Multifunction Card Biometric Data Utilization

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Solution Overview

Problem

Existing card payment systems do not effectively utilize biometric data for functions beyond payment transactions, lacking integration and versatility in their application.

Innovation Solution

A multifunction card with an integrated circuit that includes a memory, processor, and communicator, capable of storing biometric data and executing various software applications, allowing biometric authentication for different functions based on user-specific settings and commands, enabling the use of biometric data across multiple functionalities.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If biometric data is stored in a credit card for card payment authentication, then card payment security is improved, but the data cannot be utilized for other functions

Engineering Contradiction:

Improvecard payment securityVSAvoidbiometric data utilization

Core Design Contradiction:

ReliabilityVSAdaptability or versatility

Solution Approach 1:

The patent enables biometric data stored in the credit card to be utilized for multiple functions beyond card payment authentication. The system allows the same biometric data to serve both card payment verification and other authentication purposes (such as accessing personal information or performing banking operations), thereby making the biometric data multi-functional and resolving the limitation of single-use storage

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Reliability

If biometric authentication is required for all functions, then security is improved, but ease of operation deteriorates

Engineering Contradiction:

Improveauthentication securityVSAvoidoperation convenience

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The patent implements dynamic authentication requirements where biometric authentication is adaptively applied based on the specific function being accessed. High-security operations like card payments require biometric verification, while lower-risk functions may use alternative authentication methods or be accessible without biometric checks, allowing the system to balance security requirements with user convenience

Inventive Principle:

Principle #15Dynamics

3Reliability

If biometric data is transmitted to external devices, then authentication capability is improved, but security risk increases

Engineering Contradiction:

Improveauthentication capabilityVSAvoidsecurity risk

Core Design Contradiction:

ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The patent introduces secure communication protocols and encryption mechanisms as intermediaries between the biometric data storage in the card and the external authentication devices. The biometric data is transmitted through encrypted channels with authenticated connections, ensuring that the data protection is maintained during transmission while still enabling external authentication capability

Inventive Principle:

Principle #24Intermediary (Mediator)

Data Source

PatentUS10997586B2Multifunction card including biometric data, card payment terminal, and card payment system

Publication Date: 2021.05.04 BRAINY

AI summary

A multifunction card includes an integrated circuit. The integrated circuit includes a memory, a processor, and a communicator. The memory stores first software which is executed by the processor and realizes a card payment function, second software which is executed by the processor and realizes a function other than the card payment function, biometric data for a user capable of using the card payment function, and setting data which represents that biometric authentication for the first software is necessary and whether biometric authentication for the second software is necessary.