Offline Payment Collection via External Payment Systems
CBOSSbankAPI integrates CBOSSbcc with external payment collection systems and enables the automatic registration of payments via the mail protocol.
System Operation
CBOSSbankAPI offline automates the interaction with any payment company, although some modification is needed to ensure compliance with CBOSSbankAPI offline.
Unlike CBOSSbankAPI online, CBOSSbankAPI offline does not require an always-on Internet connection. The client side generates and sends requests for the registration of payments to CBOSSbcc automatically or manually over a mail protocol via either a LAN or dialup.
CBOSSbankAPI offline supports the traditional CBOSSbcc payment registration scheme. It allows the identification of payers using various parameters including 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 payment company’s dealer account. The system also supports the registration of unidentified payments with an incorrect account number. Such payments are registered manually by CBOSSbcc users, ensuring the guaranteed delivery of payments to the customer’s account.
Key Features
- Automatic registration of payments in CBOSSbcc
- Request status monitoring, payment registration confirmation and repeated payment delivery in the event of failure
- The file exchange mechanism is enabled when the Internet connection is unavailable. The requests and DB responses (successful registration/failure) are saved into files that are transferred via FTP or on floppy disks.
- Backdated registration of payments
- Backdated conversion of payments
- Registration of unidentified payments to a special CBOSSbcc account
- Protection against the duplicate registration of payments.
Integration
The open interface of CBOSSbankAPI offline allows for easy integration with ANY payment system.
Integration with CBOSSsms (or any third-party SMSC) enables the SMS notification of registration of payments.
Benefits
- A convenient customer-oriented service enabling the recharging of accounts via third-party payment systems
- Large footprint enabled by low bandwidth requirements. Offline operation support
- Minimized costs for the expansion of PoS networks enabled by data exchange via the mail protocol
- CBOSSbankAPI offline can operate automatically taking the load off the cash desks
- Fast registration of payments. It may take only a few minutes to deliver a payment, whereas a bank transfer usually takes a few days.
- Guaranteed confidentiality. Each cashier interacting with CBOSSbankAPI offline uses a unique account to access CBOSSbcc.
- Protection of data exchange via open networks. Between CBOSSbankAPI offline and CBOSSbcc data is exchanged via a protected protocol, preventing unauthorized access.
