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Banking Solutions

As a part of financial inclusion, Bank on Wheels is a banking kiosk in a mobile van which goes to various villages as per the predetermined schedule to provide banking services to the rural areas. Bank on Wheels is an example of technical brilliance and can be made a multi modal utility vehicle for all sorts of banking transactions.

Some of the features of Bank on Wheels are:

  • Highly sophisticated power set up with 12 hours back up
  • Internet enabled sophisticated Intelligent LED TV
  • Video Conference for public with bank officials
  • Advanced Public Address System
  • Vehicle Tracking through GPRS
  • Regular Monitoring inside the van through GPRS enabled CC camera
  • Remote Immobilising of the vehicle in times of emergency
  • Strongly designed electronic safe and storage systems
  • Advanced bank schedule notification system
  • Web enabled secure bank transactions

4Gid’s Financial Inclusion Solution integrates biometric and ICT technologies to deliver mainstream banking services like savings, withdrawal, remittance, loans, insurance etc., to the marginalized sections of unbanked and under banked population in rural areas in a cost effective and secure manner.

The solution runs on handheld point of sale machines with the option of having Smart Cards, and can be integrated seamlessly with the core banking solution of Banks. 4Gid Financial Inclusion Solution is a one-stop mobile solution designed to address the issues of lack of physical and technology infrastructure, high cost of operations, secure authentication faced by the banks in rural areas and provides banking services at the customers’ door steps.

The features of 4Gid Integrated Financial Inclusion Solution are:

  • Solution runs on handheld device with or without contact/contactless smart card, biometric authentication and thermal printer with GPRS module.
  • Supports multiple banking products like savings, withdrawals, remittances and third party products like insurance, mutual funds and social security payments from governments
  • The solution is device agnostic and is interoperable across multiple biometric technologies
  • Facilitates both offline and online transactions
  • Solution can seamlessly integrate with the core banking solution of the banks with two way interface
  • Biometric enrollment application for customers and banking correspondents
  • De-duplication system before account opening
  • Configurable Smart Card Management System including card personalization, card issuance, key management and card life cycle management
  • Supports multiple languages
  • Server Side Intermediate Transaction Processing System that seamlessly integrates with core banking solutions and client solutions on handhelds.

Traditionally, access to ATMs has been controlled by possession of card and knowledge of specific information such as Personal Identification Number (PIN) or password. The major difficulty in this type of Authentication System has been the trade off between usability, memory and security. The major assumption here is that the ATM card will be in the possession of the rightful owner and that the information to activate it will be kept secret. However neither of these assumptions can be wholly relied upon.

Biometric ATM’s, the latest innovation from 4Gid, has the solution to all these problems. Biometric authentication ensures that a person is actually present rather than their cards and passwords without requiring the user to remember anything.

Banks can choose different authentication methods for their customers at their ATMs:

  • Single factor Biometric Authentication: Fingerprint, Iris
  • Multifactor Authentication: PIN combined with biometrics
  • Online or offline Authentication
  • Card less Authentication: Biometrics is combination of card and PIN

Installing ATMs in rural areas is unviable for banks due to the lower number of accounts, low volume of transactions, low value of transactions and high cost of setting up an ATM. Micro ATMs from 4Gid is a one stop solution for banks to bring ATM services to the unbanked rural areas in a secure manner.

The micro ATMs designed by us are cost effective, support vernacular language display & voice with inbuilt biometric authentication that helps the banks to achieve total financial inclusion in real terms. The Micro ATMs are Point of Sale (PoS) Devices that work with minimal power, connect to central banking servers through GPRS, thereby reducing the operational costs considerably. Our micro ATM solution enables the unbanked rural people to easily access micro banking services in a very effective manner.

The key features of 4Gid’s micro ATMs are:

  • Supports contact/contactless smart cards, biometric authentication, Thermal Printer and GPRS module for communication
  • Configurable Smart Card Management System including Card Personalization, Card Issuance, Key Management and Card Life Cycle Management
  • Supports multiple banking products and third party financial products
  • Supports both offline and online transactions
  • Supports biometric enrollment and authentication functions
  • 10 hours battery backup

Centralized Biometric Authentication Solution

Today Banks and financial Institutions are looking for solutions more than ever before to protect against identity theft, fraud and other security risks. Bank customer’s and Staff of the Bank, especially Core Banking users are exposed to risk of identity theft due to the single level authentication by ID password combination. 4Gid’s Centralized Biometric Authentication solution for core banking integrates multi biometric technologies with the existing security systems to provide multifactor authentication with the highest level of security.

The features of the solution are:

  • Client side Application for Biometric Capture and Authentication
  • Centralized Server Solution for Storage and Multi factor Authentication
  • Centralized Management Console that can integrate with different biometric devices.
  • Biometric data conforms to the ISO, NIST and UIDAI standards
  • Secure storage and transmission of data through PKI Encryption
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