|
Features
|
|
A
central database containing all the
information of all the branches. Branches
can be geographically spread out yet
be connected to the central server.
|
|
|
All
modules are fully integrated, and
inter-module operations are automatic.
TC/4 has a dynamic product development
environment. This enables addition
of products and services online in
real-time, based on market requirements,
enabling the bank to gain an edge
over competitors. |
|
|
It
is a customer-centric system. The
customer is 'global' to the system
and can be viewed as a single entity.
Customer limits are set up centrally
and are accessible form the various
modules and branches. |
|
|
Transactions
generated by all the modules are posted
online in real-time by the system.
The transaction numbers generated
are unique, and the system provides
a comprehensive audit trail for all
transactions. TC/4 uses standard transaction
message formats that are common across
all modules. |
|
|
TC/4
is available on a 24x7x365 basis and
facilitates anywhere, anytime banking. |
|
|
Reporting
for multiple profit and cost centres
is possible through the fully integrated
multi-currency general ledger system. |
|
|
The
vast reporting capability of the system
provides for a variety of reports
that can be generated using different
user-defined criteria. |
|
|
The
system is extensively parameterised
(data driven) and provides flexible
user-definable / selectable parameters
like setting the system parameters,
interest rate structures, etc. |
|
|
TC/4
has field-level context-sensitive
online help that pops up in a window
whenever the user prompts for it. |
|
|
TC/4
is completely multi-currency, and
it is possible to have a maximum of
999 user-defined currencies. |
|
|
TC/4
provides multi-lingual support that
allows the user to have screens and
reporting in any language. |
TC/4
comprises various sub-systems/modules,
and supports the following modules/functions/features:
Core
modules
|
|
Customer
information system |
|
|
General
ledger |
|
|
Deposits |
|
|
Loans
and loan applications |
|
|
Clearing |
|
|
Financials |
|
|
Credit
lines and collaterals |
|
|
Parameterisation
and security (online headers, product
development environment, branch administration,
fees and commissions, and penalties) |
Additional
modules
|
|
Standing
instructions |
|
|
Travellers'
cheques |
|
|
Remittances |
|
|
Safe
deposit lockers / safe custody services |
|
|
Executive
/ management information system |
|
|
Signatures |
|
|
Collection
items (bills), discounting of bills |
|
|
Guarantees
/ letters of credit / deferred payment
guarantees |
|
|
Sundry
assets and sundry liabilities accounting |
|
|
Syndicate
Loans |
Utilities
and services
|
|
Financial
and non-financial history |
|
|
Branch
EOD and report generation |
|
|
Diary
management |
|
|
Prime
rates (interest rate mechanism) |
|
|
Document
preparation (print forms) |
|
|
Report
viewer |
|
|
Report
distribution (inter-branch messaging,
distribution of documents) |
Interfaces
|
|
ATM |
|
|
EFT
POS |
|
|
eCheques |
|
|
Internet
banking |
|
|
SWIFT |
|
|
IVRS
(tele-banking) |
|
|
Trade
finance |
|
|
Treasury
and risk management |
|
|
WAP |
Technical
architecture, hardware and software platforms
|
Hardware installed
–
host central server
|
HP (Unix), Linux,
Sun (Solaris), IBM (AIX) and Compaq
(Tru64)
|
|
Operating system
–
host (central server side)
|
UnixWare / Linux
|
|
RDBMS –
host (central server side)
|
Oracle 9i server
or upward compatible
|
|
Hardware
–
branch server
|
Pentium
III/IV machines
|
|
Operating
system –
branch server
|
Windows
2000 / 2003 server
|
|
RDBMS
–
branch server
|
MS
SQL server
|
|
Hardware
–
branch client
|
Pentium
III/IV machines
|
|
Operating
system –
branch client
|
Windows
2000
Prof/XP
|
|
Application
software
|
TC/4
|
|
Network
topology
|
Tree
topology
|
|
Programming
languages
|
Visual
Basic 6.0
|
|
Middleware
|
Tuxedo
|
|
Security
features
|
User
level, application level
|
Strengths
|
|
Anytime,
anywhere banking |
|
|
Interface
possible at central level for various
delivery mechanisms like internet
banking, tele-banking, ATMs, etc.
|
|
|
On-line
bank-wide MIS |
|
|
Centralised
control from the host site and enforcement
of procedures |
|
|
Ease
of addition of new branches |
|
|
Cost-effective
disaster recovery set-up |
|
|
Easy
introduction of new products / services
at the bank level |
|
|
Automated
inter-branch reconciliation |
|
|
Data
warehousing support |
|
|
Requirement
of technical expertise only at the
central site |
Experience
|
|
All branches of the National Bank
of Bahrain, Bahrain have implemented
TC/4 on November 5, 2004. With this,
the bank has a centrally-controlled
total banking solution which provides
for anytime, anywhere banking with
various delivery mechanisms, including
internet banking, tele-banking and
ATMs, as well as online bank-wide
MIS and automated inter-branch reconciliation.
|
|
|
At
the United Western Bank, India over
170 branches are online with interfaces
to the ATM switch, RTGS, Cash Management,
Trade Finance, Treasury. All the branches
are connected to the Central Server
with the Disaster System well in place. |
Indicative
client list
|
|
United
Western Bank Ltd |
|
|
National Bank of Bahrain |
Case study
Contact
Head - BFS
CMC House
C-18, Bandra-Kurla Complex
Bandra (East)
Mumbai - 400 051
Tel: 022-26591000-2
Fax: 022-26591046
Email : bfs@cmcltd.com
TC/4
summary
TC/4
architecture
|
