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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.

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