Abstract: The present invention relates to the technical field of electronic payment transactions and biometric identification therewithin. In the general aspect, the invention may be directed to a method for performing a contactless payment transaction using a remote access to a user device via a cloud computer server (“hands free” or “touchless” operations) that will ensure achieving the technical result consisting in providing privacy and security when transmitting user's biometric data, in particular an image of a user's face, for the purpose of identifying him/her for performing the payment transaction.

Abstract: The invention relates to the field of technical infrastructures that ensure the implementation of financial transactions between economic entities, in particular to payment systems that provide ease of use and confidential data security. The present invention is the method of authenticating a customer, the method of carrying out a payment transaction comprising said authentication method, and the payment system implementing the specified methods, which ensure the achievement of a technical effect consisting in expanding the functionality of the payment system and reducing its vulnerability, in particular, by making it possible to conduct a payment transaction in a contactless way, on condition that the reference value of the customer authentication data is stored exclusively on the customer's device, as well as by combining the advantages of online and offline customer authentication procedures.

Abstract: The invention relates to methods for performing an electronic contactless payment transaction using near-field and/or remote communication technologies in which user identification is performed by recognizing a user face image and/or iris image and/or scanning his/her fingerprint and/or through NFC tap of user authenticated device. The method includes: registering a user; performing a payment transaction wherein the following steps are performed: identifying the user by obtaining and further processing his/her biometric data and payment data; starting a payment transaction; scanning the codes of goods and/or services being purchased; performing cash transactions; completing the payment transaction; and processing the data on the purchase completed; wherein at the step of identifying the user, his/her biometric and payment data are transformed into a set of digital data. Furthermore, one will not be able to use these data when the device is accessed illegally.

Abstract: The invention relates to the field of technical infrastructures that ensure the implementation of financial transactions between economic entities, in particular to payment systems that provide ease of use and confidential data security. The present invention is the method of authenticating a customer, the method of carrying out a payment transaction comprising said authentication method, and the payment system implementing the specified methods, which ensure the achievement of a technical effect consisting in expanding the functionality of the payment system and reducing its vulnerability, in particular, by making it possible to conduct a payment transaction in a contactless way, on condition that the reference value of the customer authentication data is stored exclusively on the customer's device, as well as by combining the advantages of online and offline customer authentication procedures.

Abstract: The invention relates to methods for performing an electronic contactless payment transaction using near-field and/or remote communication technologies in which user identification is performed by recognizing a user face image and/or iris image and/or scanning his/her fingerprint and/or through NFC tap of user authenticated device. The method includes: registering a user; performing a payment transaction wherein the following steps are performed: identifying the user by obtaining and further processing his/her biometric data and payment data; starting a payment transaction; scanning the codes of goods and/or services being purchased; performing cash transactions; completing the payment transaction; and processing the data on the purchase completed; wherein at the step of identifying the user, his/her biometric and payment data are transformed into a set of digital data. Furthermore, one will not be able to use these data when the device is accessed illegally.