TARIFNAME Fiziksel kart Kullanilmayan Ödeme/Para Çekme Islemlerinde Güvenlik Adimi Olarak Yüz Tanima Kullanilmasi Teknik Alan Bulus; Fiziksel kart kullanilmadan yapilan ödeme/para çekme islemlerinde güvenlik adimi olarak yüz tanima(1) kullanilmasidir.Yüz tanima sistemi bir yazilim olup, banka tarafindan yazilan veya paket program olarak lisansli bir sekilde satin alinip bankacilik sistemine entegre edilen bir yazilimdir. Yazilimin özelligi, yüz tanima islemi esnasinda kullanicinin yüzünü direk karsidan okumakla birlikte yüzün yaklasik 30 derece saga ve sola çevirerek hareketli bir görüntü üzerinden de okunarak daha güvenli bir yüz tanimlama islemi gerçeklesmesini saglamasidir. Kart sahibinin fiziksel kartini kaybetmesi, banka sistemindeki cep telefonu numarasinin istegi ve bilgisi disinda degistirilmesi, mobil cihazini kaybetmesi/baskalarinin eline geçmesi, kart bilgilerinin istegi ve bilgisi disinda üçüncü kisilerin eline geçmesi gibi güvenlik açigi olan durumlarda ilgili kart'in baskalari tarafindan kullanimini engellemek için banka'nin ödeme/para çekme islemine provizyon onayi vermeden önce son adim olarak mobil bankacilik uygulamasi(2) üzerinden canli ve anlik olarak biyolojik yüz tanima(1) islemi yapilmasi ve yüz tanima analizi sonucunda yüz'ün kart sahibinin banka veri tabaninda(8) önceden tanimlanmis olan yüz biyometrisi ile uyusmasi durumunda isleme onay vermesi, uyusmamasi durumunda da isleme onay vermemesi ve ilgili kart'i blokeleyerek geçici kullanima kapatmasidir. Fiziksel kart kullanilmadan yapilan islemler; Karekod kullanilarak pos cihazindan(3) alisveris yapilmasi, karekod kullanilarak ATM(4) cihazindan islem yapilmasi, Mobil cihaz(5) veya kisisel bilgisayar(6) kullanilarak sanal pos(7) üzerinden online internet alisverisi de dahil olarak tüm Tele Order/Mail Order islemleridir. Bulus sayesinde; Kötü niyetli Üçüncü kisiler tarafindan kart'in kullanilmaya çalisilmasi durumunda; Yüz tanima(1) asamasinin da kullanilmaya çalisilmasi halinde, kötü niyetli üçüncü kisiye ait olan ilgili görüntü'nün yasal mercilere ibrazi amaci ile banka sisteminde sifreli ve güvenli bir sekilde ve yetkili kisiler disinda erisimin mümkün olmayacagi bir sekilde banka veri tabaninda(8) saklanmasi da mümkün olmaktadir. Bulusu içeren fonksiyon, kart sahibi tarafindan istedigi zaman bankaya bizzat/sahsen basvuru yolu ile açilip kapatilabilmekte ve yine bankaya bizzat/sahsen basvuru yolu ile hangi ödeme islem türünde hangi islem tutar alt sinirindan itibaren uygulanacagi belirlenebilmekte ve degistirilebilmektedir. Teknigin Bilinen Durumu Günümüzde, Dünya'da pek çok banka ve diger finans kuruluslari kart sahiplerinin fiziksel olarak kart kullanilmadan yapilan islemlerinde ( yogunlukla sanal pos(7) üzerinden yapilan kartsiz islemler ) çesitli güvenlik özelliklerini kullanmaktadir. 3D secure, Google Pay gibi uygulamalar kart bilgilerinin güvenli bir sifreli veri tabaninda tutularak ve kart sahibine sms parola göndererek online alisverislerde güvenlik saglamaya çalismaktadir. Apple Pay uygulamasi yüz tanima konusunda bir apple ürünü olan Face lD özelligini bir ödeme yöntemi olarak kullanmakla birlikte, ilgili uygulamada kart bilgileri dijital ortamda saklanmakta ve ayrica Apple, Face lD uygulamasini baska herhangi bir sirket/banka'nin kullanimina açmamaktadir. Bu bulusa konu olan yöntemde(1) ise, kart bilgilerinin veri tabaninda saklanmasina gerek olmamakta, yapilan islemin son asamasinda anlik ve gerçek zamanli olarak yüz tanima fonksiyonu(1) kullanilmaktadir. Bulusun Amaci Bulusun amaci, fiziksel olarak kart'in kullanilmadigi islemlerde bir güvenlik adimi olarak kart sahibinin fiziksel yüz tanimasinin(1) yapilarak , islemi yapan kisinin gerçek kart sahibi oldugunun biyolojik olarak da teyit edilerek isleme onay verilmesinin saglanmasidir. Böylece; Kart sahibinin fiziksel kartini kaybetmesi, banka sistemindeki cep telefonu numarasinin istegi ve bilgisi disinda degistirilmesi, mobil cihazini kaybetmesi/baskalarinin eline geçmesi, kart bilgilerinin istegi ve bilgisi disinda üçüncü kisilerin eline geçmesi gibi güvenlik açigi olan durumlarda ilgili kart'in baskalari tarafindan kullanimini kesin bir yol ile engellenmektedir. Bu durum; Karti çikaran finans sirketi için, kartin usulsüz kullanimi kaynakli islemlerden dogan operasyonel yükümlülüklerden kurtararak ayrica ilave bir pazarlama ve satis enstrümani olmakta, banka müsterisi için de çok daha güvenli bir alisveris imkani saglamakta ve kart'in üçüncü kisilerce usulsüz kullanimini engellemektedir. Sekillerin Açiklamasi Sekil-1; POS cihazindan veya ATM cihazindan karekod ile islem yapilmasi esnasinda yüz tanima sisteminin de kullanilmasini içeren süreç semasidir. Sekil-2 ; Sanal POS cihazindan karekod ile islem yapilmasi esnasinda yüz tanima sisteminin de kullanilmasini içeren süreç semasidir. Bulusun Açiklamasi Bulus; Bulus; Fiziksel kart kullanilmadan yapilan ödeme/para çekme islemlerinde güvenlik adimi olarak yüz tanima(1) kuIIaniImasidir. Kart sahibinin fiziksel kartini kaybetmesi, banka sistemindeki cep telefonu numarasinin istegi ve bilgisi disinda degistirilmesi, mobil cihazini kaybetmesi/baskalarinin eline geçmesi, kart bilgilerinin istegi ve bilgisi disinda üçüncü kisilerin eline geçmesi gibi güvenlik açigi olan durumlarda iIgiIi kart'in baskalari tarafindan kullanimini engellemek için banka'nin ödeme/para çekme islemine provizyon onayi vermeden önce son adim olarak mobil bankacilik uygulamasi(2) üzerinden canli ve anlik olarak biyolojik yüz tanima(1) islemi yapilmasi ve yüz tanima analizi sonucunda yüz'ün kart sahibinin banka veri tabaninda(8) önceden tanimlanmis olan yüz biyometrisi iIe uyusmasi durumunda isleme onay vermesi, uyusmamasi durumunda da isleme onay vermemesi ve ilgili kart'i bIokeIeyerek geçici kullanima kapatmasidir. Fiziksel kart kullanilmadan yapilan islemler; Karekod kullanilarak pos cihazindan(3) alisveris yapilmasi, karekod kullanilarak ATM(4) cihazindan islem yapilmasi, Mobil cihaz(5) veya kisisel bilgisayar(6) kullanilarak sanal pos(7) üzerinden online internet alisverisi de dahil olarak tüm Tele Order/Mail Order isIemIeridir. Bulus sayesinde; Kötü niyetIi Üçüncü kisiler tarafindan kart'in kullanilmaya çalisilmasi durumunda; Yüz tanima(1) asamasinin da kullanilmaya çalisilmasi halinde, kötü niyetli üçüncü kisiye ait olan ilgili görüntü'nün yasal mercilere ibrazi amaci ile banka sisteminde sifreli ve güvenli bir sekilde ve yetkili kisiler disinda erisimin mümkün olmayacagi bir sekilde banka veri tabaninda(8) saklanmasi da mümkün olmaktadir. Bqusu içeren fonksiyon, kart sahibi tarafindan istedigi zaman bankaya bizzat/sahsen basvuru yolu ile açilip kapatilabilmekte ve yine bankaya bizzat/sahsen basvuru yolu ile hangi ödeme islem türünde hangi islem tutar alt sinirindan itibaren uygulanacagi beIirIenebiImekte ve degistirilebilmektedir. Bulusun Bilesenleri (1) Yüz Tanima Yazilimi (2) Mobil Bankacilik Uygulamasi (3) Fiziksel POS Cihazi (4) ATM Makinasi (5) Mobil Cihaz (6) Kisisel Bilgisayar (7) Sanal POS (8) Yüz Tanimlama BiIgiIerinin Saklandigi Banka Veri Tabani Bulusun Süreçleri ; POS Cihazindan(3) Karekod lle Alisveris yapilirken; POS cihazinda(3) çikan karekod'un kart sahibinin mobil cihazindaki(5) mobil bankacilik uygulamasina(2) okutulmasi sonrasinda ödemeye onay vermeden önce, mobil bankacilik uygulamasina gelen bildirim ve bildirime tiklanmasi sonrasinda yüz tanima modülünün devreye girmesi ve yüz tanimlama islemi sonrasinda yüz tanimlama bilgilerinin banka veri tabanindaki tanimli yüz bilgileri ile uyusmasi durumunda isleme onay verilmesi, uyusmamasi durumunda da isleme onay verilmemesidir. ATM Cihazindan Karekod ile islem Yapilirken ;ATM cihazinda çikan karekod'un kart sahibinin mobil cihazindaki mobil bankacilik uygulamasina okutulmasi sonrasinda ödemeye onay vermeden önce, mobil bankacilik uygulamasina gelen bildirim ve bildirime tiklanmasi sonrasinda yüz tanima modülünün devreye girmesi ve yüz tanimlama islemi sonrasinda yüz tanimlama bilgilerinin banka veri tabanindaki tanimli yüz bilgileri ile uyusmasi durumunda isleme onay verilmesi, uyusmamasi durumunda da isleme onay verilmemesidir. Sanal POS Üzerinden Yapilan Kartsiz lslemler Yapilirken; Kart bilgilerinin girilmesi/kullanilmasi sonrasinda isleme onay verilmeden önce kart sahibinin mobil bankacilik uygulamasina gelen bildirim ve bildirime tiklanmasi sonrasinda yüz tanima modülünün devreye girmesi ve yüz tanimlama islemi sonrasinda yüz tanimlama bilgilerinin banka veri tabanindaki tanimli yüz bilgileri ile uyusmasi durumunda isleme onay verilmesi, uyusmamasi durumunda da isleme onay verilmemesidir. TR TR TR DESCRIPTION Using Facial Recognition as a Security Step in Payment/Withdrawal Transactions That Do Not Use a Physical Card Technical Field Invention; Facial recognition (1) is used as a security step in payment/withdrawal transactions made without using a physical card. Facial recognition system is a software written by the bank or purchased as a licensed package program and integrated into the banking system. The feature of the software is that, during the face recognition process, it reads the user's face directly from the front, as well as turning the face approximately 30 degrees to the right and left, and reading it on a moving image, ensuring a safer face recognition process. In order to prevent the use of the relevant card by others in cases where there is a security gap, such as the card holder losing his physical card, his mobile phone number in the bank system being changed without his consent or knowledge, his mobile device being lost/falling into the hands of others, and his card information falling into the hands of third parties without his will or knowledge. As the last step before giving provision approval for the payment/withdrawal transaction of 's, live and instantaneous biological facial recognition (1) is performed via the mobile banking application (2) and as a result of the facial recognition analysis, the face's face is recorded in the card holder's bank database (8) in advance. If it matches the defined facial biometrics, it approves the transaction; if it does not, it does not approve the transaction and blocks the relevant card and makes it temporarily unusable. Transactions made without using a physical card; All Tele Order/Mail Order transactions, including shopping from POS device (3) using QR code, transaction from ATM (4) device using QR code, online internet shopping via virtual POS (7) using mobile device (5) or personal computer (6). transactions. Thanks to the invention; In case malicious third parties try to use the card; If the facial recognition (1) stage is attempted to be used, the relevant image belonging to the malicious third party should be stored encrypted and securely in the bank system and in the bank database (8) in a way that is not accessible except by authorized persons, for the purpose of submitting it to the legal authorities. It is possible. The function containing the invention can be turned on or off by the cardholder at any time by applying to the bank in person, and it can be determined and changed in which payment transaction type and from which transaction amount the lower limit will be applied, by applying personally to the bank. Known State of the Technology Today, many banks and other financial institutions in the world use various security features in the transactions of cardholders made without using a physical card (cardless transactions mostly made through virtual POS (7)). Applications such as 3D secure and Google Pay try to provide security in online shopping by keeping card information in a secure encrypted database and sending an SMS password to the card holder. Although the Apple Pay application uses the Face LD feature, an Apple product for facial recognition, as a payment method, card information is stored digitally in the relevant application and Apple does not make the Face LD application available to any other company/bank. In the method (1) that is the subject of this invention, there is no need to store card information in the database, and the face recognition function (1) is used instantly and in real time at the last stage of the process. Purpose of the Invention The purpose of the invention is to perform physical facial recognition (1) of the card holder as a security step in transactions where the card is not physically used, and to ensure that the transaction is approved by biologically confirming that the person making the transaction is the real card holder. Like this; There is no definitive way to prevent the use of the relevant card by others in cases where there is a security gap, such as when the card holder loses his physical card, his mobile phone number in the bank system is changed without his consent or knowledge, his mobile device is lost/came into the hands of others, and his card information is taken into the hands of third parties without his will or knowledge. It is blocked by . This situation; It also serves as an additional marketing and sales instrument for the financial company that issues the card, saving it from operational liabilities arising from transactions resulting from the irregular use of the card, and it provides a much safer shopping opportunity for the bank customer and prevents the irregular use of the card by third parties. Explanation of Figures Figure-1; It is a process diagram that includes the use of the facial recognition system when performing transactions with a QR code from a POS device or ATM device. Figure-2; It is a process diagram that includes the use of the facial recognition system while performing transactions with a QR code from a virtual POS device. Description of the invention Invention; Meet; Facial recognition (1) is used as a security step in payment/withdrawal transactions made without using a physical card. In order to prevent the use of the relevant card by others in cases where there is a security gap, such as the card holder losing his physical card, his mobile phone number in the bank system being changed without his consent or knowledge, his mobile device being lost/falling into the hands of others, or his card information falling into the hands of third parties without his consent or knowledge, the bank As the last step before giving provision approval for the payment/withdrawal transaction of 's, live and instantaneous biological facial recognition (1) is performed via the mobile banking application (2) and as a result of the facial recognition analysis, the face's face is recorded in the card holder's bank database (8) in advance. If it matches the defined facial biometrics, it approves the transaction; if it does not, it disapproves the transaction and blocks the relevant card, making it temporarily unusable. Transactions made without using a physical card; All Tele Order/Mail Order transactions, including shopping from POS device (3) using QR code, transaction from ATM (4) device using QR code, online internet shopping via virtual POS (7) using mobile device (5) or personal computer (6). transactions. Thanks to the invention; In case of an attempt to use the card by malicious third parties; If the facial recognition (1) stage is attempted to be used, the relevant image belonging to the malicious third party should be stored encrypted and securely in the bank system and in the bank database (8) in a way that is not accessible except by authorized persons, for the purpose of submitting it to the legal authorities. It is possible. This function can be turned on or off by the cardholder at any time by applying to the bank in person, and it can be determined and changed for which payment transaction type and from which transaction amount it will be applied, starting from the lower limit. Components of the Invention (1) Facial Recognition Software (2) Mobile Banking Application (3) Physical POS Device (4) ATM Machine (5) Mobile Device (6) Personal Computer (7) Virtual POS (8) Bank Database Where Facial Recognition Information is Stored Processes of Invention; When making purchases using a QR code from a POS Device (3); After the QR code displayed on the POS device (3) is scanned into the mobile banking application (2) on the cardholder's mobile device (5), before approving the payment, the notification received on the mobile banking application is clicked, the face recognition module is activated and after the face recognition process, face recognition is performed. If the information matches the face information defined in the bank database, the transaction is approved, and if it does not match, the transaction is not approved. When making a transaction with a QR Code from an ATM Device; After the QR code appearing on the ATM device is scanned into the mobile banking application on the card holder's mobile device, before approving the payment, the notification received on the mobile banking application is clicked, the facial recognition module is activated and after the facial recognition process, the facial identification information is sent to the bank. If it matches the face information defined in the database, the transaction is approved, and if it does not match, the transaction is not approved. When making cardless transactions via Virtual POS; After entering/using the card information, before approving the transaction, the card holder clicks on the notification and the notification sent to the mobile banking application, then the facial recognition module is activated and after the facial recognition process, if the facial identification information matches the facial information defined in the bank database, the transaction is approved, and if it does not match, the transaction is approved. The transaction is not approved. TR TR TR