Biometric Transaction Processing for Card-Free Membership Payments
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Solution Overview
Problem
Users are unable to receive membership services or perform cashless transactions without a card or smartphone with installed application software, necessitating separate operations for membership registration and personal authentication.
Innovation Solution
A transaction processing system that utilizes biometric information, such as fingerprint scanning, to identify and authenticate users, associating this information with membership and settlement medium data, enabling membership services and cashless transactions without requiring physical cards or smartphones.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If biometric authentication is implemented, then user convenience is improved and physical cards are eliminated, but system complexity increases
Solution Approach 1:
The patent replaces mechanical card-based authentication systems with biometric authentication using fingerprint sensors. The fingerprint sensor captures and stores biometric data, which is then used for automatic authentication during transactions, eliminating the need for physical membership cards and smartphones while improving user convenience.
2Reliability
If separate operations for membership registration and personal authentication are required, then security is improved, but transaction time increases
Solution Approach 1:
The patent merges membership registration and personal authentication into a single integrated process. During initial registration, the user's fingerprint is captured and stored along with membership information. During subsequent transactions, the same fingerprint sensor performs both identification and authentication simultaneously, eliminating the need for separate operations and reducing transaction time while maintaining security.
Data Source
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AI summary
According to one embodiment, a transaction processing system includes a storage device configured to store membership identification information of a member and settlement medium information of the member in association with biometric information of the member. The system further includes a transaction processing device and a reading device to read biometric information from a user. The transaction processing device receives the biometric information of the user read by the reading device, acquires information from the storage device when the received biometric information of the user matches biometric information of the member stored in the storage device, and settles a transaction of the user without additional authentication if the acquired information from the storage device includes a member ID and settlement medium information.