Biometric Payment System with RF Detection and Identity Verification
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Current electronic payment methods are inconvenient and complex, particularly for users carrying items like babies, as they require manual scanning or code generation, which can be cumbersome and time-consuming.
Innovation Solution
The method involves receiving RF signals from terminal devices, selecting a target payment device, collecting biometric features, and performing identity verification to facilitate hands-free payment through a server, simplifying the payment process and enhancing user experience.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If manual scanning or code generation is used for electronic payment, then payment security can be maintained, but payment convenience and speed deteriorate
Solution Approach 1:
The system performs preliminary actions by automatically detecting the user and pre-authorizing payment before reaching the payment step. The detection device identifies users through biometric features (face, fingerprint, iris) in advance, and the system pre-approves payments within a preset amount range, so that when the user reaches the payment point, the transaction is already completed or near-completed, eliminating the need for manual scanning or code generation.
Solution Approach 2:
The payment system performs self-service by automatically completing the payment process without requiring user intervention. The detection device autonomously identifies the user, the server autonomously verifies payment eligibility, and the system autonomously executes the transaction. The user simply needs to be present in the detection area, and the system handles all payment operations automatically, including selecting payment methods and completing the transfer.
2Productivity
If automated detection and biometric verification are implemented, then payment speed and convenience are improved, but system complexity increases
Solution Approach 1:
The system is segmented into distinct functional modules: a detection device for biometric identification, a server for verification and payment processing, and a payment execution module. Each module performs a specific function - the detection device captures biometric data, the server verifies identity and checks payment eligibility, and the execution module completes the transaction. This segmentation allows complex functionality to be distributed across multiple components, making the overall system more manageable and maintainable.
Solution Approach 2:
The server acts as an intermediary between the detection device and the payment execution module. It receives detection results, verifies user identity against stored information, checks payment eligibility, and then instructs the payment execution. This intermediary layer simplifies the interaction between components by providing a centralized coordination point that handles the complex verification logic, reducing the complexity burden on individual devices.
3Ease of operation
If multiple payment methods are automatically selected and executed, then user convenience is enhanced, but verification accuracy requirements increase
Solution Approach 1:
The system performs preliminary verification of multiple payment methods before execution. The server pre-checks the eligibility of each selected payment method (balance sufficiency, account status, etc.) before the actual payment is executed. This preliminary action ensures that only verified, eligible payment methods are used, maintaining high verification accuracy while allowing the user to benefit from automatic multi-method selection and execution.
Applied Scientific Principles
This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.
Function Achieved in This Case
This approach ensures secure and convenient electronic payments by simplifying the process, allowing for hands-free transactions that are faster and more user-friendly, improving overall payment efficiency and user experience.
Implementation Method 1
receiving RF signals sent by at least one terminal device, the RF signals including at least one device identifier of the at least one terminal device
Data Source
AI summary
A service processing method includes: receiving RF signals sent by at least one terminal device, the RF signals including at least one device identifier of the at least one terminal device; selecting an RF signal from the received RF signals, and determining a terminal device corresponding to a device identifier included in the RF signal as a target payment device; collecting first biometric feature information of a user using the terminal device; and after obtaining a verification result of a verification on the user's identity based on the first biometric feature information, sending a payment request to a server if the verification is passed, wherein the payment request is configured to request for completing payment based on a payment account corresponding to the target payment device.