http://ibagroupit.com/print/en/products/information-and-payment-systems/mobile-banking/

IBA Mobile Banking System

IBA Mobile Banking is an innovative solution designed for modern and energetic people who value their time. Intended for mobile phone users, the IBA Mobile Banking System enables them to make payments and retrieve banking information through a bankcard account 24 hours a day.

The application is a software shell for the IBA SMS Banking System providing a convenient intuitive interface to IBA SMS Banking services without a need to care about SMS format or accuracy of the data input. 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.

Application advantages:

  • Data retention for performed operations
  • Possibility to save operation parameters for later use
  • Protection from unauthorized access
  • No need to study instructions
  • No need to remember SMS format
  • No need to type long SMS messages

To make a card account mobile, a customer only needs to install a corresponding application to his/her mobile phone.

Functions

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

Features

 IBA Information and Transaction Terminal (IBA ITT)

  • 17–inch color LCD display with touch screen
  • Universal motorized card reader, EMV, in accordance with EMVCo requirements
  • Pin code keyboard (Encrypted PIN pad, Triple DES)
  • Receipt thermal printer
  • Stereo sound system
  • Uninterruptable power supply
  • Cash acceptor
  • Video surveillance system (optional)
  • Climate control system (optional)
  • System Unit
  • Microsoft Windows-based system software

  IBA Payment Server + IBA SMS Banking

  • Processor: Intel Pentium (Xeon) — 3 GHz or higher
  • Operating memory: 4 Gbyte or higher
  • Hard disk: RAIDS 1 TByte or higher

    IBA Mobile Banking

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.