Smart Engines helps Kuban Credit Bank serve legal entities under a passport

2023: Use of Smart ID Engine to recognize a passport of a citizen of the Russian Federation

Kuban Credit"" began to use technology Smart Engines for recognitions passports citizen of the Russian Federation when servicing legal entities. The system Smart ID Engine bank uses to open a current account of companies and check the customer's data already available in the bank, Smart Engines reported on December 5, 2023.

The technical solution allows you to automatically enter passport data from scans and photos when applying for a company account through your personal account. The system recognizes a passport reversal in less than 1 second. The definition of the document type makes it possible to identify cases when the user mistakenly attaches an image instead of a passport, for example, SNILS.

Kuban Credit also uses Smart ID Engine technology to recognize images of documents of legal entities in the bank's storage.

In May 2022, Kuban Credit launched the Smart ID Engine system for recognizing passports of individuals. This made it possible to double the process of entering passport data into the banking system compared to manual input.

Bank employees use document recognition to serve payers at the checkout. Kuban Credit also uses Smart Engines technologies to read QR codes for payments in a mobile application.

Smart Engines software does not transfer personal data for processing to third-party services and third parties. The software does not require an Internet connection - the entire recognition process is carried out in the bank circuit (on-premium). Smart ID Engine is included |in the register of POMincials of the Russian Federation.

2022

Implementation of QR code recognition

Kuban Credit"" has implemented another functionality from the company Smart Engines for recognition QR codes on electronic documents. You can use the solution in. mobile application Bank

The supply of the QR code recognition software library was carried out by specialists from Finsis JSC. This functionality allows you to make money transfers using the Fast Payment System (FPS), pay for utilities and other payments, and make purchases. To do this, just point the camera at the QR code or select its image in the gallery of the mobile device. After reading the information, the necessary details for the payment or money transfer are automatically entered into the payment form.

The bank continues to work on increasing the functionality of its digital space, - said Maxim Grechikho, head of the Information Technology Department of Kuban Credit Design Bureau. - In this regard, the convenience of using the most frequent financial services is of particular importance. For example, today there is an increase in interest in settlements and payments through QR codes. Taking into account the trend, we decided to introduce technologies for recognizing QR codes from Smart Engines in the Bank's mobile application.

We have created a product of the widest possible use that supports the recognition of one-dimensional and two-dimensional barcodes, "said Vladimir Arlazarov, CEO of Smart Engines, Ph.D . - The technology provides users with high accuracy and read speed that is supported, including on budget smartphone models. Recognition is performed in a video stream or in photos, and all calculations are performed on the user's device in real time. In this case, high-quality recognition is provided even in conditions of low light, unsuccessful shooting angle or geometric distortion, as well as if the code is damaged or has a deviation from the standard.

The service made it possible to twice speed up customer service when performing cash settlement operations, as well as improve the quality of data compared to manual input.

Smart ID Engine Implementation

Kuban Credit Bank has accelerated the service of payers at cash desks by 2 times using passport recognition technology. This was announced on May 19, 2022 by Smart Engines (Smart Endzhins).

The delivery of the Smart ID Engine passport recognition software library was carried out by specialists from Finsis JSC.

An important quality of KB Kuban Credit, both for the payer and for the payee, is the speed and convenience of paying utility bills. The main channel for receiving utility bills in the Bank is still cash desks. At the same time, the fulfillment of the regulator's requirement for the identification of payers brings additional time costs during maintenance. And manual entry of document details by the cashier often leads to the entry of erroneous data into the centralized storage.

Thanks to the introduction of Smart ID Engine passport recognition technology, passport data required to pay utility bills no longer needs to be entered manually. It is enough for a bank employee to scan the document, and the system will instantly extract the necessary information and automatically enter it into the corresponding fields of the payer's card. The solution also supports the recognition of documents in images obtained from a webcam.

The entry of passport data using Smart Engines technologies is safe for the Bank and its customers, since recognition is performed autonomously inside the information loop of Kuban Credit Design Bureau. And images of documents are not transferred for processing to third-party services. The high speed and quality of automatic data extraction in the Smart ID Engine is achieved by using proprietary ones algorithms AI developed by Smart Engines scientists.

One of the goals of the project was to speed up the entry of payer data by cashiers and improve the quality of the data entered. Employees of the credit institution conducted a study of solutions in this area and the decision from Smart Engines won by a wide margin by the sum of the criteria. The convenience of integration made it possible to finalize the Bank's software as soon as possible, make changes to business processes and start operating, "said Maxim Grechikho, head of DIT KB Kuban Credit.

The experience of using the document recognition library in communal cash desks was recognized as successful and as of May 2022, the library is being introduced into other software products of the Bank. In the near future, document recognition technology will be used to serve all private clients in the offices of Kuban Credit Design Bureau.