Correqts

CORREQTS (Correct Optimal Robot REliable Quantitative Technological Solution) is a platform for building and developing a single front-office system that provides the ability to automate the entire sphere of interaction with the end consumer of banking, financial and information services.

CORREQTS was initially focused on mass provision of financial services to a wide range of consumers - both individuals and legal entities. But now the functionality of the system allows it to be used in state, insurance, trade and other organizations interested in high-quality electronic customer service.

2022: Remastered by Correqts Corporate

BSS announced on August 17, 2022, the remastering of the remote banking system for corporate clients of Correqts Corporate. It is a redesign of the system interface to improve its user qualities while fully preserving functionality and familiar user scenarios. Also, the remaster makes it possible to expand the functionality of the system by organically embedding external services in the user's workspace.

Illustration: bosfera.ru

BSS regularly receives banks the reverse of communication UX remote feeds. After analyzing the accumulated, data the BSS team launched a remastering project, solving the overwhelming number of "pains" faced by customers in the UX part. It is important that this improvement in the client experience will be as smooth as possible for - banks the remaster retains both the fullness of functionality for RBS individuals legal and the usual scenarios for users (navigation paths, location of the main controls, etc.).

Banks will be able to expand the ecosystem of digital services on the basis of the remaster - from embedding updated services implemented by BSS (for example, client questionnaires 115-FZ), to embedding third-party solutions (personal accounts of partner and non-bank services). At the same time, a unified logic of the client's work will be provided. Interaction with external services will take place in the main work area of ​ ​ the interface, without going to external tabs, as if the external service is an integral part of the personal account of the RBS.

The RBS system for corporate clients of BSS is widely used by clients of banks, qualitatively solves their tasks, especially in cases related to the work of professional users (accountants, employees of the client's treasury, etc.) and the processing of a large number of documents (hundreds and thousands per day).

A remaster of the RBS system for corporate clients has already been implemented in a number of banks and has been highly appreciated by both client divisions of banks and end users. Separately, I would like to note the simplicity and speed of implementation - the remaster is installed without modifications to the bank's information systems within a matter of weeks. This helps bank customers more conveniently and efficiently use remote channels, banks more successfully solve their business problems, and BSS companies maintain and strengthen their position as a leader in the market for remote service solutions for legal entities, " commented on the director of product development of the Center for Digital Solutions for Business of BSS Stanislav Shilov.

2021: State grant 156 million rubles for the development of a RBS system with microservice architecture

In January 2021, the Russian Fund for the Development of Information Technologies (RFRIT) announced that BSS became one of the winners of the competition for grants for the development of domestic software products. Grants for the development of IT companies are allocated by the Ministry of Digital Development within the framework of the federal project "Digital Technologies," the head of which is Deputy Minister Maxim Parshin.

The press release of RFRIT indicated the amount of the BSS grant of about 195.4 million rubles. But later that month, RFRIT told TAdviser that the amounts of agreements concluded as a result with some winners of this competition differ from those previously indicated in the release - there were amounts for which the companies claimed. This happened in the case of BSS: in fact, the company received a grant of 156.3 million rubles instead of 195.4 million, which it claimed.

The BSS grant was allocated for the development and refinement of the RBS system for the provision of remote banking services to legal entities and individuals by Russian banks. The BSS says that within the framework of this project, the first Russian vendor solution on a microservice architecture will appear to provide RBS services. During the project, a microservice platform will be developed, on the basis of which the functionality of the RBS system is implemented.

For banks of the Russian Federation, a new BSS development should become available in 2021

Microservice architecture has become widespread abroad. Many overseas companies such as Netflix, Spotify, Uber, Google have gone from monolithic to microservice architecture, winning the competition through greater access to the resources of the global digital economy and a significant competitive advantage in the speed of creating new services. Following global trends, a number of the largest Russian banks are also switching to a microservice architecture using their own development, BSS explains the prerequisites for the project.

To implement the microservice platform, it is planned to use developments from solutions for RBS on the existing BSS CORREQTS platform for individuals and legal entities, built on the basis of a service-oriented event-controlled modular architecture, explained TAdviser Vitaly Pateshman, BSS Sales Director. The design of the microservice platform takes into account the experience of the world's leading companies in developing solutions in microservice architecture, he added.

As part of the first stage of the project, it is planned to finalize the implementation of microservice architecture in the platform. As part of the second and third stages, it is planned to finalize the platform for supporting microservice architecture, as well as the applied implementation of microservices in accordance with the declared functional requirements, "Pateshman told TAdviser.

During the first year after the completion of the project, BSS plans to ensure the commercialization of the result through the implementation in banks of Russia, primarily by the company's existing customers. Vitaly Pateshman added that the solution will become available for CIS banks and abroad starting in 2022.

The company also clarified TAdviser that banks of the top 100 level in the Russian Federation, the CIS countries and abroad see the target segments.

First of all, it is planned to go to the banks of the Russian Federation of the top 100 level, which are current BSS clients, such requests are already received by the company, - says the BSS sales director.

The company clarified TAdviser that the solution will use elements of free software: in particular, solutions for containerization, such as Docker, Kubernetes, as well as software for monitoring and solutions from the Spring stack.

BSS CEO Georgy Kravchenko expects that the decision will be competitive not only in the Russian market: "one of the key advantages of the product will be the ability to replicate to bank customers both in Russia and in the CIS countries and far abroad."

2020: Auditing at the OUD4

The BSS RBS system for corporate clients (Correqts Corporate) has been audited at the OUD4. BSS announced this on November 10, 2020.

An analysis of vulnerabilities to the estimated level of trust of at least 4 (OUD4) is an urgent topic related to the requirements of the Bank of Russia. The basis is Bank of Russia Regulation No. 683-P, which introduces standards for ensuring the protection of information for banking entities providing financial services to the population, including the transfer of funds in non-cash form.

The main goal is to strengthen the security of money transfers and prevent cases of transfers without the consent of the client. The requirement itself entered into force on January 1, 2020, but sanctions for non-compliance will begin to be applied from July 1, 2021.

BSS experts analyzed the methods and competencies of employees of companies offering audits at the OUD4. Unfortunately, the scope of work performed by these companies does not fully comply with the requirements of GOST 15408-3-2013. In addition, it does not meet the requirements of this type of work, especially in terms of source code analysis.

The analysis of vulnerabilities was OUD4 entrusted to BSS-Security. The competencies of its specialists, methods and methodology for carrying out this type of projects are impeccably verified.

At the first stage of the project implementation, a plan for testing and conducting the certification tests themselves is formed. Further, a test software and hardware complex (stand) is prepared, which repeats the operating environment. Testing for penetration of software from the Internet and from the internal network is carried out. The next stage is static and dynamic analysis of the source code both manually and using specialized tools. Protocols and reporting documentation are being prepared in the final.

The result of the analysis of OUD4 vulnerabilities is the identification and elimination by the developer of all weaknesses in the software that can be exploited by attackers.

Passing the procedure for analyzing vulnerabilities OUD4 the BSS RBS system for legal entities means that BSS clients and partners can be sure that they use secure software that meets all the current requirements of the regulator.

Through the introduction of the OUD4 security analysis procedure on an ongoing basis, BSS products received another layer of protection. The applications built into the Pentest and Source Code Analysis process initially protect the released products from most known vulnerabilities. BSS customers gain greater confidence in the quality and security of the company's solutions. This is especially true in the current realities of activating hacker criminal groups carrying out targeted attacks on the banking industry, "commented Viktor Gulevich, director of the security systems department at BSS.

2018

Expansion of the modules "Salary project" and "Corporate cards"

On October 31, 2018, BSS announced the release of an update to the CORREQTS Corporate v. 2.3.32 system, a comprehensive solution designed to organize remote banking services for legal entities.

The update implements a number of features:

• The functionality of the "Salary Project" module has been expanded:
  • improved support for working with employees with accounts in other banks: improved mechanism for importing payroll containing employee accounts in other banks, implemented additional controls.
  • support for the selection of a bank branch in which issued salary cards can be received.

• The Enterprise Maps module has been improved:
  • control of identity document details has been finalized in the application for issue of corporate card;
  • supports the selection of a bank branch in which issued corporate cards can be obtained.

• Other functional improvements:
  • Enhanced manual processing of payments transferred to the FRAUD-Analysis system.
  • the possibility of mass transfer of clients from one branch to another by a bank employee is realized.
  • the functionality of sending the login and password to the client at the first login has been improved.

The transition to the updated version of the CORREQTS Corporate v. 2.3.32 system is carried out from version v. 2.3.31 under the support contract.

CORREQTS Corporate Audit

On May 21, 2018, BSS announced that CORREQTS Corporate had successfully passed the Group-IB audit.

Group-IB has confirmed the absence of critical vulnerabilities and secure work with cryptographic information protection tools integrated into the DBO BSS system on the customer's side.

The purpose of the cryptoplagin audit is to identify possible vulnerabilities that can reduce the level of reliability of the RBS system and jeopardize the security of the bank's corporate clients. The project was implemented in two stages. Initially, Group-IB specialists conducted a security audit and issued existing comments. Next, the BSS team carefully worked out all the shortcomings. At the second stage, Group-IB experts assessed the correctness of eliminating previously found vulnerabilities. As during the security audit, various attacks were modeled using black box and white box methods. During the second stage, the following was carried out:

• assessment of correctness of application vulnerability elimination as components, OS Windows
• correctness of application vulnerability elimination as an executable x86 object,
• assessment of correctness of elimination of vulnerabilities identified during analysis of the application source code.

The control audit demonstrated that all previously found shortcomings were completely eliminated. Group-IB specialists have reliably confirmed the correction of the vulnerabilities found. This makes it possible to ensure on the customer's side the safe operation of extremely important functionality responsible for interaction with cryptographic information protection tools (CIPF).

2017

• The BSS introduction of the concept in the Company Agile allowed to reach a new level of project standards in the development and. CORREQTS Corporate CORREQTS Retail The competencies of the team during Agile-implementation of products have been strengthened.
• In 2017, compared to the same period in 2016, CORREQTS Corporate sales doubled, CORREQTS Retail - fivefold, BSS Business - tenfold.
• A comprehensive solution for organizing remote banking services for legal entities CORREQTS Corporate is being developed and supplemented with popular services. Direct Debit, Corporate Cards, Document List Export Wizard, Online Conversion, SafeTouch Whitelists and other services not only give businesses the necessary, convenient and effective functionality, but also help increase customer loyalty.

Correqts Corporate Release Version 2.3.19

On August 21, BSS announced the release of V. 2.3.19 of the Correqts Corporate system, a comprehensive solution designed to organize remote banking services for legal entities.

In general, this version implements "Online Conversion," "SafeTouch Whitelists," corporate card management services, quick connection of the "Electronic Office" and other features.

In version 2.3.19:

• The Online Conversion service has been added - the bank's customers have the opportunity to make transactions at the current rate in real time. The solution helps to increase customer loyalty and provides an individual approach to the bank's customers. The service is implemented in two versions:
  • making a transaction at the exchange rate from the online conversion exchange rate directory set by the bank for the client;
  • Transaction at exchange rate as part of integration with PRIME Sales Information Terminal.

• The Corporate Cards module has been expanded with a service that provides banks' customers with the opportunity to form and send applications to the bank for re-issue of the card, setting permission for operations abroad, and unlocking the card. This will provide additional opportunities for the bank's customers and provide a full cycle of corporate card management in the system.
• The SafeTouch whitelists service has been implemented, which allows customers to safely execute group signature of documents using the SafeTouch signed data display tool and automatically generate a counterparty whitelist.
• It is possible to quickly and conveniently connect the Electronic Office module immediately after purchasing a Correqts Corporate license.
• It was possible to specify the payment code in the 110 payment order field when transferring funds to individuals in order to make payments from the budget in accordance with Bank of Russia Ordinance No. 4449-U, dated 05.07.2017 , "On Amending Bank of Russia Regulation No. 383-P, dated 19 June 2012," On Rules for Making Funds Transfers. "

The transition to the Correqts Corporate v. 2.3.19 system is carried out from v. 2.3.18 within the framework of the support agreement.

2016

Update of Corrects Corporate RBS v. 2.3.8

On November 24, 2016, BSS announced the release of the Correqts Corporate update - a RBS system for legal entities.

Correqts Corporate (2016)

The Correqts Corporate version implements a set of services for clients of the small and medium-sized business segment aimed at generating additional commission income and reducing operating costs. BSS has released an update to the Corrects Corporate RBS version v. 2.3.8 - a comprehensive solution designed to organize remote banking services for legal entities.

The update includes services for customers of the small and medium-sized business segment:

• RBS integration module with cloud accounting and other external payment services. The solution supports the possibility of importing payment orders in rubles of the Russian Federation into RBS and exporting customer bank statements from RBS. Based on the created module, the interaction with the Kontur was tested and confirmed. With the help of the module, integration with other cloud services is possible: Contour. Elba, Button, etc. Integration with cloud accounting will allow the bank to generate additional commission income through partner programs with services, as well as increase the loyalty of corporate clients.
• Express inspection service for traffic lights counterparties. Allows bank customers, when working with payment orders, to promptly receive information on the reliability of the selected counterparty, as well as receive express reports on its activities based on data provided by the service of express analysis of counterparties Kontur. Focus. The service will allow the bank to increase commission income.
• Chat with Bank service. The solution allows customers to communicate with bank specialists in real time, provides the bank with an additional channel of communication with customers for sales, technical support or consulting. The expected benefits for the bank are not only a reduction in operating costs for customer service, but also the organization of an additional channel for the sale of the bank's products and services. The service is implemented on the basis of the LiveTex solution.

The update implements a number of functionality and improvements aimed at improving the convenience of clients - sending account details by corporate clients to their counterparties by e-mail from the RBS interface, updating online balances and bank statements from ABS when the customer enters the RBS system, the ability to view information about irreducible balances and send an application to the bank to install an irreducible balance on the account, optimize work with SafeTouch devices, etc. The transition to Correqts Corporate version v. 2.3.8 is carried out from version v. 2.2.24.12 and higher under the support contract.

Mobile Business Client for smartphones

In November, the Mobile Business Client solution for smartphones was presented, aimed at both small and medium-sized banking clients and large business customers.

Mobile Business Client provides the following opportunities:

• Information Service (reporting on transactions, statements, balance sheet)
• execution and signature of payment orders in rubles of the Russian Federation;
• additional control (sighting) of payment orders in Russian rubles.

For large and medium-sized businesses, the application allows authorized persons of the parent company online to carry out the functions of monitoring, control and authorization (acceptance) of expenditure transactions on the accounts of subsidiaries and branches.

The mobile application is intended for banks using CORREQTS Corporate - a remote banking service system for legal entities of the Company BSS.

Development of RBS functionality

On November 14, 2016, BSS announced the development of the RBS system functionality for corporate clients.

The company is developing a RBS system for legal entities under pressure from the tasks of reducing operating costs, increasing transaction revenues without significant operating costs and quickly adapting to business plans.

Software Interface, (2015)

To reduce costs, the developer created an "Electronic Client Office." It helps you achieve your goal by electronically outputting key customer interaction processes. In addition, the service stimulates additional commission income and customer loyalty. A "Mobile Client" has also been developed for smartphones running iOS and Android operating systems. It provides information and payment servicesОшибка цитирования Неправильный вызов: ожидался нечисловой ключ.

BSS RBS systems are integrated with the Traffic Light counterparty verification service from Kontur. This allows corporate clients of the bank to check the "purity" of counterparties in the remote service system. Integration with the Internet services "Kontur. Elba" and "Kontur. Bukhgalteria." Direct interaction with 1C (Direct Bank) is being implemented.

Group-IB confirmed the security of CORREQTS

Testing was carried out using the Gray Box method - experts were given access to the test site with the CORRQTS platform version 2.2.0 and accounts with the roles of superuser, manager, operator and system client. All available data input fields, the ability to modify service data entering the system from the attacking side, as well as user interaction interfaces were investigated. During the analysis, no additional protective mechanisms were used to protect the RBS system, and no system source codes were provided.

According to the results of testing, Group-IB experts noted the high security of the platform and confirmed the absence of critical vulnerabilities. The audit showed that the CORREQTS remote banking system is built on a platform that significantly reduces the risk of unintentional writing of vulnerable code. Only two minor and easily recoverable flaws have been identified that do not lead to the leakage of confidential data. They were quickly eliminated, which was confirmed by the results of the repeated audit of the system.

2015

Corrects RBS Development Concept

On October 21, 2015 BSS , at the All Banking Automation 2015 forum, the company presented the development concept, technologies and basic platform capabilities, RBS Correqts the entire range of current solutions and services for financial sector^[1]

The company's experts spoke about the capabilities and prospects of Correqts, demonstrated the implementation of Omni-channel.

Mike Lisyansky, Director of Strategic Product Development at BSS, focused the attention of the banking community on a set of key technologies and tools that will soon be implemented in the system for individuals Correqts Retail and, further, in the system for legal entities Correqts Corporate. The principle in the new BSS approach is to separate the server and client parts of the Correqts platform and create a unified API for client applications. This simplifies the production of client interfaces, and also allows you to simultaneously support many solutions on one server - desktop, mobile, designed for different categories of customers, the company explained.

HTML5 will become the flagship technology in the company's client applications. It allows you to create unified client applications - for desktop and mobile browsers, as well as mobile solutions for iOS and Android, and increase the speed of delivery of functionality to end users.

The Correqts platform will include a practical implementation of Omni-channel technology, which helps to automatically save and synchronize user data in real time between several sessions. Omni-channel technologies will allow you to create new services, for example, creating documents on one device with signing on another or another user, as well as provide technical support for the bank with the ability to view and edit documents filled out by the user online.

Another Correqts innovation is support for voice technologies. BSS developed a voice recognition solution and integrated it with the Correqts platform. Speech recognition technologies BSS embeds in its client applications, which allows you to control applications using voice commands. The voice recognition solution is also ready for integration with other remote banking services such as contact centers and support services.

"Recessions in the economy have always been a time for BSS to breakthrough development and create new products," said Vitaly Pateshman, Sales Director of BSS. - We pay attention to the problems of banks, especially during the crisis, to their desire to reduce costs, promote new products, and increase commission income. The current situation is also a challenge for us, but we are ready to offer banks new technologies that will allow them to develop and earn more. "

RBS CORREQTS version 2.0. 7

The product "CORREQTS RBS System (version 2.0.7)" (Correct Optimal Robot Reliable Quantitative Technological Solution) is designed to automate the front office of the bank, can be used banks both as a complete solution for the provision of services (remote banking service RBS) for legal entities, and as a platform for creating effective automation tools. business processes

The solution, in addition to the available methods of file-by-file loading/unloading of payment orders and statements, provides for direct exchange of these documents between 1C: Enterprise and the banking system (ABS). Direct exchange does not require any bank-client system in the user's company: all interaction with the bank takes place in the 1C: Enterprise system. This functionality makes it possible to significantly simplify and speed up the secure financial document flow of the enterprise with the bank.

An important principle of the new RBS is becoming. omnicanality Omni-Channel allows you to save user input and synchronize it in real time between all devices.

The company BSS has proposed a solution in the field of voice control, speech recognition and voice verification, including an intelligent assistant (IVR Interactive Voice Response). This solution is used in online banking and call centers provides access control and security. A pilot project in a large telecommunications company demonstrated the effectiveness of an intelligent voice assistant.

The joint work of the divisions made it possible to respond in a timely manner to market requirements, develop and release a new product for servicing state defense contracts by authorized banks, and implementation projects are underway. The BSS solution is the only industrial solution for banks to comply with the requirements of Federal Law No. 275-FZ "On State Defense Order."

2014

RBS "CORREQTS" v. 1.7

The key advantage of the "boxed" version of the system is ease of use and ease of use with significant improvements in functionality, security and system performance. The novelty is addressed to the company's corporate clients.

Version 1.7 of the CORREQTS system is multi-platform. The client workplace can function under Windows, Unix, work on Apple Macintosh computers, as well as on the iPad. At the same time, work with all modern browsers is supported: Internet Explorer, Mozilla Firefox, Google Chrome, Opera. The server part of the system can also be operated on various operating systems.

An important feature of the novelty is the user interface of the Internet Client subsystem. The main page informs about outstanding payments, receipts to accounts, and also allows you to read new letters from the bank. Particular attention was paid to the convenience of working with documents when developing a new version. The use of the technology two-factor authentications provides additional protection for customers.

«CORREQTS»v. 1.7 is significantly cheaper to operate. This is provided by the modular technology implemented in the system: certain parts of the system, such as documents, printing plates and gateways to ABS, are made in the form of independent modules that are installed and updated with a "one-click" click. The presence of such functionality will allow the bank to develop the RBS system in a unique way for it.

2010: Scheme of work

The system supports three ways of organizing consumer interaction with the bank (organization):

• Self-service

Through simple and convenient means, customers can independently get acquainted, buy and use financial products. Thanks to a wide range of technical capabilities, interaction with the consumer can be carried out through a personal computer, PDAs, mobile and landline phones, smartphones, self-service kiosks, ATMs.

• Office service

Customer service is provided by the organization's personnel in the places of presence (central office, additional offices, offices, remote cash desks, credit and cash offices, etc.). At the same time, work is carried out with a single front-office solution on the principle of a "single window." At the same time, the real number of back-office systems that a particular organization uses does not matter.

• Agency service

With CORREQTS, a bank (financial company) can sell its products through agency networks of any architecture. The system allows you to fully optimize interaction with the agent, including setting up an individual system of his rewards. In addition, you can entrust the sale of an individual product or set of products to a specific agent (agent group).

Notes