Tinkoff mobile application

2024

Integration with the Tinkoff Mobile application

Tinkoff Mobile it was integrated c. mobile application Tinkoff Now Tinkoff customers with SIM a Tinkoff Mobile card can manage their SIM card in one place, without an additional application. Tinkoff announced this on April 9, 2024.

The following actions are available in the Tinkoff Mobile section of the Tinkoff mobile application on Android:

• replenishment of the balance sheet;
• Number management, including virtual numbers
• Call and finance details
• Setting up the tariff
• connection and disconnection of services (telephone secretary, call records and others);
• Purchase of packets in roaming
• a trust payment;
• Change and transfer the number
• replacing the SIM card;
• listening to recorded calls.

For users of an iOS application, the functionality of the section depends on the version of the application and will expand with new releases.

Шаблон:Quote 'author = said Vitaly Briedis, CEO of Tinkoff Mobile.

The telephone secretary "spoke" with the voices of Yevgeny Chebatkov and Syenduk

Tinkoff added characters to the phone secretary. Now, in addition to standard voices, comedian Yevgeny Chebatkov and voice actor Syenduk can answer the call. Not only will the phone secretary speak with their voices, but they will use their recognisable communication style. Tinkoff Mobile subscribers can connect the characters Yevgeny Chebatkov and Syenduk for free, and all users of the telephone secretary from Tinkoff, regardless of the mobile operator, will be able to test new characters for free until February 29, 2024.

Syenduk answers the call in the form of a T unicorn. Ti is the symbol of Tinkoff, created together with Syenduk. Evgeny Chebatkov appears in the form of himself.

The telephone secretary from Tinkoff receives, records and decrypts incoming calls into the text if the user cannot or does not want to answer the call. Its main mission is to save user time and protect against spam and fraud.

Шаблон:Quote 'author = Phone Secretary Team from Tinkoff.

2023

Launching a smart financial camera

Tinkoff has developed and launched the Smart Financial Camera. It is able to recognize a variety of objects and objects - from financial information to living things, for example, dogs and cats, and donate to funds to help homeless animals. The bank announced this on December 5, 2023.

With the help of the Smart Camera in the Tinkoff mobile application, you can solve a variety of financial problems in one click: instantly make transfers and payments, scan details and phone numbers, support charitable foundations, etc.

The smart camera combines computer vision and natural language processing technologies developed by the Tinkoff Center for Artificial Intelligence Technologies.

What the Tinkoff Smart Camera can do in the launch version:

• Recognize bank details without a QR code. Users do not need to enter payment information manually. The technology is trained to recognize details even without a QR code;
• Recognize the phone number for translation. The smart camera scans the phone number, including the handwritten one for translation through the Tinkoff application;
• Pay using QR codes. The camera scans the QR code at cash desks in stores, in online stores to make a payment;
• Recognize other objects that have fallen into the frame - for example, animals, and make related payments.

In the immediate plans for the development of the Smart Camera:

• Scanning checks from the restaurant to split the account;
• Scanning checks from stores to obtain cashback and check prices;
• Recognition of any QR codes;
• Scanning bank cards on plastic and handwritten

The smart camera in the Tinkoff application allows you to make payments and transfers. So, in a single interface, users have access to a phone number scanner (including a handwritten one) for translations through the Tinkoff application, as well as payment using QR codes.

With the Smart Camera, you do not need to manually enter payment data, since the technology is trained to recognize details even without a QR code. When the camera points at a document (for example, a housing and communal services receipt), the scanner analyzes the image, finds the area with the data and detects information that does not apply to the details. Next, enters the details in the payment field.

Tinkoff's smart camera is trained to recognize complex objects. At the start, she can identify cats and dogs caught in the lens and offer to transfer the amount to a charitable fund to help homeless animals.

In the near future, the Smart Camera will be able to recognize people, cars, and other complex moving and stationary objects to identify and/or make payments and transfers.

The smart camera in the Tinkoff application is a product created by the teams of the Tinkoff Center for Artificial Intelligence Technologies and Payments. It is based on computer vision technologies that allow you to identify different objects, as well as processing natural language to recognize numbers and handwritten text from any surface. For this, neural networks trained on a large data array are used.

Smart Camera technology is completely secure, as it is a completely internal development of the company (unlike analogues in the market) - client data is not transferred to third-party services.

To use the Smart Camera, you need to go to the Tinkoff mobile application, go to the "Payments" screen, click on the scanner icon in the upper right corner, point the camera at the object and take an action (transfer, payment, etc.). In 2024, the camera will appear on the main screen of the application.

The smart camera is available on Android smartphones with Tinkoff mobile app version 6.18 and higher, as well as for iOS users in the DocStorage app.

Availability of ordering products from Lenta

Customers mobile application Tinkoff have become available to order products from Tapes"." You can order products with cashback up to 10% on the City tab. Tinkoff announced this on September 5, 2023.

More than 35,000 food and non-food products, including products of its own production and own trade brands, can be ordered with a cashback of 10% for the first order and 3% for subsequent orders through the application. In addition, all discounts established by the retail network apply to application users.

The collection and delivery of orders is carried out by employees of the delivery service "Lenta Online." The service is available in all cities of the network's presence. Users can order "fast delivery" - less than 1 hour, or choose a convenient slot.

All questions about the issued orders can be asked around the clock in the Tinkoff mobile application support chat.

At the beginning of September 2023, the service is available for users of devices with. operating system Android

Announcement of the Tinkoff Reviews service with feedback only from real customers

Tinkoff Bank announced on August 25, 2023, the development and launch of its own platform with verified customer reviews - Tinkoff Reviews. This is a service where reviews of only real customers who have used the services of a particular company are published.

Thus, the Tinkoff Reviews platform solves the problem of twisted bots and comments and allows businesses and consumers to receive objective information about the quality of goods and services directly from buyers.

The service is available to users in their Tinkoff application profile, and to legal entities in the Tinkoff Business application.

Based on customer reviews, Tinkoff calculates the final rating of companies on a 5-point scale. Reviews and ratings can be left for goods and services at more than 27,400 different brands and more than 600,000 of their outlets and establishments.

Tinkoff in pilot mode tested service on customer transactions from 2022 - those who paid for the goods or service with a Tinkoff card or through the Shares service.

To evaluate the purchase (leave a review and score on a 5-point scale), you need to go to your profile in the Tinkoff application: to do this, click on the avatar at the very top of the main screen of the application. Next, in your profile, go to the "Reviews" section and select a purchase about which you would like to share your opinion. You can leave a comment in a special window. And to see the opinions of other users, you need to click on the company in the section of the left reviews. There you can also see reviews and responses from company representatives.

The Tinkoff team carefully checks feedback on inappropriate statements, the presence of personal data and links to third-party resources.

Opportunities for customers in the starting version of Tinkoff Reviews:

• leave text comments and photos after purchase;
• put reactions and comment on the reviews of other users;
• rate companies.

Opportunities for legal entities on the Tinkoff platform Reviews:

• Analyze verified feedback in your business account
• Respond to customer comments
• display reviews on your site.

Opportunities for Tinkoff Business customers to check counterparties on the Tinkoff platform Reviews:

• evaluate those counterparties with whom they officially cooperate and exchanged payments in order to further reduce risks and check the counterparty for reliability;
• receive current data about the counterparty from official sources (the Federal Tax Service, the Unified Information System in the field of procurement and the Federal State Statistics Service).

In the near future plans for the development of the Tinkoff platform Reviews:

• development of the web version of the service;
• combining feedback from buyers and legal entities in a single interface;
• integration into the Tinkoff speech technology platform, big data and artificial intelligence technologies;
• tools and indicators in reports in the business accounts of legal entities in Tinkoff Business;
• Launch widgets with real reviews to display on merchant sites.
• Launch offline stickers for companies with the highest ratings.

We process any requests on the network, but pay special attention to complaints from customers. This allows us to maintain or regain their loyalty to the brand and signal to pizzerias or the management company about issues that are not visible "from the kitchen" but that worry our customers. With the connection of the Tinkoff Reviews platform, we increased customer returns in 14 and 28 days by 3-5%. The more channels of communication with customers, the more opportunities they have to report their pain, and we have to regain their trust, said Natalya Rubtsova, an expert on social media customer support at Dodo Pizza.

The Tinkoff Reviews platform helps to better understand users, and we like the chat function. In fact, these are personal messages, as in social networks. You can write to the author of the review, clarify the details and discuss the situation. It will sound unexpected, but there are chats not everywhere, but transferring correspondence to the mail is an extra time and action. As a result, it is possible to communicate with only a part of people when there may be more of them. Tinkoff solves this problem. We see topical questions and immediately draw conclusions: what is great and what should be emphasized, explained Danila Voronov, Head of SMM in Whoosh.

2020

Availability of "Investkopilka" microinvestment service

On June 8, 2020, Tinkoff announced the launch of the Investment Bank, a microinvestment banking service. The investment piggy bank will allow Tinkoff ecosystem customers to regularly save small amounts from everyday debit card purchases and automatically invest them in Tinkoff's Eternal Portfolio exchange-traded funds. Read more here.

Introduction of QR code recognition technology

As part of the expansion of cooperation between Tinkoff Bank and the research company Smart Engines, QR code recognition technology has been introduced into the mobile bank to pay for receipts and make payments. This was announced on June 17, 2020 by Smart Engines.

Tinkoff has been using Smart Engines for 4 years to recognize passports, RUSSIAN FEDERATION driver's licenses, STS, SNILS bank cards and in its mobile server and solutions.

The QR code recognition technology of the Russian developer Smart Engines is available to users in the Tinkoff mobile application for iOS and Android. By scanning the QR code, bank customers pay taxes, fines, utility bills and other receipts, and also make purchases and money transfers directly in the mobile application without the need to manually enter details. When reading, the payment data specified by the recipient in the QR code on the receipt or generated on the computer monitor screen is automatically entered into the corresponding fields.

Smart Engines provides users with high accuracy and speed to read barcodes and is available for use even on low-cost smartphones. The technology supports the recognition of one-dimensional barcodes (UPC-A, UPC-E, EAN-8, EAN-13, Code 39, Code 93, Code 128) and two-dimensional barcodes (QR Code, AZTEC, PDF 417, Data Matrix). In this case, recognition is carried out in the video stream, and all calculations in the process of recognition are performed on the user's mobile phone in real time.

This Smart Engines technology demonstrates high speed and accuracy of reading QR codes. This makes it much easier for our customers to process QR payments in our mobile applications, "says Vyacheslav Tsyganov, Vice President, Information Technology Director of Tinkoff Bank. - For us, the quality of the recognition technology used is important, since it is the reading of the QR code that is one of the simplest, fastest and most promising tools for making payments.

The recognition technologies we are developing are convenient, understandable, fast, accurate and safe, which, I am sure, bank customers feel using Tinkoff's financial services, "comments Vladimir Arlazarov, CEO of Smart Engines, Ph.D.

The ability to design a Tinkoff Black card

On June 1, 2020, Tinkoff Bank announced the launch for customers of the opportunity to issue and use the Tinkoff Black debit card without meeting with a representative and signing an agreement.

The Tinkoff Black virtual card can be instantly replenished immediately after release and start making payments and purchases with cashback on the Internet and in offline stores using a smartphone or smartwatch. It will be possible to sign an agreement with the bank and receive a physical card with a Tinkoff representative later - until that moment, the virtual Tinkoff Black will function in the "prepaid" card mode.

To start using the virtual Tinkoff Black, you need to leave an application for opening an account on the landing, install mobile application Tinkoff, login specifying the phone number, and set. password Next, in the mobile application, you need to connect the account to, Apple Pay or Google Pay Samsung Pay and top it up with a transfer from another card or account, or through. As of Express Checkout June 1, 2020, this opportunity is available for some customers on, Android will soon appear on. iOS

Before signing an agreement with a Tinkoff representative, the Tinkoff Black card will work on the principle of a virtual wallet, the use of which involves a number of restrictions. So, after issuing an application for opening an account and before receiving a plastic card, the client will be able to:

• hold up to 15,000 rubles on the account;
• make payments and purchases with a smartphone in the amount of up to 15,000 rubles. for one operation (spending limit - 40,000 rubles per month) using Apple Pay, Google Pay or Samsung Pay and on the Internet at the card details.

To raise the limits, the client needs to undergo a simplified identification: indicate his passport data in the mobile application or make this request to the Tinkoff employee in the chat of the application/by phone. After passing the simplified identification, the client will be able to:

• keep up to 60,000 rubles on the card;
• make payments and purchases with a smartphone in the amount of up to 60,000 rubles. per transaction (spending limit - 200,000 rubles per month) using Apple Pay, Google Pay or Samsung Pay and on the Internet at the card details;
• make intra-bank transfers or transfers to another card;
• transfer money free of charge by phone number through the Fast Payment System;
• withdraw cash for free at Tinkoff ATMs in the amount of up to 40,000 rubles. per month.

Also, before signing an agreement with Tinkoff, all Tinkoff Black owners will be able to use the Tinkoff mobile application, pay bills using a QR code, save cashback for purchases (1% for everyday expenses, 3-15% for purchases in selected categories, up to 30% for special offers from Tinkoff partners).

After signing an agreement with Tinkoff, customers will have access to the rest of the Tinkoff Black card capabilities. They will be able to receive 4% on the account balance, use the accumulated cashback, withdraw cash for free from Tinkoff ATMs (up to 600,000 rubles per month); replenish accounts free of charge, including from cards of other banks and in cash at Tinkoff ATMs (with bank partners without fees up to 150,000 rubles per month); connect up to 30 accounts in different currencies, switch them among themselves in the Tinkoff mobile application, and also instantly exchange funds between card accounts at the bank rate.

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We gave customers this opportunity: a product with this kind of architecture is the first on the market. We change the idea of ​ ​ banking and do everything to become a bank client as convenient and easy as possible, "- >}}

2019

Possibility of payment for goods and services through the service of Sberbank "Pay QR"

December 24, 2019 Tinkoff Bank announced the beginning of cooperation with Sberbank within the framework of its QR platform. Tinkoff customers will now be able to pay for To the QR code goods and services at different trade points using the Sberbank payment service. "Pay QR

Sberbank's Pay QR service is used primarily by companies and entrepreneurs who do not have traditional acquiring - small shops and beauty salons, flower shops, fairs, markets, etc.

Tinkoff customers can pay for the purchase using a QR code within the framework of the Sberbank Pay QR service directly mobile application to Tinkoff. To do this, in the "Payments" section, select the "Pay by QR code" option, use the camera to scan the QR code posted at the store's checkout, enter the purchase amount and confirm the transaction. This function is already available in the Tinkoff mobile application on, in the iOs near future it will appear in devices on. Android

"Pay QR" allows small and micro businesses to accept non-cash payments from buyers without installing additional equipment and increase sales. It is enough for the seller to have a QR code from Sberbank, which the buyer scans with the camera of his smartphone through the Sberbank Online mobile application or Tinkoff.

This is not our first partner project with Sberbank. We have been developing a transfer service by phone number between Tinkoff and Sberbank customers for more than a year. Now we have decided to make a similar project with QR codes and give our customers the opportunity to conveniently and quickly make non-cash payments through the Pay QR service of Sberbank. We have been developing payment using QR codes in our mobile application for a long time. We are confident that the service will be in wide demand among Tinkoff customers and contributes to the further development of the sphere of non-cash payments in Russia, said Anatoly Makeshin, Deputy Chairman of the Management Board, Director of Payment Systems Tinkoff

Sberbank customers actively use the Pay QR service, as it allows them to make payments at the same level of simplicity and security that they are used to. As part of the development of our own QR platform, we provided a similar opportunity to our partner's clients, who will be able not to deny themselves the usual comfort of making non-cash payments, noted Svetlana Kirsanova, Deputy Chairman of the Management Board of Sberbank

Connection of payment service by QR codes of SBP

On December 19, 2019, Tinkoff Bank announced the connection of a payment service using QR codes of the Fast Payment System (FPS). From December 19, 2019, the service is available in the Tinkoff mobile application on iOS, it will appear on Android in the near future.

You can make a purchase using a QR code at retail trade points and Internet in stores connected to the SBP. You can pay using the QR code of the outlet or using a one-time QR code that the seller generates for a specific purchase. In the first case, the buyer will need to enter the cost of the goods or services on his own. In the second, the cost will already be encrypted in the code, the buyer will only have to confirm the operation.

You can read the QR code using the smartphone camera: after scanning, the user will be redirected to the Tinkoff mobile application to confirm payment.

Also, the purchase can be made directly from the Tinkoff application - in the "Payments" section, you need to select the "Pay by QR code" button, use the camera to scan the QR code and confirm the operation. After confirmation, the money will almost instantly go to the seller's account. Transaction fees will not be charged to customers.

Tinkoff also begins to provide acquiring services for payments using a QR code. The corresponding pilot project will be implemented jointly with the Kassir.ru ticket operator in Volgograd. On the Kassir.ru website in this city, you can pay for tickets using a QR code. When paying for an order, the user will need to select the 'QR code' tab in the mobile application, scan the code and confirm the operation in the Tinkoff application (or another bank that supports payment using the SBP). Also in the first quarter of 2020, a pilot connection of retail outlets to Tinkoff QR acquiring is planned.

The advantage of the QR code payment service is the ease of connection (the entrepreneur does not need to install a POS terminal) and the almost instant crediting of funds to the account.

{{quote 'author = said Sergey Khromov, head of the payments and transfers department of Tinkoff' QR codes, as well as transfers by phone number - a long and well-known story for both us and our customers. At one time, we were one of the first banks in Russia to launch these services in our mobile application - for example, to pay for housing and communal services receipts, withdraw and transfer money. Our clients have been actively using QR payments for several years, they like this option, and for our part we always work to give them the most convenient tools for cashless payment . And integration with the SBP helps to expand these capabilities in the future, }}

Launching a Universal Consumer App

On December 9, 2019, Tinkoff Bank launched the so-called super application, which combined the functions of online banking and consumer services. Through the application, you can make an appointment with a doctor, beauty salons, quests and order cleaning.

The "Services" section will be arranged as a marketplace with the services of bank partners. The first, according to the representative of Tinkoff, will be the Гудз.ру marketplace (owned by M.video), the Utkonos online hypermarket, the Litres group of companies, the Turbo car refueling service (Gazprom Neft and Eka filling stations), the online record aggregator for doctors "Napospavku" and the Yclients small business services aggregator .

The application will include such areas as online retail with the ability to order directly in the application, leisure and city entertainment, fitness and wellness, delivery of finished food and flowers, auto goods and car services, children's goods and services, transport, logistics, car sharing, health, medicine, beauty, cleaning and others.

The bank said in a statement that as it develops, the super application will combine hundreds of functions, services and services from Tinkoff and its partners, leading Russian companies. It will be built on the basis of the Tinkoff ecosystem, which, as expected in the company, by 2023 will unite more than 20 million people, which is more than 10 million customers compared to the beginning of December 2019.^[1]

Tinkoff Junior

Tinkoff Junior is a section in the Tinkoff main application that allows children from 7 to 14 years old to safely use the bank's financial services. A child can independently pay for purchases with a card, withdraw cash from ATMs or save money. The card is linked to the parent's account, so an adult can check the child's expenses, set limits and replenish the card through a mobile application at any time.

2022: Ability to pay for purchases using a QR code

In the children's version of the application Tinkoff , schoolchildren will be able to pay for purchases using To the QR code the fast payment system (). SBP When scanning QR codes, a technology developed by specialists of a Russian company is used, Smart Engines which reported this on September 1, 2022. To pay for purchases through the SBP, a young client bank needs to click on his own, in the card payment section select the item "Scan QR code" and confirm the payment.

High scan accuracy is provided even if the code is corrupted or deviated from the standard. Smart Engines recognition algorithms are resistant to light drop and shooting angle, and provide high quality reading of QR codes, including for users of budget phone models.

We are constantly improving digital services and adding features that make it easier for customers to make payments. The introduction of a QR code scanner from Smart Engines will allow our smallest customers to safely make daily payments in the application and learn how to use banking technologies correctly. For example, schoolchildren who have started the school year will be able to pay for their purchases from a mobile phone, which, as a rule, everyone always has with them, - said Vera Leychenko, head of the Tinkoff deposit and settlement products department.

Notes