A FINANCIAL TRANSACTION APPROVAL SYSTEM

Abstract

This invention relates to a system (1) that enables the user to approve financial transactions through a smart glasses device that is owned by the user and has been pre-paired with the device.

Description

1 TARIFF A FINANCIAL TRANSACTION APPROVAL SYSTEM Technical Area This invention allows for user-generated banking transactions that require prior device pairing. a smart glasses device that enables approval of financial transactions It is related to the system. Previous Tech 10 Currently, two-factor authentication for banking transactions is done via SMS. OTP sending, facial recognition in mobile applications, mobile notifications, etc. This is achieved through various methods. Many of these methods carry security risks (e.g., SIM card cloning, device loss) and user experience issues (delay, transaction cancellation) 15 It includes. Furthermore, these methods are generally performed via a single device. Because it is being carried out in this way, it does not offer alternative methods. For this reason, the aforementioned A new system is needed to eliminate the shortcomings. Chinese patent no. CN107087431A, which is included in the prior art, 20 The document describes identification through facial, voice, and retinal recognition using a wearable device. and a machine learning-based system configured to perform verification. The system being discussed uses eye signals in real time. to ensure seamless biometric identification (CBID) of the individual Devices, systems, and methods are presented. The device in question is one or both 25 Based on iris recognition using one or more cameras pointed at the eye, a wearable device that functions by identifying the person using the device It is located inside the computing device. Additionally, other physiological and anatomical aspects... and / or behavioral criteria may also be used. The person using the device Identity verification, enabling the display of secure information 30 It can be used to disable or reactivate authentication. 2 This information can also be included in the data transmitted from the device, thus enabling remote processing. This allows the relevant units to determine appropriate security measures. It recognizes. The device in question provides vision correction, head-mounted displays, and peripheral vision. monitoring the environment via stage cameras, audio data via microphone recording and / or performing other functions involving other sensing equipment 5 These can be integrated into wearable computing devices. Brief Description of the Invention The purpose of this invention is to enable users to access and use data from devices 10 or higher during banking transactions. Financial transaction approval via a paired smart glasses device The goal is to create a system that provides this. Another purpose of this invention is to enable retina-verified financial transactions to be processed using smart glasses. 15 by verifying data obtained through scanning, facial recognition or voice recognition the implementation and the large language model provide users with natural information about the process. The goal is to create a system that enables explanations to be provided in the language. Detailed Description of the Invention The "Financial Transaction Approval" process was carried out to achieve the purpose of this invention. The "System" is shown in the attached figure; Figure 1. Schematic view of the system described in the invention. The parts shown in the figure are individually numbered, and the corresponding numbers correspond to these numbers. given below: 1. System 2. Electronic device 30 3. Smart glasses 3 4. Database 5. Server In banking transactions, the user's account, which has been previously paired with the device, must be used. The invention in question 5 enables the approval of financial transactions through smart glasses. system (1); - enabling users who are bank customers to perform financial transactions and these transactions actions related to the transaction verification processes required during this process at least one configured to provide at least one interface that enables its acquisition electronic device (2), 10 -the device the user wears on their eyes and needs when conducting financial transactions Authentication methods include retina scanning, facial recognition, or voice recognition. At least one smart device that enables the collection of biometric data to be used in its operations. glasses (3), -15 methods relating to the user, such as retina scan, facial recognition or voice recognition. minimum structured to ensure that biometric data is kept on record a database (4) and -Upon the user's request to perform a financial transaction, a smart signal is requested from the user. biometrics such as retina scan, face recognition or voice recognition with glasses (3). data collection, the collected data is based on previously obtained user data and 20 matching with the data kept in the database (4), matching positive this requires the user to approve the financial transaction and the completed transaction. at least one major language model that provides explanations to users. Includes server (5). The electronic device (2) in the system (1) which is the subject of the invention, is used for data input. smartphone, tablet computer or with a keypad or touchscreen that provides It is a device that is a portable computer. In the preferred arrangement of the invention electronic device (2), users can access a web page or application It is configured to enable the initiation of financial transactions. Electronic device 30 (2), if needed before a financial transaction is carried out 4 This will require the user to enter their information for biometric data verification. facial recognition, retinal scan, and voice scan data related to user information to ensure that it is taken to be kept under record in the database (4) is structured. The electronic device (2) is structured so that the user can perform what he / she wants. Smart glasses (3) 5 for use in the personal verification process in financial transactions consent is required for the collection of biometric data and for voice authentication using the "key". The system is configured to identify and activate specific "words / sentences". Electronic device (2) during biometric data verification of the user to provide at least one interface that allows the user to give voice confirmation It is structured. The electronic device in question (2) is 10 in the known state of the art. using any remote communication protocol available, connect to the server (5) to establish and exchange data with the server (5) through this established connection It is structured to enable its realization. The preferred method of the invention. In its application, the Internet is used as a data bus with electronic devices (2) and server (5). It is configured to exchange data using 15 The smart glasses (3) included in the system (1) which is the subject of the invention, any remote communication to establish a connection with the server (5) using the protocol and this established connection It is configured to exchange data with the server (5) via. Smart glasses (3) are worn on the user's eyes and provide facial recognition for the user, 20 camera, sensor, microphone and It has a speaker. Smart glasses (3) enable the user to realize the financial an electronic device (2) is needed when biometric data verification is required for a transaction to ensure that biometric data is collected and transmitted to the server (5) without being heard It is being structured. Smart glasses (3), authentication with biometric data 25 a natural language explanation of the financial transaction that followed to enable the explanation to be presented to the user as an audio or text-visual format It is structured. In one application of the invention, smart glasses (3), camera, sensor, It is a smartwatch equipped with a microphone and speaker. 5 The database (4) in the system (1) which is the subject of the invention is in communication with the server (5) and is configured to be managed by the server (5). The invention is preferred In the regulation made, the database (4) contains the personal and financial information of the user. Face recognition, eye retina scanning, and voice scanning, all matched with relevant information. It is structured to ensure that data is kept on record. 5 The server (5) in the system (1) which is the subject of the invention, any remote communication to communicate with the electronic device (2) using the protocol and the established protocol data through communication with the application (3) carried out on the electronic device (2) It is configured to carry out the shopping. Server (5), database (4) and 10 being in communication, making new data entries into the database (4), data deletion of registered data in the database (4) or within the database (4) Modification of registered data and registered data in the database (4) to manage the database (4) by operations such as updating It is configured. The server in question (5) stores the user's financial information and 15 through any transaction channel such as ATM, POS or mobile application It is structured to enable the retrieval of information about financial transactions. Server (5) requires verification or security before the transaction is carried out. The process needs to be analyzed for control purposes and if the process is found to be risky. It is configured to require a second verification in this case. 20 Server (5) enables the user to perform biometric transactions via smart glasses (3) for risky transactions. whether the permission for approval is active and the "key" for voice confirmation It is configured to check whether the "word / sentence" is active or not. Server (5) to perform biometric data verification once the approvals are active. 25 biometric methods belonging to the user, such as facial recognition, eye retina scanning and voice scanning to obtain at least two of the data via smart glasses (3) and smart glasses (3) It is configured to request verbal confirmation from the user. Server (5) received the biometric data taken via smart glasses (3) before it was received to ensure comparison with biometric data recorded in the database (4) It is structured as follows: The server (5) performs Pattern Matching 30 of the eye retina scan. (Retinal Vascular Tree Analysis) (Pattern Matching (Retinal Vascular Tree) 6 Analysis), Template Matching (Minutiae Based) (Based) or Deep Learning (CNN – Convolutional Neural Networks) (Deep Learning using (CNN – Convolutional Neural Networks) algorithms It is configured to enable comparison. The server (5) is configured to enable face recognition. FaceNet, ArcFace, DeepFace, Eigenfaces / Fisherfaces, Dlib with HOG + SVM 5 It is configured to enable comparison using the server (5), Voice recognition and authentication using MFCC (Mel-Frequency Cepstral Coefficients) + DTW. Speaker Embeddings (x-vectors), Deep Neural Networks (eg ResNet, LSTM for (voice), comparison using Google's Speaker Verification Systems It is configured to provide. Server (5), smart 10 as a result of comparison. biometric data taken instantly with glasses (3) and data in the database (4) If a match is found, approval is given for the financial transaction to be carried out and the transaction about the user in natural language, either spoken or in text, using a large language model. to enable a description to be transmitted via smart glasses (3) in the form of a visual It is structured accordingly. Server (5), as a result of comparison, biometric 15 If the data does not match, the requested transaction will not be approved. to provide and use the large tongue model of the user through smart glasses (3) being informed with an explanation in natural language, either in audio or text-based visual form It is structured to provide this. Industrial Application of the Invention In the system that is the subject of the invention, (1) the user uses biometric smart glasses (3) data is collected and used in the verification process in financial transactions. It ensures that it is recorded in the database (4). Then, 25 can be made through any channel. Information about the financial transactions performed is collected and examined, and biometric verification is carried out. thanks to his smart glasses (3) without needing his electronic device (2) when needed biometric data are collected and compared with the data in the database (4) The verification process is completed. If the comparison result is positive, the user's The financial transaction is confirmed and the user is notified via smart glasses (3) in large language 30 An explanation prepared using this model is presented in audio or text-based visual form. 7 Around these basic concepts, the invention relates to “A Financial Transaction Approval System (1)” It is possible to develop a wide variety of applications, and the invention described herein It cannot be limited to examples; it is essentially as stated in the requests.

Claims

8 REQUESTS 1. In banking transactions, the user's data must be previously paired with the device. financial transaction approval via a smart glasses device providing; 5 -to enable users who are bank customers to carry out financial transactions and transaction verification processes required during transactions to provide at least one interface that enables actions to be taken at least one electronic device configured (2), -a device worn by the user and needed while performing financial transactions. 10 Identification methods such as retina scans, facial recognition, or voice recognition. collection of biometric data to be used in verification processes at least one smart glasses (3) that provides -user-related methods such as retina scan, facial recognition, or voice recognition 15 designed to ensure that biometric data is kept on record. at least one database (4) and - upon the user's request to execute a financial transaction retina scan, face recognition or voice from the user with smart glasses (3) the collection of biometric data in the form of identification, and the further processing of the collected data 20 previously received about the user and kept under record in the database (4) matching the data, and if the match is positive, the user's financial approval of the transaction and the large language used for the transaction. At least one server (5) that provides explanations to users with the model a system characterized by its inclusion (1).

2. Users conducting a financial transaction via the webpage or application. with an electronic device (2) configured to enable its initiation A system like the one in Claim 1, characterized (1).

3. If needed before the financial transaction is carried out 30 User information for the biometric data verification that will be carried out 9 entry and facial recognition and eye retina scanning related to this user information and voice scan data are kept on record in the database (4) characterized by an electronic device (2) configured to enable its receipt. A system like the one in Request 1 or 2 (1).

4. Personal verification for the financial transactions the user wishes to perform. biometric data via smart glasses (3) to be used in the process We request permission to receive and provide the "keyword / phrase" for voice verification. an electronic device configured to enable identification and activation (2) like any of the above-mentioned claims characterized by 10 system (1).

5. During biometric data verification of the user, the user's voice... configured to provide at least one interface that allows it to give approval any of the above claims characterized by an electronic device (2) 15 a system like one of them (1).

6. Connect to the server (5) using any remote communication protocol. to establish and exchange data with the server (5) through this established connection 20 characterized by smart glasses (3) structured to perform a system like any of the above requests (1).

7. It is worn on the user's eye and provides facial recognition and retinal recognition for the user. camera, sensor, microphone and to perform scanning and voice scanning The above 25 characterized by smart glasses with speaker (3) a system like any of the requests (1).

8. Biometric data for a financial transaction the user wishes to perform. without the need for an electronic device (2) when verification is required To ensure that biometric data is collected and transmitted to the server (5) 30 from the above requests characterized by the structured smart glasses (3) a system like any other (1).

9. Financial transactions carried out after verification with biometric data. A visual or audio description of the process in natural language 5 smart glasses configured to provide this to the user (3) like any of the above-mentioned claims characterized by system (1).

10. Containing personal and financial information belonging to the user, matched with 10 facial recognition, eye retina scanning, and voice scanning data are being recorded. characterized by the database structured to ensure its retention (4) a system like any of the above-mentioned requests (1).

11. User's financial information via ATM, POS or mobile application 15 financial transactions conducted through any such transaction channel server (5) configured to enable the receipt of information a system like any of the above characterized claims (1).

12. Verification or security before the transaction is carried out. The process needs to be analyzed and checked to determine if it is risky. to ensure that a second verification is requested if found from the above requests characterized by the configured server (5) a system like any other (1). 25 13. Biometric verification of the user via smart glasses (3) for risky transactions whether the permission to grant it is active and the "key" for voice confirmation configured to check if the "word / sentence" is active. 30 in any of the above requests characterized by the server (5) such a system (1). 11 14. To perform biometric data verification once the approvals are active. user-specific facial recognition, eye retina scanning, and voice scanning to obtain at least two of the biometric data via smart glasses (3) and 5 to request the user’s voice confirmation via smart glasses (3) from the above requests characterized by the configured server (5) a system like any other (1).

15. Biometric data received via smart glasses (3) were previously received and data to ensure comparison with the biometric data recorded in the base (4) 10 from the above requests characterized by the server (5) configured for a system like any other (1).

16. Pattern Matching (Retinal Vascular Tree Analysis) of Eye Retinal Scan (Pattern Matching (Retinal Vascular Tree Analysis)), Template Matching 15 (Minutiae-Based) (Template Matching (Minutiae-Based)) or Deep Deep Learning (CNN – Convolutional Neural Networks) using Convolutional Neural Networks algorithms characterized by the server (5) configured to enable comparison. a system like any of the above requests (1). 20 17. Face recognition software such as FaceNet, ArcFace, DeepFace, Eigenfaces / Fisherfaces, and Dlib. to enable comparison using HOG + SVM from the above requests characterized by the configured server (5) a system like any other (1). 25 18. Voice recognition and authentication using MFCC (Mel-Frequency Cepstral Coefficients)+ DTW, Speaker Embeddings (x-vectors), Deep Neural Networks (eg ResNet, LSTM for voice), Google's Speaker Verification Systems 30 with server (5) configured to enable comparison using 12 a system like any of the above characterized claims (1).

19. As a result of the comparison, the biometric data obtained instantly with smart glasses (3) If the data matches the data in the database (4), the financial transaction is 5 approval for the execution of the transaction and providing the user with significant information about the process. using a language model, a natural language in the form of audio or text-to-visual representation. to enable the statement to be transmitted via smart glasses (3) from the above requests characterized by the configured server (5) a system like any of them (1). 10 20. If the biometric data does not match as a result of the comparison to ensure that the intended transaction is not approved and Naturally, the user uses a large tongue model through smart glasses (3) 15 being informed with an explanation in a language, either in audio or text-based form. The above is characterized by the server (5) configured to provide a system like any of the requests (1). 25

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