Predictive Pre-authorization Using Passive Biometrics

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Solution Overview

Problem

Current wireless payment systems require customers to manually interact with their mobile devices, disrupting business interactions, lack sufficient security, and involve inefficient pre-authorizations that block funds unnecessarily.

Innovation Solution

A system and method for predictive pre-authorization of subsidiary accounts using biometrics, which allows wireless mobile devices to automatically authorize transaction amounts without user interaction, using passive biometrics and a payment facilitation device for secure, touchless payments that integrate seamlessly with existing business methodologies.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If manual mobile device interaction is required for payment authorization, then security is improved, but ease of operation deteriorates and business interaction is disrupted

Engineering Contradiction:

Improvepayment securityVSAvoidpayment convenience

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The system performs preliminary biometric verification and pre-authorization actions before the actual payment moment. Customer biometric data is captured and verified in advance, and pre-authorization amounts are established beforehand, so that the actual payment requires no manual intervention from the customer.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system enables self-service payment authorization through automatic biometric verification and predictive pre-authorization algorithms. The customer's mobile device automatically communicates with the payment facilitation device, and the system automatically verifies biometrics and authorizes payments without requiring the customer to manually operate the device.

Inventive Principle:

Principle #25Self-service

2Reliability

If traditional pre-authorization is used, then transaction security is improved, but loss of time increases due to unnecessary fund holds

Engineering Contradiction:

Improvetransaction securityVSAvoidfund hold duration

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system applies partial pre-authorization by determining optimal pre-authorization amounts using predictive algorithms that analyze customer history and transaction patterns. Instead of holding excessive funds, the system pre-authorizes only the necessary amount, reducing unnecessary fund holds while maintaining transaction security.

Inventive Principle:

Principle #16Partial or excessive action

Solution Approach 2:

The system dynamically adjusts pre-authorization parameters based on customer behavior patterns, transaction history, and risk assessment. The pre-authorization amount and duration are optimized as variables that change based on predictive analytics, rather than using fixed pre-authorization parameters.

Inventive Principle:

Principle #35Parameter changes

3Ease of operation

If passive biometrics and automatic authorization are implemented, then ease of operation is improved, but device complexity increases

Engineering Contradiction:

Improvetouchless payment capabilityVSAvoidsystem architecture complexity

Core Design Contradiction:

Ease of operationVSDevice complexity

Solution Approach 1:

The system introduces intermediary components including a payment facilitation device that mediates between the customer's mobile device and the payment network, and a biometric verification server that handles biometric data processing. These intermediaries manage the complexity of biometric verification and automatic authorization, keeping the customer's mobile device simple.

Inventive Principle:

Principle #24Intermediary (Mediator)

4Reliability

If biometric verification database is integrated, then reliability is improved, but device complexity and data storage requirements increase

Engineering Contradiction:

Improvebiometric verification accuracyVSAvoiddata storage and processing complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The system segments biometric data storage and processing across multiple components: the customer's mobile device stores minimal local data, the payment facilitation device handles transaction-specific verification, and a separate biometric verification server maintains the comprehensive biometric database. This segmentation distributes data storage and processing complexity across the system architecture.

Inventive Principle:

Principle #1Segmentation

Data Source

PatentUS11580545B2Predictive pre-authorization of subsidiary accounts using passive biometrics

Publication Date: 2023.02.14 ROCKSPOON INC

AI summary

A system and method for predictive pre-authorization of subsidiary accounts using passive biometrics which uses wireless mobile devices and biometric scanning to automatically predict pre-authorized transaction amounts for a plurality of subsidiary accounts in a secure manner without requiring the customer to handle his or her mobile device. The system and method uses a payment facilitation device at the business location which automatically detects and recognizes registered mobile devices, displays a photo of the customer to a business employee for identity confirmation, verifies the customer with a biometrics verification database, generates a pre-authorization amount with an authorization generator, and automatically deducts payments for purchases from a pre-authorized customer account. The system and method may further include capabilities for facilitating offline transactions using accounts enabled as offline accounts.