Integrated Transaction Card Security Code Generator
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Solution Overview
Problem
Conventional security transaction devices are separate from transaction cards and inconvenient to carry, lacking integration with IC cards and requiring additional devices for secure web transactions, which increases the risk of phishing and spyware threats.
Innovation Solution
A mobile phone with an integrated transaction card that includes a substrate with an IC, a security code generator, and a contactless or contact interface, utilizing piezoelectric material for electricity generation and electronic paper or OLED displays to generate and display security codes, eliminating the need for a separate security device.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If a separate security device is used for transaction verification, then security protection against phishing and spyware is improved, but device portability and convenience deteriorate due to the additional size and weight
Solution Approach 1:
The patent combines the security code generator function with the IC card into a single integrated device. The security code generator is embedded within the IC card substrate, eliminating the need for a separate external security device. This merging allows users to perform secure transactions using only the IC card, significantly improving portability while maintaining security protection.
2Reliability
If a separate security device is used for generating security codes, then transaction security is improved, but device complexity increases due to multiple components
Solution Approach 1:
The security code generator is integrated into the IC card substrate, combining multiple functions (security code generation, display, and card identification) into a single device. This reduces the total number of components from what would be required with a separate security device plus IC card, thereby reducing device complexity while maintaining transaction security.
3Use of energy by moving object
If piezoelectric material is used for electricity generation in the button, then energy independence is improved, but manufacturing complexity increases
Solution Approach 1:
The patent employs piezoelectric material in the button to convert mechanical pressure into electrical energy, enabling the security code generator to operate without an external power source. This parameter change in energy generation methodology provides energy independence, allowing the device to function autonomously when the button is pressed, despite the increased manufacturing complexity of integrating piezoelectric materials.
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
Enables secure banking and transaction verification directly on a mobile phone, enhancing security by integrating the security code generation within the phone, reducing the risk of phishing and spyware threats, and providing a compact, convenient solution for transactions.
Implementation Method 1
The electricity generating button includes piezoelectric material to generate electricity by piezoelectricity
Implementation Method 2
a NFC antenna or coil is coupled to the transaction IC for transaction signal transmission
Data Source
AI summary
A transaction card comprises a substrate having an IC. An interface is coupled to the IC for signal transmission; a security code generator is coupled with the IC to generate a security code for banking transaction; an electricity generating button is coupled to the security code generator to generate the security code, a display is on the substrate and is coupled to the IC for displaying the security code. The electricity generating button includes piezoelectric material to generate electricity by piezoelectricity. The interface is contactless or contact type. The display is electronic paper, OLED, FED.