Multi-Fingerprint Payment Verification System
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Solution Overview
Problem
Current network payment systems are vulnerable to unauthorized disclosure and theft of bank card numbers and verification information, lacking sufficient security measures to prevent misuse.
Innovation Solution
A payment verification method that requires users to input and scan at least two fingerprints, which are then verified by a server before processing a payment request, enhancing security by requiring multiple users' consent for transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional network payment methods using bank card numbers and verification information are used, then payment convenience is maintained, but security against unauthorized access deteriorates
Solution Approach 1:
The verification process is segmented into multiple independent fingerprint scans (at least two separate fingerprint acquisitions) rather than relying on a single verification step. This segmentation ensures that even if one fingerprint scan is compromised, the payment remains secure as additional verification is required.
Solution Approach 2:
The system performs preliminary fingerprint scanning and verification before the actual payment transaction is processed. By requiring fingerprint verification in advance and obtaining user confirmation, the system prevents unauthorized payments before they occur, rather than attempting to detect fraud after the fact.
2Reliability
If multiple fingerprints are required for verification, then security against theft is improved, but operation time increases
Solution Approach 1:
The system requires more verification than a single fingerprint scan by implementing at least two separate fingerprint acquisitions. This excessive verification action ensures that even if one scan is unauthorized or erroneous, the payment cannot be processed without additional valid fingerprint verification, thereby prioritizing security over minimal verification time.
3Object-affected harmful factors
If fingerprint scanning is implemented, then unauthorized access is reduced, but device complexity increases
Solution Approach 1:
The system replaces traditional mechanical verification methods (such as physical card insertion or simple password entry) with biometric fingerprint scanning technology. This substitution provides more secure verification while integrating seamlessly into modern touch-screen devices, reducing the need for additional physical security components.
Data Source
AI summary
Methods, terminals, and systems for payment verification are provided. Payment information associated with a payment operation is obtained, in response to a user entry performed in a data entry region on a user interface unit of a payment terminal and after the payment operation is detected. A prompt notification prompted for inputting a fingerprint can be outputted. At least two fingerprints are inputted and scanned to obtain at least two-fingerprint information. Based on the payment information and the at least two-fingerprint information, a payment request containing a payment account number and verification information of the payment account number is sent to a server for the server to process the payment request after the at least two-fingerprint information and the verification information are verified by the server.