Session 3 CBS
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Transcript of Session 3 CBS
CBS OverviewCBS Overview
04/08/23 CBS Overview 2
CBS
Migration process
SWITCHSWITCH
ROUTER ROUTER
LET US TAKECLOSURE
LOOK
04/08/23 CBS Overview 3
BRANCH
ZNC
NC
SWITCH
ROUTER
04/08/23 CBS Overview 4
SWITCH
ROUTERLAN
ZNCn
NC1 NC2NCn
ZNC: Zonal Network Centre NC : Network CentreBr : Branch
___ 2 Mbps Leased Line___ 64 Kbps Leased Line---- ISDN PRI link---- ISDN BRI link
Br11 Br1n Br21 Br2n Brn1 Brnn
ZNC1ZNC2
Data Centre
Network DesignNetwork Design
04/08/23 CBS Overview 6
Features of CBS
04/08/23 CBS Overview 7
• 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
Features of CBSFeatures of CBS
04/08/23 CBS Overview 8
• 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.
Features of CBS …….contd.Features of CBS …….contd.
04/08/23 CBS Overview 9
CBS ArchitectureCBS Architecture
04/08/23 CBS Overview 10Server management console User Interface
Database ServerDatabase ServerApplication Server
Switch
web Server
Storage
Finacle Structure - BASICSFinacle Structure - BASICSFinacle Structure - BASICSFinacle Structure - BASICS
04/08/23 CBS Overview 11
2 WEB SERVERS
-USERS GET THEIR FIRST PAGE
4 APPLICATION SERVERS
-USERS GET THEIR COMMANDS EXECUTED
STORAGEDATABASE SERVER-USERS GET THEIR DATA PROCESSED
04/08/23 CBS Overview 12
Application Server
Storage
Database Server
Application Server
Storage
Database Server
WEB SERVER
Surround ApplicationsSurround Applications
ATM
IBS
04/08/23 CBS Overview 13
• 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)
How does Surround Application Works?How does Surround Application Works?
04/08/23 CBS Overview 14
• 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
How to provide the Services?How to provide the Services?
04/08/23 CBS Overview 15
• 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
04/08/23 CBS Overview 16
web Server
Bancs Connect
Branch Banking
Anytime Anywhere Banking
Application Server
Storage
Database Server
Stand-in Server
Anytime, Anywhere BankingAnytime, Anywhere Banking
04/08/23 CBS Overview 17
Redundancy and Fall backRedundancy and Fall back
&&
Disaster SetupDisaster Setup
04/08/23 CBS Overview 18
• 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.
04/08/23 CBS Overview 19
• 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.
04/08/23 CBS Overview 20
• 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
04/08/23 CBS Overview 21
• 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.
04/08/23 CBS Overview 22
CBS – Flow of CBS – Flow of TransactionsTransactions
04/08/23 CBS Overview 23
• 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
04/08/23 CBS Overview 24
router
DB SERVER
APP SERVER
WEB SERVER
NC
ZNC
04/08/23 CBS Overview 25
CBS – Finacle CBS – Finacle ArchitectureArchitecture
04/08/23 CBS Overview 26
Finacle Technology PlatformFinacle Technology Platform
• Unix– different flavors of Unix
• RDBMS– Oracle
• Browser – universal client
04/08/23 CBS Overview 27
Other applicationsconnected on-line
Browser based Teller
ATM/POS
Phonebanking BankAway
Application and User level Security
Oracle & Unix variants
Database & OS Security
General Ledger | Transaction Manger | Multi-currency
External Interfaces
Multilingual | Workflow | Report Writer | Signature Display | Interest
C U S T O M E RB A N K
Trade Finance Retail & Corporate
De
po
sits
Lo
an
s
Sa
vin
gs/
Ch
eck
ing
Cu
rre
nt
Acc
ou
nt
/ O
verd
raft
s
Re
mitt
an
ces
| Help | Inventory | Memo Pad | Letter Generator | Audit Trail | ChargesMenu | Upload | Security Register | SWIFT | Purge | Clearing
Pa
ram
ete
rise
d
Tools and Utilities
Accounting Backbone
BusinessRules
Services
OS & RDBMS
Customerinformation
Bancs@Web BancsConnect
Gua
rant
ees
Pres
hipm
ent
Cred
it
Docu
men
tary
Cred
it
Expo
rt Bi
lls
Impo
rt Bi
lls
Finacle Functional ArchitectureFinacle Functional Architecture
04/08/23 CBS Overview 28
Finacle Retail & CorporateFinacle Retail & Corporate
Retail &
Corporate
Products
Term
Deposits
Term Loans
Demand
LoansOverdraft
Current
Accounts
Savings/
Checking
Recurring
Deposits
Reinvestment
Deposits
Flexi Fixed
DepositsUser
definable
products
Fixed rates
DepositsUser
definable
products
User
definable
products
Floating Rate
Loans
Equated
Installment
Loans
Flexible
Repayment
Schedule
Current
Accout with
Overdraft
Sweeps &
Reverse
Sweeps
04/08/23 CBS Overview 29
Finacle - Trade FinanceFinacle - Trade Finance
Trade Finance
DocumentaryCredits
Bills
BankGuarantees
Remittances
Pre-shipmentCredits
ForwardContracts
InwardInland/Foreign
OutwardInland/Foreign
InwardInland/Foreign
OutwardInland/Foreign
Inward
Outward
04/08/23 CBS Overview 30
USER GROUPSUSER GROUPS
IN CBSIN CBS
04/08/23 CBS Overview 31
• 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.
04/08/23 CBS Overview 32
Work ClassWork Class
010 CLERK015 CTO Category A020 CTO Category B030 SPECIAL ASSISTANT040 OFFICER050 ASSISTANT MANAGER 055 DEPUTY MANAGER060 MANAGER070 SENIOR MANAGER080 CHIEF MANAGER090 ASSISTANT GENERAL
MANAGER 095 DEPUTY GENERAL MANAGER 099 GENERAL MANAGER100 INCUMBENT IN-
CHARGE200 AUDITOR300 DBA
04/08/23 CBS Overview 33
Type of Users in CBSType of Users in CBS
• AD ADMINISTRATIVE OFFICE• BO BACK OFFICE USERS• DB SYSTEM INCHARGE – • DC DBA - DATA CENTER• DQ DATA CENTRE-INQUIRY • GU GENERAL USER • HO HO DIVISIONS USERS• IN INSPECTORS
04/08/23 CBS Overview 34
Captive / Free usersCaptive / 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.
04/08/23 CBS Overview 35
CBS Case : Setup at CBS Case : Setup at PNBPNB
04/08/23 CBS Overview 36
• 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
04/08/23 CBS Overview 37
• Proposed IT Infrastructure to meet the total business needs
CBS Transaction Processing system
EDW MIS and Data Mining system
CMS
ATM Switch
IBS
RegulatoryCompliance
User will interact with
CBS and EDW only
The surround application will be managed by
focused teams
New Business requirements
can be met with either a
new application or customisation
of CBS
Central data repository-improve quality
-removes in consistency-avoids duplicity.
04/08/23 CBS Overview 38
YOUR QUERIES ?YOUR QUERIES ?