The intelligent QR capture solution allows fast payment of taxes, fines, invoices, utility bills, and other receipts in the bank’s mobile app.

Over the last 4 years Tinkoff has been using Smart Engines solutions to enable automatic recognition of passport, driver’s license, vehicle registration certificate, insurance policies, and bank cards for the users of the bank’s mobile app (iOs and Android), and server solutions. The QR code scanning system makes it possible for Tinkoff clients to make purchases and money transfers, as well as pay various kinds of receipts, directly in the mobile application without the need to manually enter the details from those documents. Upon recognition, which is carried out on the user’s mobile device, with help of the camera, the data from printed or digital QR codes gets automatically entered into relevant fields.

The solution supports both the latest versions of smartphones and old, low cost mobile devices equipped with a camera. The recognition is performed in a video stream, in real time, and all calculations in the recognition process are performed on the user's device. A plethora of various barcodes are supported by the intelligent QR-code capture system including: one-dimensional barcodes (UPC-A, UPC-E, EAN-8, EAN-13, Code 39, Code 93, Code 128), and two-dimensional barcodes (QR Code, AZTEC, PDF 417, Data Matrix).

“The newly integrated technology from Smart Engines demonstrates high speed and accuracy of QR codes recognition, which greatly facilitates the process of QR payments in our mobile applications for our clients, ”says Vyacheslav Tsyganov, Tinkoff Bank’s Vice President, Director of the IT Department. “Since QR capture is one of the simplest, fastest and most promising payment tools, for us, the quality of the recognition technology is of paramount importance.”

“Tinkoff Bank is the banking sector leader, which sets the benchmark for customer service not only in Russia, and all over the world. The recognition technologies developed by us are easy-to-use, simple, fast, accurate and safe, which, I am sure, clients of Tinkoff appreciate when using the bank’s financial services,” commented the CEO of Smart Engines, Ph.D. Vladimir Arlazarov.