Universal cash module

Description

Universal Cash module combines the latest developments of the company BTC, providing bank with a flexible instrument for setting and execution of cash transactions. The algorithms and decisions used in a given product are constructed on the basis of all experience of the company in the field of retail banking, gained over many years. In particular, algorithms of calculation of cash transactions used in UCM have been involved for the first time in the module developed in 1995. Flexible settings - screen forms, calculations, checks, accounting rules - all this provided by UCM.

Architecture

Universal Cash Module is the core of a unified system of cash servising of customers of the bank. The module is implemented on a platform of EQUATION, and offers interactive features and services for working with cash transactions. It is possible to perform the full range of cash transactions directly from the terminal session of EQUATION, or to address to the UCM services from external systems. The UCM includes:

1. Operational tables in which cash operations and results of their execution are registered. Since the module is implemented on a centralized platform, all information on all operations of all departments is stored in a single location;
2. As well as the operational data, parameters of setting and functions of their maintenance are centralized;
3. The interactive options used by business experts of bank - cash operations and accompanying service functions (opening/closing of department, checking balances etc.);
4. Equivalent to interactive options services;
5. Suite of API and services for development of cash applications in external systems;
6. Functions of reporting generation;

1. Opening/closing of cash department;
2. Registration of the teller on a work place;
3. Input / confirmation / cancellation / viewing of cash operations:
   1. Cash payments from customers' accounts;
   2. Transfer of cash funds into accounts of clients;
   3. Collection of processing fee - cash or debited from the account;
   4. Operations with Western Union - sending, payment and return of transfers;
   5. Intrabank operations - a reinforcement, encashment, servicing of technical devices, operations with various kinds of values and valuable forms;
   6. Cash operations with corporate clients - incoming/account operations, operations with checkbooks, exchange operations;
4. Verification of cash remainders (balancing) with automatic forming of transactions on accounting of surpluses and shortages;
5. Forming of the cash reporting — operational (warrants, inquiries and other), and summary (forms 112, 118, 124, a label to sewing with cash documents and other).

Setting

Flexible settings - the main feature of UCM. Almost all components of cash operation are customizable:

1. Screen forms. Appearance of screens, a sequence of fields, rules of a correctness checking of the entered information, rules of calculation of accessories of operations are customizable;
2. Rules of calculation of the amounts. At operation input, user must enter a few details on which basis all parameters of operation will be calculated - amounts of commissions, VAT, odd money are calculated, conversion at various courses can be fulfilled. Setting allow to parametrize almost any rule of calculation according to bank rates;
3. Rules of accounting of operations. Accounting of operations is performed by a module developed by BTC - Transactions Generator. UCM includes additional user actions specific to the cash work - prolabel of accounting transactions with symbols of cash plan, generation of printed forms (orders), and accounting of movements in the cash boxes of tellers;
4. Setting of cash business processes. Rules of transitions of statuses of cash documents, the list of accessible actions with the operations which are used on various phases of processing are defined;
5. Printed forms. In UCM for the first time on EQUATION platfrom the mechanism of forming documents by means of language of transformations XSLT is used. All printed forms in UCM are formed in two stages - at first XML document which contains data for printed form generated. Then this document is transformed by XSLT procedure to a form suitable for display and printing. This allows to use single mechanism of generating printed forms in external systems and in EQUATION terminal session — in both cases the basis of a printed document is the same XML document;
6. Access. Developed in UCM controlling means of access to objects of system allow bank to form matrixes of access of almost any complexity without the involvment of a developer. The tool of multi-level role settings of users permissions is provided. Three-level scheme of organization departments of the bank is supported.