[EMOS - Express money transfers]

EMOS - Express money transfers

Express Money Order System - a system for operating with express money transfers of private customers. EMOS system allows the bank to organize in a "single window" the work with the international money transfer systems such as MoneyGram, RIA, Contact, Unistream, MoneyExpress and many others, and to create its own system of money transfers easily, quickly and safely.

Benefits for business

  • The possibility to deploy quickly their own system of express money transfers
  • Connectors for integration with international money transfer systems
  • Customer data card maintenance, searching and automatic filling the customer data
  • Speeding-up the process of sending and receiving of payments due to automation and operations control
  • Integration with the trading day of the bank (for automatic generating of the documents)
  • Data security and compliance with regulatory requirements

Main features

  • Searching and paying out, receipt and sending of express money transfers
  • Transfers cancelling, returning, reviewing and editing
  • Functional capability to send a half-address money transfer (at the certain branch of the bank)
  • Possibility of paying out the express money transfers on the customer's card
  • Rules designer for the calculation of the fees
  • The system of discounts, individual tariffs, loyalty programs for loyal customers
  • Printing required documents, accompanying the operation of the transfer - a receipt, the application for transfer sending, for transfer return, reports, and transfer register
  • Possibility to customize additional reports in Jasper Reports
  • Setting and using of currency control rules
  • Setting limits for divisions, which allows you to control the volume of funds
  • The hierarchy of divisions, considering to the possibility of supporting structures of agents and sub-agents
  • Working with the referral information systems of the partners
  • Web-services for rapid integration with partners


  • Authorization and Authentication: LDAP
  • Access rights based on roles
  • Secure access channels: HTTPS
  • Data protection through open channels: access through a proxy server, SSL-encryption
  • Additional safety on the basis of x.509 standard

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