Sberbank: Smile payment system

Main article: Biometric identification technologies

2024

Ability to pay with a card of any bank

Sberbank customers can now pay with a "smile" from the card of any bank. Sberbank announced this on September 26, 2024.

To pay, it is enough to link application SberOnline the desired card to the "Smile Payment" service. Previously, the service was only available for payment from a Sberbank card.

Now Sberbank customers do not need to carry cards of another bank with them - a transaction from a third-party card can be carried out simply by looking at the camera of the Sberbank terminal. It is important that when paying for purchases with a "smile" from a card of another bank, the client will still receive cashback and all the privileges of his bank.

At the same time, in December 2024, Sberbank plans to launch interbank bioequiring. After the launch, "Payment with a smile" will also be available to customers of any card issuing bank accepted in Russia.

"Payment with a smile" is not only a quick and convenient way to pay, but also high reliability, since it accurately identifies the identity of the client. As a second security factor, Sberbank recommends that users install a security code that will be requested when purchases exceed a certain amount.

Sberbank launched the payment service for biometrics in the summer of 2023 and the popularity of this service is constantly growing. The Bank has already installed more than 750 thousand bio-terminals in stores, restaurants and other enterprises, and by the end of the year their number will grow to 1 million.

Шаблон:Quote 'author = said Dmitry Malykh, Senior Vice President of Sberbank, Head of Transactional Banking.

Installation in Moscow of over 40 thousand POS terminals with a smile payment function

Sberbank has installed in stores, pharmacies and other points of sale of its partners in Moscow over 40 thousand POS terminals that allow you to accept payment in all possible ways - with a card with a chip, contactless via NFC, by QR code, and now with the help of biometrics. This service "Payment with a smile" is available to Sberbank customers. Sberbank announced this on March 13, 2024.

The smart system scans the unique features of the buyer's face and only after confirming that the person whose data is tied to the account is looking at the camera, the amount for the purchase is debited from him. At the same time, human data is stored not in the form of a photo, but in the form of a digital code in conjunction with a payment account.

{{quote 'author = said Vyacheslav Tsybulnikov, Vice President of Sberbank - Chairman of Moscow Bank. | Residents and guests of Moscow are increasingly paying with a smile both regular daily purchases and expensive ones, for example, in construction and jewelry stores, as well as in electronics stores. This Sberbank service allows you to pay for a product or service, even if the client does not have a card, cash and smartphone with him. To do this, you need to choose payment with a smile on the terminal screen. The payment process takes a few seconds - just look at the camera. The service is available all over the country, and there are more and more stores that have terminals with built-in cameras,}}

2023: Launch in the fashion segment

Sberbank on November 3, 2023 launched the "Smile Payment" service in the fashion segment. Now you can pay at the checkout in clothing and footwear stores using biometrics.

Payment with a smile is gradually gaining popularity, thousands of supermarket buyers are already using the service every month. We see that customer interest in this method of payment is growing, so we integrate it into other retail sales industries, for example, now shoes and clothes can be paid with a smile. Biometrics transforms the customer experience, because with it purchases become faster and more convenient: you can pay even if you do not have cash, a bank card and a phone with you. And this is just the beginning, because the technology itself is universal: it can be used in any segment, said Sergey Shubochkin, and. about. Director of the Acquiring division of Sberbank.

To activate the new payment method in the SberBank Online application, you need to connect a face recognition service in your profile, select a payment card and create a security code. Or you can even easier - by telling the virtual assistant of SberBank Online "Payment with a smile." By connecting the service, purchases can be paid for simply by looking at the camera.

2020: Launch a system to pay for purchases with a smile

In mid-December 2020, Sberbank announced the launch of a system for paying for purchases using a smile. The details of this project were told by the deputy chairman of the board of the credit institution Alexander Vedyakhin.

We are now launching this technology, when we can, smiling at a special device, in fact, a camera with an artificial intelligence chip, pay for our purchase in a cafe... The technology is understandable, convenient and, in general, does not require high costs, great effort, and for the client it is a new experience. In addition, it's always nice to smile additionally, "he said (quoted by RIA Novosti).

According to Vedyakhin, the system for paying for purchases using a smile by mid-December 2020 is being tested in one of the partner coffee chains. The name of this network was not specified by the top manager of Sberbank. He also called the timing of the commercial launch of the product.

Sberbank launches a smile payment system

This is not Sberbank's first biometric project. At the end of November 2020, the credit institution opened the first updated branch in Moscow with biometrics at the entrance and without employee racks. The biometric system allows you to recognize the client by face and without a passport. And instead of traditional ticket offices with partitions - tables for communicating with the manager.

One of the world's first smile payment technology was introduced by fast food chain KFC. The company, backed by fintech giant Ant Financial, has launched face identification payment technology in one of its Chinese restaurants. The customer needs to provide a phone number linked to Alipay and smile in front of the terminal. During the payment process, the 3D camera scans the buyer's face and checks his identity. For additional security, the system provides the ability to check the phone number.^[1]

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