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A method and system to prevent credit card use with RFID technology

IP.com Disclosure Number: IPCOM000130325D
Original Publication Date: 2005-Oct-19
Included in the Prior Art Database: 2005-Oct-19
Document File: 2 page(s) / 27K

Publishing Venue

IBM

Abstract

Proposed are two methods using radio frequency identification (RFID) technology for the credit card industry. The first method presents a way of preventing credit card theft. The second method presents a way of checking credit card information against an verfied identification in a non-random fashion.

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A method and system to prevent credit card use with RFID technology

Recent advancements in the technology such as RFID have introduced different ways of using RFID. Today RFID technology is used in credit cards, car keys and on other gadgets such as paypass (for gas pumps etc). This invention will target the use of RFID in credit cards. Today we may see "numberless" credit cards; meaning the credit card numbers are not printed on the card anymore, instead they are stored inside the chip in the card. The information may be encrypted and can only be read by an authorized card reader (most probably one issued by banks or the credit card issuer). Advantages such as faster checkout time and security are cited as the reasons credit cards are going this way. Unfortunately the credit card can be physically lost or stolen and used by unauthorized users. Present methods such as putting the owners picture on the credit card or checkout personnel checking for identification and comparing it against the credit card are not universally implemented. Other methods, such as imposing use of a pin number input from the owner for extra security, unfortunately negates the advantage of fast and quick checkouts.

The invention proposes that the credit card using RFID technology be rendered useless or turned off or present an extra security check when the credit card does not get validated by a validating device close to the credit cards proximity. The validating device validates the card every few seconds or minutes. If the credit card is not validated after a certain amount of time, any checkout reader at a retail store will know it has not been validated and the credit card is either rejected or the card reader can ask the owner to enter a pin number only known to the user. In essence the credit card imposes an extra security check if the validating reader is not in close proximity and the credit card is not validated.

The RFID used in the credit card should be a read-write RFID type. The write type is important since this will allow the validating device to write/place a date and time stamp when it last validated the credit card. The date and time stamp is what is checked by the retail store card reader and compares it with its current date and time setting. If the card reader detects that the credit card has not been validated in the last 2 minutes as an example (from the last time stamp), then the card reader either rejects...