Cashing a cheque (manual banking – no computer system)
Step User 1 – User 2 – User 3 –
# Account Checks & Controls Holder or Clerk Officer Representative 1 Submit cheque Signature on back, ID card copy of amount high 2 Receive cheque Account holder valid? Verify cheque Special instructions? Verify date, signature, balance, etc 3 Counter sign Verify cheque details 4 Balance Update Verify cash recipient Make cash Date / Time Stamp the payment cheque Any end of day processing by clerk?
Process: Cashing a cheque (computerized branch)
Step User 1 – User 2 – User 3 – Computer
# Account Counter Senior System Checks & Holder or Clerk Officer Controls Representative 1 Submit cheque Signature on back, ID card copy if amount high 2 Receive Display Account holder cheque, Information valid? Special from Storage instructions? Verify Verify date, signature, cheque balance, etc 3 Counter Display Verify cheque sign for Information details from Storage large amounts 4 Balance Update Verify cash Update , Information in recipient Make cash Storage Date / Time payment Stamp the cheque
Any end of day processing by clerk? … by the computer system?
Obtaining Cash from ATM (no human from bank side, just using Central Software system)
Step Account ATM Software Central
# Holder (Log all events) Software Checks & Controls (Log all events) 1 Enter Card Card #and its bar coding and PIN 2 Verify Card and Account holder valid? PIN Special instructions? Display Information from Storage 3 Select or Enter Amount 4 Verify Amount; Send to central Server and wait 5 Verify Card Account holder valid? Special and PIN, instructions (“Hot Card”)? send Reply Verify available balance back to Update balance if all OK ATM Update Information in Storage 6 Present Card Ensure cash recipient is back, Make present, appropriate cash payment, messages for user; Inform Central Date / Time Stamp the Server transaction 7 Take Card, Update Log the event Cash and Information Receipt in Storage Any end of day processing by clerk? … by the ATM and Central Server systems?
Who does What? Checks & Controls at each Step
Concept of Stored Information which is viewed and updated