FINTECH

Face and palm. No card. No phone. Payment completed - biometric authentication live since September 2019

  • Sept 2019

    Live in production

  • Dual-layer

    Face + palm biometric authentication

  • EIT Digital

    Demonstrated at Brussels conference 2019

Biometric paymentFace recognitionPalm recognitionTrust infrastructure

The challenge

Frequent-purchase payment friction - removing the card from the transaction

In high-frequency, low-value payment environments - corporate cafeterias, transit systems, retail POS - the friction of card or phone-based payment adds up. These environments need authentication that is fast, contactless, and fraud-resistant, without requiring the user to carry or present any device. Biometric payment had been a concept for years; the challenge was building it to enterprise-grade security standards and deploying it in production.

The solution

Pay with a Smile -multi-layer biometric payment built on E-Group's Trust infrastructure

E-Group built Pay with a Smile as part of its Trust infrastructure product line, deploying face recognition for primary identification and palm recognition for secondary authentication. The dual-layer approach delivers the security depth of multi-factor authentication at the speed of a contactless transaction. Built in partnership with EIT Digital and demonstrated at the EIT Digital Conference in Brussels in 2019, the solution targets frequent-purchase automation in retail, corporate, transit, educational, and healthcare payment environments. It integrates E-Group's thirty years of cryptographic and identity infrastructure expertise into a consumer-facing payment experience.

The result

Biometric payment live -contactless, cardless, and in production

Pay with a Smile has been live in production since September 2019. It represents the consumer application of the same biometric and identity stack that powers Hungary's national authentication infrastructure - face recognition, liveness detection, and secure biometric data management - deployed at the point of sale. The EIT Digital partnership positioned E-Group at the forefront of European biometric FinTech innovation.

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