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In the banking industry, offering Utility Bill
Payments at branches and on self-service terminals has now become
an essential service. As rapidly as the consumer base of utility
and mobile companies is increasing, it is now a basic necessity
for a banking consumer to have options to pay utility bills over
the phone, through the Internet or at conveniently located self-service
terminals such as ATMs and Kiosk.
TPS’ diversified range of e-Banking and e-Payment
product portfolio includes online Utility Bill Payment solution
(UBPS) as well that can empower banks to offer online utility at
branch tellers and through various alternate delivery channels such
as ATM, IVR, Call Center, Internet Banking and so on. Being in the
industry since 1996 TPS has many firsts in the industry and an online
utility bill payment is also amongst them. |
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| Solution |
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Features |
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Utility Bill Payment System (UBPS)
is an Electronic Bills Presentment and Payment (EBPP)
system, aimed at enabling the banks to deploy bill presentment
and payment service through their electronic delivery
channels, capitalizing on the banks’ self-service
banking network and infrastructure.
UBPS provides a single source of all
billing data, by maintaining a billing data repository
from all utility companies. UBPS also maintains database
of customers’ relationships with the utility companies,
and facilitates the reconciliation and settlement between
a bank and a utility company. |
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| Following major components comprise UBPS: |
- Server Application/Transaction Processing Application
- Billing and Relationships Database
- BackOffice Application
- Phoenix Bills Payment Module
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| Server Application performs functions like:
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- Transaction Processing
- Interfacing with Phoenix
- Interaction with UBPS Database
- etc.
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| UBPS maintains a database using MS SQL Server
for storing all related information, which includes: |
- Billing data from all supported utility companies
- Bill payment details
- Customer to Utility Company relationships
- Miscellaneous data related to the system
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| The back office application provides with
the administration, management and maintenance features,
including: |
- Billing Data Import and Population
- Billing Data Import and Population
- Generation of utility company specific export/payment
file
- Utility Company specific reconciliation and settlement
report
- Bills Payment transaction reports
- System Configuration
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| The bank may also opt for a UBPS Web-Interface for its
Tellers to accept bill payments on cash from walk-in customers
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