Title: CANOPUS Private Banking: Solution for Banks and Credit Unions
1CANOPUS Private Banking Solution for Banks and
Credit Unions
2CANOPUS 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
3CANOPUS Private Banking facilitates usage of the
most popular banking products
4Complementary functions
5CANOPUS 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.
6System Structure
7A 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
8Workflow scheme for account opening for a private
client
The back office receives an application for a new
account
9Register 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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10Confirmation of a New Account Application
After the confirmation, an authorized manager
automatically creates a new client in the client
database, and the client account
11A new client is created and a new account opened
Client personal account card
Client card
An account is initially blocked on debit
12Generation of Client Keys
A Remote user is created for the client. An
Internet banking code card and payment password
are generated for transaction authorization
13Awaiting 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
14Account 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
15A 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.
16Interfacing 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.)
17Interfacing with External Systems
18Tree 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
19Report 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
20In-built report generator
A user can create any kind of report and add it
to the list of available reports
21Aggregates Module
The module enables generation of account/
sub-account groups to be subsequently used in
reports
22Tariffs 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.
23Tariff 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
24Tariff 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
25Internal Mail System Mailings
26Internal Mail System
27Account 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
28Account Limit Control Module
The form for account limit rules setup
29Account Limit Control Module
An example of setting the limit validation
procedure in the workflow scheme
30AML 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
31Black Lists Module
The system supports various black lists
Result of search in a black list based on the
substring choice
32Cards 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
33Cards Module
Here you can see a standard lifecycle of a bank
payment card
34Cards 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
35Loans 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
36Loans 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
37Loans 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
38Loans Module
Register of scheduled loan events (issuing,
repayment rate, principal redemption, etc.)
39Loans Module
Control card for a loan agreement. It contains
all scheduled and actual transactions under the
agreement
40Loans Module. Internet-Banking
41Deposits 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
42Deposits Module Deposit register
Deposit register. Form for deposit agreement
submitting/editing
43CANOPUS 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.
44CANOPUS Cyberbank
45CANOPUS Software Ltd.
- 25, 1-St Pugachevskaya Str., Moscow, Russia
- Tel. 7 495 9563468
- www.eng.canopus.ru
- www.macrobank4.com