Fingerprint Input Module Payment Card Transaction Verification

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Solution Overview

Problem

Current payment card systems face security threats such as POS-related frauds and card theft, where cardholders lack control over transaction amounts entered by merchants, especially in scenarios where the cardholder is not present or visually impaired, and PINs are vulnerable to hacking.

Innovation Solution

Incorporating a fingerprint input module in payment cards that allows customers to verify transaction amounts by providing a fingerprint tap input, which is compared to stored fingerprints to ensure the merchant-entered amount matches the customer-approved amount, thereby facilitating secure payment transactions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional PIN-based security is used for payment cards, then ease of operation is maintained, but security reliability deteriorates due to vulnerability to hacking and inability to verify transaction amounts

Engineering Contradiction:

ImprovesecurityVSAvoidoperation convenience

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The patent replaces the traditional PIN-based security system with a biometric fingerprint recognition system. The fingerprint sensor captures the cardholder's fingerprint, and the system verifies the fingerprint against stored templates to authenticate the user and verify transaction amounts, substituting mechanical/PIN-based authentication with biological characteristic-based authentication.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Reliability

If fingerprint verification is added to payment cards, then security is improved, but device complexity increases

Engineering Contradiction:

ImprovesecurityVSAvoidsystem complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The payment card system is enhanced to perform multiple functions: traditional payment processing, user authentication via fingerprint recognition, and transaction amount verification. The single payment card now serves as both a payment instrument and a biometric authentication device, reducing the need for separate security devices.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The fingerprint sensor and verification system are integrated within the existing payment card infrastructure. The biometric authentication module is nested within the payment card system, utilizing the card's existing communication protocols and processing capabilities, rather than requiring a completely separate system.

Inventive Principle:

Principle #7Nested doll (Nesting)

3Reliability

If cardholders are required to verify transaction amounts, then fraud is reduced, but loss of time occurs due to additional verification steps

Engineering Contradiction:

Improvefraud preventionVSAvoidtransaction time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system performs preliminary fingerprint verification and transaction amount confirmation before the actual payment is processed. By verifying the cardholder's identity and the transaction amount in advance through fingerprint authentication, the system prevents fraudulent transactions from completing, saving time in the long run by avoiding chargebacks and fraud investigations.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The fingerprint verification process is designed to be rapid, capturing and comparing fingerprints in seconds. The system rushes through the authentication process efficiently by using fast fingerprint matching algorithms and pre-stored fingerprint templates, minimizing the additional time required while maintaining security.

Inventive Principle:

Principle #21Skipping (Rushing through)

Data Source

PatentUS11455634B2Payment transaction methods and systems enabling verification of payment amount by fingerprint of customer

Publication Date: 2022.09.27 MASTERCARD INT INC

AI summary

Embodiments provide a method of facilitating a payment transaction with a payment card of a customer. The method includes receiving a payment transaction request initiated at a merchant terminal. The payment transaction request comprises a merchant transaction amount associated with a purchase entered at the merchant terminal and a fingerprint tap input provided by the customer on a fingerprint input module, the fingerprint tap input indicative of a customer transaction amount associated with the purchase. The method includes facilitating verification of a fingerprint obtained from the fingerprint tap input of the customer by comparing with stored fingerprint of the customer. The method further includes, upon successful verification, determining whether the merchant transaction amount conforms to the customer transaction amount obtained from the fingerprint tap input. The method further includes facilitating the payment transaction associated with the payment transaction request if the merchant transaction amount conforms to the customer transaction amount.