Payments.
iQ
Self-Service Payments
Management System
www.payments-iq.com
March 2016
Presentation Payments.iQ © Copyright 2016 BS/2. All rights reserved. 1
Software .iQ Family
Presentation Payments.iQ © Copyright 2016 BS/2. All rights reserved. 2
Self-Service Payments
Management System
Payments.iQ – a full-featured software solution for:
Settlement of payments (for utilities, taxes, penalties);
Selling all kinds of electronic services (e.g. tickets, recharge
codes, vouchers, utilities,etc.);
Retail banking automation;
ATM and kiosk network management.
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Fields of application
financial retail post office insurance integral
institutions networks company clearing center
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About Product Payments.iQ
Payments.iQ solution integrates into existing network terminal equipment of banks, trade
organizations and other businesses without violating established infrastructure.
Payments.iQ has been certified with such host solutions and processing centers as:
Presentation Payments.iQ © Copyright 2016 BS/2. All rights reserved. 5
Solution is suitable for various types of devices
ATMs (automated teller
machines) EFT POS terminals
ATSs (automated teller
safes) Cash registers
Payment terminals Mobile devices
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Functions and Advantages
System management
Administrator, operator, technologist and tax inspector workplaces (roles) that
allow dedicated system management.
Flexible mechanism of user rights management.
Replenishment mode support; various methods of collectors‘ identification.
Possibility to quickly enter new service provider or payment template.
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Functions and Advantages
Hardware
Enables cash / cards payments using ISO 8583 and NDC/DDC protocols.
Unified communications protocol allows collecting payment data from a variety
of self-service devices – ATMs, kiosks, SID, EFT-POS terminals, etc.
Possibility of quick adding the new terminal device.
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Functions and Advantages
Functional
A unified user interface for all types of devices from any vendor.
Registration, routing and processing of payment information.
Accepts payments in cash / cards / bank transfer.
Various methods of payer’s identification (by card number, phone number,
payer’s data from service provider’s database, etc.).
Possibility to install a flexible system of commission tariffs for each individual
service provider.
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Functions and Advantages
Analytical
Terminal equipment monitoring (cash level, receipt paper left, protective
sensors, etc.).
Generation of reports, consolidated and analytical statements on system
functioning and transactions.
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Functions and Advantages
Omni-channel
Possibility to make any payment (for utilities, goods and services, budget,
repayment of loans) either in cash or with a bank card using self-service devices
(ATMs, terminals, electronic cashiers), POS terminals, cash registers and mobile
gadgets.
Various payer's authentication methods at self-service terminals (PIN code, NFC
passport, biometric data, customer's code in the goods and services vendor
system, etc.).
Billing system and payment gateway integration with BIS.
Possibility to develop large-scale cooperation projects between banks, payment
systems, Telecom operators, cell phone manufacturers, various services
providers, online stores, etc.
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Certifications and Awards
Security
Payments.iQ complies with the PCI PA-DSS (Payment Application
Data Security Standard) Level 1 requirements.
Best Banking Solution
2012/2013 Best Banking Solution Award from Wincor Nixdorf.
NDC/DDC Protocol
Enables international and local payment transactions in cash as
well as with bank card. In the latter case, the funds are debited
from the account using the NDC/DDC protocol that is used by the
majority of bank ATMs.
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Certifications and Awards
ISO 8583 Protocol
Payment transactions for international and local payment systems
using ISO 8583 protocol that describes transmission as well as
financial messages formats (transactions) from payment cards
data processing systems.
Protopas
ProTopas Suite / Web-Extensions software module designed by
Wincor Nixdorf allows secure usage of the majority of Web
programming tools on ATMs.
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Solution Scheme
1. Possibility of cash and cashless payment for services or products.
2. Omnichannel payment infrastructure: cash registers, EFTP POS terminals, ATMs, payment terminals, mobile devices, etc.
3. Automated workplaces for an Administrator, Operator, Tax inspector (Auditor, Controller) and Technologist. System monitoring.
4. Creation of payments registry, operative calculation of commissions.
5. Collaboration with external systems: processing center, switching center, automated banking system, etc.
6. Omnichannel billing system.
7. Service providers / Merchants.
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Existing Implementations
Bank
The scheme of implementation
on ATM extends the
equipment’s basic functionality
for receiving payments for
various services.
Possible to integrate with any
processing center.
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Existing Implementations
The Insurance Company
Payments.iQ for sale
of insurance policies on
self-service devices
f the insurance company.
Self-service terminal
accepts both cards and cash.
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Existing Implementations
Loan Repayment
Payments.iQ solution’s
implementation for bank
and non-banking credit
organization in order
to provide customers with
the opportunity of self-service
loan repayment on unattended
devices.
The solution is integrated
in bank’s BIS and in credit
organization’s processing
center.
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Existing Implementations
Smart Intelligent Deposit
Payments.iQ software solution
adapted to control various
SIDs (Smart Intelligent Deposit)
expands the equipment’s
basic functionality and offers
additional services
to customers, who are now
able to independently,
without the help of bank
employees, use the device
to deposit cash.
Presentation Payments.iQ © Copyright 2016 BS/2. All rights reserved. 18
Related Products with Payments.iQ
SmartSafe.iQ – a cost-effective multi-vendor software solution for
automated teller safes that helps to manage all cash operations
from currency exchange to cash forecasting.
Dashboard.iQ – ultimate technology-based module acts as a
control center for different modules of .iQ platform and provides
quick access to information influencing the decision making
process. (client-server mode or HTTPS protocol).
TransLink.iQ – a solution for POS terminal devices remote network
management and transactions processing.
Presentation Payments.iQ © Copyright 2016 BS/2. All rights reserved. 19
Related Products with Payments.iQ
Bill Manager.iQ – a system for automatic data collection and bill
generation for provided services, handling payments between
service consumers and service providers.
Remote File Management.iQ – remote file system module which
introduces a feature of remote uploading /downloading files from
a remote terminal to .iQ platform. It allows the bank to download
or update files on any terminal using TCP/IP network.
Presentation Payments.iQ © Copyright 2016 BS/2. All rights reserved. 20
Thank you
for your attention
JSC “PENKIŲ KONTINENTŲ BANKINĖS TECHNOLOGIJOS” (BS/2)
Kareiviu str. 2, LT-08248 Vilnius, Lithuania
Tel.: +370 5 266 45 95
swsales@bs2.lt info@bs2.lt
Presentation Payments.iQ
www.bs2.lt © Copyright 2016 BS/2. All rights reserved. 21
