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| AExpress - Online Money Transfer Application |
AExpress placed an order with US Hightech Systems for the development of a web-based application with a wide range of functions. It allows the online users to transfer money as well as has features for the company’s Employees and the Company Management.
While it is expected that the ability for the public to send money online will increase the volume of the company’s transactions dramatically the system also provides tools for the Management to have the picture of the current state of the operations and have a full control over it at any time.
The system has four different types of users (Administrators, Employees, Money Senders and Public). Each type of users has its own level of access to the data and its own set of allowed operations.
The system is able to connect to other Money Transfer systems and import/export data from/to them. It is very beneficial for two different Money Transfer Networks to have this type of connection as the number of locations the money transfers can go increases for both of them, thus, bringing in more clientele.
The following sections describe the system’s functionality for each type of users.
FUNCTIONALITY FOR ADMINISTRATOR
1. Employees List Management. The Administrator is able to manage list of Employees (add/modify/delete). For each Employee Name, Location, Login Name and Password, Account Type (Administrator, Employee, Client) and Status (Active or Suspended) is entered.
2. Locations Management. The Administrator is able to manage the list of Locations (add/delete/modify). Each location details include Name of the Location, Address, Phone and Fax Numbers, Main E-mail Address, Status (Active or Suspended), Is delivery available on that location (Y/N). There is one standard undeletable and without the right to modify location called “Internet”. All money transfers made by online users are marked as sent from location “Internet”.
3. Partner Banks List Management. The Administrator is able to manage (add/modify/delete) the list of the Banks that accept money transfers from AExpress. Each Bank’s details include: Country, Region, City, Address.
4. Reference Lists Management. The Administrator is able to manage the reference lists of Countries, Regions, Cities.
5. Customer Service Functionality. The Administrator also has the functionality available to the Employees (see Functionality for Employees) and is able to register Money Transfer Transactions just like another Employee.
6. Reporting. The Administrator can generate a Report of Money Transfer Activities. A filtering form is available prior to generating the report. The form allows to filter the Transactions by
• Date (Date Range, Today, This Week, This Month, This Year),
• Sending Location (this will be a drop-down list of Locations),
• Receiving Location (another drop-down list of locations, but without location “Internet”),
• Type of Transfers (Delivery or Bank Transfers),
• Transaction Status,
• Employee,
• Sender.
The Administrator can select any subset of these fields and the report will be generated based on the selection. The generated report is a table with the following columns: Date of Transfer, Send Location, Receive Location, Type of Transfer (Delivery/Bank Transfer), Amount of Transfer, Amount of Service Fee, Total Charged. The page showing the list will also include the Totals: Number of Transactions, Total Amount of Transfers, Total Amount of Service Fees and Grand Total of the Amount Charged from the Customers. The user can export any generated report into a separate file which is in a format usable by MS Excel.
7. Importing Black List of Recipients. Once a month the Administrator downloads the list of people who are prohibited to be sent money from the USA (according to the US law) and import it into the system. For any Transaction that is about to take place the system checks if the recipient is included in the Black List and, if so, rejects the request and sends an email containing the details of the rejected Transaction to the Administrator.
FUNCTIONALITY FOR EMPLOYEES
1. Editing Login Information. The Employees, once logged in, can change their login name and password.
2. Registering Money Transfer Transactions. In case if a customer makes Money Transfer by calling an office or walks in the office, each employee is able to register the Money Transfer Transactions. The Transaction is registered by filling out a form. First the sender must be chosen from the list of customers. If the sender is not registered then the New Customer Registration form must be filled out. Then the recipient must be chosen from the list of that Customer’s recipients. Finally that particular Transaction’s details must be entered. Unlike the online Money Transfer process for Customers through the website (which allows charging from credit cards only) the Employee’s form allows registering credit card, cash and check payments from the Customer. If a cash payment is registered then the system simply assumes the money has been received by the Employee and registers the Transaction. If check payment is registered the Transaction’s status is set to “Hold” and will be changed by an Employee to Pending once the check is cleared (or to “Cancelled” id it does not clear). The Transaction form, among other fields, also includes the service fee percentage field. It contains 3% fee by default, though the Employee can edit it and apply another percentage. The system checks if the total amount of all transactions made by that sender in the current month is equal or more than $5,000.00 and, if so, gives a warning message to the Employee who is registering the Transaction.
3. Printing Out Receipts. Once the transaction is registered within the system the Employee can print out the receipt.
4. Reviewing and Processing Incoming Transactions. Each Money Transfer Transaction has a status, which has one of the following values:
Pending (active status - sent by the Sender and not yet received by the Recipient),
Completed (inactive status - received by the Recipient),
Hold (active status – a check has been received from the Sender and check clearance is awaited)
Blocked (active status - the employee of the receiving Location takes the money for physical delivery to the Recipient and it is still unknown whether the money will be handed over to the Recipient or brought back)
Return Requested (active status - it’s been determined that the money cannot be handed over to the Recipient and shall be returned to the Sender).
Returned with Fee (inactive status - the amount of the Transaction along with the 3% of the Service Fee has been returned to the Sender)
Returned Without Fee (inactive status - only the principal amount has been returned to the Sender)
Cancelled (inactive status – no money has been received from the sender. Transaction has been entered by mistake, or a check payment has been received and the check never got cleared)
The following functions are available to the Employees:
• Completing Transactions (only for Delivery Transactions). The Employee may mark a Transaction as Completed. This is done prior to handing over the money to the Recipient (the system may not accept changing the status to Completed as its status may get changed to “Return Requested” from the sending Location right at that moment). Only the Receiving Location’s Employees and the Administrator can mark Transactions as Completed.
• Blocking Transactions. This function is available only to the Employees of the receiving Location and only for Delivery Transactions. The Employee sets a number of Transactions to status Blocked when he/she is about to deliver the money to the Recipients homes. If a Transaction is in Blocked status its status may be changed only by that Location’s Employees or System Administrator and can be set to Completed, Pending, or Return Requested.
• Returning Money. In order to return the money to the sender first the Transaction’s status should be made Return Requested. Transaction’s status may be turned to Return Requested only if its current status is Pending. In all other cases this request will be denied by the system. The status can be set to this value by the Employees of the receiving or sending Locations, by Administrator or the Sender. Once the system accepts change of status to “Return Requested” the sender Location’s Employee mails a check with the returnable amount to the Sender and changes the status of the Transaction to either “Returned with Fee” or “Returned without Fee”. A Transaction’s status may be changed to one of these two statuses only if its current status is “Return Requested”.
5. Transaction Tracking. The system keeps the log of statuses of each Transaction by recording the Status, Date/Time stamp and the user who made the change of the status. The log can be viewed by any user who has the right to see it (Administrators, all Employees of the Sending and Receiving Locations, the Sender if he/she has online account).
FUNCTIONALITY FOR ONLINE USERS
1. Registration. Any website visitor is able to register and get an online account on the AExpress website. The site has a special form for new Customer registration. All registered users are Senders (there is no account stipulated for the Receivers).
2. Profile Editing. A registered user can edit his/her Profile (Billing Address, Phone numbers, Login Name and Password)
3. Maintaining the List of Recipients. A registered user can create and maintain (add/modify/delete) the list of his/her Money Transfer Recipients. Each recipient’s details include Name, Address, Phone number. Address includes Street Address, City, Country and Bank (optional – for Bank Transfers only).
4. Maintaining the List of Credit Cards. Registered user may choose to maintain (add/modify/delete) the list of his/her credit cards. Each credit card details include Type of the Card, Card Number, Expiration Date, Security Code and Billing Address (if different from the Sender’s Billing Address).
5. Sending Money. The user is able to send money by filling out the related form. The form includes the following fields for entering:
• the recipient’s details (accompanied by a drop-down list of the user’s Recipients List – if a Recipient is chosen from the drop-down all the Recipient Details fields automatically get filled with the corresponding field values of the chosen Recipient)
• the credit card to be charged (accompanied by a drop-down list of the user’s Credit Cards List – if a Credit Card is chosen from the drop-down all the credit card details fields automatically get filled with the corresponding field values of the chosen credit card).
• type of Transaction (Delivery or Bank Transfer)
When the form is filled out and the user clicks the Submit button the system, through the credit card processing gateway verifies if the filled out credit card’s Billing Address matches the official Billing Address of the entered credit card. If it doesn’t the user is given an error message and the Transaction does not get through.
Once a new Transaction is accepted by the system (the amount is charged to the credit card) a new Transaction is created in the system and its status is automatically set to “Pending”.
Once the Transaction is through the system check if the total amount sent by this user in the current month is equal or more than $5,000.00. If so the system sends an automatic email to the Administrator informing about that fact.
6. Tracking the Transactions. The user will can the list of all his/her Transactions and see their details without ability to make any changes. The details also include the log of all status changes of the Transaction.
7. Requesting Return. The user can request a money return on those Transactions that have “Pending” status. The request will be later reviewed and processed by the Sending Locations’ Employee.
GENERAL FEATURES
1. Security. Once any user logs into the system his/her connection is secure (https protocol). The database is encrypted so nobody can just open and browse it without the key.
2. Connection with Unistream Banking System. At this point the system has the functionality dedicated to importing the incoming to AExpress Transactions into its database and exporting the outgoing Transactions from/to the Unistream Banking System. Incoming from Unistream Transactions mean the Transfer recipient is located with the range of AExpress’ Locations. The outgoing Transactions are either by the web users or customers who walk into one of AExpress’ Locations. For outgoing Transactions the system generates its own Transaction ID, which is given to the sender so he/she can pass it over to the recipient (otherwise the recipient cannot receive money at a Unistream location).
3. Informative Pages of the website. The website, along with the above described functionality also serves as the corporate website of AExpress. Thus, it has a number of standard pages: About Us, News and Events, Our Services, Terms and Conditions, Disclaimer, Privacy Policy, and Contacts. These pages’ content is managed by the Administrator through the Content Management Tool.
Website:
http://www.armenianexpress.com
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We would like to extend our gratitude toward the work that Elite Web has done for our company. The web site and the Content Management Tool they have developed are extraordinary. This is a great web site. The design is original and the site has its character and reflects well our company's nature. I will keep recommending Elite Web to our friends, clients and sub-contractors.
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We are thrilled with Elite Web's professional and timely ability to create an e-commerce website for us, which is not only engaging and esthetically beautiful to explore, but also very functional, practical and quite simple to maintain. Since the site went up we have received numereous encouraging compliments and most importantly: dramatically increased sales. Many thanks!
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