xius payment bank
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UNICORE:COMPLETE BANKING ANDPAYMENTS SOLUTION
Who We Are
XIUS is a subsidiary of Megasoft Ltd. (Listed at National Stock
Exchange, India) with
Registered American entity located at Massachusetts
Head Office & Global Delivery Center at Hyderabad, India
Over 2100 man years of telecom expertise
Over 230 network deployments till date
How is XIUS different from the rest ?
We have 120 patent applications filed; 31 awarded
Our solutions manage over 315 million calls a day
We cater to operators & MVNOs across 5 continents
We own the IPR for our solutions; 95% of our
components are built in-house
ISO 9001 & ISO 27001 Compliant
Payments and Banking
XIUS launched its Payments Solution in 2005
Implemented payment processing capabilities for
Mobile Operators and Banks
Enabled services for over 18 Operators/Banks
globally
Handling over 500K distribution channel
points/agents
Volume of money moved - Over $1 billion/month
2005 2006 20082001
2011 2012 20132009-2011
Deployed Mobile Payment& Mobile Money
Management Platformacross 14 properties of
Telefonica/Sprint/U.S.Cellular
Launched our first Mobile based Banking Solution for Diemo’s
Unbanked Segment in Venezuela
Launched Government Money Transfer
Services
Launched International Money Transfer & Payment Services
Handled Roaming Payments & Money
topups across India for operators like Airtel, BPL,
Hu1t1c11h, and Idea
Mobile Payments & Mobile Money
Management Platform Launched. Citibank payments engine
Deployed our first Mobile Payment &
Mobile Money Management Platform
Internationally (Telefonica - Ecuador)
Deployed Mobile Payment & Mobile
Money Management Platform for Celcom Subsidiary, Malaysia
A Bank For The Unbanked: DIEMO
Basic Savings account services
Savings account
Person to person money transfer and receipts
Person to merchant Payments Utility Payments
Services Merchant Account Payments
Establishing Merchant accounts for SME and unbanked
Accepting Payments, Transfers for sale of services/goods Govt. subsidies distribution – Cashless Transactions
XIUS Payment Bank - Service Framework
Bank Accounts will be created for
Customers, Agents, Merchants
All funds will reside in XIUS Core Banking Eco System
Account holders use new age technologies like Mobile,
Kiosks, Web to perform transactions
Agent based banking network enables cash in / cash out
capabilities in conjunction to technology based channels
Account will be integrated with various channels / services
for fund utilization
XIUS Payment Bank - Technology Overview
XIUS Core Banking Eco SystemPayments &
TransfersCustomer Account Management
Agent ManagementMobile Banking
Apps ISO 8583Western Union/
MoneyGramCustomer USSD
SMS IVR
InternetBanking
CRM Admin/User Management API WebServices
VISA/Master/AMEX
Local-LanguageTools
Reporting
TestingMIS
SecurityAuthentication
Audit LoggingMonitoring
HSM, Bio-metrics
SFTPAny Mobile DeviceCard Payment
SwitchNEFT/RTGS/
IMPS LDAPV3
Web GUI(WAP,GPRS) NFC STK
Agent,Corner Store
SettlementsReconciliation
BillersCRM
Socket
CFT ERP
Integration and Interconnect GW LayerCall Center AML
XIUS Payment Bank - Service Features
Customer & Account Management
Customer Registration
Balance Management
Balance Enquiry
Transaction Gateway
Transaction Processing and Monitoring
Multiple Types of Transaction Support
o Peer to Peer Transfer
o Peer to Business / Enterprise Transfer
o Deposits / Collections
o Withdrawals
o Payments to Business / Utility
o G2C Payments
XIUS Payment Bank - High Level Features
eFunding Gateway Notifications and Fee Charge management
Ability to process varied payments using
multiple electronic payment types
Interface with other banking systems, ATM,
Credit Cards and 3rd party payment
processors
Supports ISO 8583 based service integrations
Notification engine defines alerts and
notifications for different events /
transactions
Facilitates defining a transaction fee to the
service initiator or the recipient in case of
P2M transfers or other utility payments
Agent Based Banking System Overview
XIUS Agent Based Banking Platform
Service Creation &ConfigurationManagement
CoreBankin
g
eFundingGateway Utility Service
Providers
Security &Fraud
Management
Agent /Distribution
Management
CommunicationGateway
Other Banks
User Authentication viaFinger Print Capture
Commissions&
Settlements
SMS/USSD/Email/Web
TransactionGateway
Agent Kiosk
Agent
Agent Management – High Level Features
Ease in creation of distribution hierarchy
Supports up to 5 levels of distribution hierarchy
Agents can hold virtual balances
Agents are classified as Prepaid and Postpaid
Peer to peer transfers – Agents can transfer balance to their peers
in the distribution hierarchy
Agents– Portability (Can be moved to a different parent in the
distribution hierarchy)
Supports Synchronous and Asynchronous modes of transactions
Comprehensive access control, security and fraud configurations
Settlement and Reconciliation – High Level Features
Comprehensive Reconciliation Capability
Supports Real Time Reconciliation / Time Staged Recon (EoD) / (EoM)
Post Reconciliation Discrepancies are highlighted for action
Threshold configurations for Service / Channels wiles discrepancies
If Threshold is breached alarm generation and automatic service disabling can
be configured
On reconciliation, Settlement summary based on configured settlement dates.
Settlement summary reports per node / stakeholder in Eco-system
Use of Transaction info for Trend Analysis and refinement of thresholds.
XIUS Payment Bank - High Level Features
Service creation/ConfigurationUbiquitous Access & Multi Lingual
Allows in creating and managing various
services and configurations Service creation and configuration
include Tax & Interest Management
P2P transfers (Intra/Inter bank)
Balance Enquiry
Statement Enquiry ( for a period)
Credit card/Debit card request
Stop payments
Lost card reporting
Commission Management – Definecommissions at various Distribution levels
Fraud Management
Multiple PIN Management Access PIN, Transaction PIN, OTP, Merchant
Transfers PIN
3DES / SSL over HTTPS / Secured VPNs / Encrypted Data transfer / PUK and
PIN Management
Protects Bank against fraud risk on “customer-direct” transactions
Pre-configured fraud rules for identifying high-risk transactions
Transaction specific configurable fraud rules
Different treatments can be defined when a transaction trips a fraud rule
“Soft-block” or “hard-block”
CSRs can override treatments based on authority level
Loyalty and Promotions
Incentivize subscribers to use specific mWallet / mBanking channels
Offer unique marketing programs – for example, subscribers earn points for
each transaction that can later be redeemed for branded merchandise
Allows payment channel to become a revenue source versus a cost center
MultiChannel
GrievancesReceipts •
Customer
Experience
Index
Quick & Easy
Customer
Real-timeMonitoring
With AutoEscalations
Multi-TieredRedressal
Nodal
Officers
Centralized Back Office Centre
Monitor Transactions, their status, TAT, Customer Experience Index
Highly automated business Process
Automated Account and Balance Management
Multi-Tiered Reporting and Control
Settlement and Reconciliation
Compliance Adherence
Generation and Delivery of Compliance Management
Compliance Adherence Score Card
Tiered and Periodic Adherence Reporting MIS Reporting
Account, Customer, Balances, Transactions, Transaction Status, TAT,
Customer Experience Index, Compliance Reports
Agent, Circle, Zone, Head Office level reporting
Central, Regulatory, Compliance Reporting
XIUS Payment Banking Platform - Integrations
SOA based web services Framework - Aggregate
transactions, Fund sources, Payment interface
and align them to each service
Platform Can Interface with
ISO 8583 - National banking systems (NEFT /
RTGS) / ATM / POS
Web Services - Mobile Application / SMS / USSD
/ IVR
Web Services - Utility Service Providers /
Merchant Applications
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