Biometric payment system for public transport and retail

Development and support of a biometric acquiring system integrated with national banking infrastructure

#Fintech #.NET #PostgreSQL #Redis #Kafka #BiometricPayments

Project definition

Location
Asia
Client
Major bank and national payment system operator
Project type
Payment System
Industry
Fintech
Service list

Back-end Development

Service Integration

Security & Compliance

Solution Architecture

Team size

L-Size (9+ engineers)

Budget

$250,000+

Task

The client, a major bank, needed to enhance its existing live biometric payment system for retail and metro services. The core challenge was twofold: to ensure the platform's stability and security under increasing load while simultaneously driving its evolution. This involved integrating with new large-scale partners like a metro's facial recognition system and the national payment infrastructure, and developing new features — regaining control of user onboarding by migrating all users from a third-party service and implementing a direct account linking feature within the bank's own application

Solution

We provided comprehensive backend support and development for the entire biometric payment ecosystem. This included maintaining and optimizing the core platform, integrating it with critical external systems like the national payment network, the facial recognition system, and anti-fraud services. We also developed new functionality, such as a proprietary digital signature service to replace a third-party provider and implemented new transaction flows and security features to expand the system's capabilities and ensure its robust, secure operation

Impact

Our work transformed the biometric payment system's stability, efficiency, and strategic control. By developing a robust, proprietary digital signature service to replace an unreliable third-party vendor, we eliminated frequent outages that had disrupted every payment and registration, secured flawless system uptime, and cut associated licensing costs by approximately 30% annually. This foundational stability, combined with key integrations like the national payment infrastructure (NSPK) and the metro's facial recognition system, ensured the high availability and security required to process millions of transactions. These enhancements, alongside new user-centric features, fueled a 35% increase in new user registrations and drove steady growth in transaction volume over the year

.NET 6/8
MSSQL
PostgreSQL
Entity Framework Core
Redis
RabbitMQ
S3 Storage
ArgoCD
Vault
Grafana
Swagger
Postman
💡  This is an AI-CORE project
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💡  This is an AI-powered project
Ftech-it, as an AI-powered company, understands better than anyone how to integrate intelligent components into real products, ensuring speed, accuracy, and seamless production-grade performance
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Project development highlights
01
Mission-Critical Scale

The platform processes biometric payments for a national-level banking and payment system operator, impacting millions of citizens using public transport and retail services

02
Complex Ecosystem Integration

Successfully delivered integrations with over five major external systems, including the national payment system (NSPK) and the metro's facial recognition

03
In-House Security

Developed a proprietary digital signature service, replacing a third-party vendor and increasing security control while reducing costs

04
Advanced Security Protocol

Implemented and maintained robust security measures, including end-to-end message encryption and certificate-based channel security, essential for protecting sensitive biometric and financial data

05
In-House Account Linking for a Seamless User Journey

The bank achieved full control over the user account linking process, significantly enhancing the user experience by enabling seamless biometric registration directly within its own banking application

Development Process

The solution involved maintaining and enhancing a distributed .NET 6/8 backend built on microservices architecture. Key implementations included developing secure integration adapters for NSPK (XML/SOAP) and Way4 (UFX), creating a proprietary document signing service with CryptoPro, and establishing encrypted communication channels. The system utilized PostgreSQL and MSSQL for data persistence, Redis for caching, and RabbitMQ for event-driven communication, with the entire infrastructure orchestrated via ArgoCD and monitored through Grafana and Kibana

Technologies

.NET 6/8
MSSQL
PostgreSQL
Entity Framework Core
Redis
RabbitMQ
S3 Storage
ArgoCD
Vault
Grafana
Swagger
Postman

Biometric payment system for public transport and retail

Development and support of a biometric acquiring system integrated with national banking infrastructure