We hold the future NI Universe Banking Context

Services

What Services Can NIUniverse Offer You?

If you already have a business in banking and payment field and you want to enhance your performance, our business and system analyst team can study your system structure and provide you with their professional counsel to improve your business with minimum change and cost.
If you want to stay on top of your banking and payment business in this extremely competitive market, we can analyze your target market and come up with novel solutions conforming to the state-of-the-art technologies in the world.
If you need a deep analysis of the security and prosperity of your system, we can scrutinize every bit of it, identify the vulnerabilities, and provide the best solutions to overcome them.
Moreover, our proficient security team can offer you the most reliable security solutions for your payment network and infrastructure.

Banking Service Banking Service Banking Service

Solutions

Digital Payment

Now with smartphones in our hands, the most recent form of money has become digital currency.

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Identity And Access Management

Ensuring that the right people have access to the right resources is of utmost importance for data security and user convenience purposes.

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Open Banking

Authorized organizations which are specialized in identifying customers’ needs will be able to satisfy those requirements by accessing their financial data through the use of application programming interfaces (APIs)

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Core Banking Integration

Core banking system integration allows the interaction between branch UIs, CMS, TMS, third-parties, hosts, business intelligence, international payment networks, regulators, PSPs, CBS, etc.

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Products

 

SETAREH
OTP Generation and Authentication

  • Responding to requests via web service and ISO message
  • Assigning multiple tokens to several people
  • Sending OTP via SMS, email, social media, etc.
  • Employing secure algorithms for encryption

OTP Generation and Authentication

Dynamic passwords have proven to be a more reliable and secure approach for authentication purposes than static ones. One of the most typical forms of dynamic passwords is OTP. The OTP solution provided by NIUniverse is called Setareh, which presents three approaches for accessing an OTP, including mobile app, token device, and online (via SMS, email, voice, social media).

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NIU.IAM
Identity And Access Management

  • High request performance and quick response process
  • Centralized user creation and user management and Identity federation
  • Supporting authorization and authentication protocols such as OAuth2, SAML, Openid, etc.
  • Single-Sign-On
  • Role-based, attribute-based, and policy-based authorization

Identity And Access Management

One of the vital concerns of every business is the security of its data and controlling the access to different parts of the system. NIU.IAM ensures the security of your systems while providing the first-class performance and response time. By allowing you to create users in a centralized manner, supporting single-sign-on, and benefiting from identity federation feature, this solution helps your systems to be more organized, and consequently, perform better.

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Darion
Integrated Channel

  • High request performance and quick response process
  • Integrating organizational services and processes into a single channel
  • Converting various protocols and web services into each other
  • Integration with IAM system for access control purposes

Integrated Channel

Considering the great importance of utilizing state-of-the-art technologies in payment businesses and the necessity of providing adequate infrastructure for the development of the banking business, the project of developing a channel with the capability of converting different protocols into each other, providing various services required by different systems, and defining organization-wide workflows was seen necessary. By addition of an IAM module to this solution, NIUniverse development and analysis team provided the channel with identity and access control management capability as well. In better words, the collection of a service bus (DSB), its adaptors, and IAM form the developed integrated banking channel called Darion.
Darion channel benefits from the advantageous features of Darion Service Bus, NIU.IAM, and necessary adaptors developed by NIUniverse.

 

AsaPay
Offline Digital Wallet

  • Assured, simple, and agile payment
  • High extensibility
  • Inexpensive infrastructure
  • The best alternative to online card-based payments (POS)
  • Decreasing micropayment costs for payment network businesses

Offline Digital Wallet

Currently, a huge capacity of card-based transactions within the online banking networks is engaged in micropayment that can enforce a great deal of expenses on banking businesses. NIUniverse proposes an offline digital wallet to handle micropayments transactions through assured, simple, and agile payments, thus the name ASAPay. Not only does ASAPay transfer this amount of transactions to offline infrastructure, but also provides a solution for the problem of ‘change money’ since it is a digital incarnation of money and can be divided to the currency unit.

 

Chabok
Instant Card Issuance

  • Maintaining the security of card’s data
  • Protecting card’s sensitive data (CSD) and observing PCI regulations
  • Full compliance with standard international switches’ business processes
  • PIN generation and providing it to customer in a secure and protected manner

Instant Card Issuance

Instant card issuance means the process of card generation and activation is done immediately after receiving customer’s request for card issuance.
Despite the fact that this service is very popular in Iran, it is not commonly used worldwide and has many limitations. Therefore, this service is not included in standard switches and business owners must buy an appropriate solution for this purpose and add it to their architecture if they want to provide instant card issuance service to their customers.
Having studied the most popular solutions worldwide and after careful analysis of Iran banking architecture and recognizing its main and basic requirements, NIUniverse presents a more convenient instant issuing solution, called “Chabok”, which is designed by observing banking rules and regulations of the Central Bank of Iran and taking into account international switches’ features and specification.

Job opportunities

Future Plan

We hold The Future

In this fast-evolving era of technology, the key to progress is to benefit from others’ experiences and achievements while sharpening our knowledge by following the cutting-edge technologies around the world. We do not re-invent the wheel, but that does not keep us from coming up with innovations in our field of expertise. Nevertheless, we are more than willing to share these accomplishments with others for we believe as we benefit from their experiences, they can benefit from ours too, and together we can build a brighter future in this line.
NIUniverse is not a mere technology enterprise. It’s the family we share with our colleagues and we would like to expand this family for we enjoy working together, learning from each other, and helping one another grow. We dignify our customers for NIUniverse is defined through its customers; hence, we are very selective about who we work with.
We will not settle for what we have already achieved. We tried so hard to be the pioneer in our working field, and we will have to work harder to stay on the leading-edge of information technologies in order to provide the Novel Information technologies to the Universe. Having benefited from the keenest and the most talented ingenious specialists, we will keep moving forward and that is why “We Hold The Future”.

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Digital Payment

The New Digital Order

Everything is getting digital in the twenty-first century, and so are the payments. Starting from the barter system (good-for-good exchange) to cash and then card-based transactions, now with smartphones in our hands, the most recent form of money has become digital currency. Digital currencies can be both representatives of their tangible counterparts, like tether (USDT), and independent from them, like Bitcoin. Although many might be familiar with online digital payments, offline digital payments, being nascent, are not as widely known. However, this feature adds a great advantage to current mobile wallet solutions which have already proved their value in saving time, controlling expenses, and providing more convenient payment experience.

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Identity And Access Management

Identity And Access Management is power

Continuous interaction with clients and partners is a key to success for the all-connected-world of business today. However, ensuring that the right people have access to the right resources is of utmost importance for data security and user convenience purposes.
In the current interwoven computer network, a simple username/password pair is just not enough anymore to survive the myriads of attacks on business resources, especially in a business as sensitive as payment solutions.
Identity and access management, or IAM for short, is a framework of policies and technologies for controlling users access to various resources within an organization, monitoring and administering their activities, and making sure that all requirements regarding identity management and access control are met properly. That’s why IAM solutions often make use of various technologies such as biometric devices, machine learning, and artificial intelligence to enhance the security measures.

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Open Banking

Whatever You Wish, Open Banking Grants You

Every day, customers demand more services related to their bank accounts and expect banking business owners to properly meet their requirements. However, making changes on the core banking system wouldn’t be an efficient solution since even a minor change in core banking system means it must go through numerous security and standard tests all over again and adapt all its components accordingly.
On the other hand, if given enough data, third parties can provide these services to customers without violating any security measures. In other words, authorized organizations which are specialized in identifying customers’ needs will be able to satisfy those requirements by accessing their financial data through the use of application programming interfaces (APIs) and therefore, core banking developers only need to work on their own infrastructure and security.
According to the EU second payment services directive (PSD2), or simply Open Banking, which has come into force since 13 January 2018, banks are supposed to securely reveal the financial data of customers (of course with their explicit permission) to authorized third-parties in order for them to be able to provide customers with services that will assist them manage their investment and expenses more efficiently. Moreover, The Open Banking Standard defines how financial data should be created, shared, and accessed. Some benefits of employing open banking are easier fund transfer and product offering comparison to create a banking experience that best meets each user’s needs in the most cost-effective way.

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Core Banking Integration

Now Everything Is Connected

About 40 years ago, if you went to a bank branch to make a transaction involving an account within another branch, it would have taken at least a day for the bank operator to send the relevant data to their local server and then to data center so the other branch could have access to them after the end of the day (EOD). However, with the advances of technology and the advent of the internet, centralizing banking systems seemed possible and soon after led to the emergence of CORE (Centralized Online Real-time Exchange) banking systems.
Core banking allowed different branches of a bank to have access to the information about customers and accounts in all branches in order to provide a better experience both for customers and staff. This way accounts would be affected immediately when the transaction was done.
Having expanded their businesses to provide more and more services, banking business owners realized that integrating the bank structure with other components sounded necessary. Through core banking system integration, all components within the bank architecture got connected. These components did not necessarily belong to the bank and could be provided by different vendors or third-parties with which the bank had contracts. In fact, core banking system integration allows the interaction between branch UIs, CMS, TMS, third-parties, hosts, business intelligence, international payment networks, regulators, PSPs, CBS, etc. through specified protocols and standards in a safe and secure manner in order to make the banking business more extensible and add to its flexibility while maintaining the security of the data exchanged by controlling and monitoring the accesses to different resources.
Making the usage of core banking system integration widespread, opens a door to the appearance of open banking and digital banking.

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