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Migration to the future

Our traditions go back to the days when first IBM mainframes came to life.
Migration of legacy systems to advanced computer platforms became a key area of focus for the company. For many of our clients, such migration serves as a transformation vehicle to address new opportunities.
Read about IBA migration solutions.
 

View IBA solutions for your industry

Information and Payment Systems

IBA PAYMENT SYSTEM

The IBA Payment System provides a wide range of retail banking services. The IBA Payment System is built on a network of self–service terminals with IBA software for the IBA Information and Transaction Terminal (ITT) and IBA Payment Server.

Functions Features
  • Payment for mobile and home telephone services
  • Payment for public utilities
  • Payment for internet and cable TV services
  • Payment of loans, transfer of money from account to account
  • REGISTER SYSTEM allows the client to save his or her personal information and settings (phone numbers, account numbers) on the server for further use
  • MONITORING SYSTEM provides information about the status of the terminal and its modules
  • CONTROL SYSTEM manages remotely the terminal software, loads files of the information, advertising and voice guidance systems, and resets or shuts down the terminal's computer
  • MEDIA PROVIDER SYSTEM provides the user with reference information. It comprises Info System for information, Media System for advertising, and Voice Guide System for voice support

IBA Information and Transaction Terminal ( IBA ITT)

  • Processor: Intel Celeron (Pentium 4) — 2000 MHz or higher
  • Operating memory: 256 MB or higher
  • Hard disk: 40 GB or higher
  • 15–inch color LCD display with touch screen
  • Universal motorized card reader, EMV (Level 1)
  • EPP–EDM keyboard (Visa PED, Triple DES)
  • Receipt thermal printer
  • Stereo sound system
  • Uninterruptable power supply

IBA Payment Server

  • Processor: Intel Celeron (Pentium 4) — 2000 MHz or higher
  • Operating memory: 512 MB or higher
  • Hard disk: 80 GB or higher

The IBA Payment System interacts with a bank processing center using ISO 8583 or a bank's proprietary protocol

IBA Payment System

Operation Overview

A terminal sends a request for financial transaction to the IBA Payment Server. The Server accepts the request, provides the user with the needed information from the service provider, sends the request to the bank's processing center, and transfers transaction results to the terminal. After the operation is completed, the Server enters the transaction in its transaction database.

At the close of the day, the IBA Payment Server sends a report on completed transactions to the bank's processing center and the Bills System of the service provider.

IBA MOBILE BANKING SYSTEM

IBA Mobile Banking is an innovative solution designed for modern and energetic people who value their time. IBA Mobile Banking allows for performing non–cash payments and receiving banking information services via mobile phone on a twenty–four hour basis.

The Java application IBA Mobile Banking for mobile phones is a software shell for SMS banking functions of the IBA SMS Banking System. The IBA SMS Banking System is designed for financial transactions via SMS messages. Using the system, cardholders can pay for mobile and home phone services, internet services, public utilities or cable TV from their mobile phones.

Functions

  • Check account balance
  • Bills Payment
  • Account statement
  • Billing notification
  • Credit limit alert
  • Lost card blocking
  • Reference information
  • Several cards on one phone number

IBA Mobile Banking

Features

IBA Information and Transaction Terminal (IBA ITT)

  • Processor: Intel Celeron (Pentium 4) — 2000 MHz or higher
  • Operating memory: 256 MB or higher
  • Hard disk: 40 GB or higher
  • 15–inch color LCD display with touch screen
  • Universal motorized card reader, EMV (Level 1)
  • EPP–EDM keyboard (Visa PED, Triple DES)
  • Receipt thermal printer
  • Stereo sound system
  • Uninterruptible power supply

IBA Payment Server

  • Processor: Intel Celeron (Pentium 4) — 2000 MHz or higher
  • Operating memory: 512 MB or higher
  • Hard disk: 80 GB or higher

The IBA SMS Banking System interacts with a bank processing center using ISO 8583 or a bank's proprietary protocol.

Operation Overview

IBA SMS Banking is based on “binding” the client's telephone number to the client's card number. To achieve the binding, the client needs to go through a registration procedure with an IBA ITT. The database of bound mobile phone and card numbers is maintained on the IBA SMS Banking Server. As a result, the client's mobile phone can be used to access the card account.

Information exchange between the IBA SMS Banking System and the SMSC server of the mobile telephone operator is performed using HTTP or SMPP protocols.

IBA SMS Banking can be based on the IBA Payment Server or supplied as an independent system.

IBA INFORMATION AND TRANSACTION TERMINAL

The IBA Information and Transaction Terminal (IBA ITT) is designed for financial transactions and for quick access to reference information. IBA ITT is an ideal facility for bank branches, retail chains, commercial areas, airports, railway stations, hotels, tourist centers, and educational institutions.

IBA information and transaction terminalIBA information and transaction terminalIBA information and transaction terminal

Functions

  • Payment operations cash / card
  • Reference information
  • Advertising

Features

  • 15–inch color LCD display
  • Touch screen, 1024x768 for indoor use
  • Function keys for outdoor use
  • Universal motorized card reader, EMV (Level 1)
  • EPP–EDM keyboard (Visa PED, Triple DES)
  • Receipt thermal printer with presenter
  • Document (A4) thermal printer (optional)
  • Stereo sound system
  • Uninterruptible power supply
  • Barcode scanner (optional)
  • Cash receiver (optional, up to 2 units)

System Unit

  • Processor: Intel Celeron (Pentium 4) — 2000 MHz or higher
  • Operating memory: 256 MB or higher
  • Hard disk: 40 GB or higher
  • Ethernet card: 10/100
  • Port expansion card: RS232
  • Operating system: Microsoft Windows 2000 Professional

IBA Software

  • Payment modules for different service providers
  • Subscribe/unsubscribe module for IBA SMS Banking System
  • Monitoring and control module
  • Internet access module
  • Information system module
  • Advertising system module
  • Voice guidance system
  • Processing center communication module (ISO 8583)
  • Virtual alpha–numeric keyboard

Operation Overview

IBA ITT is a self-service device that can be mounted indoors or outdoors. IBA ITT meets high reliability and durability requirements, and is suited for severe environment conditions. IBA ITT comes as a freestanding or wall–mounted model. The outdoor version has function keys, vandal–proof screen, climate controller, video camera, and infrared backlight.

IBA AUTOMATED TELLER MACHINE

IBA ATM

The IBA Automated Teller Machine (IBA ATM) includes basic essentials for an ATM plus those for an information and transaction terminal (ITT) and a currency exchange machine, all at the most competitive prices. IBA ATM is an ideal facility for bank branches, retail chains, commercial areas, residential localities, airports, railway stations, and hotels.

  • Automated Teller Machine
  • Information and Transaction Terminal
  • Currency Exchange Machine

 

Functions

  • Payment operations in cash or by credit card
  • Currency exchange operations
  • Reference information
  • Advertising

Features

Display

  • Color 15–inch LCD display
  • Vandal–proof screen

Keyboard

  • 8 function keys
  • EPP–EDM keyboard (Visa PED, Triple DES)

Printer

  • High speed receipt thermal printer
  • Hard disk log and flash card

Stereo Sound System

Uninterruptible Power Supply

Barcode Scanner (optional)

Cash Processing

  • Cash receiver (600/1000 banknotes per cash cassette)
  • Friction dispenser (4–6 cash cassettes)
  • Retraction of forgotten banknotes
  • Storing of forgotten banknotes
  • Multiple currency support

Card Processing

  • Universal motorized EMV card reader (Level 1)
  • Secure ard reader slot
  • Retraction of forgotten cards
  • Card return on power failure

Safe

  • 12 mm steel safe with combination lock
  • UL 291security level

Rear Load

LED Indication of Operation Modes

Power Supply

  • 220–240 V, 50–60 Hz

Power Consumption

  • Depends on configuration
  • 400–600 W

Emulations

  • NDC (NCR Direct Connect)
  • DDC (Diebold Direct Connect)

Additional Features

  • Signaling
  • Secret video camera with infrared backlight
  • Backup battery
  • Full–scale PS/2 keyboard

System Unit

  • Processor: Intel Celeron (Pentium 4) — 2000 MHz or higher
  • Operating memory: 256 MB or higher
  • Hard disk: 40 GB or higher
  • Ethernet card: 10/100
  • Port expansion card: RS232
  • Operating system: Microsoft Windows 2000 Professional, Microsoft Windows XP

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