Hands-Free Transaction Settlement via Biometric Tokenization
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Current transaction systems do not allow for hands-free transactions and fail to protect user account identities from merchant systems, requiring users to interact with their devices and provide account information, and do not enable third-party systems to settle transactions without involvement in the settlement process.
Innovation Solution
An account management system that authorizes transactions by generating payment tokens and using facial or audio recognition to verify users, allowing transactions to be settled directly between the payment processing system and the merchant without user interaction or account management system involvement.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If conventional transaction systems are used, then user account information can be processed, but user identity is exposed to merchant systems and employees
Solution Approach 1:
The patent extracts the sensitive account information from the transaction flow by introducing a token that represents the account without containing the actual account details. The token is generated by the account management system and used in place of the real account number during transactions, effectively removing the sensitive information from exposure to merchant systems.
Solution Approach 2:
The patent introduces an account management system as an intermediary between the user and the merchant system. This intermediary generates and manages tokens that facilitate transactions without exposing the user's actual account information to the merchant or its employees, thereby protecting user identity while enabling transactions.
2Ease of operation
If users manually provide account information, then transactions can be authorized, but user interaction is required and convenience is reduced
Solution Approach 1:
The patent implements preliminary action by requiring users to enroll their biometric data (facial recognition or audio templates) and set up payment tokens in advance through the account management system. Once enrolled, transactions can be authorized automatically using biometric verification without requiring users to manually input account information during the transaction process.
Solution Approach 2:
The system enables self-service by allowing users to authenticate themselves through biometric verification (facial recognition or voice recognition) during transactions. The account management system automatically verifies the user's identity and authorizes the transaction without requiring manual intervention or interaction with the user.
3Reliability
If account management system is involved in settlement, then user identity is protected, but settlement process complexity increases
Solution Approach 1:
The patent extracts the sensitive account information from the settlement process by using tokens that do not contain actual account details. The account management system generates these tokens and maintains the mapping between tokens and real accounts internally, allowing settlement to proceed without exposing account information or requiring complex identity verification during the settlement phase.
Solution Approach 2:
The patent segments the transaction process into authorization and settlement phases. During authorization, biometric verification occurs and a token is generated. During settlement, only the token is used without involving the account management system or requiring identity verification, thereby simplifying the settlement process while maintaining security through the token mechanism.
4Ease of operation
If facial or audio recognition is used, then hands-free authentication is enabled, but biometric data processing complexity increases
Solution Approach 1:
The patent introduces the account management system as an intermediary that handles the complex biometric data processing. The merchant system only needs to capture biometric data and send it to the account management system for verification. The account management system maintains biometric templates and performs the complex matching operations, thereby enabling hands-free authentication without increasing the complexity of the merchant system.
Data Source
AI summary
A hands-free transaction is processed by utilizing an account management system to authorize a transaction and to provide payment account information to a payment processing system while allowing the transaction settlement to occur between the payment processing system and the merchant. After the account of the user is verified, a POS device generates a payment authorization request based on a user verification and other transaction information. The POS device transmits the payment authorization request to the account management system, and the account management system identifies the user payment data. The account management system receives an authorization from the payment processing system and transmits the payment authorization to the merchant. The merchant salesperson completes the transaction with the user by providing the product or service being purchased. The payment processing system and the merchant system then settle the transaction without involvement of account management system.