RuL’Rise — an automated information system for servicing individuals
The system is designed to automate retail business processes of a commercial bank and provides the bank with ample opportunities for customer service, flexible settings and automation of mass processes, prompt data analysis
Module Benefits:
The system consolidates all data into a unified space, enabling seamless integration and instant access to information
About project
- Single centralized customer database
- Unified information system across all sales channels
- Three-tier architecture (database server, application server, user workstation)
- Secure storage of system user credentials
- Modern and reliable DBMS (Database Management System)
- Separation of front-office and back-office functions
L’Rise Functional Capabilities:
Remote banking services
Banking product design
Accounting for banking operations
Information on current status of operations, accounts, contracts
Interaction with external information systems (ERIP, Credit Bureau, Ministry of Internal Affairs databases, International transfers, Service providers, Ministry of Labor, State Social Security Fund)
Comprehensive servicing of individuals
Module “Current Accounts and Deposits”
Functional complex for conducting all operations on servicing deposits and current accounts of individuals
Module advantages:
Single customer file
Separation of back office and front office functions
Automation of all deposit calculations
Functionality of the “Current Accounts and Deposits” module
Design of deposit products
Flexible setup of deposit interest rates
Selection of a deposit product according to the conditions specified by the client
Automatic opening of an associated current account for interest accruals, remaining deposit balance at maturity of the associated current card account
Arranging deposits via remote banking systems
Payment of interest in accordance with the terms of the agreement: on the deposit opening date, daily, monthly, etc. to the associated current (card) account or by capitalizing interest
Automatic mass interest calculation on deposits
Automatic calculation and withholding of taxes on interest income in accordance with legislation
Automatic recalculation of interest in case of early deposit termination
Non-cash payments, including international transfers, from current accounts and deposits
Automatic closing of the deposit with transfer of the deposit amount and interest in accordance with the terms of the agreement
Automatic transfer of inactive balances to the appropriate accounts according to legislation
Execution of a power of attorney for a deposit, a group of deposits, a current account with automatic collection of commission according to the bank's tariffs
Execution of a testamentary disposition
Execution of a standing payment order for disposal of funds in a current account, deposit
Automatic currency purchase when funds are received in the account according to the settings of the Currency Manager
Interaction with the Automated Information System for Execution of Monetary Obligations
Module “Bank Payment Cards”
Module for card issuance, account management and cards, transaction processing, payments
Module advantages:
Single customer file
Support for the full life cycle of a card product
Calculation of the full range of fees, including transactional and event-based, debiting from card
Interaction with the bank's information systems and software modules of the processing center
Providing capabilities for retail business management: money-back, loyalty programs, bonuse, installment cards, partnership programs
Flexible reporting system
Functionality of the “Bank Payment Cards” module
Card Product Design
Maintenance and accounting of customers, accounts, contracts and cards
Working with current, deposit and credit accounts associated with the card
Overdraft lending (with Grace period)
Card issuance: debit, instant issue, virtual, tokenized
Card logistics (accounting, movement, cancellation, destruction)
Maintaining salary projects, processing of payroll
Corporate cards with joint and separate accounting
Direct interaction with the bank's information and analytical systems
Interbank settlements, reimbursement of acquiring commission
Acquiring of payment cards: cash deposit/withdrawal/balance inquiry/blocking by card details
Synchronization with processing centers (Tieto CardSuite, SmartVista), via file exchange, db-link, WebServices
Working with online processing protocols (online card blocking, receiving PIN via SMS, connecting to 3D Secure, individual limits, etc.)
Calculation and collection of commission fees from the card in accordance with tariffs
SMS notifications about card events, sending PIN/CVV
Compliance with PCI DSS standards
Discounts and bonuses, installment cards, partnership programs
Integration with payment services Apple/Samsung/Android Pay, Iss Walet
Used Online interfaces protocols:
- POS Terminals based on ISO 8583:1993,
- Native ISO 8583:1993(E)
- Symbols Version 4.2.13
- POS Concentrator terminals 1.06.09
Module “Operational Cash Desk”
Full range of operations with cash, precious metals, coins and precious stones: from accepting any type of payment to buying diamonds
Module advantages:
Unified customer base
Fast customer identification using the "Regula" document reader
Ability to create a basket of payments
Separation of front office and back office functions
Centralized maintenance of orders to set exchange rates
Upload of entries to the bank's balance sheet
Integration with Ingenico, PaxS80, Verifone payment terminals
Integration with international transfer systems "Zolotaya Korona", "Contact", "Unistream"
Optimization of the cashier's work
Optimal cashier interface
Functionality of the “Operational Cash Desk” module
Purchase, sale, conversion of currencies
Cash and non-cash transactions
Operations with precious metals and stones, standard ingots, commemorative coins
Registering transactions at the cash desk:
Accepting ERIP payments
Repayment of loan debt
Receipt and payout of international transfers
Replenishment and withdrawal of funds from a payment card
Exchange, splitting, collection
Replenishment and transfer of funds
Orders for cash and non-cash exchange rates
Possibility of using digital signature
Generating and printing cashiers' shift reports
Generating and exporting entries to the bank's operational day
Module “Loans”
Processing and reviewing loan applications, full loan maintenance cycle from application to closure
Advantages:
Single customer file
Automatic decision making when reviewing applications
Separation of back office and front office functions
Informing the client at all stages of the loan agreement management
Support for the full life cycle of the loan agreement: from application submission to full repayment
Functionality of the “Loans” module:
Comprehensive servicing of individuals
Design of loan products
Flexible setup of loan interest rates
"Loan pipeline": submission, review, decision making (including auto-approval based on scoring models and analysis of information from external systems)
Loan disbursement with automatic opening of accounts for loan debt accounting, loan collateral
Automatic transfer of the loan amount to the cash desk, customer's card account, supplier's account for goods (services) depending on the customer's wish
POS-loan
Online lending
Automatic mass calculation of interest, penalties, forfeits, reserves, transfer to overdue status, to bad debt
Individual work with a separate loan agreement
Maintaining schedules for collateral monitoring and insurance payment schedules with automatic accrual of fines for violation of agreement terms and sending SMS notifications about monitoring terms
Repayment under the loan agreement and its subsequent closure
Identification of problem loans, informing the client (including via SMS notifications)
Interaction with the Credit Register
L’RISE system functional complexes
FC "Payment acceptance"
FC "Sale of WebMoney and EasyPay electronic money"
FC “Performing insurance brokerage functions”
FC “Placement of own bond issues”
FC “Placement of third party bond issues”
FC “Savings certificates”
FC “Express transfers”
FC “International transfers in the CONTACT system”
FC “Acceptance of revenues from legal entities and individual entrepreneurs”
FC “Graphical analysis”
FC “Bank storage of valuables”
FC “Acceptance and transfer of money transfers of the Zolotaya Korona payment system”
FC “Statistics”
FC “International transfers”
FC “Interaction with the Raschet system (ERIP)”
FC “Reports”
FC “Banking agreements”
FC “Banking operations”
and other FCs
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