Biometric Impulsiveness Detection for Transaction Guidance

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Solution Overview

Problem

Consumers often lack tools to identify and prevent impulse purchases, leading to overspending and financial difficulties due to the absence of systems that can determine impulsiveness during transactions.

Innovation Solution

A system that uses biometrics to assess impulsiveness by comparing current biometric characteristics with baseline data, providing recommendations to consumers on whether to proceed or not with a transaction based on determined impulsiveness, in conjunction with budgetary restrictions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If biometric monitoring and emotional intelligence analysis are integrated into the payment system, then the ability to identify and prevent impulse purchases is improved, but the device complexity increases

Engineering Contradiction:

Improveability to identify impulse purchasesVSAvoidsystem complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent introduces an intermediary emotional intelligence analysis layer between the biometric sensor and the payment approval system. This mediator processes biometric data through machine learning models to detect emotional states indicating impulse purchases, then communicates recommendations to the payment system without directly controlling the transaction flow, thus managing complexity while improving reliability

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent replaces traditional mechanical or rule-based spending control mechanisms with an intelligent system that uses biometric sensing, emotional analysis through machine learning, and adaptive recommendation algorithms. This substitution enables more nuanced detection of impulse purchases while managing system complexity through software-based solutions

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Measurement precision

If real-time biometric analysis is performed during transactions, then the precision in detecting impulsiveness is improved, but the processing time increases

Engineering Contradiction:

Improveimpulsiveness detection accuracyVSAvoidtransaction processing time

Core Design Contradiction:

Measurement precisionVSLoss of time

Solution Approach 1:

The patent performs preliminary actions by continuously monitoring biometric data and pre-analyzing emotional states before a purchase decision is finalized. The system maintains a baseline of normal biometric patterns and detects deviations in real-time, allowing for early intervention recommendations that improve detection precision without significantly delaying the transaction

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The patent applies partial action by selectively analyzing biometric data only when transaction patterns suggest potential impulse purchases rather than continuously processing all transactions. The system uses heuristic filters to identify high-risk scenarios first, then applies full biometric analysis only to those cases, balancing precision with processing time

Inventive Principle:

Principle #16Partial or excessive action

3Ease of operation

If the system provides detailed emotional intelligence recommendations, then the consumer guidance quality is improved, but the information processing load increases

Engineering Contradiction:

Improveconsumer guidance qualityVSAvoidinformation processing load

Core Design Contradiction:

Ease of operationVSDevice complexity

Solution Approach 1:

The patent applies local quality by providing differentiated levels of recommendation detail based on the specific transaction context and consumer needs. Rather than providing uniformly detailed recommendations for all transactions, the system tailors the depth and type of guidance to the specific emotional state detected and transaction characteristics, improving guidance quality while managing processing load through selective detail provision

Inventive Principle:

Principle #3Local quality

Data Source

PatentUS11017463B2Method and system for emotional intelligence via virtual reality and biometrics

Publication Date: 2021.05.25 MASTERCARD INT INC

AI summary

A method for providing recommendations based on emotional intelligence includes: storing an account profile including a structured data set related to a transaction account including an account identifier, a budget restriction, and baseline biometric characteristics; receiving transaction data related to a proposed transaction including transactional information non-compliant with the budget restriction; receiving current biometric characteristics of an individual associated with the proposed transaction; determining impulsiveness of the proposed transaction based on a comparison of the baseline biometric characteristics to the current biometric characteristics; and transmitting a transaction recommendation based on the determined impulsiveness, wherein the recommendation is to proceed with the proposed transaction if the proposed transaction is determined to not be impulsive, and the recommendation is to not proceed with the proposed transaction if the proposed transaction is determined to be impulsive.