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INTEGRATED
COMPUTERIZED
BANKING
SYSTEM
Functional Specification
Signature Management
By BML Istisharat Sal
September, 2011
Ref: ICBS/FS/Sig Mgmt – V11.2
BML Istisharat Sal Signature Management I.C.B.S.
Functional Specification Page : 2
TABLE OF CONTENTS PAGE
1 INTRODUCTION ........................................................................................................................... 4
1.1 OBJECTIVES ................................................................................................................................... 4 1.2 PREREQUISITES ............................................................................................................................. 5 1.3 DOCUMENT’S SECTIONS................................................................................................................ 5
2 SIGNATURES / DOCUMENTS MANAGEMENT ..................................................................... 6
2.1 SCANNER PARAMETERS ................................................................................................................ 6 2.2 SIGNATURE / DOCUMENTS SCANNING ......................................................................................... 6 2.1.1 ONE STEP ENTRY ............................................................................................................................ 6 2.1.2 MAKER CHECKER CONCEPTS ......................................................................................................... 8 2.3 DEFINING CUSTOMER'S ALLOWED SIGNATURES ........................................................................ 9 2.3.1 ONE STEP SIGNATURE DEFINITION ............................................................................................. 9 2.3.2 MAKER/ CHECKER CONCEPT ..................................................................................................... 12 2.4 MODIFICATION OF VALID SIGNATURES ..................................................................................... 13 2.5 CANCELLATION OF VALID SIGNATURES .................................................................................... 14 2.6 DELETION OF REJECTED ITEMS ................................................................................................. 15 2.7 REMOVING A MEMBER ........................................................................................................... 16
3 SIGNATURE BROWSING AND VERIFICATION ................................................................. 16
3.1 COMMON TELLERS OPERATIONS - SAMPLE .............................................................................. 16 3.2 BACK OFFICE CHECKS RECEIVED FROM CLEARING HOUSE PROCESSING - SAMPLE ........... 18
4 SET OF INQUIRY FUNCTIONS ................................................................................................ 19
4.1 INQUIRY ON SIGNATURES ATTACHED TO AN INDIVIDUAL PROFILE ........................................ 19 4.2 INQUIRY ON SIGNATURES ATTACHED TO A CUSTOMER OR CUSTOMER’S ACCOUNT ............. 19 4.3 INQUIRING ON TRANSACTIONS AND BROWSING RESPECTIVE PRESENTED SIGNATURES ........ 20
5 FINGER PRINT MANAGEMENT ............................................................................................. 22
5.1 FINGER PRINT REQUIRED ............................................................................................................ 22 5.2 FINGER PRINT SCANNING ............................................................................................................ 22 5.3 FINGER PRINT ACTIVATION ........................................................................................................ 24 5.4 COMMON TELLERS OPERATIONS – VALIDATION BY FINGER PRINT SAMPLE ......................... 24
BML Istisharat Sal Signature Management I.C.B.S.
Functional Specification Page : 3
Revision History
Date Version Comments Author Validation
March 2007 10.1 First version
June 2011 11.1 Adding Maker and Checker
Feature
E.Hajj
September 2011 11.2 Screen Updates and Related
Info
+
Finger Print Process
Muriel Daou
BML Istisharat Sal Signature Management I.C.B.S.
Functional Specification Page : 4
1 INTRODUCTION
1.1 OBJECTIVES
ICBS “Integrated Computerized Banking System” is BML Banking Solution. This document
is part of a complete set of manuals describing the functionality of the different ICBS
modules.
The present document is intended to cover the "Signatures management" through the
following functions:
1. Signatures/ Documents management
Scan and/or Attach signatures to individual person profile
Define Customer's / Customer's Account Allowed Signatures
2. Signatures browsing and verification during transactions processing:
Common Tellers Operation:
Through the usage of the "Customized transactions" Module: Cash Withdrawal, Account
to account transfer, etc.
Or other teller's operations such as Draft check issuance, Check Certification, etc.
Back office Checks received from clearing house processing
3. Set of Signature inquiry functions
Inquiry on signatures attached to an individual profile
Inquiry on signatures attached to a Customer or Customer's Account
Inquiring on transactions and browsing respective presented signatures
In addition to signatures validation upon transactions, “Finger Print” validation is available
and it will be covered also in the present document:
1. Fingers Required Parameters
This function is used to save the finger print related to a physical ID of a Customer to
the system.
2. Finger Print Scanning
3. Activating Finger Print for a Customer
4. Finger Print verification during transaction processing
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1.2 PREREQUISITES
In this document we refer to several other ICBS documents. Reader should have already
acquired basic ICBS knowledge and especially should master functions stated in the
following manuals:
Security & Log on
General tables
Customers‟ Information System
Customized Transactions
Checks and Clearing
Moreover, reader should be familiar with ICBS standards including interaction such as:
Screens navigation
Menus and Toolbars (Insert, update, cancel, enter and execute query buttons)
Selection criteria
Help facilities and list of values.
Calling reports and getting the output on screen, printer or files.
1.3 DOCUMENT’S SECTIONS
The topics covered by this document are detailed as follows:
Section 2: Signatures/ Documents Management
Section 3: Signature Browsing and Verification
Section 4: Set of Inquiry Function
Section 5: Finger Print Management
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2 SIGNATURES / DOCUMENTS MANAGEMENT
2.1 SCANNER PARAMETERS
This function is used to define the different scanner parameters.
2.2 SIGNATURE / DOCUMENTS SCANNING
This function is used to scan and add signature image to the system. The scanning in this
program is related to the physical ID of the customer. This process can be done either by
One Step Entry
Maker / Checker Concept
2.1.1 One Step Entry
This Function is a one step process and consists of the following steps:
1. Paper or signature document should be placed into the scanner.
2. Physical number of the customer should be selected.
3. Scanned image will appear in the middle of the screen after using the scan button.
Pressing on the attach button would invite the user to select a picture file to be
attached to the active profile.
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This function interface with utilities / drivers provided with the scanner through the
usage of the "Twain Commander" utility (Copyright product of Jungclsaus Software
Engineering) to scan the required document and attach it to the person profile.
Pressing on “Clear” button will remove the current picture view.
Pressing on “Export” button will allow saving the attached picture to an external text
file.
Pressing on “Scan1…4” will activate the scanner using the scanner parameters for
selected sections (currently only 4 sections of the document are supported)
Pressing on “Finger Print” will launch the finger print capture device. System will
open the existing driver for finger print capture device. ICBS can interface with any
finger print device that has an SDK toolkit.
Note 1: If signatures / images are available on a magnetic media user will press on the attach
button to link it; otherwise he will press on the scan button to activate the scanner and attach
the scanned images.
Note 2: Multiple documents / signature / fingerprints can be attached to each person.
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2.1.2 Maker Checker Concepts
Same steps as described in section 2.1.1 but with a concept of validation from another
function (BBSGN11F) to be used by a Checker person.
1. Scanning and attachment to be processed from „BBSGN10F‟ function
2. Validation of what has been scanned and captured through „BBSGN11F‟ function.
Normally such validation function will be handled by a different user than the one
who did the scanning and the attachment. The validation process will allow the user to
view the scanned or attached signature and give him the possibility to either reject or
approve the entered data.
Note that Finger Print option is not activated in this function.
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2.3 DEFINING CUSTOMER'S ALLOWED SIGNATURES
2.3.1 One Step Signature Definition
This function allows selecting the authorized signatures for all customers‟ accounts or for
selected account; therefore a signature can be authorized to:
a) All Customer's Account (i.e. assigned to the Customer's ID)
b) Or to a specific customer‟s account (i.e. assigned to a Customer's Account Number).
a) In case signatures are to be assigned to a Customer
a) User will select the Customer‟s ID to which signatures will be assigned
b) System will retrieve all persons related to the customer (including individuals persons
attached to the customer as well as individual persons member of a corporate attached
to the customer, Defined Proxies / Power of Attorneys).
c) For each displayed Person ID, user will:
Select the signatures validity dates : Start and Expiry Date
Assign the respective Signature Class (A, B, C, etc.). The class is a random
alphabetical letter, to indicate the category of the withdrawal limit for the
account. In case no class is assigned, the system will consider that the
individual has unlimited withdrawal limits to the account.
Check the "Active" Box to activate the signature of the respective person
Check the “Finger Print” Box to activate the finger print utility of the
respective person
Press on the Signature Button to browse all signatures attached to this
specific person
Select the person's required signatures
Set the default signature
d) When done with the signature attachment, user will proceed to the amounts conditions
(considered in Local Currency of the Bank in case the signature is related to all the
accounts of a customer, and in the account currency in case the signature is limited to
one account) and he will assign for each combination of signatures the upper limit of
the range of the amount allowed to be withdrawn from the account. The classes on the
same line are joined with an „AND‟ logical operator, and lines between each other are
joined with an „OR‟ operator. The first combination that matches will be used by the
system.
The following screens show a customer made of two different persons (individuals) with
having her own signature(s) / image(s) along with an example of signatures combinations and
respective authorized amounts:
This function allows attaching set of signatures to a customer‟s ID or to a customer‟s account.
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By pressing on the signature button the bellow screen appears
The number of the image appears at left. User can click on the zone below and browse for the
next signature attached on the physical customer number.
Multiple signatures / images can be captured and one can be defined as default. Clicking on
the zone next (at the right) to the signature number „Default Sign.‟ will define the signature
that will be browsed by default during operations.
Clicking on the zone at the left of the signature number, will precise the signature that can be
used.
User is able to “Zoom In” the photo by clicking on “+” button or “Zoom Out” by clicking on
“-” button.
b) In case signatures are to be attached to an account:
User will select the Customer‟s ID and the required Account number
And will follow the same process detailed above.
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Then he will press on the Signatures button to proceed to signature screen:
Multiple signatures / images can be captured and one can be defined as default signature that
will be browsed by default during operations.
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2.3.2 Maker/ Checker concept
This section will be done through 3 steps, 2 steps at data entry level and one at validation
level.
1. user will proceed as described in previous section 2.2.1
2. Saved data should be submitted by user using the submit button
3. Validation will be processed through the BBSGN13F function
Note that Finger Print option is not activated in this function.
Entry
Submit
Validation
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2.4 MODIFICATION OF VALID SIGNATURES
System offers the facility to modify a valid signature by using one of the following:
a) Direct modification by querying the signature and modifying the desired information
which will be saved directly.
b) Using Maker-Checker concept:
-User will query as per his selection criteria the desired signature elements to be modified
(Figure1).
-Modification will be processed and saved through function „BBSGN12F‟ (Figure2).
-Modified data should be submitted through the function „BBSGN18F‟ in order to be
validated (Figure3).
-Validation will be done through „BBSGN13F‟ (Figure4).
Figure1
Figure2
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Figure3
Figure4
2.5 CANCELLATION OF VALID SIGNATURES
System offers the facility to cancel a valid signature by using one of the following:
a) Direct cancellation by querying the signature then pressing on delete button
b) Using Maker-Checker concept:
-User will query as per his selection criteria the desired signature elements to be deleted
(Figure1).
-Deletion will be processed through function „BBSGN12F‟ (Figure2).
-Intended record to be deleted should be submitted through the function „BBSGN18F‟ in
order to be validated (Figure3).
-Validation will be done through „BBSGN13F‟ (Figure4).
BML Istisharat Sal Signature Management I.C.B.S.
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Figure1
Figure2
Figure3
Figure4
2.6 DELETION OF REJECTED ITEMS
Items submitted for validation and have been rejected by supervisor, will be deleted through a
separate function (BBSGN17F). Supervisor will query the rejected data and flag the one to be
removed.
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2.7 REMOVING A MEMBER
System offers the facility to remove a member and its related signatures. Removed data
will be stored in a separate table.
3 SIGNATURE BROWSING AND VERIFICATION
3.1 COMMON TELLERS OPERATIONS - SAMPLE
System offers a facility, allowing user to visualize signatures attached to an account. Thus
while performing an operation and whenever an account number is entered / selected, user can
click on the signature button and system will prompt the eventual default signature attached to
this account.
Note: Also, parameters may be set to automatically browse the signature once the account is
selected. (Please refer to attached appendix 1 for more details)
During operation processing, upon account
selection. User can press on the signature
button to check the signature related to a
specific customer.
Signature attached to account is browsed
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Signature visualization upon operation confirmation
Upon operation confirmation, and subject to
previously set parameters identifying the
account and operation fields, system will
browse signatures attached to the customer‟s
ID
User is invited to select submitted signature(s).
In case he selects a signature (or a combination)
not authorized to cover the requested amount
A break message will be displayed While selecting an adequate combination allows
the operation to resume / complete.
System will keep track of the operation‟s selected signatures.
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3.2 BACK OFFICE CHECKS RECEIVED FROM CLEARING HOUSE PROCESSING -
SAMPLE
The purpose of this function is to allow:
Visualization of checks details and their respective images
Visualization of the stored signatures to be compared with the received checks
signatures
Possibility to refuse the check for bad signature or bad wording reasons.
Querying the uploaded checks
A multiple criteria query can be
issued and system displays the
received and uploaded checks
details.
Pressing the show image button
prompts both the received
check‟s image and the account‟s
allowed signatures.
For more details about check
clearing, please refer to the
Checks Management document.
The first block shows the
eventual check image.
The lower block gives access
and shows allowed signatures.
User will be able to check and
select the related signatures
NOTE: THE ABOVE IS APPLICABLE ONLY IF USING ICBS CHECKS
REMITTANCE AND CLEARING FUNCTIONS. MORE PRECISELY, IN CASE OF
INTERFACE WITH ECC (ELECTRONIC CHECK CLEARING) SIGNATURES
WILL BE HANDLED BY THE ECC SOLUTION.
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4 SET OF INQUIRY FUNCTIONS
4.1 INQUIRY ON SIGNATURES ATTACHED TO AN INDIVIDUAL PROFILE
This function allows scanning and/ or attaching a set of signatures / scanned documents to any
individual person profile.
4.2 INQUIRY ON SIGNATURES ATTACHED TO A CUSTOMER OR CUSTOMER’S
ACCOUNT This function allows determining the members of a specific ID and the defined signatures to
each member (for more details, please refer to section 2).
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4.3 INQUIRING ON TRANSACTIONS AND BROWSING RESPECTIVE PRESENTED
SIGNATURES
This program allows inquiring about customers‟ global situation with tabular screens and drill
down to accounts and to the accounts details.
Customer’s level:
1. Customer's accounts list with Balance sheet and off balance sheet.
2. Customer's addresses
3. Credit lines (Granted & used figures)
Account’s level:
1. Account‟s general data
2. Account‟s annotation / referrals
3. Account‟s balances
4. Statement of account
5. Overdraft history
6. Statistical data
7. Standing Orders
8. Value date balances and corresponding details
Referring to this program, the Statement of Account screen (see screens below) allows the
user to visualize the signature of the correspondent customer.
For more details about the Account‟s level, please refer to the “ICBS Customized
Transactions” document.
Statement of account
This screen shows all account‟s
transactions within a user-selected range
of dates, including:
1. Daily Transactions
2. Historical transactions and
rates / credit limits changes
3. Hold amounts
Double clicking on a transaction,
provides drill down to details as stated
hereafter:
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System starts by showing the transaction
accounting entries details (i.e. all related
Debit and Credit entries) with scrolling
facility.
User may also click on the corresponding
button to visualize:
a) The signature presented
and selected at the time of
the transaction
b) The advice / Customer
note issued at the time of
the transaction.
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5 FINGER PRINT MANAGEMENT
5.1 FINGER PRINT REQUIRED
This function is used to define the required fingers to be captured for the bank customers.
5.2 FINGER PRINT SCANNING
This function is used to save the finger print related to a physical ID of a Customer to the
system.
Step 1
Pressing on the “Finger Print”
button would launch the Finger
Print capture device
Step 2
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The finger print device is a guided
wizard that, however it can be
different between one capture
device and the other, depending
on the SDK provided. The wizard
will allow the bank user to
acquire the specified fingers
defined in section 5.1
The device will ask the user to
acquire twice (for double
checking) the specified fingers as
defined in “Fingers required”
function.
Step 3
The device will create a secure
code from the fingerprint image.
Note: The screen shots shown in this document are taken using the finger print capture device
‘FingKey Hamster’, a product by ‘NitGen Biometric Solutions’.
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5.3 FINGER PRINT ACTIVATION
This function allows activating the finger print option for a given customer. Therefore, Finger
Print can be authorized to:
a) All Customer's Accounts (i.e. assigned to the Customer's ID)
b) Or to a specific customer‟s account (i.e. assigned to a Customer's Account Number).
e) User will select the Customer‟s ID to which finger print will be assigned
f) System will retrieve all persons related to the customer (including individuals persons
attached to the customer as well as individual persons member of a corporate attached
to the customer, Defined Proxies / Power of Attorneys).
g) For each displayed Person ID, user will:
Check the “Finger Print” Box to activate the finger print utility of the
respective person.
5.4 COMMON TELLERS OPERATIONS – VALIDATION BY FINGER PRINT SAMPLE
While performing an operation and whenever the following criteria are met:
1. Finger print checking is enabled from the sub module
2. Finger print checking is enabled for the current customer ID /account
3. Individuals that are members of the customer ID have captured finger prints.
The system will open the finger print validation screen, showing the customer members
individuals, this will allow each of the members on the counter to scan one of their captured
fingers.
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Step 1
The customer will be invited to
scan his finger, after the „check‟
button is pressed, since it will
trigger the device capture
function.
Once the finger print is captured
the system will make the
matching between the current
finger print and the one already
captured upon account opening.
Step 2
In case of matching, system will
set the status to “Valid” and user
will continue the operation. If
they do not match, the system will
set the status to “Not Valid” and
will block the user to do any
action.
Note: The screen shots shown in this document are taken using the finger print capture device
‘FingKey Hamster’, a product by ‘NitGen Biometric Solutions’.
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Appendix 1:
Defining Operations Where Signature will be automatically browsed
Using this function, system administrator will set in the various operations when the
signatures are to be browsed automatically.
For instance, administrator will record the following:
Module Code
Sub Module Code
Account order number on the screen.
During operation, and when the cursor is positioned on the respective account, system will
browse the default signature without the need to press on the "Show signature" Button.
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Functional Specification Page : 27
Appendix 2:
Defining Operations Where Signatures Need to Be Check Upon Confirmation
The following process is to be followed by the system administrator to trigger signature
verification upon operation confirmation.
Step 1: Activating Signature verification For an Operation (Sub Module).
Using the Sub Module Management function, system administrator will select one of the
following for each required operation:
Do not Check: Upon Operation confirmation, No signature will be browsed and
consecutively no verification would take place.
Check Without Blocking: Upon operation confirmation, system will browse
signatures attached to the corresponding customer's account; user will proceed to a
visualization verification.
Check With Blocking: Upon operation confirmation, system will browse signatures
attached to the corresponding customer's account; user will need to select the
signatures that were presented to him. System will verify that the selected signatures
cover the transaction amount; otherwise (No selection or Signature do not cover the
transaction amount) a blocking message is generated.
Step 2: Selecting the account which signatures are to be verified.
Indeed, some operations may include several customers' accounts as well as several amounts.
Though the present step, system administrator will define:
The customer's account that signatures need to be verified.
The operation amounts that need to be checked against the signature authorised
amount.
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This selection is performed within the Operation "accounting Parameters" setting function.
Consequently, for each transaction code (sub module), system administrator will select:
The required account number variable (Indicators referring to the required Branch
Code and Customer Account Number)
The required amount variable (Indicator to the required Amount)
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