Automatic Payer Authentication Using BLE and Facial Recognition

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Solution Overview

Problem

Existing unmanned payment stations require cumbersome authentication processes for customers, such as swiping credit cards and entering user IDs, which are inconvenient and inefficient.

Innovation Solution

A system utilizing Near Field Communication (NFC) and facial recognition, combined with Bluetooth proximity, to automatically authenticate customers for hands-free payments, including facial profile generation and verification through a payment service provider's server.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If traditional authentication methods (swiping credit card, entering user ID and password) are used at unmanned payment stations, then payment security is maintained, but the authentication process becomes cumbersome and inconvenient for customers

Engineering Contradiction:
Improveauthentication convenienceVSAvoidauthentication time
Core Design Contradiction:
Ease of operationVSLoss of time

Solution Approach 1:

The system performs preliminary actions by pre-registering customer facial profiles and storing them in a database before the actual payment transaction occurs. When a customer approaches the payment station, the system already has the facial recognition capability ready to immediately identify and authenticate the customer without requiring them to perform manual authentication steps

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The patent replaces the mechanical/manual authentication system (swiping cards, typing passwords) with an automated optical recognition system using facial recognition technology. The camera captures the customer's face, compares it against stored profiles, and automatically authenticates them, eliminating the need for physical card handling and manual input

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

2Productivity

If automatic facial recognition authentication is implemented, then authentication speed and convenience are improved, but system complexity increases due to requirements for cameras, databases, and recognition algorithms

Engineering Contradiction:
Improvepayment processing speedVSAvoidauthentication system complexity
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The system achieves universality by using a single camera-based facial recognition mechanism that can authenticate multiple different customers without requiring separate authentication protocols for each user. The same hardware and software infrastructure handles all customer identifications, making the system scalable without proportionally increasing complexity

Inventive Principle:
Principle #6Universality (Multi-functionality)

Solution Approach 2:

Instead of requiring the physical customer to present their actual credit card or ID, the system creates and stores a digital copy (facial profile) of the customer's face. This digital copy serves as the authentication credential, simplifying the physical infrastructure needed while enabling rapid automated verification during transactions

Inventive Principle:
Principle #26Copying

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

Enables quick and accurate customer identification at unmanned payment stations, reducing the need for manual authentication and enhancing the payment process efficiency.

Implementation Method 1

A system utilizing Near Field Communication (NFC) and facial recognition, combined with Bluetooth proximity, to automatically authenticate customers for hands-free payments

Methodology Applied
Scientific EffectNear Field Communication: Electromagnetic Induction

Implementation Method 2

facial profile generation and verification through a payment service provider's server

Methodology Applied
Scientific EffectFacial recognition: Image Processing

Implementation Method 3

combined with Bluetooth proximity, to automatically authenticate customers

Methodology Applied
Scientific EffectBluetooth proximity: Electromagnetic Induction

Data Source

PatentUS12400230B2Systems and methods for implementing automatic payer authentication
Publication Date: 2025.08.26 PAYPAL INC
  • US12400230B2 patent drawing
  • US12400230B2 patent drawing
  • US12400230B2 patent drawing

AI summary

A system or method may be provided to facilitate automatic user authentication for electronic transactions. In particular, the system or method may automatically authenticate a customer such that the customer may make complete hands free payments without the intervention of the customer or the merchant. The automatic authentication may include a check-in process and a payment authentication process. When a customer enters a designated area of a merchant, a BLE beacon device of the merchant may automatically check in the customer at the designated area of the merchant. After the customer is checked in at the merchant's designated area, the merchant may identify the customer who is about to make a payment from a plurality of other customers who also are checked in at the merchant via Bluetooth proximity and facial recognition in parallel. Thus, the customer may automatically be authenticated to make payments by facial recognition or Bluetooth proximity.