Palm vein payment solution

Palm vein payment solutions have become an irreplaceable feature in the wave of digital payments. Our company uses the living, non-replicable biometric feature of palm veins as the cornerstone of trust, building a next-generation payment infrastructure with extremely high security and an exceptionally smooth user experience. This solution focuses on providing standardized, scalable, end-to-end payment closed-loop services.

I. Vision and Core Values of the Solution

Vision:

To drive a fundamental shift in payment authentication from “physical evidence” (cards, mobile phones) to “human evidence” (biometrics), defining the next generation of payment standards.

Core Value Proposition:

Security Enhancement: Moving from “ownership verification” to “personal verification,” fundamentally eliminating traditional risks such as fraud and counterfeiting.
Experience Restructuring: Creating a “seamless” payment process, minimizing user disruption during transactions and significantly improving efficiency.
Operational Efficiency Improvement: Providing merchants with high-concurrency, low-latency identity verification and payment services, optimizing labor costs and enhancing operational efficiency.

II. System Architecture: Layered Decoupling and Elastic Scaling

Our solution employs an industry-leading layered architecture design to ensure high availability, security, and scalability of the system.

Perception Layer: High-Precision Biometric Data Acquisition Terminal

Deployed at various payment nodes (POS terminals, turnstiles, self-service machines, etc.).
Utilizing near-infrared light technology, it penetrates the epidermis non-destructively to capture the complex structure of subcutaneous capillary networks.
Built-in 3D liveness detection and anti-spoofing algorithms effectively resist attacks from photos, videos, and models.
Supports millisecond-level feature extraction and performs initial encryption processing on the terminal side.

Platform Layer: Central Intelligent Processing and Decision Engine

Feature Code Management Platform: This platform converts collected palm vein images into unique, irreversible digital feature templates in real time and stores them securely. We employ a distributed storage strategy, storing feature templates separately from user personal identity information, ensuring that even a single point of data breach cannot restore the biometric information.
Unified Identity Authentication Platform: As the system’s “brain,” this platform receives the terminal’s feature code and performs high-speed comparison with the cloud database to complete 1:N or 1:1 identity verification.
Intelligent Payment Routing Gateway: After successful verification, the gateway securely routes the encrypted payment instruction to the corresponding payment channel (UnionPay, NetsUnion, third-party payment platform) to complete the deduction operation.

Application Layer: Flexible Business Interfaces and Management System

Provides standardized APIs/SDKs for quick and low-cost integration into merchants’ existing ERP, CRM, or POS systems.
Equipped with a comprehensive merchant management backend, supporting one-stop operation and maintenance including transaction queries, data analysis, device monitoring, and access control.

III. Analysis of Core Technological Advantages

Unparalleled Security:

Internal Nature: Biometric features are located inside the body, unlike passwords which can be forgotten or fingerprints which can be copied.
Contactless: Eliminates the hygiene risks and physical wear associated with contact devices, adapting to the needs of the post-pandemic era.
High Uniqueness: Palm vein features are extremely complex, making it difficult to find duplicates even among billions of people, resulting in a false recognition rate far lower than other biometric methods.

Superior Performance:

Lightning-Fast Verification: From hand outstretching to payment completion, the entire process takes less than 1 second, with throughput efficiency far exceeding traditional payment methods.
High Concurrency Processing: The platform supports elastic scaling, easily handling peak traffic surges during holidays and promotional events.
High Recognition Rate: Unaffected by skin dryness, superficial abrasion, or ambient light, the recognition pass rate remains consistently above 99.99%.

Deep Privacy Protection Design:

We adhere to the principle of “raw data not leaving the source, feature template not being reconstructed.” The acquired palm vein images are immediately converted into feature codes at the terminal, and the original images are destroyed immediately. Only meaningless feature codes are stored and transmitted, fundamentally ensuring the security of users’ biometric data.

IV. Standardized Business Processes

1. Secure Registration Process:

Users, with explicit authorization, complete ID verification and payment account binding on a designated terminal or partner channel. The system guides users to collect palm vein information and generate a unique feature code, establishing an encrypted association between the “feature code” and the payment account.

2. Efficient Payment Process:

After a transaction, the user hovers their palm in front of the terminal.
The terminal collects and verifies liveness detection and generates a feature code.
The feature code is uploaded to the authentication platform for comparison and verification.
Upon successful verification, the payment gateway initiates a deduction request.
The deduction is successful, and both the terminal and the user receive feedback; the transaction is complete.

V. Deployment and Integration Support

We offer full-stack technology output and flexible collaboration models:

SaaS Services: Providing out-of-the-box cloud services to reduce initial investment for merchants.

Private Deployment: Providing on-premises deployment solutions for large clients with extremely high data security requirements.

Professional Integration Support: Equipped with a senior technical team, providing full lifecycle technical support from solution design, system integration, joint debugging and testing to online operation and maintenance.

The palm vein payment solution is not merely an iteration of payment tools, but a crucial component in building the foundation of trust for the future digital society. It represents the highest standard of biometric technology application in the financial payment field. We sincerely invite partners from all industries to join hands in promoting this secure, convenient, and efficient new payment paradigm and leading the new era of cardless payments.