RUBIKON e-Banking
Rubikon e-Banking is a suite of integrated products that enables financial institutions to expose banking services via electronic channels including ATM/POS, Internet and SMS and offers their customers a secured and around-the-clock access to electronic financial services anywhere and at any time.
The different channels are utilised as an interface with Rubikon core banking solution through a custom built middle-ware. It provides customers of the bank, real-time access to their relationships in the bank such as account inquiries, fund transfers, credit cards, payments and remittances, where one can make payments to individuals or institutions and other general payments on-line.
Rubikon e-Banking is based on n-tier architecture. It offers a high degree of scalability as it can be used in both small application server environments and in multi-server distributed processing environments. The solution is platform independent. It is highly secured and provides support for different authentication mechanisms.
Channel manager
Rubikon Channel Manager acts as an interface between any retail banking application and its external delivery channels like ATM/POS, SMS and Internet banking. It allows the administrative user to easily manage the e-banking environment, which encapsulates customers, accounts, branches, services, currencies and other required elements. Rubikon’s flexible architecture makes it seamless to add new channels. The Channel Manager ensures that customers experience a consistent level of business across all delivery channels.
Administration module
The Administration module utilises the business logic of the core business management system and handles all administrative and back office configurations for the e-Banking solution.
Channel Integrator
The Integrator Service provides a transparent connection point for the channels and the core application. It also provides a transparent communication between the external channels and the core system. The Integrator Service is packaged into nine major services: Security, Post, Transfer, Correspondence, bill, Cheque, Accounts and Customer.
Internet banking
Rubikon Internet Banking has been designed to make online banking experience secure, easy and efficient. The bank’s customers can perform a range of transactions via the internet such as balance information on savings, checking, and loan accounts, pay bills online, initiate stop payments, change password, perform account transfers and schedule recurring transfers.
The Internet Banking offers security to all customer information and protects the confidentiality of the customer’s account(s), through secure sockets layer technology, different levels of authentications, auto timeout screen blanking, failed log-on attempts, virtual keyboard and messaging facility, Rubikon Internet Banking provides account information, cheque services, bill payment and presentment, transfers, e-analysis, corporate user and workflow management, e-pay, e-trade, reporting, internet banking fees/ charges. It also offers customer services facilities such as e-loan, e-statement, credit/debit cards and e-messages amongst others.
Rubikon ATM/POS
Rubikon ATM/POS provides banks with the ATM-Host Interface and offers online support for ATM and Point of Sale devices. It is designed to operate in a centralised multi-branch database configuration in which each ATM device is connected to an ATM host. The ATM host passes transactions to Rubikon for authorisation and allows for the interfacing of all transactions originating from external system (ATM/POS) to the core banking system for routing or authorisation. The interface can handle all standard ISO 8583 messages, which include: authorisation, financial, reversal and network management messages and provides online and real-time transaction activities from any ATM network into the core banking system.
Rubikon ATM supports the following transactions: cash withdrawal, funds transfer, bill payment, balance enquiry, statements, cheque book request, transaction reversals, changing PIN number, recharge voucher sales.
Rubikon SMS banking
Rubikon SMS banking is based on exchange of SMS messages between the customer and the bank. It saves customers the time and effort of going to the bank branches, as the customer can conduct transactions from their mobile phone, irrespective of the service provider. Rubikon SMS Banking is cost effective, available 24 hours a day and offers all standard features such as transfers, utilities, SMS flash pay, mail, account transactions and cheque transactions.