UNICORE:

COMPLETE BANKING
AND
PAYMENTS
SOLUTION

Who We Are

XIUS is a subsidiary of Megasoft Ltd. (Listed at

National Stock

Exchange, India) with

Registered American entity located at

Massachusetts
Head Office & Global Delivery Center at Hyderabad,
India

Over

2100

man years of telecom

expertise

Over

230

network deployments

How is XIUS different from the

rest ?

We have

120

patent applications filed;

awarded

Our solutions manage over

calls a day

315

We cater to operators & MVNOs across

continents

31

9001

& ISO

95%
27001

We own the IPR for our solutions;

ISO

million

components are built in-house

of our

Payment and Bankin

s

XIUS launched its Payments Solution in

2005
Implemented payment processing capabilities
for

Mobile Operators and Banks

Enabled services for over

18

Operators/Banks

globally
Handling over

500

K distribution

channel

points/agents
Volume of money moved - Over $

billion/month

200
1 Roaming
Handled
Payments & Money
topups across India
for operators like
Airtel, BPL, Hu1t1c11h,
and Idea

20092011Mobile
Deployed
Payment
& Mobile Money
Management
Platform
across 14 properties
of

200
5
Mobile Payments
& Mobile Money
Management
Platform
Launched.
Citibank payments
engine

201
1 our first
Launched
Mobile based
Banking Solution
for Diemos
Unbanked
Segment in
Venezuela

200
6 our first
Deployed
Mobile Payment &
Mobile Money
Management
Platform
Internationally
(Telefonica Ecuador)

200
8 Mobile
Deployed
Payment &
Mobile Money
Management
Platform for
Celcom
Subsidiary,
Malaysia

201

201

2
Launched
Government
Money Transfer
Services

3
Launched
International
Money Transfer &
Payment Services

A BankFor The Unbanked: DIEMO

Servic

Basic Savings account

Savings account
services

Person to person money transfer

and receipts

Person to merchant Payments

Utility

Payments

Merchant Account Payments

Establishing Merchant accounts for SME and

unbanked

es

Accepting Payments, Transfers for sale of

services/goods
Govt.
subsidies distribution Cashless

XIUSPaymen Bank- Servic Framewor

t

Bank Accounts will be created

for
Customers, Agents,

Merchants
All funds will reside in XIUS Core Banking Eco

System
Account holders use new age technologies like
Mobile,
Kiosks, Web to perform

transactions
Agent based banking network enables cash in /
cash out
capabilities in conjunction to technology based

channels
Account will be integrated with various channels /
services
for fund
utilization

XIUSPaymen Bank- Technology

t

Overview

XIUS Core Banking Eco System

Payments
Customer Account

Custome

Apps
USSD

SMS

Local-

IVR

Management

Any Mobile
Device

Agent

Web GUI

(WAP,GPRS

Corner
Store

)
NFC
STK

API

Management

Securit

Language

ISO

Agent
Admin/User
Management

CRM

Tools
Reporti

Authentication

ng

Testin
g
MIS

Integrationon
and Interconnect GW
Layer

8583
Web
Service

y
Audit
Logging
MonitorinSettlement
g
HSM, Bio- s
metrics
Reconciliati

&

Mobile

s
SFTP

LDAPV3

Socket

Banking
Interne
t
Bankin
gCard

Transfer
Western
s
Union/
MoneyGra
VISA/Master
m
/
AMEX
NEFT/RTGS

Payment
Switc
CRM
h

/
IMPS
Biller
s

CF
T
Call
Center

ER
P
AML

XIUSPaymen Bank- Servic Feature

t

Customer & Account

Management
Customer

Registration

Balance
Management

Transaction
Balance Enquiry
Gateway Transaction Processing and

Monitoring

Multiple Types of Transaction

Support
o Peer to Peer Transfer
o Peer to Business / Enterprise
Transfer
o Deposits / Collections
o Withdrawals
o Payments to Business /

XIUSPayment
Bank

- High Leve Feature

l

eFunding

GatewayAbility to process varied payments using

Notifications and Fee Charge

Notification engine defines alerts and

management

multiple electronic payment types

notifications for different events /

Interface with other banking

systems, ATM,

transactions

Credit Cards and 3rd party

payment
processors
Supports ISO 8583 based service
integrations

Facilitates defining a transaction

fee to the
service initiator or the recipient in
case of
P2M transfers or other utility payments

AgentBase Bankin Syste Overvie

d

XIUS Agent Based Banking

Platform
Service
Creation &
Configuratio
n
Agent
Managemen

User Authentication
via

Agent
Finger Print
CaptureKiosk

Cor
e

Gatewa

ng
Security
&

Distributio

Fraud

Utility

Banki

/t

eFundin

Provider

Communicati

Gatewa

Other

y
SMS/USSD

Banks

Manage
Commissio
ment

nt
n

ns

&

Email/We

Settlemen
ts

on

Manageme
Transactio

Gatewa

Service

Agen
t

Agent Management High Level

Features

Ease in creation of distribution

hierarchy
Supports up to 5 levels of distribution

hierarchy
Agents can hold virtual

balances
Agents are classified as Prepaid and

Postpaid
Peer to peer transfers Agents can transfer balance to their
peers
in the distribution

hierarchy
Agents Portability (Can be moved to a different parent
in the
distribution

hierarchy)
Supports Synchronous and Asynchronous modes of

transactions
Comprehensive access control, security and fraud
configurations

Settlement and Reconciliation High Level

Features
Comprehensive Reconciliation
Capability
Supports Real Time Reconciliation / Time Staged Recon (EoD) /

(EoM)
Post Reconciliation Discrepancies are highlighted for

action
Threshold configurations for Service / Channels wiles

discrepancies
If Threshold is breached alarm generation and automatic service
disabling can
be

configured
On reconciliation, Settlement summary based on configured settlement

dates.
Settlement summary reports per node / stakeholder in Eco-

system
Use of Transaction info for Trend Analysis and refinement of
thresholds.

XIUS Payment Bank -

Leve Feature

High

Service

Allows in creating and managing

creation/Configuration

Ubiquitous Access & Multi

Lingual

various

services and configurations

Service creation and configuration
include

P2P transfers (Intra/Inter

Tax & Interest

bank)

Management

Balance Enquiry

Statement Enquiry ( for a

period)
Credit card/Debit card
request
Stop payments
Lost card reporting

Commission Management Define

commissions at various Distribution
levels

Fraud
Management

Multiple PIN Management Access PIN, Transaction PIN, OTP,

Merchant
Transfers

PIN
3DES / SSL over HTTPS / Secured VPNs / Encrypted Data transfer /
PUK and
PIN

Management
Protects Bank against fraud risk on customer-direct

transactions
Pre-configured fraud rules for identifying high-risk

transactions
Transaction specific configurable fraud

rules
Different treatments can be defined when a transaction trips a

fraud rule
Soft-block or hard-

block
CSRs can override treatments based on authority
level

Loyalt and Promotion

y

Incentivize subscribers to use specific mWallet / mBanking

channels

Offer unique marketing programs for example, subscribers earn

points for
each transaction that can later be redeemed for branded

merchandise

Allows payment channel to become a revenue source versus a cost

center

Multi

Channel
Grievanc

Customer

Experie
nce
Inde
x

es
Receipt

Custome
s

Quick &
Easy

Realtime

Multi-Tiered

Monitoring

Redressa

With
Auto
Escalatio
ns

Nodal

Office
rs

Centralize BackOfceCentr
d

Monitor Transactions, their status, TAT, Customer Experience

Index

Highly automated business Process

Automated Account and Balance Management

Multi-Tiered Reporting and Control

Settlement and Reconciliation

GenerationAdherence
and Delivery of Compliance
Compliance

Management

Compliance Adherence Score Card

MIS Tiered and Periodic Adherence Reporting

Account, Customer, Balances, Transactions, Transaction

Reporting
Status, TAT,

Customer Experience Index, Compliance Reports

Agent, Circle, Zone, Head Ofice level reporting
Central, Regulatory, Compliance Reporting

XIUSPaymen Bankin Platform- Integration

t

SOA based web services Framework Aggregate

transactions, Fund sources, Payment

interface and align them to each service

Platform Can Interface

with ISO 8583 - National banking systems

(NEFT /

RTGS) / ATM / POS

Web Services - Mobile Application /

SMS / USSD
/ IVR
Web Services - Utility Service
Providers / Merchant
Applications