b@myhand is a solution developed by VIA Consulting, which enables any GSM (Global System for Mobile Communications) mobile phone, to carry out banking transactions in a secure way, including payments (Mobile Payments – Issuing and Acquiring), without any specic software or internet connection.

The b@myhand solution allows upgrades and adjustments according to each institution’s needs and specific requirements.

 

Functional Overview

 

 

VIRTUAL CARDS

• Association of the virtual card to a current account;
• Virtual card management;
• PIN assignment and PIN activation will enable the use of mobile banking and payments;
• Performs checks on the current status of virtual card.

MOBILE BANKING

• Ability to consult balance and transaction details of the current account associated with the mobile phone;
• Transfers and payments.

SINGLE ORDERS FOR PAYMENT

• Registration of orders for payment through the merchants’ virtual terminals;
• Reception of orders, through a virtual card (mobile phone), at an authorised merchant;
• Collection of commissions.

SET OF ORDERS FOR PAYMENT

• Reception of files with orders for payments sent by the merchants;
• Reception of orders, through a virtual card (mobile phone), at an authorised merchant;
• Collection of commissions.

MERCHANTS AND TERMINALS

• Management of contracts with merchants to define the conditions for accepting payments;
• Management of contracts with merchants, either as the orders for payment file issuer, or as a participant who can execute the payment of orders on behalf of the bank;
• Definition of payment terminals (mobile phones/POSs) that can create invoices and payment orders;
• Activation of virtual terminals (mobile phones/POSs), which can create invoices and orders, as well as process payments and withdrawals;
• Management of the commissioning rules associated with payment transactions;
• Ability to perform various inquiries regarding information of merchants and their respective terminals.

SINGLE RECEIPTS AND PAYMENTS

• Record merchants’ receipt for payment through virtual terminals;
• Payment of bills through a virtual card (mobile);
• Collection of commissions.

MULTIPLE RECEIPTS AND PAYMENTS

• Reception of files with receipts for payment, sent by the merchants;
• Payment of bills through a virtual card (mobile phone);
• Collection of commissions.