Complete Software Solution for Banks

and Payment Providers

ARBES

OBSOnline Banking System

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 ARBES OBS
Online Banking System
COMPLETE SOFTWARE SOLUTION
for banks and payment providers

ARBES OBS is a complete-yet-modular modern banking system. Due to its

flexibility, scalability and modularity, the system can be used by banks of various
types and by payment providers.

The extent to which banks use the ARBES OBS system ranges from complete
coverage of their agendas, for which ARBES OBS covers all BO and FO operations,
the support of remote branches, G/L generation and the providing of complete
functionality for all communication channels such as the Internet, GSM, e-mail, etc.,
to the use of separate ARBES OBS modules in cooperation with the bank’s legacy
solution.

Payment providers use ARBES OBS to administer client accounts, to

communicate with banks maintaining NOSTRO (Jumbo) accounts, to automate
the processing of incoming transactions and matching them to client accounts,
and to expose the rich and secure payment functionality over the Internet to
clients as well as to merchants, eShops and business partners. The ARBES OBS
system includes modules allowing secure Internet payments, ePayments for
eGoods and efficient microPayments.

ARBES OBS supports both the centralized and branched topology of the bank
or payment provider. Remote access is supported by the ARBES OBS WebOffice
module, a thin client intranet application running in a standard browser over any
secured intra/internet connection. ARBES OBS WebOffice can also be used
for any third-party outsourcing organization such as call center providers, agent
networks, business partners, etc.

The ARBES OBS modules for Internet and Mobile Banking can run either with
the core of the ARBES OBS solution or separately with any legacy banking
system. They provide a flexible secure modular and modern interface to all
banking products and services over the Internet and GSM. Due to the complete
separation of the business logic and presentation layout, the solution can be
tailored to a specific company graphic layout while maintaining the standard
functionality. Mobile banking goes well beyond mere SMS banking as it covers
SIM Toolkit, Java, PDA and WAP technologies.

ARBES OBS can be used in conjunction with ARBES TOPAS (a portfolio

management system), the ARBES FEIS accounting system and the ARBES CRM
system. The full combination of these systems renders a complete platform
for comprehensive support of bank or payment provider processes.

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 KEY FEATURES

Continuous operation 24/7

Modular structure

Parameter-driven core banking module

Multi-currency, multi-language, multi-product environment

Integrated G/L accounting

Internet and multi-generation Mobile Banking modules

Special modules for Payment Providers

Support for ePayments and microPayments

Light-weight module for branches and third-party external partners

Robust reporting engine for on-demand and automated reporting

Impenetrable security, system topology, client and staff identification

and authentication, automatically generated audit log trail

Automated system monitoring – status of all system components,

security attacks and suspicious client or staff activity

Flexible and scalable architecture and topology – from a single server

to a complex multi-server fail-over environment

Proven rapid implementation

Comprehensive training program

On-site and remote post-implementation support

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 ARBES OBS
System description
ARBES OBS is a modular system. Individual modules
can be freely combined according to the specific needs
of the bank or payment provider. Additional modules
can be added gradually as needed by the OBS client
or when the client becomes ready for implementation.
This flexibility makes it possible to start with a set of
key modules and to continue step-by-step up to the
complete coverage of company processes.
All modules share a common central database.
All data is kept in the database in singular form with
no duplication or replication necessary. This ensures
data consistency and efficiency.
CORE
The core module is the main building block providing
the functionality for accounts, transactions and the
audit trail. The module defines the core data structures
used by all other modules. The core module is required
in all implementation scenarios except when a bank
wants to use its own legacy system and use just the
ARBES OBS Internet and Mobile Banking modules.
Accounts
ARBES OBS administers all types of accounts (current,
deposit, loan, escrow, fiduciary, internal, G/L and
others), all with multi-currency behavior. The system
makes it possible to:
Set the highly flexible and configurable type and
behavior of an account
Attach an account to a preconfigured fee and
interest structure, either by type or individually;
the accounts can be grouped to optimize the fee
and interest strategy
List the allowed contra-accounts that can be
credited from an account
Specify a limit for 4-eye confirmation; any
transaction debiting an account more than the
specified limit will automatically require the
approval of an appointed bank BO official
Specify account overdraft limits
Specify the period for account statement
generation and distribution
Administer payment cards issued for an account
ARBES OBS
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Specify the individuals that are to have access
to an account and define complex rules for
account manipulation (entering transactions,
depositing or withdrawing cash, obtaining
account information such as transaction history
or a current balance) over any supported
communication channel for an unlimited number
of persons
The standard account properties can be extended by
custom tailored bank-specific attributes that can later
be used to automate such specific tasks as due diligence
verification, account opening workflow processes, etc.
All changes of the account parameters are automatically
verified and tracked into the system audit log.
Transactions
ARBES OBS automatically processes transactions
originated by the bank staff, clients over the direct
communication channels and by the system itself
(fees, interests, deposits, loan maturity, etc.). Processing
is launched periodically in configurable intervals.
Transaction processing works in several steps:
Complex validation of manipulation rules, limits,
overdrafts and statuses of all accounts used
in a transaction. ARBES OBS supports 4-eye
confirmation – a transaction exceeding the 4-eye
limit set on a debited account will generate a request
for approval by an appointed BO official.
Creation of transaction log records affecting
credit and debit account balances. Currency
conversion is processed automatically if required.
Currency rates are taken from current bank
currency rates or they can be specified for an
individual transaction.
Calculation and processing of transaction fees
depending on the transaction type, currency,
account type, communication channel and
conversion.
Generation of notification messages. Messages
can be generated when a transaction is
processed or failed to be processed and can be
sent over any supported communication channel
(e-mail, fax, GSM-SMS, call center, etc.).
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 ARBES OBS offers wide-ranging support for standing
orders, wire transfers, direct debits, collections,
cash operations, currency conversions, internal G/L
transactions and other types of transactions.
ARBES OBS also processes holds – transactions
decreasing the available account balance but leaving
the current balance intact. Holds are used internally,
for example, to keep track of preauthorized amounts
stemming from payment card authorizations.
Transaction processing automatically detects and
executes EOD, EOW, EOM and EOY operations.
All operations with transactions, both human and
system initiated, are automatically recorded into the
system audit trail log.
Audit trail
The audit trail automatically keeps track of all
operations and changes made by bank staff, clients and
batch processes over any communication channel. The
audit trail makes it possible to recreate any historical
information as it was at any specified time in the past.
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Records in the trail can be periodically and
automatically scanned for system inefficiencies,
errors in processing or for suspicious staff
or client activities. Reports of such findings
are then automatically sent to the system
administrators, security specialists, etc.
System administration
ARBES OBS is a parameter-driven system.
The products and their behavior are not hard
coded but rather driven by parameters. The
system administration allows for the definition
of all parameters and the introduction of new
products and services, new fee and interest
structures, new languages, currencies, etc.,
all in a secure and user-friendly environment.
System administration also allows for
user management. Users can be assigned
to roles; access rights for more than
100 system-provided operations can be
derived from the roles or assigned on an
individual basis.
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 Optional ARBES OBS Modules
ARBES OBS WebOffice
ARBES OBS allows remote mode of work using the
light-weight intra/internet application.
ARBES OBS WebOffice implements all functionality
necessary for BO and FO operators in the
environment of a standard internet browser. The
application is optimized for high performance even
on slower connection lines which makes it ideal for
external users like third-party outsourcing partners
(call centers, bank agent networks), eShop managers
or other business partners. As security is a big
concern, the authentication of users adheres to the
highest security requirements and all communication
is encrypted.
ARBES OBS
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MODULE FOR TERM DEPOSITS AND LOANS
The module administering term deposits and
loans automates the lifecycle of various types of
term deposits and loans and projects the financial
aspects of term deposits and loans into the G/L.
Term deposits
ARBES OBS supports term deposits of many various
types – plain term deposit maturing on date or on
call, revolving term deposits, saving term deposits
and others. All operations with term deposits are
automated. ARBES OBS also supports non-standard
operations such as premature termination or partial
withdrawal. Term deposit details and history are
integral parts of the consolidated account statements.
Loans
ARBES OBS administers flexible customizable types
of loans. The specific loans and combinations of loan
and term deposit products can be supported. All
operations are automated and projected into the G/L.
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 MODULE FOR PAYMENT CARD ADMINISTRATION
The payment card administration module administers
communication with payment card production and the
processing company. The card branches and the types
of the payment cards are fully customizable.
The module exports in batches all requests for new
plastic cards and provides support for the export
of payment card balances and limits and the import
of card authorizations and settled transactions. All
information concerning card authorizations and
transactions becomes an integral part of the core
transactions, which enables the incorporation of
it into the consolidated account statements and
a detailed overview of payment card history.
STATEMENTS AND REPORTS MODULE
The reporting module allows for the defining of complex
consolidated account statements and virtually any
reports from the data kept in the central database:
Management reports (trends, efficiency of
branches, departments and individual staff
members)
Regulatory reports
Marketing reports (efficiency of marketing
campaigns, verification of the marketing
hypothesis, research of segments, etc.
Accounting reports (G/L, Charts of Accounts,
Profit & Loss, Balance Sheet, Cash Positions,
Open Currency Positions, Accrued Interest, etc.)
Statistical reports
Client reports
The reports are generated on demand or regularly
in predefined periods and they can be subsequently
distributed via e-mail or published on the intra/internet.
The reports take the form of Excel, Word, HTML,
plain text and XML documents.
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e COMMERCE MODULE
The ARBES OBS eCommerce module provides
B2C and B2B functionality. The module exposes
automated secured Internet XML interfaces allowing
eShops to automate ePayments for their tangible and
non-tangible goods and services. The interface allows
both single individual payments and combined payments
stemming from microPayments. The financial flow
between the bank (payment provider) and the eShop is
optimized to keep external bank charges to a minimum.
The communication between eShops and the ARBES OBS
systems is fully automated, XML-based and digitally signed.
COMMUNICATION MODULES
ARBES OBS provides a versatile communication module
allowing the definition of formats and contents for the
import and export of any data from the central database.
Once configured, the communication via batch data files
can be fully automated or manually controlled. The rich
operation reports allow the monitoring of the smooth
processing and provide prompt notification of potential
problems.
The standard preconfigured communication includes:
Processing of outgoing transfer instructions
for any corresponding bank
Statement processing from a corresponding bank
Export, import and processing of SWIFT records
Automated import of currency rates from any
external source
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 Optional ARBES OBS Modules
INTERNET BANKING MODULE

ARBES OBS Internet Banking provides bank clients with a secure, efficient,
flexible and fully configurable interface to all banking products and services.
The graphic design, menu structure, supported languages and integration
with the core banking system is fully customizable. The products and services
exposed by the Internet Banking module range from a standard banking
portfolio to state-of-the-art electronic payment or microPayment tools.

The ARBES OBS Internet Banking module generates full-featured HTML pages
for standard web browsers, WAP pages for mobile phones and simplified
Internet pages optimized for low-resolution PDA displays.

Security of the Internet Banking module is comprised of the following:

Client identification and authentication – any combination

of a unique client ID or payment card number with a static password,
a bank-generated password sent to a pre-registered client GSM phone,
a one-time password generated by a security token or a randomly
generated digitally signed password (PKI).
All communication is encrypted with HTTPS SSL 128-bit or higher.
All client requests and actions are automatically recorded into the
system audit trail.
The ARBES OBS implementation team provides guidelines for a secure
system environment – fail-over system topology and architecture, backup
strategy, tools and procedures for system monitoring and maintenance, etc.
The Internet Banking module works with both the ARBES OBS Core module
and any other banking system through a well-designed communication
interface.

MULTI-GENERATION MOBILE BANKING

ARBES OBS comes with a wide range of mobile banking technologies using
a broad set of GSM technologies allowing clients to communicate with
the bank anytime from anywhere in their preferred manner. All information
exposed via ARBES OBS Mobile Banking comes directly from the core
database; the active operations are sent directly to the core banking system
for immediate processing.

ARBES OBS

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 ARBES OBS Mobile Banking implements the functionality in technologies brought about by
several mobile generations:

Plain SMS Banking

SIM Toolkit Banking
Java Banking
WAP Banking
PDA Internet Banking

All technologies provide secure and immediate access to sensitive client banking data and also
allow active operations. All methods of mobile banking (except for plain SMS) communicate in
an encrypted manner.

SYSTEM MONITORING MODULES

The ARBES OBS scalability and flexibility makes it possible to run the system on a single
server as well as on server farms installed in a complex global topology with automated
load-balancing and fail-over features. The monitoring modules continuously check all servers
and services, notify the appropriate administrators about system problems or misbehavior
and execute fail-over procedures in the case of disaster. The monitoring modules can also be
plugged into other third-party monitoring tools.

OPEN INTERFACES AND STANDARD TECHNOLOGIES

ARBES OBS has been built from the outset with the Service Oriented Architecture (SOA) in
mind. The functionality of all modules is securely exposed to third-party software.

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 SECURITY
is always the number one priority at ARBES

QUALITY OF DATA SECURITY

The architecture of the ARBES information systems and the expertise in the creation
of banking applications is based on the following principles and technologies:

Proven ORACLE database technology – as an “ORACLE Certified Partner”,

ARBES has access to the latest security developments and database
products and our qualified specialists are continuously trained.
Secure Socket Layer (SSL) for all Internet-based connections.
All data changes are logged on the central database level.
The central access right control system allows for the information
system administrator to assign user access rights depending on the
type of user.
It is possible to activate the 4-eyes principle for processes and records
to be approved by multiple users in selected, operationally strategic
ARBES applications.
Disaster recovery – ARBES offers consultation and methodology design for
disaster situation solutions for which it is necessary to restore system activity,
restore data or activate a backup work location.

IMPLEMENTATION

The implementation process of information systems, the subsequent

service support and the maintenance of installations are all managed in
accordance with methodology that fully complies with ISO 9001:2000
standards.
A part of the preparation of a new ARBES solution is always a pre-implementation
analysis of the processes and business activities of the user organization,
carried out as an implementation study. This analysis essentially eliminates
potential project defects and specifies the key details required by the client
organization in a timely manner and without subsequent difficulties.

SERVICE AND SUPPORT

Automatic annual upgrades.

Qualified consulting services via the Help desk during regular business hours.
Contractual reaction time during the solution of disaster situations.
Ability to perform secure, authorized remote administration and diagnostics.
Product training either at the client premises or at ARBES’s own
specially-designed training facility.

ARBES OBS

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 ARBES
Accomplished Solutions ARBES SOFTWARE SYSTEMS

ARBES OBS
COMPANY PROFILE Online Banking System.
A banking solution
ARBES Group, established in 1991, is a European Software for retail and private banking
Provider which has developed a wide range of highly-scalable providing professionally secured
and flexible software solutions for Banking & Finance and Internet & GSM Banking functionality.
Accounting & Financial Control. As a result, ARBES has extensive
experience in software solution design, development, support ARBES TOPAS
and maintenance. TOP Portfolio Management,
Accounting & Trading software
The family of ARBES information systems includes a wide range of solution. A large modular system
solutions for Retail and Private Banking, Portfolio Management, being used by investment companies,
Brokerage, Collective Investment Management – Transfer Agency, investment funds, pension funds
Financial Leasing and Factoring, Client Relationship Management and brokerage houses.
and Enterprise Resource Planning with strong domain expertise
in Accounting. ARBES TA
Transfer Agency and Collective
Operating from London and Prague, the latter being the site Investment Management system.
of its main development base, ARBES offers the advantage of
ARBES NEMO
being easily accessible to international clients, providing highly
a solution for real estate investment
professional cost-effective software development as well as
fund management.
IT consulting services.
ARBES FACTORING
a sophisticated solution designed
QUALITY STANDARDS
for companies providing Financial
Factoring services.
All ARBES implementations and services are delivered by using
project mechanisms in full adherence to ISO 9000 standards. The ARBES LEASING
ISO 9001:2000 certificate was approved by DNV for “Providing a modular system used by leasing
of software development and sales including all related services” companies.
as well as for “Providing of IT professionals according to customer
demands needed for development, implementation and project ARBES FEIS
management in the field of information systems”. a large modular ERP package with
a domain in Accounting.

ARBES CRM
SERVICES AND PRODUCTS
a universal Client Relationship
Management system.
SOFTWARE DEVELOPMENT AND IT CONSULTANCY
ARBES TENDER
a comprehensive software solution
Throughout the company’s existence, ARBES has carried out
for the management
numerous custom development projects for its clients including
of tender processes.
complex e-banking retail system development, portfolio and asset
management as well as for other demanding business activities.

ARBES’s solid technological and project expertise along with its

drive for thorough understanding of customer requirements gua-
rantees our clients modern, professional and intelligent solutions.

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 ARBES TECHNOLOGIES, S.R.O. ARBES LIMITED ARBES, S.R.O.
ŠTEFÁNIKOVA 32 60 CANNON STREET BAJKALSKÁ 5
150 00 PRAGUE 5 LONDON EC4N 6NP 831 04 BRATISLAVA
CZECH REPUBLIC UNITED KINGDOM SLOVAK REPUBLIC
TEL: + 420 241 010 111 TEL: +44 (0)20 7002 1023 TEL: + 421 244 632 618
FAX: + 420 241 010 165 FAX: +44 (0)20 7002 1106 FAX: + 421 244 460 237

WWW.ARBES.COM | WWW.ARBES.EU | WWW.ARBES.CZ

COPYRIGHT © ARBES 2008.

ARBES IS A REGISTERED TRADEMARK. ALL OTHER LISTED TRADEMARKS ARE REGISTERED AND ARE THE PROPERTY

OF THEIR RESPECTIVE OWNERS. THIS PRINTED MATERIAL IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY.

ARBES RESERVES THE RIGHT TO CHANGE THE VALIDITY OF THE PRESENTED DATA WITHOUT PRIOR NOTICE.

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