User group meeting – Poland 2012 MultiCash News / Roadmap
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Omikron Product Portfolio
Classic Corporate Electronic Banking • MultiCash • MultiCash WebEdition
Internet Banking Products Consultancy
• MultiCash@SmartOffice • MultiCash Portal
e-banking solutions
Service
Payment Factory Solutions • MultiCash Transfer • UbiqCash
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
MultiCash in the Product Portfolio
Classic Corporate Electronic Banking MultiCash
“classic“ corporate e-banking suite
MultiCash WebEdition
pure browser application, mobile -enabled
EB
Current Footprint - 17 languages - 40+ modules - still growing (payments, trade, other …) - approx. 300 banks (stable) across Europe and China
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
MultiCash Today
“Multiple, local“ approach − Number of country adaptations increasing − Constantly updated to remain compliant with local changes − User Groups, working groups, Steering Committees contribute to change process
Popular with end-users − Priorities different from banks (integration, automation, multibanking …) − Many changes/enhancments driven by corporates, corporate communities
Increasing focus on Large Corporates − Large data volumes − Application functionality − Security / Audit
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
MultiCash WebEdition
Accounting Integration
Cash Management
Payments
MultiCash Bank Server MCFT
Interfaces
MultiCash and ….China
Special Characteristics
Payments
WebEdition is preferred Real-time services are expected Cash Management tools are in the foreground
Full support for CNAPS Clearing formats Order types ─ Credit Transfer ─ Direct Debit ─ Bulk Direct Debit
International Orders ─ SWIFT MT101 format ─ Reporting interface planned (2011)
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
USER1
欢迎您使用广发银行 MultiCash现金管理系统
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Erfahrung und Innovation Thema
Slogan (optional)
© 2010 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Multibanking in China – Pilot Project
Corporate
Service Centre
Banks
BOC
The “Big Four“
ICBC
MultiCash WebEdition MCFT Secure Communication
MultiCash Bank Server
BP Interface
Acccount Information
CCB
Mid-size and ABC
Regional Banks
Payments • China CITIC Bank • China Everbright Bank • HuaXia Bank Other : • Joint-Stock Banks • Regional Banks • Urban Banks
BP – Enterprise Banking Platform (adapter) © 2012 Omikron Systemhaus GmbH & Co. KG
Current Status : • 25 Banks connected • verified by Omikron www.omikron.de
MultiCash Payment Factory with China
MultiCash Bank Servers
European / International Banks
MCFT MultiCash WebEdition
EBICS, SWIFT...
Other Bank Servers
MultiCash Transfer
MCFT
MultiCash Bank Servers
Chinese Banks MultiCash Bank Server
BP Interface
BP – Enterprise Banking Platform (adapter) © 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
....and now back to business ...
xie-xie
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
User group meeting – Poland 2012 MultiCash „classic“ – New Developments Version 3.22
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
MultiCash 3.22: Approvals in File Manager
Separates internal workflows from bank authorization
Configuration options : none, one, two approvals
Signature before or after approval
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
MultiCash 3.22: History in File Manager
Unlimited archiving of all incoming / outgoing data
Configuration options : global, annual, half-yearly, quarterly, monthly
Simple selection of files from File Manager
All standard functions and data profiles unchanged
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
MultiCash 3.22: Account Information Statement import: control separately per account… … for large volumes of transactions
− − −
Complete (default): all transactions as to date Not imported: no account information imported Aggregated Import : One Credit/Debit transaction per value-date… − … Cash Pool transfers are not aggregated
Extended Data Model … Accounts :
65.500 (up to version 3.22.003: 9.999)
Statements per month:
99.999
Transactions per statement:
2 billion (up to version 3.22.005: 65.500 )
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
MultiCash 3.22: Statement / Transaction History
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
MultiCash 3.22: New Modules / Enhancements Module Organisational Units … … Authorization concepts for different corporate divisions or group companies Module Statistics … … collects number of transactions and amount totals on monthly basis Inhouse Bank interface (SAP IDOC) … … Format-Subsystem, manual payments, CSV-IDOC conversion Signature module PKCS#11 … … supports new tokens, e.g. for France Keynectis and SWIFT 3SKey SEPA allround package … … Format validation, Data migration, Payment conversion, Mandate administration EBICS module France … … transparent support of French operating modes T or TS Module Bill Presentment and Payment (Invoice Service) … … Administration of incoming / outgoing invoices with payment generation © 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
SEPA – Important aspects at a glance
Objective is one Europe-wide payments area for transactions in Euro
From 01.02.2014 mandatory use of SEPA instruments Europe-wide as well as decommissioning of national payment formats
Account details presented as IBAN and BIC instead of account/bank code
Use of ISO 20022 XML formats for „European domestic payments“
Payment details : up to 140 characters
Direct Debits... … Legitimation of direct debit via paper mandate, subject to strict rules − Each direct debit must include a mandate reference and creditor ID − Information obligation in form of a pre-notificaton incl. amount, due date, mandate reference and creditor ID − Lead time of up to 5 days
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
SEPA – Challenges of Migration
Is one payment module for all Europe possible ?
Can I continue to use my recurring details ?
What happens if I have not migrated all systems to SEPA by 01.02.2014 ?
I do direct debits and have now to handle mandates. How can I manage them in future efficiently and comply with the organizational regulations ?
How can I ensure that the payment files delivered by my internal systems are correct ?
What must I consider if the the information provided by my banks is also generated in XML format ?
What about payments in other currencies or from / to banks outside the Euro zone ?
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
SEPA – Payment Module Currently supported in the MultiCash Platforms : General −
MultiCash
−
UNIFI 2006 and 2009
Germany −
DK (ZKA)
−
Container Solution (private banks)
Belgium (UNIFI with defined special contents) Austria (STUZZA-Format) Switzerland Czech Republic Poland Slovakia
Others as and when required © 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Accounting
SEPA File Checker
SEPA Credit Transfer SEPA Direct Debit (Core) SEPA Direct Debit (B“B)
Syntax / Schema Match
XML-Schema Known XML-Schema ? • UNIFI standard • National variant
With error indicator : • Container level • Message header • Batch level • Transaction level
• General structure • Sequence of elements • Mandatory fields • Syntax of fields
On-Screen Display
Check Log
Syntactical Rules • Character set • IBAN check digit • Check digit of Creditor-IDs
Functions : • Search • Print • PDF Report
Enter to File Manager (with signature)
MultiCash / MultiCash Transfer © 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
SEPA – Migration Tool Goal : Import of data from local payment modules Payment orders (single order, standing order, template) Banks, Ordering Parties, Accounts Partners Conversion Bank code/Account number BIC/IBAN Option 1: external with IBAN-“Output“-/IBAN-“Input“-file Option 2: internal mit “Omikron IBAN-Finder“ … … detect special cases ! Status: available for German domestic/foreign payment modules … … others possible on request
MultiCash Local Payment Module © 2012 Omikron Systemhaus GmbH & Co. KG
Import Data
SEPA Module www.omikron.de
SEPA – Migration / Conversion : IBAN-Finder Functions Conversion IBAN-“Output“- IBAN-“Input“-file Integration in Application Automatic update bank code table for BIC (currently AT, CH, DE) Automatic update of library for special cases (currently DE) Status: available for Germany, Austria, Switzerland … … all known special cases implemented, will be udpated as required … other countries can be realized on request
MultiCash Bank Code Table
Bundesbank Austrian NB Swiss NB ..
IBAN-Finder Special Cases
© 2012 Omikron Systemhaus GmbH & Co. KG
Omikron
www.omikron.de
SEPA – Converter On the basis of existing components … … Standard DTA-SEPA Converters realized as add-on module for MultiCash DTAUS-Transfer SEPA DTAUS-Direct Debit SEPA … … Mandate data in defined details fields … … provided from mandate administration
DTAZV-Transfer SEPA (planned) Austrian EDIFACT SEPA (planned)
MultiCash ERPSystems
DTAUS ATI
© 2012 Omikron Systemhaus GmbH & Co. KG
SEPA Converter
SEPA
Banks
www.omikron.de
Mandate Administration Mandate… … unequivocal identification of the contracting party and the agreement: Creditor ID MandateID Date of signature Cycle (OOFF, FRST, RCUR, LAST) Mandate administration … … simply integrated into the payment module … saves mandate information … adds mandate information for payment … supports mandate changes and transfers amendment information to payment
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Mandate Administration
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Mandate Admin Plus (1) Enhancement of the Standard Mandate Administration (divided into projects) Target group: Medium-sized businesses which administer mandates in MultiCash MandateID, Description, BIC/IBAN, List of internal IDs (e. g. contract numbers) Import/Export of mandate data from CSV files Import of mandate data from DTAUS files Print of mandate data to printer or in PDF format Mandate forms Entry of incomplete mandate data as basis for the printout of mandate forms Configurable form templates separated by direct debit type CORE/B2B and language (default German, English) Printout of the correct mandate form depending on the chosen drawee (language) and mandate type to printer or in PDF format Start of the Standard Mail program with predefined content (configurable text) for form transfer (for Core module systems with E-Mail-Interface automatic transfer as serial mail) Addition and check on completeness of the mandate after receipt of the signature
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Mandate Admin Plus (2) Administration of dematerialised mandate forms − Import of any display formats (as a rule PDF) for each mandate entry − Start of the standard display program for the relevant display format from the program dialog − Export of saved display files Mandate history − Version administration for the mandates − Storage of an optionally large number of mandate versions in a history table (including display file of the signed mandate form) − Display, print and export of mandate history
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Mandate Admin Plus (3) Status Monitoring Advance notices/Cycles/Validity − Supervision of periods for mandates pending advance notices/expiry − Signalling of due advance notices/expiry in the information manager of the Core module system − Creation of a list with due advance notices/expiry data − CSV-Export of due advance notices/expiry data − Start of standard mail program with predefined content (configurable text) for each due advance notice (for Core module systems with E-Mail-Interface automatic transfer as serial mail) − Printout of a letter (configurable text) for each due advance notice
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Mandate Admin Plus (4) Functional interfaces − Add mandate information for direct debit order − Add mandate amendment information for direct debit order checking the timely remittance with correct mandate cycle according to the rules for CORE and B2B direct debits − Prompt and add direct debit status (validity, cycle) for direct debit order and status adaptation − Reset direct debit status (e. g. from Payment Status Report) − Add amendment information for direct debit order Interfaces for the following modules − SEPA Payment module − Standard SEPA Converter − UbiqCash Converter platform
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Side Topic : XML - ISO 20022 – Payment module Requirement: ...
Basic use of a flexible XML structure for payment orders as for SEPA
...
But: Option for payments outside the SEPA area and / or with foreign currencies
...
An XML format for all banks: international, standardised, across all banks
Solution: ...
New Payment module on the basis of ISO 20022 with adaptations to the new requirements of banks and corporates
...
Basis: Specification of the Common Global Implementation Initiative (CGI) in the “XML ISO 20022 Version 03“
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Summary All in all, MultiCash platforms support: SEPA Payment module SEPA Enhanced mandate administration (Q3 2012) SEPA File checker SEPA Data migration IBAN-Finder (including bank code and SCT download / special cases download) SEPA Converter SEPA Returns/Rejects (pain.002) XML in MultiCash is beyond SEPA: XML-CAMT account information Converter CAMT-XML
-> UMSATZ.TXT / AUSZUG.TXT
XML-CGI Payment module (Common Global Implementation) © 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
SEPA – Overview of Solution Package
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Side Topic: EBICS France (1)
Germany Payment authorisation
France
One profile, authorisation case by case:
Two general profiles:
Without ES:
EBICS T: without signature
attribute D (T) plus any signature or
attribute D (T) plus any signature
attribute O with signature class T With ES:
Session Type
Key certificates
EBICS TS: with ES
ES classes E, A, B
ES class E, 1-2 depending on amount limit
Distributed signature is standard
No Distributed signature supported
Classic session type handling by transaction type
Session type FUL/FDL: File Upload/Download
Restricted to standardised session types plus individual beginning with X, Y, Z
+ Attribute FileFormat according to SWIFT (individually enhanced by bank)
Not used
Certificates are mandatory EBICS T: all self signed EBICS TS: CA certificate on hardware token mandatory for payment authorisation. Several CAs supported, e.g. SWIFT
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Side Topic: EBICS France (2) Both FR-variants are supported by MultiCash … • Profile T: with Transport signature, authorization by cover note … … MultiCash: Module FR-EBICS … Bank Server: Module FR-EBICS • Profild TS: Transport, authorization by personal Signature … … MultiCash: Module FR-EBICS + EU-PKCS#11 + Signature-Token … Bank Server: Module FR-EBICS Signature Tokens with “CFONB-accreditated“ certificate • Keynectis • SWIFT 3SKey • Both are hardware signature tokens with PKCS#11-Interface via USB (= security class 1) MultiCash 3.22.008 can connect with most banks in France … … e.g. BNP-Paribas, Société Générale, CIC (all in production) … sometimes problems with interpretation of certificates … often non-standard FileFormat attributes to be supported
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Side Topic: Bill Presentment and Payment
Download incoming invoice and status … … store new invoices in database for processing … … Invoice issuer and invoice receiver … Invoice number and date … Invoice amount and payment terms … Status … store in sight format for checking and archiving … update status for existing invoices
Key or Import (CSV or XML) outgoing invoices… … store in database for processing … create sight format (PDF) … upload to server … download status
Generate payments in SEPA module … … Credit Transfer for incoming invoice … Direct Debit for outgoing invoice
Report new status back to server… … accepted, forwarded for payment … rejected
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Example : Overview and Details in Sight Format
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Check Invoices
Bill Presentment and Payment: Incoming Invoices
ERPsystems Export Invoice
MultiCash
Module Bill Presentment
Bank systems
Download Invoices
Invoice Service
Upload Status
SEPA Payment Module
File Creation
File Manager
Plan Data
Display
Plan. Data reconcil. © 2012 Omikron Systemhaus GmbH & Co. KG
File Manager
Signature
Import Bank Data
File Transfer
File Transfer
Payments
Statements
www.omikron.de
Invoice Entry
Bill Presentment and Payment: Outgoing Invoices
ERPsystems
MultiCash
Bank systems Upload Invoices
Invoice Import
Module Bill Presentment
Download Status
Invoice Service
Upload Status
Plan Data
Plan. Data reconcil.
© 2012 Omikron Systemhaus GmbH & Co. KG
Import Bank Data
File Transfer
Statements
www.omikron.de
User group meeting - Poland 2012 MultiCash „classic“ – New Developments Version 3.23
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
MultiCash 3.23: EBICS 2.5 - Overview Order number is set by bank server … … Client sends request without order number … Server sends order number back in response
Session type HAC instead of PTK … … XML-message pain.002 (PSR) Presentation in readable form Matching to order in File Manager (like PTK) … PTK still supported
For Bank Server : mandatory in Germany (and France?) from July 2012
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
XML Statements : General Information Transfer via XML-Container / ZIP-Container … … assumes : MCC and MCB 3.23 and EBICS 2.4 / MCFT4 Support for reference fields in database, screens, selections, reports and export files: − Transaction Reference / Batch Reference − End-to-End Reference − Mandate Reference − Creditor ID Accounts matched via bank code / account number from IBAN Filling the fields BIC/IBAN in account record Processing the camt messages like SWIFT-MT messages as − Balances / Statements / Transactions − Intra-day items / Advices Generating AUSZUG.TXT/UMSATZ.TXT Reconciliation of plan data Transfer pain message to SEPA module Add-on modules for MultiCash and Bank Server © 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
XML-Statements : Formats Supported
Message
Session Type
Content
Processing mode
camt.052
C52 (ZIP-Container)
Balance Report
Statement
Intra-day items
Intra-day items
camt.053
C53 (ZIP-Container)
Daily Statement
Statement
camt.054
C54 (ZIP-Container)
Batch booking files
- (only forwarding)
Debit advice / Credit advice
Advice
CRC (XML-Container) CRZ (ZIP-Container
Non-execution Credit Transfer
SEPA History
CBC (XML-Container) CDZ (ZIP-Container)
Direct Debit Reject
SEPA History
pain.002
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
MultiCash 3.23: CAMT-Statement in MultiCash
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
XML-Statements : Notes on Introduction MultiCash … … Realization as add-on module … Pre-condition : version 3.23 and EBICS 2.4/2.5 or MCFT4 … Actions in the customer system (if needed): Collection with new session type, e.g. C53 instead of STA Extension UMSATZ.TXT interface with new fields … Poss. merge accounts, if a new account record is created due to the IBAN from camt (i.e. if IBAN bank code / account number) Bank Server … … Add-on module for transfer of XML messages … … alternative: converter MT940-CAMT … Pre-condition : version 3.23 and EBICS 2.4 or MCFT4 … activate support of session types … … and distribute e.g. C53 instead of STA where required … if bank code / account number cannot be derived from IBAN … … enter alias-account and allocate to customer and users … Implementation of a new data transfer channel in the online interface or … … as individual files per statement with standardised file name … as pool file for all customers © 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
MultiCash 3.23: Other Enhancements Signature keys in database … … ease of use combined with secure storage HTML-Helps … … Adaptation to current system environment File Manager: “Eyecatcher“ instead of file name … … configurable : account number & name, reference, execution date Check for duplicate submissions … … checks and compares with all current and historical files User administration: Standard profiles are delivered … … makes it easier to configure and provides sample template SDS: Optimised setup and data exchange without internet browser MCFT 4 © 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
MCFT4: General Approach Change to current standards … … for transport and security (encryption, authentication, authorisation) Security audit certification Keep “old” MCFT advantages (and avoid EBICS disadvantages) … … flexible but standardised design independent from far-away specification boards … easy setup handling for bank staff and customers … qualified real-time acknowledgement including format and authorisation check … no manual entry of bank parameters … integrated messaging option ... integrated version management with seamless “protocol upgrade” … … including automatic switch to MCFT4 with minimal user interaction Remove “old” disadvantages, improve easy handling and advanced features … … remove: key change after each communication – AC27/29 problem … remove: complexity in communication options (TCP/IP transport only) … improve: exchange of bank parameter data … add: recovery … add: certificate support for digital signatures (optional addon-module) © 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
MCFT4: General Redesign Transport layer / low level protocol … … transparent TCP/IP communication (using configurable ports like today) … optional HTTPS tunnel (via standard port 443) … complete data stream processing with integrated recovery functionality
Encryption: AES256 … … secure Diffie-Hellman exchange of session keys before each communication ... … separated from authentication key in order to encrypt INI job, too … no storage of encryption keys -> no AC 29/27 problem, no backup problem Compression: ZIP method (like today) Logon / authentication … … logon with authentication signature (based on additional user-key A) … no communication password is send to bank Integrity: authentication signatures … … in begin and end of connection … plus MAC in each data block Payment authorisation (like today) … … with personal signatures (B-key, all old and current versions supported unchanged) Qualified acknowledgement (like today) © 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
MCFT4: Notes on daily work Initialisation Access data is sent as base-64-coded character string (by E-Mail) Cut-and-paste in entry field creates automatically BPD without data input First initialisation … … generation of A- and B-keys (authentication and bank signature) ... local access password for A-key replaces communication password … A-key is signed with B-key: only one key confirmation letter … Bank approves B-key, signature on A-key is checked and access activated Special functionality Multi-file download integrated for transport of XML data blocks Integrated version management between client- and server systems Integrated master data management … … new user data is downloaded and imported automatically, no BPD sending necessary
Integrated exchange of access class, organisational unit … … complete support of customer’s access rules for distributed or online signature
Conversion procedure from old MCFT to MCFT4 Protocol upgrade without configuration change (e.g. port) at client and bank sites MultiCash: Conversion assistant in client for generation and sending of new A-key signed by existing B-key -> immediate switch without confirmation letter Bank can open HTTPS channel at any time (with or without Omikron gateway) © 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
User group meeting – Poland 2012 Bank Server Today
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Bank Server: General
Objective : standard system … … As far as possible – product, customization where necessary … “conservative“ kernel … “progressive“ and flexible interfaces as required
Environments … … only Windows Server, no additional components … Cluster: Hot Standby Failover-Cluster (EMC2 und Microsoft) … Virtualization : VM-Ware ESX-Server
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Bank Server : Facts and Functions (1)
Databases … … Standard: ZBase32 … SQL optional: Oracle: Optimization phase with a major international bank Microsoft SQL: in production IBM DB2 in operation as project development
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Bank Server : Facts and Functions (2) EBICS-Performance Processing of large payment files … … Measurements of one bank, sending high-volume files … Investigation : how long does generation of customer report (PTK) take File Size
Payments
Omikron Time with Display
Competition Time without Display
1.5 KB
5
0 sec.
1 sec
600 KB
1,979
0 sec.
4 sec.
1.1 MB
3,506
1 sec.
5 sec.
340 MB
1,330,095
84 sec.
501 sec.
Notes : Communication times were not measured, a differences in bandwidth would make this information useless In comparison : Omikron measurement with IZV-file, 400,000 orders (25 MB): transmission (100 MBit) in approx. 3:10 minutes © 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Bank Server : Facts and Functions (3) EBICS 24-hour stress tests : Test environment : Processors/Memory:
Intel Dual Quad 8 x 3.166 GHz / 4 GByte RAM
Hard disks:
RAID 10 15.000 rpm, write cache with BBU
Network bandwidth:
100 MBit
System usage:
20 - 40 % (for test described)
Test data: DTAUS-files 1 – 1,000 orders (randomly generated) In addition, a file with 1,000,000 orders (256 MB) every 10 minutes
Files
Transactions
Bytes
127,431.0
173,970,831
44,569,154,560
5,309.6
7,248,784
1,857,048,106
Per minute (24 hours)
88.5
120,813
30,950,801
Per second (24 hours)
1.5
2,013
515,846
8,162.0
10,532,764
2,698,477,056
Per minute (1 hour max.)
136.0
175,546
44,974,618
Per second (1 hour max.)
2.3
2,926
749,577
Total (24 hours) Per hour (24 hours)
Total (1 hour max.)
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Bank Server : Facts and Functions (4)
Realtime Host-Interfaces … … Product components for integration in system kernal … Customization to required environment within project, e.g. Transaction data interface: − IBM WebSphere MQ: in production − Web-Service technology: in production
Static data interface: − Web-Service technology: in production
Administration … … Windows-Client … Terminal-Server / Citrix … optional web interface “Admin@Web“
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Add-On Module: Admin@Web
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Bank Server : Facts and Functions (5)
Logon to central systems: − −
LDAP/Domain-Controller: Windows user / password Central User Management Systeme … … User / Password via Web-Service … Token with Challenge/Response handling (e.g. Vasco)
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Bank Server : Facts and Functions (6)
Multi-Channel Platform “Classic“ Offline-Banking procedures … … in parallel MCFT, BCS-FTAM, BCS-FTP, EBICS … compatible signatures, distributed signatures
Online signatures with MultiCash@Sign … … Authorization im Browser-Dialog with − Electronic Signature − PIN/TAN, iTAN, mobile TAN − Token solutions: Challenge Response (Vasco, Todos etc.)
… Delivery with − classic EB-procedures − Upload via browser − Import from third-party systems (FTP, SWIFT etc.)
… Batch submission via IT centres, e.g. DATEV (MCV, DTV)
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Bank Server : Facts and Functions (7)
Internet Banking for corporates : MultiCash@Smartoffice −
Focus: payments / account reporting
−
Target : internationally active corporates and banks
−
Users in Europe - Africa - Asia
Basis standard product – Adaptation in project −
Fully modular design
−
Standard modules for many functional areas
−
Functions / Layout / “Customizing” are key aspects of any portal
−
Therefore : bank-specific layouts and settings
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Bank Server : Facts and Functions (8) MultiCash@SmartOffice: Available payment and language modules Austria
Romania
Bulgaria
Russia
Croatia
Switzerland
Czech Republic
Slovakia
France
Spain
Germany Hungary
SWIFT MT101
Kazakhstan
SWIFT MT103
Netherlands
SWIFT MT200
Morocco Poland
© 2012 Omikron Systemhaus GmbH & Co. KG
SEPA
www.omikron.de
Integration
File-Interfaces ... ... standard formats of payment orders and statements: − −
local payment format – routing by type, unit etc. SWFT MT940 – automatic distribution to customers´ mailboxes
Online-Host-Interfaces ... … for transaction exchange … ... real-time access to host while customer is on-line ... customized host connectors required
… for master data administration … … automatic creation of master data by host application ... customized host connectors required
Integration in Central User Management possible
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Bank Server : Summary
Central User Management
Mainframe Client
Server
Client
Transactions
Server
Client
Server
Server
Static Data
Server
Logon
Client
Client
SAN Omikron Communication Platform SQL
FTAM/FTP
EBICS
EBICS MultiCash EBICS Clients Clients
© 2012 Omikron Systemhaus GmbH & Co. KG
MCFT
BrowserEBICS EBICS Clients Clients Clients
Sign
Admin @Web
SmartOffice
BrowserEBICS EBICS Clients Clients Clients
www.omikron.de
User group meeting – Poland 2012 UbiqCash converter on bank server side
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
UBIQCash – Converter: Purpose Payment files (Files received from the customer) −
generally: Converts various formats (e.g. SWIFT, EDIFACT, SEPA) from various formats (e.g. country or container formats)
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Specifically in the SEPA context: Converts legacy country formats to SEPA XML files
Account information (files to be provided from bank to customer) −
Converts CAMT back to STA, DTI, etc.
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
UBIQCash – Converter: main principle
Country specific files
Backoffice
SEPA-Files
BankServer
Administration Converter
Parser
UbiqCash Parser
Converter
ConverterEngine
Files to be convertes
© 2012 Omikron Systemhaus GmbH & Co. KG
Other bank servers
SEPA or carrier format
www.omikron.de
UBIQCash – Converter in the SEPA context
Formatter are always kept on the latest status of format descriptions / schema definitions Formatter can be added in a modular way −
Additional schema definitions
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Additional countries
Flexible Routing of resulting files −
MultiCash Router with advanced capabilities
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MultiCash Transfer for the transport to other bank servers over the available communication protocols (MCFT, EBICS, etc.)
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
UBIQCash – Converter: Product features Flexibility / Performance, Scalability as major design principles Parallel conversion distributed on several processes Priorities can be attached to the converter jobs (e.g. depending on the session type) Converter jobs can be distributed to several servers Precise logging of the conversion process Exception Handling, if orders cannot be converted: complete rejection, or partial processing. Repair station optional Optional: Extended Processing Monitor (EPM) indicating the exact root cause of converting problems, exact matching between converter problem and reason in the source file Resume at commit points, for interrupted conversion jobs Multi unit capability © 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
UBIQCash – Converter: Challenges Conversion bank code/acc. no.-> BIC/IBAN −
IBAN-Finder (Omikron) or external conversion tool (using file interface)
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Checking with the well-known limitations (handling of the special cases)
For SEPA direct debits: additional mandate information required −
Adding mandate information to the legacy formats. The definitions need to be published and implemented by the customers. The definitions are limiting the filling of the details.
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Creation of a mandate database as service for the client?
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
User group meeting – Poland 2012 Bank Server – New Developments Version 3.22
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Bank Server 3.22: New Modules / Enhancements Module PDF-Statements … … Delivery of statements in sight format (MCFT or MultiCash@SmartOffice) Module EBICS France … … transparent support of the French operational modes T or TS Converter National SEPA-Format to UNIFI … … standardizing SEPA messages for Back-Office interfaces SEPA-SRZ-Module … … splitting SEPA-Container by service provider … automated allocation to account/customer (like MCV/DTV process) … entry to authorization queues according to usage rights … … distribute signature (EBICS, MCFT), online signature (MultiCash@Smartoffice), approval by cover note Module New Messaging … … Distribution of Messages
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Bank Server 3.22: New Messaging - Overview Distribution of Messages via EB communication channel … … encrypted and authenticated connection … reliable delivery via statement download Configurable HTML message in the Corporate Design of the bank
Simple operations for bank staff … … Screen to enter messages, with support for attachments … Communication via EB channel (MCFT, if required also for EBICS) or … … via normal e-mail … Simple selection of address data based on Bank Server data … … also by use of freely definable mailing lists … Different type of addressing : globally per customer, for all users of a customer, for certain users of a customer … Support of priority messages and validity period for message … History of sent messages, option to re-send
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Bank Server 3.22: New Messaging – Keying Messages
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Distributing Messages: Customer side
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
New Messaging – Notes for Introduction Bank Server … … Realised as add-on module … Available from version 3.22.009 … Actions to activate in the bank system : Installation add-on module Only for e-mail: – connection to e-mail Server – storage of e-mail addresses of users MultiCash … … Support in standard from version 3.22.008 … Actions to activate in customer system : none … Automatic display in ILM, in main window … Call of standard display program with double click for attachments … Enforced display of “priority messages” at logon
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
User group meeting – Poland 2012 Bank Server – New Developments Version 3.23
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
Bank Server 3.23: Other Enhancements / Add-on modules Support of MCFT 4 and EBICS 2.5 Workflow optimisation: “Processing Mode 3“ … … In-Tray procession integrated in communication process … Out-Tray processing integrated in scheduler Reduces complexity, by reducing number of processes Increases throughput by reducing response times Easily horizontally scalable … Out-Tray: new data model and delivery workflow … … customer mailbox files replaced by new database handling with realtime delivery … combination of current data, history data and SmartOffice download area reduced storage requirements, better access rule handling Limits for Direct Debits Add-on module MT940-CAMT Converter Extended First INI letter (printout or sent as PDF via e-mail) … … Letter with access data in bank‘s design and overview of access right profile … Response to submission of INI letters © 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
User group meeting – Poland 2012 MultiCash News / Roadmap
© 2012 Omikron Systemhaus GmbH & Co. KG
www.omikron.de
