Electronic Wallet Biometric Authentication Form Auto-Fill

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Solution Overview

Problem

Current systems for making electronic payments on wireless handheld devices require repeated entry of card information and personal details, increasing the risk of data exposure and inconvenience during online transactions.

Innovation Solution

A system and method that utilizes an electronic wallet integrated with a wireless handheld device, featuring a fingerprint reader and secure encryption, allows authorized access to payment cards without storing sensitive information on online vendor websites, using a fingerprint or voice input for verification and automatically populating payment forms.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If card information is stored on online vendor websites for future purchases, then transaction convenience is improved, but data security and risk of exposure deteriorate

Engineering Contradiction:

Improvetransaction convenienceVSAvoiddata exposure risk

Core Design Contradiction:

Ease of operationVSObject-affected harmful factors

Solution Approach 1:

The patent extracts sensitive card information from online vendor websites and stores it locally in an electronic wallet on the user's device. This removes the harmful exposure risk while maintaining convenience, as the information is kept secure on the user's own device rather than being stored on external servers.

Inventive Principle:

Principle #2Taking out (Extraction)

Solution Approach 2:

The patent introduces an electronic wallet as an intermediary layer between the user and online vendors. This intermediary securely stores card information locally and automatically populates forms, eliminating the need to store data on vendor websites while preserving transaction convenience.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Object-affected harmful factors

If card information is repeatedly entered for each transaction, then data security is improved, but user convenience and time efficiency deteriorate

Engineering Contradiction:

Improvedata exposure riskVSAvoidtime for repeated entry

Core Design Contradiction:

Object-affected harmful factorsVSLoss of time

Solution Approach 1:

The patent performs preliminary action by storing card information in advance in an electronic wallet on the user's device. This pre-stored information is then automatically retrieved and populated into forms during transactions, eliminating repeated manual entry while maintaining security through local storage and biometric authentication.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The electronic wallet system provides self-service by automatically populating payment forms with stored card information. The system manages the card data locally and handles form completion automatically, reducing user effort and time while maintaining security through local storage rather than external servers.

Inventive Principle:

Principle #25Self-service

3Adaptability or versatility

If detailed personal information is collected and stored online, then service personalization is improved, but security risks and data exposure deteriorate

Engineering Contradiction:

Improveservice personalizationVSAvoiddata security

Core Design Contradiction:

Adaptability or versatilityVSReliability

Solution Approach 1:

The patent extracts personal information from online storage and keeps it locally in the electronic wallet on the user's device. This maintains the ability to personalize services while removing the security risks associated with storing detailed personal information on external servers.

Inventive Principle:

Principle #2Taking out (Extraction)

Solution Approach 2:

The electronic wallet acts as a secure intermediary that stores personal information locally on the user's device rather than on vendor servers. This intermediary approach enables service personalization through access to stored information while maintaining reliability through local, secure storage with biometric protection.

Inventive Principle:

Principle #24Intermediary (Mediator)

Data Source

PatentUS10510061B2System and method for capturing user inputs in electronic forms

Publication Date: 2019.12.17 MALIKIE INNOVATIONS LTD

AI summary

A method, electronic device, and computer readable storage medium, for capturing user inputs in a fillable electronic form into an electronic wallet. A method includes: populating fields in a fillable electronic form with secured information from record fields in an electronic wallet at the electronic device while in an online transaction with an online vendor's server; receiving user input entering changes into the fields in the fillable electronic form overwriting the secured information to changed information in the fillable electronic form; upon determining that changes have been made in any field in the fillable electronic form, copying the changed information from the fields in the fillable electronic form and writing the changed information into corresponding record fields as secured information in the electronic wallet; and continuing with the online transaction using the fillable electronic form with the online vendor's server.