Bill Payment Kiosks

These are designed and developed by OpenSys for bill payments. Our kiosks can be easily configured. It provides multi–mode payments – cash, cheques and cards.

Key features includes:

Bundle or single note acceptance with escrow
Cheque payment acceptance with image capture
EMV certified credit and debit card payment
Bank card support with EPP/Triple DES security
Multiline bar-code reader
Upgradeable to include SIM card dispenser

ESM 5170

One of the biggest operational costs for insurers is maintaining an over the counter payment presence. As a solution OpenSys has developed a self-service solution.

Mundane and repetitive transactions such as premium payment can be directed to the ESM5070, freeing up valuable customer service personnel to focus on products sales and other complex services (such as claims).

For insurers with a large agency force, the self-service channel will free up valuable time of agents to focus on customer sales activities. Payment transactions can be performed during non-working hours at the agents′ convenience.

The main benefits of the ESM5170 are:

Reduced cost compared to counter service
Frees up counter resources for complex and revenue generating transactions
24 hours/ 7 days a week access
Reduces customer queuing time

The OpenSys ESM5170 has all the features and functions to support both life and general insurance products. Other than life policy payments, the ESM5170 can support general insurance products such as motor insurance renewal, personal accidents and travel insurance.

The main features and functions of the ESM5170 are:

Payment mode by cheque and debit/credit card
Touch screen operation
Customer friendly detailed receipts
A4 size official payment slip and policy schedule
Statement printing
Barcode reader for easy premium payment input
Fast cheque scanning
Online cheque payment verification
Fully integrated with insurer′s core systems
Fully integrated with card payment gateways
Fully integrated with system monitoring and software distribution

ESM 5184

Handling walk-in bill payments is an important customer service function for telco/utility service providers. Traditional methods of handling bill payment transactions over the counter is time consuming and take away resources from customer servicing and revenue generating activities.

Coupled with rapidly increasing personnel and back office costs, telco/utility service providers have to look for ways to serve their customers more efficiently without increasing operational costs.

The OpenSys ESM5184 is the answer to this predicament and has been serving the telco/utility service providers for more than 10 years.

The main benefits of the ESM5184 are:

Reduced cost compare to counter service
Free up counter resources for complex and revenue generating transactions
24 hours/ 7 days a week access
Reduced customer queuing time
The ESM5184 is a 3-in-1 multi payment mode kiosk that is designed to serve the customer around the clock conveniently.

The ESM5184′s comprehensive features and functions are:

3-in-1 payment mode by cash, cheque and debit/credit card
Touch screen operation
Customer friendly detailed receipts
Barcode reader for easy bill payment input
Fast and reliable bank note acceptor with escrow
Fast cheque scanning
Online cheque payment verification
SIM card issuing module
Biometric reader (MyKad)
Fully integrated with service provider′s billing systems
Fully integrated with card payment gateways
Fully integrated with back end cheque payment verification system
Fully integrated with system monitoring and software distribution

ESM 7182

The OpenSys ESM 7182 kiosk is equipped with leading technological components of the banking industry that are well-proven in terms of performance and standards. These components are the key enablers of the current functionalities required by billers as well as future advance payment services such as e-wallets, remittances and emerging merchant payment services involving banks and other third party service providers.

The ESM 7182 are financial transactional kiosks where security and operational functionality are required to meet the most stringent compliance requirements of the banking industry and the central bank.

ESM 7182 Key features:

Ergonomic And Industry Compliance
3-in-1 design simplifies payment services
Full multimedia user friendly interface
15” touch screen with soft key input
Easy to follow video prompts/guides
Allows multimedia advertising and promotions
Customer friendly detailed receipts with denomination breakdown and cheque image
ISO, PCI and EMV Level 1 and 2 compliance
PIN-and-Pay ready
Bar code reader for easy bill payment input
Class Leading Performance and Reliability Cash Payments
Fast and highly reliable bank note acceptor with recycling capabilities
Cash dispensing capability that enables note change
Built-in auto-jam recovery
Bundle note (up to 200 notes per insertion) with escrow bank note acceptor simplifies cash payments
Large bank note capacity (up to 10,000 notes) ensures service availability over holiday seasons and non-stop operations
Multiple large capacity note cassettes allows sorting of main denominations
Latest bank note denomination recognition with counterfeit note recognition
Supports bank note serial number recognition that allows notes deposited to be traceable up to transaction level

Cheque Payments

Fast cheque scanning single feed mechanism
Industry proven cheque scanner – widely used for cheque truncation environment

Flexible, Secure and Reliable Online Processing

End-to-end system for online integration to biller’s backend systems
Fully integrated with card payment gateways (PCI and EMV compliant)
Fully integrated with OpenSys’ back-end Cheque Payment Verification System (OpenSys CPVS) with secure online cheque image and data transmission
Fully integrated with OpenSys system monitoring and software distribution solutions
Complete audit trail (with banknote serial no.) and day-end collection reports for reconciliation and balancing

Open Industry Software Standards

Supports TCP/IP
Secured and hardened Windows platform (Windows 7)
Industry UL291 safe

Modular Design For Functional Expansion

Additional functionality can be catered for with the side-car such as SIM card dispensing, document scanners, passport readers and others without any disruption and rework of the core payment services.

ESM 6056

ESM6056: The Digital Lifestyle Multi-function Kiosk

Unlock a world of possibilities and purpose with the ESM6056, your gateway to seamless bill payment services and beyond. This cutting-edge digital kiosk transforms your store-front into a hub of innovation, offering a wide array of features that elevate customer experience and boost business efficiency.

More Than Just Payments: A Multifaceted Solution

Data Integration for Enhanced Efficiency:
Effortlessly manage transaction data, sensor data, image and motion data, and external data with the ESM6056. Our kiosk integrates with Gateways, Open Web API, and ISO8583 standards, ensuring a smooth flow of information for optimal performance.

Comprehensive Merchant Support:
The ESM6056 provides interfaces for Merchant Hosts, System Interfaces, E-Commerce Content Portals, and Products & Services, creating a centralized platform for streamlined operations. Access the Merchant Management Portal for enhanced control over your business.

Operational and Marketing Analytics:
Empower your business decisions with detailed insights from transaction and consumer analytics. The ESM6056 provides robust tools for advertising, marketing campaigns, and sales leads management, giving you a competitive edge in the market.

Key Features and Functions:

Passport Reader:
Ensure secure transactions and customer identity verification with the built-in passport reader, enhancing the trust and reliability of your services.
Multi-mode Payments:
Accept various payment methods seamlessly, providing convenience to your customers and expanding your revenue streams.
Multi-bill, Digital Products, and Services:
Simplify bill payments and offer a diverse range of digital products and services, making your kiosk a one-stop solution for customer needs.
Digital Advertising and Promotions:
Capture attention with interactive multimedia advertising. Showcase promotions, product launches, and brand messages on the vibrant digital display for maximum impact.
Digital Sales:
Boost sales by offering digital products directly through the kiosk. From gift cards to digital downloads, provide customers with a seamless shopping experience.

Convenience, Visibility, and Vibrancy:

Convenience: The ESM6056 redefines convenience with its multi-functional payment and service capabilities, making it an indispensable asset for any business.
Visibility: Elevate your brand visibility with interactive multimedia advertising, ensuring that your promotions and messages are seen and heard.
Vibrancy: Target your audience effectively with vibrant promotions and sales campaigns, creating a dynamic and engaging customer experience.

Transform your store-front, enhance customer engagement, and drive business growth with the ESM6056. Embrace the future of bill payment services with more possibilities and more purpose.