A Novel Mobile Wallet Model for Elderly Using Fingerprint as Authentication Factor

Due to the availability of fingerprint verification technology on mobile devices, fingerprint based human identification has become the most widely used biometric technology in everyday life. The elderly find digital payment applications difficult to operate and unsecure. This work has exploited fingerprint verification availability on mobile devices to provide a user friendly and secure digital wallet payment facility to elderlies who are unable to avail this facility due to the complex infrastructure of traditional authentication mechanisms. A novel digital payment mechanism is presented which uses Bluetooth technology of mobile devices for billing at the point of sale and fingerprint verification for user authentication. A proof of the concept study is presented to validate the proposed model using state of the art usability questionnaires and attributes with the target group. The result indicates that the proposed methodology provides satisfaction and ease of use to the user.