Biometric Payments, Face Authentication, and IoT-Based UPI Payment to Provide Customers with Fast and Secure Experience

Surat. Bank of Baroda has announced three new cutting-edge features on its universal UPI app “bob ePay” to make digital payments more secure, fast, and convenient. These include mobile OS-native biometric authentication, UIDAI-based face authentication, and Internet of Things (IoT)-based UPI payments.

According to the announcement made in Mumbai, bob ePay is a universal UPI app available to customers of all banks. The bank says these new features aim to provide customers with a more seamless and secure digital banking experience.

The bank stated that in today’s era, customers expect hassle-free, fast, and secure digital payments. Through these new technologies, the bank is strengthening security while also improving the user experience.

UPI Payments via Biometrics

Under the new feature, customers can now authorize UPI transactions of up to ₹5,000 using a registered fingerprint or face ID on their mobile phone. This will reduce the need to repeatedly enter a UPI PIN and make the payment process faster and simpler.

This feature enables PIN-less payments while also enhancing security, as only the registered user of the device can approve transactions through biometric authentication. Customers can choose to use either the UPI PIN or biometric option. This feature will be available for person-to-person (P2P), person-to-merchant (P2M) transactions, and services like balance inquiries.

Setting and Resetting UPI PIN with Face Authentication

The bank has also introduced a UIDAI-based face authentication feature for setting or resetting a UPI PIN. Through this, customers can now securely set or reset their UPI PIN using facial recognition and a bank OTP, without relying on a debit card or traditional Aadhaar verification process.

Payments from Smart Devices and Vehicles

With the IoT-based payment feature, customers can now link supported smart devices and connected vehicles to bob ePay and make direct UPI payments. According to the bank, this feature is a significant step towards taking digital payments beyond smartphones.

This system is based on a “Delegated Payments Framework,” where a primary user can authorize a secondary user or device to make payments within a set limit. The bank clarified that each IoT device will be linked to only one primary user at a time, ensuring transaction accountability and security.

Bank of Baroda says that with these new features, bob ePay will strengthen both innovation and customer security in the field of digital payments.

Surat

Surat is a historic port city in the Indian state of Gujarat, renowned for its diamond cutting and textile industries. It was a major trading hub during the Mughal era and later under British rule, known for its shipbuilding and exports of silk and cotton. Today, Surat is a bustling commercial center, blending its rich mercantile history with modern economic growth.

Mumbai

Mumbai, formerly known as Bombay, is a major port city on India’s west coast and the country’s financial and entertainment capital. Originally a collection of seven islands inhabited by fishing communities, it was ceded to the British as part of a royal dowry in 1661 and rapidly grew into a bustling trade hub. Today, Mumbai is famous for its iconic landmarks like the Gateway of India, its vibrant Bollywood film industry, and its unique blend of colonial architecture and modern skyscrapers.