Biometric Mobile Settlement System Resolving Checkout Congestion
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Solution Overview
Problem
In mobile settlement systems, users often face difficulties in efficiently completing transactions, particularly in retail environments, as they need to input settlement information, such as credit card details, which prolongs their stay in designated checkout areas, leading to congestion.
Innovation Solution
A mobile settlement system that incorporates biometric authentication, allowing users to select payment methods and authenticate using face or fingerprint recognition, thereby eliminating the need to manually input settlement information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users manually input settlement information (card number, security code) via mobile terminal, then payment security is improved, but transaction time increases and checkout area congestion worsens
Solution Approach 1:
The system performs preliminary actions by pre-storing settlement information (card number, security code) in the mobile terminal and pre-authenticating users through biometric verification. When checkout occurs, the system quickly retrieves pre-stored information and verifies biometric data, eliminating the need for manual input during the transaction process. This resolves the contradiction by maintaining security through pre-validated stored information while dramatically reducing transaction time.
Solution Approach 2:
The system enables self-service by allowing users to register their settlement information and biometric data once, after which the mobile terminal autonomously retrieves and uses this information for subsequent transactions. The biometric authentication system automatically verifies user identity without requiring manual intervention, enabling the terminal to complete payments independently. This resolves the contradiction by maintaining security through automated biometric verification while eliminating time-consuming manual input.
2Reliability
If users manually input settlement information at checkout, then payment authentication is improved, but checkout area crowding increases
Solution Approach 1:
The system replaces the mechanical process of manual information input with biometric authentication technology. Instead of users physically typing card numbers and security codes, the system uses fingerprint, facial, or iris recognition to automatically verify identity and retrieve settlement information. This substitution maintains strong authentication security while dramatically reducing the time each user occupies the checkout area, thereby increasing overall checkout throughput and reducing crowding.
3Ease of operation
If dedicated checkout area is installed for mobile settlement, then settlement process organization is improved, but user mobility is reduced and checkout area congestion increases
Solution Approach 1:
The system enables users to perform complete settlement operations independently through their mobile terminals without requiring dedicated checkout infrastructure. Users can initiate payments, authenticate via biometric verification, and complete transactions anywhere in the store using wireless communication. This eliminates the need for organized dedicated checkout areas while maintaining secure authentication, thereby preserving user mobility and preventing checkout area congestion.
Data Source
AI summary
According to one embodiment, a mobile terminal for a mobile settlement system for retail stores has a wireless communication unit and a storage unit storing a settlement application and additional settlement information required for at least one payment method. The terminal also has a biometric information acquisition unit for acquiring biometric information, a display screen, and a processor. The processor executes the settlement application and causes the display screen to display a payment method selection screen and receives a payment method selection. Biometric information is then acquired via the biometric information acquisition unit if the selected payment method requires the additional settlement information. The processor then acquires an authentication result for the acquired biometric information and outputs the additional settlement information stored in the storage unit to a settlement server if the authentication result indicates a successful biometric authentication.