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CANOPUS Private Banking: Solution for Banks and Credit Unions

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A client fills the application form for a new account online, on the bank website ... After that, the client's account is unblocked ... – PowerPoint PPT presentation

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Title: CANOPUS Private Banking: Solution for Banks and Credit Unions


1
CANOPUS Private Banking Solution for Banks and
Credit Unions
2
CANOPUS Private Banking is a MacroBank-based
solution to automate small-to-medium sized banks
  • Optimal for small and medium banks and credit
    unions offering online services via Internet
  • Real-time automation of bank workflows
  • Support for multi-currency bank accounting and
    reporting in compliance with international
    standards and regulations
  • Automatic real-time calculation of tariffs,
    commissions, and agent fees for all transactions

3
CANOPUS Private Banking facilitates usage of the
most popular banking products
4
Complementary functions
5
CANOPUS Private Banking
  • Enables maximum workflow automation from
    application for account opening through to remote
    servicing of client accounts via Internet banking
    or SMS banking in a real time mode. Minimizes
    paper workflow and error probability, improves
    transaction safety.

6
System Structure
7
A client fills the application form for a new
account online, on the bank website
The application form is generated according to
the settings in the Application Editor Module
You can create various application forms for
different banking products (loans, deposits,
etc.) and export them to the Internet banking
system
8
Workflow scheme for account opening for a private
client
The back office receives an application for a new
account
9
Register of applications for account opening
An agent can view all applications and handle a
selected one. If the client has submitted all the
documents and the application is approved, the
application moves on to the Documents are ready
status and awaits the final confirmation of
account opening
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(??????????????)
10
Confirmation of a New Account Application
After the confirmation, an authorized manager
automatically creates a new client in the client
database, and the client account
11
A new client is created and a new account opened
Client personal account card
Client card
An account is initially blocked on debit
12
Generation of Client Keys
A Remote user is created for the client. An
Internet banking code card and payment password
are generated for transaction authorization
13
Awaiting money arriving in the client account
After the keys are generated and sent to the
client, the application moves on to the Waiting
for Money status
14
Account Receipts Fee Charging
When money arrives in the clients account, fees
for incoming payment and account opening are
charged automatically. After that, the clients
account is unblocked
15
A client is granted access to the Internet
banking system and can manage their account online
A client can view statements on all accounts,
make payments, conversions, put money in the
deposit, apply for loans, etc.
16
Interfacing with external payment systems and
correspondent banks
  • In operations with correspondent banks, the
    module enables maximum automation of message
    exchange in SWIFT, SEPA, etc. It allows a user to
    handle incoming payments and statements from
    correspondent banks, and to generate messages to
    be sent via a SWIFT terminal (SWIFT Alliance,
    etc.)

17
Interfacing with External Systems
18
Tree of messages
List of messages to be sent
The classifier of incoming/outgoing messages is
user-adjustable
Informative part of a message taken to fields
19
Report generator
  • A large variety of pre-set reports balance
    reports, statements, balance lists, etc.
  • Creation of any reports by means of FastReport
    a powerful system-integrated tool
  • The Aggregates module for fast grouping of
    accounts and generation of grouping-based reports
  • Reports based on the account classifier

20
In-built report generator
A user can create any kind of report and add it
to the list of available reports
21
Aggregates Module
The module enables generation of account/
sub-account groups to be subsequently used in
reports
22
Tariffs and Fees
  • Adjustable tariff schemes for various financial
    products and services, for different client
    categories
  • Individual tariffs for clients
  • Flexible tariff rules depending on currency,
    transaction value, etc.
  • Agent fee calculation, sign-reversed tariff
    (bonus) calculation.

23
Tariff Rules Setup
Additional conditions of tariff calculation
(tariff rules) can be set, depending on amount,
currency, etc.
Tariffs can be calculated as percentage or be
fixed, can have maximum and minimum values
24
Tariff Block Setup in the Workflow Scheme
and set parameters for the tariff calculation
A user can define where in the workflow a certain
tariff is to be calculated
25
Internal Mail System Mailings
26
Internal Mail System
27
Account Limit Control Module
  • Setting account limits for various accounts and
    groups of account in the breakdown of currencies
  • Setting rules for limit calculation
  • Setting special blocks in the workflow to
    validate limits on various types of transactions
    (documents)
  • Flexible processing of situations when limit is
    exceeded
  • Logging all situations involving limit exceeding

28
Account Limit Control Module
The form for account limit rules setup
29
Account Limit Control Module
An example of setting the limit validation
procedure in the workflow scheme
30
AML Module
  • Support of payer/payee black lists and
    prospective client lists (OFAC and others)
  • Setting rules for defining and detection of
    suspicious transactions
  • Setting client profiles, collection and
    processing of statistical data on clients,
    detection of abnormal activity
  • Collection and storage of necessary data on every
    client, according to KYC principle

31
Black Lists Module
The system supports various black lists
Result of search in a black list based on the
substring choice
32
Cards Module
  • Online application for card issuing via Internet
    banking
  • Automation of entire card lifecycle (issuing,
    re-issuing, locking, limit change, etc.)
  • Interfacing with an external processing system
  • Control over card account status in Internet
    banking system

33
Cards Module
Here you can see a standard lifecycle of a bank
payment card
34
Cards Module Internet-Banking
Register of a clients bank cards currency,
limits, current status, type
A client can send an online application for card
issuing, locking or activation, account limit
change
35
Loans Module
  • Flexible system of credit product generation and
    adjustment
  • Keeping register of loan agreements and control
    over their execution
  • Calculation of loan payment schedule and
    generation of loan events schedule
  • Online loan calculator, loan application via
    Internet banking

36
Loans Module
This tab is for setting templates for
automatically opened account
Credit product setup form. For each product the
following needs to be defined currency, money
and term range, interest rate and settlement
scheme
37
Loans Module
The standard loan agreement form. The form can be
modified for different types of credit products
List of methods available for the selected
agreement
38
Loans Module
Register of scheduled loan events (issuing,
repayment rate, principal redemption, etc.)
39
Loans Module
Control card for a loan agreement. It contains
all scheduled and actual transactions under the
agreement
40
Loans Module. Internet-Banking
41
Deposits Module
  • Flexible system for deposit product generation
    and setup
  • Keeping register of deposit agreements and
    control over their execution
  • Online deposit application via Internet banking
  • Various schemes of deposit interest calculation
    and charging

42
Deposits Module Deposit register
Deposit register. Form for deposit agreement
submitting/editing
43
CANOPUS Cyberbank Concept
  • The concept is based on comprehensive automation
    of a banks workflow relationships with
    prospective and current clients, partner banks,
    payment systems, processing companies, e-commerce
    companies, etc.

44
CANOPUS Cyberbank
45
CANOPUS Software Ltd.
  • 25, 1-St Pugachevskaya Str., Moscow, Russia
  • Tel. 7 495 9563468
  • www.eng.canopus.ru
  • www.macrobank4.com
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