A system for making mobile payments with a biometric card
A system integrating a biometric card with fingerprint authentication and a mobile payment solution addresses impracticalities in current systems by enabling secure, practical mobile payments with invoice reflection and anomaly detection.
Patent Information
- Authority / Receiving Office
- WO · WO
- Patent Type
- Applications
- Current Assignee / Owner
- TURKCELL ÖDEME & ELEKTRONİK PARA HİZMETLERİ ANONİM ŞİRKETİ
- Filing Date
- 2025-08-18
- Publication Date
- 2026-05-28
AI Technical Summary
Current mobile payment systems require authentication via OTP messages, making them impractical for use with physical cards, and there is a need for a system that integrates biometric authentication with mobile payment solutions to facilitate practical mobile payments.
A system combining a physical card with fingerprint authentication features, a server, a processor, and a mobile application, which uses GPS and base station data to enable secure transactions, anomaly detection, and invoice reflection, while ensuring data privacy compliance.
Enables secure, practical mobile payments with biometric authentication, allowing transactions to be reflected on operator invoices, and detects anomalies using machine learning algorithms for enhanced security.
Smart Images
Figure TR2025050984_28052026_PF_FP_ABST
Abstract
Description
[0001] DESCRIPTION
[0002] A SYSTEM FOR MAKING MOBILE PAYMENTS WITH A BIOMETRIC
[0003] CARD
[0004] Technical Field
[0005] The present invention relates to a system which enables mobile payments to be made by combining a physical card having a fingerprint authentication feature thereon with a mobile payment solution.
[0006] Background of the Invention
[0007] Today, the mobile payment product is an innovative solution that enables payments to be made by reflecting them on the invoices of GSM (Global System for Mobile Communications) operators. It is widely used all over the world. However, currently, if a physical card is to be issued to be reflected on the GSM operator invoice, authentication is required each time by sending an OTP (One Time Password) message to the GSM phone of the user. In practice, this requirement makes the use of a mobile payment-based card rather impractical.
[0008] For this reason, considering the studies and deficiencies included in the current technique, it is understood that there is a need for a system which enables mobile payments to be made by combining a physical card having a fingerprint authentication feature thereon with a mobile payment solution.
[0009] The Korean patent document no. KR20180024596A, an application included in the state of the art, discloses a payment system realized by using a single card. This invention relates to a payment system, a method and a payment service server using a single card. The payment method according to an embodiment includes a payment starting step of receiving a payment request using a physical card from a store terminal; requesting at least one card company server for valid card information according to the payment request; a card information collecting step of receiving valid card information from the at least one card company server; an approval step of transmitting a temporary approval message to the store terminal if a valid card for the payment request exists; and an actual approval step of providing the valid card information to the user terminal and performing actual approval in cooperation with the card issuer server when selecting a card from the user terminal and requesting payment. In the said invention, it is possible to solve the inconvenience of having more than one card.
[0010] Summary of the Invention
[0011] An object of the present invention is to realize a system developed with the aim of enabling mobile payments to be made by combining a physical card having a fingerprint authentication feature thereon with a mobile payment solution.
[0012] Another object of the present invention is to realize a system developed with the aim of enabling expenses to be reflected on the invoice of the operator by using a card with biometric authentication and to be used in a practical way in physical channels.
[0013] Detailed Description of the Invention
[0014] “A System for Making Mobile Payments with a Biometric Card” realized to fulfil the objectives of the present invention is shown in the figure attached, in which:
[0015] Figure l is a schematic view of the inventive system.
[0016] The components illustrated in the figure are individually numbered, where the numbers refer to the following: 1. System
[0017] 2. Server
[0018] 3. Biometric card
[0019] 4. Processor
[0020] B. Base station
[0021] M. Mobile application
[0022] An inventive system (1) developed with the aim of enabling mobile payments to be made by combining a physical card having a fingerprint authentication feature thereon with a mobile payment solution comprises at least one server (2) which is configured to collect and transmit location information via GPS through the mobile application (M) and / or through the base station (B); to comprise operator billing integration in order to reflect shopping transactions therein; to enable payments to be made to the merchants where transactions are realized after the operator invoices are paid; to perform tasks in the form of reflecting dues / transaction fees; to prepare the transaction report, analytical report and anomaly detection report of all transactions performed; at least one biometric card (3) which is configured to be in the form of a physical card having a fingerprint authentication feature thereon; to enable card transactions to be performed and a history of them to be stored; to comprise fingerprint identification / authentication features therein; and to perform identity authentication process by means of the fingerprint identification / authentication features thereon; at least one processor (4) which is configured to provide anomaly detection by collecting information through the server (2) and the biometric card (3); to access the location information collected from the mobile application (M) and / or the base station (B) through the server (2); and to detect the situation where the mobile phone is in a very different location if the user is performing a transaction with the biometric card (3) as a possible anomaly with K-Nearest Neighbors, One-Class Support Vector Machines, Isolation Forest, Local Outlier Factor and Autoencoders algorithms; to enable the transaction to be performed in a way to be reflected on the invoice of the operator after the authentication process is completed by means of the fingerprint identification / authentication features on the biometric card (3).
[0023] The server (2) included in the inventive system (1) is configured to establish communication with the processor (4) by using any communication protocol included in the state of the art. The server (2) is configured to collect location information both via GPS (Global Positioning System) through the mobile application (M) and / or through the base station (B) and transmit it to the processor (4). The server (2) is configured to comprise operator billing integration in order to reflect shopping transactions therein; to enable payments to be made to the merchants where transactions are realized after the operator invoices are paid; and to perform tasks in the form of reflecting dues / transaction fees. The server (2) is configured to prepare the transaction report, analytical report and anomaly detection report of all transactions performed.
[0024] The biometric card (3) included in the inventive system (1) is configured to be in the form of a physical card having a fingerprint authentication feature thereon; to enable card transactions to be performed and a history of them to be stored; and to comprise fingerprint identification / authentication features therein. The biometric card (3) is configured to perform identity authentication process by means of the fingerprint identification / authentication features thereon.
[0025] The processor (4) included in the inventive system (1) is configured to provide anomaly detection by collecting information through the server (2) and the biometric card (3). The processor (4) is configured to access the location information collected from the mobile application (M) and / or the base station (B) through the server (2). The processor (4) is configured to detect the situation where the mobile phone is in a very different location if the user is performing a transaction with the biometric card (3) as a possible anomaly.
[0026] The processor (4) included in the inventive system (1) is configured to access information in the form of transaction date and time, transaction amount, card information, transaction status, transaction reference number, workplace information, base station (B) location information of the biometric card (3) through the server (2). The processor (4) is configured to access information in the form of IP (Internet Protocol) address, GPS information and mobile application data from the operator of the GSM (Global System for Mobile Communications) number associated with the biometric card (3) through the server (2). The processor (4) is configured to clean incomplete, incorrect or meaningless data on the data it collects through the server (2), to convert categorical data into numerical format and to perform data normalization processes. The processor (4) is configured to be trained with the aim of learning normal behaviours in the dataset in order to detect anomalies with K-Nearest Neighbors, One-Class Support Vector Machines, Isolation Forest, Local Outlier Factor and Autoencoders algorithms. The processor (4) is configured to enable the performance of the model to be evaluated on an authentication set and the model to be used on the data in the test set for anomaly detection, to use suitable metrics in the form of precision, recall and Fl score in order to measure the performance of the model, to actively use the algorithm that gives the best test result, and to enable it to be manually modified if desired. The processor (4) is configured to enable the transaction to be performed in a way to be reflected on the invoice of the operator after the authentication process is completed by means of the fingerprint identification / authentication features on the biometric card (3).
[0027] Industrial Application of the Invention In the inventive system (1), mobile payments are enabled to be made by combining a biometric card (3) having a fingerprint authentication feature thereon with a mobile payment solution. The server (2), the biometric card (3), the processor (4), the base station (B) and the mobile application (M) included in the inventive system (1) provide information and confirmation to the user in line with the data privacy principles and operate within the scope of the Law on the Protection of Personal Data (KVKK).
[0028] Within these basic concepts; it is possible to develop various embodiments of the inventive “A System (1) for Making Mobile Payments with a Biometric Card”; the invention cannot be limited to examples disclosed herein and it is essentially according to claims.
Claims
CLAIMS1. A system (1) developed with the aim of enabling mobile payments to be made by combining a physical card having a fingerprint authentication feature thereon with a mobile payment solution comprising at least one server (2) which is configured to collect and transmit location information via GPS through the mobile application (M) and / or through the base station (B); to comprise operator billing integration in order to reflect shopping transactions therein; to enable payments to be made to the merchants where transactions are realized after the operator invoices are paid; to perform tasks in the form of reflecting dues / transaction fees; to prepare the transaction report, analytical report and anomaly detection report of all transactions performed; and characterized by at least one biometric card (3) which is configured to be in the form of a physical card having a fingerprint authentication feature thereon; to enable card transactions to be performed and a history of them to be stored; to comprise fingerprint identification / authentication features therein; and to perform identity authentication process by means of the fingerprint identification / authentication features thereon; at least one processor (4) which is configured to provide anomaly detection by collecting information through the server (2) and the biometric card (3); to access the location information collected from the mobile application (M) and / or the base station (B) through the server (2); and to detect the situation where the mobile phone is in a very different location if the user is performing a transaction with the biometric card (3) as a possible anomaly with K-Nearest Neighbors, One-Class Support Vector Machines, Isolation Forest, Local Outlier Factor and Autoencoders algorithms; to enable the transaction to be performed in a way to be reflected on the invoice of the operator after the authentication process is completed by means of the fingerprint identification / authentication features on the biometric card (3).
2. A system (1) according to Claim 1; characterized by the server (2) which is configured to establish communication with the processor (4) by using any communication protocol.
3. A system (1) according to Claim 1 or 2; characterized by the server (2) which is configured to collect location information both via GPS through the mobile application (M) and / or through the base station (B) and transmit it to the processor (4).
4. A system (1) according to Claim 3; characterized by the server (2) which is configured to comprise operator billing integration in order to reflect shopping transactions therein; to enable payments to be made to the merchants where transactions are realized after the operator invoices are paid; and to perform tasks in the form of reflecting dues / transaction fees.
5. A system (1) according to any one of the preceding claims; characterized by the server (2) which is configured to prepare the transaction report, analytical report and anomaly detection report of all transactions performed.
6. A system (1) according to any one of the preceding claims; characterized by the biometric card (3) which is configured to be in the form of a physical card having a fingerprint authentication feature thereon; to enable card transactions to be performed and a history of them to be stored; and to comprise fingerprint identification / authentication features therein.
7. A system (1) according to any one of the preceding claims; characterized by the biometric card (3) which is configured to perform identity authentication process by means of the fingerprint identification / authentication features thereon.
8. A system (1) according to any one of the preceding claims; characterized by the processor (4) which is configured to provide anomaly detection by collecting information through the server (2) and the biometric card (3).
9. A system (1) according to any one of the preceding claims; characterized by the processor (4) which is configured to access the location information collected from the mobile application (M) and / or the base station (B) through the server (2).
10. A system (1) according to any one of the preceding claims; characterized by the processor (4) which is configured to detect the situation where the mobile phone is in a very different location if the user is performing a transaction with the biometric card (3) as a possible anomaly.
11. A system (1) according to any one of the preceding claims; characterized by the processor (4) which is configured to access information in the form of transaction date and time, transaction amount, card information, transaction status, transaction reference number, workplace information, base station (B) location information of the biometric card (3) through the server (2).
12. A system (1) according to any one of the preceding claims; characterized by the processor (4) which is configured to access information in the form of IP address, GPS information and mobile application data from the operator of the GSM number associated with the biometric card (3) through the server (2).
13. A system (1) according to any one of the preceding claims; characterized by the processor (4) which is configured to clean incomplete, incorrect or meaningless data on the data it collects through the server (2), to convert categorical data into numerical format and to perform data normalization processes.
14. A system (1) according to any one of the preceding claims; characterized by the processor (4) which is configured to be trained with the aim of learning normal behaviours in the dataset in order to detect anomalies with K-Nearest Neighbors, One-Class Support Vector Machines, Isolation Forest, Local Outlier Factor and Autoencoders algorithms.
15. A system (1) according to any one of the preceding claims; characterized by the processor (4) which is configured to enable the performance of the model to be evaluated on an authentication set and the model to be used on the data in the test set for anomaly detection, to use suitable metrics in the form of precision, recall and Fl score in order to measure the performance of the model, to actively use the algorithm that gives the best test result, and to enable it to be manually modified if desired.
16. A system (1) according to any one of the preceding claims; characterized by the processor (4) which is configured to enable the transaction to be performed in a way to be reflected on the invoice of the operator after the authentication process is completed by means of the fingerprint identification / authentication features on the biometric card (3).