SmartATM
Read how Russia's largest private sector bank and a dominant telco used SmartVista to bring the possibility of easy and convenient payment services to millions of mobile phone users across Russia.
Alternative Business Channels Manager
Consolidated Bank of Kenya, Kenya
ATM Management System
ATMs have evolved from simple machines to complex fully interactive, customer touchpoints, dispensing everything from cash and concert tickets to pre-paid cards and featuring state-of-the-art, built-in devices such as scanners and streaming video.
As the ATM channel has grown increasingly important to banks, BPC created SmartATM—a sophisticated ATM network management system that allows you to automate, service and monitor your ATM network management. SmartATM ATM management software monitors cash flows to pinpoint patterns and accurately forecast demand. As a result, your bank can reduce operational costs and maintain the right amount of cash at each location, while improving return on cash assets.
SmartATM interfaces with ATMs from all leading manufacturers including Diebold, NCR, and Wincor Nixdorf. In addition, the ATM management system supports all typical ATM transaction types such as cash withdrawal, balance inquiries, PIN change, mini-statements, envelope cash deposit, and funds transfer. Value-added transaction types include cash-in, mobile telephone top-up, service activation, and utility and bill payment. Extended ATM management functions such as payment services, repayments, cash recycling, and currency conversion are also supported.
Configure your ATM network to match your business structure—by location type, geography, region, and branch or any combination of these parameters. You can also upload marketing screens to ATMs remotely. SmartATM features a contextual interface that allows you to design and display messaging that matches individual cardholders to coincide with marketing campaigns.
In addition, SmartATM’s MediaExtension provides real-time, online, audio visual, customer support through the ATM. MediaExtension delivers fully interactive services through any ATM—transforming the terminal into a mini-branch with the use of modern media technologies such as Flash, MediaExtension is quick and easy to install and does not require additional media plug-ins.
Flexible Support Options
For ATM processors, SmartATM supports unlimited hierarchical institution and agent structures to match any organizational ATM scheme, such as assigning ATMs to different bank branches or localities.
Manual and Electronic Data Capture
SmartATM can capture ATM registration data electronically via external systems or data can be entered manually. Preconfigured templates simplify this process for operators with pre-set ATM parameters, such as PIN length and card capture capabilities. This feature also helps transfer data easily from an outdated system to a new system, ensuring successful migration.
Range of Acquiring Management Features
SmartATM provides full ATM account management features such as multiple currency support. The solution also provides clearing and settlement features including both single and dual message clearing and ATM transaction settlement.
Support for Major ATM Manufacturers
SmartATM interfaces with ATMs from all leading manufacturers including Diebold, NCR, and Wincor BanqIT, ATM interfaces such as NDC, DDC, ISO8583, and communication protocols including TCP/IP and X25.
Advanced Monitoring
SmartATM’s sophisticated monitoring capabilities provide a real-time picture of all network ATMs and their operation, such as cash volumes to help take preemptive action as needed to maintain machine operation.
Flexible Configuration and Dynamic Screen Display
SmartATM provides flexible ATM configuration features and a graphic editor with preconfigured screens to easily create ATM scenarios.
ATM Network Management
Comprehensive network management features monitor connectivity problems to minimize downtime. SmartATM displays collected data to deliver valuable insights—such as an ATM that requires replenishment or technical difficulties with a card reader or cash dispenser, for example. SmartATM can also issue immediate alerts, including SMS, when problems are detected.
Key Loading
SmartATM supports online ATM key management features including encrypted data transmission, key generation, loading, usage, storage, and termination.
Cash Features
SmartATM includes a sophisticated cash management function that allows you to minimize cash in the ATM while optimizing service levels.
Transaction Features
SmartATM allows ATM users to receive cash, perform transactions between bank accounts, transfer funds, or it can be set to allow access for multiple account holders.
Media Support
SmartATM’s MediaExtension provides real-time, online, audio visual customer support through the ATM. MediaExtension delivers fully interactive services through any ATM—transforming the terminal into a “mini-branch” with the use of modern technologies such as Flash media.
Built-in Dispute Manager
A built-in acquiring dispute manager includes built-in workflow for chargebacks and dispute transactions processing. SmartATM supports investigation of questionable transactions to speed problem resolution.
Multilingual User Interface
SmartATM supports a multilingual user interface and can display up to four languages at a time to encourage communication with ATM users.
Contact us today to request more information or discuss how BPC can help transform your payments business.
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