Physical Card Proximity Authentication Through Dual-Location Comparison
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Accounts associated with physical cards are susceptible to fraud, both when account information is stolen electronically and when the physical cards are stolen, leading to wasted computing resources in processing unauthorized transactions.
Innovation Solution
An authentication system verifies that a physical card is near a location associated with a request before performing an action, using a machine learning model to determine the location of both the user device and the physical card, reducing fraud and conserving resources.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If location verification is implemented to prevent fraud, then security is improved, but device complexity increases
Solution Approach 1:
The patent introduces an authentication system as an intermediary between the user device and the account processing system. This mediator handles the complex location verification logic, receiving location data from both the user device and physical card, comparing them, and making authorization decisions. This shifts complexity from the user device to a centralized system, maintaining security while keeping individual devices relatively simple.
Solution Approach 2:
The authentication process is segmented into distinct components: location determination module, location comparison module, and authorization decision module. The system separately obtains location data from the user device and physical card, processes them independently, then compares them to make an authorization decision. This segmentation makes the complex security verification manageable and modular.
2Reliability
If location verification is implemented to prevent fraud, then security is improved, but processing time increases
Solution Approach 1:
The system performs location verification as a preliminary check before authorizing the transaction. By determining locations of both the user device and physical card and comparing them upfront, the system can quickly make an authorization decision without requiring additional time-consuming verification steps later in the transaction process.
Solution Approach 2:
The patent replaces manual or mechanical verification processes with automated electronic location comparison. The authentication system automatically obtains location data from GPS or other location services, compares the coordinates electronically, and makes instant authorization decisions, significantly reducing processing time compared to manual verification methods.
3Reliability
If location verification is implemented to prevent fraud, then security is improved, but energy consumption increases
Solution Approach 1:
The user device and physical card independently provide their own location data to the authentication system without requiring active participation or additional energy expenditure from the user. The location services on the devices automatically provide the necessary information, and the authentication system performs the comparison, minimizing energy consumption 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
This approach reduces the chances of fraud from stolen physical cards and conserves power and processing resources by ensuring the card's proximity to the user, thereby authorizing legitimate transactions.
Implementation Method 1
transmitting a sequence, using short-range electromagnetic waves, from the user device and to the physical card
Data Source
AI summary
In some implementations, a user device may receive, from an authentication system, a first request for a location associated with the user device. The user device may transmit, to the authentication system, an indication of the location associated with the user device, in response to the first request. The user device may receive, from the authentication system, a second request for a location associated with a physical card. The user device may transmit a sequence, using short-range electromagnetic waves, to the physical card. The user device may monitor for a response from the physical card to determine the location associated with the physical card. The user device may transmit, to the authentication system, an indication of the location associated with the physical card, in response to the second request.