BHMI has been creating large-scale online transaction processing software in the financial services industry for decades. The company has expertise in designing and developing custom software for financial institutions needing unique solutions as well as in creating financial services products – or a combination of both.

Electronic Bill Payment
BHMI's flexible bill payment applications accommodate either single financial institutions or multiple institutions operating in a service bureau environment. While the service bureau environment is supported on a single hardware platform, it gives customers the appearance of a system dedicated to their own financial institutions – each with its own look and feel. BHMI bill payment software provides a wide range of bill payment services that include:

• Bill payments that can be scheduled to occur immediately, at a future date, or on a recurring basis
• Payment histories supplied upon request
• Lists of scheduled payments supplied upon request
• Scheduled payments that can be altered or deleted
• Anytime access to customer service representatives for special requests
• Optional online customer bill payment debits to minimize incidence of insufficient funds
• Multiple forms of payment

BHMI has implemented a variety of stand-alone interfaces that cooperate and communicate with credit and debit networks for customers. Using message-based APIs, BHMI interface features and capabilities include:

• Network support
• Object-based implementation and operation
• Settlement with associated networks
• Transaction reversals
• Transaction timeouts
• Store and forward options
• Variety of data communications protocols

Utilizing BHMI-designed software, automated teller machine (ATM) networks can exchange customer-initiated financial transactions with existing banking systems, through features that include:

• Switching and routing software
• ATM device drivers
• Communication protocol handlers
• Interfaces to financial host platforms
• Interfaces to other shared ATM networks
• Network configuration and control subsystems

With BHMI point of sale (POS) network software, you can gain access to POS networks that carry customer financial transactions initiated from merchant sites. BHMI POS software features include:

• Device handlers to support a wide variety of merchant terminals
• Public credit card interfaces to support customer credit payments using general-issue credit cards
• Public debit card network interfaces to directly debit customer payments from accounts at cooperating financial institutions
• Private credit card network interfaces to merchant-issued credit card accounts
• Support for different transaction profiles

Able to support a variety of customer interface media such as telephones, screen telephones and personal computers, BHMI telebanking software provides access to a wide range of banking services that include:

• Fund transfers that occur immediately, at a future date, or on a recurring basis
• Loan or interest rate quotations
• Generation of customer statements
• Customer financial transaction histories
• Loan applications

Concourse™ is a powerful PCI-compliant back office software suite for managing electronic payments. With user-configurable rules, online transaction repository, and continuous processing, Concourse proactively assesses and allocates fees for all business relationships, and settles and reconciles all transaction types on time, all the time.   more >>