Transaction Management Using Sensor-Based User State Assessment
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Solution Overview
Problem
Mobile device users may perform transactions without proper consideration due to physical, mental, or emotional impairment, leading to unintended consequences, such as excessive spending or security risks, which existing transaction management systems fail to adequately address.
Innovation Solution
A system that generates and analyzes sensor data to determine a user's state, allowing for the blocking, delaying, or notification of transactions based on predefined constraints, such as spending rules or security settings, to prevent impaired users from engaging in potentially harmful actions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If mobile applications provide ready access to services, then user convenience and efficiency are improved, but users may perform actions without proper consideration due to impairment
Solution Approach 1:
The system performs preliminary assessment of user state through sensor data analysis before allowing transactions to proceed. Biometric sensors detect physiological indicators of impairment (such as elevated heart rate, skin conductance, or facial expressions) and evaluate user competency beforehand, preventing problematic transactions before they occur rather than relying on post-hoc review
Solution Approach 2:
The system introduces an intermediary assessment layer between the user and the transaction system. This intermediary evaluates sensor data to determine user state and acts as a gatekeeper, allowing transactions only when the user is deemed competent, thus mediating between user convenience and transaction safety
2Measurement precision
If sensor data is collected and analyzed in real-time, then user state detection accuracy is improved, but system complexity and processing requirements increase
Solution Approach 1:
The system uses multi-functional sensor devices that can detect multiple types of physiological data (facial expressions, heart rate, skin conductance, voice characteristics) simultaneously. This universal approach allows comprehensive user state assessment without requiring separate specialized sensors for each physiological parameter, reducing overall system complexity
Solution Approach 2:
The system combines multiple sensor inputs and analysis functions into a unified assessment process. Rather than treating each sensor type separately, the system merges the data streams and evaluation criteria into an integrated user state determination, simplifying the overall system architecture while maintaining detection accuracy
Data Source
AI summary
Techniques are described for managing transactions requested by a user, such management based on sensor data that is generated by sensor device(s) in proximity to the user. Biometric and/or other types of data may be generated using sensors that are included in a user device, worn by a user, and/or otherwise in proximity to the user. The data may be analyzed to determine a current physical, emotional, and/or intellectual state of the user, such as whether the user is intoxicated, exhausted, angry, depressed, under duress, experiencing dementia, and so forth. If a transaction is detected that conflicts with a previously specified constraint, such as a budget or spending rule of the user, and if the user is currently in an impaired state, action(s) may be taken to manage the transaction. Such action(s) may include blocking the transaction, delaying the transaction, and/or notifying another party to assist the user.