to manage a credit institution, an effective automated banking system (ABS).It is engaged in the development of domestic and foreign experts.The quality of the system depends on the speed of information processing and customer notification of the completion of transactions.That it displays a message of the type "Adopted ABS" (Sberbank).What do you mean, you will learn from this article.
structure
ABS consists of a kernel and modules.Their number depends on the needs of the bank in the data processing.The main requirements that apply to the system - a reliable information protection, operational data collection, the ability to make quick decisions.
key element of the system is the unit of cash management services.It contains all the ongoing charges and assigns them the status of "Accepted ABS", "Rejected", "Delivered" and so on. D. On the basis of these data, then generates reports and transmitted to check with the Central Bank.For each operation unit is purchased.All of them can be made by different manufacturers, but must be subordinated to a single ABS.
Implementation
Some domestic banks operating in the brakes of its own design.It can afford only large organizations with a large staff of IT-specialists and a large sum of investment.The payback period of such systems is 1,5-2 years.In such a solution has drawbacks.Firstly, poor quality elaborations, which are not track changing conditions in the future.Secondly, in such ABS Accounting and practically integrated into individual program.Third, the process of creating can be very prolonged, if on the same project will run several specialists.On the other hand, are completely automated banking technologies are exclusive and are prepared under the same organization.
Many believe that it is better to buy a ready-made software, and then adjust it to the peculiarities of the system.Development of Russian specialists can be purchased for 15 thousand. Dollars, foreign - ten times more expensive.
system "Client-Bank»
striking example of the functioning of the ABS is a "My Account" users on the site of a credit institution.All processes, starting with login and ending with viewing history, carried out in close cooperation with ABS.Consider the example of the process of sending a payment order in the system of "Sberbank-line."
Formation document
First we need to create a payment order, by entering into it all the details of the beneficiary.Automatic banking technologies are designed in such a way that each stage of the formation of the document is given a unique status:
1. «Error Control" - formed by the step of storing the document failed validation for all the fields.
2. «Imported" - a payment order has been transferred from the accounting program.
3. «Create" - the document was successfully formed in the "Client-Bank".
is necessary to allocate the payment order.In the top menu column activated additional buttons.Among them are required to choose "Text."If you have formed several payment orders before their implementation should clarify details.Pre-checking of documents frees users from making mistakes.Cancel payment after he sent in the execution very difficult.But if the operation and passes the money to be returned within three days.
Transmission processing
After you create the document must be assigned an electronic signature of the authorized persons.At this stage it is necessary to enter the password in CMC.The system "Client-Bank" sets the payment status of the "Subscribe".Now you can send the payment order to the bank.For this purpose, a special button on the toolbar.Next, the application is assigned to the intermediate status "Added".This means that checks the documents.Upon its completion, the payment shall be deemed accepted and sent for processing.The application can be canceled until the document is given the status "Passed ABS" (Sberbank).What does it mean?Documents deleted from the queue to hold.The money from the account will not be charged.After the settlement document is assigned the status "Executed".
additional status
Documents may be on these stages of processing:
- «Delivered" - a document sent to the bank and is in the process undergoing the inspection.This process, according to internal regulations, can take a whole working day.
- «adopted" - a payment order has passed all testing and sent to the discharge in the ABS.
- «Suspended" on the review team.Such a document can be revoked or adopted ABS (Sberbank).What does it mean?Application re-assigned to the same status, which was interrupted treatment.
- «Unloaded" - aims to further the passage of inspection.
- «Adopted ABS Sberbank".What does it mean?The document is at the last stage of processing.
- «Card file number 2" - on account of a customer not enough money for the operation.
final status
- «Delete from the number of active documents."
- «TSA infidels" - the document has not been signed by the bank.
- «error details."
- «Executed" - funds transferred to the account of the recipient.
new version of the mobile application
detail to track the status of payment orders obtained only through the "My Account" on the website or via the "Client-Bank".Through mobile applications you can create and view the history of executed orders.For individuals in this service provides other interesting features.
in March 2015 launched a new version of "Sberbank-line" for owners of Android.Among the main innovations worth noting built anti-virus that checks not only the application, but also the smart phone.If threats are detected the program will not start.Through the application you can perform all required operations, ranging from paying utilities services and recharge mobile phone, ending the transfer of funds to another account in the territory of the Russian Federation.This is a real "bank in the palm."
application still runs after you enter the unique five-digit code.Improved user interface allows you to pay taxes and fees in a single click.Through the program, you can learn about the presence of fines in the traffic police.You only need to enter the driver's license number.If any, then right through the smartphone they can repay.
Another important innovation.The program automatically analyzes the operating system version on your smartphone.If the official firmware installed, the application will be regularly updated, constantly expanding the range of instruments used.But if the gadget is installed on a modified operating system or the user has root-access, the service will operate in lightweight mode without upgrades and improvements.
Conclusion
payments, which passes through the Savings Bank, at every stage of existence is assigned a particular status.By its name, you can determine at what stage is the process of transferring funds, whether there are any errors.Payment order to create, sign and then send for processing.Upon successful completion of these processes, the document is sent for execution.That's what "adopted by the ABS."
