MobiBank
Overview
Mobile phones have evolved from being a simple voice-transfer tool to a multi-use device that can serve as a music player, digital planner, or camera - to name a few. Now, this handheld device is poised to help enhance the cashless payment environment by providing an alternative to conventional credit cards.
MobiBank is a mobile banking solution providing many value added services such as: real-time information request (Account balance, Exchange rates .. etc), alerting (Insufficient funds, impaid cheques, withdrawal from ATM .. etc) and mobile payment features such as: Mobile recharge, bill payment processing, Micro-payment & commercial payment processing .. etc
Customers can use SMS, USSD, WAP/Web and even interactive voice to interact and take advantages from the services provided by MobiBank.
MobiBank provides a comprehensive infrastructure to allow for end-to-end transactions to take place between a consumer and a merchant. Using their telecom or debit accounts as a form of "currency", consumers can perform various types of payment transactions to purchase mechandise in a secure and convenient manner. Payment requests pass through a Service provide for authorisation before completing the purchase cycle.
Architecture
Analytics
MobiBank provides smart statistics about service usage leading you to maximize ARPU (Average Revenue Per User) by offering flexible services to your customers depending on their needs.
It is possible to partition your customers into ranges depending on your marketing strategies, for example, with different customer groups such as Enterprises, Personal and Teens you can apply different tarification plans and service parameters.
Key benefits
- Low cost of ownership.
- Increase ARPU (Average Revenue Per User).
- Quality of Service.
- Flexible to adapt customer requirements for new service.
- Rapid service development.
- Fast and easy to use.
- Scalability.
- Flexible billing solution.
- Easy to integrate with other customer platforms through standard & proprietary interfaces for time to market.
- Fast service adaption based on customer requirements.
- Flexible license model.
Main features
- Highly scalable architecture.
- Multi-protocol solution: SMPP (SMS), Voip (Interactive voice), USSD, HTTP/XML, Webservice .. etc
- High availabilities-Active/Active or Active/Standby mode or Distributed.
- Advanced messaging applications.
- Advanced O&M features including JAVA based GUI and SNMP agent.
- Flexible billing.
- Push and Pull messaging interactively.
- High push and pull performance.
- HTTP-s interface.
- Internal firewall for TCP/IP.
- Pull and Push seperate billing CDR and export CDR in Excel format.
- Realtime monitoring and statistics.
- Standard compliance.
- Message filtering and analyzing.
- Message manipulator.
- Message generator.
- Call Detail Record (CDR) generator, enabling billing capabilities.
- System Administration Terminal.
- System Management Interfaces.
- Provisioning Interfaces.
- Event Handler.
- Very modular architecture and highly adaptable according to services and contents.
- Dynamic CDR configurations w/powerful filtering and triggering.
- Supply of API easy to use.
- Client management.
- Security.
- Firewall and Spam message control.
Mobile banking applications (examples)
- Realtime information requests: Account balance, Exchange rates, interest rates.
- Periodic account balance reporting.
- Execution status of a standing order
- Payment status of a cheque issued on the account.
- Insufficient funds alerting.
- Alert on large value withdrawals on an account.
- Alert on large value withdrawals on the ATM or a debit/credit card.
- Requesting the payment of an electronic bill.
- Stop payment instruction on a cheque.
- Disabling a debut/credit card when it's lost or the PIN is known to be compromised.
- Alerts on account activity or passing of set thresholds.
Mobile payment applications (examples)
- Domestic and international fund transfers.
- Micro-payment & commercial payment processing.
- Mobile recharging.
- Bill payment processing.
- Peer to Peer payments & transfers.
- Withdrawal/deposit at banking agent.
Platform support
- Red Hat Enterprise Linux.
- SUSE Linux Enterprise.
- Debian GNU/Linux.
- Ubuntu Linux.
- GNU Linux.
- Unix.
- Sun.
- HP.
- Other proprietary platforms on demand.
