Mask-Embedded UID Authentication for Contactless Wallet Payments

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Solution Overview

Problem

Facial recognition technologies fail when users wear face masks, leading to unsuccessful transactions and potential exposure to diseases during contactless payments.

Innovation Solution

A system utilizing a wireless transmitter chip embedded in a face covering to transmit a unique identifier and biometric data for authentication, enabling secure transactions without removing the mask.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If facial recognition technology is used to authenticate users, then user identification accuracy is improved, but the system becomes inoperable when users wear face masks

Engineering Contradiction:
Improveuser identification accuracyVSAvoidsystem operability with face masks
Core Design Contradiction:
Measurement precisionVSAdaptability or versatility

Solution Approach 1:

The patent introduces an electronic circuit device as an intermediary authentication element that bridges the gap between facial recognition technology and mask-wearing users. The device contains a unique identifier that can be read by the system, serving as a mediator that enables authentication when direct facial recognition is blocked by masks. This intermediary component allows the system to function both with and without masks.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The system performs preliminary registration of users with electronic circuit devices before authentication scenarios occur. During registration, the system stores the unique identifier from the electronic circuit device along with user account information. This preliminary action ensures that when users need to authenticate while wearing masks, the system already has the necessary reference data to perform verification without requiring mask removal.

Inventive Principle:
Principle #10Preliminary action

2Ease of operation

If users remove face masks to use mobile devices, then authentication functionality is restored, but user safety and disease exposure protection is compromised

Engineering Contradiction:
Improveauthentication functionalityVSAvoiddisease exposure risk
Core Design Contradiction:
Ease of operationVSObject-affected harmful factors

Solution Approach 1:

The electronic circuit device acts as an intermediary that enables authentication functionality to work through the barrier of face masks. Instead of requiring users to remove masks to access authentication features, the system reads the unique identifier from the electronic circuit device that remains attached to the mask. This mediator allows both mask-wearing safety and authentication functionality to coexist.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent replaces the mechanical/optical system of direct facial recognition with an electronic identification system. Instead of using cameras and image processing to recognize faces, the system uses wireless or contactless reading of electronic circuit devices. This substitution eliminates the need for mechanical mask removal while maintaining authentication capability.

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

3Object-affected harmful factors

If contactless transactions are implemented, then user safety is improved, but authentication reliability deteriorates when face masks are worn

Engineering Contradiction:
Improvedisease exposure riskVSAvoidauthentication reliability
Core Design Contradiction:
Object-affected harmful factorsVSReliability

Solution Approach 1:

The electronic circuit device serves as a reliable intermediary that maintains authentication reliability during contactless transactions. The device's unique identifier provides a consistent and verifiable authentication element that works through masks, ensuring that contactless transactions remain both safe and reliable simultaneously.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The system performs preliminary registration and verification of electronic circuit devices to establish their authenticity before transaction scenarios occur. This preliminary verification ensures that the unique identifiers stored in the devices are legitimate and bound to specific user accounts, maintaining authentication reliability throughout contactless transaction operations.

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS20250356355A1System and method for authentication and payment while wearing a face covering
Publication Date: 2025.11.20 MASTERCARD INT INC
  • US20250356355A1 patent drawing
  • US20250356355A1 patent drawing
  • US20250356355A1 patent drawing

AI summary

The disclosure describes systems and methods for authenticating a consumer performing a digital wallet transaction while wearing a face covering. A consumer authentication system includes an electronic circuit device having a wireless transmitter chip associated with a unique identifier (UID). The system receives a transaction request message, and in response, transmits an authentication request message to the consumer. The system then receives an authentication response message from the consumer. The authentication response message includes a biometric sample of a select physical feature of the consumer. The system determines that the biometric sample matches the biometric profile of the consumer above a predetermined lower threshold and then reads a unique identifier (UID) from the electronic circuit device. The system determines whether the read unique identifier (UID) matches the unique identifier (UID) of the new consumer account.