Biometric Transaction Processing for Integrated Payment and Receipts

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Solution Overview

Problem

Conventional transaction processing systems require users to perform cumbersome operations such as inputting biometric data and displaying barcodes for electronic receipt services, increasing the time and effort required for transactions.

Innovation Solution

A transaction processing system that includes a user terminal for inputting biometric data, an authentication server for verifying the user, a payment server for processing payments, and a receipt server for managing transaction information, thereby streamlining the authentication and payment processes.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If biometric authentication is performed using conventional transaction processing systems, then authentication can be achieved, but users must perform cumbersome operations of inputting biometric data and displaying barcodes, increasing time and effort

Engineering Contradiction:

Improveauthentication accuracyVSAvoiduser operation complexity

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The system enables self-service authentication by capturing biometric data automatically without requiring user input operations. The biometric acquisition unit captures images or data directly, and the authentication server processes this data to identify the user, eliminating the need for manual biometric data entry while maintaining authentication reliability

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The system performs preliminary actions by pre-registering biometric data during user registration. The biometric data is captured, stored, and processed in advance to create authentication templates. During actual transactions, this pre-prepared data enables rapid verification without requiring users to perform complex operations at the point of use

Inventive Principle:

Principle #10Preliminary action

2Adaptability or versatility

If conventional transaction processing systems are used with electronic receipt services, then payment processing is available, but users must perform additional operations of displaying and reading barcodes, increasing time and effort

Engineering Contradiction:

Improveservice functionalityVSAvoidtransaction processing time

Core Design Contradiction:

Adaptability or versatilityVSLoss of time

Solution Approach 1:

The system merges authentication and payment processing into a unified workflow. The authentication server identifies the user through biometric data, and the payment server automatically retrieves payment information and processes the transaction using the same user identification, eliminating the need for separate barcode display and reading operations

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The system implements multi-functionality where the biometric authentication mechanism serves multiple purposes: user identification, payment authorization, and electronic receipt generation. This universal approach allows a single authentication action to trigger the entire transaction process including payment and receipt issuance, reducing overall transaction time

Inventive Principle:

Principle #6Universality (Multi-functionality)

Data Source

PatentUS12423701B2Transaction processing system and transaction processing method

Publication Date: 2025.09.23 TOSHIBA TEC KK

AI summary

In accordance with an embodiment, a transaction processing system includes a user terminal, an authentication server, a payment server, and a receipt server. The receipt server manages receipt information regarding a transaction paid for by the payment server in association with a user's identifier acquired by the authentication server on the basis of biometric data input by the user terminal.