Case study of Host to Host Complete NACH solution using Flux PayDirect from Evolvus

1. www.evolvussolutions.com

2. www.evolvussolutions.com
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Evolvus Solutions. Proprietary and Confidential, do not copy, duplicate or distribute

3. www.evolvussolutions.com
Offering & Expertise
Risk Management, Payment and
Business Process Automation
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COMBAT: Risk management
framework for Fraud
Detection, AML and KYC
Screening, Payment Filtering,
IP Scanning, Case
Management and Regulatory
Reporting.
Flux: Image and Non-Image
based Payment hub
compatible to SWIFT, RTGS,
ACH systems, SEPA, Liquidity
Management.
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Mantle: Core Banking frontend suite
The Right Partner
 Solutions company focused
on Risk, Payments and
Process automation in
Banking.
 Healthy financials and
profitable since inception.
 Focus in Africa, Asia Pacific,
Middle East & Europe
 World HQ in Bangalore,
India
 75+ banking technology
professionals
Solutions: Data Migration
and transformation, Testing,
Verification & Validation,
Consulting
Evolvus Solutions. Proprietary and Confidential, do not copy, duplicate or distribute.
Key Customers

4. www.evolvussolutions.com
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Migration to new Technology Platform, Message
format
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Mantle Direct Debit
Implemented 2009 with Mandate management,
for National Electronic clearing system
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Financial Inclusion Platform
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Combat Risk Management Platform
EmiratesNBD and AL MASRAF benefit from
Evolvus, Combat Risk Management Platform
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Flux PayDirect for UAE Direct Debits
Implemented 2012, for UAEDDS – UAE Direct
Debit
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Flux PayDirect for India NACH
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Legacy Core Banking Migration
Migration from EQ3 / FNS to Finacle 10.x- ENBD
UAE, IndusInd Bank
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Hong Kong RTGS Migration (HKICL)
Mantle ASBA
IPO processing platform interfaced with stock
exchanges in India, Implemented 9+ banks
NFC based payment processing platform with
RFID smart cards & integrated biometric
authentication system
Implemented 2013, for India ACH
Evolvus Solutions. Proprietary and Confidential, do not copy, duplicate or distribute

5. Platform Overview
www.evolvussolutions.com
Flux PayDirect
Enterprise platform for Integrated payment processing

6. www.evolvussolutions.com
Single platform enterprise to process Non Image / Image based payments.
Future Ready , support ISO20022 as native format
Multiple Gateway Enablement through plug in adapters RTGS, NEFT, ACH, IMPS , SEPA, SWIFT
Multiple Banking System interface CBS, Trade Finance, Treasury, Channels
Elastic scalability, SOA architecture and Straight Through Processing
Liquidity/Cash flow Monitoring / tracking real time
Cross channel view , ability to track messages status in real time
Automated exception handling / repair, Real time routing of exceptions.
Channel agnostic , centralization of payment processing on reusable workflow
Multiplatform compatible – Reduce TCO
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Evolvus Solutions. Proprietary and Confidential, do not copy, duplicate or distribute

7. www.evolvussolutions.com
ACH
ISO20022
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Evolvus Solutions. Proprietary and Confidential, do not copy, duplicate or distribute

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Web Service
RPG Program
Direct API calls
MQ
Socket based
File based
ISO /swift message based
 Finacle 10x – IndusInd bank,
ENBD
 Flex Cube – Syndicate Bank,
Karur vysya
 Mysis EQ3 – Indusind Bank,
ENBD UAE
 Infrasoft – Nutan Nagarik
sahakari bank, TJSB
 Legacy systems – BOA
 ISO8583 based – AMCO bank
 T24 – MQ based, NBF UAE
Evolvus Solutions. Proprietary and Confidential, do not copy, duplicate or distribute

9. Offline ACH
H2H – Real time
 Manual Processes for:
- Downloading & uploading of NPCI files
- External tool to encrypt /Decrypt files
 Automated STP process between NPCI and Bank
 Multiple machines & machine specific encryption tooling
 Automatic encryption / decryption of files
 People dependent process , security risk
 File will be validated and directly posted to core
banking system
 Work with single Class II certificate
 Requires Class II certificates per user
 High risk of downloading same file by multiple user at
multiple time.
 Continuous checking /monitoring required for incoming
files on website.
 Automatic management of return / confirmation
process & related cutoff times.
 High level of visibility of end to end file exchange
process through Evolvus application.
 High operational efficiency , security & greater control.
 Manual management of mandate at Bank’s side
 Ops has to manually ensure that response is provided to
NPCI within predefined cutoff
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10. CBS – Finacle10
Application/WebServer
NACH Offline
web Terminal
NPCINET
DB Servers
Zafin
Centralized Charging
system
Iworks /DMS
Mandate Capturing
stations across the
branches
Digital Signature Exchange
server
system
SMSC

11. Flux PayDirect
www.evolvussolutions.com
India NACH Requirement & Processing

12.  Originator master data with
Utility code
 Originator account details
 Originator specific Charges
 Originator processing end to
end
 Originator specific Reporting
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 Outward Mandate capturing &
processing
 Inward mandate verification
& processing
 Mandate image management
 Support NPCI Mandate form
capturing (.jpg/.tiff)
 Support ISO20022 messages
for mandate processing
 Outward payment file
processing
 Inward payment file
processing
 Outward/ Inward Return
processing
 Support NPCI file formats for
NACH DR/CR, ABPS, EBT

13. Flux PayDirect
www.evolvussolutions.com
Mandate Management

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2
3
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Existing CTS can be used for mandate scanning
Flux PayDirect will be integrated with the existing signature system of
the bank for mandate processing
Existing mandates from CBS can be migrated to the Flux mandate
management and the vice versa is as well doable

15. STP
Host to Host
2
1
5
Uploads Mandate
- Creation,
Update,
Cancellation File
iWorks
4
3
STP- H2H
Mandate
Acceptance Reports
7
Sponsor Bank
Originator
informed about
the mandate
creation by his
customer
Branches Walkin –
Mandate initiation
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Originator
8
Acknowledgm
ent of
mandate sent
back to
Sponsor Bank
Flux PayDirect Mandate
Management
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Validation &
Generation of UMRN

16. 2
Uploads Mandate Creation, Update,
Cancellation File
3
4
Sponsor Bank
Bulk
Mandate
initiation
STP
Host to Host
5
Mandate status report sent
back to the originator
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1
9
6
STP- H2H
Mandate Acceptance
Reports
Provides the
bulk mandates
to his bank
Originator
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Flux PayDirect Mandate Management
Response from NACH
sent back to Sponsor
Bank
Validation & Generation
of UMRN

17. 1
Customer signups for the mandate registration with his service provider
Service provider informs customer on the status of mandate registration
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Customer
5
Customer
confirms
the
mandate
Service Provider
Bank validates the customer
name and account numbers
and informs the customer
about the mandate creation
6
4
Payee Bank
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NPCI validates & Generates
UMRN. Send the UMRN to the
Payee Bank along with the
mandate
Bank acknowledges the
mandate and responds back
to NPCI
7
3
Service Provider
sends all the
mandates to his
Bank for
processing
Bank sends process and
validates all the mandates
and sends them to NPCI
NPCI sends the UMRN and the
payee bank acknowledgement
to the sponsor bank
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Sponsor
Bank
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Bank sends
mandate status
report back to the
service provider

18. Flux PayDirect
www.evolvussolutions.com
Product Features

19. • Web based
• Multi Device browsing
• Multi browser support
• Future Ready
• PACS / PAIN series for
payment & mandates
• NACH / NGRTGS Ready
HTML5
compatible
ISO20022 Ready
• Authorisation workflow
with maker /Checker
• Authorisation note
history
• Multilevel authorisation
• Who?
• When ?
• What ?
• Audit report payment
wise
Authorisation
Audit Control
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• Image based Mandate
management
• User friendly Split UI
• Multiple scanner
compatibility
• Signature display
• Real time monitoring • Payment flow status
• Cashflow Status
• Liquidity status
• Services status
Mandate
Management
Dashboards
• System Rule
• Operation Rules – user
• Rule based routing &
filtering
• Payment hold / auto
return
• Selection of event for
alerting
• SMS / Email template
configuration
• SMS Alert
• Email Alert / Advice
Rule based
Routing
Event Based
Alerting

20. • For value dated
transactions
• Auto storing and
presentment
Warehouse
processing
• For all payment
types
• Across origination
host & getaways /
settlements system
Reconciliation
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• Auto collection
processing for ACH
• Loan/Finance / Card
Auto
Collection
Triggering
• Charge maintenance
• Auto charge
collection for
payments
• Auto invoice
generation
• Processing/Return
Auto Billing
charges
/Charging
• Auto payment return
• Based on validation
status
• Auto reason code
mapping
• For ACH collection
payments ,
• Return due to fund
• Based on no
reattempt
Auto return
Processing
Auto
Reattempt
• For ACH
• Mandate status
• ACH payment status
• Statement / Invoices
• Reduce TCO
• OS – AIX/Linux /
Windows
• IBM WAS / Jbosss
• Sql Server / Oracle /
DB2
Auto
Origination
reporting
Multi Platform
compatibility
• Encryption /
decryption across all
channels
/connections
• Class II /III certificate
• SHA
• Checksum
Crypto
• Multiple Host
interfaces
• Multiple gateway
• SSO login ready
• Any CMIS compliant
DMS
• Any scanner
Interfacing
• Web service enabled

21. www.evolvussolutions.com
ISO20022
• RTGS
• NEFT
• ACH / Mandate
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RTGS
NEFT
ACH
IMPS

22. Flux PayDirect
www.evolvussolutions.com
IndusInd Bank Case Study with H2H

23. MCCC N.Point
Loan CPU - Chennai
CBS – Finacle10
Application/WebServer
NACH Offline
web Terminal
Zafin
Centralized Charging
system
NPCINET
Iworks /DMS
Oracle DB Server
Mandate Capturing
stations across the
branches
Digital Signature Exchange
server
system
SMSC

24. Key Integration set up
IndusInd Project KPI
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Seamless operations across all 500+ Branches ,
CPU & Centralized Clearing Cell
Minimize cost by using existing scanning and
document management infrastructure
Minimize effort towards branch training
Automated and secure processing of
mandates and files
Straight through transaction processing across
for our Corporate customers
Significant saving in infrastructure & third
party cost
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Core banking - Finacle
Signature system – Finacle SVS
Document management system & scanning
station across the branches
Host to Host with NPCI
Charging Engine
Corporate banking – Direct Corporate Access
(to be done)

25. Hardware Parameters
Minimum Specification
Processor
Quad Core
Chipset
Intel
Processor Speed
2.6GHz or above
Cache Memory
Minimum 4 MB – 8 MB L2 Cache
RAM
16 GB upgradeable to 32 GB
Hard disk Drive Type
SCSI
Hard Disk space
500 GB x 2
Software Details
Option 1
Option 2
Operating System
Windows 2008 Enterprise Server or
above
Unix/Linux/Sun Solaris
Application Server
Jboss or Tomcat or Websphere 6.1 /
higher
WebSphere 6.1 or higher
Database server
MS-SQL Server 2008 standard
Edition / R2
Oracle 10g or higher / DB2
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26. Thank You
Contact Us
Sanjay Bhoite
Anish Thomas
Karthik
atos.net
- 9930182331
- 9885016017
- 9845113289
www.evolvussolutions.com