Products


Customer Relationship Management
Milano Innova Sys S.R.L (MIS) is an approach to managing a company's interaction with current and potential future customers. The CRM approach tries to analyse data about customers' history with a company, to improve business relationships with customers, specifically focusing on customer retention, and ultimately to drive sales growth.
One important aspect of the CRM approach is the systems of CRM that compile information from a range of different communication channels, including a company's website, telephone, email, live chat, marketing materials, social media, and more. Through the CRM approach and the systems used to facilitate CRM, businesses learn more about their target audiences and how to best cater to their needs. However, adopting the CRM approach may also occasionally lead to favoritism within an audience of consumers, resulting in dissatisfaction among customers and defeating the purpose of CRM.

MIS Operational
The primary goal of customer relationship management systems is to integrate and automate sales, marketing, and customer support.
MIS (CRM) Analytical
The role of analytical CRM systems is to analyze customer data collected through multiple sources, and present it so that business managers can make more informed decisions.[citation needed] Analytical CRM systems use techniques such as data mining, correlation, and pattern recognition to analyze the customer data. These analytics help improve customer service by finding small problems which can be solved, perhaps, by marketing to different parts of a consumer audience differently. For example, through the analysis of a customer base's buying behavior, a company might see that this customer base has not been buying a lot of products recently. After scanning through this data, the company might think to market to this subset of consumers differently, in order to best communicate how this company's products might benefit this group specifically.

Card Management System

Milano Innova Sys S.R.L (MIS) A Smart card management system (abbreviated SCMS or CMS) is a system for managing smart cards, through the life cycle, of the smart cards. Thus, the system can issue the smart cards, maintain the smart cards while in use and finally take the smart cards out of use (EOL). Chip/smart cards provide the foundation for secure electronic identity, and can be used to control access to facilities, networks or computers. As the smart cards are security credentials for authenticating the smart card holder (for example using two-factor authentication) the security requirements for a smart card management system are often high and therefore the vendors of these systems are found in the computer security industry.
Smart card management systems are generally implemented as software applications. If the system needs to be accessible by more than one operator or user simultaneously (this is normally the case) the software application is often provided in the form of a server application accessible from several different client systems. An alternative approach is to have multiple synchronized systems.

Typical systems to connect to include
. Connected smart card reader
. Unconnected (RFID) smart card
reader
. Card printer
. User directory
. Certificate authority
. Hardware security module
. Physical access control systems
. Life-cycle Management
Functions
. Register . Issue . Initiate . Deactivate . Activate
. Lock . Unlock . Revoke . Retire . Delete
. Unregister . Backup . Restore

Mobile Payment Gateway (MPG)
We offer services for payment management and cash processing, both physical and electronic, from a ‘full service’ viewpoint, acting as a single partner for all stages of the process.
We are able to offer a full range of services ranging from the supply, installation and management of physical and virtual POS, ATMs, self-service counters, ‘smart’ devices for the administration of collection, up to corporate banking, e-commerce and digital wallet.
MIS (MPG) is a mobile phone based e-payment and money transfer solution. It is a product of innovative ideas based on development for mobile and internet platforms, aimed to support payment for goods and services, deposit, withdrawal and transfer of money in an efficient and secure way.
In addition to that, the solution enables the realization of a large number if value add services such as utilities and bill payments, ticket sales, tax payments, mobile top-up, etc.

Solution Description
(MPG) is based on three-tier spftware architecture with centralized services management.
The lastest technology implementation
Provides the following benefits
. Rich user interface capabilitie
. Multimedia functionality
. Extensive connectiity
. Ove-the-air provisining
. End-to-end security
Available Transactions
. Balance inquiry of mobile account
. Any card Payment
. Funds Load to mobile account
. Funds Payout from mobile account (at merchants or ATM)
. Funds Transfer to Registered User, to/from mobile or bank account
. Funds Transfer to Unregistered User
. Mobile customer registration
. Mini Statement\Purchase
. PIN Change
. Various range of VAS (bill payment, ticket sales, mobile recharge etc.)

Internet Payment Gateway (IPG)
MIS (IPG) is a merchant service provided by an e-commerce application service provider that authorizes credit card or direct payments processing for e-businesses, online retailers, bricks and clicks, or traditional brick and mortar. The payment gateway may be provided by a bank to its customers, but can be provided by a specialised financial service provider as a separate service.
A payment gateway facilitates a payment transaction by the transfer of information between a payment portal (such as a website, mobile phone or interactive voice response service) and the front end processor or acquiring bank.

Payment Transactions Processing:
This includes payment gateway features around processing of credit card transactions and eChecks, configuration of processing settings, handling of returns. With our system you get:
. real-time transaction processing API (credit cards and eChecks)
. batch transaction processing API (for recurring payment batches and bill payments)
.merchant on-boarding and processing configuration API
. automated decline recovery with integrated credit card account updater
. built-in support for ACH returns and chargebacks handling
. virtual terminal to use in conjunction with APIs

Remittance and Residual Revenue Processing
This includes payment gateway features around merchant fees and merchant statements, as well as logic to calculate and share residual revenue with resellers and channel partners.
With our system you get:
. support for multitude of different merchant fees
. automated merchant statement generation
. multi-tier commission structures and multi-reseller revenue sharing
. automated funding of merchants and resellers over ACH
. management tools for review, approval and adjustments of merchant and reseller statements

mobile Point Of Sale
MIS is proud to announce mPOS in its software suit of applications. Through comprehensive market research the solution is effectively optimized. The aim of mPOS project is to establish new methods through which payments could be made in today’s world.
mPOS will bring the power of application world into traditional POS terminals for as long as the card payments.

MIS/ mPOS features
• Offering a reliable solution for card payments
• Provision of multi-brand platform
• Unifying management of new electronic payment related components
• Providing scalability and modularity along with business agility
• Flexibility for market customization and application integration

MIS/mPOS Software Suit include
• Mobile application software
• Software switch and application management backend
• Management and monitoring Software
• Third-party integration software module

Currently MIS/mPOS has the ability to
• Get balance enquiry
• Purchase air-time charges
• Purchase tickets
• Make card payments
• Purchase Internet charges
• Make bill payments

MIS (ATM Servicing and cash management) within the bank’s network is a damanding task, which requieres active involvement of employees followed by high operational expenses ( financial, transportation, insurance, etc.).
MIS Cash Amanagement solution is a powerful tool that guarantees the availability of cash in the ATMs, estimates optimal amount of stocked money plus efficiently manages and control day-to-day cash handling, transportation with reducing of currency transportation and servicing costs.

Main features:
. Monitoring of different brand of ATMs and other devices
. Device abstraction – ATM, KIOSK, EFTPOS ...
. Master data maintenance (ATM, KIOSK and EFTPOS) or external Issue tracking through the life-cycle
. Issue categorization: incidents, problems and warnings
. Issue history
. Automatic issue creation and resolution based on device state
. (ATM, KIOSK, EFTPOS) or selected events
. Automated tracking of response, service and resolution hours

Main features
. Video surveillance via overview of photos originated at ATM camera Email/SMS notifications on selected events
. Follow up of collaboration between participants
. Configurable automated issue triggers
. Comprehensive reports
. Service oriented architecture SOA
. Central web application accessible to all participants through browser
. Users role based access control management
. Access control per device level,etc.
. Efficient audit trail mechanism