Object oriented model for Bank Account Number Portability
|
|
- Thomas Garrison
- 8 years ago
- Views:
Transcription
1 Object oriented model for Bank Account Number Portability Dr. Sonali Agarwal Assistant Professor, Indian Institute of Information Technology, Allahabad, India. Ankur Agarwal Banking Professional, Allahabad, India. Abstract In this present era, the growth of financial transactions are increasing tremendously due to availability of new products for customers. In banking Systems the account number is considered as a distinctive identification of transaction processing. In India there are more than 85,000 branches of banks, offering wide selections of banking services to the customers. It is also very obvious that customers are increasingly switching their banks for various reasons. The paper proposes a universal model for Bank Account Number Portability which may reduce the efforts of banking system and provides a seamless integration of services in more secure environment. It consists a three tier architecture with layered process flow for the management of Universal Bank Account Number. An object oriented model has also been proposed for Bank Account Number Portability (BANP) Using C++ and Visual Paradigm of UML. II. PROPOSED MODEL AND MODERN REQUIREMENTS The previous methodologies for universal banking account numbers are either not unique in nature or very complicated in numbering format. The numbering sequence of universal bank account number is mainly based on the initial alphabet of either the location of branch or the name of customer owing the account. But this technique still has some limitation in both case of sharing among branches and unique identification. The previous techniques do not guarantee about occurrence of conflict during the portability of a bank account between two banks. The Bank Account Number Portability flow through intermediate authorizing bodies is an authentication based process as shown in the figure 1 below: Keywords- Universal Bank Account Number, Object Oriented Model, Bank Account Number Portability (BANP), Unified Modeling Language (UML). I. INTRODUCTION After introduction of mobile number portability, there is an urgent demand to introduce common bank account numbers for all the banks to facilitate interoperability among banking system. It is clearly established that an universal model for Bank Account Number Portability may reduce the efforts of banking system and provides a seamless integration of services in more secure environment. Although account number portability is accepted as an revolutionary idea to increase customer satisfaction, transparency and neutralize the competitive environment of current banking system, it has several challenges. Currently there are approximately 600 millions bank accounts exist with various banking organizations [1]. Every Bank organization has its own account number format which is based on certain bank and branch related information. Generating an Universal bank account number needs an independent format so that it will commonly accepts by all banking systems. There ia an urgent need to adopt common KYC and risk profiling rules so that the customer credentials may be evaluated under common standard acceptable by all banks. Figure 1: Sequence Diagram for showing the process of account portability When a client closes an existing bank account and wants to open a new account in another bank, the following essential parameters are needed to consider for the operation: The financial cost of closing an account is an overburden. Most of the customers are either not aware about the real cost of their present bank account or not in a position to compare costs correctly while changing the bank
2 The complex process of replacing, changing or updating out-bound and in-bound payment mandates issued to Banks, Life Insurances, Mutual Funds, Financial Institutions, Governmental Departments etc. The bank account number must be defined through the Universal Distinctive Bank Account Numbering Scheme [1] which helps to magnify the mobility of the account portability scenario. The Universal Bank Account Number (UBAN) must be registered at a central repository and shared among all bank organization. The interchanging authentication procedure of the universal banking account number must be transferred only through the authorizing body. The Universal banking account number must be supported by the UID authority not only for avoiding conflicts with the other account number but also it provides a unique authentication of the client. III. THE PROPOSED ARCHITECTURE OF THE UID BASED ACCOUNT PORTABILITY A three tier layered architecture is shown in figure 2 for UID based account portability. A central repository, which may be a national level Data Warehouse, is required to be maintained. This will store the core data elements which is useful for all banking organization. It should be also accessible by any bank organization for getting the basic information about customers including their unique identification number such as PAN or AADHAR etc [2]. Figure 2: Three Tier Layered Architecture of Bank Account Number Portability system Bank Specific Data Warehouses should be maintained. This may be confined to individual banks with their financial information. All personal details including KYC and risk profiling of the customers may be stored at this level and it may be kept confidential for any kind of unauthorized access. All operational data related to day to day customer transaction may be kept at branch level and need not to transfer to its upper level every time in a day to avoid overload. It may be transferred at the end of the day when all transaction are verified and performs their commit operations at branch to update the master database of the bank. IV. PROPOSED ACCOUNT NUMBER FORMAT In the proposed model of account number portability process the technique to identify a customer bank account is based on a sixteen digit representation [3]. The sixteen characters of the bank account number are mainly divided into 4 parts as follows: The first part of the account number containing 5 digits, which is derived from the first five letters of the name of the customer by using the following conversion techniques. All the upper case alphabets will be replaced with numbers as follows, A-K-U-0 B-L-V-1 C-M-W-2 D-N-X-3 E-O-Y-4 F-P-Z-5 G-Q-6 H-R-7 I-S-8 J-T-9 The second part of the account number containing a 3 digit structure containing the account type. For example 001 Saving account 002 Current account 003 Overdraft account 004 Education Loan account 005 Housing Loan account 006 Term Deposit account.. etc. The third part of the account number contains 7 digits which represent the counter for the customer number identification. And the last digit of the account number contains a checksum generated randomly to avoid any duplicate account number generation
3 V. OBJECT ORIENTED REPRESENTATION OF THE PROPOSED MODEL The CRC (Class Responsibility Collaboration) diagram has been prepared for a Banking System with Account Number Portability. Visual Paradigm for UML Quick Start is a tool used to design the Object Oriented Model. Visual Paradigm for UML, VP-UML, is a UML CASE supporting Tool for Business Process Modeling from the Object Management Group [4]. VP-UML supports the key industrial standards such as XMI, Unified Modeling Language (UML), etc. It offers a complete toolset of software development teams which is needed for test planning, class modeling, software planning, requirements capturing, data modeling, and etc. In addition of modeling support, it provides the report generation and code engineering capabilities. It can reverse the engineer diagrams from code, known as reverse engineering and provides the round-trip engineering for various programming languages [5] [6] [7]. The core classes for the model are as follows: Bank_ Account_ Number_ Generator Class is shown in figure 3. This generates Universal Bank Account Number as discussed. A class National_Banking_Authority is designed to map the universal bank account number with unique identification of a customer. Figure 5: CRC for National_Banking_Authority A class Account as shown in figure 6 is designed to show the account type. It may have distinct account number for different types of account. Figure 3: CRC Card for Universal Bank Account Number Generation Customer Class is shown in figure 4. This holds all basic information about customer. Figure 6: CRC card for Account The Branch specific operational data is stored with the help of transaction Class which is shown in figure 7. Figure 4: CRCCard for Customer Figure 7 : CRC card for Tranaction
4 Another classes such as bank, branch, product type are also designed for subsequent operations and shown in figure 8, 9, 10. a. Customer bank account + unique ID is required for verification b. Send to central repository for customer s unique ID verification c. If verified that bank name and code d. Access send to old bank and details verified e. If verification successful the required database is moved from old bank account to new bank account f. Send confirmation to both 3. If no account exist a. Comply KYC, Risk Profiling and generate new account number. b. Store KYC, Risk profiling and Account number to central repository and update bank master details. Figure 8: CRC card for Product Type The banking process flow is explained with the help of snap shots of core functions such as Account_open_process, Central_Repository, New_Bank and Old_bank. Figure 9: CRC card for Branch VI. Figure 10: CRC card for Bank PSEUDO CODE FOR MODEL DEVELOPMENT Following are the necessary steps for working with universal bank account number system along with its interoperability features: 1. Request to open an account 2. If the account exist in any other bank
5 when the cost of termination of the relationship with the old bank is very high. Due to the above causes, even after entering into a new interaction, clients hold on to their old banking accounts. The hassle of switching of account number of the client from one bank to another is a complex process. Keeping multiple accounts is one of the major root causes of having bad loan practices and money laundering. This clearly indicates the need of Account number portability. Banking experts across the world are having their view that account mobility will enhance the competition in the area of retail banking. Bank account number portability method will encourage the banking organizations to be more focused on customer services and satisfaction as well as more transparency in pricing. The client should be free to choose a bank for its financial service. VII. CONCLUSION Rather than terminating their existing account, some clients would like to start a new account at another bank especially REFERENCES [1] Official website of Reserve Bank of India, [2] Official website of AADHAAR 5&Itemid=2 [3] M V N K Prasad, S Ganesh Kumar, Universal Distinctive Bank Account Numbering Scheme, IDRBT Working Paper No. 10. [4] Official Website of Visual Paradigm [5] Manish Jain, Kumar Kudidhi, Bank Account Number Portability A Perspective, Finacle, Infosys Limited, [6] Bank Accounts over Europe:tradition & tools & trends Cycle of 10 European Workshops Mutual Learning on Financial Inclusion Opening European Workshop with Certificate 2008 [7] The Dutch Interbank Switching Support Service, retrived on march
Bank Account Number Portability - A Perspective
Bank Account Number Portability - Universal Banking Solution System Integration Consulting Business Process Outsourcing Bank Account Number Portability -... 1 1. Background...3 Switching banks versus maintaining
More informatione-gateway SOLUTION OVERVIEW Financials HCM ERP e-gateway Web Applications Mobile Devices SharePoint Portal
e-gateway SOLUTION OVERVIEW In an effort to manage mission critical information better, perform their daily tasks more efficiently, share information to key stakeholders more effectively, and ensure that
More informationAuthentication Scenarios India. Ramachandran
Authentication Scenarios India Ramachandran India 1.2 billion residents -640,000 villages -~800 million mobile, ~200-300 mn migrant workers Authentication Scenarios Government e-praman authentication framework
More informationDesign and Study of Security Model for Core Financial System
Abstract Design and Study of Security Model for Core Financial System The need of security model is to provide secure data warehouse for core financial institutes. Security model for core financial system
More informationBANKS AADHAAR ENABLED PAYMENT SYSTEM
FREQUENTLY ASKED QUESTIONS BY BANKS FOR AADHAAR ENABLED PAYMENT SYSTEM Page 1 1. What is AEPS? AEPS is a new payment service offered by the National Payments Corporation of India to banks, financial institutions
More informationSwabhiman-ICT based Financial Inclusion Implementation- A Case of Bank of Maharashtra
Swabhiman-ICT based Financial Inclusion Implementation- A Case of Bank of Maharashtra Hello. I am Devdatta Rokade. I am from Bank of Maharashtra. I am here today to discuss with you all about ICT based
More informationIDRBT Working Paper No. 11 Authentication factors for Internet banking
IDRBT Working Paper No. 11 Authentication factors for Internet banking M V N K Prasad and S Ganesh Kumar ABSTRACT The all pervasive and continued growth being provided by technology coupled with the increased
More informationAADHAAR ENABLED PAYMENT SYSTEM
FREQUENTLYASKEDQUESTIONS BY CUSTOMERS FOR AADHAAR ENABLED PAYMENT SYSTEM Page 1 1. What is AEPS? AEPS is a new payment service offered by the National Payments Corporation of India to banks, financial
More informationAn Easy, Secure and Reliable Online Shopping & Payment System
An Easy, Secure and Reliable Online Shopping & Payment System Ripan Kumar Basak 1, Dr. Avula Damodaram 2 1 JNTUH, School of Information Technology, Kukatpally, Hyderabad, Telangana, India-5000 85 2 Professor
More informationesign FAQ 1. What is the online esign Electronic Signature Service? 2. Where the esign Online Electronic Signature Service can be used?
esign FAQ 1. What is the online esign Electronic Signature Service? esign Electronic Signature Service is an innovative initiative for allowing easy, efficient, and secure signing of electronic documents
More informationINNOVATOR. The integrated tool suite for business process and software engineering
The integrated tool suite for business process and software engineering Use the synergy: The integrated tool suite for business process and software engineering is the only integrated tool suite for business
More informationWHITE PAPER. Let s do BI (Biometric Identification)
WHITE PAPER Let s do BI (Biometric Identification) Fingerprint authentication makes life easier by doing away with PINs, passwords and hint questions and answers. Since each fingerprint is unique to an
More informationPrivacy preserving technique to secure cloud
Vitthal S. Gutte Pune University, MIT College of engineering, Kothrud, Pune 411038, India vitthalgutte2014@gmail.com Privacy preserving technique to secure cloud Prof. Priya Deshpande Pune University,
More informationP4U JOBS PVT LTD. Dear Sir/Madam,
Sub: A proposal for strategic collaboration with the Government to reduce unemployment, empower students and change the scenario of Human Resource sector across the state. Dear Sir/Madam, Greetings from
More informationHow To Use Blackberry Mobile Voice System On A Blackberry Phone
B l a c k B e r r y M o b i l e Vo i c e S y s t e m BlackBerry Mobile Voice System Mobile Unified Communications Mobile Voice System ( MVS) is designed to unify desk phone features on smartphones and
More informationIndian Banks Association & Institute for Development and Research in Banking Technology. FOR FINANCIAL INCLUSION (Ver.1.2)
1 Indian Banks Association & Institute for Development and Research in Banking Technology OVERVIEW DOCUMENT OPEN STANDARDS FOR SMART CARD BASED SOLUTIONS FOR FINANCIAL INCLUSION (Ver.1.2) 2 Contributors
More informationA Practical Perspective on the Design and Implementation of Enterprise Integration Solution to improve QoS using SAP NetWeaver Platform
A Practical Perspective on the Design and Implementation of Enterprise Integration Solution to improve QoS using SAP NetWeaver Platform K.KRISHNA MOHAN 1, A.K.VERMA 1, A.SRIVIDYA 1, 1 Reliability Engineering
More informationOnline Banking Agreement & Disclosure
Online Banking Agreement & Disclosure This Agreement provides information about the CITIZENS FIRST Online Banking service and contains the disclosures required by the Electronic Funds Transfer Act, as
More informationObject-Oriented Systems Analysis and Design
Object-Oriented Systems Analysis and Design Noushin Ashrafi Professor of Information System University of Massachusetts-Boston Hessam Ashrafi Software Architect Pearson Education International CONTENTS
More informationStrategic Goals. 1. Information Technology Infrastructure in support of University Strategic Goals
Strategic Goals 1. Information Technology Infrastructure in support of University Strategic Goals a. Work toward building a modern data center and providing data services that support campus units and
More informationVisual Paradigm product adoption roadmap
Visual Paradigm product adoption roadmap Model-Code-Deploy Platform Easy and Intelligent Business Process Modeler Streamlined Design and Development Environment Access Database with Object- Oriented Technology
More informationFirst Federal Bank Online Banking Terms and Conditions Agreement Online Banking Service Business Online Banking Service Bill Payment Mobile Banking
First Federal Bank Online Banking Terms and Conditions Agreement Online Banking Service Business Online Banking Service Bill Payment Mobile Banking First Federal Bank s Online Banking is available to all
More informationChapter 1: Introduction
Chapter 1 Introduction 1 Chapter 1: Introduction 1.1 Inspiration Cloud Computing Inspired by the cloud computing characteristics like pay per use, rapid elasticity, scalable, on demand self service, secure
More informationHEAD OFFICE Information Technology Department
HEAD OFFICE Information Technology Department Customer s FAQs on Mobile Banking 1. How do customer avail Mobile Banking solution (BOI BTM)? I. Registration through BOI Branch: 1. Customer can approach
More informationIBM Gentran:Server for Microsoft Windows. HIPAA and NCPDP Compliance Guide
IBM Gentran:Server for Microsoft Windows HIPAA and NCPDP Compliance Guide Version 5.3 4232-520-USER29-0001 Copyright This edition applies to the 5.3 Version of IBM Sterling Gentran:Server for Microsoft
More informationPRADHAN MANTRI JAN-DHAN YOJANA (PMJDY) Frequently Asked Questions (FAQs)
PRADHAN MANTRI JAN-DHAN YOJANA (PMJDY) Frequently Asked Questions (FAQs) Q. 1. What is Pradhan Mantri Jan-Dhan Yojana? Ans. Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion
More informationData Storage Security in Cloud Computing
Data Storage Security in Cloud Computing Prashant M. Patil Asst. Professor. ASM s, Institute of Management & Computer Studies (IMCOST), Thane (w), India E_mail: prashantpatil11@rediffmail.com ABSTRACT
More informationACCELERATE INNOVATION. Get direct access to customers. Finacle Direct Banking Solution
ACCELERATE INNOVATION. Get direct access to customers. Finacle Direct Banking Solution A new way to reach tomorrow s customers As financial institutions seek to thrive in a changing world, they have realized
More informationIRIS Onboarding Platform. Product Overview
IRIS Onboarding Platform Product Overview The Need for a Digitized Onboarding Platform In the current paper-based onboarding process, disparate and self-contained systems work in a non-integrated environment.
More informationAn Event-Driven Approach to Data Warehouse Design
An Event-Driven Approach to Data Warehouse Design Barry Williams barryw@databaseanswers.org Page 1 Introduction... 2 Event 1 - Set-up Banks and Branches... 3 Event 2 Create a new Customer... 4 Event 3
More informationData Warehouse Architecture for Financial Institutes to Become Robust Integrated Core Financial System using BUID
Data Warehouse Architecture for Financial Institutes to Become Robust Integrated Core Financial System using BUID Vaibhav R. Bhedi 1, Shrinivas P. Deshpande 2, Ujwal A. Lanjewar 3 Assistant Professor,
More informationPRADHAN MANTRI JAN-DHAN YOJANA (PMJDY) - Frequently Asked Questions (FAQs)
PRADHAN MANTRI JAN-DHAN YOJANA (PMJDY) - Frequently Asked Questions (FAQs) Q. 1. What is Pradhan Mantri Jan-Dhan Yojana? Ans. Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion
More informationInvoice Only PROFILE DESCRIPTION
CEN/ISSS WS/BII04 Invoice Only PROFILE DESCRIPTION Business Domain: Post award procurement Business Process: Billing Document Identification: CEN/ISSS WS/Profile BII04 Version: 1.0 Release: 2009-11-05
More informationUNCITRAL United Nations Commission on International Trade Law Introduction to the law of electronic signatures
Introduction to the law of electronic signatures Luca Castellani Head, Regional Centre for Asia and the Pacific UNCITRAL Secretariat Incheon, Republic of Korea Outline 1. Methods and technologies for electronic
More informationA study on Awareness of Health Insurance among people with special reference to Rajasthan (India)
A study on Awareness of Health Insurance among people with special reference to Rajasthan (India) Sonal Kala Research Scholar Department of Accountancy & Business Statistics University of Rajasthan, Jaipur
More informationIntegrating VoIP Phones and IP PBX s with VidyoGateway
Integrating VoIP Phones and IP PBX s with VidyoGateway Updated February 2011 INDEX: I. ABSTRACT.1 II. III. IV. VIDYOGATEWAY OVERVIEW.. 1 NETWORK TOPOLOGIES AND DEFINITIONS...2 CONNECTING TO VIDYOCONFERENCES
More informationHow do I contact someone if my question is not answered in this FAQ?
Help Where may I find the answers to my Internet Banking questions? How do I contact someone if my question is not answered in this FAQ? Enrolling How do I enroll in Internet Banking? Logging In How do
More informationOPENIAM ACCESS MANAGER. Web Access Management made Easy
OPENIAM ACCESS MANAGER Web Access Management made Easy TABLE OF CONTENTS Introduction... 3 OpenIAM Access Manager Overview... 4 Access Gateway... 4 Authentication... 5 Authorization... 5 Role Based Access
More informationMultifactor Graphical Password Authentication System using Sound Signature and Handheld Device
Multifactor Graphical Password Authentication System using Sound Signature and Handheld Device Jyoti Rao *1,Kishan Mistry #2, Bhumika Mistry #3, Divya Malviya #4, Devesh Gudway #5 # Student & Department
More informationTesting Intelligent Device Communications in a Distributed System
Testing Intelligent Device Communications in a Distributed System David Goughnour (Triangle MicroWorks), Joe Stevens (Triangle MicroWorks) dgoughnour@trianglemicroworks.com United States Smart Grid systems
More informatione-governance Password Management Guidelines Draft 0.1
e-governance Password Management Guidelines Draft 0.1 DEPARTMENT OF ELECTRONICS AND INFORMATION TECHNOLOGY Ministry of Communication and Information Technology, Government of India. Document Control S.
More informationSecurity Model for VM in Cloud
Security Model for VM in Cloud 1 Venkataramana.Kanaparti, 2 Naveen Kumar R, 3 Rajani.S, 4 Padmavathamma M, 5 Anitha.C 1,2,3,5 Research Scholars, 4Research Supervisor 1,2,3,4,5 Dept. of Computer Science,
More informationInformation Technology Security Guideline. Network Security Zoning
Information Technology Security Guideline Network Security Zoning Design Considerations for Placement of s within Zones ITSG-38 This page intentionally left blank. Foreword The Network Security Zoning
More informationHybrid for SharePoint Server 2013. Search Reference Architecture
Hybrid for SharePoint Server 2013 Search Reference Architecture 2014 Microsoft Corporation. All rights reserved. This document is provided as-is. Information and views expressed in this document, including
More informationEnterprise Architecture: Practical Guide to Logical Architecture
Objecteering Practical Guides Enterprise Architecture: Practical Guide to Logical Architecture Author: Version: 1.0 Copyright: Softeam Softeam Consulting Team Supervised by Philippe Desfray Softeam 21
More informationIMPLEMENTATION OF SECURE MEDICAL RECORD USING SMARTCARD TECHNOLOGY
IMPLEMENTATION OF SECURE MEDICAL RECORD USING SMARTCARD TECHNOLOGY JOTHI PRAKASH A/L MURUGAN DISSERTATION SUBMITTED IN FULFILMENT OF THE REQUIREMENTS FOR THE DEGREE OF MASTER OF COMPUTER SCIENCE FACULTY
More informationMake your account KYC compliant
Know Your Customer (KYC) Dear Customers, Provide Information we seek & Help us in preventing Money Laundering and Combating Financing of Terrorism Make your account KYC compliant 1. What is Know Your Customer
More informationClarifying a vision on certification of MDA tools
SCIENTIFIC PAPERS, UNIVERSITY OF LATVIA, 2010. Vol. 757 COMPUTER SCIENCE AND INFORMATION TECHNOLOGIES 23 29 P. Clarifying a vision on certification of MDA tools Antons Cernickins Riga Technical University,
More informationAccelerate Innovation. Get a 360 view of customers Finacle CRM Solution
Accelerate Innovation Get a 360 view of customers Finacle CRM Solution Delight customers today, retain them tomorrow The ultimate goal for any business is to attract and retain delighted customers. Transformation
More informationNovel Unique Technique for Generating Ticket Identifier Using Image Texture Patterns
RESEARCH ARTICLE OPEN ACCESS Novel Unique Technique for Generating Ticket Identifier Using Image Texture Patterns Mrs. Jayashree Katti, Sharadchandra Chavan, Dr. Sudeep Thepade, Samruddhi Puranik, Triloknath
More informationCSCI 454/554 Computer and Network Security. Topic 8.1 IPsec
CSCI 454/554 Computer and Network Security Topic 8.1 IPsec Outline IPsec Objectives IPsec architecture & concepts IPsec authentication header IPsec encapsulating security payload 2 IPsec Objectives Why
More informationPersonal Internet Online Banking Frequently Asked Questions
Personal Internet Online Banking Frequently Asked Questions What is First National Bank s Internet Online Banking? With First National Bank s Online Banking, you can conduct through your personal computer
More informationStandard Operating Procedure of PMSBY
Standard Operating Procedure of PMSBY 1. Any Postal Official (including GDS) can pursue either a depositor having Savings Account in any EDBO/SO/HO migrated to CBS Platform or any Indian Citizen who is
More informationCall Center and Clearing System. ID Technologies Inc
Call Center and Clearing System ID Technologies Inc Features Enterprise level ticket generation, clearing and tracking system GIS based integrated graphical information. Multi-format map integration Real
More informationMobile Payment in India - Operative Guidelines for Banks
Mobile Payment in India - Operative Guidelines for Banks 1. Introduction 1.1 With the rapid growth in the number of mobile phone subscribers in India (about 261 million as at the end of March 2008 and
More informationBlackBerry Mobile Voice System
BlackBerry Mobile Voice System BlackBerry Mobile Voice System Mobile Unified Communications BlackBerry Mobile Voice System (BlackBerry MVS) brings desk phone features to BlackBerry smartphones. Work with
More informationBPMN Business Process Modeling Notation
BPMN (BPMN) is a graphical notation that describes the logic of steps in a business process. This notation has been especially designed to coordinate the sequence of processes and messages that flow between
More informationStudent Attendance Through Mobile Devices
Student Attendance Through Mobile Devices Anurag Rastogi Kirti Gupta Department of Computer Science and Engineering National Institute of Technology Rourkela Rourkela-769 008, Odisha, India Student Attendance
More informationIntroduction to Branch Banking
Introduction to Branch Banking Description/Objective: This course introduces participants to the concept of branches in banks, functions of a branch and its role in the overall banking arena, products
More informationMobile phone based business models. Sundar Murthi CAB
Mobile phone based business models Sundar Murthi CAB Session Plan Overview of mobile business Mobiles for banking Guidelines for mobile banking Technologies for mobile banking Mobile banking solutions
More informationOpportunities for Online Banking epayments Innovating esepa beyond the end date
Opportunities for Online Banking epayments Innovating esepa beyond the end date Vincent Jansen - 22 March 2013 tomorrow s transactions today Banks and disruptive innovation? 2 Opportunities for OBeP Vincent
More informationDCMP Exam Preparation Syllabus
DCMP Exam Preparation Syllabus Purpose: This course is specifically designed to prepare students for the Data Center Migration Professional exam, given by DCMMI. It is a two day course that allows students
More informationWhitepaper. Data Warehouse/BI Testing Offering YOUR SUCCESS IS OUR FOCUS. Published on: January 2009 Author: BIBA PRACTICE
YOUR SUCCESS IS OUR FOCUS Whitepaper Published on: January 2009 Author: BIBA PRACTICE 2009 Hexaware Technologies. All rights reserved. Table of Contents 1. 2. Data Warehouse - Typical pain points 3. Hexaware
More informationIDENTITY INFORMATION MANAGMENT ARCHITECTURE SUMMARY Architecture and Standards Branch Office of the CIO Province of BC People Collaboration Innovation
IDENTITY INFORMATION MANAGMENT ARCHITECTURE SUMMARY Architecture and Standards Branch Author: Creation Date: Last Updated: Version: I. Bailey May 28, 2008 March 23, 2009 0.7 Reviewed By Name Organization
More informationesign Online Digital Signature Service
esign Online Digital Signature Service Government of India Ministry of Communications and Information Technology Department of Electronics and Information Technology Controller of Certifying Authorities
More informationINTERNATIONAL JOURNAL OF APPLIED ENGINEERING RESEARCH, DINDIGUL Volume 2, No 2, 2011
Designing and developing secure protocol for mobile voting Abhishek Kumar 1,Ashok Kumar Srivastava 2 1- Junior Scientist, Computer Division, CSIR-Central Drug Research Institute, Chattar Manzil Palace,
More information(C) Global Journal of Engineering Science and Research Management
DEPENDABLE STORAGE FOR VEHICLE INSURANCE MANAGEMENT THROUGH SECURED ENCRYPTION IN CLOUD COMPUTING Prof.Abhijeet A.Chincholkar *1, Ms.Najuka Todekar 2 *1 M.E. Digital Electronics, JCOET Yavatmal, India.
More informationRegistered Mortgage Loan Originators. Becky Behrens ID #523458 Phone: 507-664-0820. Kim Paddock ID #523459 Phone: 507-664-0820
First National Downtown 329 Division Street P.O. Box 59 Northfield, Minnesota 55057 tel 507-645-5656 fax 507-645-6873 First National South 1611 Honey Locust Drive tel 507-664-0820 fax 507-664-0801 First
More informationGain superior agility and efficiencies with enterprise origination solution. Finacle Origination
Finacle Origination Gain superior agility and efficiencies with enterprise origination solution The recent global financial meltdown has reshaped the landscape of the lending business around the world.
More informationSimple Guide to Digital Signatures
Simple Guide to Digital Signatures Rohas Nagpal Asian School of Cyber Laws About the author Rohas Nagpal is the founder President of Asian School of Cyber Laws. He advises Governments and corporates around
More informationNetwork Security - ISA 656 Review
Network Security - ISA 656 Review Angelos Stavrou December 4, 2007 Material Test Conditions 7:20pm - 9:30pm, Thursday, Dec 11th, in the Lab (STI-128) Same style of questions as the midterm I m not asking
More informationUML BASED MODELING OF ECDSA FOR SECURED AND SMART E-GOVERNANCE SYSTEM
UML BASED MODELING OF ECDSA FOR SECURED AND SMART E-GOVERNANCE SYSTEM Abhishek Roy [1] and Sunil Karforma [2] [1] Department of Computer Science, The University of Burdwan, W.B, INDIA. Department of Computer
More informationChristoph Bussler. B2B Integration. Concepts and Architecture. With 165 Figures and 4 Tables. IIIBibliothek. Springer
Christoph Bussler B2B Integration Concepts and Architecture With 165 Figures and 4 Tables IIIBibliothek Springer Contents Part I Introduction to Business-to-Business Integration.... 1 1 History 3 1.1 Why
More informationPROCURE-TO-PAY AUTOMATION SYSTEM
PROCURE-TO-PAY AUTOMATION SYSTEM 1 S.P.KALAIKARTHIKA, 2 A.NITHYA, 3 V.SUGANTHI, 4 M.SUJITHA 1,2,3 Department of Information Technology (IV Year), Dr.NGP Institute of Technology, Kalapatti, Coimbatore 641048,
More informationBridging the rural urban banking divide: what s been done and what needs to be.
Bridging the rural urban banking divide: what s been done and what needs to be. Thought Paper www.infosys.com/finacle Universal Banking Solution Systems Integration Consulting Business Process Outsourcing
More informationA Multidatabase System as 4-Tiered Client-Server Distributed Heterogeneous Database System
A Multidatabase System as 4-Tiered Client-Server Distributed Heterogeneous Database System Mohammad Ghulam Ali Academic Post Graduate Studies and Research Indian Institute of Technology, Kharagpur Kharagpur,
More informationFunctional Validation of SAP Implementation
Functional Validation of SAP Implementation Efficiently produce and maintain a SAP test repository thru modeling of business processes and business rules Geoffrey Potoczny/Smartesting Professional Services
More informationEffective Software Security Management
Effective Software Security Management choosing the right drivers for applying application security Author: Dharmesh M Mehta dharmeshmm@mastek.com / dharmeshmm@owasp.org Table of Contents Abstract... 1
More informationCrm in Banking Sector A Review
Journal of Finance and Bank Management June 2014, Vol. 2, No. 2, pp. 165-171 ISSN: 2333-6064 (Print) 2333-6072 (Online) Copyright The Author(s). 2014. All Rights Reserved. Published by American Research
More informationElite: A New Component-Based Software Development Model
Elite: A New Component-Based Software Development Model Lata Nautiyal Umesh Kumar Tiwari Sushil Chandra Dimri Shivani Bahuguna Assistant Professor- Assistant Professor- Professor- Assistant Professor-
More informationCloud Computing in a Restaurant Environment
WHITE PAPER Cloud Computing in a Restaurant Environment Cloud Computing in a Restaurant Environment How Restaurants Leverage New Cloud Computing Technologies to Achieve PCI Compliance By Bradley K. Cyprus
More informationCLOUD PLATFORM AND THE VIRTUALISED WORLD: TAKE A LOOK
CLOUD PLATFORM AND THE VIRTUALISED WORLD: TAKE A LOOK Prantosh Kumar Paul FBAS, Bengal Engineering & Science University, Howrah, West Bengal, India Email: prantoshkpaul@gmail.com ABSTRACT Cloud Computing
More informationMaster Data Management
Master Data Management Managing Data as an Asset By Bandish Gupta Consultant CIBER Global Enterprise Integration Practice Abstract: Organizations used to depend on business practices to differentiate them
More informationA Groundwork for Troubleshooting IP Based Booking with Subjection of Multiple User IDs by Blacklisting
A Groundwork for Troubleshooting IP Based Booking with Subjection of Multiple User IDs by Blacklisting Asrani Nitin 1, Ashutosh Zajariya 2, Mangesh Sutar 3, Mukund Desai 4, K. D. Bamane 5 Division of Bachelor
More informationRSA SECURE WEB ACCESS FOR HEALTHCARE ENVIRONMENTS
RSA SECURE WEB ACCESS FOR HEALTHCARE ENVIRONMENTS Security solutions for patient and provider access AT A GLANCE Healthcare organizations of all sizes are responding to the demands of patients, physicians,
More informationModel Based System Engineering (MBSE) For Accelerating Software Development Cycle
Model Based System Engineering (MBSE) For Accelerating Software Development Cycle Manish Patil Sujith Annamaneni September 2015 1 Contents 1. Abstract... 3 2. MBSE Overview... 4 3. MBSE Development Cycle...
More informationAadhaar. Authentication Framework. Version 1.0. Unique Identification Authority of India (UIDAI)
Aadhaar Authentication Framework Version 1.0 Unique Identification Authority of India (UIDAI) Contents 1. Introduction... 3 2. Aadhaar Authentication... 4 3. Uses of Aadhaar Authentication... 5 4. Aadhaar
More informationUNITED STATES DEPARTMENT OF THE INTERIOR BUREAU OF LAND MANAGEMENT MANUAL TRANSMITTAL SHEET. 1283 Data Administration and Management (Public)
Form 1221-2 (June 1969) Subject UNITED STATES DEPARTMENT OF THE INTERIOR BUREAU OF LAND MANAGEMENT MANUAL TRANSMITTAL SHEET 1283 Data Administration and Management (Public) Release 1-1742 Date 7/10/2012
More informationUT Martin Password Policy May 2015
UT Martin Password Policy May 2015 SCOPE The scope of this policy is applicable to all Information Technology (IT) resources owned or operated by the University of Tennessee at Martin. Any information
More informationBusiness Analyst Interview Questions And Answers
Business Analyst Interview Questions And Answers What Does A Business Analyst Do 2013 All Rights Reserved http://www.whatdoesabusinessanalystdo.com (1) Question: Tell me the importance of a flow chart?
More informationThe BPM to UML activity diagram transformation using XSLT
The BPM to UML activity diagram transformation using XSLT Ondřej Macek 1 and Karel Richta 1,2 1 Department of Computer Science and Engineering, Faculty of Electrical Engineering, Czech Technical University,
More informationThe Gratz National Bank. Gratz Online Banking Consumer Help Guide
The Gratz National Bank Gratz Online Banking Consumer Help Guide Contents Welcome to Gratz Online! Page 3 Types of Activity Page 3 Getting Started Page 4 If You Need Help Page 7 Accessing Your Account
More informationGUJARAT TECHNOLOGICAL UNIVERSITY Computer Engineering (07) BE 1st To 8th Semester Exam Scheme & Subject Code
GUJARAT TECHNOLOGICAL UNIVERSITY Computer Engineering (07) BE 1st To 8th Semester Scheme & EVALUATION SCHEME Continuous (Theory) (E) Evaluation Practical (I) (Practical) (E) Process(M) MAX MIN MAX MIN
More informationDynamic Query Updation for User Authentication in cloud Environment
Dynamic Query Updation for User Authentication in cloud Environment Gaurav Shrivastava 1, Dr. S. Prabakaran 2 1 Research Scholar, Department of Computer Science, SRM University, Kattankulathur, Tamilnadu,
More informationElectronic Payment Schemes Guidelines
BANK OF TANZANIA Electronic Payment Schemes Guidelines Bank of Tanzania May 2007 Bank of Tanzania- Electronic Payment Schemes and Products Guidleness page 1 Bank of Tanzania, 10 Mirambo Street, Dar es
More informationPROCESS AUTOMATION FOR DISTRIBUTION OPERATIONS MANAGEMENT. Stipe Fustar. KEMA Consulting, USA
PROCESS AUTOMATION FOR DISTRIBUTION OPERATIONS MANAGEMENT Stipe Fustar KEMA Consulting, USA INTRODUCTION To prosper in a competitive market, distribution utilities are forced to better integrate their
More informationAdvanced Biometric Technology
INC Internet Biometric Security Systems Internet Biometric Security System,Inc.White Papers Advanced Biometric Technology THE SIMPLE SOLUTION FOR IMPROVING ONLINE SECURITY Biometric Superiority Over Traditional
More informationHIPAA Compliance and NCPDP User Guide
IBM Sterling Gentran:Server for UNIX IBM Sterling Gentran:Server for UNIX - Workstation HIPAA Compliance and NCPDP User Guide Version 6.2 Copyright This edition applies to the 6.2 Version of IBM Sterling
More informationINTERNET SECURITY ARCHITECTURE
82-10-60 DATA SECURITY MANAGEMENT INTERNET SECURITY ARCHITECTURE Carol A. Siegel INSIDE Why is Architecture Important?, What is Architecture and How is it Created?, The Importance of Business Requirements,
More informationA framework for secure migration processes of legacy systems to the cloud
A framework for secure migration processes of legacy systems to the cloud A framework for secure migration processes of legacy systems to the cloud 1. Introduction 2. SMiLe2Cloud 3. Conclusions 1. Introduction
More information