Payment Card Biometric Authentication via Handling Sensors
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Conventional payment card transaction authentication methods are inconvenient for users and insecure due to reliance on passwords, passcodes, or one-time passwords, which can be intercepted or spoofed, leading to inefficiencies and security concerns.
Innovation Solution
Implementing a payment card with sensors to measure card handling parameters such as motion, grip characteristics, and temperature, generating a biometric identity signature based on these parameters, and comparing them to stored data to authenticate the cardholder, thereby reducing the need for traditional authentication methods.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional authentication methods using passwords, passcodes, or OTPs are used, then authentication can be performed, but security is compromised due to interception and spoofing
Solution Approach 1:
The patent replaces traditional information-based authentication (passwords, OTPs) with biometric-based authentication using card handling parameters. Sensors detect physical characteristics such as grip force, card insertion force, and handling patterns, transforming these mechanical interactions into authentication data that is difficult to spoof or intercept.
Solution Approach 2:
The authentication system uses the cardholder's own natural card handling behavior as the authentication mechanism. The sensors automatically detect and analyze how the cardholder naturally handles the card during normal transactions, eliminating the need for separate authentication actions like entering passwords or OTPs.
2Reliability
If authentication information input steps are required at the POS terminal, then identity verification is achieved, but user convenience is reduced and payment experience is interfered with
Solution Approach 1:
The patent merges the authentication function with the normal card handling process. The same physical actions required to use the card (inserting, swiping, or presenting it) are simultaneously used for authentication purposes, combining transaction execution and identity verification into a single seamless operation.
Solution Approach 2:
The cardholder's natural card handling behavior automatically serves as authentication input. The system detects and analyzes these natural movements without requiring the user to consciously perform separate authentication actions, making the process as convenient as using the card itself.
3Reliability
If multiple authentication steps are implemented, then security is improved, but transaction time increases and productivity decreases
Solution Approach 1:
The system performs authentication analysis during the natural card handling process itself, rather than after the transaction is initiated. The sensors continuously monitor card handling parameters throughout the transaction flow, allowing authentication to occur in parallel with normal processing and not add sequential time delays.
Data Source
AI summary
The invention provides methods, systems and computer program products for identity authentication for payment card based payment transactions. A payment card may be configured for payor identity authentication for the purpose of an electronic payment transaction(s), and may comprise (i) sensors to measure card handling parameters, (ii) an authentication signature generator, configured to generate and store a biometric identity signature associated with an authorized cardholder—which signature is based on a first set of card handling parameter data received from the sensors, (iii) a card handling data comparator configured to receive a second set of card handling parameter data from the sensors, retrieve the biometric identity signature associated with the authorized cardholder, and compare the second set of card handling parameter data with data extracted from the retrieved biometric identity signature, and (iv) an authentication decision generator configured to generate an identity authentication decision based on the comparison.