Process Flow Document FINS Card A/c

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23 févr. 2014 (il y a 3 années et 7 mois)

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Process
Flow
Document
FINS Card A/c

Contents

Terms used

................................
................................
................................
................................
..............

2

Appointment of Business Correspondent

................................
................................
...............................

2

Enrollment of BC

................................
................................
................................
................................
.....

3

KYC Compliance

................................
................................
................................
................................
......

3

Customer Enrollment

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................................
................................
..............................

4

Customer Financial Transactions

................................
................................
................................
............

6

Customer Non
-
Financial Transactions

................................
................................
................................
....

7

B.C. Transaction settlement
-

branch (HHT
-
IAS Synchronization)

................................
..........................

8

Backend synchronization between IAS & CBS by bank

................................
................................
...........

8

Maintenance of Accounts/Closure of Account

................................
................................
.......................

9


Version 1

Dated 1
st

January 2011


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Terms used


HHT



Hand Held Terminal

IAS



Intermediary
Application Server (F.I. server)

CBS



Core Banking System

B.C
.


Business Correspondent

B.O
.


Branch Officer

IAC



Issuance Authority Card

FIP


Financial Inclusion Pl
an

KYC
-
Know Your Customer

C2IL
-

Coromandel Soft

BOD
-
Begin of Day

EOD
-
End of Day


Appointment of Business Correspondent

1.

As per the terms specified in the Financial Inclusion Plan (approved by the Board), a B.C. can
be identified by the respective branches f
or the allocated villages.

2.

Regional Head approves the appointment of the identified Business Correspondent.

3.

Branch has to confirm that the B.C. is fully KYC compliant, and fulfills all prescribed
qualifications
, while scrutinizing the application form & ot
her documents submitted by B.C.

4.

Necessary stamped & other agreements are signed by the B.C and the Branch officials, and
the same shall be maintained in the branch.

5.

The selected B.C. details shall be informed to FIP
section
in HO P&D Dept.

6.

FIP
Section

sh
all maintain an updated list of all villages, branches, B.C.s etc. for reporting
purposes.

7.

FIP
Section

shall also update information (as stipulated by RBI) in the website of the bank

8.

As per current norms, the B.C. agreement is only for 6 months. Hence,
bra
nch may review
the performance of the B.C vis
-
à
-
vis the expected targets & take a decision on whether the
B.C may be retained for a further period of 6 months. If so, the agreement may be renewed
accordingly. However, if the performance is not at par with
expected levels, branch may
terminate the B.C contract, and identify a new B.C.

9.

Branch may also comply with the agreement terms such as termination of B.C. etc. if
situation so warrants, prior to the 6 month period.

10.

In case of termination the branch has to

recover all assets (including HHT, smart card) from
the B.C. Branch would also have to recover the
net of credits/debits held by the B.C on
behalf of the customers. Branch would also collect
impr
est cash advance granted
and
outstanding
to B.C.




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Enrollmen
t

of BC

1.

Branch official logs into HHT using branch login id and password and captures the finger
-
print of the appointed B.C.

2.

Using a menu option in HHT, the finger prints of the B.C. are uploaded on to IAS, which will
be tagged with a new enrollment number

for the B.C

3.

A B.C. Settlement account number has to be created in Finacle for the B.C. Branch may
request DICT to do the same.

4.

The number so obtained shall be updated in the IAS along with the other details captured
for the respective B.C.

5.

The B.C. Enroll
ment form details are then entered by B.O on to IAS, and linked to the
enrollment number of the B.C.

6.

The application form of the B.C. , photograph, KYC compliance documents etc. shall be
forwarded to FIP
Section

for verification in IAS.

7.

The FIP
Section

sha
ll verify

the same in IAS.

8.

Once verified, FIP
Section

shall use the details for creating a personalized B.C. smart card
which shall contain, the fingerprints and other key details of the B.C.

9.

The personalization has to be done by the C2IL official (holding

IAC) or in case of
emergencies, by FIP
Section

official who has similar privileges.

The BC Card so created will
have a unique authentication, which shall ensure that the card can only be used in a HHT
owned by South Indian Bank
.

10.

This card is a contact
-
les
s
smart
card, which enables the B.C. to use the same
in proximity to
HHT
without direct inserting to HHT
.

(While using HHT, It is suggested that the B.C. may
store the card in a pouch which holds the HHT, so that the card would remain in HHT
proximity alwa
ys.)

11.

The card
is required in the following events that B.C. performs,

a.

BC Login


Currently, If the HHT is idle for 5 minutes, the B.C. is logged out
automatically. Hence, the B.C would have to login again to HHT

for doing any
customer transaction.

b.

HHT Begi
n of Day


BC has to use the card while performing BOD of HHT

12.

For all activities that the B.C undertakes using HHT, bio
-
metric authentication using his
finger
-
prints (any of the 10 finger prints captured during enrollment) has to be performed.

13.

Once, the BC

starts transactions, he/she may require some amount of money as imprest
cash to enable the B.C. to make payments
to customers
in absence of adequate collection
from
other
customers.

14.

This imprest cash (as per limit permitted ) may be paid to B.C. by BO, af
ter passing a cash
debit entry in the BC Advance Account

(These accounts would have to be created by DICT
based on request received from branch)


KYC Compliance


1.

As permitted by RBI, banks may, if necessary, use the services of the BC for preliminary work
relating to account opening formalities.


However, ensuring compliance with KYC and AML

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norms under the BC model continues to be the responsibility of bank.
(DBOD.No.BL.BC.43/22.01.009/2010
-
11 dated 28/09/2010)


2.

Since the accounts are canvassed by the Busi
ness Correspondents, the certified copies of the
KYC documents are adequate and acceptable for the bank to open the FINS Card A/c (No
Frills A/c in nature).

3.

In addition to this the branch may also directly verify the accuracy of the certified
documents on

a regular basis in randomly selected accounts and in cases where there are
reasons for suspecting the veracity of the documents submitted.

4.


A/c can be opened by complying with ‘Simplified KYC Norms’ for which, introduction from
another account holder who

has been subjected to full KYC procedure is sufficient. The
introducer's account with the bank should be at least six months old and should show
satisfactory transactions. Introducer has to certify the photograph and address of the
customer for this purpo
se.

5.

A/cs can also be opened with the introduction from any other person acceptable to the
Bank, including that from the BC appointed by the Bank.

C
ustomer Enrollment


At
the f
i
eld

1.

B.C. identifies prospective customers, informs them on the features, term
s and conditions
etc.

of the FINS Card A/c in local language.

2.

Once the customer expresses
his
willingness to open an SIB FINS Card Account, the B.C.
assists him in filling up the application form (wherever the customer cannot do the same on
his own)


B.C.
also collects the KYC documents (as per rules), photo, PAN no or form 60/61
nomination form
etc. in addition to any other supporting document as stipulated in the
application form.

BC also certifies the copy of KYC document
(POA/POI)
after verifying the
sa
me with the originals and ensures that the customer photo is affixed on the application
form.

3.

As per simplified KYC norms, if the KYC documents are not available, introduction
from a
person acceptable to the bank, including that from the BC
may be obtained
.

4.

Immediately after accepting the application form, B.C. logs in to HHT using his BC Card and
authenticates himself with
his
fingerprint.

5.

B.C. captures all
the
10 finger
-
prints

or the
minimum mandatory
number of
fingerprints

(
currently 6)

6.

After successfu
l capturing of fingerprints, an enrollment slip is automatically generated from
the HHT (in duplicate) with Enrollment number

[

(xxxx

yyy

zzzzz) xxxx
-
branchcode, yyy
-
B.C.ID
and zzzzz
-
unique
enrollment number]. N
umber of fingerprints captured, date and tim
e

are
also printed on the enrollment slip
.

7.

One copy of the enrollment slip is given as an acknowledgement to
the
customer. The other
copy is retained with the B.C. and attached to the Account Opening form. The enrollment
number has to be written by the B.C
. on the application form

also as a precautionary
measure
.



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At
the Base
Branch

&
FIP
Section

(
HO Plg. & Dev. Dept
)

8.

Once enrollments for a day are over, the B.C.
should
visit the branch for submitting the
application forms and transferring the captured fing
er prints

to the IAS
.

9.

The application form
s

are received
by the Branch Officer (B.O.)
and he verifies that the forms
along with the documents
/ enclosures
are in order.


10.

B.O. connects the HHT to IAS, logs in to HHT and uploads the captured fingerprints to
IAS.
IAS system would store these fingerprints against the

respective
enrollment numbers. Once
th
e finger prints are uploaded,
then IAS would permit data entry for the
se

enrollments

from
the base branch
. There is also a provision to enter the data

from a

centralized location
.


11.

B
ranch
does the data entry of t
he application form
s as authenticated by the branch official
with the
respective
enrollment number

as the reference number.


12.

Once the data is entered in the FI server, then the B.O. affixes his signatu
re in the space
provided in the application form with the remarks that the application
has been entered in
FI server and is forwarded to HO Plg. & Dev. Dept. for opening the FINS Card A/c.

13.

T
he application form
along with enclosures is
forward
ed by the bran
ch
to H
O P&D Dept. (F
IP

Section
)

for further processing.

14.

T
he
se

application forms /
documents

/

photo are scanned and stored in a local P.C.
at FIP
section

by giving appropriate file names
for easy identification
(tagged with respective
enrollment numbers

o
r mentioning the respective image file names on the application
forms
). Later, these image files (pdf/jpg) are linked to the respective application form details
already entered
in FI Server.

It is proposed to outsource the

scanning / data entry
activitie
s as stipulated in the outsourcing policy of the Bank.

15.

The officer
attached to FIP
Section

logs in to
FI server and
then verifies the
data alread
y

entered

along with the scanned documents & photo uploaded.

16.

These verified
applications are downloaded by
F
IP
section

from
FI server on a daily basis

and uploaded to Finacle

for generating / opening the customer accounts.

For this, a Finacle
user
-
id linked to Data Centre and with limited acc
ess privilege has been allotted to FIP
section
.


17.

Officer attached t
o FI
P

Section

would then download the customer
-
id
s and

account
number
s so generated as against the respective
enrollment number

from Finacle
to the
local PC.

18.

O
fficer
attached to FIP
section

now
logs in to
FI server
and uploads the
file (as downloaded
in
above step)


from
the local
PC to
FI server.

19.

Once this stage is completed, the
account

number & customer IDs are synchronized

in CBS
as well as in IAS and the
smart
cards
printing process can be initiated.

20.

M/s Coromandal Infotech is required to procure sm
art cards in advance , personalize the
same at their office premises. However, for better control and convenience, C2IL has agreed
to send their authorized personnel (holding an Issuance Authority Card) for personalizing the
cards at HO P&D Dept. using the

Card Personalization Software application. A printer owned
by C2IL is specifically provided in HO P&D Dept. for this purpose. In emergency situations, an
officer in P&D Dept. (who has been allotted IAC card) can also log in and complete the
personalizati
on process.

21.

The Card personalization application is loaded on a separate PC (currently located in HO P&D
Dept.)

The data for card personalization is directly accessed from IAS server

by the
representative of M/s Coromandel Infotech / Officer at FIP
section
.


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22.

After personalization and printing the cards, the authority with IAC card would place the
card in a separate reader, and enter his PIN and authenticate himself with his fingerprint. (3
-
factor authentication). A unique digital key is embedded on to the sm
art card from the IAC
card.

This process is managed by the Key Management Module in IAS.

This facilitates mutual
authentication between SAM Card of HHT and FINS Card.

23.

The personalized cards shall have details of the customer such as name, card number (firs
t 4
digits
-
National Scheme Code for FINSCARD, next 4 digits


BIN allotted by NPCI, next 5 digits
-
branch , next 5 digits


card number and last digit


checksum
: total 19 digits)
. The format is
as per IDRBT standards.

24.

Once, this process is over, IAS would
update the status of the enrolled customer as “Card
Issued”

25.

This status would get synchronized with
the respective
HHT
s during the
next BOD

of HHT
.

26.

Once this stage is over, the card is
dispatched

from HO P&D Dept. to the respective
branches.

27.

The cards so
received

at the base branches

are then
entered in a register and
handed over
by the B.O to the B.C.
after obtaining
his acknowledgement for

final delivery to
the
customer.

28.

The BC in turn approaches the respective customer and deliver the smart card
and
au
thenticates the delivery with

the biometric authentication of the customer. With this the
card is activated and transactions can be done.


29.

We may also get a printed acknowledgement slip bearing, card number, name of customer
and signature
(or thumb impress
ion in valid cases)

of the customer
, which shall be
cross
-
checked by the B.O with signature captured in scanned application form
available
in IAS
.


Customer
Financial
Transactions

1.

Once

the card is activated customers can do the
financial as well as non fin
ancial
transactions.

The HHT will contain
details of the B.C. linked to HHT.

This linking happens
at the time of BOD of HHT.

The HHT will contain
deta
i
ls of all customers serviced by that
HHT.

The following key details of a customer shall be stored in HHT

& validated for
transactions
.

a.

Customer
-
Id

b.

OD Limit

c.

OD Expiry Date

d.

CBS transactions of a customer,

which has to be downloaded on to the customer
card once the customer uses his card for any transaction.

Such transactions will
be erased from the HHT once th
is process is completed.

e.

The daily transactions done by the BC for the customer till next EOD of HHT

f.

Fingerprints. Enrollment number of new customers till such time it is uploaded
on to IAS
.

g.

Customer Account
Balance as obtained from IAS during BOD.
(
However
, HHT
would rely always on the customer card balances, prior to allowing transactions
,

as
any
pending transactions from
CBS not updated on customer card,
would first
be updated to the customer card
, as soon as the card is inserted
)


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h.

Card
Chip Serial Number



This is a unique number, which shall be embedded in
the card.

2.

The balance stored in the card is taken as the final balance for the transaction

by HHT
before proceeding with transaction
. This is because any customer initiated transaction is
possible only
with the customer smart card, and hence the balance in the account stored
in the card would be the most updated one.
There is however, a possibility that a direct
transaction done in CBS (intra
-
day) is not reflected in the customer card, till the HHT
-
card
synchronization.

However, as of now, this is expected to be a rare possibility because,
we are not directly debitin
g any charges from the F.I. customer.

The HHT balance would
also be mostly updated
initially when the HHT BOD happens and subsequently when
c
ustomer does transactions. A
ny discrepancy between HHT and customer card would
ideally be reconciled when the card is inserted into HHT.

3.

Financial transactions include deposits and withdrawals as per the transaction
parameters set in the system. Deposits a
re permitted with the presence of the
smartcard and withdrawals are further validated with biometric authentication. Please
refer document on product feature / terms & conditions

for comprehensive details
.

4.

For deposits the smartcard is inserted in the HHT
and the HHT displays the customer
name and account balance. In addition to this, the HHT also
gives guidance in local
language.

5.

The customer/representative
or the BC
enters the amount to be deposited.

6.

Now the BC collects the amount from the customer
, coun
ts the amount and

confirms
the deposit.

7.

For withdrawals, the smartcard is inserted in the HHT and the HHT
asks for the biometric
authentication of
any one of the
customer finger print
s captured during the enrollment
.

8.

Once the smartcard is authenticated as

above, then the HHT
displays the customer
name and account balance.
In addition to this, the HHT also gives guidance in local
language.

9.

The customer enters the amount to be withdrawn and the BC confirms his cash on hand
position to
meet the
withdrawal

req
uirement
.

10.

Now the
customer confirms the amount and the
BC
makes the payment to the
customer.

11.

Once the transaction is through, then the HHT prints the transaction slip in duplicate


one for the customer and the other one for the BC. As a precautionary mea
sure, the BC
is advised to preserve the transaction slip till the EOD is completed successfully.

Customer Non
-
Financial Transactions

1.

The customer or his representative can do the non financial transactions like balance
enquiry and mini statement for which

the smartcard has to be inserted in the HHT.

2.

Balance Inquiry Steps

a.

BC logs in to HHT using bio
-
metric and card authentication

b.

BC requests customer to insert his/her card

c.

BC selects balance inquiry option

d.

The balance is displayed in the HHT monitor and rea
d out using voice guide

e.

If the customer wishes to have a print, the same can be obtained from HHT


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3.

Mini
-
Statement Steps

a.

BC logs in to HHT using bio
-
metric and card authentication

b.

BC requests customer to insert his/her card

c.

BC selects mini
-
statement option

d.

T
he last x number of transactions (currently 10) available in the customer’s card are
printed along with the current balance

B.C.
Transaction
settlement
-

branch

(HHT
-
IAS Synchronization)


1.

BC Comes to the base branch with the HHT with which he would have do
ne the transactions

and carried out the enrollments.

2.

A log book is maintained at the branch to note the visits made by the BC along with the
details of transactions / enrollment settled by him on a day to day basis.

3.

Branch Officer (BO) logs in to HHT usin
g allotted branch login id and password (Already
allotted to him)

4.

B.O. initiates EOD in HHT. With this, transactions from HHT are uploaded to the Intermediary
Application Server (IAS) and balances in IAS updated.

5.

During the EOD, HHT generates a transactio
n consolidation slip containing totals of credit
and debit transactions that happened in HHT since last BOD and the number of finger prints
to be uploaded
(
captured as part of enrollment)

6.

B.O prepares bank’s transaction slip for both debits and credits (wi
th account number as BC
Settlement Account) as below:

a.

Total Deposits
-

Credit Cash Voucher


B.C. Settlement A/c (In Finacle contra debit to
Cash on Hand)

b.

Total withdrawals


Debit Cash Voucher
-

B.C. Settlement A/c (In Finacle contra
credit to Cash on Hand)

7.

Cashier accepts an amount equal to total credits as per credit slip & pays an amount to the
B.C equal to the debit slip. The slip is entered by a clerk and posted by an officer in Finacle.

8.

B.O. logs in to IAS and does the B.C. Settlement process through a

menu option. The
application displays the B.C. Settlement Account with the amount to be settled. This amount
should be cross
-
checked with the net amount of the cash slips prepared in Sl. No. 5 above.
After confirming the same, B.O. may proceed for settle
ment and after the settlement, in IAS,
the “Operating Limit” figure in IAS will be equal to the initial interest free amount advanced
to the B.C towards imprest cash.

9.

B.O. logs in to HHT and opts for BOD. The B.C. has to place his smart card in the HHT, wh
ile
BOD is initiated. The latest transactions in attached customer accounts (that might have
happened in Finacle on the previous day) and the final updated account balance, shall be
updated in HHT. With this, the account details in HHT and IAS would be sy
nchronized.


Backend
synchronization between IAS & CBS

by bank

(The steps mentioned below are currently being done in FIP
Section
, HO P&D Dept. Once the
system stabilizes, these steps could be done
as scheduled jobs
)


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1.

Every day
in the evening
,

officer attac
hed to FIP
section

in Plg. & Dev. Dept. logs in to IAS
and downloads the HHT transactions already uploaded to the IAS from the base branches.
This marks the

EOD


status in IAS.


2.

These transactions are then uploaded to Finacle for which a user ID has been
provided to
Plg. & Dev. Dept. with necessary privileges.

3.

Once these transactions are uploaded to the CBS, the transactions are posted in the
respective FINS Card AS/cs with their contra entries

created

in the respective BC settlement
A/cs.

4.

With this sync
hronization, the
balance in the respective settlement accounts becomes

Zero.
This process has to be completed before the

Finacle CEOD

process
.

5.

Every day , in the morning Officer attached to FIP
Section

in Plg. & Dev. Dept . downloads
the following data f
rom the CBS:

a.

T
ransactions initiated in CBS in all the FINSCard A/cs

if any
(These are transactions
that took place without the smart cards / HHTs.

b.


T
he up to date balance in CBS as of the EOD status in Finacle
.

c.


The data on overdrafts permitted in FINS C
ard A/cs.

6.

Now the officer attached to FIP
section

in Plg. & Dev. Dept. logs in to IAS and uploads the
CBS transactions to the IAS, uploads the CBS balance file and updates the overdraft status
file as mentioned in a, b & c above.

7.

With the above process
the balances of FINS Card A/cs in CBS and those in IAS shall get
tallied. This is confirmed by the officer in FIP
section

through a menu option in IAS. The
discrepancies, if any are noted and taken up separately. This marks the BOD
Done
status in
IAS.

8.

The

transactions from HHTs can be uploaded to the IAS, only if the IAS status is that of BOD
done.

Maintenance of Accounts/Closure of Account

(This section is documented based on preliminary discussions & hence yet to be finalized)

Change in Address

1.

Any modif
ication in customer’s detail such as address shall be informed to the B.C in a
signed letter and submitted to the branch by the B.C.

2.

The details shall be modified in Finacle and later on downloaded onto IAS.

Granting/Maintenance of Temporary Overdraft Limi
t to customers

1.

The conditions for granting temporary overdraft shall be finalized once the pilot phase of FIP
is completed.

2.

It is expected that temporary overdrafts so granted, shall be first created in CBS. This limit
shall be updated in IAS during BOD/EO
D.

3.

Such limits shall be finally updated in smart cards

on the next attempt by the customer to do
a transaction using his card.

Account Closure

1.

A customer desirous of closing his/her account shall do a balance inquiry and should be
given a print
-
out.


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2.

The cu
stomer shall fill in a request form/send a letter , by affixing his/her signature for
closure of account and hand over the same to B.C.

3.

The B.C. shall submit the sign
ed letter/form to the branch

4.

Branch shall first pay interest in the account in Finacle, a
nd collect pending charges, if any.

5.

These transactions and balance
,

shall be updated in IAS during EOD/BOD

6.

The B.C. shall approach the customer, and request him/her to initiate withdrawal of
outstanding balance. As is the normal practice, HHT shall update
the customer card with CBS
transactions, and CBS balance. The final balance can then be withdrawn by the customer.

7.

The card shall then be collected back by B.C, and handed over to the branch

8.

The branch shall mark the status of the card as “Account Closed”
in the Card Issue Register.

9.

The account shall be closed in IAS & CBS (no further transactions expected/permitted)

Damaged/
Lost Card

1.

The customer shall inform in writing the B.C/ B.O of
damaged/
lost
card
incident and request
for a duplicate card.

2.

In case of

lost cards, B.O collects the prevailing amount for issuing duplicate card, as cash
from the customer.

3.

B.O. forwards the request to FIP section in P&D Dept.
who shall then mark the card as
damaged/lost in IAS.

4.

The card chip serial number shall be differen
t for the new card. However, all the other
details shall remain the same.

5.

A new card is issued using normal issuance steps in IAS

***********************