Native Mobile App Biometric Security for Loyalty Services
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Solution Overview
Problem
The existing systems for mobile loyalty services are fragmented, involving multiple parties for payments, loyalty programs, and marketing, leading to competing interests and disparate platforms, which hinder the integration of secure mobile payment and personalized shopping experiences.
Innovation Solution
A native mobile application that integrates secure mobile payment, loyalty program engagement, and marketing features, providing a single platform for multi-tender loyalty services, including credit account management, mobile payment, and data analysis, using biometric security and geo-fencing for personalized marketing.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If multiple disparate parties provide payments, loyalty programs, and marketing on separate platforms, then each party can maintain independent control and specialized functionality, but the system becomes fragmented with competing interests and poor integration
Solution Approach 1:
The patent combines multiple previously separate functions (payments, loyalty programs, marketing) into a single integrated mobile application. This merging eliminates system fragmentation and allows seamless interaction between different services that were previously provided by disparate parties on separate platforms.
Solution Approach 2:
The mobile application is designed as a universal platform that performs multiple functions: processing payments, managing loyalty accounts, delivering marketing content, and providing personalized shopping experiences. This multi-functionality resolves the contradiction by enabling a single system to handle diverse services that previously required separate specialized systems.
2Reliability
If biometric security is implemented in the mobile application, then user data privacy and security are enhanced, but the device complexity and security requirements increase
Solution Approach 1:
The mobile device's built-in biometric authentication system (fingerprint sensor, face recognition) is leveraged to provide security. The system uses the device's existing self-service biometric capabilities rather than implementing a separate security subsystem, thereby enhancing data security while minimizing additional device complexity.
3Ease of operation
If a single native mobile application provides all loyalty services, then user experience is simplified and engagement is improved, but the development and maintenance complexity increases
Solution Approach 1:
The mobile application is organized into distinct functional modules or components, each handling specific services (payment module, loyalty module, marketing module). This segmentation allows the complex application to be developed, maintained, and updated in manageable sections while presenting a unified user experience.
Data Source
AI summary
In a computer-implemented method for providing biometric security for mobile loyalty services via a native mobile application a physical location of a mobile device are accessed by a single native mobile application executing on the mobile device, wherein the physical location is accessed in response to a user initiating access to the mobile loyalty services. A time corresponding to a determination of the physical location of the mobile device is accessed. A date corresponding to a determination of the physical location of the mobile device is accessed. Biometrics of the user of the mobile device is accessed. Biometric security of the single native mobile application is provided based on the physical location, the time corresponding to a determination of the physical location of said mobile device, the date corresponding to a determination of the physical location of the mobile device, and the biometrics of the user.