Virtual Card Number Rotation for Cryptographic Authentication Security
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Solution Overview
Problem
Existing virtual card numbers are static, making them vulnerable to brute force attacks and security breaches, and data transmission without encryption is susceptible to interception, leading to increased security risks and resource consumption.
Innovation Solution
A system and method for generating dynamic virtual card numbers and security codes based on a cryptogram involving unique identifiers, counters, and session keys, ensuring secure and limited-use transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If static virtual card numbers are used, then system simplicity is maintained, but security vulnerability increases due to brute force attack exposure
Solution Approach 1:
The patent transforms static virtual card numbers into dynamic, time-varying values. The system generates new virtual card numbers periodically or per transaction, making them change over time rather than remaining fixed. This dynamic approach prevents brute force attacks while maintaining manageable system complexity through automated generation and rotation mechanisms.
Solution Approach 2:
The patent changes the parameter of card number stability from static to dynamic. By implementing parameters such as expiration times, usage limits, and regeneration intervals, the system creates virtual card numbers that evolve based on predefined conditions. This parameter transformation enhances security without requiring fundamentally complex system architecture.
2Reliability
If data transmission without encryption is used, then system simplicity is maintained, but security vulnerability increases due to data interception
Solution Approach 1:
The patent introduces encryption as an intermediary layer between data generation and transmission. Instead of directly transmitting raw data, the system encrypts virtual card numbers and associated data using cryptographic protocols. This intermediary encryption mechanism protects against data interception while maintaining operational simplicity through standardized encryption libraries and automated key management.
3Reliability
If security measures are implemented, then security vulnerability is reduced, but system resource consumption increases
Solution Approach 1:
The patent implements self-service security mechanisms where the system automatically generates, rotates, and manages virtual card numbers without requiring manual intervention or heavy computational resources. The automated generation and expiration handling reduces the need for continuous security monitoring and intervention, lowering overall system resource consumption while maintaining robust security.
4Reliability
If security measures are implemented, then security vulnerability is reduced, but transaction efficiency decreases
Solution Approach 1:
The patent performs preliminary security actions by pre-generating and caching valid virtual card numbers along with their associated cryptographic parameters. This preliminary preparation allows transactions to proceed quickly without requiring real-time security computations, thereby maintaining high transaction efficiency while ensuring security through pre-validated credentials.
Data Source
AI summary
Systems and methods for authentication may include an authentication system. The authentication system may include a processor and a memory. The memory may contain a unique identifier, a counter, a session key, and a PAN sequence number. The processor may be configured to receive an authentication request. The processor may be configured to generate, in response to the authentication request, a virtual card number and a dynamic security code based on mapping with a plurality of parameters of a cryptogram including at least one selected from the group of the unique identifier, the counter, the session key, and the PAN sequence number. The processor may be configured to transmit the virtual card number and the dynamic security code to complete the authentication request.