Biometric Pre-authorization for Touchless Payment Security
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Solution Overview
Problem
Current wireless payment systems require customers to manually interact with their mobile devices, disrupting the business/customer interaction, lack sufficient security, and are not compatible with existing business methodologies, while also causing inconvenience due to pre-authorizations that unnecessarily hold funds.
Innovation Solution
A system and method using biometric scanning on wireless mobile devices for predictive pre-authorization of transactions, allowing payment facilitation devices to detect and verify registered mobile devices, generate pre-authorization amounts, and automatically deduct payments without requiring customers to handle their devices, integrating with a payment processing server for secure and seamless transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If manual mobile device interaction is required for payment authorization, then payment security is improved, but customer interaction quality deteriorates
Solution Approach 1:
The patent replaces manual mechanical interaction with mobile devices with automated optical biometric verification. The payment facilitation device captures images of the customer and uses automated image recognition to verify identity and authorize payments, eliminating the need for customers to manually操作 their devices while maintaining security through biometric verification.
Solution Approach 2:
The system enables self-service payment authorization where the customer's biometric data (face or fingerprint) automatically verifies their identity and authorizes the transaction without requiring them to manually interact with their mobile device. The payment facilitation device independently completes the authorization process by comparing captured biometric data against stored templates.
2Reliability
If traditional pre-authorization is used, then transaction security is improved, but customer convenience deteriorates due to unnecessary fund holds
Solution Approach 1:
The patent changes the pre-authorization amount parameter from a fixed, conservative estimate to a dynamically calculated amount based on the actual transaction details. The system calculates the precise amount needed for the current transaction and only holds that specific amount in the customer's account, rather than blocking excessive funds, thereby maintaining security while improving convenience.
3Reliability
If biometric verification is integrated into the payment flow, then payment security is improved, but system complexity increases
Solution Approach 1:
The patent merges the biometric verification function directly into the payment facilitation device, combining what would traditionally be separate systems (biometric scanner and payment processor) into a single integrated device. This consolidation reduces overall system complexity while maintaining enhanced security through biometric verification.
Data Source
AI summary
A system and method for predictive pre-authorization of transactions using biometrics which uses wireless mobile devices and biometric scanning to automatically predict pre-authorized transaction amounts in a secure manner without requiring the customer to handle his or her mobile device. The system and method uses a payment facilitation device at the business location which automatically detects and recognizes registered mobile devices, displays a photo of the customer to a business employee for identity confirmation, verifies the customer with a biometrics verification database, generates a pre-authorization amount with an authorization generator, and automatically deducts payments for purchases from a pre-authorized customer account.