Image Recognition Payment Requests via Facial Analysis

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Solution Overview

Problem

Existing mobile payment systems require a prior relationship or direct interaction between users and recipients, limiting their ability to send payment requests to unknown individuals and lacking efficiency in processing transactions without physical exchange of devices or cash.

Innovation Solution

A system that uses image recognition to identify recipients in images, facilitating payment requests by analyzing facial features, location metadata, and contextual information to verify identities and send payment requests to associated contact information, enabling transactions between strangers and simplifying the payment process.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If mobile payment systems require prior relationship or direct interaction between users and recipients, then security and reliability of transactions are improved, but the adaptability and ease of operation are worsened

Engineering Contradiction:

Improvetransaction securityVSAvoidability to transact with unknown individuals

Core Design Contradiction:

ReliabilityVSAdaptability or versatility

Solution Approach 1:

The patent introduces an image recognition system as an intermediary between the user and the recipient. The system captures an image of the recipient, extracts facial features, and automatically identifies the recipient's identity and contact information. This intermediary process eliminates the need for direct interaction or prior relationship between user and recipient while maintaining transaction security through automated verification.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent replaces the mechanical system of direct user-to-user verification (such as exchanging contact information or manually confirming identities) with an automated optical recognition system. The image recognition and facial feature analysis automatically substitute for manual verification processes, enabling transactions with unknown individuals without compromising security.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Measurement precision

If manual verification of recipient identity is required, then accuracy of payment delivery is improved, but the productivity and ease of operation are worsened

Engineering Contradiction:

Improveaccuracy of recipient identificationVSAvoidtransaction processing speed

Core Design Contradiction:

Measurement precisionVSProductivity

Solution Approach 1:

The patent implements continuous automated image analysis and facial recognition processing that operates without interruption. As soon as an image of the recipient is captured, the system continuously processes the facial features, searches databases, and retrieves contact information automatically. This continuous automated process maintains high identification accuracy while eliminating the delays associated with manual verification steps.

Inventive Principle:

Principle #20Continuity of useful action

Solution Approach 2:

The system performs self-service by automatically analyzing the captured image, extracting facial features, identifying the recipient, and retrieving contact information without requiring manual intervention. The automated pipeline handles the entire verification process, maintaining precision through algorithmic analysis while significantly improving transaction speed by eliminating human operator involvement.

Inventive Principle:

Principle #25Self-service

3Reliability

If direct device-to-device communication is used for payment, then security is improved, but the ease of operation and adaptability are worsened

Engineering Contradiction:

Improvepayment securityVSAvoidsimplicity of payment process

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The patent introduces an intermediary image recognition and automated identification system between the user's device and the recipient. Instead of requiring direct device-to-device communication or manual exchange of contact information, the system mediates the process by automatically capturing the recipient's image, identifying them through facial recognition, and retrieving their contact information from databases, thereby simplifying the operation while maintaining security.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent replaces the mechanical process of direct device interaction (such as NFC tapping or manual contact exchange) with an automated optical recognition and database query system. The system captures an image, processes facial features through algorithms, and automatically retrieves payment information, substituting complex mechanical interactions with a simpler automated visual recognition process that is easier to operate.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS10867292B2Image recognition-based payment requests

Publication Date: 2020.12.15 THE TORONTO DOMINION BANK

AI summary

The present disclosure involves systems, software, and computer implemented methods for sending payment requests to one or more persons or entities based on images in which the persons or entities appear. In one example, the process may include identifying an image associated with a payment request, the identified image containing at least one recipient associated with the payment request, and wherein the payment request includes a value, analyzing the identified image to identify the at least one potential recipient of the payment request, identifying contact information associated with the at least one identified recipient of the payment request, and sending the payment request to the at least one identified recipient of the payment request via a destination associated with the identified contact information.