国外银行系统软件介绍

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ABIS Systems Limited 产品功能架构

Design philosophy Created through the close cooperation of leading international banks, ABIS was designed with two goals in mind. The first was to streamline and integrate the diverse operations of financial institutions, and the second was to protect existing technology and best practice investments and provide for migration as operations develop and change. This resulted in the modular design of ABIS enabling financial institutions to use only the components that are relative to their business. ABIS modules seamlessly integrate to allow users to share data throughout entire operations. Each module is structured to mimic existing work practices so users do not have to learn unnecessary processes. Real time updating from each of these individual modules allows banks to manage risks and set appropriate limits. And multi-level security and data checking protects today's most valuable investment - Information. As it is modular in scope, ABIS allows institutions to define their business and product processes. Centrally revolving around a core set of information, ABIS modules and the financial products supported within those modules allow financial institutions to tailor applications to their needs. This assists in streamlining the process by which information is created, captured and used. In addition, ABIS is platform and database independent, allowing institutions with existing hardware or software to easily use what is appropriate. Adherence to open architecture standards further protects technology investments, as does the use of standard communication protocols in order to transfer information within, into and from ABIS. Because ABIS is both modular and scalable, it allows institutions to grow their information technology solutions as their business mix changes, whether it is a solitary Trade Finance operation or a regional Treasury operation. ABIS maximizes technology infrastructure so that financial institutions can concentrate on their core businesses. ABIS Core elements To facilitate the exchange of information among components selected by the banks, ABIS is designed around a central information store. This information store is responsible for the creation and retention of information commonly used throughout the entire program. Core information is broken down into two areas. The first is user-defined items that are used in the processing of transactions or the identification of information. This includes Bank and Customer Information, Exchange Rates, Fees, Transaction Types, Ledger Account codes and Depo Bank codes. The second set of information is program-specific items,which are also user defined. These include calculation methods for currency conversions, translation files for head office accounts, and computer security files. The purpose for placing these within a common store of information is to provide a single point of creation for items that are used throughout the program and to provide users with the greatest degree of flexibility in easily tailoring their program. By providing users with an ability to easily create transaction types, information can be sorted and accessed with greater speed and flexibility. In addition, a central information store reduces the potential for information to be duplicated. Clients are entered in one place, bypassing the creation of duplicate accounts that make obtaining a view of your relationships impossible. ABIS's bank and customer information elements allow financial institutions to define their relationships with counterparties and clients. Besides standard information relating to name, address and contact information, ABIS also captures group and risk identifiers within this file. Customer or Bank groups can be created so that an institution's relationship can be determined at various levels. In addition, institutions establish ultimate and current locations for the client, as well as industry categories, in order to be able to segment clients and more easily determine risk. As such, information can be produced on clients within a certain geographical region in a certain industry category in order to respond quickly to changing risk environments. All information is eventually tracked to a series of ledger accounts, whether within ABIS or as part of an external ledger system. ABIS allows financial institutions to establish their own Chart of Accounts in order to provide continuity between old and new applications. Because information is constantly changing, ABIS can be linked to various information providers to provide updated content. Interest and currency rates can be captured periodically and use to keep transactions valued correctly. To profitably manage a financial institution, data cross sections must be available so that analysis can be performed both bank-wide and down to the individual product level. ABIS enables financial institutions to define the types of transactions that they are performing, as opposed to lumping everything into a general category. This enables an institution to retrieve information on transactions with a certain purpose such as project financing or working capital, increasing the control an institution has on its business. ABIS's limit management program enables the bank to establish limits for nations, counterparties and transactions. Tied to standard rating agency information, users establish a model that is linked both to the Customer information file to determine country limits for clients as well as purpose limits for user defined purposes. ABIS also establishes foreign exchange trading limits for use by dealers. The transaction modules access these limits in order to determine if the transaction falls within the bank's accepted risk profile. Appropriate authorization can override this function.

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Actis BSP 产品功能结构

Products Networking ACTIS/BSP Summary The products networking ACTIS/BSP offers an homogeneous and flexible solution that enables the bank to consistently monitor all business transactions in a unique manner. It combines ACTIS PABA/Q the fully integrated banking system supporting core functions such as accounts and cash management, Payments, limit supervision and statutory reporting. with BSP TRADE the proven and exhaustive solution for securities dealing and settlement that not only caters for the complete palette of securities but also derivative instruments such as exchange-traded Futures & Options and OTC´s. and BSP INNOVA the powerful treasury system for money market, foreign exchange and interest rates derivatives such as swaps, FRAs, caps, floors, collars. Product Key Features The Products networking ACTIS/BSP offers a unique combination of the highest automation level (STP) with the largest functional coverage. Data entry is performed only once without any redundancy and unnecessary manual effort. Consolidated positions and exposures across the whole bank such as revaluation, limits, cash-flow can be viewed centrally and consistently. Business Benefits A truly and seamlessly integrated solution enables a reduction of manual efforts and provides the user with the best of services: Non redundant data input Consolidated overview of customer and bank positions including all accounts Full data transparency Global cash management and revaluation functionality Comprehensive limits supervision Extensive support of all legal statutory requirements (i.e. Tax, central bank reporting, German §9...) Uniform system handling Homogeneous system architecture Straight forward and secure interfacing User-friendly navigation Networked Areas The networking between the ACTIS/BSP products includes following interfaces: Customer static data Interest income tax: static and calculation data Accounting and general ledger entries Accounts financial status and cash-flow information Limits management Customer consolidated positions Portfolio statement Yearly tax statement Payments

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AFA Systems plc 产品架构

Musketeer Object-oriented, Modular System Musketeer is object-oriented in design and embodies the latest state-of-the-art tools and concepts in its development. In its current form, Musketeer is a native Microsoft Windows NT / Windows 2000 application but is designed to be portable across operating systems. Musketeer supports RDBMS products from Oracle, Sybase and Microsoft and can be run on any Intel supporting hardware platform. Musketeer Based on Proven Technologies Both technically and functionally, Musketeer provides a platform for growth utilising modern, proven technologies. The technologies used in Musketeer include object-oriented Visual C++ and Java. Musketeer and AFA Gateway Server also employ Java Swing GUI, Java Scripting, XML, message queuing drivers, CORBA and COM compliance. DART + Suite Technical Specifications Developed using Delphi and C++, the DART product suite draws on the latest 32-bit oriented client/server technology, running on industry standard Windows operating systems. Product components are re-useable, and services provided are accessible through APIs, DDE connection, and XML or .NET interoperability. DART supports access to all structured market data feeds provided via APIs or DDE. Market Data Providers Reuters (DDE, PDD Kobra) Moneyline (Bridge) Bloomberg OTS Others accessed via MS Excel Workstation Requirements MS Windows NT 4.0 Service Pack 6.0a/MS Windows 2000 Service Pack 2+ Intel Pentium 2/AMD Athlon 400 MHz or higher 256 Mb RAM Networked to DART Servers Server Requirements MS Windows NT 4.0 Service Pack 6.0a/MS Windows 2000 Service Pack 2+ Intel Pentium 3/AMD Athlon 400 MHz or higher 256 Mb RAM Microsoft Excel ’97 or higher Market Data Platform for real-time feeds Local Admin Rights ‘DART’s flexibility totally

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CBS – a ‘Customer-centric’ information system CBS is a “customer-centric” retail banking system. This means that it has been designed to meet the demands of customers for financial products. Research has shown that customers seek the following when selecting a financial enterprise: A single relationship with the enterprise Convenient access to any delivery channel of their choice (anywhere, anytime, anyhow) Ease of purchase and convenience in accessing accounts Ready access to convenient outlets and to the payments system The flexibility to change product features according to personal circumstances Value and quality at the lowest possible cost Older systems that are not customer-centric tend to address a limited selection of the financial product range (for example, a loans system, a deposit system, a credit card system). Enterprises with these systems often find themselves managing each banking product group with separate, inconsistent and poorly integrated packages. This tends to lead to a duplication of data (and poor data quality), an incomplete total customer picture and a banking product-set that is limited by long development lead time and high maintenance costs. Another feature of CBS allows several customer records to be grouped for better relationship management of corporate and business customers, monitoring of group exposure and review of accounts on a group basis. Before a new customer record can be created, a search is performed to ascertain if the customer already exists within the system. This minimises the opportunity of creating duplicate customer records. If a new customer record must be created, CBS ensures that all mandatory data is recorded. A new account cannot be created unless it is linked to an existing (or new) customer record. The following illustrates the relationship between the major components of CBS.

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CBS Componets

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CBS Intergation Solutions Technology Architecture - Three Tier

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Fiserv Core Banking System Architecture

The Fiserv CBS Enterprise Banking Solution is a core banking system for all types of financial institutions. In addition to powerful core processing, it delivers an integrated suite of products, including retail and commercial e-banking, image technology, document generation, marketing applications, and knowledge-management applications. The acronym "CBS" stands for Comprehensive Banking System, and Fiserv CBS fully lives up to its name.

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-flex solutions, a provider of information technology solutions to the financial services industry worldwide offers a comprehensive range of products and customized service offerings.
i-flex provides pre-packaged products, custom solutions, consulting services, and offshore development facilities.
i-flex also offers financial institutions customized solutions through its domain and technology Centers of Excellence, which encompass areas such as Business Intelligence, CRM, Development & Integration Services, e-services, Insurance and Payment Systems. Supported by a mature, quality led process assessed at SEI CMM® Level 5, i-flex draws on its rich functional and technology expertise to offer customers in the financial services world. i-flex Consulting, the consulting arm offers Strategic and Business consulting to customers in the financial services industry.
i-flex has provided IT solutions and services to more than 330 financial institutions in over 80 countries.
Its flagship product, FLEXCUBE is the choice of more than 100 financial institutions worldwide - a feat that has been achieved within just four years of its launch. i-flex's flagship product, FLEXCUBE is the choice of more than 100 customers worldwide (as on December 31, 2001 ), within just four years of its launch. FLEXCUBE has been ranked among the world's top two largest selling wholesale back-office banking systems in International Banking Systems (IBS) UK Sales League Tables for 1999, 2000 and 2001. FLEXCUBE has also been ranked among the top two retail back office banking systems by the London based Retail Banking Systems (RBS) for the year 2001.
i-flex has over 30 corporate business partners covering 50 countries. It has alliance partnerships with leading hardware and software vendors including Compaq, HP, IBM, Intel, Microsoft and Oracle; as well as implementation partnerships with leading consulting and systems integration firms including Accenture and IBM Global Services.

i-flex has entered into alliances with industry leaders while establishing 12 global support centers and 33 business partners across the world.