Online Payment Collection via External Payment Systems
Simple and convenient payment methods bring a significant advantage to any customer-oriented business. The opportunity to recharge the account before the suspension of service, while saving time drives customer satisfaction and ultimately the profits of the telecom operator.
A great way to capitalize on the expansion of the POS (Point-of-Sales) network is to arrange the collection of payments via existing ATM networks or other payment systems in banks, supermarkets, railway stations and airports. CBOSSbankAPI online enables the cost-effective expansion of the POS network.
CBOSSbankAPI online is a secure HTTPS-based Internet gateway between CBOSSbcc Billing and Customer Care and the payment processing center.
System Operation
Let’s study the operation of CBOSSbankAPI online using the registration of payments via ATM as an example.
The processing of payments includes the following stages:
- The bank card’s holder enters the PIN and selects the operation to perform. To pay for the telecom services, it is necessary to select the “Payment for Mobile Services” option, enter the mobile/account number and the attributes of the payment such as the amount, currency, etc.
- The ATM sends a request to the payment processing center. The processing center checks the customer’s bank account balance and validates the transaction in CBOSSbcc via CBOSSbankAPI online. CBOSSbcc verifies the customer’s identifiers, service status and other parameters.
- After confirmation, the payment amount is transferred from the customer’s bank account to the telecom operator, and the payment is registered in CBOSSbcc.
- The ATM reports the results of the transaction to the customer.
CBOSSbankAPI online supports the traditional CBOSSbcc payment registration scheme. It allows the identification of payers by using various parameters such as mobile number or account number. Transactions can be registered as a credit adjustment to the customer’s account or as a debit adjustment to the bank’s dealer account .
Key Features
- Online collection of payments using international bank cards via the ATM network or other payment systems
- Balance sheets and mini-statements of the last 10 transactions by phone or account number
- Multi-language support. ATMs offer multiple interface languages or the language can be selected automatically from the credit card number.
- Cancellation of payments by the transaction reference number
- Generation of financial and transaction reports
- Protection against the duplicate registration of payments.
Integration
The open interface of CBOSSbankAPI online allows for easy integration with any payment system equipped with an Internet gateway. Currently, CBOSSbankAPI online integrates with the Way4 payment system (OpenWay Group).
Integration with CBOSSsms (or any third-party SMSC) enables the SMS notification of registration of payments.
Benefits
- 24 x 7 electronic transaction environment enabling customers to instantly recharge their accounts
- Integration with existing ATM networks allows the minimization of costs for the expansion of the PoS network and takes the load off the telco’s cash desks
- Guaranteed confidentiality. Each ATM interacting with CBOSSbankAPI online uses a unique account to access CBOSSbcc.
- Protection of data exchange via open networks. The exchange of data between CBOSSbankAPI online and the payment-processing center is performed via a protected HTTPS protocol, preventing unauthorized access.
- Guaranteed identification of payments.
