Contactless Human Device Interface System for Gesture Payments

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Solution Overview

Problem

Current contactless payment systems using NFC technology are limited by the need for close proximity, which violates social distancing guidelines and is cumbersome due to the requirement for PIN entry and authentication processes.

Innovation Solution

A contactless human-to-device interface system that generates a user expression map to enable payments through real-time image data analysis of user gestures and gaze direction, allowing for intuitive and socially distant transactions by associating user expressions with control events.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If NFC technology is used for contactless payments, then proximity-based data transfer is enabled, but social distancing guidelines are violated due to the two-inch proximity requirement

Engineering Contradiction:
Improvedata transfer reliabilityVSAvoidsocial distancing compliance
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The patent replaces the mechanical proximity-based NFC system with an optical/image-based recognition system. Instead of requiring physical closeness for data transfer, the system uses image capturing devices to detect user expressions, gestures, and gaze direction from a distance, thereby maintaining social distancing while enabling contactless payments

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The patent introduces an intermediary image processing system that acts as a mediator between the user and the payment terminal. The system captures images of user expressions and gestures, processes them to identify control events, and triggers corresponding actions without requiring direct physical contact or close proximity, thus enabling social distancing compliance

Inventive Principle:
Principle #24Intermediary (Mediator)

2Reliability

If traditional contactless payment procedures are implemented, then payment transactions can be processed, but user interaction becomes tedious and time-consuming due to PIN entry and authentication requirements

Engineering Contradiction:
Improvepayment securityVSAvoidauthentication time
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The patent implements preliminary authentication by capturing user biometric data (facial features, eye color, gesture patterns) during an initial setup phase and storing it in a database. During actual transactions, the system quickly compares real-time captured images against the pre-stored biometric template, eliminating the need for repeated PIN entry and lengthy authentication processes while maintaining security

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system enables self-service authentication by autonomously capturing user expressions and gestures, automatically comparing them against stored biometric data, and triggering payment actions without requiring manual PIN entry or active user intervention beyond performing the predefined gesture or gaze action

Inventive Principle:
Principle #25Self-service

3Ease of operation

If user expression mapping is implemented, then intuitive gesture-based control is enabled, but system complexity increases due to real-time image processing and mapping generation requirements

Engineering Contradiction:
Improvegesture control intuitivenessVSAvoidimage processing system complexity
Core Design Contradiction:
Ease of operationVSDevice complexity

Solution Approach 1:

The patent performs preliminary user setup by guiding users through a process where they perform various gestures and expressions during an initial configuration phase. The system captures these images, processes them to identify control events, and creates a personalized user expression map that is stored for future use. This preliminary action eliminates the need for complex real-time gesture recognition during transactions

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system dynamically adapts by creating personalized user expression maps for each user based on their unique gestures, expressions, and gaze patterns. The user expression map is generated through real-time image processing during setup but then used statically during transactions, reducing ongoing processing complexity while maintaining high ease of operation

Inventive Principle:
Principle #15Dynamics

Data Source

PatentUS11587055B1Systems and methods for generating a user expression map configured to enable contactless human to device interactions
Publication Date: 2023.02.21 WELLS FARGO BANK NA
  • US11587055B1 patent drawing
  • US11587055B1 patent drawing
  • US11587055B1 patent drawing

AI summary

Systems, apparatuses, methods, and computer program products are disclosed for facilitating contactless and socially distant payments. The methods further correspond to receiving, in real-time, image data representative of at least a portion of a user body, the user body tracked by a contactless human to device interface system. The methods further include causing to display, by the contactless human to device interface system, a graphical user interface that permits the user to generate a new control event to map to the image data based, at least in part on a determination that the image data is not associated with a control event, generating an updated user expression map that identifies a mapping of the image data to the new control event, and storing the updated user expression map for access by the contactless human to device interface system.