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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 itsflexibility, scalability and modularity, the system can be used by banks of varioustypes and by payment providers.

The extent to which banks use the ARBES OBS system ranges from completecoverage 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 completefunctionality for all communication channels such as the Internet, GSM, e-mail, etc.,

to the use of separate ARBES OBS modules in cooperation with the banks legacysolution.

Payment providers use ARBES OBS to administer client accounts, tocommunicate with banks maintaining NOSTRO (Jumbo) accounts, to automatethe processing of incoming transactions and matching them to client accounts,and to expose the rich and secure payment functionality over the Internet toclients as well as to merchants, eShops and business partners. The ARBES OBSsystem includes modules allowing secure Internet payments, ePayments foreGoods and efficient microPayments.

ARBES OBS supports both the centralized and branched topology of the bankor payment provider. Remote access is supported by the ARBES OBSWebOfficemodule, a thin client intranet application running in a standard browser over anysecured intra/internet connection. ARBES OBSWebOffice can also be usedfor any third-party outsourcing organization such as call center providers, agentnetworks, business partners, etc.

TheARBES OBS modules for Internet and Mobile Banking can run either withthe core of the ARBES OBS solution or separately with any legacy bankingsystem. They provide a flexible secure modular and modern interface to allbanking products and services over the Internet and GSM. Due to the complete

separation of the business logic and presentation layout, the solution can betailored to a specific company graphic layout while maintaining the standardfunctionality. Mobile banking goes well beyond mere SMS banking as it coversSIM 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 CRMsystem. The full combination of these systems renders a complete platformfor 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 identificationand 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 serverto a complex multi-server fail-over environment

Proven rapid implementation

Comprehensive training program

On-site and remote post-implementation support


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ARBESOBS

ARBES OBSSystem description

ARBES OBS is a modular system. Individual modulescan be freely combined according to the specific needsof the bank or payment provider. Additional modules

can be added gradually as needed by the OBS clientor when the client becomes ready for implementation.This flexibility makes it possible to start with a set ofkey modules and to continue step-by-step up to thecomplete coverage of company processes.

All modules share a common central database.All data is kept in the database in singular form withno duplication or replication necessary. This ensuresdata consistency and efficiency.

CORE

The core module is the main building block providingthe functionality for accounts, transactions and theaudit trail. The module defines the core data structuresused by all other modules. The core module is requiredin all implementation scenarios except when a bankwants to use its own legacy system and use just theARBES OBS Internet and Mobile Banking modules.

Accounts

ARBES OBS administers all types of accounts (current,deposit, loan, escrow, fiduciary, internal, G/L andothers), all with multi-currency behavior. The systemmakes it possible to:

Set the highly flexible and configurable type andbehavior of an account

Attach an account to a preconfigured fee andinterest structure, either by type or individually;

the accounts can be grouped to optimize the feeand interest strategy

List the allowed contra-accounts that can becredited from an account

Specify a limit for 4-eye confirmation; anytransaction debiting an account more than thespecified limit will automatically require theapproval of an appointed bank BO official

Specify account overdraft limits

Specify the period for account statementgeneration and distribution

Administer payment cards issued for an account

Specify the individuals that are to have accessto an account and define complex rules foraccount manipulation (entering transactions,

depositing or withdrawing cash, obtainingaccount information such as transaction historyor a current balance) over any supportedcommunication channel for an unlimited numberof persons

The standard account properties can be extended bycustom tailored bank-specific attributes that can laterbe used to automate such specific tasks as due diligenceverification, account opening workflow processes, etc.

All changes of the account parameters are automaticallyverified and tracked into the system audit log.

Transactions

ARBES OBS automatically processes transactionsoriginated by the bank staff, clients over the directcommunication channels and by the system itself(fees, interests, deposits, loan maturity, etc.). Processingis launched periodically in configurable intervals.

Transaction processing works in several steps:

Complex validation of manipulation rules, limits,overdrafts and statuses of all accounts usedin a transaction. ARBES OBS supports 4-eyeconfirmation a transaction exceeding the 4-eyelimit set on a debited account will generate a requestfor approval by an appointed BO official.

Creation of transaction log records affectingcredit and debit account balances. Currency

conversion is processed automatically if required.Currency rates are taken from current bankcurrency rates or they can be specified for anindividual transaction.

Calculation and processing of transaction feesdepending on the transaction type, currency,account type, communication channel andconversion.

Generation of notification messages. Messagescan be generated when a transaction isprocessed or failed to be processed and can besent over any supported communication channel(e-mail, fax, GSM-SMS, call center, etc.).


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Records in the trail can be periodically andautomatically scanned for system inefficiencies,errors in processing or for suspicious staff

or client activities. Reports of such findingsare then automatically sent to the systemadministrators, security specialists, etc.

System administration

ARBES OBS is a parameter-driven system.The products and their behavior are not hardcoded but rather driven by parameters. Thesystem administration allows for the definition

of all parameters and the introduction of newproducts and services, new fee and intereststructures, new languages, currencies, etc.,all in a secure and user-friendly environment.

System administration also allows foruser management. Users can be assignedto roles; access rights for more than100 system-provided operations can bederived from the roles or assigned on anindividual basis.

ARBES OBS offers wide-ranging support for standingorders, wire transfers, direct debits, collections,cash operations, currency conversions, internal G/L

transactions and other types of transactions.

ARBES OBS also processes holds transactionsdecreasing the available account balance but leavingthe current balance intact. Holds are used internally,for example, to keep track of preauthorized amountsstemming from payment card authorizations.

Transaction processing automatically detects andexecutes EOD, EOW, EOM and EOY operations.

All operations with transactions, both human and

system initiated, are automatically recorded into thesystem audit trail log.

Audit trail

The audit trail automatically keeps track of alloperations and changes made by bank staff, clients andbatch processes over any communication channel. Theaudit trail makes it possible to recreate any historicalinformation as it was at any specified time in the past.

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ARBESOBS

ARBES OBS WebOffice

ARBES OBS allows remote mode of work using the

light-weight intra/internet application.

ARBES OBS WebOffice implements all functionalitynecessary for BO and FO operators in theenvironment of a standard internet browser. Theapplication is optimized for high performance evenon slower connection lines which makes it ideal forexternal users like third-party outsourcing partners(call centers, bank agent networks), eShop managersor other business partners. As security is a bigconcern, the authentication of users adheres to the

highest security requirements and all communicationis encrypted.

MODULE FOR TERM DEPOSITS AND LOANS

The module administering term deposits and

loans automates the lifecycle of various types ofterm deposits and loans and projects the financialaspects of term deposits and loans into the G/L.

Term deposits

ARBES OBS supports term deposits of many varioustypes plain term deposit maturing on date or oncall, revolving term deposits, saving term depositsand others. All operations with term deposits areautomated. ARBES OBS also supports non-standardoperations such as premature termination or partialwithdrawal. Term deposit details and history areintegral parts of the consolidated account statements.

LoansARBES OBS administers flexible customizable typesof loans. The specific loans and combinations of loanand term deposit products can be supported. Alloperations are automated and projected into the G/L.

Optional ARBES OBS Modules


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MODULE FOR PAYMENT CARD ADMINISTRATION

The payment card administration module administers

communication with payment card production and theprocessing company. The card branches and the typesof the payment cards are fully customizable.

The module exports in batches all requests for newplastic cards and provides support for the exportof payment card balances and limits and the importof card authorizations and settled transactions. Allinformation concerning card authorizations andtransactions becomes an integral part of the coretransactions, which enables the incorporation ofit into the consolidated account statements anda detailed overview of payment card history.

STATEMENTS AND REPORTS MODULE

The reporting module allows for the defining of complexconsolidated account statements and virtually anyreports from the data kept in the central database:

Management reports (trends, efficiency ofbranches, departments and individual staffmembers)

Regulatory reports

Marketing reports (efficiency of marketingcampaigns, verification of the marketinghypothesis, 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 regularlyin predefined periods and they can be subsequentlydistributed via e-mail or published on the intra/internet.

The reports take the form of Excel, Word, HTML,plain text and XML documents.

e COMMERCE MODULE

The ARBES OBS eCommerce module provides

B2C and B2B functionality. The module exposesautomated secured Internet XML interfaces allowingeShops to automate ePayments for their tangible andnon-tangible goods and services. The interface allowsboth single individual payments and combined paymentsstemming from microPayments. The financial flowbetween the bank (payment provider) and the eShop isoptimized to keep external bank charges to a minimum.

The communication between eShops and the ARBES OBSsystems is fully automated, XML-based and digitally signed.

COMMUNICATION MODULES

ARBES OBS provides a versatile communication moduleallowing the definition of formats and contents for theimport and export of any data from the central database.Once configured, the communication via batch data filescan be fully automated or manually controlled. The richoperation reports allow the monitoring of the smooth

processing and provide prompt notification of potentialproblems.

The standard preconfigured communication includes:

Processing of outgoing transfer instructionsfor 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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ARBESOBS

INTERNET BANKING MODULE

ARBES OBS Internet Bankingprovides bank clients with a secure, efficient,fl

exible and fully confi

gurable interface to all banking products and services.The graphic design, menu structure, supported languages and integrationwith the core banking system is fully customizable. The products and servicesexposed by the Internet Banking module range from a standard bankingportfolio to state-of-the-art electronic payment or microPayment tools.

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

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

Client identification and authentication any combinationof 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 randomlygenerated digitally signed password (PKI).

All communication is encrypted with HTTPS SSL 128-bit or higher.

All client requests and actions are automatically recorded into thesystem audit trail.

The ARBES OBS implementation team provides guidelines for a secure

system environment fail-over system topology and architecture, backupstrategy, tools and procedures for system monitoring and maintenance, etc.

The Internet Banking module works with both the ARBES OBS Core moduleand any other banking system through a well-designed communicationinterface.

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 withthe bank anytime from anywhere in their preferred manner. All informationexposed via ARBES OBS Mobile Banking comes directly from the coredatabase; the active operations are sent directly to the core banking systemfor immediate processing.

Optional ARBES OBS Modules


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ARBES OBS Mobile Bankingimplements the functionality in technologies brought about byseveral 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 alsoallow active operations. All methods of mobile banking (except for plain SMS) communicate inan encrypted manner.

SYSTEM MONITORING MODULES

The ARBES OBS scalability and flexibility makes it possible to run the system on a singleserver as well as on server farms installed in a complex global topology with automatedload-balancing and fail-over features. The monitoring modules continuously check all serversand services, notify the appropriate administrators about system problems or misbehaviorand execute fail-over procedures in the case of disaster. The monitoring modules can also beplugged 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) inmind. The functionality of all modules is securely exposed to third-party software.

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ARBESOBS

SECURITYis always the number one priority at ARBES

QUALITY OF DATA SECURITY

The architecture of the ARBES information systems and the expertise in the creationof 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 databaseproducts 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 informationsystem administrator to assign user access rights depending on the

type of user.It is possible to activate the 4-eyes principle for processes and recordsto be approved by multiple users in selected, operationally strategicARBES applications.

Disaster recovery ARBES offers consultation and methodology design fordisaster 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 subsequentservice support and the maintenance of installations are all managed inaccordance with methodology that fully complies with ISO 9001:2000standards.

A part of the preparation of a new ARBES solution is always a pre-implementationanalysis of the processes and business activities of the user organization,carried out as an implementation study. This analysis essentially eliminatespotential project defects and specifies the key details required by the clientorganization 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 ARBESs ownspecially-designed training facility.


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ARBES SOFTWARE SYSTEMS

ARBES OBS

Online Banking System.A banking solution

for retail and private bankingproviding professionally securedInternet & GSM Banking functionality.

ARBES TOPAS

TOP Portfolio Management,Accounting & Trading softwaresolution. A large modular systembeing used by investment companies,investment funds, pension fundsand brokerage houses.

ARBES TATransfer Agency and CollectiveInvestment Management system.

ARBES NEMO

a solution for real estate investmentfund management.

ARBES FACTORING

a sophisticated solution designedfor companies providing Financial

Factoring services.ARBES LEASING

a modular system used by leasingcompanies.

ARBES FEIS

a large modular ERP package witha domain in Accounting.

ARBES CRM

a universal Client Relationship

Management system.

ARBES TENDER

a comprehensive software solutionfor the managementof tender processes.

ARBESAccomplished Solutions

COMPANY PROFILE

ARBES Group, established in 1991, is a European SoftwareProvider which has developed a wide range of highly-scalableand flexible software solutions for Banking & Finance andAccounting & Financial Control. As a result, ARBES has extensiveexperience in software solution design, development, supportand maintenance.

The family of ARBES information systems includes a wide range ofsolutions for Retail and Private Banking, Portfolio Management,Brokerage, Collective Investment Management Transfer Agency,Financial Leasing and Factoring, Client Relationship Managementand Enterprise Resource Planning with strong domain expertisein Accounting.

Operating from London and Prague, the latter being the siteof its main development base, ARBES offers the advantage ofbeing easily accessible to international clients, providing highlyprofessional cost-effective software development as well asIT consulting services.

QUALITY STANDARDS

All ARBES implementations and services are delivered by usingproject mechanisms in full adherence to ISO 9000 standards. TheISO 9001:2000 certificate was approved by DNV for Providingof software development and sales including all related servicesas well as for Providing of IT professionals according to customerdemands needed for development, implementation and projectmanagement in the field of information systems.

SERVICES AND PRODUCTS

SOFTWARE DEVELOPMENT AND IT CONSULTANCY

Throughout the companys existence, ARBES has carried outnumerous custom development projects for its clients includingcomplex e-banking retail system development, portfolio and assetmanagement as well as for other demanding business activities.

ARBESs solid technological and project expertise along with itsdrive for thorough understanding of customer requirements gua-rantees our clients modern, professional and intelligent solutions.


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ARBES TECHNOLOGIES, S.R.O.

TEFNIKOVA 32

150 00 PRAGUE 5

CZECH REPUBLIC

TEL: + 420 241 010 111

FAX: + 420 241 010 165

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

ARBES, S.R.O.

BAJKALSK 5

831 04 BRATISLAVA

SLOVAK REPUBLIC

TEL: + 421 244 632 618

FAX: + 421 244 460 237

ARBES LIMITED

60 CANNON STREET

LONDON EC4N 6NP

UNITED KINGDOM

TEL: +44 (0)20 7002 1023

FAX: +44 (0)20 7002 1106

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.

Documents

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