Payment Card Identification via Zero-Amount EMV Authorization
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Solution Overview
Problem
Existing identification systems for accessing goods or services are either expensive or do not provide sufficient user verification, especially when using payment cards, as they either lack robust authentication methods or require additional systems beyond existing payment infrastructure.
Innovation Solution
A method utilizing existing payment card infrastructure to execute zero-amount transactions, optionally with personal identification codes, to ensure user identification and access control, leveraging the EMV protocol for online authorization to validate access to goods or services.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If automated identification systems are implemented, then identification efficiency is improved, but system cost increases
Solution Approach 1:
The patent reuses the existing payment card and payment terminal infrastructure for identification purposes, making the payment system multi-functional. The terminal verification results from EMV payment protocol are repurposed to provide identification assertion, eliminating the need for separate identification hardware and reducing system cost while maintaining high identification efficiency
Solution Approach 2:
The payment card and terminal system automatically perform identification verification without requiring additional dedicated identification equipment or manual verification processes. The existing payment transaction mechanism self-services the identification function by generating terminal verification results that can be used for access control decisions
2Reliability
If biometric recognition systems are used, then authentication strength is improved, but system cost increases
Solution Approach 1:
The patent makes the payment terminal and card system multi-functional by using it for both payment processing and authentication/identification. The existing secure elements in payment cards and terminals are leveraged to provide strong authentication without requiring separate biometric systems, thereby maintaining high security while avoiding additional costs
3Device complexity
If payment card identification is used, then system cost is reduced, but user verification reliability deteriorates
Solution Approach 1:
The patent introduces feedback by using the terminal verification results from the EMV payment protocol as the basis for identification assertion. The terminal's verification of the payment card (which already occurs during payment processing) provides feedback about the card's authenticity and the user's identity, thereby enhancing verification reliability without adding cost
Solution Approach 2:
The patent changes the parameter being utilized from mere card presence to the terminal verification results (specifically the fourth bit of the fourth octet being set to 1 indicating successful online authorization). This parameter change transforms a simple card reading operation into a reliable verification process that confirms both card authenticity and user identity
Data Source
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AI summary
The invention relates to a method for identifying a user for access to a good or a service. According to the invention, such a method comprises: - a step of presentation to a terminal, by the user to be identified, of a payment card; - a step of execution, by the terminal, of a payment transaction whose amount is zero; - when said payment transaction is executed without error, a step of issuing an identification assertion resulting in access to the good or service.