Biometric Payment System Multi-Card Destination Selection
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Solution Overview
Problem
Existing biometric authentication payment systems limit customers to using only store-issued credit cards, restricting their payment destination choices and failing to accommodate multiple credit card types and situations.
Innovation Solution
A biometric authentication payment system that includes a biometric information acquisition device, a reception section for designating payment systems, a transmission section for sending biometric information and payment amounts, an authentication section for verifying payments, and a payment section for processing payments, allowing customers to select from multiple credit card companies and store systems.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If biometric authentication is used for payment, then payment convenience is improved, but payment destination flexibility deteriorates
Solution Approach 1:
The biometric authentication system is designed to work across multiple payment destinations including credit card companies and store systems. The authentication result can be utilized by different payment systems (301, 302, 303) without requiring separate authentication processes, making the system universally applicable while maintaining payment convenience and destination flexibility simultaneously
2Reliability
If a single store-issued credit card system is used, then authentication security is improved, but customer choice freedom deteriorates
Solution Approach 1:
The payment system is segmented into multiple independent payment destinations (credit card companies 301, 302 and store system 303), each maintaining their own authentication databases. This allows customers to choose different payment destinations while each system maintains its own security standards, thus preserving both authentication security and customer choice freedom
Data Source
AI summary
In payment using biometric authentication, a customer-friendly technology with a high degree of freedom for customers to select a payment destination is provided. The present invention provides a biometric authentication payment system including: a biometric information acquisition device that acquires biometric information of a customer; a reception section that receives designation of a payment system of a payment destination; a transmission section that transmits the biometric information and a payment amount to the payment system; an authentication section that performs authentication using the transmitted biometric information, and a payment section that performs the payment of the payment amount when the authentication result is successful in authentication, and when a payment destination is designated.