Description:Field of the Invention
A variety of fields, including biometrics, digital payment systems, and information technology, can be used to identify the field of invention for palm payment employing vein technology. It entails the creation and use of technology that verifies a person's identity and enables safe and practical money transactions by utilizing the particular vein patterns in their palm.
Background of the Invention
The development of biometrics and the identification of distinctive vein patterns in the human body served as the foundation for the background innovation of palm payment utilizing vein technology. Here is a quick rundown of the major developments:Vein Pattern Recognition: For many years, researchers have been working on vein pattern recognition technologies. Each person's veins are distinctive, and their patterns don't change over time. As an alternative to existing biometric modalities like fingerprint or iris identification, the idea of employing vein patterns as a biometric identifier first came into existence ofNear-Infrared Imaging: Near-infrared light is usually utilized in imaging methods to record vein patterns. For imaging purposes, hemoglobin in the veins absorbs near-infrared light that passes through the skin and makes the veins visible. This non-intrusive method makes it possible to capture.
US9390445B2 also refers to Embodiments of the invention provide strong user authentication on a consumer device without requiring the user to go through a formal registration process with the issuer or processing network. Certain embodiments allow the use of any biometric technology (e.g., fingerprint scan, iris scan, voice recognition, etc.) supported by their consumer device (e.g., smart phone, tablet computer, personal computer) to authenticate the user. Additionally, the consumer device provides unforgettable evidence of the biometric match in the form of a biometric digital artifact to provide proof to a processing network that the match occurred. The processing network maintains a history of these authenticated transactions and biometric digital artifacts and as more and more non-fraudulent authenticated transactions occur over time, a higher level of trust (i.e., lower risk) is associated with the consumer device, biometric registration process, and the user.
AU2018200898B2 similarly deals with A method, comprising: receiving (420), by a server computer, a biometric digital artifact in conjunction with a payment transaction, wherein the biometric digital
artifact is generated by a consumer device and comprises information regarding a type of biometric data, and a determination of a data match between a first biometric data of a user and a second biometric data of the user; determining (422), by the server computer, that the biometric digital artifact is valid by comparing the biometric digital artifact to a previously stored biometric digital artifact; and transmitting, by the server computer, an approval message after determining that the biometric digital artifact is valid.
US20080147481A1 claims that A system and method of providing an incentive to encourage those offering a biometric authorization system to promote its use. A biometric authorization system operator receives a reward, such as a dividend, when an individual he enrolled conducts a transaction via the biometric authorization system. As mentioned earlier, there must be a mechanism in the information Enrollment: The user registers their palm vein pattern when they first sign up for the palm payment system. The palm must normally be placed on a scanning equipment with near-infrared light technology to complete this operation. The system takes a picture of the palm's distinctive vein patterns, which are subsequently used to create a biometric template for identification in the future. Authentication: Much to the enrollment process, the user authenticates by placing their palm on a scanning device or sensor when making a payment. The tool takes a picture of the vein patterns and compares it to the registered template kept in a safe database. Modern algorithms examine the pattern that was collected and confirm the user's identity.
Summary of the Invention
Vein technology for palm payment is a cutting-edge payment mechanism that makes use of the distinctive vein patterns in a person's palm to provide safe and practical transactions. In order to build a strong and dependable payment method, this invention merges the domains of biometrics, digital payment systems, and information technology. Users can easily authorize payments with a touch of their palm by identifying and verifying their identification by employing near-infrared imaging to capture and examine vein patterns. The invention's background, technological components, benefits, prospective applications, and future advances are all covered in detail in this summary.
Brief Description of Drawings
The invention will be described in detail with reference to the exemplary embodiments shown in the figures wherein:
Figure-1: Flow algorithm representing the work flow of a plam payment technology
Figure-2: Diagrammatic representation of the working of the invention
Detailed Description of the Invention
Vein identification palm payment technology is a cutting-edge payment mechanism that makes use of the distinctive vein patterns on a person's palm to facilitate safe and practical transactions. To develop an effective payment system, this technology combines the domains of biometrics, image, and digital payment systems. Users may seamlessly and contactless validate their identification and authorize payments by employing near-infrared imaging to record and analyze the vein patterns.
Vein Pattern Acquisition: During the enrollment step, a specialized scanning instrument is used to record the user's palm vein patterns. The hemoglobin in the veins is absorbed by the near-infrared light that is emitted by this instrument, penetrating the skin and making the veins visible for imaging. Unique vein patterns are captured by the scanner. Palm payment technology using vein recognition offers a secure, convenient, and contactless payment method that leverages the unique vein patterns in an individual's palm. By combining biometrics, imaging technology, and digital payment systems, this innovation ensures reliable authentication, secure data transmission, and a user-friendly experience. With its enhanced security, scalability, and potential applications across various industries, palm payment using vein technology has the potential to transform the way we make payments in the future.
This process is achieved by:
Enrollment: The user begins by enrolling in the palm payment system. They present their palm to a specialized scanning device equipped with near-infrared imaging technology. The device emits near- infrared light, which penetrates the skin and is absorbed by the hemoglobin in the veins, making them visible for imaging. The scanner captures the unique vein patterns in the palm and creates a high-resolution image. Advanced algorithms process the image to extract the unique features and characteristics of the vein patterns. The extracted features are used to generate a biometric template that represents the individual's palm vein pattern. This template is securely stored in a database for future identification purposes.
Authentication: When a payment is initiated, the user presents their palm to a scanning device or sensor. The device captures the vein patterns of the presented palm using near-infrared imaging. The captured vein patterns are compared with the stored biometric templates in the database using complex matching algorithms .The matching process analyzes the patterns and determines if there is a match between the presented palm and the enrolled template. If a match is found, the user's identity is authenticated, and the payment process continues. If there is no match, the authentication fails, and the payment is not authorized.
Payment Authorization: Once the user's identity is authenticated, the palm payment system initiates the payment authorization process. The payment details, such as the transaction amount and recipient, are securely transmitted to the payment network or the merchant's system. The payment network verifies the transaction details and ensures the availability of funds or the validity of the payment method. Upon successful authorization, the payment is completed, and the appropriate amount is deducted from the user's linked account or digital wallet. A confirmation of the transaction is provided to the user, indicating the successful payment. Security Measures: Palm payment technology using vein recognition incorporates robust security measures to protect against fraud and unauthorized access. Vein patterns are highly unique and difficult to counterfeit, providing a secure biometric identifier for authentication. Encryption techniques are employed to ensure the secure transmission of payment details and protect sensitive information from unauthorized access or tampering. The system follows industry standards and best practices to safeguard user data and maintain the integrity of the payment process. The main reason for proposing the palm payment is make transactions easily and to make user friendly even without phone we can make transition just by using hand.
Advantages of the proposed model,
Enhanced Security: Vein patterns in the palm are highly unique and difficult to replicate. By utilizing vein recognition as a biometric identifier, palm payment technology enhances security and reduces the risk of fraud, identity theft, and unauthorized access. The reliance on a person's unique vein patterns adds an extra layer of security compared to passwords, PINs, or signatures, which can be easily compromised.
Contactless Transactions: In an era where contactless interactions are increasingly preferred, palm payment technology eliminates the need for physical contact with payment terminals. Users simply need to place their palm on a scanning device or sensor, reducing the risk of germ transmission and enhancing hygiene. This contactless feature is particularly relevant in situations where maintaining a hygienic environment is crucial, such as during a pandemic.
Convenience and Efficiency: Palm payment offers a convenient and efficient payment method. Users can complete transactions with a simple touch of their palm, eliminating the need to carry physical payment cards or cash. This streamlined process saves time and effort for users, making transactions quicker and more convenient. Additionally, users do not need to remember passwords or PINs, further enhancing the user experience.
User-Friendly Experience: Palm payment technology provides a user-friendly experience. The touch-based interaction is intuitive and natural, requiring minimal effort from users. Placing the palm on a scanning device or sensor is a familiar gesture and can be easily adopted by individuals of different age groups and technological backgrounds. The system can be designed with visual cues or feedback to guide users through the process, ensuring a smooth and user-friendly payment experience.
4 Claims & 2 Figures , Claims:The scope of the invention is defined by the following claims:
Claims:
1. The proposed invention palm payment pay (PPP) comprises,
a) Dynamic authentication can be used by observing real-time blood flow data in the veins rather than just static vein patterns. This increases security because it is very challenging to duplicate or fake a transaction using a documented vein pattern.
b) To monitor transaction trends and spot anomalies or suspect activity, sophisticated algorithms and machine learning approaches might be used.
c) The system can send out notifications or immediately stop further transactions if any fraudulent behavior is identified, such as strange spending patterns or multiple transactions in a short period of time, until the user identity is verified.
2. As per claim 1, by using palm payment we can only pay in stores, but we can also able to share payments with our friends ,family etc
3. As per claim 1, Multiple bank accounts can be linked in the app for making transactions. In palm payment pay we will be developing a app for the vein database and will we be having the banks in the app
4. As per claim 1, face recognition is used to complete payment because vein data can be manipulated.