To increase your profits, you need a fast and flawless operation. If your enterprise generates large numbers of invoices for services it provides, you need to accelerate your payment collection process and open up alternative online collection channels to facilitate payments. If your enterprise markets pre-paid services, you need to enable your customers to purchase these services anywhere, anytime, using the most convenient means of payment. Information technologies make it possible to reach these goals through online payment collection infrastructures …

Innova's i-Collect Payment Collection solutions integrate with your company's billing system and pre-payment infrastructure and communicate with different payment channels to enable you to dramatically improve the payment collection and pre-paid sales processes. i-Collect is the end result of the application and technology expertise of our consulting and software teams, who possess deep industry know-how and years of experience in electronic bill presentment and payment.

Online payment collection infrastructures increase the efficiency of your bill and pre-paid payment collection processes and improve service quality. The Innova i-Collect solution enables you to track your cash flow in real time, communicate effectively with third parties which act as intermediaries for your payment collections and enable your customers to make fast and secure payments via channels ranging from banks and post offices to the Internet and kiosks.

With pre-paid services, it is particularly important that customers can re-charge the pre-paid cards anywhere, anytime and in the amounts they require, and that the services become usable as soon as they are purchased. The i-Collect solution not only contributes to customer satisfaction, but also enables you to track pre-paid payments in real time and from a single point.

There are two versions of i-Collect, one for enterprises which sell post-paid or pre-paid services, and the other for collection service providers:

The Enterprise Version enables enterprises to handle payment collections online at their own tellers and alternative channels such as banks, the Internet, post offices, resellers, POS terminals, kiosks, etc. The components of the system are the Transaction Engine, Management and User Interfaces, and Collection Channel Interfaces:

transaction engine

This is the basic component where all invoice query, collection or pre-payment transactions are processed securely in real time. The Transaction Engine has a scalable architecture designed to meet the needs of entreprises of various sizes, including those with many millions of subscribers. It ensures the easy handling of a wide range of operations from subscriber information query and current payments to threshold recharge and payment orders.

i-Collect includes ready-to-use interfaces to enable quick implementation of new payment channels. Bank interfaces are provided to enable the solution to communicate with banks' hosts; an Internet interface to communicate with web-based applications; mobile access interfaces to communicate with SMS-, MMS- and WAP-based applications; and an enterprise teller interface to communicate with the organization's own tellers.

i-Collect can act as a shared service to meet the collection needs of multiple enterprises via a central system. An extension of this model is to offer the payment services over the Internet as an EBPP portal. The portal connects to the central bill payment and collection infrastructure of the service provider and to the payment facilities of banks to enbale users to manage all their bill payment needs over the Internet, and includes functions such as registration, approval and personal profiles.

High performance under heavy transaction load

The Innova i-Collect solution provides an environment where up-to-date billing information is delivered reliably from a single point, via a single interface, through different channels, under complete control of the biller. In this environment, payments are collected from different channels, on an online and real-time basis, and are reflected in real time to internal processes. Duplicate payments are ruled out, and reconciliation is automatic.

Custom file formats, ISO 8583, BEA Message Queue, IBM MQ Series and XML support for integration with the systems of billing and pre-paid systems