Risk-Based Card Printing System for Fraud Control
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Transaction cards are vulnerable to fraudulent activities as full account identifiers printed on them can be easily obtained by fraudulent actors, leading to unauthorized transactions and resource wastage in identifying and rectifying these issues for both cardholders and issuers.
Innovation Solution
A system that determines a risk score based on credit application information and transmits instructions to a transaction card manufacturing system to either print the full account identifier or omit it, depending on whether the risk score satisfies a threshold, thereby controlling the visibility of sensitive information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If the full account identifier is printed on the transaction card, then usability is improved by ensuring easy access to the information, but security deteriorates as fraudulent actors can easily obtain the identifier
Solution Approach 1:
The patent applies local quality by differentiating the treatment of account identifiers based on risk assessment. Low-risk cards receive full account identifiers printed for ease of use, while high-risk cards have the identifiers omitted or obscured. This localized differentiation resolves the contradiction by tailoring the information visibility to the specific risk profile of each cardholder.
Solution Approach 2:
The patent implements dynamics by making the account identifier visibility conditional rather than static. The printing system dynamically adjusts whether to print the full account identifier based on real-time risk score evaluation. This dynamic approach allows the system to adapt to changing security requirements while maintaining usability for low-risk users.
2Loss of information
If the full account identifier is printed on the transaction card, then information accessibility is improved, but resource wastage increases due to fraudulent transactions and rectification efforts
Solution Approach 1:
The patent applies preliminary action by performing risk assessment and determining account identifier visibility before the card is issued. The system evaluates credit application information, calculates risk scores, and makes binding decisions about information printing in advance. This preliminary action prevents fraudulent transactions before they occur, avoiding the resource wastage associated with detecting and rectifying fraud after the fact.
Solution Approach 2:
The patent implements feedback by using credit application information and risk score evaluations to inform the printing decision. The system continuously assesses risk factors and provides feedback to the printing system, which adjusts information visibility accordingly. This feedback mechanism ensures that information accessibility is maintained for low-risk users while preventing resource wastage from fraud-related activities.
3Ease of manufacture
If the printing system always prints the full account identifier, then manufacturing simplicity is maintained, but security control capability deteriorates
Solution Approach 1:
The patent applies universality by designing a printing system that can perform multiple functions: it can print full account identifiers for low-risk cards, omit them for high-risk cards, and potentially print alternative identifiers or patterns. This multi-functional capability allows the same printing infrastructure to adapt to different security requirements without requiring separate manufacturing processes.
Solution Approach 2:
The patent implements parameter changes by modifying the printing parameters based on risk assessment results. The system changes the state of the account identifier printing from a fixed parameter to a variable one, controlled by the risk score. This allows the printing process to maintain simplicity while gaining security control capability through parameter adjustment rather than process complexity.
Data Source
AI summary
In some implementations, a printing system may include a card printer that includes a printing controller and a marking device. The card printer may be configured to receive a first printing instruction or a second printing instruction associated with printing an account identifier on a card. The card printer may receive one of the first printing instruction or the second printing instruction based on whether a risk score, associated with the account identifier, satisfies a threshold. The card printer may print a full account identifier, associated with the card, on a surface of the card based on receiving the first printing instruction. The card printer may print the card without the full account identifier on the surface of the card based on receiving the second printing instruction.