Facial Recognition Face-to-Face Payment System
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Solution Overview
Problem
Current mobile payment methods lack a convenient and secure way for users to make face-to-face payments directly to individuals, especially in situations where both parties are present, without the need for physical cards or digital wallets.
Innovation Solution
A mobile device system that captures a facial image of the payee, uses facial recognition to retrieve an identifier, and initiates a payment from the user's financial account based on displayed payment recipient information, enabling augmented reality-assisted face-to-face transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If traditional mobile payment methods (SMS, web pages, digital wallets) are used, then payment functionality is achieved, but the process requires physical cards, digital wallets, or multiple steps reducing convenience and speed
Solution Approach 1:
The patent replaces traditional mechanical payment methods (physical cards, digital wallets requiring manual opening) with facial recognition technology. The system captures a facial image of the payee, extracts facial features, and automatically identifies the payee without requiring the user to manually select or input recipient information, significantly reducing the steps and time needed for payment.
Solution Approach 2:
The system enables self-service payment by automatically identifying the payee through facial recognition and retrieving their information from a registered payee list without requiring user intervention for recipient selection. The payment process becomes automated once the user points the camera at the payee, eliminating the need for manual card insertion, wallet opening, or recipient search.
2Productivity
If facial recognition technology is implemented for automatic payee identification, then payment speed and convenience are improved, but system complexity increases
Solution Approach 1:
The patent segments the payment system into distinct functional modules: a camera module for capturing facial images, a processor module for extracting facial features and identifying payees, a memory module for storing registered payee information, and a display module for showing payment details. This segmentation allows each component to perform its specific function independently, making the overall complex system more manageable and easier to implement.
Solution Approach 2:
The mobile device serves multiple functions: it acts as the payment initiation device, the facial recognition device, the information storage device, and the display device. By making the mobile device universal for these purposes, the patent avoids adding separate dedicated hardware for each function, thereby managing system complexity while achieving high processing speed.
3Reliability
If facial image capture and recognition are used for payment, then security and identity verification are improved, but the requirement for live facial capture adds operational steps
Solution Approach 1:
The patent replaces traditional security methods (requiring users to manually input PINs, passwords, or card information) with automated facial recognition. The system captures a live facial image, extracts facial features, and verifies the payee's identity automatically, providing strong security while maintaining ease of operation through simple camera pointing.
Solution Approach 2:
The system provides immediate feedback by displaying the captured facial image and extracted facial features on the mobile device screen, allowing the user to verify that the correct payee is being identified before completing the payment. This feedback mechanism enhances security by confirming identity while maintaining operational simplicity through automatic verification.
Data Source
AI summary
A method for making a payment using a mobile device. The method includes capturing a facial image of a payee using a camera of the mobile device, wherein the payment is due from the user of the mobile device to the payee, retrieving an identifier of the payee based on the facial image, retrieving payment recipient identification information of the payee from a registered payee list based on the identifier, displaying, on the mobile device, a composite image comprising the facial image of the payee and the payment recipient identification information of the payee, receiving an input from the user authorizing the payment from a financial account of the user to the payee, and initiating the payment from the financial account to the payee based on the payment recipient identification information.