How to Build a Palm Pay System Using X-Telcom’s Palm Vein Authentication Architecture

How to Build a Palm Pay System Using X-Telcom’s Palm Vein Authentication Architecture

What if you could walk into a store, wave your hand—and that’s it?
No phone, no wallet, no card.

With Palm Vein Authentication, that vision is becoming a reality.
X-Telcom’s Palm Vein Technology makes it possible to create secure, scalable, and contactless payment systems using just the human palm.

Here’s how our architecture enables Palm Pay at speed and scale.


🖐 The Scan: Palm Vein Recognition Starts at the Device

Everything begins with one of X-Telcom’s Palm Vein Scanner devices:

  • XT-PalmVein 01 USB Palm Vein Reader — for desktop POS terminals
  • XT-WavePass500 Android Palm Vein Scanner Device — for self-service kiosks and handheld systems (Android OS)

When the user places their palm near the sensor, our SDK captures both RGB and IR feature points—not just veins, but also surface patterns and textures.

This dual-mode imaging delivers:

  • Greater accuracy in variable lighting and skin tones
  • Higher resistance to spoofing
  • Seamless operation across real-world retail environments

For large-scale platforms, the device also uploads the original palm image alongside the feature string to boost matching precision.


☁️ The Match: Cloud-Based Palm Vein Authentication

Once features are extracted, they’re encrypted and sent via HTTPS to the Palm SDK Server—which may be deployed in the cloud, on-premise, or hybrid infrastructure.

There, our AI recognition engine performs real-time 1:N matching against enrolled palm templates.

Our test results:

  • ✅ Up to 99% success rate
  • ✅ Matching speed of 0.35 seconds, even in databases of 5 million+ users

This is possible thanks to the combination of RGB + IR features and a deep-learning-based architecture—not legacy IR-only systems.


🔄 The Link: Business System Binds Identity to Payment Wallet

Once the Palm SDK Server returns a unique user ID, the customer’s business server takes over:

  • Matches the ID to the user’s stored wallet, bank account, or token
  • Executes a transaction using standard APIs (e.g., payment gateway, NFC handoff, or QR fallback)
  • Sends success/failure status back to the Palm Vein Scanner for on-screen confirmation

Critically, X-Telcom never handles or stores financial data or personal user records—we process only biometric features.


💡 Where Palm Pay Works Best

  • Retail checkout counters
  • Public transit fare gates
  • Canteens and vending machines
  • Hospitals and pharmacies
  • Ticketless events and entertainment venues

Once registered, users can pay anywhere on your network—no cards, no apps, no contact.


🔐 Security, Compliance, and Customization

X-Telcom’s Palm Vein Technology stack includes:

  • AES-256 CBC encrypted storage
  • HTTPS + SSL secure transmission
  • Optional image capture for audit or training
  • Flexible deployment and SDK integration (Windows / Linux / Android)
  • Compliance support for GDPR, PCI-DSS, and local data laws

✅ Summary

With X-Telcom, building a full Palm Pay system isn’t just possible—it’s practical.

From RGB + IR-powered palm capture to real-time authentication, and from backend wallet linkage to complete business control—our Palm Vein Authentication framework supports fast, flexible, and secure biometric payments.

Want to test Palm Pay in your platform?
Contact us for SDKs, demo kits, or custom pilot support.

Let your customers pay with confidence—by palm wave!

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Picture of Cindy Liu
Cindy Liu

Sales Director & Co-Founder of X-Telcom

  • Market Savvy: Expert in identifying market needs across telecom, banking, and government sectors, delivering tailored IoT and MBB solutions.
  • Project Experience: Over 10 years of expertise in B2B solutions, focusing on client needs and market demands.
  • Sales Leadership: Leads X-Telcom’s sales strategies, focusing on product customization, client engagement, and market penetration.
  • Operational Excellence: Oversees factory operations, ensuring high standards with 6 production lines, including SMT capabilities.
  • Global Reach: Strong presence in Africa, the Middle East, and Asia with dedicated local service centers.
  • Contact: Email at cindy@x-telcom.com | WhatsApp: +8619860843404
  • Websitewww.x-telcom.com
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