Session 3 CBS

CBS OverviewCBS Overview

04/08/23 CBS Overview 2

CBS

Migration process

SWITCHSWITCH

ROUTER ROUTER

LET US TAKECLOSURE

LOOK


BRANCH

ZNC

NC

SWITCH

ROUTER


SWITCH

ROUTERLAN

ZNCn

NC1 NC2NCn

ZNC: Zonal Network Centre NC : Network CentreBr : Branch

___ 2 Mbps Leased Line___ 64 Kbps Leased Line---- ISDN PRI link---- ISDN BRI link

Br11 Br1n Br21 Br2n Brn1 Brnn

ZNC1ZNC2

Data Centre

Network DesignNetwork Design


Features of CBS


• Centralized Banking Solution

• Data of all the customers are centralized

• Single data base of all the customers

• Facilitates real time access of customer data from any of the connected branch or office.

• Role based access control

• Parameter setup is centralized

• Role out of products and schemes are uniform and achieved from central location

Features of CBSFeatures of CBS


• Standardized procedures across the bank

• Facilitates centralized monitoring

• Single view of the customer

• Same view of the data for all stake holders depending on their role and responsibilities.

• Centralized generation of important reports

• Centralized activities for enhanced productivity and operational efficiency.

Features of CBS …….contd.Features of CBS …….contd.


CBS ArchitectureCBS Architecture

04/08/23 CBS Overview 10Server management console User Interface

Database ServerDatabase ServerApplication Server

Switch

web Server

Storage

Finacle Structure - BASICSFinacle Structure - BASICSFinacle Structure - BASICSFinacle Structure - BASICS


2 WEB SERVERS

-USERS GET THEIR FIRST PAGE

4 APPLICATION SERVERS

-USERS GET THEIR COMMANDS EXECUTED

STORAGEDATABASE SERVER-USERS GET THEIR DATA PROCESSED


Application Server

Storage

Database Server

Application Server

Storage

Database Server

WEB SERVER

Surround ApplicationsSurround Applications

ATM

IBS


• Surround applications like ATM , IBS are different systems and they can not communicate directly with CBS.

• An intermediate server known as Connect 24 ( Bancsconnect) facilitates the communication.

• Communicate to CBS in ISO8583 standard format.• ATM and IBS are required to be available to the

customers on 24 X 7.– But during the day end , day begin and other maintenance

period, the CBS server may not be available for these ADC ( Alternate delivery channels)

How does Surround Application Works?How does Surround Application Works?


• Another server known as CSIS (Centralized Stand In Server) is introduced– CSIS will be have the latest / current account details

( like balance, transactions etc,) as available in CBS DB server.

– It gets the continues updates from CBS DB server– BC will take ADC transactions to CSIS during the

outage of CBS DB server.

• Customer is serviced

How to provide the Services?How to provide the Services?


• Precaution to be taken is– When the CBS DB server is UP, the Transactions

made in the CSIS server are to be updated first.• System has been designed to handle so.

– In case it is not updated , the transactions of CSIS will not be reflected in CBS DB

– Similarly, in case the CSIS server is down when CBS DB is up and functioning, the transaction details of CBS DB will not be reflected in CSIS.

– Both are not desirable

• It is monitored and managed 24 x 7 by DC


web Server

Bancs Connect

Branch Banking

Anytime Anywhere Banking

Application Server

Storage

Database Server

Stand-in Server

Anytime, Anywhere BankingAnytime, Anywhere Banking


Redundancy and Fall backRedundancy and Fall back

&&

Disaster SetupDisaster Setup


• Technology will face hiccups– Adequate redundancy is to be build

• In every possible stage of the setup

• Data Centre (DC) – DRS with 100% computing power – Data is replicated to DRS continuously from DC,

with a time gap of 30 mts.• Storage based replication for cbs• Oracle based ( data guard).

– DRS can be started within 2 hours of DC disruption.


• However DRS switch over is the last resort.

• Sufficient redundancy has been build in the DC setup

• The servers are in clusters– DB server has a similar server of same capacity

and power• In case the main DB server fails the standby server will

start functioning within a time lag of 10- 15mts.– This time is required to start the services in the standby

server

– Web servers are in clusters ( fail over) so as application servers.


• Storages are in RAID 1+0– Every bit of data is written in 2 disks ( Mirroring)– Any one disk failure will enable us to retrieve the

data from the mirrored disk• System handles it automatically.

• NETWORK redundancy– ZNCs are connected to DC and DRS through

separate lease line– DC and DRS are connected through link from BSNL

and Reliance ( 2 separate links)– Any link failure between ZNC and DC

• Connectivity can be established through ZNC ->DRS->DC


• ZNCs and DC / DRS have ISDN connection , which shall be used for connectivity in case of lease line failure

• The connection between NC & ZNC and BOs & NC / ZNC– Are established with LL and ISDN

• Now the second connection is established with VSAT or RF.

• But, still the connectivity is lost at branch level– BCP is to be followed for uninterrupted customer

service.


CBS – Flow of CBS – Flow of TransactionsTransactions


• User access CBS either from PC or Thin client.

• It is a web browser based access ( I.E)– Similar to Internet browsing

• URL is intranet address

• Access is granted after authentication of userid and password

• User command is transmitted from PC on commit– F4 or F10


router

DB SERVER

APP SERVER

WEB SERVER

NC

ZNC


CBS – Finacle CBS – Finacle ArchitectureArchitecture


Finacle Technology PlatformFinacle Technology Platform

• Unix– different flavors of Unix

• RDBMS– Oracle

• Browser – universal client


Other applicationsconnected on-line

Browser based Teller

ATM/POS

Phonebanking BankAway

Application and User level Security

Oracle & Unix variants

Database & OS Security

General Ledger | Transaction Manger | Multi-currency

External Interfaces

Multilingual | Workflow | Report Writer | Signature Display | Interest

C U S T O M E RB A N K

Trade Finance Retail & Corporate

De

po

sits

Lo

an

s

Sa

vin

gs/

Ch

eck

ing

Cu

rre

nt

Acc

ou

nt

/ O

verd

raft

s

Re

mitt

an

ces

| Help | Inventory | Memo Pad | Letter Generator | Audit Trail | ChargesMenu | Upload | Security Register | SWIFT | Purge | Clearing

Pa

ram

ete

rise

d

Tools and Utilities

Accounting Backbone

BusinessRules

Services

OS & RDBMS

Customerinformation

Bancs@Web BancsConnect

Gua

rant

ees

Pres

hipm

ent

Cred

it

Docu

men

tary

Cred

it

Expo

rt Bi

lls

Impo

rt Bi

lls

Finacle Functional ArchitectureFinacle Functional Architecture


Finacle Retail & CorporateFinacle Retail & Corporate

Retail &

Corporate

Products

Term

Deposits

Term Loans

Demand

LoansOverdraft

Current

Accounts

Savings/

Checking

Recurring

Deposits

Reinvestment

Deposits

Flexi Fixed

DepositsUser

definable

products

Fixed rates

DepositsUser

definable

products

User

definable

products

Floating Rate

Loans

Equated

Installment

Loans

Flexible

Repayment

Schedule

Current

Accout with

Overdraft

Sweeps &

Reverse

Sweeps


Finacle - Trade FinanceFinacle - Trade Finance

Trade Finance

DocumentaryCredits

Bills

BankGuarantees

Remittances

Pre-shipmentCredits

ForwardContracts

InwardInland/Foreign

OutwardInland/Foreign

InwardInland/Foreign

OutwardInland/Foreign

Inward

Outward


USER GROUPSUSER GROUPS

IN CBSIN CBS


• All users logging into the application have a unique user ID and a password.

• Based on the kind of banking operations performed by these users they are grouped into different user Groups.


Work ClassWork Class

010 CLERK015 CTO Category A020 CTO Category B030 SPECIAL ASSISTANT040 OFFICER050 ASSISTANT MANAGER 055 DEPUTY MANAGER060 MANAGER070 SENIOR MANAGER080 CHIEF MANAGER090 ASSISTANT GENERAL

MANAGER 095 DEPUTY GENERAL MANAGER 099 GENERAL MANAGER100 INCUMBENT IN-

CHARGE200 AUDITOR300 DBA


Type of Users in CBSType of Users in CBS

• AD ADMINISTRATIVE OFFICE• BO BACK OFFICE USERS• DB SYSTEM INCHARGE – • DC DBA - DATA CENTER• DQ DATA CENTRE-INQUIRY • GU GENERAL USER • HO HO DIVISIONS USERS• IN INSPECTORS


Captive / Free usersCaptive / Free users

• CAPTIVE: The CAPTIVE user with a captive status can access the data belonging to his service outlet alone but can inquire on the accounts belonging to other SOL.

• FREE: FREE user can access the data belonging to all service outlets.


CBS Case : Setup at CBS Case : Setup at PNBPNB


• It is one of the largest Single instance Oracle database

• Maximum number of concurrent users – 17000

• The size of the database is around 4 TB• Daily transactions of around 20 – 22 Lacs• ADC transactions is around 2 Lacs (daily)• Separate MIS server


• Proposed IT Infrastructure to meet the total business needs

CBS Transaction Processing system

EDW MIS and Data Mining system

CMS

ATM Switch

IBS

RegulatoryCompliance

User will interact with

CBS and EDW only

The surround application will be managed by

focused teams

New Business requirements

can be met with either a

new application or customisation

of CBS

Central data repository-improve quality

-removes in consistency-avoids duplicity.


YOUR QUERIES ?YOUR QUERIES ?

Session 3 CBS

Documents

Transcript of Session 3 CBS