A vein pattern based system for card usage by card owners and their beneficiaries.

摘要

A vein pattern based system for card usage by card owners and their beneficiaries which comprises, a vein pattern scanner (1) to generate a vein pattern template, (2) a communication means to transfer vein pattern template to a presentation layer wirelessly connected to a cloud based system engine on cloud (4) with cloud based memory (DB) (5), engaged with the cloud platform (9) based system engine on cloud named PayUngli (4) to retrieve, compare, authenticate the finger vein pattern data (1) and associated card data generated at the merchant sale point (6) connected to system engine on cloud (4) via the presentation layer (3) with or without wire, a payment gateway connecting the system engine on cloud (4) and the bank/financial institution network of the user (8). The system provides for one profile for one cardholder or beneficiary with multiple cards and enables controls.