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CBS Overview

CBS

Migration LET US TAKE


process CLOSURE
LOOK

ROUTER ROUTER

SWITCH SWITCH

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ZNC

BRANCH

ROUTER

SWITC
H

NC

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LAN ROUTER

SWITCH

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Network Design
Data Centre

ZNC1 ZNCn
ZNC2

NCn
NC1 NC2

Br11 Br1n Br21 Brn1


Br2n Brnn

ZNC: Zonal Network ___ 2 Mbps Leased Line


Centre
___ 64 Kbps Leased
NC : Network Centre Line
---- ISDN PRI link
Features of CBS

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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
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Features of CBS …….contd.
• 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.

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CBS Architecture

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Finacle Structure - BASICS
Database Server
Application Server
web Server

Storage

Switch

Server management console User Interface


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DATABASE
STORAGE
SERVER
-USERS GET THEIR
DATA PROCESSED

4 APPLICATION SERVERS
-USERS GET THEIR
COMMANDS EXECUTED

2 WEB SERVERS
-USERS GET THEIR FIRST
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PAGE
CBS Overview 11
Surround Applications
Database Server

Storage

ATM
Application Server

WEB SERVER

IBS

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How does Surround Application Works?
• 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)
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How to provide the Services?
• 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

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• 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
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Anytime, Anywhere Banking

Bancs Connect Database Server

Storage
Anytime
Anywhere
Banking
Application Server

Stand-in Server

Branch Banking
web Server

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Redundancy and Fall back
&
Disaster Setup

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• 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.

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• 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.

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• 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
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• 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.

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CBS – Flow of Transactions

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• 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
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DB SERVER
APP SERVER
WEB SERVER

ZNC

NC
router
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CBS – Finacle Architecture

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Finacle Technology Platform

• Unix
– different flavors of Unix
• RDBMS
– Oracle
• Browser
– universal client

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Finacle Functional Architecture
BANK C U S T O M E R
External Browser Other applications ATM/ Phone
banking BankAway
Interfaces based Teller connected on-line POS

Bancs@Web BancsConnect

Application and User level Security


Services Multilingual | Workflow | Report Writer | Signature Display | Interest
Documentary

Preshipment

Savings/Checking
Guarantees

Current Account /
Import Bills
Export Bills

Remittances
Overdrafts
Parameterised

Credit

Credit

Deposits

Loans
Business
Rules Customer
information

Trade Finance Retail & Corporate


| Help | Inventory | Memo Pad | Letter Generator | Audit Trail | Charges
Tools and Utilities
Menu | Upload | Security Register | SWIFT | Purge | Clearing
Accounting General Ledger | Transaction Manger | Multi-currency
Backbone
Database & OS Security
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OS & RDBMS
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Oracle & Unix variants
Finacle Retail & Corporate
Flexi Fixed Recurring
User Deposits Deposits
definable
products Reinvestment
Deposits

Savings/ Term
Fixed rates
Checking Deposits Deposits
User
definable
products
Floating Rate
Loans
Retail & Term
Current Current
Accout with Corporate Loans
Accounts Equated
Overdraft
Products Installment
Loans

Sweeps &
Flexible
Reverse
Repayment
Sweeps
Schedule
Demand
Overdraft
Loans

User
definable
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Finacle - Trade Finance
Inward
Inland/Foreign

Outward
Inland/Foreign

Forward Documentary
Contracts Credits
Inward
Inland/Foreign

Outward
Pre-shipment Trade Bills Inland/Foreign

Credits Finance

Bank
Remittances
Guarantees
Inward

Outward
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USER GROUPS
IN CBS

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• 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.

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Work Class
010 CLERK
015 CTO Category A
020 CTO Category B
030 SPECIAL ASSISTANT
040 OFFICER
050 ASSISTANT MANAGER
055 DEPUTY MANAGER
060 MANAGER
070 SENIOR MANAGER
080 CHIEF MANAGER
090 ASSISTANT GENERAL MANAGER
095 DEPUTY GENERAL MANAGER
099 GENERAL MANAGER
100 INCUMBENT IN-CHARGE
200 AUDITOR
300 DBA

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Type 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
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Captive / 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.

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CBS Case : Setup at
PNB

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• 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

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• Proposed IT Infrastructure to meet the
total business needs The surround application
Central data repository
-improve quality will be managed by
-removes in consistency focused teams
IBS -avoids duplicity.
CMS

EDW
CBS Transaction
MIS and Data
Processing system
Mining system

Regulatory ATM
Compliance Switch
New Business User will
requirements
can be met with
interact with
either a new CBS and EDW
application or only
customisation
of CBS

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YOUR QUERIES ?

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