Biometric Payment Authentication Retrofit Module
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Solution Overview
Problem
Existing payment systems require physical presence of credit/debit cards or mobile devices, leading to risks of loss, theft, and inconvenience, and lack interoperability across different platforms, necessitating equipment replacement for upgrades.
Innovation Solution
A biometric authentication system using facial and iris recognition, integrated with a retrofit module for existing POS terminals, enabling secure and seamless transactions without physical cards, and allowing compatibility across various platforms.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If physical credit/debit cards are required for payment, then card reading and transaction processing can be performed, but the risk of card loss, theft, and compromise increases
Solution Approach 1:
The patent extracts the payment authentication function from the physical card itself and relocates it to the user's body through biometric features (fingerprint, facial recognition, iris scan). The card becomes merely a payment instrument while the authentication credential is embedded in the user's biology, eliminating the risk of card loss or theft compromising security.
Solution Approach 2:
The patent replaces the mechanical card-swiping or card-present system with a biometric authentication system using optical (facial recognition, iris scan) or capacitive (fingerprint) sensing. This substitution eliminates the physical card handling process and its associated risks while maintaining payment authorization capabilities.
2Ease of operation
If mobile payment applications are used, then physical card presence is eliminated, but the user must manually open the phone and enable the application which is cumbersome
Solution Approach 1:
The patent implements self-service by having the payment terminal automatically detect and initiate the payment process when the user approaches with their biometric feature. The system autonomously captures the biometric data, processes authentication, and completes the transaction without requiring the user to manually open their phone, navigate to the payment app, or perform any activation steps.
Solution Approach 2:
The patent performs preliminary action by pre-configuring the payment system to automatically recognize and authenticate the user upon approach. The biometric scanning and authentication processes are initiated automatically before the user even intends to pay, eliminating the need for manual app activation and reducing the time required for the transaction.
3Reliability
If different biometric processing systems are used across platforms, then each system can be optimized for its specific requirements, but compatibility and interoperability are lost
Solution Approach 1:
The patent implements a universal biometric authentication system where a single payment terminal can process multiple biometric modalities (fingerprint, facial recognition, iris scan) and multiple payment methods (credit cards, mobile payments) through one integrated interface. This multi-functional design allows the system to adapt to different users and platforms while maintaining consistent authentication accuracy and security standards.
Data Source
AI summary
The present invention relates to a method and apparatus for biometric identification for use in connection with a payment or transaction based system, a stand alone and retrofit module for carrying out the same.