Biometric Authentication Platform for Secure Payment Transactions

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Solution Overview

Problem

Existing payment transaction systems face inefficiencies and inaccuracies in verifying account owners, particularly when using payment cards at ATMs or POS devices, as they often require manual interventions and are prone to errors, especially in multiple transactions across various locations.

Innovation Solution

An automated authentication platform that utilizes biometric data, such as fingerprint and palm vein information, in conjunction with payment account databases to generate payment authorization messages, ensuring secure and efficient identification of account owners through a multi-factor authentication system.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If manual verification methods (PIN entry, ID presentation) are used at ATMs or POS devices, then account owner verification can be performed, but the process becomes time-consuming, error-prone, and expensive especially when substantial numbers of transactions occur across many locations

Engineering Contradiction:

Improveverification accuracyVSAvoidtransaction processing time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The patent replaces manual mechanical verification processes (PIN entry, ID presentation, human judgment) with automated biometric authentication systems. Fingerprint sensors, facial recognition cameras, or iris scanners automatically capture and verify account owner identity without requiring manual intervention, thereby reducing both time and error rates while maintaining or improving verification accuracy

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The system enables self-service authentication where the account owner's biometric characteristics serve as their own verification mechanism. The biometric data inherently proves identity without requiring the user to manually present external credentials or answer security questions, making the process both faster and more reliable

Inventive Principle:

Principle #25Self-service

2Reliability

If additional verification steps (PIN entry, ID presentation) are implemented to improve security, then account owner identification becomes more accurate, but the complexity of the transaction process increases

Engineering Contradiction:

Improveaccount owner identification accuracyVSAvoidtransaction process complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent extracts the verification function from multiple separate components (payment card, PIN, ID) and consolidates it into a single biometric authentication step. This extraction eliminates the need for users to manage and present multiple verification items, reducing process complexity while maintaining high identification accuracy through the inherent uniqueness of biometric data

Inventive Principle:

Principle #2Taking out (Extraction)

Solution Approach 2:

The biometric authentication system serves multiple verification functions simultaneously - it authenticates identity, verifies account ownership, and can even detect fraud attempts through analysis of biometric quality metrics. This multi-functionality replaces several separate verification mechanisms with a single universal authentication method

Inventive Principle:

Principle #6Universality (Multi-functionality)

3Reliability

If payment cards are required for transactions, then account ownership can be verified, but convenience is reduced for account owners who do not want to carry wallets or purses

Engineering Contradiction:

Improveaccount ownership verificationVSAvoidtransaction convenience

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The patent replaces the physical payment card mechanism with a biometric authentication system. Instead of requiring users to carry and present a physical card, the system captures biometric data (fingerprint, facial features, iris pattern) that is inherently tied to the user's body, eliminating the need to carry wallets or purses while maintaining reliable account ownership verification

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The system creates a digital copy of the user's biometric characteristics and stores it for verification purposes. This digital biometric template serves the same function as a physical payment card but without the drawbacks of portability and loss, allowing contactless and wallet-free transactions while maintaining secure verification

Inventive Principle:

Principle #26Copying

Data Source

PatentUS11216642B2Simultaneous multi-factor authentication systems and methods for payment transactions

Publication Date: 2022.01.04 MASTERCARD INT INC

AI summary

According to some embodiments, an authentication server may receive first and second biometric user data from a writing device. The writing device may, according to some embodiments, have a plurality of spatially alternating sensors, including a plurality of sensors of a first type to read the first biometric user data and a plurality of sensors of a second type to read the second biometric user data. The authentication server may also receive a user identifier input by the user via the writing device and verify that the first and second biometric user data are consistent with the user and that the user has a payment account associated with the user identifier input. The authentication server may then determine a payment identifier associated with payment account and transmit a payment authorization indication associated with the determined payment identifier.