Voice Authentication Payment System with Automatic Instrument Selection
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Solution Overview
Problem
Conventional mobile payment services require manual interaction for authentication and selection of payment instruments, which can deter users and lead to missed benefits from various payment options, as customers struggle to remember the best card for each transaction.
Innovation Solution
A system and method that uses voice commands to authenticate users, determine merchant identifiers, and select payment instruments, generating a payment authorization request message that is transmitted to a merchant device for processing, thereby streamlining the payment process and eliminating the need for manual authentication and instrument selection.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If manual authentication and payment instrument selection are required, then security is maintained, but user convenience and ease of operation deteriorate
Solution Approach 1:
The system performs authentication and payment instrument selection automatically without requiring manual user input. The server device autonomously verifies customer identity and selects appropriate payment instruments based on stored profiles and transaction context, eliminating the need for customers to manually authenticate or choose payment methods.
Solution Approach 2:
Authentication data and payment instrument preferences are pre-configured and stored in the system before the transaction occurs. The customer profile contains pre-verified authentication information and pre-selected payment instruments, allowing the system to quickly retrieve and use this information without requiring real-time manual input during the transaction.
2Productivity
If customers manually select payment instruments, then control over payment choice is maintained, but time consumption and productivity worsen
Solution Approach 1:
The system automatically selects payment instruments based on pre-configured customer profiles and transaction context, eliminating the time-consuming manual selection process. The server device autonomously determines which payment instrument to use by evaluating stored preferences, account types, and transaction characteristics without requiring customer intervention.
Solution Approach 2:
Payment instrument preferences and selections are pre-established in the customer profile before transactions occur. The system stores hierarchical payment instrument configurations that indicate priority and suitability for different transaction types, allowing instant retrieval and application during transactions without time-consuming real-time decision-making.
3Adaptability or versatility
If multiple payment instruments are supported, then adaptability and versatility improve, but device complexity and difficulty of operation worsen
Solution Approach 1:
The system automatically manages the complexity of multiple payment instruments by having the server device autonomously select the appropriate instrument based on pre-configured profiles. Customers benefit from access to multiple payment options without needing to understand or manually manage the complexity of selecting among them - the system handles instrument selection based on stored preferences and transaction context.
Solution Approach 2:
The system provides a universal payment interface that automatically adapts to support multiple payment instrument types (credit cards, debit cards, prepaid cards, etc.) through a single streamlined process. The server device universally handles various instrument types by retrieving appropriate configurations from customer profiles, allowing customers to access diverse payment options through a unified simple interface.
4Ease of operation
If voice commands are used for authentication, then ease of operation improves, but reliability and security measurement precision may worsen
Solution Approach 1:
The system introduces a server device as an intermediary that processes and verifies voice commands using sophisticated voice recognition and biometric authentication technologies. The server acts as a mediator between the simple voice input and the security verification system, translating the ease of voice operation into reliable authentication by using advanced pattern recognition and comparison against stored biometric data.
Data Source
AI summary
There is provided a client device, method and system for facilitating a payment from a customer to a merchant. Payment is carried out upon use of voice data for authentication of a user and subsequent transmission of a payment authorization message.