Banking System

RABIS is a complex banking system developed for the Dalryb Bank. The fully operative, comprehensive system has been in operation for over 10 years. It is being used at several banks in Russia and is merely updated and maintained.

The distinguishing features of the RABIS automated banking system are:
 

	Universal development environment which allows the achievement of 100% compatibility between the UNIX platforms of Hewlett Packard, IBM, Sun Microsystems, SCO (Intel) and, owing to Use of industrial RBDMS of ORACLE corporation. Use of standard protocol Telnet to organize the workplace.
	Universality Net service w.3.1 is a program package implemented in RABIS which helps carry out net transactions, transmit messages and files over IP nets. It also can function independently of the system. For example, the use of the package on the communication server of the CLIENT-to-BANK system.
	Reliability Use of high-quality equipment, certified techniques, duplication of basic key nodes and systems, power failure protection.
	Safety At the programming level, the safety system of the RABIS comprises several protection levels:    1) Operating system level    2) Application program level    3) RBDMS level. The safety system provides for multilevel methods of control. All users are divided into classes and groups, which have rights to operate the system. For external users (of the self-service system, the Client-to-Bank system, the Clearing Center system, interbanking credits system), special codes are generated, that is, keys to the electronic signature of the client-to-bank system with a key diskette. Under the operation via open communication channel codes, electronic signatures and check sums are used. Such authentification prevents unauthorized attempts to send "forged" messages.
	Remote Diagnostic and Control Tools The system allows testing of technical and program resources from remote nodes, for example, in affiliates connected via the external network. Owing to this, the bank doesn't have to keep qualified personnel in every branch but only in the main office, without loss in effectiveness and quality of system maintenance. The system offers the following features:    1)    Review active processes table    2)    Review active users table    3)    Review the system journal    4)    Review the safety module journal    5)    Start/stop the network queries    6)    Change the system time    7)    Control and maintain the system safety
	Universal interbank real-time calculation system. For a banking employee the incoming form of a payment document remains unchanged. Irrespective of whether it is a local payment, an inter-affiliate or an external transaction handled by the SCC (Settlement Cash Center).
	The multi-currency unit of RABIS is the principal feature for book-keeping different currency units separately. Any currency unit can be set as the national one. Accounting is kept separately for each type of currency. We developed a new software package for currency transactions for the DalrybBank, which makes input of multilined documents a matter of a simple keystroke. The feature allows users to

1. Keep debit-credit accounting for several accounts;
2. Keep records of debt on several accounts;
3. Run transactions under various commission rates chosen from the reference journal;
4. Solve complex tasks to do with acquiring data concerning currency transactions from many offline tellers.

	Dynamic re-estimation. This feature allows the performance of corrective operations for any closed day and immediate recalculation of current and planned remainders and turnovers for chosen accounts.
	Support of multi-affiliate banking provides for:

1. Receipt of consolidated reporting;
2. Automated routing and payment remittance;
3. Entering the database of an affiliate from the central office and analysis of current status;
4. Maintenance of an affiliate's database synchronized with the common database of the central office;
5. Scalability of the system by means of employees operating the Bank-to-Client system;
6. Flexible reporting. The system stores all the reports issued by the Central Bank. It also has a powerful report form generator so any report is created instantaneously.

	Independent Currency Operation Servicing. The client can be served at any banking agency no matter where his account is opened. Running transactions via SCC (Settlement Cash Center) is performed in real time.
	Quick generation of balance sheet information on clients for the previous 5 years.
	Use of the powerful and flexible ANALYTIC system created with Oracle Developer 2000.
	ONLINE support to the client side of the Client-to-Bank system.
	Wide range of scalability from 1 to 1000 work places.
	Wide range of plastic cards accepted that can be cashed in many cash machines.
	Easy transition to new charts of accounts.