CANOPUS Transmitting: Solution for Automatic Transfer Systems and MSBs

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CANOPUS Transmitting Solution for Automatic
Transfer Systems and MSBs
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CANOPUS Transmitting is a MacroBank-based
solution for transfer systems automation and MSBs

• Enables real time automation of a companys main
  workflows
  
• Supports multi-currency bank accounting and
  reporting systems in compliance with
  international standards and regulations
  
• Facilitates real time automatic calculation of
  tariffs, commissions and agent fees on all
  transactions
  
• Provides a developed functionality supporting
  AML compliance

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CANOPUS Transmitting enables operations with the
most popular financial products
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CANOPUS Transmitting

• Allows comprehensive workflow automation, from
  application for a new account, to remote client
  account servicing via Internet banking or SMS
  banking, in real time. Minimizes paperwork and
  probability of operator errors, improves
  transaction safety.

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System Structure
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Client fills an online application for account
opening on the companys website
The application form is generated according to t
he settings in the Application Editor module
Various application forms can be created for var
ious accounts and other banking products (loans,
deposits, etc.) and imported into the Internet
banking system
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Workflow Scheme of Account Opening for a Private
Client
The application for a new account comes to the
back office
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Register of Applications
An operator can view all applications or process
a selected application. If all the clients
documents are received and application approved,
the application moves on to the Documents are
ready status and awaits final approval for
account opening.
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Approval for Account Opening Application
After the approval, an authorized manager create
s a new client and the client account in the
client base.
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A new client is created and a personal account
opened
Clients personal account card
Client card
Initially, an account is blocked on debit.
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Client Keys Generation
A Remote User is created for the client to ena
ble them to use Internet banking a code card or
a payment password are generated for transaction
authorization.
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Waiting for Money to Arrive in the Client Account
When the keys are generated and sent to the clie
nt, the application moves on to the Waiting for
the Money status.
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Money Arrival in the Client Account fee charging
When money arrives in the client account, payment
fees are charged automatically (an incoming
payment fee and an account opening fee). After
that, the client account is unblocked.
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Client is granted access to the system and can
manage their account online
A client can view statements on all their accoun
ts, make payments, conversions, put money in the
deposit, order loans, etc.
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Interfacing with External Payment Systems and
Corresponding Banks

• The module enables a maximum automation of
  message exchange in SWIFT, SEPA and other formats
  when interacting with banks. It allows processing
  of incoming payments and bank statements,
  generate messages to be sent via a SWIFT terminal
  (SWIFT Alliance and others)

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Interfacing with External Systems
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Message Tree
List of messages to be sent
Incoming/outgoing message classifier is user-adj
ustable.
Informative part of a message distributed between
the corresponding fields
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Report Generator

• Large variety of pre-set reports balance
  reports, bank statements, turnover balance
  sheets, etc.
  
• Creation of any reports with FastReport a
  powerful system integrated tool
  
• Fast account grouping and generation of
  group-based reports with the Aggregates module
  
• Reports based on account classifier

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In-built Report Generator
A user can create any report and add it to the l
ist of available reports
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Aggregates Module
The module allows creating various groups of
accounts/sub-accounts (aggregates) to be
subsequently used in reports
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Tariffs and Fees

• Flexible setup of tariff schemes on different
  financial products and services for different
  client categories
  
• Individual tariffs for clients
• Flexible tariff rules depending on currency,
  transaction amount, etc.
  
• Agent fee calculation, sign-reversed tariff
  (bonus) calculation
  

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Tariff Rules Setup
Additional tariff conditions (rules) can be set
up, depending on amount, currency, etc.
A tariff can be calculated as percent amount or
fixed amount, can have maximum and minimum values
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Tariff Block Setup in the Workflow Scheme
and set parameters for tariff calculation.
A user can determine, where exactly in the docum
ent flow a tariff is calculated
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Internal mail. Mailings
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Internal Mail System
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Account Limit Control Module

• Setting account limits for different accounts and
  account groups in the breakdown of currencies
  
• Setting account limit calculation rules
• Setting specialized workflow blocks for
  validation of account limits on different
  transactions (documents)
  
• Flexible processing of situations when an account
  limit was exceeded
  
• Logging all situations involving account limit
  exceeding

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Account Limit Control Module
The form for account limit rules setup
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Account Limit Control Module
An example of setting account limit validation i
n the workflow scheme
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AML Module

• Support of payer/payee black lists and lists of
  prospective clients (OFAC, etc.)
  
• Setting rules for suspicious transaction defining
  and detection
  
• Client profile setup, collection and processing
  of client statistics, suspicious activity
  detection
  
• Collection and storage of necessary data on each
  client, according to the KYC principle

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Black Lists Module
The system supports several types of black lists
Result of search in a black list according to the
search line choice
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Cards Module

• Online application for card issuing, via Internet
  banking
  
• Full automation of a card lifecycle (issuing,
  re-issuing, locking, limit change, etc.)
  
• Interfacing with external processing systems
• Control over the state of card accounts in
  Internet banking system

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Cards Module
Here is a standard bank payment card lifecycle
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Cards Module Internet Banking
Register of clients bank cards currency, limit
s, type, current status
A client can send an online application for a ca
rd issuing, locking or activation, card limit
change
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CANOPUS Transmitting Concept

• This concept is based on maximum automation at
  every point of a payment company workflow
  relationships with prospective and current
  clients, banks, payment systems, processing
  companies, e-commerce institutions, etc.

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CANOPUS Transmitting
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CANOPUS Software Ltd.

• 25 1-st Pugachevskaya Str, Moscow, Russia.
• Phone number 7 (495) 9563468
• www.eng.canopus.ru
• www.macrobank4.com