Biometric Payment Device Security Chip Verification
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Solution Overview
Problem
Current payment systems rely on signature and PIN verification methods that are not highly secure for confirming user identities before authorizing transactions, especially for distributing benefits like payments or social assistance, which can lead to fraud and unauthorized access.
Innovation Solution
Integration of biometric sensors, such as fingerprint scanners, into payment devices with security chips that verify users through biometric data before allowing transactions, ensuring secure identity confirmation without modifying conventional terminal interactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If biometric sensors are integrated into payment devices, then user identity verification security is improved, but device complexity increases
Solution Approach 1:
The patent combines biometric sensors, security chips, and payment processing components into a single integrated payment device. The biometric sensor captures user biometrics, the security chip verifies the biometric data against stored templates, and the payment processing occurs within the same device, eliminating the need for separate verification systems and reducing overall system complexity despite adding biometric functionality.
Solution Approach 2:
The security chip acts as an intermediary component that mediates between the biometric sensor and the payment processing system. It securely stores biometric templates, performs verification operations, and controls access to payment functions based on verification results, thereby managing the complexity of integrating biometric authentication into the payment device.
2Reliability
If biometric verification is implemented before transactions, then fraud reduction is improved, but transaction processing time increases
Solution Approach 1:
The system performs biometric verification as a preliminary action before authorizing transactions. The security chip compares captured biometric data against stored templates in advance, and only after successful verification does it enable payment processing. This preliminary verification prevents fraud while keeping the actual transaction processing fast once authentication is complete.
Solution Approach 2:
The patent replaces traditional mechanical verification methods (such as signature collection or PIN entry) with biometric verification. Biometric authentication occurs automatically through sensor capture and cryptographic comparison, eliminating the need for manual verification steps and reducing the time users spend on authentication while maintaining or improving security.
3Ease of operation
If conventional terminal interactions are maintained, then ease of operation is improved, but adaptability to new biometric technology decreases
Solution Approach 1:
The payment device is designed with multi-functionality, supporting both traditional payment operations and biometric verification. The device can operate in conventional modes compatible with existing terminals while also performing biometric authentication, allowing it to adapt to different usage scenarios and terminal types without requiring users to learn new interaction patterns.
Solution Approach 2:
The biometric verification process is designed to be self-service, where the user simply places their finger or presents their biometric trait to the sensor, and the system automatically captures, verifies, and processes the authentication. This eliminates the need for users to manually input data or interact with complex verification interfaces, maintaining ease of operation while integrating advanced biometric technology.
Data Source
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AI summary
Systems and methods for verifying users in connection with transactions using payment devices are disclosed. One exemplary method generally includes receiving a select command for an AID associated with a payment application from a terminal and, in response, initiating by a security chip of a payment device, a timer after power-up of the security chip by the terminal. The method also includes capturing a biometric of a user, at a biometric sensor, according to the payment application, and verifying, by the security chip, the captured biometric based on reference biometric data. The method further includes, when the timer is unexpired and the captured biometric is verified, appending a first value to a CVR and returning a first AFL to the terminal, and when the timer is expired, appending a different value to the CVR and returning a different AFL to the terminal.