Portable Device Verification Data Management for Secure Transactions

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Solution Overview

Problem

Existing transaction systems require inconvenient actions from resource providers for user authentication, which can be cumbersome and insecure, especially when verifying the authenticity of portable devices used for transactions.

Innovation Solution

A system that writes verification data to a portable device by identifying and obtaining it from trusted third-party entities, allowing the device to be used for secure transactions by displaying the verification data on an access device, ensuring user authentication without physical handling of IDs.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If verification data is obtained from multiple trusted third-party entities and written to portable devices, then transaction security and user authentication reliability are improved, but system complexity and data management overhead increase

Engineering Contradiction:

Improveuser authentication reliabilityVSAvoidsystem complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent introduces a service provider computer as an intermediary that manages verification data from multiple trusted third-party entities. This intermediary consolidates the complexity of querying multiple sources, selecting appropriate verification data, and writing it to portable devices, thereby improving authentication reliability without proportionally increasing system complexity for end users.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The system performs preliminary actions by pre-obtaining and writing verification data to portable devices before transactions occur. This advance preparation eliminates the need for real-time authentication queries during transactions, improving reliability while managing system complexity through batch processing and pre-computation.

Inventive Principle:

Principle #10Preliminary action

2Productivity

If verification data is stored locally on portable devices, then transaction speed and convenience are improved, but security risks from data tampering or unauthorized access increase

Engineering Contradiction:

Improvetransaction speedVSAvoidsecurity risks

Core Design Contradiction:

ProductivityVSObject-affected harmful factors

Solution Approach 1:

The patent changes the state of verification data by writing it in a fixed, read-only format to the portable device's electronic memory. This parameter change ensures data integrity and prevents tampering, allowing local storage to provide both speed and security. The data is written once from trusted sources and then used without modification, eliminating security risks associated with local storage.

Inventive Principle:

Principle #35Parameter changes

3Reliability

If the system queries multiple trusted third-party entities for verification data, then data authenticity and security are improved, but processing time and operational complexity increase

Engineering Contradiction:

Improvedata authenticityVSAvoidprocessing time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system performs verification data acquisition from multiple trusted third-party entities in advance, before the actual transaction occurs. The service provider computer queries these sources, selects appropriate verification data, and writes it to portable devices beforehand. This preliminary action ensures data authenticity while eliminating time delays during actual transactions, as the verification data is already available locally.

Inventive Principle:

Principle #10Preliminary action

4Reliability

If resource providers use traditional authentication methods requiring physical ID handling, then verification thoroughness is improved, but user convenience and operational efficiency decrease

Engineering Contradiction:

Improveverification thoroughnessVSAvoiduser convenience

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The patent replaces the mechanical system of physical ID handling with an electronic verification system. Instead of resource providers physically examining identification documents, the system electronically writes verification data to portable devices and reads it during transactions. This substitution maintains verification thoroughness by using data from trusted third-party entities while dramatically improving user convenience through contactless, automated verification.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS10726412B2Portable device with local verification data

Publication Date: 2020.07.28 VISA INTERNATIONAL SERVICE ASSOCIATION

AI summary

Embodiments of the disclosure are directed to systems and methods in which verification data is written to a portable device and used to complete a transaction. The system may identify a number of trusted third-party entities computers capable of providing verification data associated with a particular user. The system may generate requests to each of the trusted third-party computers for that verification data. Upon receiving responses, the system may select an appropriate verification data from the responses received from those trusted third-party computers. The verification data is then written to a portable device, which is provided to a user with which it is associated. Once provided, the portable device may be used in a transaction conducted at a resource provider and the verification data may be caused to be displayed on a display operated by the resource provider.