Mix-Media Payment Authentication Using Biometric and Accelerometer Data
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Solution Overview
Problem
The increasing sophistication of criminals in stealing payment device information leads to significant fraud, particularly in developing countries, where existing payment security methods are inadequate, resulting in substantial financial losses.
Innovation Solution
A computer server system that requests and compares images or videos of users with stored data to authenticate payment transactions, using accelerometer data and image/video analysis to verify the identity of the user associated with a payment device, thereby enhancing security and preventing unauthorized transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional payment device security methods are used, then ease of operation is maintained, but reliability deteriorates due to increasing fraud sophistication
Solution Approach 1:
The patent combines multiple authentication factors (biometric data from images/videos, accelerometer data from mobile devices, and payment device information) into a unified authentication system. This merging of multiple data sources creates a comprehensive security framework that significantly improves reliability while managing complexity through integrated processing.
Solution Approach 2:
The system uses a mobile device to perform multiple functions: capturing biometric images/videos, collecting accelerometer data, and communicating with the server. This multi-functional approach improves payment security without requiring separate dedicated devices for each authentication factor, thereby managing overall system complexity.
2Reliability
If image/video and accelerometer data comparison is implemented, then reliability improves through better authentication, but device complexity increases due to additional processing requirements
Solution Approach 1:
The system performs preliminary actions by collecting and storing biometric images/videos and accelerometer data during device setup or initial interactions. This pre-collection of authentication data allows for faster, more reliable verification during actual payment transactions without requiring complex real-time data gathering, thus improving reliability while managing processing complexity.
Solution Approach 2:
The server acts as an intermediary that receives, stores, and processes the complex biometric and accelerometer data. By offloading the heavy processing tasks to the server rather than requiring complex processing in the mobile device or payment terminal, the system achieves high identification accuracy while keeping the client-side complexity manageable.
3Loss of information
If mix-media authentication is used, then loss of information is reduced through comprehensive verification, but device complexity increases due to multiple data collection methods
Solution Approach 1:
The mobile device serves as a universal platform that handles multiple data collection functions (camera for images/videos, accelerometer for motion data, communication for data transmission). This multi-functional design ensures comprehensive authentication information is collected without requiring separate dedicated devices for each data type, thereby reducing information loss while managing system complexity.
Solution Approach 2:
The system automatically collects biometric images/videos and accelerometer data without requiring manual input from the user. The mobile device self-services by capturing all necessary authentication information through its built-in sensors and cameras, ensuring complete data collection while minimizing the operational complexity the user must manage.
Data Source
AI summary
Techniques for identifying a user and authenticating payment transactions based on the identification include requesting the user to send his audio, video, and/or image from the point of sale location and comparing the received audio, video, and/or image to an audio/video/image on file to identify and authenticate the user as being the official holder of the payment device being used in the transaction. Once the user is authenticated, the payment processing can be performed using conventional techniques. Some techniques involve use of accelerometer data associated with the user in addition to or in lieu of the audio, video, and/or image data to perform the identification and authentication of the user.