Biometric Authentication for Digital Payments Using Push Notifications
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Solution Overview
Problem
Current digital payment systems face challenges such as lack of standardization, susceptibility to cyber attacks, and inconvenience due to the use of passwords and biometric data storage with third parties, which compromise security and privacy.
Innovation Solution
A method and system for user identity validation during digital payments using biometric authentication, where a user identifier is received, and a push notification is sent to a mobile device to initiate a biometric authentication process, with the result transmitted to a transaction initiation system to complete the payment process, leveraging tokenized user identifiers and biometric API services for enhanced security.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If biometric data is stored with a third party for automatic checkout, then convenience is improved, but security and privacy are worsened due to susceptibility to cyber attacks
Solution Approach 1:
The patent introduces a biometric authentication system that acts as an intermediary between the user and the payment system. Instead of storing biometric data with third parties, the system uses a secure biometric authentication process that verifies user identity without exposing sensitive data, thereby maintaining convenience while improving security
Solution Approach 2:
The system enables self-service authentication by allowing users to verify their own identity through biometric data captured and processed by the system. The user's mobile device stores authentication credentials locally and performs self-verification, eliminating the need to trust third parties with biometric data storage
2Ease of operation
If passwords are used to secure accounts, then ease of operation is improved, but security is worsened due to compromise risks
Solution Approach 1:
The patent replaces the mechanical/password-based authentication system with a biometric authentication system. Instead of requiring users to remember and enter passwords, the system uses biological characteristics (fingerprint, facial recognition, iris scan) to automatically verify identity, maintaining ease of operation while dramatically improving security as biometric data cannot be compromised in the same way passwords can
3Reliability
If OTP is required for stronger authentication, then security is improved, but ease of operation is worsened due to manual entry requirements
Solution Approach 1:
The patent replaces the manual OTP entry process with automated biometric authentication. Instead of requiring users to receive, read, and manually enter a one-time passcode, the system captures biometric data and automatically processes authentication, maintaining strong security while eliminating the manual entry step that reduces convenience
4Reliability
If manual checkout is required due to biometric authentication failures, then security is maintained, but productivity is worsened due to forced manual intervention
Solution Approach 1:
The patent implements preliminary biometric authentication before the checkout process begins. By verifying user identity in advance through biometric data, the system enables automatic checkout to proceed without interruption. This preliminary action prevents authentication failures during checkout, maintaining both security and productivity by avoiding forced manual intervention
Data Source
AI summary
A method for validation of identity of a user during a digital payment process comprises: receiving a user identifier; determining, based on the user identifier, that the user is enrolled for biometric authentication; transmitting, to a mobile device associated with the user identifier, a push notification, said push notification causing an authenticator application executing on the mobile device to initiate a biometric authentication process; receiving a result of said biometric authentication process; and transmitting authentication data, based on said result, to a transaction initiation system to trigger completion of the digital payment process.