Enigma Intrabank Payment System

Enigma ensures the automation of payments within multibranch banks in the domestic currency and foreign currencies. Enigma is designed to exchange payment document packages and process files between the Electronic Funds Transfer System (EFTS) of the National Bank of Ukraine (NBU), the Bank's Head Office and branches in accordance with the requirements of the National Bank of Ukraine for intrabank payment systems (IPS) (Model 3 of servicing cash systems in EFTS) and for an interface between a bank automation system and the NBU's EFTS.
Exchange between the NBU's EFTS and the participants in IPS is only made in the domestic currency while exchange between the Head Office and the branches is made in both the domestic currency and foreign currencies.

Enigma consists of the Clearing House module (installed in the head office) and Terminals (installed in the head office and each of the branches).

Clearing House (CH) is the master module of this payment system. It performs the basic control of operation rules of the whole IPS. CH ensures the receipt of and sending files in several directions: the NBU, the Head Office, and the branches. CH is not a separate participant in the NBU's EFTS. All the entries and postings performed in CH are shown of the face of the balance sheet of the Head Office on the same day. For the NBU's CH, Clearing House acts for, in the name and on behalf of the Head Office.

CH Functional Parts:-

  • CH Administrator Workstation

It is intended to the performance, by the responsible users, of the functions of monitoring both the state and functioning of Clearing House as well as to control the system as a whole.

  • File Exchange Interfaces (Consoles)

These are responsible for processing incoming files (including identification, decoding, the verification and application of electronic digital signatures, placing files received to the database of IPS's Clearing House), as well as for the preparation of and encoding outgoing files and sending them further to their recipient. They perform file exchange between IPS's Clearing House and the Head Office, between IPS's Clearing House and the NBU's EFTS, between IPS's Clearing House and the branches.

  • On-line Exchange Interface

It implements package exchange between IPS's Clearing House and the NBU's EFTS; ensures initial payment transfer and return payment receipt through the on-line interface with the NBU's EFTS.

  • Database

It stores payment files and process files, information about processing steps and document passage within the system. Furthermore, it stores data about system settings and users' rights of access to its data and functions. Operation logs of CH functional parts are also stored in the database.

A terminal is an intermediate link between the branch's BAS and CH and is designed to perform security functions
Terminal Functional Parts:-

  • Terminal Administrator Workstation;
  • File Exchange Interfaces; and
  • Database.


Enigma Principal Functions

  • Payment document file processing and exchange between the IPS's nodes (the Head Office, branches) and the NBU's EFTS;
  • Ticket (receipt) and account statement file processing and exchange from the NBU's EFTS;
  • Ticket (receipt) and account statement file processing and exchange with the branches and Head Office;
  • Process file processing and exchange;
  • Management on branches' correspondent subaccount standard formats of files (for 4 models of work with cash systems in the NBU's EFTS);
  • Branch payment management using business rules;
  • Forex payment transfer within IPS;
  • Exchange of arbitrary files between the branches and Head Office;
  • The support of the requirements for IPS on the part of the NBU's IPS;
  • The support of the requirements for IPS in processing payments for governmental securities; and
  • The application of cryptographic protection software to protect information.
 

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