Biometric Settlement Terminal Security via Facial Authentication
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Solution Overview
Problem
Current settlement systems for retail transactions face security risks due to the vulnerability of password-based identity verification methods, particularly in scenarios where visually impaired individuals may struggle with recognizing randomly arranged numeric keys.
Innovation Solution
A settlement system incorporating a portable terminal with biometric authentication capabilities, such as fingerprint comparison, that communicates with a settlement terminal to perform identity verification via short-range communication protocols like NFC or Bluetooth, allowing for secure transaction completion only if biometric verification is successful.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If password-based identity verification is used at the settlement terminal, then the customer can complete the transaction, but the security risk increases due to potential password theft
Solution Approach 1:
The patent replaces the mechanical/password-based verification system with a biometric authentication system. The settlement terminal uses a camera to capture the customer's facial image and compares it with pre-registered biometric data, eliminating the need for password input and thereby removing the security vulnerability of password theft while maintaining reliable transaction verification
2Reliability
If numeric keys are arranged randomly on the touch panel to prevent password theft, then security is improved, but visually impaired customers cannot perform identity verification
Solution Approach 1:
The patent replaces the mechanical numeric key input system with a biometric recognition system that uses facial image capture and comparison. This substitution eliminates the need for physically locating and pressing numeric keys, thereby maintaining security while making the verification process accessible to visually impaired customers who can simply present their face to the camera
3Reliability
If biometric authentication is implemented using short-range communication, then security and accessibility are improved, but the device complexity increases
Solution Approach 1:
The patent implements a self-service biometric authentication system where the customer's portable terminal automatically performs facial image capture and biometric verification without requiring manual operation. The system leverages the portable terminal's existing camera and biometric authentication capabilities, allowing it to self-verify the customer's identity and communicate the result to the settlement terminal via short-range communication, thereby achieving enhanced security and accessibility without proportionally increasing overall system complexity
Data Source
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AI summary
A settlement system includes a settlement terminal to receive settlement amount information and perform a settlement for receiving a payment and a portable terminal with a biometric authentication function. The settlement terminal has an interface for receiving the settlement amount information, a first short-range communication unit, and a first control unit to control the first short-range communication to request a biometric identity verification by the portable terminal. The portable terminal has a second short-range communication unit and a second control unit configured to cause the biometric authentication function to be performed, and respond to the request for the biometric identity verification via the second short-range communication unit with an identity verification signal. The first control unit completes the settlement operation if the identity verification signal indicates the biometric identity verification was successful and not otherwise.