Central communication hub for all e-banking data

The MULTIVERSA IBS International Banking Server connects different customer access channels to banks’ back-end systems. Thus, banks and service providers can merge existing portal solutions, offline systems and proprietary channels for different target groups and countries into one single central middleware.

MULTIVERSA IBS integrates and couples not only current e-banking standards, such as EBICS and SWIFT, but also proprietary host2host communication such as sftp,. The included payment factory is able to handle any payment format, allowing the operator to react flexibly to every customer’s needs – from instant payments to bank-specific proprietary formats.

As an efficient order manager, the system provides many features for receiving, processing, converting, splitting, routing and forwarding data. The modular design supports a flexible integration of many existing and future front-end and back-end channels.

The system is based on JAVA EE, which enables scalability and load balancing.

As a central middleware product, MULTIVERSA IBS is the hub for receiving and forwarding all e-banking data. User-friendly multilingual interfaces allow web-based administration and maintenance of the entire MULTIVERSA IBS system – regardless of location and time.

MULTIVERSA IBS provides open APIs, which enable banks to add new functionality on their own, for example, payment formats, conversions, back-end-connectivity, etc. Additionally, a web service interface supports the exchange of master data with central data holding applications, which can be customer data, user data, accounts, permissions, etc. 

The connectivity concept of MULTIVERSA IBS provides flexible connections to front- and back-end systems.

Processing components of MULTIVERSA IBS

  • Connector Framework
  • Front-end Processing / Format Processing / Open API
  • Routing / Rule-based workflow engine
  • Back-end Processing / Splitting and Provisioning
  • Back-end Processing / EAI Framework / Open API
  • Payment conversion / Open API

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