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1 Next Generation Banking system Cloud Banking Brochure

2 Mobile Banking Service Provider Read this first Thank you for your interest in MBSP (Mobile Banking Service provider) Cloud Core Banking products. This service will provide you with high quality mobile and internet banking services, based on MBSP s exceptional technology and high standards. This general information has been specially designed to guide you through the functions and features of this service. Copyright Copyright MBSP Sweden AB, all rights reserved under registered trademark of MBSP and IBSP Hong Kong Ltd. This complete document can be sent, printed, distributed for marketing purposes without written permission of MBSP. Page 2

3 Contents Page Copyright... 2 General information about MBSP Cloud Banking... 4 Available Products and Services... 5 Mobile Banking Service Provider... 5 Desktop Internet Banking... 6 Mobile Phone Internet Banking... 6 Mobile Phone Apps (applications)... 7 Login and Transfer Authentication... 7 Mobile Phone SMS /USSD service... 8 Mobile Phone Merchant Point of Sales (POS)... 8 ATM for Withdrawal and Deposit with recycle function... 9 Bank Cards... 9 Page 3

4 General information about MBSP Cloud Banking MBSP Sweden AB (Mobile Banking Service Provider) introduce the next generation of Cloud Core Banking Solution with license from IBSP (Internet Business Service Provider), to its customers. The Cloud Banking solution includes a core banking database with bank management backoffice, Mobile Banking apps, Mobile Internet, Desktop Internet Services, Mobile operated Merchant POS (Point of Sales), ATM terminals and Bank Cards for easy access of cash and international payments. These services can be used by Private Individuals and Corporations for complete mobile phone based transactions and payments. Cloud Banking solutions is the next generation of Secure Banking where the MBSP services are hosted in secure data centers within the nation, all data and user information is strictly secured and stored in a national cloud data centers. MBSP uses the national cloud services as they have realized that a 24/7 secure data center is the most cost effective and secure solution for the next generation of finance and banking. The cloud banking solution will bring all bankable and non-bankable customers into the bank system with full security and easy to use applications from smart mobile phones, mobile internet services, desktop internet and SMS / USSD services. The supported smart phones for Apps (applications) are Android, iphone and BlackBerry and Windows phones, with reservations for older versions of operating systems and devices. In summary the functions available from the mobile phones are most internet related functions, such as transfers, payments, statements, balance of the accounts for private persons and corporations. Immediate transfer to new customers is available by using any new customer s mobile phone number where the new customer will get accounts and transfers in seconds with immediate clearance and settlement between the accounts. Transfers, payments and services work all days in the week, 24 hours (24/7). Shop owners can use a wireless, battery operated mobile POS (Point Of Sales) device for instant clearance and payment of their sales to their mobile merchant account. All users can purchase products by enter their mobile phone number to the POS and verification is done with the users finger print as a PIN (Personal Identification Code). Page 4

5 The shop owner will also be able to act as a cash point (ATM) for Deposit, Withdrawal of cash to/from the customers, remittance, online currency exchange and customer registration with finger prints. Friends can receive a normal SMS to be able to download the mobile phone App, (application) and getting immediate access to the mobile banking services. MBSP follows the AML (Anti Money Laundering) and KYC (Know Your Customer) regulations and need all users to identify themselves at any local bank office or to an approved sales agent to activate the mobile banking service. Available Products and Services Mobile Banking Service Provider The cloud banking services from MBSP contains different products and services such as; Main banking servers with disaster recovery system Core banking system database with bank management backoffice Desktop internet banking Mobile phone internet banking Mobile phone Apps (applications) Mobile phone SMS/USSD service Mobile phone Merchant Point of Sales (POS) ATM for Withdrawal and Deposit with recycle functions Bank cards with local access or VISA or Master Card access. All services are available via secure internet where customers can handle all their banking from a mobile phone or from different mobile devices. The services handle both private and corporate users where the smart phone, pads and laptops can be used to access the banking services. All services use the mobile phone to authenticate the login, transfer and payments to mobile and computer internet websites. The mobile phone App includes a high secure authentication function with encrypted confirmation codes sent to the bank server for each login, transfer and payment to mobile and computer internet websites. Page 5

6 Desktop Internet Banking For desktop internet users who like to use the MBSP cloud banking service shall first fill in the REGISTER form at the MBSP internet website or at this Mobile Phone App. After registration has successfully been done, the user can use the mobile services with limitations of the functions at the internet banking. To be able to use all functions the user have to be approved by an sales agent or visit a local bank branch office to identify themselves and to activate different levels of the internet banking and mobile phone application. Users of the internet banking services can immediately receive transfers from friends and corporations (salary) before they have identified themselves at any sales agent or local bank branch office, they can see their balance, print out account statements and make limited transfers and payments to other MBSP users. To make outgoing transfers or payment without limitations the user first have to identify themselves and activate the internet banking and Mobile Phone App at any sales agent or at any local bank branch office. For more detailed information refer to Internet Banking User Guide. Mobile Phone Internet Banking For mobile phone internet users who like to use the MBSP cloud banking service shall first fill in the REGISTER form at the MBSP mobile internet website. After registration has successfully been done, the user can use limited functions at the mobile internet banking. To be able to use all functions without limitations the user first have to visit a sales agent or a local bank branch office to identify themselves and to activate the mobile internet banking and Mobile Phone App. Users of the mobile internet banking services can immediately receive transfers from friends and corporations (salary) before they have identified themselves at any sales agent or local bank branch office, they can see their balance and print out account statements and make limited transfers and payments only. Page 6

7 To make outgoing transfers or payment without limitations they first have to identify themselves and activate the mobile internet banking and Mobile Phone App at any local bank branch office. For more detailed information refer to Mobile Phone Internet User Guide. Mobile Phone Apps (applications) For users who like to use the MBSP mobile cloud banking service shall first download the smart phone application from the MBSP website to their smart phone (Android, iphone or BlackBerry) and fill in the REGISTER form at the Mobile Phone App. After registration has successfully been done at the Mobile Phone App, the user can use limited functions at the Mobile Phone App. To be able to use all functions the user have to visit a sales agent or a local bank branch office to identify themselves and to activate the Mobile Phone App. Users of the mobile banking services can immediately receive transfers from friends and corporations (salary) before they have downloaded and identified themselves at a local bank branch office, they can see their balance, send the recommendation SMS to their friends, print out account statements and make limited daily transfers and payments only. To make outgoing transfers or payment without limitations users have to identify themselves and activate the Mobile Phone App with any approved sales agent or at a local bank branch office. For more detailed information refer to Mobile Phone App User Guide. Login and Transfer Authentication For internet banking the Mobile Phone App is used as authentication device for login, transfers and payments at the mobile and computer internet website. The Mobile Phone App has an inbuilt secure encrypted authentication function which shall be used for login and authentication of transfers and payments. Users who doesn t have a personal smart phone, can use a onetime SMS code as login and authentication function. Page 7

8 Mobile Phone SMS /USSD service Users without smart phones can use the mobile banking service with normal SMS communication. The possible functions are: Check your mobile account balance Order statement for your mobile account to your Make transfers to other MBSP users Pay electricity, water, TV and other bills. Topup your phone card Register new customers All SMS payments and transfers are confirmed with a onetime SMS confirmation code to secure the user authentication. The service works only with registered mobile phone numbers where registration and verifications of the user have to be done by a sales agent or at a local bank branch office. Mobile Phone Merchant Point of Sales (POS) Shop owners can use a mobile operated point of sales (POS) device to register purchase with receipt, payments with magnetic or chip cards or payment with registered MBSP customers finger print. The POS can also be used for instant withdraw or deposit of cash to and from the shop owner. Registered customer can use their fingerprint for payment on the POS, where the customer uses their mobile phone number as account number and the finger print as the PIN code for the payment. The POS is wireless, battery operated with GPRS or 3G internet communication through the mobile phone network. The EMV and PCI approved POS terminal handles payments with; magstip or chip cards, finger print or pincode, Deposit and Withdrawal of cash, online currency exchange, remittance and registration of new customers with finger prints. Page 8

9 ATM for Withdrawal and Deposit with recycle function MBSP supports the latest technology of ATM devices from GRG banking, which handles both deposits and withdrawals of banknotes. This ATM device can recycle the deposited notes. MBSP Cloud Banking system supports connection to different ATM networks with different bank cards, including handling of VISA and Master Card according to the international ISO8583 standard. The ATM device can be connected directly to the MBSP cloud banking system with encrypted secure GPRS communication. MBSP supports cardless ATM banking for withdrawal and/ or deposit of cash notes. Cardless ATM banking is the highly secure future of ATM banking where the users won t need cards and don t have to remember pin codes. The user activates the cardless ATM function by choosing this option on the ATM screen, and then enters their mobile phone number. The cloud banking system then generates a onetime PIN code and sends it to the users mobile phone via SMS. Bank Cards MBSP supports local branded bank cards for payment at our POS terminals or VISA or Master Card issued cards for World-Wide payments and withdrawal. The bank cards can be designed with the customer s logotype and design according to local regulations in each country. The cards are connected online with the customers card account and can be connected with bonus functions. Each customer can handle their VISA or Master Card with direct online connection to their card account at the MBSP banking system and get easy access world-wide to millions of shops and ATM machines for cash withdrawals MBSP Sweden AB (Mobile Banking Service Provider) under license from IBSP Hong Kong Ltd (Internet Business Service Provider). Copyright IBSP All rights reserved. Page 9

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