Wearable RFID Double-Tap Validation for Event Payment Security
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Solution Overview
Problem
Existing 'tap and go' RFID payment systems face issues with wireless identity theft, accidental charges, and high rates of chargebacks due to the lack of verification and multiple item carrying risks in event-based settings.
Innovation Solution
A wearable RFID device with embedded tags that uses a double tap method for validation and transaction confirmation, integrating with a server for UniqueID verification, balance management, age restriction, and zone privileges, preventing fraudulent transactions and enabling secure, touchless payments within event-based interrogation zones.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If traditional tap and go RFID payment systems are used, then transaction speed and convenience are improved, but security against wireless identity theft and fraudulent transactions deteriorates
Solution Approach 1:
The system performs preliminary actions by requiring the first tap to activate the terminal and validate the RFID tag before allowing any transaction to proceed. This preliminary validation step ensures that only authorized tags can initiate transactions, preventing wireless identity theft and fraudulent scans while maintaining the convenience of touchless payment.
Solution Approach 2:
The system implements feedback through the double-tap mechanism where the second tap serves as user confirmation of the transaction. The terminal provides feedback by displaying transaction details and requiring explicit user approval before completing the charge, thereby preventing accidental charges and friendly fraud while preserving fast transaction processing.
2Ease of operation
If tap and go payment without verification is used, then ease of operation is improved, but occurrence of accidental charges and friendly fraud worsens
Solution Approach 1:
The system requires the first tap as a preliminary action to activate the terminal and initiate the transaction process. This preliminary step ensures that the user has intentionally presented their RFID tag, creating awareness of the impending transaction before it is finalized.
Solution Approach 2:
The system uses the second tap as a feedback mechanism where the user confirms the transaction details displayed on the terminal. This feedback loop ensures that users are aware of and approve the transaction before it is completed, preventing accidental charges and friendly fraud while maintaining operational simplicity.
3Adaptability or versatility
If multiple payment cards and cash are carried for events, then transaction versatility is improved, but risk of loss or theft worsens
Solution Approach 1:
The system merges multiple payment functions and event access capabilities into a single RFID tag integrated with the wearable device. This consolidation eliminates the need to carry multiple payment cards, cash, and event badges separately, thereby reducing the risk of loss or theft while maintaining payment versatility and adaptability for various event scenarios.
Solution Approach 2:
The RFID tag in the wearable device is designed with universal functionality to handle multiple purposes including event admission, payment transactions, and potentially other event-specific functions. This multi-functionality replaces the need for multiple separate items, reducing exposure to theft and loss while maintaining versatility across different event activities.
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
Enhances transaction security by ensuring valid RFID tags are used for purchases, reduces accidental charges, and allows for convenient, secure payment management within events, minimizing the risk of theft and fraud.
Implementation Method 1
RFID (Radio-frequency identification) tags (e.g. in credit or debit cards). RFID tags allow for a 'tap and go' style of payment because the information is transmitted wirelessly. Two-way radio transmitter-receivers called readers send a signal to the tag and read its response.
Data Source
AI summary
A wearable RFID device is provided for use in an event-based interrogation zone. The zone contains terminals with RFID readers. The device has an element worn by a user and an attached or embedded RFID tag. The tag has stored data representing a UniqueID of the tag, and a stored funds balance. The tag is programmed to activate an otherwise inactive one of said terminals upon presentation of the tag to the RFID reader of said terminal in a first tap, and communicate its UniqueID to the terminal for validation. Upon validation and following a second tap of the tag at the RFID reader, the tag's stored funds balance can be changed by the amount of a transaction run through said terminal. A temporary installation of a system of RFID-based terminals and user-worn RFID devices is also provided for use within an event interrogation zone.