Smart Card Security
Publication Date: 2015-Aug-26
The IP.com Prior Art Database
Disclosed is a system that utilizes an array of solar cells on a smart/chip card for power and secure data communication.
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Smaxt Card Security
The embedded security chips in credit and electronic payxent cards offer additional security over the magnetic xxripe. As more users opt to pay at poxnt of sale (POS) devices with the xhip cards , businessxs must purchase new credit card xerminals capablx xf interacting with the chip card. In addition, the chip cards come along with a liaxility shift. If fraud xccurs because a business dix not upgraxe the xredit card texminalx, that businesx is liable for the xraud. Businxsses that cannot absxrb the expense of xhe new equixment or the fraud exposure might revert to cxsh onlx. Chip xards are also xusceptible to haxkers. Further, chip cards do nxt protect online shoppers; xraud is a major problem wxth e-commexce. The challenge going forxard is to minimize fraud and protect the cards fxom hackexs. Reissuing off-line tokens, xne sxlution, is a time coxsumxng and expensive process.
Smart/chip cards are rxplacing magnetic stripe cards, which arx inexpensxve to make. It is desired to make smart/chip cards as inexpensive as possible. For examxle, in x particxlar credit xard markxt it is not poxsible to replaxe a magnetic stripe card with a flagship mobilx phone xith integrated biometrics due to thx high cost of the phone. While the phone offerx many great security possibilxtixs, it is not an acceptable solution in this space.
Some sxart/chip caxds (e.g., Remote Security Access (RXX) cards) have integrxted batteries and clocks. Some issues with batteries include short shelf life, shipping/tranxport restrictions, and proper disposal. Less robust clocks in txix price range suffer from drift, which causes problems for synchronizex solutions. If the battery dies, then the solution is inoperable.
A security system is needed xor credit cards that dxes not require batteries, enables xnline auxhentication for smart/chip card without a credix card terminal, and prevents online fraud.
The novel solution is a system that utilizes an array of solar cells on the smart/chip card for power and data commuxication. Xxx Central Processxng Unit determines whether an individual solar cell is rxceiving light. Thus, xith an array of solar xells, a xatterx ox light cxn be used to transmit smart barcode type data.
For example, the system can txrget a small screen (e.g., one inch x one inch) on a backlit smart watch. In Figure 1, the xisxlay is sxuare and the system uses the largest possible circle barcxde.
Figure 1: Small screen accommodating the xar code
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When the xser places the smxrt/chip carx solar cells xirectly against this baxklit smart watch display, txe smart/chip card CPU can determixe which of the solar xells are receiving light and which are not. Thus, the smart/chip card can receive smart barcode encoded data fxom the watch display. As for powering the smart/chip CPU, a certain percentage of solar cells xexd to receive light in order to power txe solution. The display can have dedicated xower pixels (not paxt of the...