Description:FIELD OF INVENTION
[001] The present invention relates to a field of electronic device and equipment used in the authentication and processing of commercial and security related transactions. More specifically, the present invention relates to a system and a method for contactless hand biometric authentication and payment authorization.

BACKGROUND OF THE INVENTION
[002] Traditional payment systems, which primarily rely on cards, PINs, and mobile devices, have long been integral to both physical and online transactions. However, these systems are increasingly challenged by a range of significant issues that impact security, convenience, and public health. Firstly, the security of traditional payment methods is a growing concern. Payment cards and PINs are susceptible to fraud, theft, and unauthorized access. Even biometric data, when stored on mobile devices, is not immune to compromise. These vulnerabilities are particularly evident in scenarios involving card skimming, phishing attacks, and unauthorized access to mobile devices, where sensitive information can be exploited by malicious actors. Moreover, the physical nature of traditional transactions poses a health risk. In physical retail environments, touching payment terminals, exchanging cash, and handling cards can contribute to the spread of germs and viruses. This issue has become particularly acute in the wake of recent global health crises, where minimizing physical contact has become a priority.
[003] Another significant drawback of existing payment systems is their reliance on physical objects such as cards and mobile devices. These items can be easily lost, stolen, or damaged, leading to disruptions in the payment process. Additionally, the necessity of carrying these items at all times can be inconvenient for users, especially in situations where they are misplaced or forgotten. While QR code-based payment systems offer a degree of convenience, they are not without their own set of problems. QR codes can be cloned or tampered with, creating security risks. Furthermore, these systems heavily depend on mobile devices, which may not always be accessible or convenient for users, particularly in scenarios where mobile networks are unreliable or devices are unavailable.
[004] In response to these challenges, the present invention proposes a contactless payment system that leverages hand gestures and biometric features of the hand to provide a secure, device-independent, and hygienic alternative to traditional payment methods. By utilizing unique biometric data, such as palm vein patterns, fingerprints, and hand geometry, the system ensures that only authorized users can complete transactions. This approach not only enhances security by reducing the risk of fraud but also promotes hygiene by eliminating the need for physical contact with payment terminals or cash.
[005] The proposed system offers a fast and seamless payment experience, making it particularly suitable for diverse environments where safety, speed, and convenience are paramount. By addressing the shortcomings of existing payment systems, this invention aims to set a new standard for secure, efficient, and user-friendly payment solutions in a rapidly evolving global marketplace.

SUMMARY OF THE INVENTION
[006] The present invention relates to a method and a system for contactless hand biometric authentication and payment authorization. The method comprising receiving sensor data from one or more sensors. The one or more sensors are associated with a biometric device. Further, the method comprising comparing the received sensor data with stored predefined data associated with a user. Furthermore, the method comprising authenticating the user based on the comparison, wherein the authentication is provided when the received sensor data matches the stored predefined data within a predefined threshold. The method further comprising rendering an output associated with the user based on the authentication. The method further comprising receiving sensor data from the one or more sensors. The one or more sensors include a Palm Vein Sensor, Fingerprint Sensors, a Hand Geometry Sensor, a Palm Print Scanner, and a Thermal Imaging Sensor. The authentication step further comprises determining the match between the received sensor data and the stored predefined data using a multi-factor authentication algorithm that combines data from different sensor data. Further, the method comprising assigning different weights to the received sensor data from one or more sensors in the multi-factor authentication algorithm. The Palm vein sensor captures the unique vein pattern within the user's palm. The fingerprint sensors are configured to capture fingerprints from multiple fingers of the user. The method further comprising selecting a fingerprint associated with one or more fingerprints based on captured imaging of fingerprints. The rendering of output further comprises generating a confirmation signal to the user upon successful authentication and payment authorization, wherein the confirmation signal includes visual, auditory, or haptic feedback. The method further comprising performing authentication and payment authorization process within a predefined time frame.
[007] Additionally, the economic potential and commercial applications for a contactless hand gesture and biometric payment system using hand features are vast, with far-reaching implications across various industries. The global market for biometric payment systems is experiencing rapid growth, driven by an increasing demand for secure and convenient payment methods. The contactless nature of this technology is particularly well-suited to capitalize on this expanding market, offering a competitive edge in terms of both security and user experience. Businesses have multiple avenues to explore for generating revenue through this technology. Potential opportunities include licensing the technology to other companies, offering value-added services that enhance the functionality and appeal of the payment system, and forming partnerships with financial institutions and retailers to integrate the technology into existing payment infrastructures.
[008] For retailers, the implementation of contactless payment systems can significantly enhance the shopping experience. By speeding up checkout times and providing a more convenient payment option, retailers can improve customer satisfaction and loyalty. This technology not only streamlines transactions but also addresses growing consumer concerns about hygiene and safety, particularly in light of recent global health trends. Banks and financial institutions can leverage biometric payment solutions to offer their customers more secure transaction options and access control mechanisms. The system's design allows for seamless integration into everyday life, providing users with a secure and convenient way to enhance their payment interactions. By adopting this technology, financial institutions can position themselves as leaders in the increasingly competitive field of secure digital payments.

OBJECTIVE OF THE INVENTION
[009] To integrate with fare collection systems for buses, trains, and subways, enabling seamless and contactless fare payments.
[0010] To be used for patient check-ins, access to medical records, and secure transactions within healthcare facilities.
[0011] To facilitate secure and contactless entry to events and venues.
[0012] To provide secure and frictionless payment authentication for online transactions.

BRIEF DESCRIPTION OF DRAWING
[0013] The foregoing and other features of this disclosure will become more fully apparent from the following description and appended claims, taken in conjunction with the accompanying drawings. Understanding that these drawings depict only several embodiments in accordance with the disclosure and are, therefore, not to be considered limiting of its scope, the disclosure will be described with additional specificity and detail through use of the accompanying drawings, in which:
[0014] FIG. 1 illustrates a block diagram of a system for contactless hand biometric authentication and payment authorization, in accordance with an embodiment of the present disclosure.
[0015] FIG. 2 illustrates an exemplary embodiment of the system for authentication and contactless digital payment system, in accordance with an embodiment of the present disclosure.
[0016] FIG. 3 illustrates a flow diagram of a method for contactless hand biometric authentication and payment authorization, in accordance with an embodiment of the present disclosure.

DETAILED DESCRIPTION OF DRAWING
[0017] As used herein, the singular forms "a", "an" and "the" include plural referents unless the context clearly dictates otherwise. In this specification, the terms "comprising ", or" comprising "and the like should not be construed as necessarily including the various elements or steps described in the specification or may be further comprised of additional components or steps. Also, the terms "part," & quote; module, "and the like described in the specification mean units for processing at least one function or operation, which may be implemented in hardware or software or a combination of hardware and software.
[0018] The following description, along with the accompanying drawings, sets forth certain specific details in order to provide a thorough understanding of various disclosed embodiments. However, one skilled in the relevant art will recognize that the disclosed embodiments may be practiced in various combinations, without one or more of these instances, well known structures or components that are associated with the environment of the present disclosure, including but not limited to the communication systems and networks, have not been shown or described in order to avoid unnecessarily obscuring descriptions of the embodiments. Additionally, the various embodiments may be methods, systems, media, or devices. Accordingly, the various embodiments may be entirely hardware embodiments, entirely software embodiments or embodiments combining software and hardware aspects.
[0019] The present invention relates to a contactless payment system that leverages hand gestures and biometric features to provide a secure, device-independent, and hygienic alternative to traditional payment methods. By utilizing unique biometric data, such as palm vein patterns, fingerprints, and hand geometry, the system ensures that only authorized users can complete transactions. This contactless solution is applicable across various merchant locations, including retail stores, transportation hubs, event venues, hospitals, e-commerce platforms, restaurants, and medical facilities. Additionally, the system supports contactless authentication or identity verification for purposes such as check-ins, accessing medical records, and enhancing security at metro stations and airports. It also enables access control for private properties through contactless methods.
[0020] Figure 1 illustrates a block diagram 100 of a system for contactless hand biometric authentication and payment authorization that describes an implementations of computing system(s) for implementing embodiment described herein.
[0021] The functionality described herein for the system 102 can be implemented either on dedicated hardware, as a software instance running on dedicated hardware, or as a virtualized function associated on an appropriate platform. Figure 1 illustrates an example of underlying hardware on which software and functionality may be hosted and/or implemented. For example, the system(s) 102 may represent example components of underlying computer hardware for some or all of the components shown on Figure 1.
[0022] In an embodiment, the system 102 may include one or more instructions as described for contactless hand biometric authentication and payment authorization. The system 102 is designed to integrate effortlessly into everyday life, providing a seamless and secure method to enhance payment interactions. It utilizes hand biometric features for secure, contactless payment solutions, incorporating multi-factor biometric authentication through palm prints, fingerprints, palm veins, hand geometry, and hand gestures. These hand biometric features offer a highly secure approach to contactless payments.
[0023] Further, Figure 1 illustrates a system 102 architecture for contactless hand biometric authentication and payment authorization, by using one or more modules comprising a sensor module 110, a determination module 112, an authentication module 114, and an output module 116. The system 102 comprises at least one IoT devices comprises a server 104, a processor 108 and a memory 106. The system 102 includes a processing device 108 that can be implemented using one or more examples described with reference to FIG. 1. In some implementations, the processing device 108 may be implemented by one or more processors executing instructions stored in one or more instances of computer-readable storage medium. For example, a processor can execute instructions stored in a memory 106 to instantiate and operate the processing device 108.
[0024] In an embodiment, the system may be configured to receive sensor data from one or more sensors. The one or more sensors are associated with a biometric device. The sensor module 110 is designed to define and manage the integration of these sensors, ensuring accurate data collection and processing. This module 110 coordinates the operation of one or more sensors. For example, the one or more sensors may include a Palm Vein Sensor, Fingerprint Sensors, a Hand Geometry Sensor, a Palm Print Scanner, and a Thermal Imaging Sensor. In an exemplary embodiment, the Palm Vein Sensor uses near-infrared light to detect the unique vein patterns within a user’s palm, while the Fingerprint Sensors capture distinct fingerprints from multiple fingers. The Hand Geometry Sensor measures the dimensions and spatial relationships of the hand, and the Palm Print Scanner or a high-resolution camera captures detailed surface features of the palm, including ridges and lines. A Gesture Recognition Sensor (proximity sensor) may also detect specific hand gestures, providing an additional layer of interaction.
[0025] In an embodiment, the system 102 may be configured to compare the received sensor data with stored predefined data associated with a user. The comparison module 112 first preprocesses the incoming sensor data to ensure it is in a format compatible with the stored predefined data. This may involve normalizing the data, adjusting for variations in sensor readings, and filtering out any noise or irrelevant information. The comparison module 112 then performs pattern matching by analysing the biometric data captured by the sensors for example, but not limited to palm veins, fingerprints, hand geometry, and thermal signature, and comparing it against the stored biometric templates.
[0026] In an embodiment, the system 102 may be configured to authenticate the user based on the comparison. The authentication is provided when the received sensor data matches the stored predefined data within a predefined threshold. The multi-factor authentication algorithm integrates biometric data from various sensors, such as palm veins, fingerprints, hand geometry, and thermal signatures. By analyzing multiple biometric features, the algorithm creates a comprehensive profile of the user's hand, making it significantly harder for unauthorized individuals to spoof the system. In the multi-factor authentication algorithm, different biometric features are assigned different weights based on their reliability and distinctiveness. For example, palm vein patterns may be assigned a higher weight due to their uniqueness, while thermal signatures might receive a lower weight.
[0027] The system 102 uses these weights to calculate a composite matching score that reflects the overall likelihood of the sensor data corresponding to the legitimate user. The algorithm compares the composite matching score against a predefined threshold. If the score exceeds the threshold, the system 102 authenticates the user and grants access or authorizes the payment. If the score falls below the threshold, the system 102 may either deny authentication or request additional verification steps. If the initial authentication attempt fails, the system 102 may provide error handling mechanisms, such as prompting the user to reposition their hand or to re-attempt the scan. The multi-factor authentication algorithm can then reassess the new data, allowing for a second chance at successful authentication. Once the user is authenticated, the system proceeds to authorize the payment. This could involve securely communicating with a payment gateway or processing platform, confirming the transaction amount, and executing the payment without the need for physical contact or additional verification steps. These combined biometrics are tokenized and processed to authenticate the user and, upon successful verification, authorize a payment without the need for physical cards or mobile devices. Once the user is authenticated, the system 102 proceeds with payment authorization. This process may involve securely communicating with a payment gateway or processing platform, confirming the transaction amount, and executing the payment all without the need for physical contact or further verification steps. The combined biometric data is tokenized and processed to authenticate the user, allowing for payment authorization without the need for physical cards or mobile devices.
[0028] In an embodiment, the system 102 may be configured to render an output associated with the user based on the authentication. This output may include one or more actions such as granting access to a secured area, authorizing a payment. One aspect of this process involves selecting a fingerprint associated with one or more fingerprints based on captured imaging of fingerprints. The system 102 may be configured to analyse the captured fingerprint data, identifying the clearest and most distinct fingerprint to enhance the accuracy of the authentication process.
[0029] In an embodiment, the system 102 may be configured to generate a confirmation signal to the user upon successful authentication and payment authorization. The confirmation signal includes visual, auditory, or haptic feedback. The system 102 may be configured to perform authentication and payment authorization process within a predefined time frame. This ensures that the process is not only secure but also efficient, providing a seamless user experience. The predefined time frame is set to balance security and convenience, ensuring quick processing while maintaining the integrity of the authentication and payment procedures. If the process exceeds the predefined time frame, the system may trigger an alert, prompt the user to retry, or initiate additional security checks to ensure the transaction's legitimacy.
[0030] Figure 2 illustrates an exemplary embodiment of an application interface 200 of the system 102 for contactless hand biometric authentication and payment authorization. In an example, a user visits a store which is equipped with Zelax’s WAVE biometric device. a user visiting a store equipped with Zelax’s WAVE biometric device. As the user approaches the checkout counter, the user simply places their hand near the device. The device’s sensors quickly capture various biometric details, including palm vein patterns, fingerprints, hand geometry, and thermal signatures. The system's algorithm then processes this data and compares it against the stored biometric template to verify the user's identity. Once authentication is successful, the device authorizes the payment and signals completion with a visual checkmark and a soft beep. This seamless process eliminates the need for physical cards or a mobile app, providing a fast, secure, and contactless payment experience.
[0031] Figure 3 illustrates a flow diagram for a method 300 for contactless hand biometric authentication and payment authorization in accordance with an implementation of the system as described in Fig 1. The method 300 is adapted to provide flexibility by using one or more modules such as a sensor module 110, a determination module 112, an authorization module 114, and an output module 116.
[0032] At step 302, receiving sensor data from one or more sensors. The one or more sensors are associated with a biometric device. The process of capturing biometric information using various sensors integrated into a biometric device. The process of transferring captured biometric data from the sensors to a processing unit within the biometric device. The process involves analysing and interpreting the received sensor data to extract meaningful biometric information.
[0033] At step 304, comparing the received sensor data with stored predefined data associated with a user. The process involves applying a predefined threshold to determine whether the comparison results in a successful match. Further, the process involves comparing received sensor data with stored predefined data involves capturing and preparing biometric information, extracting and matching key features, and applying thresholds to verify user identity or authorize actions.
[0034] At step 306, authenticating the user based on the comparison. The authentication is provided when the received sensor data matches the stored predefined data within a predefined threshold.
[0035] At step 308, rendering an output associated with the user based on the authentication involves providing feedback and executing actions based on the authentication result. This includes visual, auditory, and haptic signals to inform the user, as well as granting access, authorizing transactions, or handling errors to ensure a seamless and effective interaction.
[0036] While certain features of the described implementations have been illustrated as described herein, many modifications, substitutions, changes and equivalents will now occur to those skilled in the art. It is, therefore, to be understood that appended claims are intended to cover all such modifications and changes as fall within the scope of the implementations. It should be understood that they have been presented by way of example only, not limitation, and various changes in form and details may be made. Any portion of the apparatus and/or methods described herein may be combined in any combination, except mutually exclusive combinations. The implementations described herein can include various combinations and/or sub-combinations of the functions, components and/or features of the different implementations described. , Claims:1. A method for contactless hand biometric authentication and payment authorization, comprising the steps of:
receiving sensor data from one or more sensors, wherein the one or more sensors are associated with a biometric device;
comparing the received sensor data with stored predefined data associated with a user;
authenticating the user based on the comparison, wherein the authentication is provided when the received sensor data matches the stored predefined data within a predefined threshold; and
rendering an output associated with the user based on the authentication.
2. The method of claim 1, further comprising, receiving sensor data from the one or more sensors, wherein the one or more sensors include a Palm Vein Sensor, Fingerprint Sensors, a Hand Geometry Sensor, a Palm Print Scanner, and a Thermal Imaging Sensor.
3. The method of claim 1, wherein the authentication step further comprises:
determining the match between the received sensor data and the stored predefined data using a multi-factor authentication algorithm that combines data from different sensor data;
assigning different weights to the received sensor data from one or more sensors in the multi-factor authentication algorithm.
4. The method of claim 1, wherein the Palm Vein Sensor captures the unique vein pattern within the user's palm.
5. The method of claim 1, wherein the fingerprint sensors are configured to capture fingerprints from multiple fingers of the user.
6. The method of claim 5, further comprising selecting a fingerprint associated with one or more fingerprints based on captured imaging of fingerprints.
7. The method of claim 1, wherein further comprising, generating a confirmation signal to the user upon successful authentication and payment authorization, wherein the confirmation signal includes visual, auditory, or haptic feedback.
8. The method of claim 1, further comprising, performing authentication and payment authorization process within a predefined time frame.

9. A system for contactless hand biometric authentication and payment authorization, wherein the system comprising a server and a processor for executing the method steps comprising:
receiving sensor data from one or more sensors, wherein the one or more sensors are associated with a biometric device;
comparing the received sensor data with stored predefined data associated with a user;
authenticating the user based on the comparison, wherein the authentication is provided when the received sensor data matches the stored predefined data within a predefined threshold; and
rendering an output associated with the user based on the authentication.