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LookPay

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TECHNOLOGY

Under the interaction,
a real system.

Proximity starts the transaction. LookPay coordinates identity, authorization and ledger state. Regulated payment rails handle settlement. Here is exactly how it is built.

The transaction path

LOOKPAY / SYSTEM ARCHITECTURE
Operational

CUSTOMER APP

identity · proximity

Active
BLE / identity

MERCHANT TERMINAL

BLE · visual verification

HTTPS / events

LOOKPAY API

routing · transaction state

IDENTITY

cryptographic proof

PAYMENTS

wallet · ledger

PAYMENT PARTNER

settlement · rails

Live transaction path

PROXIMITY SIGNAL

Customer enters range

Event flow

01PRESENCECustomer enters range over BLE
02MATCHLookPay resolves a signed identity to a profile
03SELECTMerchant selects the customer on the terminal
04AUTHORIZEMerchant confirms the amount
05SETTLEFunds move over regulated rails; ledger completes

How it’s built

Presence & proximity

  • BLE advertising and scanning establish coarse location.
  • RSSI and relative-distance heuristics place the customer within a transaction zone.
  • Proximity is a signal, never an authorization.

Identity model

  • The LookPay app holds a private identity anchor on-device, bound to the phone hardware.
  • Biometric enrollment is local; raw vectors never leave the device.
  • Identity is presented as a signed proof — not as raw data.

LookPay orchestration

  • The LookPay API coordinates transaction state across customer, terminal and rails.
  • It routes an identity match, binds an intent, and opens a transaction.
  • It never stores biometric material or reusable credentials.

Security boundaries

  • Identity, proximity and payment are separated concerns with distinct boundaries.
  • The terminal only ever sees a verifiable profile and an amount to confirm.
  • No shared secrets are replayed; every intent is bound to a single interaction.

Ledger & settlement

  • Confirmed transactions produce an immutable ledger entry.
  • The wallet reflects intent-to-settle and settlement states.
  • Ledger completion is the point of record for both parties.

Regulatory model

  • Actual movement of funds runs over regulated payment infrastructure.
  • LookPay orchestrates; licensed rails clear and settle.
  • Merchant settlement is instant, without multi-day holds.