Facial Recognition In-Store Payment Authentication
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Solution Overview
Problem
Conventional electronic payment systems for in-store transactions are often inconvenient and cumbersome, requiring users to manually place their mobile devices near a checkout terminal or unlock specific applications, which slows down the payment process compared to cash or card-based transactions.
Innovation Solution
A facial recognition-based payment system that captures a user's image at a checkout location, matches it with a stored profile, and sends a confirmation request to their mobile device for authorization, providing a secure and efficient two-factor authentication process.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If NFC protocols are used for electronic payment transactions, then security is improved, but ease of operation deteriorates due to requiring precise device placement and additional authentication steps
Solution Approach 1:
The patent replaces the mechanical NFC proximity-based authentication system with an optical facial recognition system. Instead of requiring physical placement of a mobile device near a terminal, the system captures facial images optically and processes them through recognition algorithms, eliminating the need for precise mechanical positioning while maintaining security through biometric verification.
Solution Approach 2:
The system enables self-service payment by automatically capturing facial images and performing recognition without requiring users to manually initiate the payment process. The facial recognition system autonomously identifies the user and triggers the payment workflow, reducing the number of manual steps users must perform compared to traditional NFC methods.
2Reliability
If manual application unlocking and navigation is required for payment transactions, then security is improved, but productivity deteriorates due to increased transaction time
Solution Approach 1:
The system performs preliminary authentication by capturing and processing facial recognition data before the user needs to complete the transaction. By pre-identifying the user through facial recognition, the system eliminates the need for post-capture application unlocking and navigation, significantly reducing transaction time while maintaining security through prior biometric verification.
3Reliability
If precise device placement near checkout terminal is required, then security is improved, but ease of operation deteriorates due to difficulty in positioning
Solution Approach 1:
The patent replaces the mechanical proximity-based NFC system with an optical facial recognition system that has no precise positioning requirements. The optical capture device can acquire facial images from a range of distances and angles, eliminating the need for users to learn and execute precise device placement procedures while maintaining security through biometric verification.
Data Source
AI summary
The present disclosure relates to systems, methods, and devices for facial recognition identification for in-store payment transactions. In particular, a payment system allows a user to engage in a payment transaction with a merchant to purchase goods or services at an in-store checkout location. For example, one or more implementations involve receiving a payment request to initiate an in-store payment transaction between a user and a merchant, the payment request including an image of the user. One or more embodiments identify a payment account for the user based on the image and send a payment confirmation request to a client device of the user. Additionally, one or more embodiments process the in-store payment transaction based on a confirmation response received from the client device.