MUMBAI, India, Oct. 26 -- Intellectual Property India has published a patent application (202611106971 A) filed by Chandigarh University on September 05, 2026, for A Secure Contactless Multimodal Financial Kiosk System With Breathing-Pattern Authentication And Multilingual Chatbot Interface.
Inventors include Jeevesh Kumar Rai; Shivansh Rattan; Naman Kumar; Raunak Singh; Rishav Raj; and Shailja Saini.
The application for the patent was published on October 23, 2026, under issue no. 43/2026.
Abstract: The present invention discloses a secure contactless financial kiosk system for banking and microfinance transactions. The system employs mmWave radar-based breathing-pattern recognition as a biometric authentication mechanism and combines the same with facial recognition and expression-based liveness verification. A secondary PIN and a duress PIN provide additional authentication and emergency protection, wherein detection of the duress PIN causes a disguised system response and silent transmission of an alert and selected transaction logs to an authorized entity. A multilingual chatbot interface receives text or speech-based transaction requests, detects the user language, translates the request and determines transaction intent using natural language processing. An AI-based anomaly detection module evaluates transactions against historical user behavior and initiates additional verification for suspicious activity. Transaction and authentication events are securely logged and may be synchronized with a remote server, providing an intelligent, accessible and secure financial kiosk particularly suitable for rural and underserved regions.
Disclaimer: Curated by HT Syndication.
