Hospital Collection
Payment System
Bank agents collecting patient payments on site — cash, card and mobile money — with clean reconciliation and a full audit trail.
- Prepared for
- Anlo Community Bank
- Site
- Anloga, Volta Region
- Prepared by
- Emmanuel Nkrumah-Sarpong
- Status
- Working prototype
The opportunity
The bank becomes the payment backbone of the diagnostic centre.
This is Anlo Community Bank's first move into institutional agency banking — a new revenue channel, and a demonstration of the bank's growing capabilities in the Volta Region.
The diagnostic centre partnership is the proof of concept. If it runs cleanly, it becomes the template for every institutional partnership that follows: we already do this, and it works.
Built to scale
The centre is already planned to become a full hospital. The system grows with it — no rebuild.
Aligned with national policy
Directionally aligned with Ghana's Digital Health Policy and Strategy 2023–2027.
Runs through outages
Core collection is designed local-first, so patients are served when the internet is not.
Solution overview
Two software components, one managed service.
Agent Desktop Application
On the agent's workstation inside the centre. Invoice lookup, payment capture across all three channels, receipts, and the agent's own shift history.
Local Server Application
On a small server at the centre. The institution's transaction record, the offline queue, reconciliation reports, and the supervisor dashboard.
Managed Service
A private portal for the bank: one-click software updates, operations manuals, video tutorials, and direct remote support.
Why two applications. The agent keeps working when the network drops because the desktop app holds its own copy. The local server is what makes the branch's numbers authoritative at end of day.
Architecture
Local-first. Core operations never depend on the internet.
| Agent desktop | Tauri (Rust) + React |
| Local data store | SQLite + SQLCipher |
| Local server | Node.js + Express |
| Server database | PostgreSQL + Drizzle |
| Receipt printing | ESC/POS dot matrix |
| Transport security | TLS on all API calls |
| Offline sync | Queue + deduplication |
| Updates | Signed OTA builds |
Invoice lookup runs over the centre's local network. No internet dependency for the thing agents do most.
What you just saw
Working today, end to end.
Built & demonstrated- Invoice lookup by invoice number or patient ID
- Cash, card and mobile money, each channel tagged
- Receipt issued per transaction — patient and institution copies
- Reprint any receipt by transaction reference
- Shift history — each agent sees their own collections
- Supervisor dashboard — every agent, live
- Per-agent summaries and daily totals
- Transaction search by patient, reference, channel, date, amount
- End-of-day reconciliation export
- Native desktop application, not a web page
What this prototype is not. It runs in the cloud so it can be shared by link today. The delivered system runs on the local server at the centre, on PostgreSQL, on Windows — as specified. Sign-in is a placeholder; real agent accounts come with the build.
Scope
What the five-week build adds.
Specified — scheduled in the build- Three-copy receipt printing on the dot matrix printer
- Offline mode — full capability during outages
- Automatic sync with deduplication on restore
- Individual agent accounts, roles and session locking
- Immutable audit log on every action
- System health: VPN, POS and sync queue
- Diagnostic centre integration over the local network
- POS device transaction recording
- Discrepancy flags for supervisors
- PDF reconciliation for BoG examination
- One-click OTA updates
- Manuals, IT guide and video tutorials
Regulatory position
Two regimes apply at once. Both are designed for from the start.
Data Protection Act, 2012
The moment an agent views a patient's name, the bank is a data controller. PII is encrypted at column level and processed only for collection — no secondary use.
GHS Patients Charter
Bank agents are a third party. They see only invoice reference, patient ID, service and amount. No clinical data. There is no way to browse patients.
Cybersecurity Act, 2020
TLS throughout, full-disk encryption on the server, role-based access, individual logins, automatic session lock, USB storage disabled.
Bank of Ghana Directive
Audit log, access controls, reconciliation reporting and incident response built to satisfy BoG examination.
A data-sharing agreement between the bank and the centre is a legal requirement under Act 843 before go-live. It should be in place before the system runs.
Delivery
Five weeks, in three stages.
Build
Agent desktop and local server completed: printing, offline sync, search and export, health dashboard, audit log, OTA infrastructure.
Deployment
Server setup, VPN provisioning with bank IT, integration with the centre's system, printer calibration, POS connectivity, security hardening.
Go-live
Remote agent training, supervised live operation, adjustments, sign-off.
Two dependencies set this clock. API documentation or database access from the centre's vendor, and VPN credentials from the bank's IT team. Any delay on either is raised early so we adjust together.
To proceed
Who does what.
Anlo provides
These must be in place for the five weeks to run to plan. A delay here moves the date.
- The hardware: server machine, agent laptop, dot matrix printer, POS device
- VPN between the centre and the bank, set up by bank IT
- Access to the centre's invoice system, from their vendor
- A named contact at the bank and at the centre
- A signed data-sharing agreement, before go-live
Not covered by the fee
Outside this proposal. Named here so nothing is assumed either way.
- Buying or physically installing any equipment
- Cabling, switches and firewall configuration
- POS work beyond what the provider's interface allows
- A mobile app
- A second site — this covers the one diagnostic centre
Why spell this out. Most project disputes come from one side assuming the other was handling something. This list exists so that conversation happens now rather than in week four.
Investment
One fixed fee. Three months of service included.
30-day satisfaction guarantee. Full refund within 30 days if the agreed specifications are not met.
Fixed fee. No hourly billing, no scope-creep invoices — the specification in the proposal is the specification delivered.
Try it yourself
anlo-hcps.seraphapps.comEmmanuel Nkrumah-Sarpong · Seraph Technologies
Download the agent app · Working through outages · Support & service FAQ