CBS Work Shop
Divisional Heads of Karnataka Circle
Divisional Level
Module Content
Finacle CBS Solution Over view
• DOP CBS architecture and Finacle CBS Benefits
Finacle CBS GL Structure and Fuctionality Review
Finacle CBS Products , definition overview
including CIF
Core Services Overview 1
• Inventory Management
• Document Management
Module Content
Finacle CBS Solution Over view
• DOP CBS architecture and Finacle CBS Benefits
Finacle CBS GL Structure and Fuctionality Review
Finacle CBS Products , definition overview
including CIF
Core Services Overview 1
• Inventory Management
• Document Management
Module Content
• Finacle CBS Solution Over view
– DOP CBS architecture and Finacle CBS Benefits
• Finacle CBS GL Structure and Fuctionality
Review
• Finacle CBS Products , definition overview
including CIF
• Core Services Overview 1
– Inventory Management
– Document Management
Finacle CBS Banking solution Architecture
Channels
India
postWAN
CBS / PLI
Mobile
(SMS)
Phone
ATM
India
postWAN
ATM
Switch
Risk based
authentication/
antiphishing
Mobile/
LL
network
Call centre
Mobile
Finacle FIS
internet
Finacle
ebanking
IVR
Insurance
Banking
Core Banking
( Finacle )
Internet
Browser
Mobile
network
Core PLI (Mc
Camish )
AML(sas)
Database &
infrastructure
Application Tier
Channel
integration
Net work
Office
Branch
Underwriting +
reinsurance
(eBAO )
ECMS ( IBM Filenet )
oracle
oracle
oracle
Infrastructure and storage device
oracle
Solution Overview
• Finacle CBS confirms to core banking , e banking and
web based cash management requirements
• Customer oriented – CRM module is accessible from all
applications & customer data is available across
applications
• Comprehensive functionality through integrated back
and front office
• Adherence to regulatory reporting and risk
management ensure standardized practice
• Finacle CBS ensure assimilation of external
components like payment systems, clearing house,
central bank and card issue etc
Benefits of Finacle CBS
Customer centric design
 One view of the banking customer
 All products and his account balance
 Any branch banking / transactions across post office for all
customers
 Aided by online verification of signature & photo (ECMS)
 Instant account transfer between CBS post offices
 24x7 access to banking facilities
 eBanking
 ATM
 Mobile Banking
 Western Union Integration will ensure credit of foreign remittances
into post office savings account
Benefits of Finacle CBS
Operational Efficiency
 Discrepancy between SOSB and So data will cease to
exist – end state
 No manual input of vouchers at SBCO
 Audit work reduced
 Better access control on application based on predefined user roles
 Transaction based on exception based controls
 Hierarchy of who can approve what transaction
 Complete flexibility for grouping of sub offices and
head offices for reporting
 MIS report generation – automated and instant reports
Benefits Of Finacle CBS
• Regulatory compliance
Anti money laundering rules integrated
Dynamic customer risk profiling based on KYC
regulations which is liked to consolidated cutomer
account balance
Electronic filing of CTR and STR
Ability to create new scenarios based on new
regulatory requirements for AML
Module Content
Finacle CBS Solution Over view
• DOP CBS architecture and Finacle CBS Benefits
Finacle CBS GL Structure and Functionality Review
Finacle CBS Products , definition overview
including CIF
Core Services Overview 1
• Inventory Management
• Document Management
Finacle CBS GL structure overview
Finacle CBS GL and account linkage
•
GL Head
Scheme Type
•
•
GL sub Head
•
•
•
•
•
Scheme code
•
Maintenance of the Sub GL
codes with link to GL code
branch
wise
and
no
restrictions on the no of GL
heads and sub heads
Replication of Sub GL to
other branch is allowed
Linkage of GL , product &
customer
Customer accts & GL accts
definition is supported. Each
of these accts are linked to
GL and Sub head
Transactions are allowed at account level only and integrated up to the GL Sub head or GL for consolidation
purpose
End Of Day updates to General Ledger based on transactions performed on accounts
Transfer of accounts between GL sub heads supported
SO /HO / Circle wise GL positions with reports , inquiries , income and expense statements
Value dated reporting at GL /Sub GL level is supported
Module Content
Finacle CBS Solution Over view
• DOP CBS architecture and Finacle CBS Benefits
Finacle CBS GL Structure and Functionality Review
Finacle CBS Products , definition overview
including CIF
Core Services Overview 1
• Inventory Management
• Document Management
Product definition overview
The perspective
Fee
code
Interest
code
GL
code
Segme
nt
Defiinit
ion
financi
als
Limits
interest
Dealer
code
Excepti
on
code
statem
ent
Product
Definition
Customer
Definition
attributes
Account
Definition
Customer Information File CIF
• The customer information file – CIF- provides
a complete and accurate view of the customer.
• It is a single source of information about the
relation of the customer with indiapost across
the various SB products and across various
SOL
CIF
CORE
CIF
Other external
systems
CRM
CIF Creation Process (1/2)
Customer
requests for
account opening
,submits all KYC
documents
along with
account opening
form
On receiving all
the KYC
documents & AOF
, Counter PA will
go ahead for CIF
creation.
a de – duplication
check will be done
by using menu
option ‘CDEDUP ‘
to see whether the
customer is an
already existing
customer
CIF ID is created at
the post office by
using the menu
option
“CCRC/CIFCR”
CIF ID is noted in the
AOF& verified by
the counter
supervisor - menu –
CCRC/CIFCR and
send to CPC for
further process
CIF Creation Process (2/2)
Before verification , if
records entered are
NOT correct as per
the physical
documents ,
Supervisor rejects
the CIF and asks the
counter PA to modify
the details –menu –
‘CCRC/CIFCR” and
resubmit
CIF/account
modification after
verification is done
through menu
‘CMRC/CIFMD’ at
CPC only
After the customer
record is created in
the system the user
at CPC scans and
upload the customer
documents in the
ECMS system
CIF - Advantages
• 1 customer 1 CIF across Indiapost
• A customer having a CIF opened in one office becomes a
customer of Indiapost and same CIF can be used to open
accounts in any PO
• Every CIF account opening process goes through a de-dup
check which checks on 11 parameters to prevent the
Duplicate CIF creation
• CIF document status report at the time of account opening
captures all the KYC documents obtained for account
opening
• CIF related documents can be viewed from all the CBS Pos
• A customer of internet /mobile banking can see all the
related accounts in one screen
Demonstartion
• A brief view of the CIF
Demonstration
Module Content
Finacle CBS Solution Over view
• DOP CBS architecture and Finacle CBS Benefits
Finacle CBS GL Structure and Fuctionality Review
Finacle CBS Products , definition overview
including CIF
Core Services Overview 1
• Inventory Management
• Document Management
Core Services
•
Security
item vendor
Office
Double Lock
•
•
Counter
Assistants
Damaged
items
•
•
•
Track inventory movement
between locations and
identification of inventory
type (external vendor to
double
lock
and
to
employee location )
Maintain inventory status –
used / unused/ destroyed
Split & merge of inventory
items
Authorization of inventory
movement
between
locations
Maintain authorizer details
Management of series of
instruments
Inventory movement
•
Operating guidelines:
– Inventory indent will be raised by HO for itself and for attached Sos
– Inventory received by HO for itself will be in-warded into finacle for further process
– For SOs, an identified PA will change his context SOL to identified SOL and move the
inventory for that SOL ( At present the Menu HCCS is not given any Supervisor – the HO
sup is moving it to external location )
– The PM / supervisor of the context SOL will verify the physical inventory
– If the physical inventory and transaction matches , the SO PM will complete the
verification process
– The in-warded inventory initially will be in double lock location in Finacle
– The PM/Supervisor will have to assign the inventory to counter PA through the system
based on the actual number of inventory handed over .
– Once the inventory is available with the counter PA , it can be issued to the customer
ECMS and SVS
Customer
submits AOF &
KYC docs
Counter PA check
Docs
Counter PA
• Form is fully filled
• Correctness - KYC
• KYC- A4 paper
• Take specimen
signature – ss book
• Account opened with
minimal fields
• Required doc
accepted & stapled
ECMS & SVS – Process flow
Supervisor
• Checks in the fields
entered by counter
PA
• Approves
Counter PA
Counter PA
• Creates packets of
stapled forms and
KYC docs
• Counter PA mentions
the account number
& CIF ID on the AOF
• Generate report for
CIF/accounts opened
on the date
• Paste the report on
the bundle
All packets will be send to CPC for scanning
ECMS & SVS – document management
• At CPC
– MTS
• receives the bundle and open the packet
• tally the form received with the list and mark the missing
• PA
– Checks the KYC , mark the incorrect / missing
– Submit to supervisor
• Supervisor
– Verifies the objections by PA and returns the form
back to PA
Contd
• PA
– Updates the status of AOF in Finacle hand over
accepted forms to MTS
• MTS
– Prepares batch of accepted AOFs
• Documents are unstapled
• Separator sheets are placed with filled side on top
• PA
– Scans the forms
– Check the quality of images and rescan if required
– Verified images are uploaded to Data Cap
Contd
• Data Cap
– Maker
1.
2.
3.
4.
Image correction
Page identification
Image extraction
Data correction
– Checker
1.
Verification
• Batch files created for upload
– Data files : export to Filenet repositories with tagged
meta data
– Images ( signature& photo ) upload to finacle
– Document reference upload through batch file to finacle
• Finacle CBS
– Account is completed by referring to physical
documents
– Supervisor
• checks the updates in finacle and accept the same
– PA
• Hand over the bundles to MTS
– MTS
• Removes the separator sheets and staple it back
• ECMS
– A cloud based infrastructure that captures and stores all
the scanned documents obtained during account opening .
– ECMS is interfaced to Finacle CBS for dynamic access of
scanned documents including signature and photo of the
customer
– ECMS process is done at CPC
• SVS
– Integral part of Finacle CBS
– Facilitates upload and viewing of photographs , signatures
and documents of the customers
– For post offices view only facility
• Demonstration
Topics
CPC Activities
Office
accounts
• O A basics
• O A pointing
• OA system
pointing
• Inter SOL
accounts
Customer
accounts
Account
maintenance
Stop payments
,
• account
attachments (
freeze )
• Lien
operations
CPC
•
Activities in CPC
–
–
–
–
–
–
•
Existing CIF modification / maintenance
Welcome kit based account opening
Existing account maintenance /modifications
Cheque book request capturing
Due notice generation
Signature and photograph viewing
Activities related to ebanking
– User login creation for internet banking access
– Pin mailer generation , printing and mailing them to customer
– Activities based on the cutomer requests through internet /mobile banking
•
Activities related to ECMS
–
–
–
–
Physical document receipt, segregation
Scanning
Uploading to the content server
Revert the physical documents back to originating office for safe keeping
Office accounts
• Type of Office accounts
– Office Account Basic (OAB)
• These are simple internal accounts . These accounts help in managing
the General Ledger
• Accounts like Cash, Asset account , liability account , contingent
accounts, interest , commission, exchange , discount and charges are
opened under this scheme type
– Office Account Pointing
• Pointing accounts are used when transactions are created for short
period with a reference and they will have to be reversed. Ex : sundry
creditors, suspense payments etc
– Office System pointing
• The users are not allowed to do any transactions
• The transactions are generated and verified by the system on invoking
or at events . Ex For interest calculation system calculates and creates
a transaction and posts it
Office Accounts
• Inter SOL accounts
– In a centralised database where transaction
pertaining to accounts of more than one SOL is
involved , the transactions are not routed throgh
Head Office accounting . Whenever a transaction
takes place between two accounts of different
SOLs
– Office Accounts to be used by Counter PA and
Supervisor and Process to be followed by
them.docx
Topics
CPC Activities
Office
accounts
• O A basics
• O A pointing
• OA system
pointing
• Inter SOL
accounts
Customer
accounts
• Various types
of accounts
Account
maintenance
Stop payments
,
• account
attachments (
freeze )
• Lien
operations
Customer accounts – SB
• Accounts can be opened as per the DoP rule
• Nomination can be captured as part of account opening
process
• Account number is system generated – 10 digits
• Maker – checker process is applicable
• Modification can be done before or after after verification
by due process
• Cheque book request can be captured through internet
banking channel or physical submission of request
• Standing instruction can be set up for credit / debit to /
from the account – fully automated process
• Feel good factor – welcome kit based account opening
Savings bank – Menu ptions
Activity
Menu option
Opening of account
CASBAO/QDESA
Verification of account opened
CASBAV/QDESAVF
Modifying before verification
CASBAOM/QDEMSABV
Modification of account details after verification
CASBAM/QDEMSA
Cash receipt and modification
CTM
Account transfer
CXFER
Account closure
HCAAC
Closure verification
HCAAC
Term Deposit
• Time deposit can be opened for different type of
customers- ----• The term deposit module covers the entire life cycle of an
account
• Post office can define the different interest calculation
method while defining the product – is it at data centre
level
• Finacle facilitates passbook certificate printing. Reprinting
and duplicate printing
• Upon maturity TD can be automatically renewed for the
period it is opened
• Closure can be preclosure or on maturity
• Lein if any should be revoked
Term deposit – key terminology
TERMS
DESCRIPTION
Flow Code
Associated with financial transaction to deposit account . This is to identify the type of
transxn to and from a deposit account ( deposit credit , interest credit , interest
payment etc)
Extension
Premature renewal of a term deposit
Principal Inflow
Crediting deposit amounts to deposit account for all type of accounts ( except RD)this
flow happens only once to the account ideally at the time of opening of account
Principal Outflow
This flow is used for debiting ( payment ) of the deposit amount ( principal) . Normally
this is used when inerest is paid periodically to the customer separately . So on closure
customer is entitled to receive only the principal amount .
Interest inflow
This is the interest credit to the deposit account .this is used in case of cumulative type
of deposits.
Total outflow
Debit of closure proceeds which includes principal and interest credited to the
deposit account . Normally it refers to the debit transaction of a deposit account on
closure which had interest flow.
Term Deposit – Operations
Activity
Menu option
Opening of a term deposit
CMISAOP/MISAO
Verification of the account opened
CMISAOPV/MISAVF
Modification of the account before
verification
CMISAOPM/MISAMBV
Printing of passbook/ certificates
HPBP
Renewal of term deposit account
HTDREN
Closure of a Term Deposit Account
HCAACTD
Verification of closure
HCAACVTD
Modifying the closure criteria before
verification
HCAACMTD
Recurring Deposit – Account Operation
Activity
Menu Option
Creation of CIF ID for new customer
CVRC
Opening of RD Account
CRDOAAC/RDAOCM
Transaction at the time of account opening
CRDOAAC/RDAOCM
Verification of the account
CRDOAACV/RDACLM
Modification of the account before verification
CRDOAACM/RDMAO
Issue of passbook for RD account
HPBP
Closure of Rd account
CRDCAAC/RDACLM select
function Z - close, V – verify &
cancel as required. Enter the acc
number for closure
Verification of the account closure
CRDCAACV/RDACLM by another
user
In RD , the existing half withdrawal will be known as loan against RD . A separate
account viz., RD loan account will be opened
Value addition in CBS – RD/TD
• RD account instalments can be paid through internet
banking/ agents
• Agents can use agent portal to improvise the collection
process
• Super agent facility to support agents from a PO
location for RD installment collections
• Various process in account operation is fully automated
• Interest application process run is done at DC
• A customer for any of this service can do the
transaction from any CBS PO
NSC
•
•
•
•
•
•
•
•
•
Certificate is issued on account opening
Each certificate issued is considered as an account in CBS.
An account number is allotted for each certificate issued
Conversion of the account from single to joint and vice versa is
allowed.
Provision is made for marking lien and to freeze at the time of
pledging or on court order
In general interest is paid only on maturity
When bank advance loan against NSC pledged, PO will only mark a
lien on the account or freeze it .
In case of non-availability of the certificate inventory in the stock ,
the counter PA should issue a NC(4) by noting the NC 4 number in
the account opening form
A report can be generated for NC 4 issued accounts
NSC – Process flow
Activity
Menu
Opening of NSC account
CSCOAAC/NSCAO
Account verification
CSCOAACV/NSCAOVF
Posting of transaction ID
HTM
( on verifn of an SC account , a transaction
ID is generated)
Modify an account before verification
CSCOAACM/NSCAMBV
Modify an account after verification
CSCACM/NSCAM
Closure
CSCCAAC/NSCAC
Report for the closed accounts
HPR
Pending certificate issue
HFINRPT option 64
In case multiple certificates are issued to a single customer , finacle CBS generates a
unique number for each certificate with a common registration number
KVP
• KVP opening is discontinued 1-1-2011.
However all existing account can be migrated
to CBS. Following operations can be
performed for the accounts transferred to CBS
– Modification of account details – nominations
– Premature closure as per applicable interest rate
– Closure on maturity
– Transfer of account from one post office to
another
KVP - Process
Activity
Menu
To modify a KVP
CSCACM/NSCAM
Balance enquiry
HACLI
Closure/pre-closure of the KVP account
CSCCAAC/NSCAC
View of account closure report
HPR
1. A memo pad feature help to follow up for any missing document o any pending
queries from audit or any other department
2. History can be maintained so that duplicates can be prevented across CBS
offices
SCSS - PROCESS
Activity
Menu
Account opening
CSCAOP/SCSSAO
Verification of Account
CSCAOPV/SCSSAV
Modification of the account opened
before verification
CSCAOPM/SCSSMBV
Modification of the account opened after
verification
CSCAM/SCSSMAV
Cash deposit and transfer transactions
CTM/CXFER
Closing of an account
HCAACTD
Verifying the closed account
HCAACVTD
MIS
Activity
Menu options
Opening the account ( after enquiry of customers
balance holding )
CMISAOP/MISAO
Verification of the account opened
CMISAOPV/MISAVF
To modify an account before verification
CMISAOPM/MISAMBV
Modification of an account after verification
CMISAM/MISAMAV
Fund the account through cash
CTM
Fund the account through transfer
CXFER
Enquiry of ledger balance
HACLI
Closing of MIS account
HCAACTD
Verification of the closed account
HCAACVTD
Age validation of the defence personnel
SCDEF
MIS
• CIF ID facilitates to check the MIS limits for the
customer
• Batch job for transfer of interest – automatic
during end of day/month end
• Distinguish accounts for tax deduction at
source
• ECS enablement help to transfer monthly
interest to accounts held in other banks
PPF
Terms
Description
Deposits
Amount credited to the account . Mini 500 and max
100000 per annuum
Withdrawal
Allowed only after 5 years ( partial withdrawal)
Discontinued account
If minimum deposit for an year is not deposited . Loan
and withdrawal are not allowed in such account
Extension
A matured PPF account can be extended for another 5
years. This can be extended for further block of 5 years
HUF
HUF are not allowed to open PPF
PPF – Operations
Activity
Menu Options
Account opening
CPPFAO/PPFAO
Verification of the account
CPPFAV/PPFACVF
Deposit
CPDTM
Withdraw from the account
CPWTM
Account closure and verification
HCAAC
Discontinued schemes & exceptional schemes
• There are 21 discontinued schemes which are to
be maintained so as to ensure closure of the
accounts on mature /overdue /otherwise
• The only operation possible in these schemes are
pay out the amount to account holder
• Balance of all such accounts are maintained in a
specific office account per scheme
• During pay out specific office account will be
debited and customer account will be credited
• Interest on these account has to be calculated
manually based on the table
• Handling of account movement to exceptional
schemes
– The account has to be transferred from current
scheme to exceptional scheme using the menu
“HACFR”
– The transfer has to be verified using the same
menu option
– MOF relaxation cases and court cases are also
handled under exceptional schemes
Topics
CPC Activities
Office
accounts
• O A basics
• O A pointing
• OA system
pointing
• Inter SOL
accounts
Customer
accounts
Account
maintenance
Stop payments
,
• account
attachments (
freeze )
• Lien
operations
Account maintenance
• Lien
– lien means placing an account on hold
– There are two types of lien – system lien and user lien
– Lien can be for partial or for entire balance in an account
• Freezing an account
– Freezing is imposing restriction on an account
– Frozen account does not allow any transaction
– Freezing can be only for debit , only for credit or for both
• Stop payment of cheque
– This is as per request of customer
– This requires verification
• Demonstration
Clearing operations – Outward
• Outward clearing : this is the process by which
the instruments are send to other FI and receive
the proceeds of the instruments to the customer
accounts of the DOP
– The process involves creation and maintenance of the
Zone . Various operations that can be performed are
•
•
•
•
•
Open an outward clearing zone - HMCLZOH
Suspend a zone
Revoke suspension
Inquire a zone
Regularise shadow balance
Clearing Operations – Outward
• Clearing Zone transaction
– Instruments are lodged only for the opened zone
– The user has the following options for entry of the
instruments
– Multiple instruments for a single credit
– Single instrument for a single credit
– Single instrument for multiple credit
Clearing operations
• Inward clearing :
– Process in which the PO receives various instruments from
other FI customers and debit the customer account to send the
proceeds to the presenter
– Finacle Process includes
•
•
•
•
•
•
Opening of Zone to enable the entry of instruments
Lodging of instruments in order to pass/reject them
Verify the zone
Run through the process of suspend , validate and post the zone
Close the zone
Inquiry and reports
• The amount of the instrument will be shown as carving
balance . This amount will not be available for withdrawal .
Clearing operations
• Other Processes – Inward clearing
– Revoke Suspension : when zone is suspended , the user
cannot add any instruments/records. To enable this
suspension of zone is to be revoked. Menu HMICZ with
function R
– Unlock zone : if for any reason during the inward clearing
processes , the system results in a fatal error , the process
gets terminated abnormally and the zone gets locked . To
resume the user has to invoke the menu HUNIZ and unlock
the zone .
• Inward zone should be closed on the same day .
Inward zone closure is a binding transaction for Day end
Operation
ECS Process
• Customer gives the mandate /ECS data to the PO
• PO updates the data to the core srver and create
flat file for sending it to NCC ( outward/inward)
• NCC process and send the data to respective
destination bank for processing
• Destination bank updates the transaction and
send back rejects to the originating PO through
NCC
ECS Mandates
• Outward – Type of Mandates
–
–
–
–
TD – outflow of interest , total outflow, principal outfow
Standing instructions
Loan payments
Interest warrant and dividentd warrant payment by
companies
– Utility bill payments
• Inward
– inward credit of interest / dividend /warrant etc
– Uility payment or any other debits from other banks
– Inflow of interest from other bank TD
ECS – Finacle Process
• Enable the facility for the customer
• Set up a mandate for the customer account
for outward transaction in ECS
• Run the required batch job through
centralised operation for creation of upload
/download data files for outward /inward
clearing . Perform data segregation if required
• Demo
Electronic Channels – Agent Portal
• In finacle CBS separate web portal is available for agents to
view and create transactions into the RD accounts for
which they have collected money
• Facilitates capturing the agent detail in agent master file by
creating DSA ID/ Agent ID
• Every DSA ID can be linked to different products like RD,
MIS, TD, NSC at the time of account opening
• Enables printing of agent details on the pass book of all
deposit accounts
• Facilitates maintenance and payment of commission to the
agents
• Generates the Register of commission paid to the agents
and TDS deducted
Agent Portal
• Creation of Agent Master ( DSA)
– HDSAMM to add an Agent Master
– Same menu for verification by the supervisor
• Linking of an agent record to an account
– Can be linked to deposit account at the time of account opening
– For existing account – modification is required
– Requires verification by Supervisor
• Agent transaction through e Banking & CBS
– Installment to RD account can be collected through the e Banking agent portal
– Reference number generated in e-Banking is used for remitting cash at post
office counter and update the customer account .
• Viewing the agent Details
–
Agent license number and name can be printed in all pass books of accounts
linked
– Commission, accounts canvassed by the agent and related transactions can be
viewed in core through DSA master maintenance
Agent Portal – Work Flow
Agent segregate the
cash, DOP cheques,
Non DOP cheques
generates a report.
Each type of
collection have a
reference number.
Agent logs in and
enters the RD
denominations
collected for the Day
Agent
Portal
System
Agent carry the
physical cash and
cheque along with his
report to the PO and
hand over to counter
PA
PO PA download the
data from agent
portal into Finacle
CBS , check data
against physical
instruments, submit
for verification
Finacle
CBS
• Application Security
– Preventive controls & SSO
PREVENTIVE CONTROLS
• Preventive controls are grouped into
– Institution level control parameters
– SOL level control parameters
– User level control parameters
– Mechanism of exceptions and exception handling
methods
– Referral infrastructure
– Product/scheme level business rules
Preventive Controls
Attributes
Description
Institution level / application
level control parameters
Institution level and SOL level parameter
definitions that control the business behavior in
terms of currency, cash limits, user limits etc
SOL level parameters
Parameters that governs the business rules in the
application at the level of service out let – PO
User level control
Employee file maintenance, User profile
maintenance, role profile maintenance, work class
etc are some of the control features at the user
level
Exceptions
Warning , exception and error are types of process
deviation control and related reporting are the key
exception handling mechanism in CBS Finacle
Product/ scheme level control
Product behaviour is decided by the rules that are
set up at the time of scheme definition in Finacle
SSO -
• SSO Single Sign On
– SSO framework enables application users of
Finacle suite of products ( Finacle Core and CRM)
to log in once and get authenticated to each
application for which the user has valid user ID
and access permissions. This also support browser
level integration of other applications
• Salient Features of SSO
–
–
–
–
–
–
Single login ID for multiple applications
SSO profile for users
Password policy configuration
Resource allocation to multiple application
User profile management
Togging across multiple application in a single SSO
login session
– Verification process for creation / modification
– Report generation – audit activities, user based and
role based reports
Application security
• Detective controls ( audit features)
– On screen views
– Printable reports
• Modules for which enquiries/ reports available
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Office account
Interest enquiry
Charges
Customer acounts
Cheque Books
Clearing
Loans
Depostis
Transactions
Audit features
• Office Accounts
– HIOT – inquire on transactions
– HIOGLT – Inquire on GL transactions
• Interest Enquiries
– HAITINQ- Account interest inquiry
– HAINTRPT – Account interest Report
• Charges
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HCCI – customer wise charges enqiry
HCHGIR – Charge Income enquiry
HPR – Print report
HISTR- Intersol transaction report
Audit features
• Customer inquiries and reports
HCUSEL – Customer selection
HACS- Account selection
HACSP – account selection and print
HACCBAL – components of account balance
HACCBALI – Account balance enquiry
HACLI – Account Ledger Enquiry
HABMR – Account Minimum Balance report
HACLPCA – Account Ledger Print
HCUACC- account of customer
ACUSUM – customer summary
Audit
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Cheque books
 HCHBIR – cheque book issue register
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Clearing
 HPICS – print inward clearing statement
 HMICZ- print inward clearing validation report
 HREJREP – clearing rejection report
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Loans
 HLOAPI – loans overdue position enquiry
 HCULA – loan accounts of the customer
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Deposits
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HACDET – account details
HGDET – general details
HRELACI-renewed account enquiry
HPLIST – pending installments list ( RD)
HCUMAT- customer account maturities
HCUTD- time deposit of the customer
Audit
• Transactions
HTI – Transaction enquiry
HFTI – Financial transaction enquiry report
HFTR – Financial transaction report
HTCPIAE - Teller cash position enquiry – employee
HTCPIAC – teller cash position enquiry – currency
HOCI – outward cheques enquiry
• Indiapost CBS on demand report
HFINRPT – covers all transaction , products and audit
report
EOD and BOD process in a PO
• EOD and BOD are operations in finacle CBS to
mark the logical end of the day for PO and mark
the beginning of next working day
– The PO will be able o simply proceed to next business
date and continue doing transaction as usual
– For PO , the business date is the business date of the
branch from where the transaction is originating ,
whereas for the channels the business date is the
business date of the data centre .
EOD/BOD process in a PO
• The events involved in SOL date change and
closure are
o Initiate SOL business date change operations _
HISCOD
o SOL change of Operating Date – HSCOD
o SOL closure batch job- HSOLCOP
o SOL closure of last day – HSCOLD
Inquiry on SOL Status in Finacle is initiated using
the menu Option HSSI