Mobile Device Card Image Verification for Secure Transactions
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Solution Overview
Problem
Conventional eCommerce transactions are considered 'card not present' transactions, leading to increased risk and liability concerns, whereas card present transactions offer more favorable processing terms, but existing systems struggle to facilitate these transactions effectively, especially with the rise of new payment devices like mobile devices.
Innovation Solution
The system provisions secure payment applications on consumer devices, allowing merchants to collect card present information through mobile devices using various reader technologies and communication methods, enabling card present transactions both online and at point-of-sale, and includes features like mobile PINs for authentication, ensuring strong dynamic two-factor authorization.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If conventional eCommerce transactions are performed without physical card verification, then transaction convenience is improved, but transaction security and reliability deteriorate
Solution Approach 1:
The patent introduces a mobile device as an intermediary between the consumer and the merchant system. The mobile device captures images of the physical card and transmits them to the merchant system, serving as a mediator that enables card-present transaction processing in eCommerce environments without requiring the consumer to physically visit the merchant location.
Solution Approach 2:
The patent creates visual copies (images) of the physical payment card using the mobile device's camera. These card images capture the card's visual characteristics and are transmitted to the merchant system to verify card presence, replacing the need for physical card insertion or magnetic stripe reading while maintaining security verification.
2Reliability
If card present verification is implemented in eCommerce transactions, then transaction security is improved, but system complexity deteriorates
Solution Approach 1:
The consumer uses their own mobile device to capture images of their payment card. The mobile device's existing camera and image capture capabilities are leveraged to perform the verification function, eliminating the need for specialized merchant equipment and reducing system complexity while maintaining security.
Solution Approach 2:
The patent replaces mechanical card reading systems (magnetic stripe readers, chip readers requiring physical card insertion) with an optical/image-based system. The mobile device camera captures visual information from the card, and this image data is transmitted electronically, substituting mechanical verification with a digital imaging approach.
3Adaptability or versatility
If mobile devices are used to capture card information, then card present transaction capability is improved, but information security risks worsen
Solution Approach 1:
The system creates and transmits visual copies (images) of the card rather than capturing or storing magnetic stripe data, chip data, or other sensitive card information. The card image serves as proof of card presence without containing usable card account information that could be compromised.
Solution Approach 2:
The patent extracts only the visual appearance information from the physical card while leaving all sensitive card data (magnetic stripe, chip, CVV) on the actual card. The transmitted card image contains no magnetic or electronic data that could be used for unauthorized transactions.
Data Source
AI summary
This disclosure describes systems and methods related to facilitating card present transaction. In one embodiment, a service provider system may receive a request from a merchant to initiate a card present transaction associated with a consumer. The service provider system may determine an identifier associated with a mobile device associated with the consumer. The service provider system may communicate to the mobile device, based at least in part on the identifier, a message that facilitates invocation of a transaction module associated with the mobile device. The service provider system may facilitate the car present transaction based at least in part on an interaction with the transaction module.