Wearable Device Transaction Queuing via Biometric Pre-Authentication
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Solution Overview
Problem
Current transaction terminals, such as ATMs and POS systems, lack contactless functionality and require users to repeatedly authenticate using methods like swiping magnetic strips or providing credentials, leading to inconvenience and security concerns, especially for users performing multiple transactions with wearable devices.
Innovation Solution
A system that pre-authenticates wearable devices, allowing users to initiate and complete transactions without additional authentication by continuously monitoring the device's possession through biometric feedback, enabling secure and convenient transaction queuing at transaction terminals.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If conventional authentication methods (swiping magnetic strip, providing credentials) are used at transaction terminals, then security is maintained, but user convenience deteriorates due to repeated authentication requirements and longer transaction times
Solution Approach 1:
The system performs preliminary authentication by detecting wearable devices adorned by users and establishing pre-authenticated sessions before transactions occur. This allows users to engage in transactions without providing authentication credentials at the terminal, resolving the contradiction by maintaining security through pre-verification while improving convenience during actual transactions
Solution Approach 2:
The system enables self-service by automatically detecting which wearable devices are adorned by users and linking them to corresponding accounts without requiring user intervention for authentication. The system autonomously manages the authentication state and transaction queuing, eliminating the need for users to manually provide credentials while maintaining security through automated verification
2Ease of operation
If contactless functionality is added to transaction terminals, then user convenience is improved, but security risks increase due to potential misrepresentation and unauthorized access
Solution Approach 1:
The system continuously monitors authentication states and tracks wearable device possession through biometric feedback. This real-time feedback mechanism ensures that contactless transactions are authorized only when the system confirms the user's continuous possession of the wearable device, resolving the contradiction by enabling contactless convenience while maintaining security through ongoing verification
Solution Approach 2:
The system introduces an intermediary authentication layer that mediates between the wearable device and the transaction terminal. Instead of direct contactless communication between the device and terminal, the system acts as a trusted intermediary that verifies authentication credentials and manages transaction queuing, reducing security risks while maintaining contactless convenience
3Reliability
If authentication credentials are required at every transaction interaction, then security is maintained, but transaction processing time increases due to repeated authentication steps
Solution Approach 1:
The system performs authentication in advance by detecting wearable devices and establishing pre-authenticated sessions before transactions occur. This preliminary authentication eliminates the need for repeated credential verification at each transaction, resolving the contradiction by maintaining security through pre-verification while significantly reducing transaction processing time
Solution Approach 2:
The system maintains continuous authentication states through ongoing monitoring of wearable device possession. Once authenticated, the user's authorization persists continuously across multiple transactions without requiring re-authentication, as long as the wearable device remains detected as adorned by the user, thereby maintaining security while eliminating repeated authentication steps
4Reliability
If transaction terminals require user identification confirmation at every interaction, then security against misrepresentation is improved, but device complexity and operational overhead increase
Solution Approach 1:
The system enables self-service authentication by automatically detecting wearable devices and linking them to user accounts without requiring terminal-based verification of identification credentials. The authentication process is handled autonomously by the system through wearable device detection and biometric monitoring, resolving the contradiction by maintaining identity verification security while eliminating the need for complex terminal-based identification confirmation processes
Data Source
AI summary
Embodiments of the invention are directed to systems, methods, and computer program products for authenticating a wearable device for transaction queuing. The system enables a user to pre-authenticate the wearable device and utilize the pre-authenticated wearable device to execute one or more transactions, from a pending transaction queue, without requiring additional authentication credentials for each transaction. In this regard, the system is configured to receive limits associated with the use of the wearable device and enable the user to initiate a transaction associated with a transaction terminal. Furthermore the system may suggest one or more suitable locations of transaction terminals. The system may then place the transaction in a pending transaction queue and transmit a notification to the user indicating that the transaction has been processed. In response, the system may receive a token from the pre-authenticated wearable device at the transaction terminal and enable the user to complete transaction.