U:Bank
The U:Bank platform is targeted at Banks and Mobile Operators. The solution allows Operators to act as a conduit and connect to multiple banks using multiple channels with a unified user interface. The Bank centric solution allows each bank to implement its own mobile banking solution

U:Bank Operator Server
The U:Bank Server performs the core transaction management. This includes

  • Real-time transaction (request / response) management
  • Mapping of SMS and STK commands to banking transactions
  • Interface to U:Bank Server
  • Interface to network elements and applications
  • Security
  • Transaction logging
  • Reporting

U:Bank Server
The U:Bank Server interfaces into the Bank's core banking modules by the standards and payments templates that each bank defines. There can be cases where this module does not reside in bank. Each implementation will be decided on a case-by-case basis and depend on the security infrastructure, interface API's and if an existing Internet Banking or M-banking infrastructure exists in each Bank.

There are multiple ways that a Bank can chose to interface into the core banking applications, including ISO 8583, IVR, MQ Series, UCP, XML.

Enrolment
The Enrolment module is a provisioning tool used by the Bank to create the subscriber's mobile banking account, including:

  • Allocation of MPIN
  • Mapping of account details to ACCTKEY
  • Select services required by subscriber (eg. Balance Inquiry, Funds Transfer, etc)

Enrolment is a once-off procedure and the process is integrated with the customer data currently maintained by the Bank.

Banking Functionality
The following banking functionality is supported:

  • Initial registration
  • Change of Mobile PIN
  • Prepaid Recharge
  • Balance Inquiry
  • Bill Payment
  • Funds Transfer
  • Checkbook Request
  • Account Statement Request
  • List Accounts
  • List Transactions
  • Suspend Mobile Banking Service
  • Activate Mobile Banking Service
  • Help
  • Transaction Keys
  • Auto Alerts
    • account balance falls below a specified amount
    • account balance exceeds a specified amount
    • account is debited a specified amount
    • account is credited a specified amount

Proven transaction management
U:Bank is based on the Service Delivery platform which is Utiba's proven architecture used in live commercial operations with millions of subscribers and hundreds of TPS. Clients can be confident that the U:Bank solution can meet targeted transaction rates.

Modular, scaleable architecture
Clients can embark on a phased implementation, expanding the functionality and capacity to meet resultant Air growth. We use Industry standards including Linux, XML, Soap, Java, Solaris, Oracle and Sybase.

Standards based network integration
The Service Delivery Platform supports common Operator and Banking Standards. Our rapid development environment allows customised interfaces required for proprietary elements within the network to be developed quickly. Today the Service Delivery Platform Supports CIMD2, UCP, SMPP3.3, SMPP3.4, Nokia OPCI, Siemens IN, Total Tel Service Node, ISO8583, XML and SOAP interfaces.