Smart Commerce Card Biometric Authentication and Data Separation
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Solution Overview
Problem
Consumers are inconvenienced by the need to apply for and carry multiple store cards to receive benefits, leading to incomplete information sharing due to redundant data requirements and security concerns, while vendors seek to simplify the process for more accurate consumer trend analysis.
Innovation Solution
A smart commerce card system that uses biometric data for secure authentication, separates generic and private information, and employs public key encryption to protect data, allowing authorized users to control the release of private information through a 'yes' or 'no' button, enabling secure and convenient use across multiple stores.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If consumers carry multiple store cards to receive benefits, then they can access more consumer benefits, but the complexity and inconvenience of managing multiple cards increases
Solution Approach 1:
The patent combines multiple store cards into a single universal smart card that can be used across different stores. The card contains multiple applications (applets) that enable it to function at various retail locations, eliminating the need for consumers to carry separate cards for different stores while maintaining access to all consumer benefits.
Solution Approach 2:
The smart card is designed with multi-functionality to perform various operations at different stores. It includes a universal interface that can communicate with different store systems, and the card can be used for payment, loyalty programs, and other store-specific functions through its embedded applications, making it a universal card for multiple purposes.
2Measurement precision
If consumers provide complete information to stores, then vendors get accurate consumer data for analysis, but security concerns and redundant data requirements reduce information sharing
Solution Approach 1:
The patent introduces a card controller as an intermediary between the consumer and the store system. The controller manages the communication, authentication, and data exchange processes, ensuring that information is shared securely and only when necessary. This intermediary handles the trust relationships and security protocols, making consumers more willing to share complete information.
Solution Approach 2:
The smart card implements local quality by having different areas of the card serve different functions. The card has a public area for storing non-sensitive information and a private area for secure data, with selective disclosure capabilities. This allows the card to provide appropriate levels of information sharing based on the specific transaction requirements while maintaining security.
3Reliability
If stores require redundant data from multiple cards, then they can verify consumer information, but the time and effort required for application increases
Solution Approach 1:
The patent merges the verification functions of multiple cards into a single smart card. The card contains all necessary verification capabilities embedded within it, including authentication mechanisms and data storage, so stores only need to interact with one card instead of requiring consumers to provide information from multiple separate cards.
Solution Approach 2:
The smart card performs preliminary actions by pre-storing consumer information, authentication data, and verification credentials on the card itself. This preliminary preparation eliminates the need for consumers to repeatedly provide the same information during different verification processes, reducing the time and effort required for application and data entry.
Data Source
AI summary
A method, system and computer program product for private information exchange in smart card commerce is disclosed. The method includes, in response to determining that an item of biometric data received on a biometric reader corresponds to an authorized user, unlocking a communication channel on a communication port, exchanging public keys between the user and authorized point of sale, receiving an information request from an external point of sale machine across the communication channel, decrypting an information request and parsing a data token. In response to determining that private data has been requested in the information request, a user is prompted for authorization to release the private information, and private information exchange in smart card commerce is performed by, in response to the user pressing a yes button on the smart card, placing an encrypted copy of the private data in the public area of the smart card for transmission across the communication channel to the external point of sale machine.