card's location and only allowing data reading when the card is at an approved site, using power connections to activate the card's components only when the location is verified as authorized.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If card data is made accessible for reading at any location, then ease of operation is improved, but security against fraud deteriorates
Solution Approach 1:
The patent applies local quality by making the card's data accessibility location-dependent. The card chip selectively enables or disables data reading based on the detected GPS location, allowing full accessibility at authorized locations while blocking access at unauthorized locations. This resolves the contradiction by making ease of operation conditional on location rather than universally applying it.
Solution Approach 2:
The patent introduces GPS location detection as an intermediary between the card data and the reading process. The location detection module acts as a mediator that determines whether data should be made readable, standing between the fraudulent user and the card data. This intermediary layer enables security control without preventing legitimate use at authorized locations.
2Reliability
If location detection module is added to the card, then security is improved, but device complexity increases
Solution Approach 1:
The patent merges the location detection functionality directly into the existing card chip structure. The GPS receiver module is integrated with the card's power and data connections, combining multiple functions (location detection, data reading control, and power management) into a single unified component. This reduces the overall device complexity compared to adding separate independent modules.
Solution Approach 2:
The card chip is designed with multi-functionality, serving both as a data storage/reading device and as a location detection device. The same card infrastructure that reads data also detects GPS coordinates and controls accessibility based on location. This universal design avoids the need for entirely separate security systems, thereby limiting the increase in device complexity.
3Ease of operation
If power is continuously supplied to card components, then ease of operation is improved, but energy consumption increases
Solution Approach 1:
The patent implements periodic action by supplying power to the card chip only when needed - specifically, when the card is physically present at an authorized location and a reading transaction is initiated. The power connection is activated temporarily during the transaction and then deactivated, rather than maintaining continuous power supply. This resolves the contradiction by providing ease of operation during authorized use while minimizing overall energy consumption.
Data Source
AI summary
There are provided systems and methods for a physical card having one or more location detection modules A physical payment card may include one or more components to limit card reading of card data stored to the card using a location detection chip. The location detection chip may receive power from a source when inserted to a card reader, and may then determine a location of the card, such as a coordinate location of the card or nearby detected device. The location detection chip may determine if this location or device matches authorized locations stored in a memory of the card. If it does, power may be provided to a card chip of the card. The card chip of the card reads card data from a memory of the card and may then output the card data to the card reader.