Biometric Authentication for Contactless Payment Security
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Solution Overview
Problem
Current contactless payment mechanisms lack sufficient security, making them vulnerable to unauthorized transactions and fraud.
Innovation Solution
An electronic device equipped with a sensor module for detecting biometric signatures, such as fingerprints or ECG, and a network module for secure authentication, which verifies prestored biometric signatures to authenticate payment services and enable secure contactless transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If contactless payment technology is used, then convenience and speed of payment are improved, but security vulnerability increases
Solution Approach 1:
The system performs biometric authentication in advance before enabling contactless payment transactions. The user's biometric data (fingerprint, face, or iris) is captured and verified against stored templates, and only after successful authentication is the contactless payment function activated. This preliminary security check ensures that even though contactless payment is fast and convenient, it can only be used by authorized users.
Solution Approach 2:
The patent introduces biometric authentication as an intermediary layer between the user and the contactless payment function. Instead of directly enabling contactless payment, the system uses biometric verification as a mediator to confirm user identity first. This intermediary mechanism bridges the gap between convenience (contactless payment) and security (biometric verification), allowing fast payment only when authentication succeeds.
2Reliability
If biometric authentication is added to contactless payment, then payment security is improved, but system complexity increases
Solution Approach 1:
The system integrates multiple biometric authentication methods (fingerprint, face recognition, iris recognition) into a single unified contactless payment solution. The same sensor module can detect different types of biometric data, and the processor can handle various authentication algorithms, providing multiple authentication options without requiring separate hardware systems for each method.
Solution Approach 2:
The patent combines the biometric authentication function with the existing contactless payment system into a single integrated device. The sensor module, processor, and communication interfaces are merged into one system that performs both authentication and payment functions. This merging reduces overall system complexity compared to having separate standalone authentication and payment devices.
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
The solution provides a more secure and efficient contactless payment mechanism by ensuring that only authorized users can initiate transactions, thereby reducing the risk of fraud and enhancing the overall security of the payment process.
Implementation Method 1
detecting a first biometric signature by the sensor module
Data Source
AI summary
An electronic device and an authentication method thereof are disclosed herein. The electronic device includes a sensor module, a network module, at least one processor and a non-transitory computer-readable medium. The non-transitory computer-readable medium stores a first prestored biometric signature and computer-executable instructions to be executed by the at least one processor for performing the authentication method, in which the first prestored biometric signature is verified and issued by a first payment service. The authentication method includes the following steps: detecting a first biometric signature by the sensor module; determining whether the first biometric signature matches the first prestored biometric signature; authenticating the first payment service if the first biometric signature is determined to match the first prestored biometric signature; and transmitting or receiving data corresponding to the first payment service by the network module.