Our Services

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The cloud banking services from IBSP contains different products and services such as:

-  Main banking servers with disaster recovery system
-  Core banking system database with bank management BackOffice
-  Desktop internet banking
-  Mobile phone internet banking
-  Mobile phone Apps (applications)
-  Mobile phone SMS/USSD service
-  Mobile phone Merchant Point of Sales (POS)
-  ATM for Withdrawal and Deposit with recycle functions
-  Bank cards with local access or VISA or Master Card access.

All services are available via secure internet where customers can handle all their banking from a mobile phone or from different mobile devices. The services handle both private and corporate users where the smart phone, pads and laptops can be used to access the banking services.

All services use the mobile phone to authenticate the login, transfer and payments to mobile and computer internet websites. The mobile phone App includes a high secure authentication function with encrypted confirmation codes sent to the bank server for each login, transfer and payment to mobile and computer internet websites.

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Online Banking

For desktop internet users who like to use the IBSP cloud banking service shall first fill in the REGISTER form at the IBSP internet website or at this Mobile Phone App. 

After registration has successfully been done, the user can use the mobile services with limitations of the functions at the internet banking.

To be able to use all functions the user have to be approved by an sales agent or visit a local bank branch office to identify themselves and to activate different levels of the internet banking and mobile phone application.

Users of the internet banking services can immediately receive transfers from friends and corporations (salary) before they have identified themselves at any sales agent or local bank branch office, they can see their balance, print out account statements and make limited transfers and payments to other IBSP users.

To make outgoing transfers or payment without limitations the user first have to identify themselves and activate the internet banking and Mobile Phone App at any sales agent or at any local bank branch office. For more detailed information refer to Internet Banking User Guide.

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Online Mobile Banking

For mobile phone internet users who like to use the IBSP cloud banking service shall first fill in the REGISTER form at the IBSP mobile internet website.

After registration has successfully been done, the user can use limited functions at the mobile internet banking.

To be able to use all functions without limitations the user first have to visit a sales agent or a local bank branch office to identify themselves and to activate the mobile internet banking and Mobile Phone App.

Users of the mobile internet banking services can immediately receive transfers from friends and corporations (salary) before they have identified themselves at any sales agent or local bank branch office, they can see their balance and print out account statements and make limited transfers and payments only.

To make outgoing transfers or payment without limitations they first have to identify themselves and activate the mobile internet banking and Mobile Phone App at any local bank branch office. For more detailed information refer to Mobile Phone Internet User Guide.

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Mobile Apps

For users who like to use the IBSP mobile cloud banking service shall first download the smart phone application from the IBSP website to their smart phone (Android, iPhone) and fill in the REGISTER form at the Mobile Phone App

After registration has successfully been done at the Mobile Phone App, the user can use limited functions at the Mobile Phone App.

To be able to use all functions the user have to visit a sales agent or a local bank branch office to identify themselves and to activate the Mobile Phone App.

Users of the mobile banking services can immediately receive transfers from friends and corporations (salary) before they have downloaded and identified themselves at a local bank branch office, they can see their balance, send the recommendation SMS to their friends, print out account statements and make limited daily transfers and payments only.

To make outgoing transfers or payment without limitations users have to identify themselves and activate the Mobile Phone App with any approved sales agent or at a local bank branch office. For more detailed information refer to Mobile Phone App User Guide.

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Authentication VIP-ID

VIP-ID is a virtual e-identity and makes it possible for companies, banks, organisations, and government departments to identify and sign agreements with private persons online direct from their smart phone. VIP-ID is a virtual identification method such as electronic identification card or electronic passport.

IBSP customers, using our white branded core banking platform and any other private person world-wide, can use our encrypted High Secure Virtual Instant Personal ID authentication, available for Android and iPhone.
Download VIP-ID brochure here.

Any private person can register on our secure website and identify themselves according to international KYC regulations.
IBSP offer private persons two basic functions, one for personal identification with Smart Phones and one for personal signatures of documents.Our VIP-ID authentication can be used by clients at their websites to identify persons for login, payments, and electronic signatures.

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POS Terminals

Shop owners can use a mobile operated point of sales (POS) device or a virtual POS App to register purchase with e-mail receipt, payments with NFC or magnetic or chip cards.

The POS can also be used for instant withdraw or deposit of cash to and from the shop owner.

Registered customer can use their finger print for payment on the POS, where the customer uses their mobile phone number as account number and the finger print as the PIN code for the payment.

The POS is wireless, battery operated with GPRS or 3G internet communication through the mobile phone network.
The EMV and PCI approved POS terminal handles payments with; magstip or chip cards, finger print or pincode, Deposit and Withdrawal of cash, online currency exchange, remittance and registration of new customers with finger prints.

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IBSP Cards

IBSP supports local branded bank cards for payment at our POS terminals or VISA or Master Card issued cards for World-Wide payments and withdrawal.

The bank cards can be designed with the customer’s logotype and design according to local regulations in each country. The cards are connected online with the customers card account and can be connected with bonus functions.

Each customer can handle their VISA or Master Card with direct online connection to their card account at the IBSP banking platform and get easy access world-wide to millions of shops and ATM machines for cash withdrawals..

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Banking Platform Accounts

The Core Banking Platform contains of a client login and an administration login.
At the client login the client have their privat accounts as default in EUR, USD, BTC and Gold.

From this private login it is possible to switch over to the Corporate login to handle the Corporate accounts as default in EUR, USD, BTC and Gold.

At the Administration login the bank admin staff can operate the full platform and all clients and all corporate users. More information about this is available on request.

The available Private accounts are:
Private current account, Private Savings account, Private Investment account, Salary account, Bitcoin (BTC) account and Gold account.

The available Corporate accounts are:
Current account, Savings account, Investment account, Escrow account, Merchant account, Asset vehicle account, Bitcoin (BTC) account and Gold account.

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Architecture

The IBSP Cloud Banking Servers are located at National Cloud (inside the nation) or Local Cloud (inside the banks IT-department), to secure the customer and transaction data from international interests.

This is the most important security issue when talking about cloud banking. Most central banks will not allow the customers and transaction data to be stored at some unknown data center world-wide.

IBSP uses strong encryption, digital authentication and one time SMS pin codes to secure identification of customers and to secure communication from mobile devices to the cloud servers.  Download Architecture Information.

The concept is very simple: On your desk in the local bank office or branch office, you would have a very low-cost platform independent computer with a keyboard and a screen with any operating system. It would be hooked up to secure internet and thus link all transactions and payments via a central cloud server, which would host all the transactions and accounts, secure at a national data center or a local bank IT department.

All customer information is safely stored on these central servers in any secure location by the banks choice, with multi backbone high speed fiber optic internet connections and 24/7 customer support.

The IBSP service is accessible from anywhere from any device via secure internet and is not dependent of any special operating system such as Windows or MacOS, it is platform independent. All information about customers, accounts and transactions will be stored at a secure data center with strong encryption.

The IBSP system offers Bank management BackOffice functions to create all kind of different reports for the financial regulations according to each country. The bank BackOffice services supports super management, branch management, unlimited number of tellers and customer support functions.

Customer supports online test and phone support to customers for all payments, transfers, sent and received SMS and e-mails, which can be followed online by the customer support service personal.

The IBSP system supports all AML and KYC functions where all activities from bank branch and bank head offices are logged and reported with dual management signatures.

Customers can be arranged in 3 different levels, where level 1 represent low income not yet identified customers, level 2 who represent customers identified by a bank agent and level 3 represent customers identified at a local bank branch office..

IBSP Group
  • IBSP International Inc
  • IBSP Capital Kft
  • IBSP Wealth Ltd

Country
  • United States
  • Hungary
  • United Kingdom

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