Settlement and cash services
- one of the priority areas of the bank's activities, which includes a wide range of different banking services. The complex of RKO Applications is designed to manage all business processes associated with various stages life cycle contracts for settlement and cash services to the client. Organized accounting and analytical accounting of transactions for work with cash settlement agreements in accordance with the internal requirements of banks and legislation, ensured the execution of mass transactions, the possibility of their multi-stage control, convenient entry of documents, flexible settings for various printing forms.
Tasks to be solved:
- Maintenance of cash settlement agreements in the currency of the Russian Federation
- Maintenance of cash settlement agreements in foreign currency
- Working with checkbooks
- Accounting for forwarded documents accepted for collection
- Interest accrual
- Withholding commissions
- Restrictions on cash settlement accounts
- Accounting and distribution of export earnings; reverse sale of currency
- Maintaining a file cabinet 1 by term
- Maintaining file cabinet 1 on suspended operations
- File management 2
- Control of cash discipline of the enterprise
Applications of the section "Collection" provide accounting for the entire range of services to clients: cash collection operations for clients, its recalculation and crediting to the client’s account, delivery Money and valuables, as well as collection of their own units.
Tasks to be solved:
- Accounting for collection agreements with customers
- Accounting for internal collection agreements
- Accounting for bags
- Reporting
Complex of Applications "Maintaining and accounting cash transactions»
for the organization of cash transactions in the bank.
Tasks to be solved:
- Receiving and issuing cash
- Cash reporting
- Printing checks on KKM
- Printing the final report and the shift closing report
Complex of Applications "Currency exchange operations" designed to expedite customer service in internal structural divisions(VSP) and cash desks when carrying out operations with cash currency and checks. The use of applications will allow organizing accounting and reporting in accordance with current legislation, and will reduce the likelihood of errors by cashiers when processing transactions with cash and checks.
Tasks to be solved:
Letter of credit- one of the types of documentary operations of the bank. This form of non-cash payments between clients is relevant when conducting large financial transactions that require serious guarantees (purchase and sale of real estate, Vehicle, payment valuable papers etc.). Applications for working with letters of credit are intended for issuing and maintaining letters of credit in accordance with regulatory documents, reflecting operations in accounting. Complex of Applications "Letters of Credit" allows you to work with all types of letters of credit: covered (deposited), uncovered (guaranteed by the bank), revocable and irrevocable. Their use will allow the bank's specialists to carry out all the necessary operations for maintaining letters of credit as simply and efficiently as possible.
In 2016, the international company SWIFT developed the CSP (Customer Security Program) user security program. Its goal is to increase the level of information security of participants in the financial messaging system. According to this program, all SWIFT clients are required to conduct an annual assessment of banking security against 16 criteria. The new requirements apply to the entire IT environment of the bank - from the level of data exchange to the settings of user PCs.
SWIFT clients must do the conformity assessment themselves or with the involvement of independent auditors accredited by SWIFT. CFT has many years of experience in conducting audits for compliance with various banking standards, and is a member of the Russian National SWIFT Association (ROSSWIFT). The company has all the necessary competencies and resources to provide banks with quality audit and consulting services under the SWIFT CSP program.
"Our task as a vendor is to help banks make the payment information transfer system as secure as possible, minimize the financial and reputational risks of banks and their customers," says Andrey Visyashchev, Chairman of the Board of CFT Group of Companies. organizations to SWIFT system. We completed the first project to certify the local IT infrastructure for compliance with the new SWIFT requirements at Expobank, one of the leading participants in the Russian financial market. The results of the work carried out allowed our partner to make sure that high level security of your connection to the SWIFT system. Our specialists also conducted an audit of the information security of Aksonbank's IT infrastructure and implemented their own internal project - they made a self-assessment of the compliance of RNCO "Payment Center" (part of CFT Group) with the new SWIFT requirements. Since such audits have been mandatory and annual for financial market participants since 2018, we have included consulting services in the field of compliance with SWIFT CSP standards in our portfolio of services and are ready to assist banks in checking the effectiveness of their information security measures."
As part of cybersecurity services for SWIFT clients, CFT specialists perform complex analysis IT infrastructure security financial organization, conduct a survey of the existing IT environment of the bank, assess the compliance of the client part of the SWIFT infrastructure installed in the bank with the requirements of the SWIFT Customer Security Controls Framework standard.
SWIFT is a global cooperative community, an international interbank system for transferring information and making payments. Founded in 1973. The main office is located in Brussels. Official site: https://www.swift.com/
Center for Financial Technologies (CFT) is a group of innovative companies working in the field of information technology for the financial sector since 1991. The main activity of CFT is related to the design, development and replication of high-tech solutions for credit and financial organizations, providing a wide range of processing services, IT-consulting and training of banking specialists. CFT is one of the TOP-5 largest software developers operating in the Russian market.
Bank managers always know what financial products to offer to customers, but they cannot do it quickly enough. Often they are held back by IT.
The catalogs are aimed at specialists of bank business units, and allow for the technical preparation of a new Product for launch in a bank in just a few hours.
The launch of a Product turns from an IT project into a business project.
For each Product, the Catalogs contain a set of Applications and settings necessary for its implementation in CFT-Bank. Choose exactly what you need.
For your convenience, the Application Catalog includes detailed information about each of the Applications:
- description of the business problem for which it is intended,
- main functions of the Application,
- flowcharts of business processes,
- screen examples,
- rating of banks using the Application,
- and its price.
Use Catalogs and in just a few minutes you can:
- choose the set of Products and Applications you need,
- calculate its total value.
For any questions related to the selection or use of the Products/Apps, please contact the CFT Support Service specialists by calling the toll-free number “ hotline»: 8 800 200 95 75 or by e-mail: .
Didn't find the right Product in the Catalog?
Formulate your business requirements and the deadlines for when, in accordance with the internal plans of the bank or business unit, the Product should be implemented. Within 24 hours, CFT analysts will create and offer you a set of Applications and settings that ensure its implementation.
CFT proceeds from the fact that the Bank's experts:
- will choose only those CFT Products that solve its “burning” business tasks,
- understand the volume of CFT investments in the creation of Products,
- understand the high qualification of experts who will be involved by CFT in providing services to the bank,
- have their own estimate of how much it should cost.
(version 1.48.05)
Program installation:
The CFT - Bank Client software is distributed in the form of a Sberbank catalog.
If the CFT - Bank Client program is not installed on the computer, it is necessary to copy the Sberbank directory to a local drive (C:\Sberbank is recommended by default) or to an open network resource (copy and open write access to the Sberbank directory) in case of installation on several computers connected by a network. Further, the copied directory is designated as SBERBANK.
Install if Internet Explorer version 5.5 SP2 or later is not already installed.
Install if Microsoft XML Parser version 3.0 or higher is not already installed (SBERBANK\SpedDis\XML\msxml3.msi). By default, available in Windows XP and included with Internet Explorer version 6.0, MS Office XP/2003.
Install if Windows Installer version 2.0 is not already installed:
for Windows 9x: SBERBANK\SpedDis\InstMSI\instmsia.exe;
for Windows NT/2000: SBERBANK\SpedDis\InstMSI\instmsiw.exe.
Run the SBERBANK\SpedDis\Distrib\cftbc.msi file.
During the installation process, it is recommended to select the "Full" option.
Create configuration:
The configuration for an organization (IP) is distributed in the form of a catalog with the name nnnnKxxxx (the so-called organization identifier), where nnnn is the number of the Sberbank branch where the client is served, and xxxx is the client number in this branch. This directory contains files: 1.vol, cvtnam.ldif, *.doc files and public directory. This directory can be distributed as an executable self-extracting archive, or in any other way. In any case, you must copy the nnnnKxxxx directory to the SBERBANK\SpedDis directory. It is possible that the configuration has already been copied to the distribution kit beforehand.
Copy the kl??????.nkl file from the Communication Key floppy disk to the SBERBANK\SpedDis\nnnnKxxxx\Public directory.
Run the program " Workplace"CFT - Bank Client"
In the "Select the configuration of the workplace" window in the "Management" menu, select the "Create" item, the "Configuration Wizard" will start (if there are no configurations, the "Configuration Wizard" will start automatically when the configuration selection window starts).
Open the directory with the configuration distribution package SBERBANK\SpedDis\nnnnKxxxx and click "Next".
Check parameters, change if necessary.
The parameters "Client", "Bank", "APS", "SRK" are filled in automatically from the SBERBANK\SpedDis\nnnnKxxxx\cvtnam.ldif file. If not filled, then the directory with the distribution kit was specified incorrectly (see item 11).
Attention! If the program "CFT - Bank Client" for another organization is already installed on the computer, then you must specify the path to a non-existent directory. For example, C:\Sberbank\Workplace\1 or similar. If you are installing on multiple computers, you must specify the path on a network drive.
The parameter "Client password for APS" - any character (should not be empty!).
If you intend to use keys on floppy disks, then you must uncheck the "Use touch memory" flag on the "SZI" tab and specify as the "Key device" parameter: PRV.BCR,A:\k-XXXX.pfx, where k-XXXX.pfx – key file name.
If you intend to use keys on touch memory, then you must set the "Use touch memory" flag on the "IPS" tab and specify as the "Key device" parameter: PRV.BCR,.
Click the "Create" button, the "Configuration Wizard" will create the configuration.
Close the Configuration Wizard.
In the configuration selection window of the “CFT – Bank Client Workplace” program, select the menu item “Management\Update list” or press the F5 key on the keyboard.
To organize multi-user work from several computers, it is recommended to create a configuration on one computer by following the sequence of actions described above (subject to clause 12), and create configurations on the rest by exporting/importing configuration parameters.
Settings:
Select the created configuration in the list and click the "Select" button. Enter the password and click "OK".
Check the settings in the "Tools \ Options" menu item on the "General" tab, change if necessary. The following settings are recommended:
In the menu item "Tools \ Options" on the tab "Print" in the item "Output reports \ Orientation" select "As specified in the report."
Open the "Service\Users" menu item, click the "Add" button and tick all the lines. (For entrepreneurs, this paragraph is not fulfilled).
Exchange Setting:
Press the "Exchange" button. The program "Module of exchange" will start.
Open the menu item "Settings\Connection ...".
Select "Use modem".
Click the "Add" button. Create connection:
Phone number:
2102896 (for customers located in Perm);
8.3426410001 (for customers located in the Perm region);
Recommended name - "Sberbank
»
.
Click the "Properties" button, on the "Server Type" (Windows 9x) or "Network" (Windows 2000\XP) tab, disable all Extra options and all network protocols except TCP / IP (you can not disable the "QoS Packet Scheduler").
In the "Remote Access Settings" window, enter the "User" and "Password" (the username and password are the same for all clients):
If the phone number was 2102896:
User: user;
Password: testtest.
If the phone number was 8.3426410001:
User: client#zubsped;
Password: bank.
Press the "OK" button.
In the menu item "Settings\Logging level" check the box "Low".
Key update:
In order to avoid unauthorized copying of keys (communication key or EDS, hereinafter key) and account management, the client is required to renew the keys at your workplace. This procedure guarantees the uniqueness of the updated key that exists after the update in a single copy, i.e. all other copies of the keys made before the update lose their relevance, and hence the right to manage the account.
Select the menu item "Service\EDS Keys\Update". To the question "Are you sure you want to update the key?" answer "Yes".
Insert the key into the drive, enter the password in the password entry window and click "OK".
When prompted to print the public key, select "To printer", but if the printer is not available, you must select "To file ..." and specify the name of the file to be saved. Later, this file will still need to be printed.
On the message about the need to exchange, click "OK".
Close the program.
Repeat points 22.1 - 22.4 for everybody key.
Insert the communication key into the floppy disk drive and make a connection with the bank, while requests to update the key will be sent to the bank. The answer is generated by the Bank automatically, the answer can be received by repeating the communication session with the bank in 10-20 minutes.
Upon receipt of a response to the key renewal request, during the next exchange with the bank, a message of the form will be displayed: "Reply received for update key request for...". After this message, close the program, re-enter the "Workplace" CFT - Bank Client ".
Answer “Yes” to the question about the completion of the key renewal procedure.
When prompted, insert the floppy disk with the updated key and click OK.
In the password entry window, enter the password for the key and click "OK" (if the program was entered using a key that was not being updated).
Repeat points 22.9 - 22.11 for everybody updated key.
Important!: usually appropriate
create copies of updated diskettes, otherwise, as a result of the inoperability of the diskette, it will be necessary to apply to the Sberbank branch for a new diskette, which entails a loss of time and the opportunity to work in the CFT - Bank Client program. However, it should be taken into account that
at the same time, the risk of unauthorized use of the key (copy) by the client's personnel increases.
Responsibility for the use of keys, including unauthorized use, lies entirely with the client.
Preparation of documents:
Print documents:
The act of acceptance and transfer of software with the Appendix, 2 copies
Act of readiness for operation, 2 copies
Values of hash functions of files (hash.res), 2 copies
Printed documents (see paragraphs 22.3, 23) must be fill out and transfer to the branch of Sberbank(operator). After receiving all the documents in the bank, your signature certificate is made working. Only after that your payment documents will be accepted by the bank.
Save the configuration in case of reinstallation. Enter the "Workplace" CFT - Bank Client ". Select the "Management\Export" menu item, in the "Export configuration settings" window open the SBERBANK\SpedDis\ directory, specify the file name - nnnn-K-xxxx, where nnnn-K-xxxx is the number assigned to your organization, click the "Export ".
