Intra-body Communication Payment Authentication
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Solution Overview
Problem
Existing electronic payment processes, such as those using Point of Sale (POS) machines, require multiple operations like inserting a bank card and inputting a password, making them complex and prone to errors in authentication, which can lead to unsuccessful or fraudulent transactions.
Innovation Solution
A payment method and system utilizing intra-body communication to establish a communication connection between a payee device and a payer device through a biological body, allowing for simultaneous transmission and authentication of transaction and biological feature information, reducing the need for multiple user interactions and enhancing security with dual authentication.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional POS machines are used with card readers and password input, then electronic payment can be completed, but the payment process becomes complex and prone to authentication errors
Solution Approach 1:
The patent combines multiple authentication methods (fingerprint recognition, facial recognition, iris recognition, or other biometric authentication) into a single integrated authentication process. The payment terminal collects biological feature information directly and performs authentication locally, merging the card reading, information collection, and authentication steps into one unified operation, thereby simplifying the payment process while improving authentication reliability
Solution Approach 2:
The system enables self-service authentication by automatically collecting biological feature information (such as fingerprints, facial data, or iris patterns) without requiring manual password input. The payment terminal autonomously captures, processes, and verifies the biometric data, allowing the user to complete authentication through a single natural action (e.g., placing a finger on the sensor or looking at the camera) rather than following multiple manual steps
2Reliability
If multiple authentication steps are required, then security can be enhanced, but user experience deteriorates due to multiple operations
Solution Approach 1:
The system performs preliminary authentication by collecting and verifying biological feature information before the actual payment transaction occurs. The payment terminal captures the user's biometric data in advance, authenticates it against stored information, and only then proceeds with the payment. This preliminary biometric verification replaces the need for multiple sequential authentication steps, maintaining high security while improving ease of operation
Solution Approach 2:
The patent replaces mechanical authentication methods (such as inserting cards, typing passwords, or signing documents) with biometric authentication systems. Fingerprint sensors, facial recognition cameras, or iris scanners automatically capture and verify user identity without requiring manual physical operations. This substitution maintains rigorous security standards while dramatically improving user convenience by eliminating multiple manual authentication steps
3Ease of operation
If manual password input is required, then authentication can be performed, but errors in authentication increase
Solution Approach 1:
The system replaces manual password input mechanisms with automated biometric authentication systems. Instead of requiring users to type or enter passwords (which are prone to errors such as typos, forgotten passwords, or security breaches), the payment terminal automatically captures and verifies biometric data (fingerprints, facial features, iris patterns). This substitution maintains operational simplicity while dramatically improving authentication accuracy and reliability, as biometric traits are unique and cannot be easily mistaken or forgotten
Data Source
AI summary
A payment method and a payment system are disclosed. After a biological body enters a predetermined range of a payee device, a communication connection is established by a payee device with a payer device through the biological body, and transaction information is transmitted to the payer device. The transaction information is received by the payer device, key information is extracted and is prompted, and authentication information is transmitted to the payee device after receiving a confirmation instruction. The authentication information is received by the payee device and biological feature information about the biological body is acquired during a time duration when the biological body is within the predetermined range. An authentication result for authenticating the digital authentication information and the biological feature information is acquired by the payee device, and payment transaction is performed when the authentication result is a successful authentication.