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.
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IBA Information and Transaction Terminal ( IBA ITT)
IBA Payment Server
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The IBA Payment System interacts with a bank processing center using ISO 8583 or a bank's proprietary protocol
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.
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Functions
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Features IBA Information and Transaction Terminal (IBA ITT)
IBA Payment Server
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.
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Functions
Features
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System Unit
IBA Software
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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
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
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Functions
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Features |
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Display
Keyboard
Printer
Stereo Sound System Uninterruptible Power Supply Barcode Scanner (optional) Cash Processing
Card Processing
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Safe
Rear Load LED Indication of Operation Modes Power Supply
Power Consumption
Emulations
Additional Features
System Unit
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