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Session 3 CBS

Session 3 CBS

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Published by: Pravah Shukla on May 27, 2010
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03/28/2011

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CBS Overview

CBS

Migration process

LET US TAKE CLOSURE LOOK

ROUTER
SWITCH

ROUTER

SWITCH

05/27/10

CBS Overview

2

ZNC

BRANCH
ROUTER

SWITC H

NC
05/27/10 CBS Overview 3

LAN

ROUTER

SWITCH

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CBS Overview

4

Network Design
Data Centre ZNC1 NC1
Br11

ZNC2 NC2
Br21

ZNCn NCn

Br1n

Br2n

Brn1

Brnn

ZNC: Zonal Network
Centre NC : Network Centre

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

Features of CBS

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CBS Overview

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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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CBS Overview

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Finacle Structure - BASICS
Database Server

Application Server

web Server

Storage Switch

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Server management console

User Interface
10

CBS Overview

DATABASE SERVER -USERS GET THEIR DATA PROCESSED

STORAGE

4 APPLICATION SERVERS -USERS GET THEIR COMMANDS EXECUTED

2 WEB SERVERS -USERS GET THEIR FIRST PAGE CBS Overview

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11

Surround Applications
Database Server

Storage

ATM
Application Server

WEB SERVER

IBS

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CBS Overview

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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
05/27/10 CBS Overview 15

Anytime, Anywhere Banking
Bancs Connect
Database Server

Storage

Anytime Anywhere Banking
Application Server

Stand-in Server

Branch Banking
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web Server
CBS Overview 16

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.
05/27/10 CBS Overview 18

• 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.
05/27/10 CBS Overview 19

• 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
05/27/10 CBS Overview 20

• 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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CBS Overview

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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

router
05/27/10 CBS Overview

NC
24

CBS – Finacle Architecture

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CBS Overview

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Finacle Technology Platform
• Unix
– different flavors of Unix

• RDBMS
– Oracle

• Browser
– universal client

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CBS Overview

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Finacle Functional Architecture
BANK
External Interfaces Browser based Teller Other applications connected on-line

C U S T O M E R
ATM/ POS Phone banking BankAway

Bancs@Web

BancsConnect

Application and User level Security
Services Multilingual | Workflow | Report Writer | Signature Display | Interest

Documentary Credit Preshipment Credit Export Bills

Savings/Checking

Guarantees

Current Account / Overdrafts

Import Bills

Parameterised

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 Backbone

General Ledger | Transaction Manger | Multi-currency

Database & OS Security
05/27/10 OS & RDBMS CBS Overview 27

Oracle & Unix variants

Remittances

Deposits

Loans

Finacle Retail & Corporate
User definable products Flexi Fixed Deposits Recurring Deposits Reinvestment Deposits

Savings/ Checking
User definable products

Term Deposits

Fixed rates Deposits

Current Accout with Overdraft

Current Accounts

Retail & Corporate Products

Floating Rate Loans

Term Loans
Equated Installment Loans Flexible Repayment Schedule

Sweeps & Reverse Sweeps

Overdraft

Demand Loans

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User definable products

CBS Overview

28

Finacle - Trade Finance
Inward Inland/Foreign Outward Inland/Foreign

Forward Contracts

Documentary Credits

Inward Inland/Foreign

Pre-shipment Credits

Trade Finance

Bills

Outward Inland/Foreign

Remittances
Inward

Bank Guarantees

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Outward

CBS Overview

29

USER GROUPS IN CBS
05/27/10 CBS Overview 30

• 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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CBS Overview

31

Work Class
010 015 020 030 040 050 055 060 070 080 090 095 099 100 200 300
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CLERK CTO Category A CTO Category B SPECIAL ASSISTANT OFFICER ASSISTANT MANAGER DEPUTY MANAGER MANAGER SENIOR MANAGER CHIEF MANAGER ASSISTANT GENERAL MANAGER DEPUTY GENERAL MANAGER GENERAL MANAGER INCUMBENT IN-CHARGE AUDITOR DBA
CBS Overview 32

Type of Users in CBS
• • • • • • • •
05/27/10

AD BO DB DC DQ GU HO IN

ADMINISTRATIVE OFFICE BACK OFFICE USERS SYSTEM INCHARGE – DBA - DATA CENTER DATA CENTRE-INQUIRY GENERAL USER HO DIVISIONS USERS INSPECTORS
CBS Overview 33

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 Overview

34

CBS Case : Setup at PNB

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CBS Overview

35

• 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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CBS Overview

36

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

CBS Transaction Processing system ATM Switch

EDW MIS and Data Mining system

Regulatory Compliance

New Business requirements can be met with either a new application or customisation of CBS

User will interact with CBS and EDW only

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CBS Overview

37

YOUR QUERIES ?

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CBS Overview

38

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