Biometric Payment Card with Integrated Security Chip
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Existing payment systems lack efficient and secure methods for verifying users based on biometrics before authorizing transactions or distributing benefits.
Innovation Solution
Integration of biometric sensors, such as fingerprint sensors, into payment devices, which interact with security chips to verify users through biometric data comparison, allowing transactions to proceed securely.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If biometric sensors are integrated into payment devices for user verification, then security and verification reliability are improved, but device complexity increases
Solution Approach 1:
The patent combines the biometric sensor and security chip into a single integrated payment device, allowing the sensor to capture biometric data and the chip to process verification locally within the same device. This merging approach improves verification reliability while limiting the increase in device complexity to only the payment device itself, not the entire payment system.
Solution Approach 2:
The security chip acts as an intermediary between the biometric sensor and the payment terminal. It captures biometric data from the sensor, processes the verification locally, and communicates with the terminal, thereby simplifying the overall system architecture and reducing the complexity burden on other system components.
2Reliability
If biometric verification is implemented before transactions, then transaction security is improved, but the time required for verification increases
Solution Approach 1:
The biometric data is captured and processed in advance before the transaction is authorized. The security chip performs the verification locally and quickly, so that by the time the transaction request reaches the payment terminal, the verification is already complete, minimizing the time added to the transaction process.
Solution Approach 2:
The patent replaces traditional mechanical verification methods (such as manual signature checking or PIN entry) with automated biometric sensing and local processing. This substitution significantly reduces verification time while enhancing security, as biometric verification can be performed rapidly without human intervention.
3Adaptability or versatility
If conventional payment terminal behavior is maintained with minimal modifications, then system compatibility is improved, but the ability to support biometric verification is reduced
Solution Approach 1:
The patent extracts the biometric verification functionality from the payment terminal and relocates it to the payment device itself. The security chip handles all biometric processing locally, so the terminal only needs to receive the verification result and proceed accordingly. This extraction maintains terminal compatibility while enabling biometric verification.
Solution Approach 2:
The payment device performs self-verification using its integrated biometric sensor and security chip. The device autonomously captures biometric data, processes verification locally, and communicates the result to the terminal without requiring complex terminal modifications. This self-service approach preserves system compatibility while adding biometric capability.
Data Source
AI summary
Systems and methods for verifying users in connection with transactions are disclosed. One exemplary method includes, based on the payment card device being presented at a terminal, initiating, by a security chip of the payment card device, a timer and then based on the timer being unexpired, capturing, by a biometric sensor of the payment card device, a biometric image and verifying, by the security chip, the captured biometric image against reference biometric data stored the payment card device. The method also includes, based on the captured biometric image being verified, cooperating, by the security chip, with the terminal, to initiate a transaction to an account using a first account number specific to a biometric application of the payment card device.