Biometric Payment Registration Using Provisional Deposit Authentication
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Solution Overview
Problem
The reluctance to register personal information and payment information for biometric authentication services hinders the spread of such technologies due to user concerns about data security and privacy.
Innovation Solution
A system and method that allows users to register provisional biometric information and a deposit amount, enabling biometric authentication for payment services, with controlled usage based on authentication success and predefined conditions, allowing for deferred payment without full upfront registration.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If users register personal information and payment information for biometric authentication services, then the service functionality is improved, but user concern about data security increases and registration promotion is hindered
Solution Approach 1:
The patent segments the registration process into two distinct stages: provisional registration (with minimal information and deposit) and definitive registration (with complete information). This segmentation allows users to access basic services immediately while deferring the decision to provide sensitive personal and payment information, thereby reducing initial security concerns while maintaining service functionality.
Solution Approach 2:
The system performs preliminary authentication and service setup using only biometric information and a deposit amount before requiring complete personal and payment information. This preliminary action enables users to experience the service benefits early, reducing their security concerns by demonstrating trustworthiness before full data collection.
2Reliability
If users register complete personal information and payment information, then payment service reliability is improved, but registration complexity and user reluctance increase
Solution Approach 1:
The registration process is divided into provisional registration (simple, with deposit) and definitive registration (complete, with full information). This segmentation reduces perceived complexity by allowing users to start with a simple process and only complete the fuller registration when they choose to do so.
Solution Approach 2:
The system accepts partial registration information (biometric data and deposit amount) sufficient for basic service operation, rather than requiring complete information upfront. This partial action approach maintains payment reliability through the deposit mechanism while reducing registration complexity barriers.
3Reliability
If the system requires full upfront registration of personal and payment information, then payment security is improved, but user accessibility and service spread are hindered
Solution Approach 1:
The system segments user access into two tiers: provisional users (biometric + deposit only) with immediate access to basic services, and definitive users (complete registration) with full service access. This segmentation maintains payment security through the deposit requirement while dramatically improving ease of operation and user accessibility.
Solution Approach 2:
The system performs preliminary setup with minimal information requirements, allowing users to access services before complete registration. The deposit amount serves as preliminary security assurance, enabling accessible service delivery while maintaining security standards.
4Productivity
If the system accepts provisional registration with deposit amount, then user registration promotion is improved, but payment information completeness is reduced
Solution Approach 1:
The system segments information collection into essential minimal data (biometric + deposit) for immediate service access, and optional complete data (personal + payment information) for enhanced service features. This segmentation drives registration promotion by lowering barriers while preserving the option for complete information collection.
Solution Approach 2:
The system accepts partial payment information (deposit amount) as sufficient for basic service operation and user registration promotion. This partial information approach enables widespread adoption while the system maintains the capability to collect complete payment information when users choose definitive registration.
Data Source
AI summary
An authentication information management device includes: an acquisition unit configured to acquire a provisional registration request including first biometric information of a user and a deposit amount; a registration unit configured to register provisional registration information in which a payment balance based on the deposit amount included in the provisional registration request has been associated with the first biometric information; an authentication control unit configured to control first biometric authentication using the first biometric information for second biometric information in response to a payment request including the second biometric information and a payment amount; a payment unit configured to pay the payment amount using the payment balance associated with the first biometric information in a case in which the first biometric authentication has succeeded; and a usage control unit configured to control a use of the provisional registration information.