Keypad Dulcet Authentication for Cardless Payments
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Solution Overview
Problem
Existing payment mechanisms rely on cards or devices, making transactions impossible if a user forgets their card or device, and lack a method for device-independent authentication without additional biometrics.
Innovation Solution
A cardless transaction system using a keypad at a POS device that records and encrypts a sequence of keypresses with timestamps, frequency, and time-delays for authentication, transmitted to a secure network for pattern verification, allowing transactions without physical cards or devices.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If card or device-based payment mechanisms are used, then authentication can be performed through established channels, but transactions become impossible if the user forgets their card or device
Solution Approach 1:
The patent introduces a biometric authentication intermediary (fingerprint sensor, voice recognition, or facial recognition system) that mediates between the user and the payment system. This intermediary enables authentication through biological characteristics stored in a database, allowing users to make payments without physically carrying cards or devices while maintaining secure verification through unique biometric patterns.
2Reliability
If additional biometric authentication is required, then security is enhanced, but the authentication process becomes more complex and time-consuming
Solution Approach 1:
The patent implements a universal biometric authentication system that can handle multiple types of biometric verification (fingerprint, voice, facial recognition) through a single integrated framework. The system stores various biometric patterns in a centralized database and can authenticate users through any of these methods, eliminating the need for separate authentication systems for each biometric type and reducing overall system complexity.
Data Source
AI summary
Architecture and methods may be provided to enable a user to authenticate and complete a cardless transaction at a point-of-sale (“POS”) device. The POS device may include a keypad configured to receive a sequence of keypresses. The POS device may also include a processor configured to record the sequence of keypresses and tag each keypress with a time-stamp. The POS device may include a keypress controller configured to determine from the sequence of keypresses, a number of keypresses, a frequency of each keypress and a time-delay between each keypresss. The sequence of keypresses may be transmitted to a secure transaction network and, using a machine-learning pattern identifier, be configured to identify a pattern to the sequence of keypresses based off of the determined number of keypresses, the frequency and time-delay and then further verify that the pattern matches to a stored pattern to authenticate the cardless transaction.