Diasoft Digital Q.Payments

Main article: Automated Banking Systems (ABS)

Digital Q.Payments provides settlements in national and foreign currencies through payment and settlement systems. The platform is applicable to all banks and non-bank financial institutions.

2024

Cashback payment support for payments through the SBP

"Diasoft" supported the possibility of paying cashback when paying through the SBP. The company announced this on June 6, 2024.

In 2023, over 7 billion operations totaling 31 trillion rubles were completed through the Fast Payment System (FPS), a third of which fell on the IV quarter. Compared to 20222, the indicators have grown more than 2 times.

Experts called the lack of cashback when paying for purchases through the SBP one of the obstacles to even more active growth, since this type of transactions is equated to money transfers.

The innovations of the NSPK will eliminate this obstacle and make the payment process through the SBP even more profitable for its participants. According to the operational bulletin of the SBP of 29.09.2023, from April 1, 2024, SBP participants must support new scenarios for the payment and return of cashback using the SBP.

Diasoft supported these changes in the NWS OPCC Operations Coordinator software product, which is part of the NWS Interaction solution. This means that customers of banks using the Diasoft solution will almost instantly receive cashback when paying for purchases through the SBP.

In addition to the possibility of paying and returning the cashback, the following is supported in the product "OPCC Operations Coordinator of the SBP":

• transfers of funds between accounts in different banks (C2C);
• Payment for goods and services (C2B)
• return of funds to buyers or payments from companies to the client (B2C);
• payments to the state (C2G);
• interaction with the NWS application;
• NWS API for agents of trade and service enterprises;
• transfers of funds between accounts of legal entities in different banks (B2B);
• Dispute payments through the SBP (Dispute);

The solution "Interaction with the SBP" is part of the Digital Q.Payments development platform and is developed in a microservice architecture. This makes it easy to integrate it into any IT landscape of the bank to quickly organize information interaction with the SBP OPCC.

Support of information security requirements when processing transactions with digital ruble

Diasoft supported the latest information security requirements when processing operations with a digital ruble. Diasoft announced this on April 15, 2024.

The digital platform is being actively tested ruble Bank of Russia with the participation of real customers, new opportunities and scenarios for using the third form of the national currency are being worked out.

Along with this, information security requirements are increasing when processing operations with a digital ruble. On December 29, 2023, the Bank of Russia published Regulation No. 833-P "On Requirements for Ensuring Information Protection for Participants in the Digital Ruble Platform," which contains new requirements for credit institutions in terms of:

• the use of cryptography when interacting with the digital ruble platform;
• special protection of the infrastructure that participates in the processing of transactions with the digital ruble;
• implementation of increased requirements for data protection in software that users use when performing transactions with a digital ruble.

The regulation entered into force on January 1, 2024, with the exception of certain requirements that begin to operate from 2025.

Diasoft supported these requirements for ensuring the protection of information in the import-independent industrial product Digital Ruble of the Bank of Russia. The product is part of the Digital Q.Payments development platform and provides interaction with the Bank of Russia digital ruble platform in terms of formats and scenarios for servicing individuals and legal entities established by regulatory documents of the regulator.

Advantages of the product "Digital Ruble of the Bank of Russia":

• Seamless easy integration with ABS, RBS and other IT systems of the bank.
• Availability 24/7.
• Work in the secure infrastructure of the bank, ensuring confidentiality and protection of personal data.
• Implementation of the functionality of all business processes and operations with a digital ruble for legal entities and individuals.
• 100% technical readiness - within the framework of TIV, all 43 mandatory scenarios were completed successfully.
• The ability to quickly support and deliver updates, including those related to changes in legislation.

Diasoft specialists are ready to advise on the automation of operations with a digital ruble, compliance with the requirements of the Bank of Russia legislation, including in terms of information security when processing operations with a digital ruble, and the possibility of modifying the product taking into account individual requirements.

Availability of NWS OPCC Operations Coordinator product functionality

Diasoft continues to develop the Interaction with SBP solution, which helps to create a processing ecosystem for connecting to the Fast Payment System (SBP). The solution is part of the Digital Q.Payments development platform and includes three software products: "SBP Translations," "SBP OPCC Operations Coordinator" and "SBP Settlement Center." The company announced this on February 8, 2024.

Now Diasoft customers have access to the functionality of the product "NSPC OPCC Operations Coordinator" according to the NSPK operating bulletins:

• 1. 12.2023_2023.06.14 "On the procedure of settlements between the Participants of the SBP based on the results of the business process" Dispute of the SBP "
  2. 14.2023_2023.06.29 "On the Implementation of the Document" NWS OPCC Standard. Dispute Resolution Guide "

The new functionality "Refund operation on the dispute of the SBP" will allow the bank to return funds to the client with a positive decision of the NSPK on the settlement of the dispute on payment through the SBP.

According to operational bulletin# 14, until January 31, 2024, the NSPK automated system for processing disputed transactions "Dispute +" will check the readiness of the recipient of the business process. If it is not ready, Dispute + will not allow initiating the business process of the NWS dispute.

It is possible to dispute payments through the SBP only for transfers for goods and services (C2B operations), as well as for fast payments to individuals (C2C Push) and transfers to yourself (Me2Me Pull).

2023

Possibility of B2B translations in the software product "NWS Translations"

Diasoft supported B2B transfers through the SBP. The company announced this on October 20, 2023.

In accordance with the requirements of the regulator, all banks by April 1, 2024 must make B2B transfers through the Fast Payment System of the Bank of Russia (SBP). Many credit organizations have already begun to provide customers with this service, since B2B transfers through SBP significantly simplify settlements between legal entities. Payments through SBP are made instantly, around the clock, including weekends and holidays, which is important for the business of many organizations, individual entrepreneurs and self-employed.

Diasoft supported the possibility of B2B translations in the software product "SBP Translations," which is part of the solution "Interaction with SBP." The solution is designed to create a processing ecosystem for connecting to the Express Checkout System.

Connecting the B2B transfer service through the SBP will help banks improve the quality of customer service, provide an up-to-date and demanded service. The implementation and configuration of the solution for the organization of interaction with the NWS takes only 1.5-2 months, said Alexander Bakulin, head of the product "Deposits" of the company "Diasoft."

The solution for interaction with the SBP is part of the Digital Q.Payments development platform from Diasoft. In addition to B2B transfers, it supports transfers between customer accounts in different banks (C2C), transactions for the payment of goods and services (C2B), company payments to the client or refunds (B2C), transfers between own accounts (Me2Me Pull), payments to the state (C2G) and cross-border transfers.

Automation of information exchange of banks with IP "One window" on the Digital Q.Payments platform

On October 12, 2023, Diasoft announced the automation of the information exchange of banks with the One Window IS.

According to the company, on January 1, 2024, Federal Law No. 353-FZ of 14.07.2022, which obliges banks to exchange data with the One Window information system, will enter into force. The solution "Interaction with IP" One Window "from Diasoft" will help to establish the exchange of data with the information system in the field of foreign trade in advance. The solution includes products implemented on the Digital Q.UP and Digital Q.Payments development platforms and allows you to automate the process completely, including integration with the bank's core system. The solution has already been implemented in more than 15 credit institutions. Read more here.

Load testing on the Digital Q.DataBase DBMS

Diasoft specialists conducted the first stage of load testing of versions of products that are part of the development platforms Digital Q.FinancialMarkets, Digital Q.Consumer, Digital Q.Corporate and Digital Q.Payments (formerly Diasoft FA#) and support the work on the import-dependent DBMSigital Q.DataBase. software requirements for optimizing their performance. Diasoft announced this on October 4, 2023. Read more here.

Add a Single Window Payment Investigation Product

Diasoft on July 28, 2023 announced that it had developed a product to investigate payments in one window mode.

The payment investigation is carried out if it was not possible to determine the recipient of the incoming payment, contradictions were found in the details, as well as if a request was received from a bank client or another credit institution.

In this case, the bank employee has to manually monitor requests and responses during the investigation process, which requires a lot of work. At the same time, there is no single workplace for correspondence on the investigation. The process is also complicated by the fact that data can be stored in different IT systems.

The product of the "Investigation" from the company "Diasoft" combines in a single information space the dossier of the investigation, information messages, as well as payment documents that are classified as unclear or require clarification of details after sending the payment. The data obtained during the investigation are automatically systematized. The user has a single workplace for correspondence on the investigation.

When a large number of payments fall into the accounts of unexplained amounts, then in the process of investigation it is difficult to navigate in such a quantity of information. It is necessary to find out which payments require answers, and on which they have already come. They also need to be processed. We have developed a product that accumulates in one place all the artifacts of the investigation, and thus greatly simplified this process, said Pavel Pogorelsky, head of the product department "Calculations and General Ledger," company "Diasoft."

The product is part of the Digital Q.Payments development platform. The implementation of the product in a microservice architecture allows you to integrate it with any settlement systems of the bank.

Integration with PostgreDB

Diasoft On April 17, 2023, the company "" announced the start of the release of versions of products included in the development platforms, and Digital Q.FinancialMarkets Digital Q.Consumer Digital Q.Corporate Digital Q.Payments (formerly the products of the Diasoft FA# line), with support for work on the import-independent DBMS Digital Q.DataBase. Now products for complex automation banksare integrated with the PostgreDB component of the import-independent DBMS infrastructure platform. Digital Q.DataBase More. here

Support cross-border transfers and C2G operations through the SBP

On March 27, 2023, Diasoft announced that it continues to develop the Interaction with SBP solution, which helps create a processing ecosystem for connecting to the Fast Payment System (SBP). The solution is part of the Digital Q.Payments development platform and as of March 2023 includes three software products: "SBP Transfers," "SBP OPCC Operations Coordinator" and "SBP Settlement Center."

The SBP Transfers product now supports instant payments to government agencies (C2G operations) and cross-border transfers through the payment service of the Bank of Russia and the National Payment System.

The functionality of the product "NWS Transfers" provides:

• maintenance of NWS maintenance contracts;
• communication of the telephone number with the customer and the account for crediting funds;
• maintaining a register of received and sent transfers of the SBP;
• setting up the NWS payment rate guide;
• calculation of payment commissions of the SBP;
• control of the possibility of consumable operations;
• maintaining a directory of trade and service enterprises;
• formation of payment documents, including documents for debiting commissions;
• preparation of operational reports and journals of payment documents of the day.

We are confident that the departure of Western payment systems from the Russian market, usability and low commissions in comparison with other payment services will contribute to the growth of the popularity of SBP. As of March 2023, banks offer cross-border transfer services, but many are only testing this possibility. Joining them is simple: our solution is debugged and certified, can be installed in just 1.5-2 months. Also in the near future, the Bank of Russia will provide an opportunity to pay taxes, fines, duties and a number of other public services through the SBP. Banks can already set up back-offices to interact with the SBP OPCC in order to prepare in advance and be one of the first to offer this service to consumers. said Alexander Bakulin, head of the product "Deposits" of the company "Diasoft."

In addition to cross-border transfers and payments to the state, the solution from Diasoft for interaction with SBP supports instant transfer of funds between accounts in different banks (C2C), transactions for payment of goods and services (C2B), return of funds to buyers or payments of companies to a client (B2C), transfers between own accounts (Me2Me Pull), interaction with the SBP application.

Digital Q.Payments products as part of the Diasoft integrated solution "Interaction with IP" One Window "

On March 13, 2023, Diasoft announced that it had developed a product for automating interaction with the One Window IS. The products included in the solution are included in the development platforms Digital Q.UP (from March 2020 to November 2022 - Digital Q.Omnichannel) and Digital Q.Payments and allow you to automate the processes of information exchange between the IP operator and the credit institution. Read more here.

2022

Development of a solution for working with electronic signatures in the product "Electronic Archive"

Diasoft on December 19, 2022 announced the development of a solution for working with electronic signatures in the Electronic Archive product.

In accordance with the Instruction of the Central Bank of the Russian Federation No. 2346-U, banks can organize accounting and storage in electronic form of documents related to the execution of accounting, settlement and cash transactions.

The use of electronic archiving systems has a number of advantages over paper archives:

• Save time and money on creating and managing archives
• Easy and easy to catalog, search, and work with documents
• ensuring the safety of information, avoiding the risk of damage or loss of original documents.

When storing electronic documents, special attention should be paid to ensuring legal significance, authorship, authenticity and protection from changes.

To solve these problems, Diasoft offered customers an electronic archive with the ability to work with electronic signatures (EP).

A number of credit institutions, Diasoft clients, use the Electronic Archive software product, which is part of the Digital Q.Payments development platform, to store electronic documents and automate the creation of write-once disk storage units in accordance with Instruction No. 2346-U. Integration of the "Electronic Archive" with the "HSM Signature Module" SAT allows you to automate the process of centralized generation of electronic documents for electronic documents sent to the archive.

A distinctive feature of the HSM Signature Module SAT is its versatility and ease of embedding in any information systems where the use of EP is required. In particular, Diasoft specialists can offer several schemes for integrating the HSM Signature Module with the Electronic Archive. Integration options depend on the organization's IT landscape and will not require changes to existing business processes.

If in combination with the "Electronic Archive" the software product "Accounting for electronic signatures of documents of the day" from Diasoft is already used, then the integration of the products "Accounting for electronic signatures of documents of the day" and the open source documentation "HSM signature module" is possible. The centralized signing of electronic documents is carried out in the "Accounting of electronic signatures of documents of the day" through the open source documentation. In other cases, the HSM Signature Module SAT can be built into the IT landscape as an independent solution. The process of signing electronic documents is carried out directly in the open source documentation.

The SAR "HSM Signature Module" received a positive conclusion of the Federal Security Service of Russia No. 149/3/2/2487 of 2020 on the result of work on assessing the impact on the regular functioning of CIPF PAKM "CryptoPro HSM" version 2.0 and CIPF "CryptoPro CSP" version 5.0.

SPO "HSM Signature Module" ensures safe centralized use of electronic documents, legal significance of all signed electronic documents, protection of information in the archive against forgeries and distortions.

Support for C2G payments via NWS

Diasoft supported C2G payments through the SBP. The company announced this on December 14, 2022.

More and more Russians prefer a remote method of paying taxes, duties and other payments in favor of the state. As a rule, for this they use the portal or the mobile application "Public services": they pass authentication, fill out forms with a large number of fields, enter the details of a personal account or card. The payment status is not immediately known. C2G payments through the NWS based on information from the GIS GMP will make it easier to pay for public services. In 2023, the Bank of Russia will add such an opportunity to the SBP.

Diasoft has already supported this service in the product "OPCC SBP Operations Coordinator." Using the product, banks will be among the first to provide customers with an instant payment service to government agencies in a mobile application. The development of the customer service and the convenience of this scenario of payment for public services will increase the loyalty of the bank's customers.

We have no doubt that payment for public services through the SBP will be in demand in the same way as other types of instant payments. We have successfully tested the C2G payment service together with NSPK and are ready to offer our product to banks. We will help with its implementation, operation, passing test tests of interaction. SBP is actively developing, we guarantee a timely and "seamless" change of versions of our product, said Sergey Dobridnyuk, head of the product department "Calculations," company "Diasoft."

The product "SBP OPCC Operations Coordinator" is part of the Digital Q.Payments development platform and helps banks automate the process of interaction with the SBP. In addition to payments to the state (C2G), he supports:

• transfers of funds between accounts in different banks (C2C);
• Payment for goods and services (C2B)
• return of funds to buyers or payments from companies to the client (B2C);
• Transfers between the bank's own customer accounts (Me2Me Pull)
• interaction with the NWS application;
• SBP API for agents of trade and service enterprises.

ISO 20022 Payment Messaging Announcement

On November 29, 2022, Diasoft announced that it would help banks switch to the current ISO 20022 payment messaging standard. From November 2022, banks should have the technical ability to receive messages from the Russian and foreign correspondents in the ISO 20022 format - a group of international transmission standards payment information that have been enshrined Bank of Russia as priority.

The difficulty of moving to ISO 20022 is that traditional banking systems are not able to support the required speed and efficiency of processing newly added message formats. Along with this, ISO 20022 and the previous ISO 15022 format do not convert one to one, and versions of the ISO standard 20022 often change.

The ISO 20022 Payment Messaging software from Diasoft allows you to switch to this payment messaging standard. It works with messages of different formats and versions, automatically performing data conversion in accordance with CBPR + rules and other SWIFT standards, as well as rules adopted in banking groups and corporations. The product promptly supports changing versions of the updated message standard.

The ISO 20022 Payment Messaging product is part of the Digital Q.Payments development platform and combines payment documents from the bank's settlement system with payment messages containing information on money transfers, payment processing status, bank statements and other objects in a single information space. The microservice architecture of the product provides high performance and flexibility and ensures that end-to-end business processes are run and managed from a single point.

Support of GOST TLS when exchanging NWS messages

On July 1, 2022, the requirement of Clause 14.2 of Regulation Bank of Russia No. 747-P "On Requirements information protection payment system to the Bank" came into force. Russia Participants SBP and NWS CCP when exchanging NWS messages shall at the transport level ensure the protection of information exchange using means of protection that information have passed the assessment of compliance with the requirements of the federal executive body in the field of security. The company "" Diasoft announced this on September 22, 2022.

Starting from July 1, JSC NATIONAL PAYMENT CARD SYSTEM"," which performs the functions of an operational and payment clearing center when conducting translations using the SBP (OPCC SBP), switched to using the protocol TLS on algorithms GOST (GOST TLS). - Banks the participants of the SBP, in turn, also had to prepare the infrastructure for the transition to the use of GOST TLS.

Diasoft supported the exchange of SBP messages through the HTTPS protocol with support for GOST encryption algorithms in the software product "SBP OPCC Operations Coordinator." The product is designed to automate the creation and processing of payments in the SBP and provides integration between remote banking systems, back-office systems of the bank, a processing center and the SBP OPCC.

To meet the requirements of the regulator on the use of GOST TLS, banks do not have to purchase and implement additional expensive equipment and software. It is enough to switch to the product version "NWS OPCC Operations Coordinator" with support for GOST TLS. GOST TLS encryption contains import-independent algorithms for hashing, encryption and electronic signature, taking into account modern and secure practices for using cryptographic algorithms, said Sergey Dobridnyuk, head of the product department "Calculations" of the department "Operating activities" of the company "Diasoft."

The product "OPCC SBP Operations Coordinator" is part of the Digital Q.Payments development platform and is developed in a microservice architecture on a modern technological stack. It can be integrated into any IT landscape of a financial institution.

The product "SBP OPCC Operations Coordinator" is already successfully used in a number of banks for information interaction with the SBP OPCC using the TLS protocol on GOST algorithms.

Creation of the "Sanctions Currency Restrictions" solution

Diasoft supported the Bank of Russia's requirements to limit currency transactions. The company itself announced this on June 22, 2022.

To stabilize financial the sector Bank Russia , he introduced a number of restrictions on amounts translations in foreign currency and the receipt of cash from foreign currency deposits and accounts. In rapidly changing conditions, the regulator softens the requirements for foreign exchange transactions or introduces other regulations, and banks are forced to promptly respond to changes.

Diasoft has developed a software product for automating back-office processes that ensure compliance with the regulator's restrictions. The functionality of the product "Sanctions currency restrictions," which is part of the Digital Q.Payments development platform, allows you to set restrictions on transfers and issuance of currency, as well as control their compliance with both individuals and legal entities.

The product supports all the current requirements of the regulator regarding the procedure for currency circulation, such as:

• temporary procedure for cash transactions for legal entities and individual entrepreneurs, valid from March 10 to September 10, 2022;
• limitation of funds transfers abroad for individuals, valid until September 10, 2022;
• the possibility of selling to citizens any currency without restrictions, with the exception dollars USA of and, from euro May 20, 2022;
• temporary procedure for issuing funds from foreign currency deposits and accounts of individuals, valid from March 9 to September 9, 2022.

The centralized calculation of possible transactions with the currency is implemented in, microservice architecture which allows you to integrate it into any -landschaft of IT the bank and ensure high processing speed data and fault tolerance.

Diasoft specialists monitor and promptly respond to changes in the regulator's policy. The control rules implemented in the product "Sanctions currency restrictions" are flexible: restrictions can be turned on or off depending on regulatory requirements. In case of changes in legislation, this makes it possible to maintain the rules without significant modifications to the product, which reduces the cost and time of adaptation to circumstances.