Fast payment system to use biometrics

[tanjimajuha20]

er also reported that the number of purchases using biometrics has reached 250 thousand per month. More than 75% of payments are made in 13 active regions - including Moscow, Moscow Region and St. Petersburg.

"Today, 36 million of our clients mexico whatsapp number database can touch the technologies of the future and pay for purchases with just a smile," said Kirill Tsarev, First Deputy Chairman of the Board of Sberbank. Payment with a smile is available on 150 thousand devices in the country.

Most often, payments are made in supermarkets, although the service also works in other retail segments. The largest purchase is jewelry worth more than 200 thousand rubles.

By the end of the year, the company plans to introduce smile payment services to other retail segments, including electronics stores.

Read also

The Bank of Russia, JSC National Payment Card System and JSC Center for Biometric Technologies will launch a bioacquiring pilot by the end of 2023. The pilot group will include several trade and service enterprises and banks. Bioacquiring will become part of the fast payment system (FPS): the user will be able to pay for purchases using a facial image.

Information security and trust of Russians
Payment by biometrics will grow - this is the opinion of Stanislav Shilov, Director of Product Development of the Center for Digital Solutions for Business at BSS. According to him, this method of payment is convenient for the client, because he does not need to have a card, mobile phone or other physical medium with him.

There are also factors that hinder the development of biometric technologies. Stanislav Shilov points out that this method of payment requires the presence of infrastructure - devices that can accept payments. The second barrier is the mistrust of Russians. "The population's trust in the security of biometrics is not enough for mass use," explained Stanislav Shilov. "We are talking about the level of trust, that is, the perception of the service as safe, and not about actual security."

Russians do have a negative attitude towards biometric technologies. According to a July study by VTsIOM, 32% of respondents have a negative attitude towards submitting biometric data. Citizens responded that they consider it an invasion of privacy, do not trust, do not see the need for them, and are not very familiar with the topic.

Concerns about security are understandable, since the system has already failed. The Fontanka publication described in September 2023 a case involving a resident of St. Petersburg who paid for his purchases at a supermarket with a smile, but the money was debited from his twin brother's card.

However, experts interviewed by ComNews consider biometric technologies to be safe. Luka Safonov, technical director of the developer of web application security systems Weblock (part of the Garda Group), said that user identification using biometrics is safer than codes, logins, and passwords. "Biometrics cannot be selected by simply trying out options, and it is difficult to forge: given the uniqueness of each person, this data is difficult to reproduce," Luka Safonov believes. "The likelihood of leaks is low because biometric data cannot be changed. This fact was definitely taken into account when ensuring the security of storage systems."

However, Luka Safonov notes that counterfeiting is possible, so services require constant security audits, reliable software, and improved data encryption methods.