SYSTEM AND METHOD FOR CARDLESS FINANCIAL TRANSACTION USING FACIAL BIOMERTICS

• US 20140222596A1
• Filed: 03/08/2013
• Published: 08/07/2014
• Est. Priority Date: 02/05/2013
• Status: Abandoned Application

• Current Assignee: Nithin Vidya Prakash S
• Original Assignee: Nithin Vidya Prakash S
• Inventors: S, NITHIN VIDYA PRAKASH
• Application Number:
  US13/789,703
• Publication Number:
  US 20140222596A1
• Time in Patent Office: Days
• US Class Current: 705/18
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/40145 Biometric identity checks

Abstract

In view of the foregoing, an embodiment herein discloses a system and method for facilitating cardless financial transaction in which the face of the user can itself be used as the credit card for financial transaction at the point of sale (POS) or online financial transaction. The method includes capturing a user'"'"'s face using a 3-D facial recognition system, converting the facial image into digital data and converting the digital data is converted into the numeric template for that user'"'"'s face and stored in the separate block within the server'"'"'s database. One aspect discloses a method in which the multiple bank accounts can be managed as single accounts and at the time of cardless financial transaction user may choose which bank account to use which is differentiated by the three digit alphanumeric code assigned for each bank account.

Claims

1. A method for facilitating cardless financial transaction comprising the step of

capturing at least an user'"'"'s face using a 3-D facial recognition system;

converting said user'"'"'s facial image into primary digital data;

converting said primary digital data is converted into the numeric number for said user'"'"'s face and

storing said numeric template in a server'"'"'s database.

2. The method as claimed in claim 1, wherein said numeric number is credit card number.

3. The method as claimed in claim 1 further comprising the step of capturing biometrics data of the user using biometric devices, and storing said biometrics data as secondary data separately in said server'"'"'s database.

4. The method as claimed in claim 3, wherein making payment through cardless transaction at least a point of sale [POS] comprising the step of

capturing the facial image of said user using facing capturing device;

converting said image into numeric template;

comparing said numeric template and biometrics data with said primary data and secondary data;

proceeding payment transaction if both the compared data matches; and

denying payment transaction if both the compared data mismatches.

5. The method as claimed in claim 3, wherein making online payment through cardless transaction comprising the step of

converting said image into numeric data;

allowing users to input biometrics data using biometric devices;

allowing users to input his passcode using input devices;

comparing said numeric template and biometrics data with said primary data and secondary data;

proceeding payment transaction if both the compared data matches; and

denying payment transaction if both the compared data mismatches.

6. The method as claimed in claim 3, wherein user can use 3 digit alphanumeric code defined by said user for identification of a bank'"'"'s credit card and allow the user to maintain multiple bank accounts under one system.

7-8. -8. (canceled)