Mobile Apparatus Terminal for Contactless Identity Verification
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Solution Overview
Problem
Existing user identification methods in bank environments, such as providing identification information in front of others, lead to increased transaction times and discomfort for users.
Innovation Solution
A system and method utilizing a mobile apparatus terminal and a non-collocated computer terminal to detect and read information from a mobile apparatus, transforming it into identification data for secure user identification on a display screen, without requiring direct user interaction.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users provide identification information manually to agents in bank branches, then agents can verify user identity, but transaction times increase and users experience discomfort
Solution Approach 1:
The patent replaces the manual mechanical process of users providing identification information to agents with an automated electronic system. The mobile apparatus terminal automatically detects the user's mobile device, reads identification data, and transmits it to the computer terminal for verification, eliminating the need for manual information provision while maintaining identification accuracy
Solution Approach 2:
The system enables self-service identification where the user's mobile device automatically provides identification information without requiring user action. The mobile apparatus terminal detects the mobile device and extracts identification data autonomously, allowing users to be identified without manually providing information to agents
2Reliability
If users provide identification information in front of other users, then agents can verify identity, but user comfort and privacy are reduced
Solution Approach 1:
The patent introduces a mobile apparatus terminal as an intermediary between the user's mobile device and the agent's computer terminal. This intermediary automatically captures and transmits identification data without requiring the user to manually provide information in public view, thereby maintaining verification reliability while protecting user privacy and comfort
3Productivity
If contactless user devices are used for transactions, then transaction speed increases, but data security and access control become more complex
Solution Approach 1:
The patent segments the data access control system into multiple components: the mobile device stores identification data, the mobile apparatus terminal detects and reads the data, and the computer terminal verifies and processes it. This segmentation allows contactless fast transactions while distributing security control across multiple points in the system
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
Facilitates secure and efficient user identification, reducing transaction times and user discomfort by enabling contactless data access and verification.
Implementation Method 1
the mobile apparatus terminal reads information stored on the mobile apparatus presented to the mobile apparatus terminal
Data Source
AI summary
A system and a method for detecting presence of a mobile apparatus, such as a bank card, at a mobile apparatus terminal and accessing non-collocated data based thereon. A computer terminal non-collocated with the mobile device terminal is in operative communication with the mobile apparatus terminal across a communication channel. The computer terminal includes a display screen. A processor and a storage device are operatively coupled with both terminals across the communication channel. An application stored in the storage device includes executable code that is executed by the processor to: operate the mobile apparatus terminal to detect a presence of the mobile apparatus, read information stored thereon and transform the information into identification data; generate display data by processing the identification data; and use the display data to generate on the display screen a display associated with the mobile apparatus.