ProgramBank.ABS (formerly Centaur Omega)

2023

RUTDF 5.0 support

ProgramBank.ABS supports RUTDF 5.0 format. This was announced by ProgramBank on September 19, 2023.

Bank of Russia Ordinance No. 6300-U, dated 24 October 2022, came into force on 1 April 2023 and amended Bank of Russia Regulation No. 758-P "On the Procedure for Credit History Formation." The regulator, taking into account the need for the sources of the formation of credit histories and the credit history bureaus themselves to carry out a set of measures related to the revision of their information systems, set a deadline for all work until September 30, 2023.

In accordance with the 3600-U of October 1, 2023, interaction with the BCH will take place exclusively using the updated format of data exchange RUTDF 5.0, which offers expanded capabilities for collecting information about borrowers and analyzing their solvency. RUTDF 5.0 allows you to accurately assess the accuracy of the transmitted information due to greater detail, which improves the quality of the scoring procedure, increasing the business performance of financial market participants.

Support for the RUTDF 5.0 format required a number of changes to the "ProgramBank.ABS BS" that were successfully implemented. As of September 2023, the testing procedure for this format by several clients of ProgramBank is ending.

Changes have also been made to the "ProgramBank. Front Office" - fields have been added to the client's card and application (the client's tax regime, the expiration date of the application, the purpose code of the requested loan, etc.). Thus, the loan agreement formed in the ABS on the basis of the application will already contain all the necessary information to fulfill the requirements of the 3600-U.

Support for changes to the Central Bank in the chart of accounts

On June 15, 2023, ProgramBank announced that it had ensured that its clients met the mandatory regulatory requirements of the Bank of Russia as part of changes in the position of the Central Bank N 809-P, which made changes to the chart of accounts.

On 23 March 2023, the Bank of Russia issued Ordinance N 6380-U on amending Bank of Russia Regulation No 809-P 'On the Chart of Accounts for Credit Institutions and the Procedure for its Application', dated 24 November 2022.

Most of the changes in the chart of accounts are related to the need to improve the accounting by credit institutions of digital financial assets (CFA), including utilitarian digital rights. The changes also affected accounts related to transactions with precious metals in physical form. In addition, adjustments were made in the list of balance sheet accounts for accounting for funds in special accounts of types "C" and "O."

Directive N 6380-U entered into force after the expiration of 10 days from the date of its official publication (from April 2023), with the exception of some provisions for which the regulator has set a different date: from January 1, 2024.

ProgramBank has finalized Appendices No. 4, 5, 6, 7, 8 and 9 in ProgramBank.ABS to fully support the requirements of Bank of Russia Ordinance No. 6380-U.

2022: Precious Metals and Ingots Module

"ProgramBank.ABS" has been replenished with the module "Precious Metals and Ingots." This was announced on December 28, 2022 by representatives of the ProgramBank company.

Precious Metals and Bullion allows the bank to expand its product range by providing its clients with new investment and risk mitigation opportunities.

The module integrates cash transactions, transactions with accounts of individuals and legal entities, mutual settlements with other banks and accounting for precious metals in the Repository.

Now the bank can offer the client:

• The whole range of transactions with metal accounts.
• Buy bullion and coins made of precious metals.
• Sell precious metal ingots to the jar.
• Transfer a precious metal ingot to the bank with the opening of an account for the same amount of metal, that is, actually convert a physical gold ingot into a "drag account. metal. "
• Purchase ingots made of precious metals and leave them for safekeeping in a bank.

This range of operations is easily extended (for example, add a "reverse conversion" of a metal account into an ingot). With the help of the presented product line, bank customers can more easily maneuver between various types of assets - deposits in rubles and currency, deposits made of precious metals and ingots.

At the end of December 2022, ProgramBank.ABS BS covers a wide range of financial transactions with precious metals. The entire range of operations on the stock exchange, interaction with world banks and exchanges, and the accounting of ingots in the Repository were automated.

2017: 550-P - capabilities of "ProgrammBank.ABS" to control "suspicious" counterparties

Financial control instruments provided to banks by Regulation No. 550-P dated July 20, 2016 were implemented. As you know, the Federal Law does 115-FZ provide for situations where the bank has the right to refuse to open an account or service to the client. For example, when, according to a combination of factors, there are suspicions of fictitious client (incomplete package of documents, low authorized capital, incorrect address of the executive body, etc.). In this case, the credit institution informs Rosfinmonitoring about the refusal to open an account or about the denial of service.

Previously, information about such refusals transmitted by banks remained only at the disposal of Rosfinmonitoring. Bank of Russia Regulation No. 550-P "On the Procedure for Informing Credit Institutions and Non-Bank Financial Institutions of Cases of Refusal to Comply with a Client's Order to Perform a Transaction, Refusal to Conclude a Bank Account (Deposit) Agreement and (or) Termination of a Bank Account (Deposit) Agreement with a Client" has changed this situation.

Now information about refusals to open an account for a client or his service will be available to the Bank of Russia, and he will bring it to all credit and non-bank financial institutions in the country. In fact, a single all-Russian list of "dubious clients" is being created, similar to lists of clients with poor credit history, which are accumulated in credit bureaus.

On April 26, the Bank of Russia posted templates and structures of those electronic documents provided for in Regulation No. 550-P, in which information about service failures will be transmitted to banks. And from June 26, 2017, this information will be transmitted to banks.

The Progr amBank.ABS BS solution implements special functionality for using this information:

• Maintaining a special reference book "Information on 550-P," where information on denial of service cases for all Russian banks will be consolidated.
• Preparation and updating of this reference book based on electronic documents received from the Bank of Russia.
• Analysis of coincidences between the general directory of bank counterparties and customers who received a denial of service in other banks.
• Search tools in the reference book.
• Formation of notifications to the Bank of Russia on successful or unsuccessful acceptance of received messages in accordance with the requirements of the Regulation.

In addition, the ProgramBank.ABS has the opportunity to provide the Bank of Russia with information on the presence of such "problem" clients among the bank's counterparties. Thanks to the capabilities, the bank's financial monitoring service will be able to better control the quality of its counterparties, and at any time will be informed about cases of refusal to serve its customers in other banks.

2016

Changes in the "Contributions" subsystem as part of ProgramBank.ABS BS "

On July 12, 2016, ProgramBank announced changes to the Deposits functional block.

In particular, the procedure for restoring the terms of contracts of individuals in the event of their refusal to early termination has been added. It is possible to calculate and reflect in accounting, in the closing date, interest added on early closed deposits. If the early closing of the deposit is canceled, the accrued interest calculation document is canceled.

To be able to withdraw funds by inheritance in the form of entering documents "Cash withdrawal from a term deposit (232)," "Cash withdrawal on demand (222)," "Closing a term deposit (239)" and "Closing a demand deposit (229)" added additional details "By will."

Providing the possibility of termination of the new deposit rate, an additional attribute of deposit agreements "Date of expiration of the new deposit rate" has been added.

In accordance with the requirements of Bank of Russia Ordinance No. 3875-U, dated 3 December 2015, "On Amending Bank of Russia Ordinance No. 2332-U, dated 12 November 2009," On the List, Forms and Procedure for Preparation and Submission of Credit Institutions Reporting Forms to the Central Bank of the Russian Federation "a new reporting form 0409119" Data on Maximum Interest Rates on Deposits of Individuals "was implemented to prepare statements on deposit transactions. Export of this form in CLICO format was implemented.

The Retail Front Office subsystem is included in ProgramBank.ABS BS "

On May 25, 2016, ProgramBank announced the inclusion of the Retail Front Office subsystem in ProgramBank.ABS BS.

ProgramBank.ABS BS users - employees of banks with a distributed structure - were able to work remotely in a single information space without installing specialized software at workplaces. The ProgramBank.ABS BS "web client supports the system in all popular Internet browsers.

The subsystem implements procedures for creating reminders and notifications for client managers and forming print layouts for various purposes for customers.

In ProgramBank.ABS BS "subsystem" Storage of copies of client documents "is included

On March 2, 2016, ProgramBank announced the creation of the Client Document Copy Storage subsystem in the ProgramBank.ABS solution. The subsystem is designed for centralized accounting of photocopies of documents of each client (document scan files, signature samples, power of attorney, etc.).

The files related to the specified customer are electronic documents of the ProgramBank.ABS corresponding to the hard copy documents. With the availability of electronic copies, it became possible to organize processes for identifying customers and authorizing their operations based on these documents, which significantly reduced the time of client service, especially for banks with a distributed structure.

Copies of documents, depending on the authentication procedures and rules adopted by the bank, may change their status from "Valid" to "Confirmed," "Invalid" or "Archived." In addition, a document containing a hard copy description of customer documents may, depending on the type and type of original document, contain additional attributes to more fully describe the files. So, for example, in the list of files "Contract" (of any type) it will be proposed to fill in additional attributes describing this contract: the start date of the contract, the contract number, etc.

It is possible to specify an automatic query of the list of mandatory document copy files (determined by the system settings in the context of customer categories) at the stage of establishing a new client or editing the data of an existing client. For example, it can be specified that in the system, when creating a new customer, an individual, it is necessary to attach a scan of a document certifying his identity, etc.

The actions on attachment files for the system user are controlled by the access settings. In particular, you can set access to Add, View, and/or Delete client files.

The client document copy accounting subsystem (client files) helps to organize work with client files as required by a specific bank.

Capabilities of "Plastic Cards" subsystem in ProgramBank.ABS BS "

The version of the Plastic Cards subsystem includes improvements that meet the requirements of Bank of Russia Regulation No. 446-P "On the Procedure for Determining Income, Expenses and Other Total Income of Credit Institutions."

Reporting capabilities have been implemented, namely, new directories and user menu sections have been created in form 250. This is done to determine whether the card/transaction belongs to a particular payment system.

Improvements have also been implemented to send data to the Credit History Bureau without obtaining consent from the client. In addition, in the form of entering the parameters of the exchange gateway with the Golden Crown payment system, encoding settings and masks of received files were added, as well as improvements were made to send data to the Credit Bureau without obtaining consent from the client.

Integration of the RKO ProgramBank.ABS BS "subsystem with the Interfax web service to obtain data from the EFRSB

In the spring 2016 version of the RKO subsystem of the ProgramBank.ABS, the following capabilities were implemented:

• The RKO subsystem is integrated with the Interfax CJSC web service, which allows you to receive data from the Unified Federal Register of Bankruptcy Information (EFRSB). In connection with the latest updates to the functionality of this service, the appropriate settings were made to support the new format of the downloaded data, and it also became possible, if there is no individual in the TIN system, to search for a client - an individual by name and date of birth (if such data are indicated in the register).
• In the "Authorization Setting" section, it is possible to open personal accounts when creating an unauthorized contract.
• In the " Customer Payments" function block:
• The control over the entry of tax details and the verification of budget payment data have been improved.
• Fixed check of CPP value.
• Additional financial monitoring improvements have been implemented.
• Changes have been made to the handling of Unified format of electronic banking messages messages according to version 2016.1.1.
• The function of declining the full name of an individual by case has appeared in the customer guide.
• In the integration unit "Transport systems" in the subsystem "Exchange with RCC," the procedure "Replenishment of the correspondent account" has been finalized.
• In the subsystem "Data exchange with AIS" TAX "by 365-P," it is possible to automatically generate a message to the Federal Tax Service that the client is bankrupt when accepting and processing a decision on suspension.

In addition, the RKO subsystem has changed in accordance with the following new requirements of the regulator:

• Changes to the Chart of Accounts were implemented in accordance with Bank of Russia Regulations No. 3503-U, No. 3623-U, No. 3826-U, No. 3863-U, No. 3865-U "On Amending 385-P."
• A converter of convolution accounts 707 * linked to accounts 706 * in the current branch was implemented, according to the requirements of 446-p.
• The mechanism of conversion operations has been finalized in connection with the entry into force on January 01, 2016. Provisions No. 446-P. The credit institution, when determining the symbols of income and expenses from conversion operations, must independently determine the main (base) currency in the bi-currency pair.

Basel reporting opportunities in ProgramBank.ABS BS

Supervision and regulation of banking activities are one of the main conditions and factors for ensuring financial stability. The Central Bank continues to improve banking regulation, introducing Basel international standards, the purpose of which is to improve the quality of risk management in banking, which, in turn, will strengthen the stability of the financial system as a whole.

For the practical implementation of Basel standards, the Bank of Russia, in particular, develops methods and reporting forms for credit institutions. These innovations are timely implemented in the ProgramBank.ABS BS solution of the ProgramBank company.

Reporting opportunities implemented in ProgramBank.ABS BS:

Specifying 3875-U:

• Changes were made to the appearance of form 0409110 "Decoding of certain indicators of the credit institution's activities" and the algorithm for its formation was finalized.
• New reporting form 0409119 "Data on maximum interest rates on deposits of individuals" has been implemented.
• The appearance of form 0409123 "Settlement of Equity (BASEL III)" has been changed. The section "Reference" has been added, which implements the entry of securities transactions and an entry into the group of indicators. The formats of unloading to Kliko and CAS DPC have been modernized.
• Form 0409126 "Data on weighted average values ​ ​ of the total cost of consumer loans (loans)" added the inclusion of overdraft loans and setting up the exclusion of cession agreements.
• The algorithm for constructing form 0409251 "Information on customer accounts and payments made through a credit institution (its branch)" has been improved.
• New balance sheet accounts have been added to the calculation of form 0409301 "Individual indicators characterizing the activities of a credit institution."
• The calculation of Section 2 on the lines of Form 0409302 "Information on Funds Placed and Raised" has been amended.
• Changes have been made to the appearance and algorithm for building form 0409316 "Information on housing loans."

Specifying 3714-U:

• New reporting form 0409303 "Information on loans granted to legal entities" has been implemented.

Specify the 3875-U 3855-U:

• Changes were made to the appearance of form 0409135 "Information on mandatory standards and other indicators of the credit institution's activities" and the algorithm for calculating standards.
• Added new 8740, 8741, 8751, 8752 (% KR_2613U) codes to settings.

Unloading of currency payments to ASVBC:

• The procedure for exporting foreign currency payments to the ASVBC program has been finalized.

Position of the 446-P:

• Reporting form 0409102 "Report on Financial Results of a Credit Institution" has been brought in line with the requirements of Regulation 446-P.
• The requirements of Appendix to Bank of Russia Regulation No. 446-P of December 22, 2014 "On the Procedure for Determining Income, Expenses and Other Total Income of Credit Institutions" have been implemented.
• Changes have been made in the formats of export of Clico data and CAS DPC.
• A task scheduler has been implemented to recalculate residuals by symbols.

Operational reporting - other:

• A procedure has been created for off-line verification of financial monitoring criteria.

Material benefit tax:

• The procedure for exporting 2-NDFL in 5.04 format is implemented.
• Calculation of the help number is implemented.
• Printing of the 2-NDFL help is implemented.

Mandatory Reservation Fund:

• Changes were made in accordance with Regulation No. 507-P dated 01.12.2015, export of data in the format of Clico and CAS-DSA was implemented.
• The FORE calculation has been amended in accordance with the 3978-U from 01.04.2016:

• in the reference book, instead of 3 settings at the percentage of reservation, 6 are implemented with division into rubles and foreign currency;
• the percentage split is taken into account in the calculation of Appendix 1 and in the export of data in Clico format.

Balance Sheet:

• Amendments to Appendix 8 on 385-P have been made in accordance with Bank of Russia Regulations No. 3503-U, 3623-U and 3659-U.

2015

Rebranding: association of ABS Centaurus Omega and IBS Hephaestus

In 2015, during the rebranding of the company ProgramBank"," ABS the Hephaestus and Centaur Omega IBS systems were merged as part of a single ProgramBank.ABS BS solution.

PIB at Centaurus Omega

On December 10, 2015, ProgramBank announced the capabilities available to users of the Information Security Subsystem (PIB) as part of the Centaur Omega ABS.

The PIB implements the procedure for autotesting the most important functions, it is started during the daily operation of the system.

The tests created help control:

• Authentication function groups (login)
• logging (attempt to destroy logs protected by DBMS tools),
• checking the work with accounts according to the 4-hand rule,
• checking changes in security parameters (an attempt to unauthorized changes in parameters protected by DBMS tools) for unauthorized changes.

If errors are detected based on the results of auto-testing, a message is generated in the security log, a notification is sent to the e-mail of the contractor and the PIB controller. If the tests are executed correctly, a message is generated to the security log. A test report is attached to the event messages and record.

The PIB implements the ability to log reading (viewing) information on personal accounts. In particular, the subsystem now records events for reading account balances and transactions, documents/account transactions, account attributes.

In Centaur Omega added the module "Accounting for own bonds"

On May 14, 2015, the ProgramBank company announced the equipping of IBS "Centauri Omega" with the module "Accounting for own bonds."

The module expands the range of functional capabilities of subsystems designed to work with securities and financial instruments.

As part of the modernization, the following operations were automated:

• Initial placement of securities.
• Work with additional c/b releases.
• Working with the underwriter.
• Accrual/payment of coupons.
• Discount accrual.
• Early redemption (offer).
• Secondary placement of repurchased CBs
• Repayment of c/b, etc.

The implementation of the "Own Bonds" module was carried out in early 2015 and as of May 14, 2015 it is used in a credit and financial institution.

Capabilities of the ProgramBank.PKO: Hephaestus module

• A large number of new legislative requirements are supported, including:
• The requirements of Federal Law No. 213-FZ of 21.07.2009 "On Opening Bank Accounts and Letters of Credit, on Concluding Bank Deposit Agreements by Business Companies of Strategic Importance for the Military-Industrial Complex and Security of the Russian Federation, and Amending Certain Legislative Acts of the Russian Federation" were implemented.
• Bank of Russia Ordinance No. 3248-U, dated 29 April 2014, "On Amending Bank of Russia Regulation No. 383-P" On Rules for Transferring Funds "has been implemented.
• Bank of Russia Ordinance No. 3365-U of 19 August 2014 "On Amending Bank of Russia Regulation No. 385-P of 16 July 2012" On Accounting Rules in Credit Institutions "has been implemented.
• Amendments were made in accordance with the Decree of the Government of the Russian Federation No. 735 of July 30, 2014 "On Amendments to the Decree of the Government of the Russian Federation" No. 1137 of December 26, 2011. "
• Changes were made in working with proxies in accordance with Bank of Russia Instruction No. 153-I dated May 30, 2014 "On Opening and Closing Bank Accounts, Deposit Accounts, Deposit Accounts."

In addition, the functional development of the solution continues: accounting for lost execution sheets, checking bank customers for entries on the FFMS list, new forms of the journal of accounting for invoices and books of purchases and sales of invoices are implemented, access rights settings are constantly being improved, etc.

2014

Update of IBS functionality for order accounting

On November 18, 2014, the ProgramBank company presents to the banking community the new functionality of the Hephaestus IBS to automate the accounting of orders for operations on depot accounts.

In accordance with the requirements of the Rules of the Central Bank of the Russian Federation for keeping records of depository operations of credit institutions in the Russian Federation No. 44, the beginning of the operation on securities accounts is the receipt of an order (clause 3.14). Details of the order are given in Appendix 18. In addition, the Bank is obliged to maintain an operational journal of the depository, which should contain all information about the transactions performed (Clauses 3.3.5).

Until now, orders for operations on depot accounts were formed separately from the Hephaestus IBS in other systems. Accordingly, the bank's specialists experienced certain difficulties when maintaining an operational journal.

The ProgramBank company as a result of improvement of the flagman IT solution of the IBS Hephaestus developed the new module "Depository Account" eliminating need of conducting accounting of instructions for other systems. This module is designed to automate the accounting of orders for operations on securities accounts.

The module allows:

• Create an order for operations on securities accounts.
• Register it in the order log.
• Link inventory transactions on securities accounts formed by other modules of Hephaestus IBS (RKO, Securities Accounting, Bill of Exchange Accounting) with the order on which these transactions were carried out.

In addition, Hephaestus IBS allows you to automate the business processes of depository accounting departments of credit institutions, including:

• Maintain custody accounts.
• Record and transfer ownership rights to securities issued by residents and non-residents.
• Take into account securities in the context of places of storage and owners.
• Record the operator's data, date and time of the operation in the transaction logs.
• Carry out operations for re-registration of property rights.
• Take into account transactions related to encumbrances and restrictions on the circulation of securities.
• Generate documents of mandatory forms.
• Set up in accordance with the internal documents of the depository accounting department of the credit institution.

All used methods and technologies of depository accounting comply with the Bank of Russia regulations.

Update of the "Reporting" module of IBS

On June 26, 2014, ProgramBank announced the release in early summer 2014 of a new version of the Reporting module of the Hephaestus IBS.

The appearance and algorithm of these reporting forms are aligned with the latest Bank of Russia Guidelines:

• Reporting form 0409808 is brought in line with Instruction No. 3129-U;
• Reporting form 0409345 is brought in line with Instruction No. 3198-U;
• Reporting form 0409652 has been brought in line with the 3198-U from the date of 01.06.2014;
• Reporting form 0409301 is given in accordance with the 3269-U.

The download of various XML files from the Hephaestus IBS is implemented according to the 407-P:

• for transfer transactions made by an individual without opening an account;
• for foreign exchange transactions made by an individual without opening an account;
• for copies of questionnaires (dossiers) of clients of a credit institution.

In the Reporting module of the IBS, the main and internal reporting forms have been finalized:

• The report "Depository Accounts Log" has been finalized. This report can be received in the GREE reporting system. Based on the changes, by order of the Ministry of Finance 107n of 12.11.2013, changes were made to the payment order, collection order, payment order.
• In the report "Register of transactions with cash currency and 136I checks," the receipt of a report on parameters is implemented - by the operator and for the date period.
• For the report "Book of registration of existing accounts for the date" in the column "Procedure and frequency of issuing account statements," the column is filled in with the values: for active accounts - "Not required," for passive accounts - "in accordance with the bank/deposit account agreement."
• The Client Questionnaire report has been finalized in accordance with the 3179-U Instruction, and various new client mnemonics have been added.
• The report "Client Questionnaire for an Individual (Individual Entrepreneur)" has been finalized in accordance with * 262-P changes. In particular, client questionnaires with direct upload to Word are implemented.
• Numerous extracts have been finalized.

Replenishment of ABS "Hephaestus" with the module "Securities. REPO with basket "

On June 24, 2014, ProgramBank announced the development, as part of its flagship solution - IBS Hephaestus, of a new module "Securities. REPO with basket. "

In 2013, the company analyzed a new bank lending scheme initiated by the Bank of Russia and Bloomberg with the participation of the National Settlement Depository (NSD) as a developer. The result was the development of a module that facilitates flexible adjustment of transactions in the bank, taking into account the individual characteristics of the process.

The module is designed to automate the accounting of tripartite repo transactions with the Bank of Russia. Functionality:

• reflect in the system a master agreement with the Bank of Russia for the implementation of a tripartite repo with a basket of securities.
• reflect the conclusion of its own direct repurchase transactions with a basket of securities concluded under the master agreement.

Within the framework of the concluded transactions:

• Form an initial register of securities transferred for security under the transaction;
• Withdraw part of the securities in the middle of the transaction;
• Add securities to collateral in the middle of the transaction;
• Create a register of securities for return from security under the second part of the transaction.
• Carry forward the due dates of the second part of the transaction.
• Monitor the change in the composition of securities under the transaction;
• Automatically generate postings in accounting and depository accounting.

Update of the "Deposits" module as part of the IBS

On June 18, 2014, ProgramBank announced the release of a new version of the Deposits module as part of the Hephaestus IBS.

The updated functionality significantly expanded the possibilities for banks in terms of online interaction through web access to deposit accounts in the Hephaestus IBS. The capabilities of the module help to carry out non-interactive work with deposit agreements through requests from the bank-client system.

Using the RBS system of any manufacturer, the bank's client can perform the following operations:

• Opening/closing of deposit agreements.
• Requests for included products.
• Change the deposit interest payment account.

"Centaur Omega" in the concept of "Bank 2.0"

On April 8, 2014, ProgramBank announced the integration of Centauri Omega ABS with DBOiSimpleRetail 2.0.

The iSimpleRetail 2.0 solution is implemented in the concept of "Bank 2.0." ^[1]

iSimpleRetail 2.0 allows a retail client to transfer all interaction with the bank to a virtual space: open a deposit, request a loan, block a card and a number of other manipulations.

IBS "Centaur Omega" is integrated with "RBS BS-Client"

At the end of 2014, the integration of the Centaur Omega IBS with was implemented. Private Client "of BSS. Integration covers all types of retail operations, including:

• Payment transactions: All types of Internet payments from the customer's account, receipt of statements, transfer between different customer accounts.
• Plastic card transactions: blocking, issuing an additional card, paying card fees, transfers between cards, cashless conversion of funds.
• Deposit transactions: Open and close deposits.

Document flow with "RBS BS-Client. A private client "allows bank customers to fully control their payments (including revocation if necessary).

The completed project expands the range of ready-made integration gateways for interaction between Centaurus Omega IBS and various IT solutions in the banking market.

Already, several dozen ready-made gateways and integration procedures of the Centaur Omega banking system and external solutions have been implemented: RBS systems, payment systems, BCHs, processing centers, CRM systems, SMS distribution systems, etc.

IBS "Centauri Omega" provides two-way document flow with State bodies, with the National Settlement Depository, the Moscow Exchange Group trading settlement system, etc.

2013: Addition of the Information Security Module to the IBS

In 2012, the developers of ProgramBank created the Information Security module for Hephaestus CAD, which allows credit institutions to automate compliance with the standard of STO BR IBBS and the amendment of July 25, 2011 (261-FZ) to the 152-FZ "On Personal Data."

Main capabilities of the Information Security Subsystems module

• Security functionality with certified IA (Information Assets) protection mechanisms.
• The IBS administration mechanism implemented in accordance with the requirements of regulatory documents of FSTEC and STO BR IBBS 1.2 -2010.
• Procedures for certification of informatization facilities based on the use of Hephaestus IBS according to information security requirements.
• Procedures for ensuring compliance of the credit institution with the requirements of STO BR IBBS 1.2 -2010.

The subsystem implements the requirements for the processing of personal data in accordance with the requirements of federal legislation, including FSTEC and the FSB of Russia.

Functionality of version 2.0

• In the authentication mechanism, it is possible to prohibit multiple registration of the same user from different workstations.
• Save/restore/clean security logs.
• Set up account access to various objects (clients, accounts, documents, etc.) with mandatory authorization. Now all changes to the access settings made by the administrator come into force only after their approval by the controller of the "Information Security Subsystem" (PIB).
• Deletion of personal data of physical persons from the system (at his request).
• Procedure for creating an "impersonal" copy of the database for test and development purposes.

2012: Description of IBS

The integrated banking system "Hephaestus" meets all the basic requirements that apply to the accounting system, as the core of the bank management information system:

• Centralization, which makes it possible to ensure the operation of a multifilial bank on a single database on any communication channels;
• Scalability sufficient for a bank of almost any scale;
• Reliability that allows maintaining the performance of a commercial bank in a wide range of emergency situations;
• Performance sufficient to ensure timely decision-making and growth of the Bank's business;
• Integration of all information and functions required to make a management decision within the space available to management;
• Openness to any external sources of information and business processes;
• Flexibility to enable timely management actions and settings for the most optimal operation of a commercial bank in the current environment.

The system is constantly evolving. We constantly carry out its refinements in accordance with the company's plans for the development of the system, customer applications and the requirements of regulatory documents of the Bank of Russia, the Ministry of Finance, MNS, etc. Since the beginning of 2010 alone, 85 new versions of various system modules have been released, including the interaction module with the RusSlavBank Clearing Center using the Contact NG on-line protocol, and the implementation of the Deposit Cells module has begun.

The technologies used in IBS "Hephaestus" allow banks, as they grow, to maintain investments in software and hardware complexes, as well as optimize the work of banking services and improve the quality of service to their customers. These and many other unique characteristics of this product make it one of the most competitive automated banking systems in the market.

Description of IBS

Integration. Modular principle of Hephaestus IBS construction

Modern banks use a wide variety of tool sets in their work, from various types of settlement and cash services to trust management services. Therefore, the modern banking system should consist of many functional modules integrated with each other, which allow the bank to implement a scheme of work on all necessary banking operations.

Fig. Principle of system construction

The IBS has the principle of full integration of all the functional modules necessary for the bank. Since information integration is one of the necessary properties of the management information system core, IBS of 'Hephaestus' supports three levels of information integration:

• The bottom level of integration is traditional data integration. A single data space is the basis for management decisions. The complete information of the bank, as well as all its branches, is stored in a single database.
• The average level of integration is a single space of the bank's business processes. The unity of information at all levels of the bank is maintained through the general structure of directories and indicators. The advantage of a single space of banking business processes is the ability to build "end-to-end" and "transparent" interaction chains for users.
• The top level of integration is a single space of automated workplaces. All elements of the banking business process mechanism are presented in a single space of functional points, which serves as a link between the functions of the system and the user interface. Each workstation has the ability to access any set of functional points, through them - to business processes and information system data in accordance with the rights set through the access administration system. Thanks to the unity of the system, any performer, at his workplace, can have the set of functions that he needs by type of activity.

The technologies used in Hephaestus IBS allow banks, as they grow, to maintain investments in software and hardware complexes, as well as optimize the work of banking services and improve the quality of service to their customers. These and many other unique characteristics of this product make it one of the most competitive automated banking systems in the market.

In the future, with the emergence of a new direction of the bank's activity and the need for automation of new financial instruments, it is enough for a bank using IBS to purchase only the corresponding functional module, which already includes the possibility of its integration with the system.

If the bank uses functional modules of other systems, for example, modules of the Centaur IBS or programs of its own design, then they can be integrated with the Hephaestus IBS using various exchange interfaces implemented in the system, which ensure its compatibility with almost any external modules.

Flexible and simple tools for setting up bank workflow

The Hephaestus IBS is based on the bank's electronic document management system. Account postings and full accounting are carried out automatically according to the configured workflow schemes. The system allows you to transfer a significant part of the bank's paper document flow into electronic form, increases the efficiency of employees, simplifies the storage, search and transfer of documents within the bank.

IBS "Hephaestus" is a fully customizable system. It can be used in various regions of Russia and the CIS countries, configured in accordance with any banking technology that exists or is necessary for the bank.

The document flow of IBS "Hephaestus" can describe the technology of any bank. In addition, different tasks can be solved in each bank at different workplaces. The system allows you to customize the type and structure of the menu, as well as access to documents, accounts and transactions, for each specific user.

Work in real time, operational analysis of the activities of the bank and its divisions

Changes in planned or actual account balances occur immediately when the relevant documents are processed and are reflected in all work centers in the system.

Therefore, all information becomes promptly available, which allows you to quickly and timely monitor the state of the bank, receive the necessary reporting.

Multi-Currency Principle of Operations

IBS "Hephaestus" is a multi-currency system with a single database for all divisions of the bank.

The existence of a single database allows you to create direct postings between accounts with different currency codes without using intermediate accounts.

2011: Description of the Centaur Omega system complex

Centaur Omega is a multipurpose complex of systems, technologies, techniques and ready-made application solutions designed to implement and service the widest range of tasks for automating the bank's activities.

Centaur Omega is a fully functional modular automated banking system based on the business process management system concept (BPM - Business Process Management).

Centaur Omega is capable of working both as a single banking automated system and as separately installed modules that provide local functionality.

Centaur Omega is an integrated banking system focused mainly on Russian banks and investment companies.

However, its qualities such as multicurrency, work in many accounts plans, a universal reporting system, an easy ability to nationalize the system, integration with Russian and international payment systems, including SWIFT and national RTGS systems, allow the use of Centaur Omega IBS to automate various financial organizations outside Russia. The scalability and flexibility of the system allows its application in central banks, clearing houses, banks of servicing enterprises and the population, as well as in non-bank financial organizations.

From a technical point of view, Centaur Omega is a three-link structure with the ability to organize more complex multi-link systems. As a database server (DBMS), all typical solutions of the Centaur Omega system are developed using industrial DBMS: Oracle and MS SQL Server 2000/2005, including MSDE (MS SQL Server Desktop Engine). Non-typical solutions can be ported to other DBMSs in a short time.

The system has a built-in powerful graphical report generator and visual designer of screen forms, allows you to use the built-in script language, a system for describing configurations, interfaces, data structures, document classes and methods of their processing. IBS "Centaur Omega" provides ample opportunities to change and replenish functional descriptions, create new document classes, new reporting forms, new sets of interfaces and workplaces, as well as configure various document management methods.

Purpose of System Creation

The goal of the development of the Centaur Omega IBS is to create on the new platform a modern automated banking system that retains the advantages of the Centaur Delta complex and at the same time has the widest prospects for further development.

Basic System Properties

• Higher performance and reliability
• ideological continuity;
• the possibility of optimal use of the bank's technical base;
• availability of a single database, unified reference books;
• openness of the system for adding information by third-party means;
• a high degree of customization to a specific workplace;
• modernity - the system interface meets general standards;
• reliability - preservation of database integrity in case of equipment failures;
• reliable information protection system - differentiation of user rights;
• possibilities of graphical representation of initial and calculated data;
• integration with external systems.

Graphical representation of input and calculation data

• Built-in support for various types of graphs and diagrams - linear, Pie, dot, histogram, etc.
• Built-in Rich Text Format 2.0 support.
• Built-in support for graphic formats bmp, wmf, emf.
• Built-in support for barcode coding of information according to Code39, Code39E, Code128 (A, B, C), MSI, EAN, PostNet, UPC, etc.
• Loaded OLAP module - graphical data analysis.

The concept of IBS "Centaur Omega"

The Centaur Omega system is built taking into account the most important basic concepts that determine the modern bank management system. Among these concepts, first of all, the following:

• controllability,
• functionality,
• Ease of use of information
• administration and security,
• advanced technologies.

Controllability

Manageability refers to the compliance of the management functions of the automated system with the business requirements of the bank, the ability to obtain adequate returns during each period of operation of the latter. Therefore, during the design of the IBS, not only modern, but also possible in the future were supplied, and therefore conflicting requirements for the operating conditions of the system.

For organizations with a structure built according to the linear or divisional principle, a system consisting of functional modules is most acceptable. This was reflected in the IBS "Centaur Omega."

On the other hand, modern banking organizations are increasingly faced with the need to quickly form banking products and services for a volatile market. This approach provides for the flexible use of the functionality of various modules, built in accordance with the task of managing the business process.

Finally, matrix and other control approaches, as well as various combinations thereof, are possible.

Therefore, to solve all possible modern and promising problems, Centauri Omega IBS is a flexible modular system that allows you to organize complex business processes, as well as support arbitrary organizational and logical bank management systems.

Notes