Mobile Biometric Payment Authentication via Local Template Matching
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Solution Overview
Problem
Current fingerprint recognition-based payment systems face challenges due to high costs and inadequate protection of personal information, as biometric data is stored on third-party devices and exposed to hacking risks, limiting their widespread adoption.
Innovation Solution
A method and system for financial payments using mobile devices that verify biometric and financial information locally, without the need for external servers, using sensors to sense biometric data, encrypt it, and match it with pre-stored information on the user's device, allowing secure transactions without exposing sensitive information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If biometric information is stored in third-party devices for payment systems, then payment functionality is enabled, but personal information security deteriorates due to hacking risks
Solution Approach 1:
The patent extracts biometric information storage from third-party devices and relocates it to the user's own mobile device. The user's mobile device stores biometric templates locally, while the affiliate member's device only performs authentication by comparing live biometric data against the stored templates, without accessing or storing the actual biometric information.
Solution Approach 2:
The patent introduces an intermediary authentication process where the user's mobile device acts as a secure mediator. Instead of directly storing biometric data on the affiliate member's device, the system uses the user's device as an intermediary that holds the biometric templates and performs secure verification, preventing direct exposure of sensitive information.
2Adaptability or versatility
If expensive fingerprint sensors are deployed at every offline affiliate member, then payment capability is improved, but device cost increases significantly
Solution Approach 1:
The patent uses copying by storing biometric templates (digital copies of biometric data) on the user's mobile device instead of requiring physical fingerprint sensors at every affiliate member location. The template copying approach allows authentication to be performed through software-based comparison rather than expensive hardware sensors.
Solution Approach 2:
The patent replaces the mechanical fingerprint sensor system with a software-based authentication system. Instead of requiring physical contact with fingerprint sensors at affiliate member devices, the system uses biometric template matching algorithms that run on standard mobile devices, eliminating the need for specialized hardware.
3Reliability
If manual code input is required for mobile device identification, then identity authentication is enabled, but ease of operation deteriorates due to troublesome input
Solution Approach 1:
The patent implements self-service by enabling mobile devices to automatically identify and authenticate each other without requiring manual code input. The system uses device-to-device communication where the user's mobile device automatically provides identification information to the affiliate member's device, and the authentication process occurs seamlessly in the background.
Solution Approach 2:
The patent applies preliminary action by pre-configuring biometric templates and device identification information before the authentication process. The user's mobile device stores biometric templates in advance, and when making a payment, the authentication can proceed immediately without requiring manual code entry, as all necessary information is already prepared and stored.
Data Source
AI summary
This application relates to a financial payment method using biometric information, in which biometric information of an individual collected in a mobile device of an affiliated member is transmitted to a mobile device of the individual to allow the biometric information to be authenticated in the mobile device of the individual. After the authentication of the biometric information, a substitute key that corresponds to a card password preset by the individual is inputted, and a financial payment is requested based on the payment content.