Smartphone POS Transaction Authentication via Biometric and Link Validation
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Solution Overview
Problem
The need for a multipurpose smartphone device capable of performing additional functions beyond current smartphone capabilities, particularly as a point-of-sale (POS) device, exists due to the expense and limitations of dedicated POS systems.
Innovation Solution
A method where a smartphone receives a link associated with a previous user action, authenticates a second user, and authorizes them to conduct transactions, using identification information and biometric data, allowing it to function as a POS device by displaying instructions and processing payments through integrated mechanisms like cameras and biometric readers.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If dedicated POS systems are used, then transaction processing capability is ensured, but hardware cost and device quantity increase
Solution Approach 1:
The patent enables smartphones to perform multiple functions including payment processing, identification verification, and transaction authorization. By making the smartphone a universal device that can replace dedicated POS systems, the patent reduces the need for separate specialized hardware while maintaining transaction processing capabilities.
Solution Approach 2:
The patent combines multiple functions (payment processing, ID verification, biometric authentication) into a single smartphone device. This merging of previously separate dedicated systems into one multifunctional device reduces hardware complexity and cost while preserving reliability through integrated security mechanisms.
2Adaptability or versatility
If smartphone functions are expanded to include POS capabilities, then device versatility improves, but security requirements and authentication complexity increase
Solution Approach 1:
The patent divides the authentication process into distinct segments: biometric verification, identification document scanning, link validation, and transaction authorization. Each segment handles a specific security requirement, making the overall complex security system manageable and modular while enabling versatile smartphone functionality.
Solution Approach 2:
The patent performs preliminary authentication actions before transaction processing, including biometric verification and ID scanning. By completing security validations in advance, the system prepares the smartphone with authorized credentials, enabling versatile POS functions while managing security complexity through pre-validated authentication states.
Data Source
AI summary
Embodiments described herein relate generally to a multipurpose smartphone device. More specifically, embodiments described herein disclose a smartphone that is capable of being used as a point-of-sale (POS) device.