A system that enables mobile payments using a biometric card.

Abstract

This invention relates to a system (1) that enables mobile payment by combining a physical card with fingerprint verification feature with a mobile payment solution.

Description

1 TARIFF MAKING MOBILE PAYMENTS WITH A BIOMETRIC CARD A SYSTEM THAT PROVIDES Technical Area 5 This invention combines a physical card with fingerprint authentication capabilities with a mobile device. with a system that enables mobile payments by combining payment solutions It is related. Previous Technique Today, the mobile payment product GSM (Global System for Mobile) Communications (Global System for Mobile Communications) operators It is an innovative solution that allows payments to be made by adding it to your bills. All 15 It is widely used around the world. However, currently GSM operators If a physical card were to be issued to be reflected on the user's bill A GSM phone receives an OTP (One Time Password) message Verification is required each time the data is sent. This is a necessity. Using a mobile payment-based card is quite impractical in practice. 20 It makes it possible. Therefore, considering the studies and shortcomings in the current technique... when present, a physical card with fingerprint verification feature a 25 that combines mobile payment solutions to enable mobile payments. It is understood that the system is needed. Korean patent KR20180024596A, which falls under the known state of the art. from a payment system carried out using a single card in the document It is mentioned. The present invention relates to a payment system using a single card, a 30 It relates to the method and a payment service provider. According to an application example. 2 payment method, a payment made using a physical card at a store terminal the process of receiving the request and initiating the payment; at least one card company depending on the payment request. requesting valid card information from the server; from at least one card company server The step of obtaining valid card information; collecting card information for a payment request. If the card is present, the confirmation step involves sending a temporary confirmation message to the store terminal and 5 Valid when a card is selected from the user terminal and payment is requested. card information is provided to the user terminal and transmitted to the card issuer server. Collaborative and genuine approval involves the approval step. The promise... The subject of the invention is to solve the inconvenience caused by having multiple cards. It is possible. 10 Brief Description of the Invention The aim of this invention is to create a physical card with fingerprint verification capabilities. 15 Enabling mobile payments by integrating mobile payment solutions The goal is to implement a system developed for this purpose. Another purpose of this invention is to use a biometric authentication card. reflecting the expenses on the operator's bill and a practical approach in physical channels. a system developed to enable its use in this way 20 to accomplish. Detailed Description of the Invention The "Mobile 25 with a Biometric Card" project was carried out to achieve the purpose of this invention. A payment processing system is shown in the attached image; Figure 1 shows a schematic view of the system that is the subject of the invention. The parts shown in the figure are individually numbered, and these numbers correspond to 30. The corresponding answers are given below. 3 1. System 2. Server 3. Biometric Card 4. Processor 5 B. Base Station M. Mobile Application Mobile payment with a physical card that features fingerprint verification. 10 in order to enable mobile payments by combining the solutions The developed invention subject system (1); - via mobile application (M) using GPS and / or base station (B) collecting and transmitting location information, shopping within To reflect its operations, it should include operator billing integration. After the operator bills are paid to the merchants where the transactions took place, 15 then ensure payments are made, reflecting membership / transaction fees. to perform tasks such as this, processing all transactions to prepare the report, the analytical report and the anomaly detection report at least one server configured (2), - in the form of a physical card with fingerprint verification feature 20 to be, to process card transactions and keep a history of them to provide, including fingerprint identification / verification features, Identity verification is possible thanks to the fingerprint identification / verification features on it. at least one configured to perform the verification process biometric card (3), 25 - anomaly by collecting information from the server (2) and biometric card (3) to ensure detection, via server (2) from mobile application (M) and / or To access the location information collected from the base station (B), the user If a transaction is made with a biometric card (3), the mobile phone is very different. The situation of being in this location is K-Nearest Neighbor, Single Class Support 30 Vector Machines, Isolation Forest, Local Anomaly Factor, and 4 Automatic encoders detect potential anomalies using algorithms. to identify / verify fingerprints on biometric cards (3) thanks to its features, after the authentication process is completed to ensure the transaction is processed in a way that will be reflected on the operator's bill It includes at least one configured processor (4). 5 In the system in question (1), the server (2) is located in the known state of the art. the field communicates with the processor (4) using any communication protocol It is configured to operate via GPS both through the mobile application (M). (Global Positioning System) and / or base 10 to collect location information from station (B) and transmit it to the processor (4) It is structured to reflect shopping transactions within the server (2). Including operator billing integration for the merchant where transactions take place. to ensure payments are made after the operator bills are paid on their behalf, 15 to fulfill tasks such as reflecting membership fees / transaction fees It is configured. The server (2) provides a transaction report of all transactions, analytics It is structured to prepare the report and the anomaly detection report. The biometric card (3) in the system (1) which is the subject of the invention, has a fingerprint on it Being in the form of a physical card with verification features, card transactions 20 to ensure that it takes place and its history is kept, including fingerprints It is structured to include identification / verification features. Biometric card (3), thanks to the fingerprint identification / verification features on it, identity It is configured to perform the verification process. The invention consists of the processor (4), server (2) and biometric card (3) in the system (1) to enable anomaly detection by gathering information through it It is configured. The processor (4), server (2) and mobile application (M) and / or to access location information collected from the base station (B) It is configured. The processor (4) processes a transaction with the user biometric card (3) 30 If so, the possibility of the cell phone being in a completely different location is a possibility. It is designed to detect anomalies. In the system that is the subject of the invention, the processor (4) located in (1) uses biometric data via the server (2). Transaction date and time, transaction amount, card details, transaction status, transaction 5 reference number, workplace information, base station (B) location information It is configured to access information. The processor (4) is configured via the server (2). GSM (Global System for Mobile Communications- related to biometric card (3) IP (Internet) from the operator corresponding to the Global System for Mobile Communications (GSM) number Protocol (Internet Protocol) address, GPS information and mobile application data 10 It is configured to access information in the form of: Processor (4), Server (2) cleaning up missing, erroneous, or meaningless data from the data it has collected. and converting categorical data to numerical format and normalizing the data. It is configured to perform its operations. The processor (4), K-Nearest Neighbors (K-Nearest Neighbors), One-Class Support Vector Machines (One-Class 15 Support Vector Machines), Isolation Forest, Local Anomaly Local Outlier Factor and Autoencoders algorithms to detect anomalies in normal behaviors within the dataset It is structured to be trained for the purpose of learning. The processor (4) is a Evaluation of model performance on the validation set and anomaly 20 To enable the model to be used on the data in the test set for detection, The model's performance is measured using parameters such as accuracy, recall, and F1 score. Using appropriate metrics, actively implementing the algorithm that yields the best test results. to use, and to allow for manual modification if desired. is configured. The processor processes the fingerprint on the biometric card (3) 25 Authentication process thanks to identification / verification features Once completed, the transaction will be reflected on the operator's bill. It is structured to provide this. Industrial application of the invention 30 6 The invention system has (1) a fingerprint verification feature mobile payment solution by combining biometric card (3) with mobile payment solution This is ensured. The invention consists of the server (2), biometric card (3), processor (4), 5 in the system (1). Base station (B) and mobile application (M) user data privacy principles In accordance with the Personal Data Protection Law, we provide information and consent. It operates within the scope of the Personal Data Protection Law (KVKK). Based on these fundamental concepts, the invention topic is "Mobile 10 with a Biometric Card". A wide variety of applications related to "A System That Enables Payment (1)" It is possible to develop further, and the invention cannot be limited to the examples described here. It is essentially as stated in the requests.

Claims

7 REQUESTS 1. A physical card with fingerprint verification feature versus a mobile phone. Integrating payment solutions to enable mobile payments. developed for this purpose; 5 - via mobile application (M) using GPS and / or base station (B) collecting and transmitting location information, shopping within To reflect its operations, it should include operator billing integration. After the operator bills are paid to the merchant locations where the transactions took place then ensure payments are made, reflecting membership / transaction fees 10 to perform tasks such as this, processing all transactions to prepare the report, the analytical report and the anomaly detection report including at least one configured server (2); - in the form of a physical card with fingerprint verification feature to be, to enable card transactions and keep a history of them 15 to provide, including fingerprint identification / verification features, Identity verification is possible thanks to the fingerprint identification / verification features on it. at least one configured to perform the verification process biometric card (3), - by collecting information from the server (2) and biometric card (3) anomaly 20 to ensure detection, via server (2) from mobile application (M) and / or To access the location information collected from the base station (B), the user If a transaction is made with a biometric card (3), the mobile phone is very different. The situation is that it is located in K-Nearest Neighbor, Single Class Support. Vector Machines, Isolation Forest, Local Anomaly Factor, and 25 Automatic encoders detect potential anomalies using algorithms. to identify / verify fingerprints on biometric cards (3) thanks to its features, after the authentication process is completed to ensure the transaction is processed in a way that will be reflected on the operator's bill a system characterized by having at least one processor (4) configured (1). 30 8 2. Communicate with the processor (4) using any communication protocol. In Claim 1, characterized by the server (2) configured to establish such a system (1).

3. Both via mobile application (M) using GPS and / or base station (B) 5 to collect location information and transmit it to the processor (4) a server configured with (2) such as in Claim 1 or 2 system (1).

4. Operator billing 10 to reflect shopping transactions. including integration, operators to member merchants where transactions take place to ensure payments are made after the bills are paid, to fulfill tasks such as reflecting membership fees / transaction fees a system like the one in Claim 3 characterized by the configured server (2) (1). 15 5. Prepare transaction reports, analytical reports, and anomaly detection reports for all completed operations. characterized by the server (2) configured to prepare its report a system like any of the above requests (1).

6. In the form of a physical card with fingerprint verification feature. to be, to process card transactions and keep a history of them to provide, including fingerprint identification / verification features the above is characterized by the biometric card (3) structured in accordance with the above. a system like any of the requests (1). 25 7. Identity verification / identification thanks to its fingerprint identification features. biometric card configured to perform the verification process (3) like any of the above-mentioned claims characterized by system (1). 30 9 8. By collecting information from the server (2) and biometric card (3) anomaly characterized by the processor (4) configured to enable detection a system like any of the above requests (1).

9. From the mobile application (M) and / or base station via the server (2) (B) processor (4) configured to access the collected location information as in any of the above characterized claims system (1).

10. If the user is performing a transaction with a biometric card (3), the mobile phone must be very to identify the situation of it being in a different location as a possible anomaly The above is characterized by the processor (4) which is configured to do so. a system like any of the requests (1).

11. Transaction date and time of biometric card (3) via server (2), transaction amount, card details, transaction status, transaction reference number, merchant access information in the form of base station (B) location information. The above is characterized by the processor (4) which is configured to do so. a system like any of the requests (1). 20 12. Server (2) accesses the GSM number associated with the biometric card (3) data from the operator in the form of IP address, GPS information and mobile application data. characterized by the processor (4) configured to access information a system like any of the above requests (1). 25 13. The server (2) has collected incomplete, erroneous or meaningless data. cleaning data and converting categorical data to numerical format and structured to perform data normalization operations in any of the above requests characterized by processor (4) such a system (1).

14. K-Nearest Neighbor, Single-Class Support Vector Machines, Isolation Forest, Local Anomaly Factor, and AutoEncoders algorithms 5 to identify anomalies by analyzing normal behaviors in the dataset processor (4) configured to be trained for learning purposes as in any of the above characterized claims system (1) 15. Evaluating the model's performance on a validation set and modeling on data in the test set for anomaly detection to enable its use, precision for measuring the model's performance, Using appropriate metrics such as recall and F1 score will optimize testing. Actively using the algorithm that produces the result, or manually if desired 15 with the processor (4) configured to enable it to be changed as in any of the above characterized claims system (1).

16. Fingerprint identification / verification features on the biometric card (3) 20 thanks to the operator after the identity verification process is completed. to ensure the transaction is processed in a way that will be reflected on the invoice from the above requests characterized by the configured processor (4) a system like any other (1). 30