Facial Recognition Mobile Payment Authorization
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Solution Overview
Problem
Credit card fraud, including theft and falsification of NFC-capable mobile devices, remains a prevalent issue due to the lack of effective verification methods at point-of-sale transactions.
Innovation Solution
A system utilizing facial recognition technology on NFC-enabled mobile devices, which captures and compares facial images with pre-verified profiles stored in financial institution databases to authenticate users before authorizing mobile payments, thereby preventing unauthorized transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If manual photo ID verification is implemented at POS, then fraud detection capability is improved, but operation complexity and time consumption increase
Solution Approach 1:
The patent replaces manual mechanical verification (employee visually comparing photo ID with purchaser) with automated biometric verification systems (facial recognition, fingerprint scanning). This substitution maintains high fraud detection capability while eliminating the operational complexity and time consumption of manual verification processes.
Solution Approach 2:
The patent implements self-service verification where the consumer's biometric data is automatically captured and verified by the system without requiring employee intervention. The biometric sensor automatically captures facial images or fingerprints, and the system autonomously compares them with stored data, eliminating the need for employees to manually study and compare identification documents.
2Productivity
If NFC payment without authentication is used, then transaction speed is improved, but security against theft and falsification deteriorates
Solution Approach 1:
The patent performs authentication actions before the actual payment transaction. Biometric verification is conducted in advance, and only after successful verification is the payment authorized. This preliminary authentication maintains transaction speed by pre-validating the user's identity while preventing theft and falsification through secure biometric verification.
Solution Approach 2:
The patent introduces biometric verification as an intermediary layer between the NFC payment initiation and the actual transaction completion. This intermediary authentication mechanism verifies the user's identity through biometric data comparison, preventing unauthorized transactions while maintaining the speed of NFC communication.
3Reliability
If biometric verification is implemented, then security against identity theft is improved, but device and system complexity increases
Solution Approach 1:
The patent implements multi-functional integration where the mobile device combines NFC payment capabilities with biometric verification functions in a single system. The same mobile device that stores payment information also captures and transmits biometric data, eliminating the need for separate verification devices and reducing overall system complexity.
Solution Approach 2:
The patent merges the payment authentication process with the payment transaction process itself. The biometric verification is integrated into the NFC payment flow, where the mobile device simultaneously handles payment information transmission and biometric data verification, reducing the number of separate system components needed.
Data Source
AI summary
A method to authorize a mobile payment for a transaction. The method includes receiving a facial image of a consumer who requests the mobile payment for the transaction using account information stored in a mobile device of the consumer, wherein the facial image is provided by a point-of-sale (POS) device while initiating the transaction on behalf of the consumer, receiving a verified facial image of an account holder, comparing the facial image of the consumer and the verified facial image of the account holder based on a pre-determined criterion to verify the consumer as the account holder, generating, in response to verifying the consumer as the account holder, an authorization of the mobile payment based on the account information, and sending the authorization to the POS device to complete the transaction.