Kiosk Banking & FI Gateway

Back ground:

To fulfill the obligation under financial inclusion scheme and to enhance the business prospects, Kerala Gramin Bank has implemented Kiosk Banking and Financial Inclusion Gateway. Kerala Gramin Bank has a single FI vendor and all the FI transactions are online.

Financial Inclusion Gateway:

    Basically, FI Gateway is switching software managing the following activities.

  • FI Gateway acts as Gateway between Core Banking Solution on one side and multiple FI applications of different vendors, Kiosk Banking, AEPS, IFIS, ATM, POS and other channels if any on the other side.
  • It supports all FI related transactions like Customer Enrollment, Account Opening, BC Maintenance, Hand Held Terminal (HHT) maintenance.
  • It maintains Finger Print data of all FI customers / BC Agents centrally for authentication.
  • It maintains BC data, HHT data, and all related financial and non-financial limits.

Additionally, FI Gateway will provide facility to add additional channels for bill payment facility etc.

The following diagram depicts technical architecture of FI Gateway.

The following are the important components of the FI Gateway.

  • A central middleware Web Application namely FI-Gateway consisting of the following modules
  • Hand-Held Terminal Management Module
    • BC Management Module
    • Data Validation Module
    • Smart card Management Module
    • Key Management System (KMS)
    • De-Duplication Module
  • Interface Systems with CBS and other third party system like NPCI, Common BC and FI Vendor Servers
  • Central Fingerprint authentication application

Kiosk Banking:

Under the umbrella of Government of India’s e-Governance plan, Banks are expected to provide Kiosk Banking Service in Common Service Centers. Kiosk Banking will provide basic banking functionality – with certain limits / restrictions – to customers. KGB has adopted the TCS Kiosk Banking which also supports Aadhaar Enabled Payment System (AEPS) and IFIS (Interoperable Financial Inclusion) also. It will interface with Bank’s Core Banking Solution. Functionalities. About 150 Akshaya Centers are implementing Kiosk Banking.

The following are salient features of Kiosk Banking.

  • Normal Customer based transactions based on finger print (biometric) authentication – Deposit, Withdrawal, Funds Transfer, Balance Enquiry, Mini Statement, RD Installment Payment, Loan Repayment, Statement of Accounts, and Mini Statement.
  • Aadhaar Enabled Payment System (AEPS) thru NPCI & UIDAI - Deposit, Withdrawal, Funds Transfer, Balance Enquiry.
  • Interoperable Financial Inclusion System (IFIS) - with support of FI Gateway.
  • System Administration Module – to maintain and manage Admin Users, Business Correspondents, Agents, Bank Level Parameters including financial parameters and limits.
  • Business Correspondent Management Module for kiosk operators – A full-fledged BC module where the Administrator of the system can maintain and manage the entire system.
  • Customer Enrollment Module - Bank can authorize account opening process online and upon approval, the account can be created with CBS without manual intervention or account can be posted in CBS with pending approval status as per the bank’s preference. The following types of customers are covered. a) New Customer enrollment b) Enrollment of Banks Existing customers c) Enrollment of UID customers.
  • Security Features – The following security features are part of Kiosk Banking. MAC ID validation, Agent Login thru Finger Print, customer transaction authenticated thru Finger Print and optionally, de-duplication of customers based on finger prints.

Kiosk Banking Functionalities

The TCS Kiosk application software will interface with Bank’s backend system provided the back end systems are capable of interfacing with TCS application using standard interface protocols. TCS shall publish interface specifications wherever necessary.

  • The Kiosk solution can integrate with any back end which follows ISO 8583/Web service/messaging formats/XML
  • The application is platform independent
  • The application is database independent and can be deployed in MySQL/Oracle/Sybase or any RDBMS
  • System Administration Module – A full-fledged System Administration module where the Administrator of the system can maintain and manage the entire system. It includes modules like
  • Admin creation
  • Business Correspondent creation
  • Agent creation
  • Configuration of bank level parameters
  • Configuration of system level parameters
  • Configuration of services at bank level, user group level and user level
  • Role based access for various users
  • Capability to configure the kiosk terminals
  • Mapping of kiosk terminals to the agents
  • Audit trails
  • Logs of transactions
  • Reports module
  • Centralized financial parameters and limits maintenance
  • Bank can authorize account opening process online and upon approval, the account can be created with CBS without manual intervention or account can be posted in CBS with pending approval status as per the bank’s preference.
  • Business Correspondent Management Module for kiosk operators – A full-fledged BC module where the Administrator of the system can maintain and manage the entire system. It include modules like
  • Agent creation
  • Configuration of agent level parameters
  • Configuration of services at agent level
  • Role based access for various users
  • Mapping of kiosk terminals to the agents
  • Audit trails
  • Logs of transactions
  • Reports module
  • Centralized financial parameters and limits maintenance
  • Accounting
  • Transactions can happen through the BC Settlement account or individual agent account
  • Allows commission calculation and deduction in online or offline based on the banks CBS capability
  • Reversals can be handled in online or offline. based on the banks CBS capability
  • Voice prompt for Transaction authentication and success receipts
  • Kiosk Agent Login Services
  • Transactions support
  • Support for current version of AEPS transactions (UID Based)
    • Deposit
    • Withdrawal
    • Funds transfer
    • Balance enquiry
  • Support for normal transactions (Customer based)
    • Deposit
    • Withdrawal
    • Funds transfer
    • Balance enquiry
    • Consolidated Account Summary of all account
    • Mini Statement
    • RD repayment
    • Loan repayment- All type of loan repayment
  • Customer Enrollment
  • New Customer enrollment
  • Enrollment of Banks Existing customers
  • Enrollment of UID customers- Application can do enrolment of both new and existing customers and during that the system can capture the UID number of the customer.
  • Unique feature of Continue Customer creation where the agent can continue the process of customer creation from where he/she left after authenticating the customer
  • Supports APBS and AEPS transactions
  • UID, account number mapping and mobile number mapping: Same as above. For both New & Existing accounts.
  • Security
  • Mac id validation: Can be done but there are instances that CPU ID is not unique.
  • Agent login can happen with user id, password and fingerprint authentication or user id and fingerprint authentication. This is configurable by the administrator
  • Retry of fingerprint authentication for Agent and customer is configurable and currently 3 attempts
  • Service wise Authentication levels - Each service is configured from admin module with
    • Agent fingerprint authentication
    • Customer fingerprint authentication
    • Agent transaction password
  • Biometric related
    • Authentication at Central level provided the templates are ISO templates – Banks needs to procure the standard biometric device and central authentication algorithm.
    • Supports multiple biometric devices at client side currently (e.g: Evolute, Legend and any device which supports ISO standards )
    • Single instance of the bank can have multiple biometric devices configured in the field
    • Capability to configure the No. of fingerprint require_onced during enrollment and the exact fingers that are require_onced in admin module
    • GUI representing capturing of require_onced fingers and quality check at the time of capture itself
    • Option to provide reason in case of no finger or damaged finger for handicapped customers
    • Basic quality checks like, capture fingerprint templates of miniature point not less than a fixed value (22 miniature points for an ideal scenario)
    • Deduplication process done during enrollment process at the end of fingerprints capturing process during enrollment to ensure that customer has not enrolled same finger multiple number of times
    • Support to capture Aadhar enabled and interoperable transaction, but actual integration with NPCI and Aadhar for the purpose of interoperability is to be done by the FI Gateway of the bank.
    • For the banks where TCS FIG is not present, Adapter shall integrate with NPCI for AEPS.
    • Account number and Biometric can be treated as User id and password respectively.
  • Optimized modular architecture and design to support scalability and availability
  • Ability to launch new products and services through kiosk banking provided CBS provides the support functionality. Customization specific to these products will have cost and schedule impact for integration with CBS on actual on agreed man month rate of this note

Summary of the Features of FI Gateway

SR.NO FEATURE OF FI GATEWAY
1 Transaction (Online/ IFS) Module
2 Transaction (Online/ IFS) Module
3 AEPS implementation
4 Interface with NPCI
5 Interface with CBS
6 MIS on Gateway Transactions
7 MIS on Gateway Transactions
8 De-duplication for finger print
9 Capability to interface with ATM switch or any new interface will integrate with FI Gateway in ISO 8583 or XML Formats provided by vendor
10 Financial Parameter Maintenance
11 Non- Financial Parameter Maintenance
12 Multi-channel support (KIOSK, POS, etc.)
13 Database Oracle / DB2 / Open Source