Banks are faced with the challenge of understanding Customer Behavior, Patterns, and Low Customers Loyalty. They are unable to get an "Overall View" of the Customer. Heterogeneous Applications and Platforms further make it difficult to develop a Customer Analysis Model. All these factors ultimately lead to Poor Customer Risk Assessment, thereby reducing the profitability of the Financial Institution. The solution offers information feed from Reuters and is based on Windows DNA Framework, thus ensuring higher reliability, availability and asynchronous messaging

One of the biggest challenges that Banks and Financial Institutions face is managing bulk transactions while ensuring customer satisfaction, especially Corporate houses, while adding value to the customer and retaining that slender margin in the ever increasingly competitive business environment. It becomes vital to deploy a tool to manage the cash flow and its disbursal, especially for the corporate clients. Numerous opportunities for value-added services exist in this space, enabling growth and revenues. Collateral gains also include short-term funds available to be deployed for higher returns, which is practically interest free. COMPUSOL CMS is one such solution aimed at delivering profits and services to Banking and Financial sector in this niche segment.

COMPUSOL CMS is a middleware solution that integrates the existing Database infrastructure of the bank, into a Data-warehouse. Custom presentation layers and business rules are developed and deployed, ensuring higher integration with the Bank's IT infrastructure. The solution is secured using PKI based digital certification from COMPUSOL. The Clients are digitally certified and the Server looks for the same to authenticate and encrypt data during transfer. It also ensures non-repudiation and data-integrity thus enjoying higher confidence levels from all stakeholders. It is thus possible to use the solution over internet with equal security as over closed networks such as VPN.

Multi-product support
CMS can extend to offering multi product and facility support to enable multiple schemes and plans to co-exist on the same system. It could also offer multiple products to a single customer.

Personalization and Membership
Customers can login to the system to receive personalized updates and information about transaction. Personalization can be set up separately say, for Sales, Accounts and Purchase.

Limits and controls
It can manage limits and controls to be handled for an account, based on business rules and constraints set by the bank.

Two-way transaction
Customers can avail the facility of two-way transactions where collection, disbursement, or both can be managed for every CMS product subscribed by the customer. Collections against a Product may be either credited to the customer account maintained at any Branch or paid to any persons according to his instructions.

Arrangement and Day One Concept
The customer can opt for credit based on his choice of services and can further choose to have different crediting patterns (such as Day 1,2 or 3 credit) from different remitters and hence be charged for value-added services accordingly.

Pooling of Funds
The Banks branch on collection of cash or realization of instruments deposited by the dealers, Pools the same to HUB. There may be different types of Pooling like Direct Pooling, Percentage wise Pooling, Slab Wise Pooling, Location wise Pooling.

Charge collection and billing
The Charge collection for the bank can be based on the value-added services extended to the customer and based on the individual agreements negotiated with each of the customers. The charges collected can be as follows:

• Charges for Collection, which may be per instrument basis with min/max limitations.

• Charges for Return, which may be per instrument basis.

• Interest for Delayed Realization or Delayed Returns.

The Bank can charge different rates for different locations and different for different customers

• Multi-product and Schemes support
• Two-way transaction 
• Arrangement and Day One Concept
• Funds Pooling
• Charge collection and billing
• Rule based Transaction Limits and Controls

• PKI solution from RSA/Baltimore/Microsoft
• Firewall and Intrusion Detection System
• PKI based Smart Card integration for Users
• Built in Watch Dog for Disaster prevention and Recovery
• Very Robust engineering for fail-over recovery

• Intel Dual/Quad CPU Cluster
• Windows 2000 Advanced Server
• SQL Server 2000
• BizTalk Server 2000
• Active Directories
• VB/COM+/MSMQ solution with ASP/ASP+ front end
• PKI integration
• Firewall and IDS
• Smart Card integration for Users
• Web based online reports
• Internet/Intranet/VPN/VSAT networking supported

• Hub based solution for easy maintenance and support
• Very High Fault tolerance and recovery
• Robust Security by design
• High Return on Investment and Low TCO
• Flexible and rapid deployment - Support for Internet, VPN or Intranet
• Higher returns to both Customer and Bank

The solution architecture is based on Windows DNA Framework. The architecture focuses on high Fault Tolerance, Transaction reliability and solution scalability, the virtual wish-list for a mission critical enterprise solution. The architecture uses SOAP/XML along with MQ technologies for availability and EAI within the banking IT infrastructure. Loosely coupled component based architecture allows components to easily integrate and manage. The solution uses the multi-threading model; providing multi-user transaction processing seamlessly. The key architectural advantages of the proposed solution include:

• The solution architecture is based on Windows DNA framework, which leverage state-of-the art SOAP/XML-COM+ technologies in conjunction with the Microsoft Transaction Server support
  
• The Component-based solution ensure longer product life cycle and reduce obsolescence. It provides higher scalability and change management.
  
• Asynchronous communication using MQ and XML gives high Fault Tolerance & Error Handling and reliability
  
• PKI based security to ensure high data integrity, authentication, non-repudiation and encryption
  
• SOAP-XML-Web Services solution in line with state-of-art standards, ensuring longer product life
  
• Advanced Document Object Model for providing greater control and interactivity
• Component Services for Scalable, Flexible and Balanced Transaction Services
• Integration Architecture for access to all structured data stores
• Universal Data Access
• The component based solution adhere to
  • Cross-Platform
  • Binary compatibility
  • Location transparency
  • Code reusability

• Internet Banking
• Cash Management System
• Payment Gateway
• Merchant Server
• E-security
• EAI and EDI
• Products in B2B and Enterprise Solutions
• Software Development & Services
• Quality Assurance
• Process Definition
• Software Engineering Services

• Citibank
• IBM
• Microsoft
• Siemens Information Systems
• The Sutherland Group
• Sony Software
• Phoenix Global Solutions