Title of Invention : Biometric Fund Transfer Network ( BFTN)
Field of Invention: The invention pertain generally to fingerprint payment transaction.
More particularly, this invention relates to the use of fingers as payment transaction and
verification tool at the point - of - sale for a transaction. BFTN system replaces the credit/
debit network with fingerprint payment network, that means in future all the electronic fund
transfer will be done by user's fingerprints, hence user will not be needed to carry plastic
money (credit / debit card) all the time. In simple words, we sum up it as "credit cards will be
in user's fingerprints".
All the transaction related information of user will be in association with user's fingerprints
and stored in databases. To carry out electronic fund transfer instead of swiping card on
swipe machine, user just need to put his finger on a fingerprints scanner that does the job of
digitalising the inputted fingerprint and send them to a remote system, that does the further
user verification and a payment gateway that completes the transaction on successful
verification.
This invention has benefits and advantages over already existing transaction systems in many
ways. The biometric payment transaction makes use of fingerprints as the transaction entity
that provides user high level of security, as fingerprint is the most unique trait of an
individual and thus only the authorised person is supposed to be present at the transaction
location. It is highly efficient in the way , user don't need to carry any transaction entity like
credit/ debit card, this facility completely reduces the risk of theft, loss or damage which is
there in carrying such payment card. This invention also provides the credit and debit
payment facility to the user by the ease of fingerprints , hence user doesn't need to carry
separate cards for such transactions.
The main idea of this invention is the card-less payment transaction in which fingers play the
role of credit/ debit card in the transaction process and the transaction tool is the fingerprints.
Background of Invention : Biometric verification is a means by which a person can be
uniquely identified by evaluating one or more distinguishing biological traits. Unique
identifiers include fingerprints, hand geometry, earlobe geometry, retina and iris patterns,
voice waves, DNA, and signatures. The oldest form of biometric verification is
fingerprinting. Historians have found examples of thumbprints being used as means of unique
identification on clay seals in ancient China. Biometric verification has advanced
considerably with the advent of computerized databases and the digitization of analog data,
allowing for almost instantaneous personal identification.
The existing application of biometrics are in:-
1. Time and Attendance Management that keeps the daily attendance record of a person in
any desired place.
2. Surveillance that deals with screening large crowds for fugitive criminals or missing
children, or border control.
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3. To determine the citizenship of a person .
4.Application in some commercial purpose like computer network login, electronic data
security, e-commerce, Internet access, physical access control, cellular phone, PDA, medical
records management, distance learning, etc.
5. Government applications such as national ID card, correctional facility, driver’s license,
social security, welfare-disbursement, border control, passport control, etc.
6. Forensic applications such as corpse identification, criminal investigation, terrorist
identification, parenthood determination, missing children, etc.
Biometric Fund Transfer Network is a new and another application of Biometrics, as it links
the Identification and Authentication process of Biometrics with Online Payment Transaction
System. So, in other words BFTN have the power of replacing "plastic money card" by
"fingers" of the customer. Just like any Credit or Debit card has all the relevant information
about a user regarding online payment transactions, fingerprints of user will going to have the
same. That is, all the account information would be linked up with the fingerprints of user.
He/ She can carry out any Online Transaction by authenticating itself by his fingerprints on a
Fingerprint Scanner that is going to be incorporated with the existing financial infra like
ATMs and banks.
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Description of Invention : Biometric Fund Transfer Network is also known as BFTN.
By the ease of BFTN all the payment transactions can be carried out with Biometric Security.
BFTN will rely on user's fingerprints rather than any payment card to let him do online
payment transactions. In present phase, to carry out any payment transaction user will add
money to its b-wallet account from his bank account and in future , when banks will also tie
up with this system then necessity of carrying plastic money will get reduced completely.
Fingerprints will play the role of such payment entities.
There are various types of biometric measurements in common use today. The types of
biometric measurements include fingerprint verification, hand geometry, voice recognition,
retinal scanning, iris scanning, signature verification, and facial recognition. Each biometric
device and system has its own operating methodology. The process for any given individual
usually begins with an enrolment process. The BFTN system rely on fingerprint measure of
biometrics. The samples are stored in a “biometric database” and are used for future
comparison during authentication and payment transaction. Once enrolment and storage are
complete, users authenticate themselves by verifying the information stored in database
against current input (“live data”). Live data, in comparison with the database, would give a
corresponding response.
Fingerprint verification is a well-known type of biometric measurement. If properly
implemented, fingerprints provide high accuracy and at relatively low cost. Hand geometry
measures physical characteristics of the individual's hand and fingers and is widely used in
physical access control systems. Voice recognition remains difficult to implement. Despite
recent advances in voice recognition technology, background noise, microphone quality, the
common cold, and anxiety can alter the human voice enough to make voice recognition
difficult, if not impossible. Voice recognition technologies include telephone authentication.
Extraction and pattern matching algorithms embedded on computer chips are used to analyze
voices. Retinal scanning is well established and highly accurate, however, it requires that the
individual look directly into the retinal reader. Retinal scans shoot a low-intensity beam of
light into the eye and record the pattern of veins in the eye. Iris scanning overcomes most of
the problems of retinal scanners and does not require direct contact with the scanner, nor does
it require the individual to remove eyeglasses. The technology works by scanning the unique
random patterns of the iris. Unlike retinal vein patterns that can change over time, the iris is
unique and does not change during a person's lifetime. Facial recognition systems measure
characteristics such as the distance between facial features (e.g., pupil to pupil) or the
dimensions of the features themselves (such as the width of the mouth). Neural network
technology or statistical correlations of the facial geometric shapes are used with this kind of
system. Signature verification is a relatively accurate system and is treated separately from
the other forms of biometric systems described herein.
With fraudulent check losses alone reaching ten billion dollars annually, the banking industry
is striving for ways to reduce these losses. Many proposals have been presented over the last
five to ten years. One approach is placing the individual's fingerprint on a sticker and
attaching the sticker to the check being presented. Among the more sophisticated approaches
is the use of smart cards that have a chip containing biometric information of the account
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holder. The biometric information stored on the chip can be compared with the biometric
information of the person presenting the smart card at the transaction location. However,
these alternative methods of reducing fraudulent activity are not meeting the needs of
industry. The use of fingerprint stickers are a restriction for a less sophisticated forger, but the
process of identifying the fingerprint on a sticker can take a long time in crime labs due to
their backlog and their obvious priority of processing fingerprints obtained from crime scenes
in which crime involving violence occurred. Smart cards with embedded biometric chips are
used with credit cards or debit cards, but still do not prevent the more sophisticated identity
thief . The more sophisticated identity thief steals account information and then produces his
own credit card containing his own biometric information embedded in the chip. When the
identity thief presents his biometric information at the transaction location, the verification is
being made against an already faulty biometric sample stored on the chip.
Card- less processing systems are developed to speed up the process of check-out at a
transaction location as it does not require the user to present any transaction card and by
verifying the identity of the person presenting payment with the card-less processing system.
Current existing system uses the biometric measure for verification purpose only. That is,
biometry has been incorporated with the already existing card based processing system. The
main drawback of present electronic fund transfer system is that it still needs a physical
transaction entity to keep with user always. Also it is a time consuming process because it has
separate measures for verification and payment transaction tasks. Card based transaction
system does not prevent a thief from either stealing or fabricating the registered person's
physical token (e.g., check, credit card, etc.) and presenting it at transaction location. In
BFTN system task that is verification and payment transaction both carry out by a single
biometric measurement that are fingerprints. BFTN never face the threat of stealing any such
transaction tokens hence it is highly secured. All the existing Biometric system are only
concern with security system but BFTN is a payment transaction system.
The three modules of BFTN system are Mobile Applications, System Softwares and
Fingerprint Scanning devices. BFTN has replaced plastic money (debit card/ credit card)
with fingerprints to carry out payment transactions. BFTN is an online prepaid account.
Unlike the plastic payment card, the money comes directly from the user's fingers. BFTN
may bear a stored value, with which a payment is made, while most relay a message to
consumer's bank to withdraw funds from its bank. A fingerprint scanner's job is to take the
place of a human analyst by collecting a print sample and comparing it to other samples on
record. A fingerprint scanner system has two basic tasks -- firstly it gets an image of your
finger, and secondly, it determine whether the pattern of ridges and valleys in that image
matches the pattern of ridges and valleys in pre-scanned digitised images. The pre scanned
image is the binary conversion of actual fingerprint, that signifies a unique binary code for
ridges and valleys of any individual. The algorithm cannot be reconverted to an image, so no
one can duplicate the fingerprints.
Mobile App for BFTN- The Mobile App referring as b-Wallet for BFTN would be a
platform where user will be provided to create his/her profile. After creating profile ,user will
be given a unique login id and password to access his account so as to ensure that only the
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actual person will access his/ her account and nobody else. Mobile app will be provided with
all the important transactional and non-transactional options that a user will select according
to his/ her need. Mobile App will have all the transactional information about the user. After
two-step authentication involving fingerprint verification and code verification that can be a
PIN, OTP or biometric verification itself, the user's mobile account is charged for the
purchase. It is an advanced payment method that does not require the use of credit/debit cards
or pre-registration at an online payment solution, thus bypassing banks and payment card
companies altogether All the transactional and non-transactional information will be stored in
the dedicated database of mobile app. Instead of paying with cash, cheque, or credit cards, a
consumer can use a mobile phone to pay for a wide range of services and digital or hard
goods . b-Wallet will also let the user to edit his details from BFTN and b-Wallet database.
The services that a BFTN Mobile App is going to provide includes:-
1. in all the e-recharge of mobile, D2H and Data Card.
2. in booking e-tickets for railway and flights.
3.e- commerce that will have the facility of online fund transfer, online shopping and all other
online transactions.
4.in paying e-instalments.
5.all other bill payments etc.
Benefits of Mobile app (b-Wallet) :-
1. Security:- By paying with b-Wallet, user keep his b-Wallet account information private,
meaning that user can shop without worrying about online frauds.
2. Flexibility: - b-Wallet relieve its users of facing embarrassment and hassle in the case their
credit /debit card get declined while trying to purchase goods and services online. User can
recharge the b-wallet account in such case by transferring fund from his bank account into bwallet
account and hence can easily make online payments.
3. Send Money:- Whether a b-wallet user need to send money to another b-wallet user, they
can instantly transfer money to them in few steps. Save time and money over typical transfers
methods while getting money to where user wish to send it faster than ever.
4. Usability :- The b-wallet makes it easy to shop online and transfer money wherever user
is. All he have to do is visit the Android Play Store and search for the b-wallet app and he
will be ready to transfer, send money, pay bills, review his transaction history, and make
purchases right from the palm of his hand. Because b-wallet will ask users to confirm
transactions with a verification code, user can rest assured that his finances are safe in case if
his phone get lost or stolen.
5. Cost- Efficient :- One of the best reasons for using b-wallet is cost efficient. No annual
membership fees, no processing fees. Users of b-wallet get all the powerful advantages
associated with the service and do not have to pay one dime.
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Software for BFTN- While making any transaction user first put his fingers on the
fingerprint scanner . A Biometric data reader in the scanning device read and digitally
encode an inputted biometric data i.e., fingerprints and send them to BFTN Remote System
via Data Transmission Channels. BFTN system comprises of a central processing system and
related databases. Central processing system authenticate the user by matching inputted
biometric data with the information stored in database. If the match is found, the user is
validate to carry out further transaction, and if data does not verify, the user will not be
validate for any further transaction .The further payment transaction carried out through
BFTN Payment Gateway.
A BFTN Remote System is a device that acts as a medium to interact with the database so as
to carry out all the verification and transaction processes.
Databases of BFTN- The database of BFTN is the centralised repository that will store all
the information about the users who are registered with the BFTN. This will have all the
transaction details of every particular user. BFTN database exists solely to manage the
working of BFTN system. In that, they control, store, revise and publish data in payment
systems to make their operations possible. It would be reached through the software when
user log in or resister (for a new member) and acts as an admin for BFTN systems. For
registered members, it is capable of integrating payment gateways so that user can gain
access to their payment processor and transact their business.
Key Points :-
1. Payment Transaction by Fingerprint.
2. It implies credit /debit card in your fingers.
3. Easy Payment transaction through Mobile app/ Software by Biometric Identification.
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Features
1. Biometric Fund Transfer Network is a time saver system as user does not require to
swipe card or fill forms or checks for carrying out payment transactions.
2. Easily compatible with existing system, just need to add fingerprint scanner with
existing financial infra like ATMs and Banks.
3. BFTN system is a fingerprint based payment transaction system for which a user needs
to be present in the physical form. It ensures that only the authentic person carry out
the transaction and no other unauthorised person.
4. The existing payment transaction rely on transaction entities like credit/ debit card that
often faces the threat of loss, theft and damage. As BFTN system relies on fingerprints
thus it does not involve the need of carrying any such transaction entity, it never faces
any such threats.
5. BFTN system is pure digitalised banking phenomenon as it reduces the need to carry
cash, to fill forms for any kind of transaction, to fill cheque. Everything is done
through dedicated software, and hence the transactions are digitalised.
6. BFTN system has a very user- friendly interface, it is highly secure and accurate
method of payment transaction. Hence, anyone can use the BFTN system.
7. As BFTN system completely reduce the need of forms and checks in payment
transactions, it is also a paper-less payment transaction system.
8. BFTN system is fast and quick as compared to other online payment transaction
system, like you don't need to swipe any card and wait for its processing. It is easy to
apply for BFTN, as it gets activated instantly.
9. BFTN system provides complete relief from transaction fraud because human
fingerprints are detailed, extremely unique, difficult to alter, and durable over the life
of an individual, making them suitable as long-term markers of human identity.
10. BFTN system will send the transaction details to its customers on their smart phones
and also update it regularly.
11. In future, BFTN system will also let it users to withdraw cash from ATM machines.
User will also be able to use BFTN in daily important purposes like shopping from flea
market, auto, buses, parking etc. in future
12. BFTN is a preloaded facility from where consumer can carry out many important tasks
like booking of e-tickets, e-commerce, e-instalments, e-recharge, all bill payments.
13. User can use BFTN to every possible place where user need to carry debit/ credit card.
While using BFTN user can pay electricity bills, can be used in metros, wall-marts
and every possible field.
14. BFTN system do not involve any kind of making charges which is there in issuing a
credit/ debit card.
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Advantages
1. Extremely convenient - In BFTN user doesn't need to swipe card or write out a
cheque for carrying out any payment transaction. Instead of this, fingerprints are used
in place of any physical transaction entity.
2. It's Card less and Cash-less too - In BFTN system users don't need to carry cards or
money with themselves for making payments. Some places like flea markets or small
shops may not have the facility of BFTN then the user can withdraw money from
ATM without the use of any card. So, it is highly useful.
3. Cost- Efficient- When applying for a credit or a debit card bank need to pay the extra
money and courier charges to the service providers like card making, printing and
courier cost but , the biometric fund transfer does not charge any such cost, as it is
card-less system. It is cost-efficient for both user and associated banks.
Also, the cost of credit/ debit card swipe machines ranges up to Rs.75,000.
Fingerprints which are playing the role of credit/ debit card , their cost ranges up to
only Rs. 4000 which is far less than the costing of swipe machines and in future
updates this physical device will get replaced by a software to gather biometric data
from the user, hence this cost will also reduce to a high extent. Hence, BFTN system
is a highly cost- efficient system.
4. Highly secured- BFTN is protected with three kinds of authentication that is - PIN
authentication, OTP authentication and Fingerprints authentication to complete almost
any payment transaction.
5. Hurdle less transaction -Inconvenience faced by user while making payments like
incoming call during the transaction on mobile phone, system hang and low battery
issue, will not annoy its consumer and thus can overcome all these problems with
BFTN system.
6. Fraud Protection - While using existing transaction entities like credit/ debit card,
anyone other than the authorised person can represent the card at transaction location
like in ATMs, Shops and in Online Shopping and carry out the payment transaction.
But, when a person is using fingerprints as the transaction entity, there is no chance of
such fraud because fingerprint is the most unique trait of an individual and thus the
authorised person needs to be present at the transaction location.
7. Credit and Debit Facility- After successful verification, to carry out any payment
transaction BFTN system provides three options to user, those are 1. Credit, 2.Debit
and 3.Credit + Debit. In debit option payment is done through b-wallet cash, that a
user adds into his b-wallet account from his bank account. In credit option, issuing
entity gives certain limits of credits to the user, that the user pays back to issuing
entity later. User can choose Debit + Credit option if he wants to proceed for payment
transaction in either of the option. This feature provides high flexibility in carrying
out payment transactions.
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Summary
The realisation described herein, signifies the use of biometric samples provided by a person
at a transaction location, thereby accepting the biometric sample as a verification and
transaction tool.
Various representation for Biometric Fund Transfer Network include a biometric data reader
for checking authentications of biometric tool, which has the ability to scan the biometric
information and gather biometric data that is fingerprints. In BFTN system, the biometric tool
includes the bank routing number, account number and other verification and transaction
related information. Transaction location refers to the place where the user or customer enters
his biometric data into the biometric data reader. The reader preferably digitizes fingerprints
of the customer at the transaction location, and transmits the data through a Data
Transmission Channels, to a central processing system, whereby the inputted data is
compared with an existing database of information to determine if the customer at the pointof-
sale is in fact authorized to use the account, and after successful verification, transaction is
completed.
In various representation of Biometric Fund Transfer Network include a process that checks
the money availability in user's b -Wallet account by a BFTN payment gateway which sends
back the response of checking in binary yes or no result. If the result is yes, means that the
user has sufficient money in b-Wallet and hence can go for the next level for transaction and
if the result is a no, means that the user does not have sufficient money in b-Wallet account
and in this case user is given an option to add money in his b-wallet account. If user selects
yes option money is added to the account and if user selects no option , transaction gets
denied.
Another representation of Biometric Fund Transfer Network includes a Transaction process
which is carried out after checking the money availability of the user. In this process, user is
asked to enter the verification code so as to authenticate it to carry out transaction. BFTN
Remote system matches the inputted verification code with the code already stored in
database of the particular user. If both the codes match, transaction is completed otherwise
access is denied.
Accordingly, various representations described herein have a practical application in that they
provide a biometric verification cum transaction system to a merchant for use at a transaction
location, which determines if the user/customer is authorized to use a specific account.
Various representations of the biometric verification cum transaction system described
herein further have industrial applicability in that they provide a computer system which
works on a biometric data that is precise with not easily forgeable measurements of a
customer, that is fingerprints, and that can be digitally encoded and processed. Thus, the
various representations can be quite economically beneficial to a merchant utilizing the
system.
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BRIEF DESCRIPTION OF THE DRAWINGS
The disclosure is better understood by reading the following detailed description of the
various representations in conjunction with the accompanying drawings.
FIG. 1 is a block diagram of representation of the BFTN System, illustrating an user that
transmit biometric information through Data Transmission channel (DTC) received by a
BFTN Remote System where the verification is done and then passed to BFTN Payment
Gateway for payment transactions.
FIG. 1(a) is a flow diagram of an exemplary representation of the BFTN System includes
three main processes that are Verification Process, Check Money Availability Process and
Transaction Process. In the Verification Process it takes biometric data and transmit to a
BFTN Remote System and generate response. In the Checking Money Availability Process
that checks the money availability in b-Wallet database and generate response. In the
Transaction Process it includes code verification and complete the transaction process.
FIG. 2 is a block diagram illustrating the working of BFTN Remote System to check the
verification of user by a Central Processing System with an Information Database and a
Result Generator.
FIG. 2A is a flow diagram illustrating an elaborate representation of the user verification
system that checks the coming DTC Information Request against an Information database, a
Result Generator that sends back a DTC Information Response.
FIG. 3 is a flow diagram that represents the working of BFTN Payment gateway that checks
the money availability in a b-Wallet Database, and generate response back to the user
indicating about the money availability.
FIG. 4 is a flow diagram illustrating the Verification and Transaction Process that verifies the
verification code in the form of PIN, OTP or digital fingerprints so as to complete the
biometric fund transfer process.
FIG. 5 is a flow diagram of Registration Process illustrating the enrolling of a user where all
the registration related information is gathered and transmitted to the BFTN Remote System,
that checks the already existence of any new record.
FIG. 6 is a flow diagram that illustrates the Data Storing and Checking Process in BFTN
Remote System that checks the already existence of new user and store the data if user does
not exists and store the user provided registration data with/to Information Database.
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DETAILED DESCRIPTION OF THE VARIOUS REPRESENTATION
The following detailed description is directed to certain specific representations. Those
skilled in the relevant system will recognize that various changes can be made to the
representations described, while still obtaining the advantageous results described. It will also
be obvious that some of the desired advantages of the various representations described
herein can be obtained by selecting some of the characteristics of the representations
described herein without utilizing other characteristics. Accordingly, those who work in the
system will recognize that many modifications and revisions to the present invention are
possible and may even be required in certain circumstances and are a part of the present
invention. Thus, the following description is provided as illustrative of the principles of the
various representations of the Biometric Fund Transfer Network and not in limitation thereof,
since the scope of the present declaration is defined by the claims.
Referring now in greater detail to the drawings, in which like numerals represent like
components throughout the several views, FIG.1 illustrates a block diagram where the
participating entities include a User-1, Data Transmission Channel- 2, BFTN Remote
System- 3, and a BFTN Payment gateway-4. Here, the user first enters the biometric data by
a Biometric Data Reader in the form of a DTC Request via a Data Transmission Channel ,
the DTC request is received by a BFTN Remote system that has a central processing system
that process the request with various databases that contains the relevant user information.
BFTN system checks the inputted data with the information stored in databases. If inputted
data is not found in the databases the any further process for payment transaction is get
denied. If the data is found than the user is declared authenticate and then the BFTN Remote
system send a BFTN Remote Request to BFTN Payment Gateway for the purpose of
payment transaction. After the successful transaction BFTN Payment Gateway returns a
Response back to the user via BFTN Remote system informing the user regarding successful
payment.
FIG 1(a). This flow diagram depicts the overall working of the BFTN system. The whole
process is divided into three phases : Verification Process, Checking Money Availability
Process and Transaction Process. Any complete transaction go through all the three defined
phases in series. In Verification process the main entities involved are the user-1, a biometric
data reader-5 and a BFTN Remote system-3. As the name signifies this phase is for the
verification of the user at the transaction location. First the user enters the biometric data to a
Biometric Scanning Device. Biometric data is the combination of his fingerprints that he
registered to the issuing entity during the time of registration. The fingerprints of the user act
as both Verification Process and Transaction Process .The Biometric data reader-5 present in
the biometric scanning device encodes the fingerprints into digitised form. After encoding of
biometric data a DTC request regarding verification of the user is transmitted to BFTN
remote system-3 for the purpose of matching the inputted data of the user with the database
of registered users. The BFTN system is consist of a central processing system that in one
hand receives the DTC Request from the Biometric Data Reader-5 and at other hand it checks
the data encrypted in the coming DTC Request with the data already present in the
Information database and returns the DTC Response accordingly. DTC Response contains the
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result regarding the verification process. If the match is found DTC Response contain a
message that user is registered and authenticate to proceed for next level and if, the match is
not found DTC Response contain a message indicating that the user is not registered and thus
not authenticate to proceed further and transaction get denied-8.
Now if the user is verified he comes under the next phase that is Checking Money
Availability Process. The main entity involved in this process is the BFTN Payment
Gateway- 4. User first enter the billing amount at the point-of- sale to be paid to the
merchant. The DTC Request for the checking the available amount is send to the BFTN
Payment gateway. BFTN Payment gateway checks that if the user has sufficient amount in
his B-Wallet account to be paid to the merchant and generate a corresponding result. If the
result is yes, then user can now go for further processing and if the result is no, then the
access get denied-8.
When user has sufficient money to pay he can access the Transaction Process. The main
entity involved in this process is the BFTN Remote System-3. A computer system asks the
user to enter a verification code-11 that can be a unique PIN, OTP or the digitised fingerprint.
Unique PIN is the number that an issuing entity provide to the user at the time of registration
that is associated with user's biometric sample. OTP is the One Time Password that is
generated to the registered mobile number of the user. Digitised fingerprints are the encoded
biometric sample that verify the identity of user during the transaction process. User can
select either of the three options. After receiving a verification code a DTC verification
request is send to the BFTN Remote system that check them against the verification code of
the specific user from database and returns a DTC Verification Response that contains a
result indicating the verification report. If the user enter a valid verification code then the
process get completed-13 and if user enters an invalid verification code access get denied-8.
FIG 2. is indicating the working of BFTN Remote System-3. The main entities involved in
this process are a Central Processing Unit-15(CPU) and Information Database-16. In the
initial verification process user enter biometric data in the form of fingerprint into a
fingerprint scanner , a DTC Request-14 for checking the biometric data is send to the central
processing system-15 that is in link with Information databases. Central Processing system
matches the inputted biometric data with the biometric data stored in database for the
particular user. After checking CPU-15 generate a verification result in the form of a DTC
Response-18.
FIG 2(a) is indicating the working of initial verification process. DTC Request containing the
biometric sample from user is received by a central processing system which is in link with
Information database-16. Information Database contains all the biometric and personal
information of already registered users. Central processing system checks that if the
biometric data given by the user matches with the data present in database, and return a
Success-20 DTC response indicating that the user exist is authenticate to carry out further
transaction and if, the inputted data do not match with the data in database, it will return a
Failure- 21 DTC response indicating that the user do not exist and is unauthorised and
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central processing system deny the access to carry out further transactions for the
unauthorised user.
FIG 3 is indicating the working of BFTN Payment Gateway that checks the money
availability of user in b-wallet account. BFTN Payment gateways help to protect sensitive
account information by encrypting the transaction related data they transmit to merchants and
payment processors. The main entity involved in the working of BFTN Payment gateway is
the B-WALLET database-25. B-WALLET database contains all the account information of
the user. After the user verification process, if the user is successfully verified, a DTC
Request-22 for checking user having money-24 in the user's B-WALLET account is send to
the B-WALLET database. If the user has sufficient money to be paid to merchant, BFTN
Payment Gateway send a DTC Response-22 to the user and take the transaction process to
next level. If user do not have sufficient amount to be paid to merchant, BFTN Remote
System give an option to user to add money- 26 in B-WALLET. If user selects yes option
money is get transferred to B-WALLET account from his bank account, and user selects no
option a DTC Response-23 is send back to user indicating the denial of transaction.
FIG 4. is indicating the working of final Verification and Transaction Process. First the
verification and then the payment transaction is done. The main entities involved in this
process are a Central Processing System-15 and Information Database-16. CPU is
associated with one or more databases through which verification process is done. When user
enters a verification code a DTC Verification Request-27 is generated and received by CPU.
CPU then checks that if the verification code matches with the one which is already stored in
the database of that particular user. After checking process, CPU returns a DTC Response-28
back to user.DTC Response is the result of verification process. If the inputted verification
code is same as the one that is in database, money from user's B-WALLET account is get
transferred to receiver's account and transaction get completed 31 and if, the verification code
inputted by the user is incorrect than a DTC Response-28 is send back to user indicating the
cancellation of transaction process.
FIG 5 is indicating the working of Registration Process which is a process to enrol a new user
in BFTN system. The main entities involved in this process are user-1, Biometric Data
Reader- 32, Personal information Reader-33 and a BFTN Remote System-3. In order to
register, user provide their biometric and personal information to the issuing entity. Biometric
data is essentially the combination of fingerprints that will act as the tool to carry out
biometric payment transactions. Personal information is generally the name , address, DOB,
email, phone no and all other relevant information about the user. After providing both
biometric and personal information, a Biometrics Data Reader encode the user provided
fingerprints into digitised form. BFTN Remote system-3 link the personal data of user with
his digitised biometric data and store them in database . Whenever a new request from any
user is generated for registration , BFTN Remote system first checks that if the user already
exist by matching the inputted registration data with the already registered data from
Information database. If the match is found, means that the user already registered, so BFTN
system returns response to the user informing that User Already Exist-36. If the match is not
found, that means that user is not registered and thus BFTN Remote system enrol the
14
unregistered user, indicating the successfully registration and display the registration data-38
to the user. . After successful registration, issuing entity issues a B-WALLET account to each
new user.
FIG 6 is indicating the overall mechanism of Data Storing and Checking Process in BFTN
Remote System. In this scenario a registration request that contains the biometric and
personal information of the user, is received by a central processing system that does the
checking of inputted Registration Data with the data of registered user in Information
Database-16 in order to check that if the new user is already registered or not. Information
Database-16 that is a part of BFTN Remote System-3 returns the registration response back
to the central processing system informing about existence or non- existence of the user. If
the matching is give true result, that means that the user is already registered and if the
matching gives false result, that will mean that the user is not already registered and hence
enrol this new user by storing all the inputted registration information back into the
Information database. After successfully registration, each user is provided with a B-wallet
account from where he can access the BFTN system. b-Wallet contain all the personal and
transactional details of the user.
15
LIST OF SIGNS AND ABBREVIATIONS
1 User
2 Data Transmission Channel
3 BFTN Remote System
4 BFTN Payment Gateway
5 Biometric Data Reader
6 Encode the Biometric Data
7 Generating user verification result from Remote System
8 Access Denied
9 Enter the Billing Amount
10 Generating Result from Payment Gateway
11 Enter Verification Code
12 Generating code verification result from Remote System.
13 Transaction Process Complete.
14 DTC Request
15 Central Processing Unit
16 Information Database
17 Result Generating after comparing with database
18 DTC Response
19 Checking with database
20 Success
21 Failure
22 DTC Request for checking money availability
23 DTC Response after checking money availability
24 Checking user having money
25 B-wallet database
26 Add money to user b-wallet account
27 DTC Request for Verification and Transaction Process
28 DTC Response after Verification and Transaction Process
29 Checking Verification Code
30 Transfer money to user's account
31 Transaction Completed
32 Record biometric data of user
33 Record personal information of user
34 Data Gathering Process
35 Generating verification result in Registration Process
36 Result informing user already exist
37 Registration successful
38 Display Registration data.
39 Checking registration data with database
40 Storing data in database
41 Result of Data Storing and Checking Process
DTC Data Transmission Channel
BFTN Biometric Fund Transfer Network
CPU Central Processing Unit
DTC Request Data Transmission Channel Request
DTC Response Data Transmission Channel Response

CLAIMS
What is claimed is:
1. A Biometric Payment Transaction System where a biometric tool is presented by a
user for electronic payment transaction, the system comprising:
a biometric data reader configured to generate biometric data from an individual
representing the user; and
a data transmission channel configured to transmit desired biometric information to a
central processing system and receive information from the central processing system;
wherein the central processing system is configured to access one or more databases,
including information associated with a plurality of biometric tool registered to the
issuing entity ;
a Payment Gateway to allow a receiving entity to carry out online payment
transactions by the charge of biometric tool ;
a b-Wallet account that is issued by an issuing entity so as to access the Biometric
Payment Transaction System.
wherein the central processing system is configured to:
i. compare the inputted biometric data from the user with the biometric information that
is stored in the database during registration process.
ii. checks the availability of money in user's b-Wallet account during checking money
availability process.
iii. compare the inputted verification data with the verification data stored in database
during payment transaction process.
iv. compare the inputted registration data with already registered user's data.
v. transmit a decision to accept the biometric data if the biometric data from the
individual verified or not with a biometric information stored in database.
vi. transmit a decision to carry out transaction if receiving entity have sufficient money.
vii. transmit an option to add money if receiving entity do not have sufficient money.
viii. transmit a decision to accept the verification data if the verification data from the
individual verified or not with the verification information stored in database.
ix. transmit decision to accept a new registration if registration data from the individual
do not verify with the registered user's data.
2. The system of claim 1, wherein the biometric tool are the fingers.
3. The system of claim 1, wherein the biometric data reader are fingerprint scanners.
4. The system of claim 1, wherein central processing system is the BPTS Remote
System.
5. The system of claim 1, wherein the payment gateway is the BPTS Payment Gateway.
6. The system of claim1, wherein the databases are Information database or the b-Wallet
database.
7. The system of claim 1, wherein the biometric information comprises : all verification
information like digital copy of his fingerprints and all transaction related information
like user biometrics, name of user , verification code etc.
8. The system of claim 1, wherein the biometric tool and the biometric data reader is
incorporated with the central processing system by some communication medium.
9. The system of claim 1, wherein the biometric tool and the biometric data reader are
connected remotely with the central processing system.
10. The system of claim 1, wherein the b-Wallet is a software to access the Biometric
Payment Transaction System. b-Wallet account contain all the personal and
transactional related information of the user.
11. A method of processing a biometric tool registered by the user ,the method
comprising:
receiving encoded biometric tool information associated with the biometric data
reader,
accessing information from one or more information databases, accessible via a
central processing system, wherein said one or more information stores include
information associated with a plurality of biometric tool,
accepting the biometric tool if the inputted biometric information verifies with an
plurality of biometric tool information from information databases.
11. The method of claim 10, wherein the biometric tool are fingers.
12. The method of claim 10, wherein the biometric tool information is the digitalised
encoded fingerprints.
13. The method of claim 10, wherein obtaining biometric information comprises
combination of one or more fingerprints.
14. The method of claim 10, wherein the encoded biometric tool information is received
in substantially real time.
15. The method of claim 10, wherein the individual is the user.
16. The method of checking money availability in user's b-Wallet account, the method
comprising :
receiving the amount to be paid to the receiver by the user.
checking the available money in user's b-Wallet account via a central processing
system,
the user can proceed for further transaction if payment gateway returns a response that
indicates that user has sufficient money.
17. The method of claim 16, wherein a receiver is a merchant.
18. The method of claim 16, wherein central processing system is the BPTS Remote
System.
19. The method of claim 16, wherein database is the b-Wallet database of a user associated
with its b-Wallet account.
20. The method of Biometric payment transaction, the method comprising :
entering the verification code by the user ,
receiving the verification code request by a central processing system, that includes
one or more databases.
verifying of the inputted verification code that is stored in database by a central
processing system.
returning a verification response from the remote system back to the user.
the payment transaction get completed if the verification code entered by the user
verifies with already stored verification code in the database associated with the
particular user.
21. The method of claim 20, wherein the verification code can be an OTP, pin or
biometric data of the user.
22. The method of claim 20, wherein the central processing system is the BPTS Remote
System.
23. The method of claim 20, wherein the database is the information database included in
the BPTS Remote System.
24. The method of claim 20, wherein the request is the DTC Verification Request.
25. The method of claim 20, wherein the response is the DTC Verification Response.
26. A method of registration into Biometric Payment transaction System, the method
comprising:
enrolling one or more users in Biometric Payment Transaction System, the enrolling
process comprising:
receiving user's biometric information, the biometric information including
biometric data that is fingerprints;
receiving user's personal information related to the biometric data registered by users
to the issuing entity,
storing said user information in one or more databases accessible by a central
processing system.
checking the already existence of a new user by matching the biometric and personal
daia with the database.
returning a checking response by the central processing system back to the user, that
is true if the match is found or false if the match is not found.
registration process get completed if the inputted biometric and personal data do not
matches any of the data in database indicating that user do not already exists.
displaying the registration data to the newly registered user.
27. The method of claim 26, wherein the user's biometric information is the encoded
fingerprints.
28. The method of claim 26. wherein the user's personal information is the name, address
date of birth, email, phone etc.
29. The method of claim 26. wherein the databases are the information databases.
30. The method of claim 26. wherein the central processing system is the BPTS Remote
System.
31.The method of claim 26, wherein the registration data is the verification code. login id.
and password to access the b-Wallet account.