CFT Bank Self-Service Platform

The "self-service banking platform" allows you to send and control transfers for all channels: mobile bank, BBO, operator, ATMs and choose the bank system for receiving transfers - a processing center or back office, in which information about the accounts of individuals is kept, that is, immediately to the customer's account.

2020: Connection of more than 30 banks

CFT continues to implement a large-scale project to connect banks SBP to the cloudy Platform "" (Golden Crown certified Third Party Processor for members of the SBP). As of July 2020, more than 30 banks were connected to the SBP for c2c payments using a set of CFT solutions, and about 25 more banks are in the process of connecting. The c2b payment scenario has been implemented and is working, and QR code banks have already begun to connect to the payment service in favor of -service torgovo enterprises within the framework of the SBP.

The Golden Crown Cloud Platform for connecting banks to SBP is a proven processor that provides services to both banks and agents of trading and service enterprises, provides a full cycle of technological interaction with the SBP operational payment clearing center (CCP SBP), and takes into account the requirements and capabilities of a specific partner, its IT infrastructure - says Andrey Koronadochy, technical director. - As part of the standard connection, we provide banks with all the applications necessary for integration with any ABS, BBO systems and processes. We implement turnkey implementation together with banks and provide our partners with the development of service in terms of functionality. We have already developed all the technological chains for sending and receiving payments that are being implemented as part of the SBP for July 2020, including the QR-code payment scenario c2b.

The first industrial transactions c2b under the QR code in the SBP based on the CFT decision were carried out by Vesta Investment Bank.

{{quote 'In our business, we focus on everything new that is happening in the financial market, monitor its trends, regulator initiatives, and look for the most relevant ideas, "comments Viktor Zhidkov, Chairman of the Management Board of Vesta. - We are actively working on the application of the Express Checkout System, and we offer our customers various options for its use - both p2c and p2c payments. }}

Collaborating with us, the bank implements a quick connection to the SBP and minimizes its costs through the model, SaaS said Victoria Smolenskaya, director of the Banking Self-Service Platform, Golden Crown service. - In addition, the bank receives guaranteed support with ready-made procedures and regulations that meet the current market requirements.

2019

Testing of interaction with the CSCP of the Bank of Russia Express Payment System

The interaction tests (IT) of the hardware and software system (HSS) of the Platform of Bank Self-service service provided by "Golden Corona" from AO of the National Payment Card System which is operational payment and clearing center (OPKC) of the System fast a platezheybanka of Russia are complete. This was reported on July 8, 2019 in the Golden Crown.

TSIs were carried out on the basis of the relevant technological regulations of the NSPK, their results confirm the compliance of the Golden Crown PAK with the requirements of the NSPK for the PAK in terms of interaction with the RPCC SBP. Participants in the financial market can use a tested solution to connect to the SDB industrial environment through cloud a provider.

The Banking Self-Service Platform service provides support for sending transfers from 2c, me2me from the bank's client fronts and receiving transfers addressed to bank customers from 2c, me2me to reflect them on customer accounts.

The platform allows credit organizations to register a bank in the SBP for their customers as a "default bank" for receiving transfers addressed to these customers, supports reconciliation mechanisms. The use of cloud technologies significantly reduces the time and cost of launching SBP in banks.

In the near future, the Golden Crown specialists in accordance with the technological bulletins of NSPK JSC plan to test changes in information interaction that make it more convenient to send a translation (work with templates, change the amount of the transfer, etc.). In addition, it is planned to support the full cycle of c2b operations.

The Golden Crown participates in the SBP project from the concept development stage, including prototyping and pilot testing of the system. As of July 2019, two partners of the Golden Crown are working in industrial operation with SBP - Sovcombank PJSC and Payment Center RNKO, a significant number of banks are in the process of connecting.

Technological solution for connecting banks to SBP from the Golden Crown

On February 13, 2019, the Golden Crown presented to financial market participants a technological solution for connecting banks to the Fast Payment System (SBP).

As noted in the company, the Golden Crown has been involved in the process of forming the SBP since the very beginning of the project, including the development of the concept and the creation of a prototype. The interaction of partner banks with the SBP is carried out through the Golden Crown software and hardware complex "Banking Self-Service Platform."

The cloud service "Banking Self-Service Platform" is deployed on the basis of the operational clearing house of the payment system "Golden Crown," which has 25 years of experience in processing, routing and processing banking operations, incident management, monitoring information security and ensuring business continuity.

Collaborating with the Golden Crown, the bank implements a quick connection to the SBP and minimizes its costs: it does not purchase additional servers, excludes the cost of buying software, since our solution is used in SaaS mode. In addition, the bank saves on maintenance, since it receives guaranteed support with ready-made procedures and regulations that meet the current requirements of the SBP. The bank will also timely receive and certify new products and promptly use all changes in SBP standards, "said Victoria Smolenskaya, head of the Banking Self-Service Platform Directorate.

The decision of the Golden Crown for the bank to work with the SBP can be implemented both on the principles of SaaS and in-house and will allow the credit institution to connect to the Quick Payment System in a short time - within 1.5-2 months.

Pilot operation in industrial environment of SBP

Golden Crown"" provided technological support to PJSC Sovcombank"" RNKO "Payment Center" and (LLC) when connecting to (Express Checkout SBP). As part of a pilot project to Bank of Russia launch the Golden Crown Rapid Payment System, the Banking Self-Service Platform software and hardware complex was successfully pilot operated in the SBP industrial environment TAdviser , the Civil Code reported on February 8, 2019. CFT

During the testing, the information interaction of the PAK Service "Banking Self-Service Platform" with the NSPK, which is the operational payment clearing house of the SBP, was debugged. After the test procedure was completed, credit institutions joined the SBP and began working in the system in industrial operation.

The interaction of banks with SBP is carried out through the PAK Service "Banking Self-Service Platform" (platform), which provides support for sending transfers c2c, me2me from client fronts of the bank and receiving transfers c2c, me2me addressed to bank clients to reflect them on customer accounts in the bank's ABS and/or on customer card accounts in the bank's processing center.

As explained in the CFT, the platform allows credit organizations to register a bank in the SBP for their customers as a "default bank" for receiving transfers addressed to these customers, receive and use reconciliation mechanisms for completed transfers based on clearinghouse clearinghouse data of the SBP and the Platform. The use of cloud technologies significantly reduces the launch time of SBP in banks, say the company.

2018

125 partner banks of the service

As of March 2018, 125 banks are partners of the Bank Self-Service Platform service.

The service "Banking Self-Service Platform" concentrated in itself more than 20 years of experience in automation of front-office solutions of banks, accumulated by specialists of the CFT Group of Companies.

The main activity of the service is the comprehensive automation of the infrastructure management of financial and credit organizations with their own processing centers and large networks of self-service devices.

CFT summed up the results of pilot operation of chatbot monitoring of bank self-service networks

The Center for Financial Technologies within the framework of the Banking Self-Service Platform Service summed up in March 2018 the results of the experimental operation of the solution for operational mobile monitoring by the bank of its ATM and terminal infrastructure.

The solution is implemented in the form Chat Bots and allows you to provide access to up-to-date information about the operation of self-service devices from client devices through the interface. messenger Telegram This implementation allows you to ensure versatility and quick connection of the solution, since the Telegram service is available for all popular mobile and desktop platforms.

The chatbot monitoring service provides real-time information on all self-service devices (CD), including devices with errors. In case of software malfunctions or warnings on the part of the equipment, a list of incidents on this CD is displayed: no communication, no operations for a long time, cash has run out, safe is open, little\no paper in the printer, etc. The chatbot functionality also allows you to monitor the state of self-service devices, grouped, for example, according to the territorial principle.

Based on the results of pilot operation by the banks of this solution, the service will acquire new capabilities, and soon visual indicators of the device status will become available, graphical marking of incidents using emoji symbols, displaying summary information throughout the bank's network on one screen, notifying the user about various events in the device network, as well as device management through the chat-bot interface.

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