Portable Consumer Device Offline Verification via Dual Values
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Solution Overview
Problem
Conventional consumer card payment transactions face challenges in offline fraud prevention and authentication, particularly in high-speed transit environments where online verification is not feasible, and the adoption of contactless smart cards requires additional infrastructure for specialized readers.
Innovation Solution
A method that utilizes a portable consumer device with both an issuer verification value for online transactions and a supplemental verification value for offline transactions, allowing for authentication without the need for separate offline application areas or specialized readers, using a contactless smart card that communicates via RF technology.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Speed
If contactless smart cards are used for offline transactions, then transaction speed is improved, but device complexity increases due to need for specialized readers and separate application areas
Solution Approach 1:
The patent combines the offline verification functionality into the existing magnetic stripe data structure, merging the verification value with the primary card data. This eliminates the need for separate application areas and specialized readers, as the same reader that reads the magnetic stripe can now verify the offline transaction using the integrated verification value.
Solution Approach 2:
The magnetic stripe reader is enhanced to perform multiple functions: it can read conventional magnetic stripe data for online transactions and also verify offline transactions using the integrated verification value. This universal reader eliminates the need for separate specialized readers for offline contactless transactions.
2Reliability
If separate offline application areas are implemented on smart cards, then offline authentication capability is improved, but manufacturing complexity increases
Solution Approach 1:
The verification value for offline authentication is merged into the existing magnetic stripe data structure rather than being stored in a separate application area. This integration maintains the simplicity of the card structure while providing offline authentication capability, thereby reducing manufacturing complexity.
3Reliability
If issuers manage separate applications for offline processing, then offline transaction security is improved, but operational complexity increases
Solution Approach 1:
The verification process for offline transactions is merged with the existing magnetic stripe reading process. The reader uses the same verification mechanisms for both online and offline transactions, eliminating the need for issuers to manage separate applications and reducing operational complexity while maintaining security.
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
Enables secure offline transaction processing, reducing counterfeiting risks and eliminating the need for additional infrastructure, allowing for seamless use in both online and offline environments without burdening issuers with managing separate applications.
Implementation Method 1
Such contactless smart cards typically communicate with the card reader or terminal using RF (radio-frequency) technology, wherein proximity to an antenna causes data transfer between the card and the reader or terminal
Data Source
AI summary
A portable consumer device includes a base, and a computer readable medium on the base. The computer readable medium comprises code for an issuer verification value and a supplemental verification value. The issuer verification value is used by an issuer to verify that the portable consumer device is authentic in an on-line transaction and the supplemental verification value is used to verify that the portable consumer device is authentic in an off-line transaction.