Virtual Wallet Card Signatures for Anti-Phishing Authentication
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Solution Overview
Problem
Existing virtual payment card systems lack effective security measures, such as two-step authentication and anti-phishing methods, as they rely on generic transaction animations that do not distinguish between transactions, making users vulnerable to fraud and phishing attacks.
Innovation Solution
Implementing a system where a merchant point-of-sale device delivers animation data, card image data, and notification sound data to a user device, allowing the virtual payment card in the user's wallet application to display unique representations for each transaction, enhancing security through multi-step authentication and anti-phishing processes.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If generic transaction animations are used for all transactions, then device complexity is reduced and ease of operation is improved, but security is worsened because transactions cannot be distinguished
Solution Approach 1:
The patent changes the visual parameters of the payment card representation by displaying different brand logos (e.g., Nike, Adidas, Puma) corresponding to different transactions. This parameter change enables transaction distinction and enhances security without requiring complex system architecture, as the solution leverages existing brand assets and simple image swapping mechanisms.
2Reliability
If generic transaction animations are used, then ease of operation is improved, but anti-phishing capability is worsened because no visual signature exists to verify legitimate transactions
Solution Approach 1:
The patent employs visual changes in the payment card representation, including displaying different brand logos and potentially different colors or designs associated with each brand. These visual changes create unique signatures for each transaction type, enabling users to verify legitimate transactions and detect phishing attempts while maintaining simple operation through automatic display updates.
3Reliability
If unique representations are displayed for each transaction, then security is improved by providing visual signatures, but device complexity increases due to multiple animation and image management requirements
Solution Approach 1:
The patent makes the payment card representation serve multiple functions: it acts as both a brand identifier and a transaction signature. By using the same visual element (the brand logo on the payment card) for dual purposes, the system achieves enhanced security without proportionally increasing complexity, as the same basic component performs multiple security-related functions.
4Reliability
If unique representations are displayed for each transaction, then anti-phishing capability is improved through visual signatures, but ease of operation is worsened due to additional verification steps
Solution Approach 1:
The system automatically displays the appropriate brand logo and transaction representation without requiring user intervention to select or verify the correct visual signature. The payment card representation self-updates based on the transaction type, providing anti-phishing capability while maintaining ease of operation through automated visual verification.
Data Source
AI summary
Systems and methods are described herein for updating a representation of a virtual payment card in response to a virtual transaction between a first device (e.g., a user device) and a second device (e.g., a merchant point-of-sale device). The systems and methods may be used to authenticate user identity with an additional layer of security and/or combat phishing attempts intended to dupe users into disclosing confidential profile information. In response to a completed transaction, the second device delivers interactivity data (e.g., animation data, card image data, contextual data, notification sound data, etc.) to the first device, which actuates a distinct representation (e.g., an animation, a graphic image, a notification sound, etc.) of the card image of the virtual payment card used in the completed transaction.