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Innovative software platform for modern banking CANOPUS WEBbank 2.0

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Innovative software platform for modern banking

CANOPUS WEBbank 2.0

Who we are ?

• Canopus Software is a software development company founded in 1992. We offer turnkey IT solutions for such customers as banks, financial companies, payment service providers, payment institutions and corporate treasuries

• For more than 20 years of work we successfully implemented more than 150 projects for clients all over the world (Russia, CIS, Europe, Asia)

• Our mission is to create a comfort IT infrastructure for our customers

What we do ? Based on the problems that our clients face, we offer a range of services :

IT solutions:

Software implementation

Integration with 3rd party providers

Related services (hosting, administration)

Assistance in registration of companies in different jurisdictions

Assistance in obtaining the necessary licenses, opening bank accounts

Consulting, assistance in development of business model

Professional services (accounting, hr)

Assistance in building relations with partners (internet acquiring, payment cards providers, professional associations)

Our clients:

• Offshore banks

• Payment systems

• Corporate treasuries(in-house banking)

• Payment Institutions

• FX providers

CANOPUS FS – universal platform for financial institution automation

CANOPUS FS

CANOPUS

Treasury

CANOPUS

WEBbank

CANOPUS

EpaySuite

• All our solutions based on universal platform CANOPUS FS.

• Platform Canopus FS™ is designed to fully automate the business processes of the modern financial institution in the STP mode (Straight Through Processing)

• CANOPUS WEBbank 2.0 – solution for modern international banks, which provides services to its customers using the latest technology.

Canopus WEBbank 2.0. Strong points.

• High adaptability to the requirements of a particular customer,

• Ability to quickly add new products / services without intervention of software developers

• Multi-currency accounting system in real time mode

• Support for all major international accounting standards and exchange of financial information, including: ISO8583, ISO20022, IAS30

• Open architecture

• Modern system of internal security and control

• Ability to automate all business processes in STP mode

• Multi-language

• Powerful built-in report generator

• User-friendly interface

• Modularity

Canopus WEBbank 2.0. Main functions:

Multicurrency accounting in the real-time mode

Business-processing STP automation

Calculation of tariffs

Interaction with banks and external payment systems

Reports generation

Control of limits

AML-compliance control

Automatic currency conversion

CANOPUS WEBbank 2.0 architecture

Accounts Entries

Clients Balances

Transaction engine

BP modelling

Documents Scenarios

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Tariffs Limits Rates

Reporting

Opening of accounts for private and corporate clients

• System provides a function of online registration of the clients on a company web-site

• Ability to easily add new fields and modify existing ones to meet specific requirements of a particular customer

• The registration and application process is performed strictly in accordance with the KYC requirements.

• For that purpose the system enables the mailing and storing of scanned documents in the system.

• The system supports the procedure for manual confirmation (activation) of the customer's account only after verification of the customer’s IDs .

Customer accounts top up

From external bank account

Via payment (debit and credit) card

Via money transfer systems

E-currency

Scratch card

The system provides various types of funding: All accounts are multicurrency by

default

CANOPUS WEBbank 2.0

Interaction with banks

• System provides both batch and online mode of data interchange with banks and external payment systems

• Standard exchange formats are supported:, FidaVista, SWIFT, MultiCash, etc;

• Online mode is available with EP-direct (EarthPort, UK), Norvik bank , some payment systems.

Data interchange subsystem

Payments

Intra system transfer

External bank wires

Invoice payment

Periodic payment (standing orders)

Own account top up

Commission is automatically calculated once the customer has filled in the payment form.

If the currency of payment is different from the currency of the account the system will automatically perform the conversion.

System handles the following types of payments:

Currency exchange

• Two main methods

• 1) Currency exchange on the customer’s request based on the agreed exchange rate;

• 2) exchange through an external provider(«active» exchange). Data exchange with an external provider can be done both in batch mode, and online mode (in case of respective API)

Brokerage accounts

• CANOPUS together with its partners have years of experience providing services for brokerage companies

• We can provide additional technical consultation and services in this field

What we suggest

• We can integrate our solution CANOPUS WEBbank with your existing brokarage system (SaxoBank)

• In addition to your existing solution we can assist in setting up and maintaining such trading platforms as

• UniTrader, http://unitrader.com/, developed by our partners

• MetaTrader, http://www.metaquotes.net/

Mobile payments.

• Simplified WEB.

• Solution adapted for smartphone based on web application:

– Statements

– Balances

– Internal and external transfers

– Currency conversion

• Native and cross-platform

applications for IOS/Android: – Account balances;

– Statements;

– Intra system transfers;

– Own accounts top-up;

– Conversion;

– Transfers based on predefined templates;

– Bill payments etc

• SMS banking:

– Transaction notifications;

– Balance enquiry;

– Intra accounts transfer;

– Intra system transfers;

Mobile application (OS Android version)

Login Home page Statement period Account balance Internal transfer

Money transfers.

• Intra-system transfers

• Transfers through external money transfer system

CANOPUS WEBbank 2.0

Cards issue

• Co-branded cards issue;

• Virtual cards issue;

• Own cards issue.

Cards handling module • Order and activation of cards;

• Cards top up;

• Card to card transfer;

• Return of funds to the current account;

• Card blocking.

Report generation module

• Standard report “Extended Balance Sheet”

• Customized report, using report-generation module

Security

• CANOPUS WEBbank complies with modern security requirements of financial information systems.

• The system incorporates a number of functions to prevent unauthorized access to data from the client interface, as well as protects the system from insider threats :

– Storage of the most critical pieces of information in encrypted form;

– Logging all the activity for both the client and the operator;

– Multi-factor authentication;

– Access control differentiation;

– A special monitoring system for abnormal activity of both the client and the operator;

– The use of secure protocols and encryption of traffic

Client authentication and authorization of transactions

• System supports several methods of transaction authorization and client authentication:

• Payment password;

• One-time password card (scratch card);

• Pin code generator (digipass);

• One-time sms password.

• End customer can choose the authentication method by himself.

Internal mail. Chat

• CANOPUS WEBbank has a system of internal mail and online chat, through which customers can communicate directly with the staff within the system:

– Send and receive text messages;

– Send and receive attached files

– Communicate in real time

Internal AML control system

• Checks against various black lists (OFAC, UK, EU etc);

• Limit control, automatic generation and processing of declarations of origin of funds in the event of exceeding the specified limit;

• Control of abnormal activity that does not match the profile of the client

• Built-in notification system;

• Support of KYC-control and identification (verification) of the client;

• Setting of limits and available products based on client profile and level of verification.

Our advantages:

• Flexible pricing policy and payment methods

• The optimum combination of functionality, reliability and cost;

• The scalability of the system. The possibility of a rapid launch of the new financial products / services;

• Customization and configuration of the system in accordance with the requirements of the customer

• High performance and reliability (up to 1000 transactions per second.)

• Low cost of ownership;

• Ready gateways with a number of providers of payment and financial services, the possibility of rapid integration of new service providers.

How we work:

• 1) Project study: business process description, data structure description, tariff’s structure description, limits description, etc.

• 2) Meta-data and handbooks creation;

• 3) Business process definition;

• 4) Handbooks definition;

• 5) Tariffs and limits adjustment;

• 6) Customization of gateways for Interaction with correspondent banks and external payment systems;

• 7) User profiles and access rights definition;

• 8) Customer interface layout and menu structure adjustment

• 9) Integration testing, all business process emulation;

• 10) Dry run

• 11) System go live

New meta-document creation:

• Definition of the set of fields and field types;

• Handbooks creation;

• Creation of linked fields;

• Adding of meta-document to the system menu;

• Definition of the field labels for operator and customer

Business-process scenarios creation

• All transactions in the system are processed in accordance with business-process scripts;

• business processes are created and edited using a special graphical tool;

• Each document has statuses (large squares in the diagram) that change in strict accordance with the BP’s script;

• Operator can push document from one status to another accordance with his permissions and BP’s script.

Adjustment of workflow to move documents from one status to another

• You can to modify workflow inside using method palette, including:

Entries creation;

Tariff calculation;

Currency exchange;

Black lists checking;

Limits checking;

Related document creation;

Sending of notification to customer or staff;

Report production (PDF, CSV, etc);

New client or account creation;

Introduction of custom SQL-code

Tariff calculation rule definition

• You can create various tariff categories and tariff rules for calculation of tariffs for each type of transaction in the real-time mode

• Tariff rules can depend on the set of parameters: currency, amount, date, priority, etc.

• You can specify minimum and maximum amount of the tariff, percent or fixed amount for the particular tariff.

Handbook adjustment

• Correspondent accounts handbook;

• Chart of accounts

• Currencies and currency rates handbooks, etc.

User profiles and permissions definition

• WEBbank supports role-based permissions model;

• For each role you can create own profile with available set of modules, accounts, operations, etc.;

• All users are linked to a particular profile.

Workplace of operator. Outgoing wire transfers module.

• Operator process all transactions in one place. He can see balances by all correspondent accounts on the right side of the screen

• He can modify transaction only if it is permitted by the relevant settings in the user profile and document script

Client’s WEB-interface

Thank you for your attention !

Russia,

Moscow

6 Serebrykova proezd

+7 495 984-96-82

www.canopuslab.ru

CANOPUS Innovative Technologies

Andrey Chukhlantsev Managing Partner «Innovative Business Solutions" 10613, Estonia, Tallinn, Madara 33 GSM.Moskow: +7 903 977 24 21 [email protected] Skype: andrey.naumobile