Scheduled Remittance Authentication via Biometric Segmentation
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Solution Overview
Problem
Current remittance services through electronic devices lack user convenience, as users must re-authenticate and re-enter remittance information if modifications are made or if the payment account balance is insufficient, and there is no verification process for cancelling scheduled remittances.
Innovation Solution
An electronic device equipped with a display, communication circuit, biometric sensor, and processor that executes a first application for obtaining remittance information and a second application for payment, allowing user authentication based on biometric data and enabling scheduled remittances with various user interfaces, allowing for modification and verification of remittance details at the scheduled time.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If users schedule remittance through a financial institution application, then remittance can be performed at scheduled time, but users cannot use preferred user interface and must re-authenticate if modifications are made
Solution Approach 1:
The system separates remittance scheduling and authentication into distinct phases. The first application handles remittance information input and scheduling, while the second application (payment app) handles authentication and execution. This segmentation allows users to use their preferred interface for scheduling while maintaining security through separate authentication.
Solution Approach 2:
The system performs preliminary authentication when the scheduled remittance time arrives. If the user is authenticated at the scheduled time, the remittance is executed automatically. This preliminary verification prevents the need for re-authentication even if modifications are made to the scheduled remittance.
2Productivity
If remittance is automatically performed at scheduled time, then efficiency is improved, but user verification for cancellation or modification is lacking
Solution Approach 1:
The system performs preliminary authentication at the scheduled time before executing the remittance. This preliminary action verifies user intent while maintaining efficiency by automatically executing the remittance if authentication succeeds, eliminating the need for manual confirmation while preventing unauthorized transactions.
Solution Approach 2:
The system provides feedback to the user about the scheduled remittance at the execution time, allowing the user to verify or cancel the transaction. This feedback mechanism ensures user intent is confirmed while maintaining the efficiency of automated processing.
3Manufacturing precision
If users must re-enter remittance information after modifications, then data accuracy is maintained, but user convenience deteriorates
Solution Approach 1:
The system performs preliminary authentication at the scheduled time to verify user intent before executing the remittance. This allows users to modify remittance information conveniently without requiring complete re-entry, as the system verifies user identity and intent at the execution stage rather than requiring repeated input validation.
Data Source
AI summary
An electronic device includes a display, a communication circuit communicating with a server, a memory storing a first application for acquiring data and a second application for payment, a biometric sensor sensing biometric information, and a processor electrically connected with the display, the communication circuit, the memory, and the biometric sensor. The processor is configured to execute the first application, obtain remittance information including time information from the first application, authenticate a user of the electronic device based on the biometric information, which is obtained by the biometric sensor, using the second application if time corresponding to the time information arrives, and request remittance to the server based on at least a part of the remittance information using the communication circuit if the user of the electronic device is authenticated. Besides, it may be permissible to prepare other various embodiments speculated through the specification.