Biometric Terminal for UBL Bank

HFSecurity’s independently developed and produced biometric terminal helps UBL Bank to provide secure authentication anytime, anywhere

Client: UBL Bank (United Bank Limited) – one of Pakistan’s leading financial institutions

Challenge: Improve customer service flexibility, particularly providing convenient banking services to customers in remote areas or with limited mobility; strengthen identity authentication security and compliance during transactions; and optimize the efficiency and experience of relationship managers’ outreach services (such as account opening, loan signing, and financial consulting).

Solution: Deploy HFSecurity’s advanced biometric handheld terminals.

Result: Enabled true “anytime, anywhere” banking services, significantly improving customer satisfaction and transaction efficiency while significantly enhancing transaction security and compliance.

Challenge

UBL Bank is committed to providing customers with convenient and secure financial services. However, the traditional over-the-counter service model faces limitations in terms of coverage and service flexibility:

• Geographical limitations: Customers in remote areas or those with limited mobility face difficulties visiting branches.
• Efficiency bottlenecks: When relationship managers handle business operations (such as corporate account opening, VIP services, and community finance) while on-site, identity verification relies on paper documents or requires customers to visit branches, making the process cumbersome and time-consuming.
• Security and compliance pressures: Ensuring customer identity authenticity is a core requirement for financial transactions. Traditional methods pose risks in mobile environments and struggle to meet increasingly stringent regulatory requirements.
• Customer experience needs improvement: Customers expect more flexible and faster services, especially in critical business scenarios requiring in-person verification.

Solution

Mobile Intelligent Authentication Platform – HFSecurity Biometric Handheld Terminal

UBL Bank selected our multi-functional biometric handheld terminal as a key tool in its mobile financial services strategy. This device perfectly meets the bank’s need to “bring services to customers”:

Ultimate Mobility:

• Handheld and Portable: Its lightweight design allows account managers to easily carry it to clients’ homes, corporate offices, farms, or any service site.
• Long-Lasting Battery Life: A built-in high-capacity battery ensures 24/7 field work without the need for power.
• High-Speed Networking: A built-in 4G/LTE module ensures real-time, stable access to the bank’s core systems for data exchange and verification, even on the go.

Comprehensive Identity Authentication (Multimodal Fusion):

• Fingerprint Recognition: Quickly and accurately captures and verifies customer fingerprint information, meeting financial-grade security standards.
• Facial Recognition: Leveraging advanced algorithms for liveness detection and facial comparison, it provides a contactless, efficient authentication method.
• Smart Card Reader: Supports reading chip information from contactless and contactless smart cards, such as ID cards and bank cards.
• QR Code Scanner: Quickly scans various QR codes provided by customers (such as pre-filled form codes and electronic ID credentials), streamlining the information entry process.
• (Optional: NFC and signature capture can be added if supported by the device.)
• Powerful integrated functionality: The device integrates a display, keyboard (physical or virtual), camera, and security encryption module, allowing it to seamlessly run customized bank mobile banking applications.

Related Products:

Implementation

UBL Bank deploys handheld terminals in scenarios such as relationship manager outreach, mobile branch services, and door-to-door service for specific high-net-worth clients. Typical applications include:

• Remote Account Opening/Contracting: Relationship managers collect and verify the client’s identity through multiple biometrics (fingerprint, face, and ID) on-site. This verification is combined with 4G real-time connectivity to ensure consistent identification and identity verification, significantly reducing account opening time.
• Loan Application and Disbursement: The entire loan application process, including face-to-face loan interviews, identity verification, and contract signing (with electronic signatures), can be completed at the client’s business location or home.
• Financial Consulting and Purchasing: Provides face-to-face financial services, instantly completing “double recording” (audio and video) and identity verification requirements for high-risk product purchases.
• Corporate Banking: Provides on-site services for corporate clients, such as account opening, legal person changes, and authorizations, which require strict identity verification.
• Account Services and Inquiries: Provides convenient account information inquiries and small-value transactions.

The leading biometric solution provider since 2005.We specialize in providing secure, reliable, and innovative hardware and software products to industries such as finance, government, and social security, helping customers improve efficiency, ensure security, and optimize their service experience. The successful implementation of UBL Bank has further validated the value of our solutions.