SmilePay™

Say Cheese, Pay with Ease

SmilePay™: Revolutionizing Payments with Facial Recognition Technology

In an era where convenience and security are paramount, SmilePay emerges as a groundbreaking application that redefines the payment landscape. Utilizing advanced facial recognition technology, SmilePay enables users to make payments simply by scanning their face, offering a seamless, secure, and futuristic transaction experience. By using this facility, customers can now make payments for services from merchants without the need for physical payment instruments like cards or mobile phones. Payments can be made simply by scanning their face. The entire transaction process is completed in just two simple steps.

How SmilePay™ Works

SmilePay™ utilizes the BHIM Aadhaar Pay platform powered by NPCI to enable seamless, biometric-based payments between customers and merchants (P2M). This service can be availed by federal bank merchants via bank’s merchant app named FED MERCHANT. The application allows merchants to receive digital payments from customers over the counter via Aadhaar authentication and face recognition. It enables the merchant of FBL to accept payments from customers of any bank (certified with face authentication modality with NPCI) by authenticating the customer's facial biometrics.

Additionally, the merchant's Aadhaar must be linked to their bank account. At the customer's end, they must have a valid bank account seeded with Aadhaar and sufficient balance to complete a successful transaction. We are also working on the additional features to enhance the user experience on both ONUS and OFFUS front of the application.

Making Payments

Customers visiting federal bank merchants having FED MERCHANT application in their mobile simply choose SmilePay™ as their payment method at the checkout. Merchant initiates the payment via FED MERCHANT APP by entering the customer Aadhaar number. Camera in merchant’s mobile scans the customers face, verifying their identity against the stored facial data in UIDAI system. Once verified, the payment is processed instantly, debiting the customers Aadhaar seeded account and crediting the merchant account maintained with federal bank. On successful payment a voice alert is generated by the FED MERCHANT APP informing merchant about the completion of the transaction. Currently, the per transaction limit is set at ₹5,000, and the monthly transaction limit is set at ₹50,000 per customer, which are the standard limits for both AePS and BHIM Aadhaar Pay services cumulatively. 

Implementation

SmilePay™ mode will be available for both Federal Bank and other bank customers (Banks certified for Face authentication modality with NPCI). FBL customers can either enter Aadhaar number/VID /mobile number updated in their custid with bank to initiate the transaction in the app.

For the other bank customers, Aadhaar number/VID will be the input parameter provided to proceed with the payment along with the respective account holding bank name of the customer. Once the authentication is successful, NPCI will send the request to the respective issuer bank for account validation. Once confirmation is received from NPCI, a successful payment confirmation will be shown to the merchant app interface and transaction message will be sent to the customer by the respective issuer. The credit will be instantly transferred to the merchant’s account once the payment confirmation is shown in the Fed Merchant application.

Key Features

Enhanced Security

  • Biometric Verification: Facial recognition is one of the most secure biometric methods, reducing the risk of fraud and unauthorized transactions.
  • Liveness Detection: SmilePay employs liveness detection techniques to ensure the system cannot be fooled by photos or videos of the user.

Convenience

  • Contactless Payments: In a post-pandemic world, reducing physical contact is crucial. SmilePay allows for completely contactless transactions, enhancing hygiene and convenience.
  • Speed and Efficiency: Transactions with SmilePay are swift, reducing time spent at checkout counters and improving overall customer experience.

Integration with Existing Systems

  • Compatibility: SmilePay is designed to integrate seamlessly with Point-of-Sale (POS) systems, making it easy for merchants to adopt.

Privacy and Data Security

Understanding the importance of privacy, SmilePay™ ensures that all biometric data is stored securely and encrypted. The app adheres to stringent data protection regulations, and user data is never shared with third parties without explicit consent. Additionally, SmilePay provides transparency about data usage, giving users control over their information.

The Future of Payments

SmilePay™ represents a significant leap forward in the realm of digital payments. By combining cutting-edge technology with user-centric design, it offers a payment solution that is not only secure and efficient but also incredibly easy to use. As more merchants and users adopt this innovative technology, SmilePay™ has the potential to become a standard method of payment, paving the way for a future where transactions are as simple as a smile.

 

*Face authentication can be performed with any android mobile having the following specifications.

Android 9 and above

RAM: 4+GB

Display Size: 5.5 Inches or greater.

Camera resolution: 13MP or greater

Disk space: 64 GB (Minimum 500MB free disk space)