Wearable Payment Authentication Using Biometric and Behavior Signals
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Solution Overview
Problem
Smart wearable devices face vulnerabilities in payment operations, leading to potential financial losses due to the lack of effective identity authentication measures, and there is a significant difference in security protocols between wearable devices and terminals.
Innovation Solution
Implement identity authentication methods on smart wearable devices that utilize human body characteristic information and behavior information, such as blood oxygen, heart rate, electrocardiogram, and historical sleep/exercise data, to verify user identity before allowing payments, ensuring security without network dependency.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If identity authentication is implemented on smart wearable devices using terminal solutions, then security of payment operations is improved, but device complexity increases and the solution cannot be directly copied due to significant differences between wearable devices and terminals
Solution Approach 1:
The authentication system is segmented into multiple independent modules: biometric authentication module, behavior recognition module, risk assessment module, and payment execution module. Each module operates independently but contributes to the overall security, allowing the complex authentication process to be broken down into manageable components that can be implemented on resource-constrained wearable devices.
Solution Approach 2:
The authentication system is designed to be universally applicable across different wearable device types and payment scenarios. The same authentication framework can handle various biometric data types (fingerprint, face, iris), different payment methods, and multiple risk levels, making it adaptable to diverse wearable devices without requiring device-specific customizations.
2Reliability
If comprehensive identity authentication measures are implemented on smart wearable devices, then security against vulnerabilities is improved, but resource occupation increases
Solution Approach 1:
The authentication system dynamically adjusts its resource consumption based on real-time conditions. When risk is low and user behavior is normal, authentication is streamlined with minimal resource usage. When suspicious activities are detected or risk thresholds are exceeded, the system intensifies authentication measures, activating additional verification steps and biometric checks, thereby optimizing the balance between security and resource consumption.
Solution Approach 2:
The system changes operational parameters such as authentication threshold levels, verification depth, and biometric data collection intensity based on risk assessment results. Low-risk transactions use simplified authentication with lower computational parameters, while high-risk transactions trigger comprehensive verification with elevated parameters, allowing the system to maintain high security standards while minimizing average resource occupation.
3Reliability
If identity authentication is performed on smart wearable devices, then unauthorized access is prevented, but payment operation efficiency decreases
Solution Approach 1:
Biometric authentication data and user profiles are pre-collected and stored securely on the wearable device before payment operations are needed. Behavior patterns and risk parameters are pre-configured based on historical data. When a payment operation occurs, the system performs rapid comparison against pre-stored data rather than collecting and processing all authentication data in real-time, significantly reducing authentication latency while maintaining security.
Solution Approach 2:
For low-risk, routine payment operations, the system skips intensive verification steps and proceeds directly to approved transactions based on pre-validated user profiles and normal behavior patterns. The authentication process rushes through minimal necessary checks for trusted operations, reserving comprehensive verification for suspicious or high-value transactions, thereby maintaining efficiency for the majority of payments while preserving security for at-risk operations.
Data Source
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AI summary
Embodiments of this specification disclose identity authentication methods and apparatuses, smart wearable devices, media, and program products. The method is applied to a smart wearable device, and the method includes: obtaining, by the smart wearable device, a target payment operation of a target user; and obtaining, by the smart wearable device in response to the target payment operation, target identity authentication information corresponding to the target user; and determining, by the smart wearable device based on the target identity authentication information, a target identity authentication result corresponding to the target user.