I need International Money transfer web application that users can log on to send money by Credit Cards, Checks, direct from bank account, Paypal or Cash.
I expect transfers and payments using cash can only be possible if they walk up to a registered agency. It should also support payment to a bank account, an ATM card or another customer's account.
This will be a service just like Moneygram or Western Union so what I need is a clone of [login to view URL], but I do not want you to copy them word for word. I need similar functionality.
You were invited to bid if you have and can demonstrate experience in one of the following:
Virtual payment Site
Online banking Solution
Global ATM Card
The class of users will be:
a) General Users (Money senders and Recipients)
b) Agencies with agents (Receiving, Paying Agents or both)
c) Help Desk Personnel
d) Administrators
It should be possible to set various levels of rights for different agents within the agency, and only supervisor will have access to commission information for the agency.
You will be required to provide a small client desktop application (applet), especially for Agencies. The main purpose is that, the Paying Agencies should be able to work in offline mode to collect and send payments and periodically log on to the net to synchronize pending transactions upon connection to the internet. The client application should also provide a level of security so only people with a valid client application can make Agency transactions.
The system should be able to accept payments from the following currencies (at the minimum)
a)USDollars
b)Canadian Dollars
c)British Pound
d)Euro
I am willing to input the current exchange rates manually for each currency daily.
USDollar will be the default currency for accounting.
Total amount paid will be a total of Transfer amount plus applicable fee. We have to keep track of these and credit the Transfer amount to the paying agency. The fee will be split between Receiving Agency, Paying Agency and Central Administration. The percentage split should be set in the admin panel, and it should be possible to pay different commissions to different agencies. Only supervisor agent within each agency can have access to view the commission account for the agency. There should be a daily reconcilliation module for agencies to show how much has been collected and paid by the agency, so the balance can be debited or credited to their account.
There will be various government documentation and reporting requirements for each currency type.
The system should also have an 'Escrow' feature where the sender has sent (and committed) the money, but the recipient can only collect if a certain condition has been met, such as okay from sender.
The system should have a feature for “Bill payment”
A general member should be able to go to "My account" to
a) Link, edit or delete a bank account or credit card in his account
b) “Verify” his Bank Account and email address
C) Fund his account
d)Transfer Money to another account
f) Create an account for a recipient who doesn't have an account
g) Change His "Preferred Pick-up Agency location"
h) Edit items in his personal profile such as phone number, password, etc)
g) Get history of his Transfer activities (Money sent and received)
I already have a working website for an elaborate internet payment gateway, which allows users to create account and deposit money into their account. They can then use it to send money to any other registered user anywhere in the world. The payment gateway can currently accept credit cards, bank checks, paypal, egold and other forms. This can easily be enhanced to do what I'm looking for. I will be willing to provide this website to the winner to use a starting point.
On the other hand, if you already have one, you may modify your own to fulfill my requirements, but I will need to have full copyright of the system developed for me.
I will provide a full project requirements document depending on the type of system the selected company has already developed.