Point: Mobile application

2024: Ability to send payments through the SBP using the AI Assistant

Point added a way to send payments through the SBP using the AI Assistant. The bank announced this on September 26, 2024.

Entrepreneurs will be able to send a payment using the Fast System payments (SBP) through the Point AI Assistant. This tool safe and allows entrepreneurs to save time at sending payments.

An assistant can send a transfer by phone number to a pair pressing. To do this, the client needs to write, for example, "Translate Misha 1000 rubles for [bank name] "or type in the search" SBP, " to repeat one of the previous operations.

In addition, the Point AI Assistant can:

• Open a deposit. The Assistant can clarify details about the timing, rates, taxes and deposit insurance, as well as open a deposit in a few clicks without leaving the dialogue. All parameters can be specified in one phrase to save time. For example, "open a deposit for one day without early."
• Download the statement. You can instruct the Assistant to routinely download the statement simply by asking him to do so in one sentence. For example, "excel extract for the second quarter of 2023."
• Learn about taxes. The assistant knows a lot and is ready to talk about taxes. In a dialogue with the Assistant, for example, you can ask what fees you need to pay for 2023. The assistant will find the necessary data in the Online Accounting Department, explain them in simple words and answer questions.

{{quote 'Our AI Assistant answers questions and solves important entrepreneur tasks in one window. For example, you can ask questions of interest about deposits and immediately open the desired deposit. The assistant communicates in a simple, human, understandable language for the entrepreneur and answers instantly. You can also perform a task with the Assistant using one phrases. For example, the transfer of money through the SBP. Assistant recognizes previous recipient by name, abbreviated name the popular bank and the amount, it remains only to confirm the translation with an SMS code, - said Mikhail Korochkin, manager of AI products at the Point.}}

2023: The possibility of unlimited visits to the business halls of a number of airports in the world

Customers of the Point will be able to visit the business halls of a number of airports in the world an unlimited number of times. The bank announced this on September 19, 2023. The international operator of business halls On Pass (Mile On Air), whose partner Tochka became, is an alternative to Priority Pass, which operated in Russia until March 2022.

Customers of the Point will have access to business halls at more than 100 airports in the world, including many cities of Russia, as well as megacities in foreign countries. Among the cities in which the system operates are Dubai, Geneva, Yerevan, Kuala Lumpur, Istanbul, Bangkok, Phuket and others.

In 2022, after Priority Pass suspended operations in Russia, we compensated our customers for visiting business halls at airports in the world. As of September 2023, the clients of the Point have the opportunity to become users of a system that works stably in the Russian Federation, is available from a mobile application and applies even to far abroad, "explained Georgy Stepanov, product manager at the Point.

In order to gain access to business halls, customers do not have to start a special bank card: the aisles are recorded by the entrepreneur's phone number. Customers will be able to pay for passages to business halls with loyalty program points accrued by the Point.

2022: Integration with Smart Code Engine

Bank for entrepreneurs and enterprises Point integrated , technology Smart Engines for automatic recognition of barcodes in their own application. Android Customers of the Point can now scan, QR codes AZTEC and other barcodes - and easily pay any bills. Smart Engines announced this on August 3, 2022.

Using the Smart Code Engine software, scanning barcodes has become much faster and more accurate. To send a payment or pay for a service, the Point client only needs to scan the QR code with the device's camera or select a QR code photo from the gallery. The code is read instantly, and all the necessary details are automatically filled in in the form of payment. By scanning the barcode, entrepreneurs can pay any bills for goods and services, as well as tax and budget receipts. The technology allows you to scan codes from literally any surface: documents, screens, photos or in camera mode.

The Smart Code Engine automatically detects, identifies, and recognizes barcode data. One-dimensional and two-dimensional barcodes are recognized: QR, AZTEC, PDF417, DataMatrix, CODABAR, CODE_39, CODE_93, CODE_128, EAN_8, EAN_13, ITF, ITF14. UPC_A, UPC_E. The code is scanned in real time, and the technology algorithms are automatically adjusted to the conditions: lighting, shooting angle and geometric distortion. Therefore, you can get the account details even from a damaged or inverted barcode.

Previously, customers of the Point faced the fact that our application could not count rare types of barcodes. With Smart Engines, we were able to solve this problem, as well as simplify the entire code scanning process. Now the code is easily considered an application, even if there is only a bad photo of the receipt on hand or you urgently need to pay the bill on the way, for example, in a taxi on the way to the airport, "said Boris Vedernikov, Product Owner at the Point.

This technology works in the Points application on Android, starting with version 2.14.

2021

Payment by QR code in the terminal, online accounting in "Point X"

On June 11, 2021, the Bank for Entrepreneurs and Enterprises Tochka announced the improvement of acquiring terminals, the update of the Tochka X application and the personnel accounting service.

Now customers of "Points" will be able to accept payment using a QR code in the terminal. Buyers will be able to pay with both cards and QR codes. To make a payment, the buyer just needs to point the smartphone camera at the QR code and confirm the operation in the application of his bank. And the seller - enter the amount of payment at the terminal and choose the payment method - SBP. If there is no way to pay by QR, you can accept the payment by card.

The fee for payment on QR is 3-4 times lower than that of acquiring, and does not exceed 0.7%, noted in the "Point." As calculated in the bank, every 100 thousand rubles accepted by QR are saved up to 1,500 rubles for an entrepreneur. The fast payment system is actively developing, so more and more buyers will be able to pay through QR codes.

The "Point X" has a quick action menu, currency transactions and online accounting:

• The Point analyzed what functions customers use most often and added them to the quick action menu. Other functions can be accessed at any time.
• Now, to buy or sell currency, it is enough to make a regular transfer between your accounts.
• Online accounting has become available on all Points X platforms: you can receive reminders about the timing of taxes, insurance premiums and reporting, as well as work with other important tasks.

An updated personnel accounting service is also available. The service is suitable for both individual entrepreneurs (on any taxation system) and companies, and completely replaces the accountant with personnel accounting. You do not need to constantly monitor the operation of the service. The company or individual entrepreneur once enters the system, sets their salary and day of payments, after which Tochka forms payments and reminds them of wage days.

Other updates from "Point" include:

• Now electronic signatures for tenders and simple signatures for document management can be ordered in one section.
• With any primary documents, you can immediately make closing documents immediately in your personal account.
• In the main application, you can now pay by QR code and phone number. All customers of the Point can recognize payments with payment by details. And individual entrepreneurs can pay by number through the SBP.
• Updated tax tips will show how the balance on the home page is calculated. Also, tips will help to quickly remove the lock. They work on all platforms - both in the application and in the web version, since blocking can happen at any time.
• A custom menu and a section with auto payments appeared in the web bank.

Updated Business Services Release

Bank for Entrepreneurs and Enterprises Tochka March 12, 2021 announced additional opportunities for business - both for companies and for individual entrepreneurs and freelancers. Also, product-ounders of the Point spoke about the optimization and refinement of existing products of the bank.

The presented products will help to build work with the bank, business partners, foreign counterparties faster and more efficiently. Now customers will be able to use the improved currency service, scoring system, as well as use other useful functions. Making payments by details and tracking tax notifications will be easier and more convenient. And the ability to conclude secure transactions is now available not only to customers of the Point.

The secure deal service is now available not only to Point customers. It is useful primarily for entrepreneurs who work with a counterparty for the first time. The service allows you not to be afraid that the service will not be provided, and the goods will not be delivered. The Secure Deal operates on the basis of a nominal account held by the Point. The bank guarantees the safety of money, and in case of problems, arbitration is involved in solving them.

Transactions with details and payments to the budget have become easier. The form helps you quickly create a payment to the budget - it now has hints. The application correlates the paper form with the fields in the Point X interface and offers fixes for possible errors. The Point also optimized such operations as viewing details, payment by details and repeating transfers from card to card.

We taught the application to calculate your payment fee in advance, to show the period during which the counterparty will receive money. And also, unlike many other banks, we prepared in advance for changes in legislation and finalized the payment to the budget so that you can make it according to the rules that will become mandatory in April 2021, "said Nikolai Novokshonov, product-owner of the main application of the Point.

The point cares about customer privacy: the balance can now be hidden with one wave of your hand.

Tax Interaction Tips. The application user receives complete information and timely and understandable notifications about all changes in working with the tax. If a lock occurs, the application shows complete data, including the document with the basis of the restriction, the reasons, the name of the inspector, as well as recommendations and an action plan.

Improving the scoring system: the assessment of potential employees will become more comprehensive. The system prepares reports with the assessment of the employee or candidate in the basic or extended form. Both options highlight the main risks that arise during employment. It is important to note that the scoring system helps to make a decision, and does not accept it for the client.

{{quote 'In addition to the data that is in the simple report, information about the credit history appears in full, as well as feedback from former employers, the data about which will be provided by the candidate. All this means that the assessment of our scoring system will be more comprehensive, - comments Yaroslav Kozlov, head of the Business with Employees segment. }}

Bank guarantee in one day instead of three. Now the issuance of a bank guarantee in most cases takes one working day instead of three. In addition, the Point has expanded its interest rates and can issue guarantees with a favorable rate of 1.9%. At the same time, the average minimum cost of guarantees on the market is 2.5-3%.

It is important to note that the Point is ready to issue large volumes of guarantees, including for large amounts. The network of partner banks is constantly expanding, therefore, as of March 2021, the Point accepts applications for bank guarantees for commercial purchases.

Map Expense Analytics. The bank's client is always aware of his spending and balance sheet: the full and visual dynamics of all spending in categories is right in the application.

Salary cards of Discovery. In the salary project of the Point, there are already partners on whose cards you can transfer money for free. You can link cards of any banks. For March 2021, at the request of Tochka's clients, a large partner of the salary project appeared - Otkritie Bank. After the release of 'Discovery' cards, salaries can be transferred to them instantly and without commission.

There will be 10 more currencies in which you can open accounts. Point continues to help entrepreneurs work with foreign counterparties. A simple repetition of the currency payment has become available to customers - it is enough to select the desired contract from the list, indicate the amount and account for debiting money. And it will be possible to open an account in 10 additional currencies - this will allow you to exchange currency directly, without losing money on a double commission when converting rubles into dollars or euros. Each of the currencies can be used fully, and you can open accounts for them at the same time and for free. It will also be possible to change the currency at the selected rate. Direct payments in the right currency are much more profitable and faster.

2020: Adding ABBYY FineReader Engine Capabilities

On March 12, 2020, the company ABBYY announced that it had "" Point supplemented with mobile application technology. artificial intelligence ABBYY In the updated version of the application, customers bank can automatically fill in the details to pay any bills. Now, with the help of the service, you can process not only accounts and payment requests, but also notifications, bills for housing and communal services and other receipts. In addition, the updated application allows you to recognize QR codes documents from photos and scans. You can form a payment order in just a few seconds by taking a picture of the account on camera - this is smartphone 6 times faster than typing data manually. ABBYY Algorithms independently determine the type of billing document and send the details to the required fields. The "Points" application is actively used by several hundred thousand bank clients, they process tens of thousands of settlement documents per month.

Using intelligent technologies, ABBYY can work with 7 types of settlement documents, such as invoices for payment, payment orders and requirements, collection orders, notifications, as well as various accounts with QR codes. The ABBYY solution retrieves the details, amounts, and purposes of payment on its own. In documents for paying taxes and contributions, the decision also recognizes the budget classification code (KBC), OKTMO number, taxpayer status, payment period, and so on. After the client checks the correctness of the data, he only has to confirm the payment.

The "Points" application has all the tools so that entrepreneurs can fully manage finances in a mobile bank: simple transfers by card number and account replenishment, quick calculation of tax charges, convenient work with closing documents. With ABBYY technologies, we have given users the ability to pay for any services and fees when it suits them, without unnecessary hassle. The service is constantly developing: we add recognition of new types of documents, introduce other ways to confirm the transaction, speed up payment processing, comments Natalia Kondratenko, product of Tochka Bank