Quorum. Bank

Quorum. Bank is the bank platform based on component structure and intended for automation of an operating, accounting and management activity of bank.

The architecture of the platform of Quorum. Bank allows clients to select those components which are necessary for the organization of activity of bank and to add the platform with components, further.

Structure of the platform

System components

Accounting core The compound component intended for implementation five basic functions:

• "Persons and clients" – for maintaining and accounting of all customer information of bank.
• "Ledger" – for accounting of banking activities in cost and natural indicators according to requirements of the Russian accounting rules for Provision of the Central Bank of the Russian Federation of 12/5/2002 No. 205P.
• "Document flow" – the electronic document management system providing execution of the regulated processing of all types of payment documents on intra banking and interbank transactions.
• Finmonitoring – for execution of requirements of the Federal law of 8/7/2001 No. 115-FZ "About counteraction of legalization (washing) of income gained in the criminal way and to terrorism financing".
• "Currency exchange control" – control over the documents containing either currency transactions, or accounts of nonresidents.

Operational service It is intended for maintaining agreements on RKO, service of the checking and current accounts of clients, implementation of non-cash payments and cash services, charge of percent and the commissions, etc. Provides implementation of non-cash payments and cash services of clients, a possibility of automation of payment of housing and public utilities and interaction with Bureau of credit histories.

Settlement center It is intended for automation of calculations through the Bank of Russia in the Unified format of electronic banking messages format, interfilial calculations, payment under accounts of LORO/NOSTRO, and also acceptance and sending payments on the BESP system.

Deposits It is intended for complex process automation, the funds of physical persons and legal entities connected with attraction. It allows to manage standard deposit products and also effectively and quickly to create individual schemes of customer service. This component is basic for creation of different processes of retail service of the population and is used for execution of operations with plastic cards, consumer crediting, acceptance of utility payments, implementation of money transfers, conversion transactions, etc.

Crediting

• Individuals
  • It is intended for complex process automation of providing credit products to individuals. As a part of a component specific credit products are implemented: consumer loans, car loans and mortgage. The opportunity of automation of the credit front office is given.

• Legal entities
  • It is intended for complex process automation of providing loans, overdrafts, opening of credit lines, etc. to legal entities. Gives ample opportunities for flexible configuration of "non-standard" agreements, the automated processing of incoming payments.

Bank cards It is intended for process automation of bank, connected with issue and acquiring activity. The component has own instruments of setup, in addition to the general opportunities for all system: setup of tariff plans, the choice of the scheme of accounting, setup of accounts in different cuts, reference books.

Cash transactions and accounting It is intended for execution of operations on receiving and delivery of cash and other values taking into account requirements of Provision of the Central Bank of the Russian Federation of 10/9/2002 No. 199-P and the Instruction of the Central Bank of the Russian Federation of 4/28/2004 No. 113-I, and also with providing retail services to individuals. Gives to bank an opportunity to perform a full range of operations on work with individuals.

Currency dealing It is intended for automation of an execution of agreements with partners, registration of events and accounting of transactions, reservations of means under transactions, accounting of help data for dealing transactions, including payment instructions of partners and obtaining necessary reports at implementation of dealing transactions.

Tax accounting It is intended for ensuring accounting in commercial banks according to requirements of Chapter 25 of the Tax Code of the Russian Federation.

2017

Support of use of the address qualifier of the Federal Information Address System

Specialists of Kvorum company performed a number of works for support of use of the address qualifier of Federal Information Address System in business processes of banks. Now in the core banking system the changed structure of address objects according to formats of the Federal Information Address System (FIAS) is supported. Functions of loading and storage of address data are upgraded.

The reference book FIAS will replace earlier used Qualifier of the addresses of the Russian Federation (KLADR). Both reference books are used by credit institutions in many business processes, for example, for execution of paper and electronic documents in which it is required to specify the addresses of clients, for identification of clients according to the legislation in the field of counteraction of legalization (washing) of income gained in the criminal way and to terrorism financing, etc.

According to the message of the Federal Tax Service of 6/8/2017 for the purpose of unification of the address data which are contained in different information resources, unloading of address data in the KLADR format will be performed till 12/31/2017. After 12/31/2017. data from the state address register will be unloaded only in the FIAS format.

Integration of a CIPF for protection of the electronic messages sent to the Central Bank of the Russian Federation

The Kvorum company announced on August 8 "embedding" in the core banking system of own development of the means of cryptographic information protection (MCIP) for the purpose of ensuring protection of the electronic messages sent to the Bank of Russia and also about creation of the autonomous core banking system-independent utility with similar functionality.

In general allows banks to use the solution during the work with any core banking system a CIPF according to regulations which are set for operation of software of the software package "The Automated Workplace of the Client of the Bank of Russia New" (KBR automated workplace PC H). In more detail about the solution it is possible to read here.

Support of Provision 550-P

The Kvorum company included in structure of the core banking system new functionality in support of requirements of Provision of the Bank of Russia of July 20, 2016 N 550-P and also implemented additional services of processing of information obtained from the regulator for the purpose of risk minimization.

Since June 26, 2017 the Bank of Russia will begin to transfer to credit institutions in electronic formats according to Provision 550-P of July 20, 2016 the consolidated all-market data on failure cases in accomplishment of the order of the client about operation, failure from signing of the contract of the bank account (deposit) and (or) bank account agreement termination (deposit) with the client.

Specialists of Kvorum company developed mechanisms of data loading of the electronic message of the regulator in the core banking system, formations, maintaining and updating information "The reference book of failures". Clients of Kvorum company will locate the solution on support by Provision 550-P just in time.

Additional services of processing of information obtained from the regulator are in addition implemented. In particular, procedures of check on entry of clients of bank into lists of persons to which for any reason it was refused performing transactions, signing of the contract of the bank account are developed or there was an agreement cancelation fact at the initiative of bank. Individuals are checked according to such details as the Full Name, date of birth, the identity document, a TIN, and for SP – PSRN. For legal entities an inspection is carried out on couple of details TIN and PSRN. Results of check are entered in the protocol which is unloaded in the MS Excel.

To clients of bank, data on whom are detected in lists of the regulator, a certain attribute is automatically appropriated. It is brought in the client's card, and to the employee of the bank at commission of the next transaction with the client the warning message for making decision on continuation or the termination of transaction is given.

This functionality provides viewing information both on the client, and about failure parts, namely - date of failure, a failure mode, the failure basis, etc. The analysis of these data will increase the accuracy of identification of doubtful clients, will allow to make the justified personified decision on the client and, finally, will provide risk minimization on clients.

Support of the Instruction of Bank of Russia No. 4212-U is implemented in the core banking system

The Kvorum company carried out completions of the module "Official and Internal Reporting" according to the Instruction of the Bank of Russia No. 4212-U. Updating there underwent more than 30 forms of the obligatory reporting as a part of the core banking system.

Due to the commissioning of the Instruction of the Central Bank of the Russian Federation No. 4212-U of November 24, 2016. "About the list, forms and an order of drawing up and representation of forms of the reporting of credit institutions in the Central Bank of the Russian Federation" the Instruction of the Central Bank of the Russian Federation 2332-U is cancelled of 11/12/2009. The new regulation makes significant changes to the obligatory reporting.

In some forms of change had purely cosmetic character. For many the list of the data included in calculation that led to change of appearance of printed forms was changed. The most considerable works had to be carried out for forms in which exchanged also the list of the data included in the report, and a drawing up algorithm.

Complication of requirements of the regulator to the reporting provided by credit institutions - an enduring call for developers of banking systems. The Kvorum company quickly reacts on change of the regulatory base and timely adjusts the corresponding techniques, algorithms and regulations.