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The typical situation - each bank has some basic accounting system and card back-office. Clients’ current accounts are serviced in one system and card accounts in another one. What does it mean for a client and for bank employees?
Bank clients’ and operators’ impressions can be expressed in just two words ‘difficult’ and ‘long’.
• In order to issue a card for a client who has a current account in the bank, it is necessary to open a separate card account for him and moreover to do it in both the systems – accounting and card one.
• If a client has money on his current account and he needs to pay for his purchases or to withdraw money from the account via an ATM, the necessary amount is to be transferred to his card account before.
• If a client has money on his card account and he wants to replenish his deposit, it is necessary to transfer money to his current account before or to withdraw a proper amount and bring it to the bank in cash.
• The bank can allow a client to replenish his card account in a cash office, but a client cannot withdraw money from such an account in a cash office because of a risk that an unauthorized overdraft may occur.
Besides we should consider that a client often has more than one account in the bank (e.g. a salary account and an entrepreneur one). Such a client acquires two, three or four cards depending on a quantity of his accounts. He carries them in his wallet and saves pin-codes in his mobile phone memory that makes it easier for potential criminals to find out them.
But it is very convenient to use a payment card, it becomes a more and more popular gadget and nowadays a client wants to use his card not only as means of payment, but as a key for his money management.
A client wants to have just one card and an operator wants to have just one work system.
IB2 – ONE TO MANY AND MANY TO ONE
One account – a lot of cards
• One or several cards can be opened for a usual current account;
• An operator services a client in one system, that is the ABS B2;
• Registration of a client in the card back-office and ordering a card for him is performed automatically.
One card – a lot of accounts
• One card can be associated with several accounts and contracts;
• A client can transfer money from one of his accounts to another one or replenish his deposit straight via an ATM;
• A client manages his funds by himself and the bank saves its time.
Other advantages of the solution
• Card operations are performed online;
• There is no risk of an unauthorized overdraft occurrence;
• A client operates his card in a common account mode, managing the same funds by means of an ATM, in a shop, in a bank cash office or via an internet banking;
• Time for servicing a client is reduced;
• Time for training operators is reduced.
Architecture of participant systems interaction
Functionality
• A current account opening accompanied with synchronous ordering of a card;
• Ordering of a card for an existing account;
• A contract template selecting and a client’s secret word specifying for registering a client in the card back-office;
• A card holder selecting for embossing;
• A department selecting for a card delivery;
• Associating one or several accounts with a card;
• Related products controlling;
• Authorization settings for card transactions;
• Documents processing and card transactions authorizing;
• Reports generating, operating registers of documents.
Technologies
• Database server functioning is controlled with Oracle DBMS;
• Application server functioning is controlled with ASWebSphere, jBoss;
• Client workstation functions as a part of the ABS B2 client application;
• Interaction with a processing system is realized by means of ISO 8583 protocol;
• Interaction with a processing back-office is realized by means of DBLink;
• Solution services can function as a part of an integration bus.
Detailed information about the system
Concerning a detailed presentation or the system purchase address us by contacts specified below.
CS Ltd., office 504, 42 A Tobolskaya str., Kharkov, 61072, Ukraine
Phone:+380 (57) 760 1367, 717 5132,
cite: www.csltd.com.ua, e-mail:
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