MobiPAY is a mobile application developed by Top Image Systems that allows bank customers to pay bills or submit invoices using only a mobile device. It uses intelligent recognition algorithms to automatically identify bill details like amount and recipient. MobiPAY captures bills using APMI technology for quick, efficient mobile scans. It then securely connects to a bank's systems to process payments. MobiPAY can be provided as a standalone app or integrated into a bank's mobile platform to improve the customer experience of bill payment.

1. MobiPAY
Pay bills on mobile
TIS Mobile: Bringing You the Next Generation of Remote Deposit Capture
MobiPAY- easily pay bills with your mobile device
MobiPAY lets banks improve the customer experience by making bill-paying faster & easier
MobiPAY, developed by Top Image Systems, lets bank customers TIS uses additional new technologies to accurately capture bills
pay bills or submit invoices using only a mobile device. It uses of various dimensions, such as Letter and other larger sizes.
intelligent recognition algorithms to automatically identify and extract
the relevant data – the type of bill, the amount that needs to be paid,
Banking security server
and the party to receive the payment (i.e. the municipality, the police (Authorization)
or the gas and electric company) and then performs the transaction MobiPAY Core
Banking
seamlessly. systems
MobiPAY
Intro to MobiPay
Automatically Validate with Securely connect to Portal Parser Completion Export
recognize amount, customer, select bank account and station & API
type of bill payment method perform payment to Core
Image
enhancement
Intelligent Recognition
MobiPAY uses the ability to capture a bill with APMI technology Use mobile device
developed by Top Image Systems for quick and efficient capture of camera to photograph
any type of bill. MobiPAY includes recognition and validation of the
bill on the device itself, and provides secure communication with
the MobiPAY server, which provides additional validation and secure
Bills
integration with the banks’ Core Systems.
APMI (Automatic Perfect Mobile Image) “auto-capture” functionality MobiPAY enables banks to provide their end-customers with the
guides the user to hover with the mobile devices above the bill. in most efficient way to pay their bills, ensuring maximum security
the split second that the APMI technology identifies that conditions along with an excellent user experience.
are sufficient to take the picture (based on lighting, angle, distance,
stability and other parameters). it automatically takes the picture. MobiPAY can be provided as either a standalone application or
The APMI-based application also helps the user by hinting how as a set of libraries that can be integrated into a bank’s broader
the handset should be held (e.g. - closer, turn right, tilt down) in mobile services platform. As MobiPAY is modular, it offers complete
order to improve image quality. Consequently the user avoids time- flexibility to delivery partners and clients alike.
consuming repetitive image creation, examination, enhancement
and rejection. A high-quality image of the bill is captured the first time.
Capture the mobile world. TIS
Top Image Systems

2. TIS Mobile Solutions
M o b i PAY – i n t e g r a t e s w i t h t h e T I S B a n k i n g P l a t f o r m
The MobiPAY application can integrate with the TIS Banking Bank’s “envelope gap” by automating and digitizing document-
Platform, a best-in-class document and data capture and workflow driven banking processes such as check deposit and truncation,
solution tailored for banks. The banking industry has undergone fund transfer, account administration and many others.
changes that have forced Core Banking systems to provide a
better response to banks’ IT needs. These needs are expanding By employing MobiPAY together with the TIS Banking Platform,
in response to growing competition, regulation and volatile global banks can offer their customers the fastest, smoothest, most
market conditions. However, the “outer envelope” of the bank is accurate and reliable bill payment & processing experience possible.
still dependent on forms, paper documents, manual processes Automating both the external and internal steps in the bill or invoice
and cumbersome procedures that decrease profitability and impair payment workflow, the bank can perform fast, accurate transactions
the customer experience. The TIS Banking Platform overcomes the and account reconciliation to ensure optimal customer service.
Digital Credit Invoice
Fund Account Check
MobiCHECK MobiPAY Mailroom Lockbox Card Reader
Transfer Admin Truncation
Admin
Banking Layer
Application Designer Signature Maker/ Automatic Manual Mobile Banking API to Core
for Banking Verification Checker Balancing Balancing Server Banking System
Core
Application Designer Capture Classify Process Validate Deliver API
Intelligent Recognition Mobile Image Enhancement Archive
Workflow
About TIS
Top Image Systems (TIS) was founded in 1991 and is a public For more details:
company traded on NASDAQ and TASE (symbol: TISA). The To p I m a g e S y s t e m s N o r t h A m e r i c a n H e a d q u a r t e r s
company operates internationally with branch offices in Germany, 1350 Avenue of the Americas, 2nd Floor
the UK, the U.S., Latin America, Singapore, Japan, and with local N e w Yo r k , N e w Yo r k 1 0 0 1 9 U S A
representatives across Europe and the Pacific Rim. Te l : +1 646 599 9170
Fax: +1 781 245 2999
Our ECM solutions, evolved over 20 years, have been placed in 800 w w w. t o p i m a g e s y s t e m s . c o m
enterprise-level installations in more than 40 countries. They are
supported by a closely-integrated network of distributors, system
integrators and value added partners. TIS partners are leaders
in their field, and include SAP, Oracle, IBM, Accenture, Xerox,
CACI, Kodak, Fujitsu, Williams Lea, Bosch BCC, MFM Hofmaier,
Scanservice and Braintribe. Top Image Systems
Top Image Systems