2. upd icbs signature mngt fsv11.2

INTEGRATED

COMPUTERIZED

BANKING

SYSTEM

Functional Specification

Signature Management

By BML Istisharat Sal

September, 2011

Ref: ICBS/FS/Sig Mgmt – V11.2

BML Istisharat Sal Signature Management I.C.B.S.

Functional Specification Page : 2

TABLE OF CONTENTS PAGE

1 INTRODUCTION ........................................................................................................................... 4

1.1 OBJECTIVES ................................................................................................................................... 4 1.2 PREREQUISITES ............................................................................................................................. 5 1.3 DOCUMENT’S SECTIONS................................................................................................................ 5

2 SIGNATURES / DOCUMENTS MANAGEMENT ..................................................................... 6

2.1 SCANNER PARAMETERS ................................................................................................................ 6 2.2 SIGNATURE / DOCUMENTS SCANNING ......................................................................................... 6 2.1.1 ONE STEP ENTRY ............................................................................................................................ 6 2.1.2 MAKER CHECKER CONCEPTS ......................................................................................................... 8 2.3 DEFINING CUSTOMER'S ALLOWED SIGNATURES ........................................................................ 9 2.3.1 ONE STEP SIGNATURE DEFINITION ............................................................................................. 9 2.3.2 MAKER/ CHECKER CONCEPT ..................................................................................................... 12 2.4 MODIFICATION OF VALID SIGNATURES ..................................................................................... 13 2.5 CANCELLATION OF VALID SIGNATURES .................................................................................... 14 2.6 DELETION OF REJECTED ITEMS ................................................................................................. 15 2.7 REMOVING A MEMBER ........................................................................................................... 16

3 SIGNATURE BROWSING AND VERIFICATION ................................................................. 16

3.1 COMMON TELLERS OPERATIONS - SAMPLE .............................................................................. 16 3.2 BACK OFFICE CHECKS RECEIVED FROM CLEARING HOUSE PROCESSING - SAMPLE ........... 18

4 SET OF INQUIRY FUNCTIONS ................................................................................................ 19

4.1 INQUIRY ON SIGNATURES ATTACHED TO AN INDIVIDUAL PROFILE ........................................ 19 4.2 INQUIRY ON SIGNATURES ATTACHED TO A CUSTOMER OR CUSTOMER’S ACCOUNT ............. 19 4.3 INQUIRING ON TRANSACTIONS AND BROWSING RESPECTIVE PRESENTED SIGNATURES ........ 20

5 FINGER PRINT MANAGEMENT ............................................................................................. 22

5.1 FINGER PRINT REQUIRED ............................................................................................................ 22 5.2 FINGER PRINT SCANNING ............................................................................................................ 22 5.3 FINGER PRINT ACTIVATION ........................................................................................................ 24 5.4 COMMON TELLERS OPERATIONS – VALIDATION BY FINGER PRINT SAMPLE ......................... 24



Revision History

Date Version Comments Author Validation

March 2007 10.1 First version

June 2011 11.1 Adding Maker and Checker

Feature

E.Hajj

September 2011 11.2 Screen Updates and Related

Info

+

Finger Print Process

Muriel Daou



1 INTRODUCTION

1.1 OBJECTIVES

ICBS “Integrated Computerized Banking System” is BML Banking Solution. This document

is part of a complete set of manuals describing the functionality of the different ICBS

modules.

The present document is intended to cover the "Signatures management" through the

following functions:

1. Signatures/ Documents management

Scan and/or Attach signatures to individual person profile

Define Customer's / Customer's Account Allowed Signatures

2. Signatures browsing and verification during transactions processing:

Common Tellers Operation:

Through the usage of the "Customized transactions" Module: Cash Withdrawal, Account

to account transfer, etc.

Or other teller's operations such as Draft check issuance, Check Certification, etc.

Back office Checks received from clearing house processing

3. Set of Signature inquiry functions

Inquiry on signatures attached to an individual profile

Inquiry on signatures attached to a Customer or Customer's Account

Inquiring on transactions and browsing respective presented signatures

In addition to signatures validation upon transactions, “Finger Print” validation is available

and it will be covered also in the present document:

1. Fingers Required Parameters

This function is used to save the finger print related to a physical ID of a Customer to

the system.

2. Finger Print Scanning

3. Activating Finger Print for a Customer

4. Finger Print verification during transaction processing



1.2 PREREQUISITES

In this document we refer to several other ICBS documents. Reader should have already

acquired basic ICBS knowledge and especially should master functions stated in the

following manuals:

Security & Log on

General tables

Customers‟ Information System

Customized Transactions

Checks and Clearing

Moreover, reader should be familiar with ICBS standards including interaction such as:

Screens navigation

Menus and Toolbars (Insert, update, cancel, enter and execute query buttons)

Selection criteria

Help facilities and list of values.

Calling reports and getting the output on screen, printer or files.

1.3 DOCUMENT’S SECTIONS

The topics covered by this document are detailed as follows:

Section 2: Signatures/ Documents Management

Section 3: Signature Browsing and Verification

Section 4: Set of Inquiry Function

Section 5: Finger Print Management



2 SIGNATURES / DOCUMENTS MANAGEMENT

2.1 SCANNER PARAMETERS

This function is used to define the different scanner parameters.

2.2 SIGNATURE / DOCUMENTS SCANNING

This function is used to scan and add signature image to the system. The scanning in this

program is related to the physical ID of the customer. This process can be done either by

One Step Entry

Maker / Checker Concept

2.1.1 One Step Entry

This Function is a one step process and consists of the following steps:

1. Paper or signature document should be placed into the scanner.

2. Physical number of the customer should be selected.

3. Scanned image will appear in the middle of the screen after using the scan button.

Pressing on the attach button would invite the user to select a picture file to be

attached to the active profile.



This function interface with utilities / drivers provided with the scanner through the

usage of the "Twain Commander" utility (Copyright product of Jungclsaus Software

Engineering) to scan the required document and attach it to the person profile.

Pressing on “Clear” button will remove the current picture view.

Pressing on “Export” button will allow saving the attached picture to an external text

file.

Pressing on “Scan1…4” will activate the scanner using the scanner parameters for

selected sections (currently only 4 sections of the document are supported)

Pressing on “Finger Print” will launch the finger print capture device. System will

open the existing driver for finger print capture device. ICBS can interface with any

finger print device that has an SDK toolkit.

Note 1: If signatures / images are available on a magnetic media user will press on the attach

button to link it; otherwise he will press on the scan button to activate the scanner and attach

the scanned images.

Note 2: Multiple documents / signature / fingerprints can be attached to each person.



2.1.2 Maker Checker Concepts

Same steps as described in section 2.1.1 but with a concept of validation from another

function (BBSGN11F) to be used by a Checker person.

1. Scanning and attachment to be processed from „BBSGN10F‟ function

2. Validation of what has been scanned and captured through „BBSGN11F‟ function.

Normally such validation function will be handled by a different user than the one

who did the scanning and the attachment. The validation process will allow the user to

view the scanned or attached signature and give him the possibility to either reject or

approve the entered data.

Note that Finger Print option is not activated in this function.



2.3 DEFINING CUSTOMER'S ALLOWED SIGNATURES

2.3.1 One Step Signature Definition

This function allows selecting the authorized signatures for all customers‟ accounts or for

selected account; therefore a signature can be authorized to:

a) All Customer's Account (i.e. assigned to the Customer's ID)

b) Or to a specific customer‟s account (i.e. assigned to a Customer's Account Number).

a) In case signatures are to be assigned to a Customer

a) User will select the Customer‟s ID to which signatures will be assigned

b) System will retrieve all persons related to the customer (including individuals persons

attached to the customer as well as individual persons member of a corporate attached

to the customer, Defined Proxies / Power of Attorneys).

c) For each displayed Person ID, user will:

Select the signatures validity dates : Start and Expiry Date

Assign the respective Signature Class (A, B, C, etc.). The class is a random

alphabetical letter, to indicate the category of the withdrawal limit for the

account. In case no class is assigned, the system will consider that the

individual has unlimited withdrawal limits to the account.

Check the "Active" Box to activate the signature of the respective person

Check the “Finger Print” Box to activate the finger print utility of the

respective person

Press on the Signature Button to browse all signatures attached to this

specific person

Select the person's required signatures

Set the default signature

d) When done with the signature attachment, user will proceed to the amounts conditions

(considered in Local Currency of the Bank in case the signature is related to all the

accounts of a customer, and in the account currency in case the signature is limited to

one account) and he will assign for each combination of signatures the upper limit of

the range of the amount allowed to be withdrawn from the account. The classes on the

same line are joined with an „AND‟ logical operator, and lines between each other are

joined with an „OR‟ operator. The first combination that matches will be used by the

system.

The following screens show a customer made of two different persons (individuals) with

having her own signature(s) / image(s) along with an example of signatures combinations and

respective authorized amounts:

This function allows attaching set of signatures to a customer‟s ID or to a customer‟s account.



By pressing on the signature button the bellow screen appears

The number of the image appears at left. User can click on the zone below and browse for the

next signature attached on the physical customer number.

Multiple signatures / images can be captured and one can be defined as default. Clicking on

the zone next (at the right) to the signature number „Default Sign.‟ will define the signature

that will be browsed by default during operations.

Clicking on the zone at the left of the signature number, will precise the signature that can be

used.

User is able to “Zoom In” the photo by clicking on “+” button or “Zoom Out” by clicking on

“-” button.

b) In case signatures are to be attached to an account:

User will select the Customer‟s ID and the required Account number

And will follow the same process detailed above.



Then he will press on the Signatures button to proceed to signature screen:

Multiple signatures / images can be captured and one can be defined as default signature that

will be browsed by default during operations.



2.3.2 Maker/ Checker concept

This section will be done through 3 steps, 2 steps at data entry level and one at validation

level.

1. user will proceed as described in previous section 2.2.1

2. Saved data should be submitted by user using the submit button

3. Validation will be processed through the BBSGN13F function

Note that Finger Print option is not activated in this function.

Entry

Submit

Validation



2.4 MODIFICATION OF VALID SIGNATURES

System offers the facility to modify a valid signature by using one of the following:

a) Direct modification by querying the signature and modifying the desired information

which will be saved directly.

b) Using Maker-Checker concept:

-User will query as per his selection criteria the desired signature elements to be modified

(Figure1).

-Modification will be processed and saved through function „BBSGN12F‟ (Figure2).

-Modified data should be submitted through the function „BBSGN18F‟ in order to be

validated (Figure3).

-Validation will be done through „BBSGN13F‟ (Figure4).

Figure1

Figure2



Figure3

Figure4

2.5 CANCELLATION OF VALID SIGNATURES

System offers the facility to cancel a valid signature by using one of the following:

a) Direct cancellation by querying the signature then pressing on delete button

b) Using Maker-Checker concept:

-User will query as per his selection criteria the desired signature elements to be deleted

(Figure1).

-Deletion will be processed through function „BBSGN12F‟ (Figure2).

-Intended record to be deleted should be submitted through the function „BBSGN18F‟ in

order to be validated (Figure3).

-Validation will be done through „BBSGN13F‟ (Figure4).



Figure1

Figure2

Figure3

Figure4

2.6 DELETION OF REJECTED ITEMS

Items submitted for validation and have been rejected by supervisor, will be deleted through a

separate function (BBSGN17F). Supervisor will query the rejected data and flag the one to be

removed.



2.7 REMOVING A MEMBER

System offers the facility to remove a member and its related signatures. Removed data

will be stored in a separate table.

3 SIGNATURE BROWSING AND VERIFICATION

3.1 COMMON TELLERS OPERATIONS - SAMPLE

System offers a facility, allowing user to visualize signatures attached to an account. Thus

while performing an operation and whenever an account number is entered / selected, user can

click on the signature button and system will prompt the eventual default signature attached to

this account.

Note: Also, parameters may be set to automatically browse the signature once the account is

selected. (Please refer to attached appendix 1 for more details)

During operation processing, upon account

selection. User can press on the signature

button to check the signature related to a

specific customer.

Signature attached to account is browsed



Signature visualization upon operation confirmation

Upon operation confirmation, and subject to

previously set parameters identifying the

account and operation fields, system will

browse signatures attached to the customer‟s

ID

User is invited to select submitted signature(s).

In case he selects a signature (or a combination)

not authorized to cover the requested amount

A break message will be displayed While selecting an adequate combination allows

the operation to resume / complete.

System will keep track of the operation‟s selected signatures.



3.2 BACK OFFICE CHECKS RECEIVED FROM CLEARING HOUSE PROCESSING -

SAMPLE

The purpose of this function is to allow:

Visualization of checks details and their respective images

Visualization of the stored signatures to be compared with the received checks

signatures

Possibility to refuse the check for bad signature or bad wording reasons.

Querying the uploaded checks

A multiple criteria query can be

issued and system displays the

received and uploaded checks

details.

Pressing the show image button

prompts both the received

check‟s image and the account‟s

allowed signatures.

For more details about check

clearing, please refer to the

Checks Management document.

The first block shows the

eventual check image.

The lower block gives access

and shows allowed signatures.

User will be able to check and

select the related signatures

NOTE: THE ABOVE IS APPLICABLE ONLY IF USING ICBS CHECKS

REMITTANCE AND CLEARING FUNCTIONS. MORE PRECISELY, IN CASE OF

INTERFACE WITH ECC (ELECTRONIC CHECK CLEARING) SIGNATURES

WILL BE HANDLED BY THE ECC SOLUTION.



4 SET OF INQUIRY FUNCTIONS

4.1 INQUIRY ON SIGNATURES ATTACHED TO AN INDIVIDUAL PROFILE

This function allows scanning and/ or attaching a set of signatures / scanned documents to any

individual person profile.

4.2 INQUIRY ON SIGNATURES ATTACHED TO A CUSTOMER OR CUSTOMER’S

ACCOUNT This function allows determining the members of a specific ID and the defined signatures to

each member (for more details, please refer to section 2).



4.3 INQUIRING ON TRANSACTIONS AND BROWSING RESPECTIVE PRESENTED

SIGNATURES

This program allows inquiring about customers‟ global situation with tabular screens and drill

down to accounts and to the accounts details.

Customer’s level:

1. Customer's accounts list with Balance sheet and off balance sheet.

2. Customer's addresses

3. Credit lines (Granted & used figures)

Account’s level:

1. Account‟s general data

2. Account‟s annotation / referrals

3. Account‟s balances

4. Statement of account

5. Overdraft history

6. Statistical data

7. Standing Orders

8. Value date balances and corresponding details

Referring to this program, the Statement of Account screen (see screens below) allows the

user to visualize the signature of the correspondent customer.

For more details about the Account‟s level, please refer to the “ICBS Customized

Transactions” document.

Statement of account

This screen shows all account‟s

transactions within a user-selected range

of dates, including:

1. Daily Transactions

2. Historical transactions and

rates / credit limits changes

3. Hold amounts

Double clicking on a transaction,

provides drill down to details as stated

hereafter:



System starts by showing the transaction

accounting entries details (i.e. all related

Debit and Credit entries) with scrolling

facility.

User may also click on the corresponding

button to visualize:

a) The signature presented

and selected at the time of

the transaction

b) The advice / Customer

note issued at the time of

the transaction.



5 FINGER PRINT MANAGEMENT

5.1 FINGER PRINT REQUIRED

This function is used to define the required fingers to be captured for the bank customers.

5.2 FINGER PRINT SCANNING

This function is used to save the finger print related to a physical ID of a Customer to the

system.

Step 1

Pressing on the “Finger Print”

button would launch the Finger

Print capture device

Step 2



The finger print device is a guided

wizard that, however it can be

different between one capture

device and the other, depending

on the SDK provided. The wizard

will allow the bank user to

acquire the specified fingers

defined in section 5.1

The device will ask the user to

acquire twice (for double

checking) the specified fingers as

defined in “Fingers required”

function.

Step 3

The device will create a secure

code from the fingerprint image.

Note: The screen shots shown in this document are taken using the finger print capture device

‘FingKey Hamster’, a product by ‘NitGen Biometric Solutions’.



5.3 FINGER PRINT ACTIVATION

This function allows activating the finger print option for a given customer. Therefore, Finger

Print can be authorized to:

a) All Customer's Accounts (i.e. assigned to the Customer's ID)

b) Or to a specific customer‟s account (i.e. assigned to a Customer's Account Number).

e) User will select the Customer‟s ID to which finger print will be assigned

f) System will retrieve all persons related to the customer (including individuals persons

attached to the customer as well as individual persons member of a corporate attached

to the customer, Defined Proxies / Power of Attorneys).

g) For each displayed Person ID, user will:

Check the “Finger Print” Box to activate the finger print utility of the

respective person.

5.4 COMMON TELLERS OPERATIONS – VALIDATION BY FINGER PRINT SAMPLE

While performing an operation and whenever the following criteria are met:

1. Finger print checking is enabled from the sub module

2. Finger print checking is enabled for the current customer ID /account

3. Individuals that are members of the customer ID have captured finger prints.

The system will open the finger print validation screen, showing the customer members

individuals, this will allow each of the members on the counter to scan one of their captured

fingers.



Step 1

The customer will be invited to

scan his finger, after the „check‟

button is pressed, since it will

trigger the device capture

function.

Once the finger print is captured

the system will make the

matching between the current

finger print and the one already

captured upon account opening.

Step 2

In case of matching, system will

set the status to “Valid” and user

will continue the operation. If

they do not match, the system will

set the status to “Not Valid” and

will block the user to do any

action.

Note: The screen shots shown in this document are taken using the finger print capture device

‘FingKey Hamster’, a product by ‘NitGen Biometric Solutions’.



Appendix 1:

Defining Operations Where Signature will be automatically browsed

Using this function, system administrator will set in the various operations when the

signatures are to be browsed automatically.

For instance, administrator will record the following:

Module Code

Sub Module Code

Account order number on the screen.

During operation, and when the cursor is positioned on the respective account, system will

browse the default signature without the need to press on the "Show signature" Button.



Appendix 2:

Defining Operations Where Signatures Need to Be Check Upon Confirmation

The following process is to be followed by the system administrator to trigger signature

verification upon operation confirmation.

Step 1: Activating Signature verification For an Operation (Sub Module).

Using the Sub Module Management function, system administrator will select one of the

following for each required operation:

Do not Check: Upon Operation confirmation, No signature will be browsed and

consecutively no verification would take place.

Check Without Blocking: Upon operation confirmation, system will browse

signatures attached to the corresponding customer's account; user will proceed to a

visualization verification.

Check With Blocking: Upon operation confirmation, system will browse signatures

attached to the corresponding customer's account; user will need to select the

signatures that were presented to him. System will verify that the selected signatures

cover the transaction amount; otherwise (No selection or Signature do not cover the

transaction amount) a blocking message is generated.

Step 2: Selecting the account which signatures are to be verified.

Indeed, some operations may include several customers' accounts as well as several amounts.

Though the present step, system administrator will define:

The customer's account that signatures need to be verified.

The operation amounts that need to be checked against the signature authorised

amount.



This selection is performed within the Operation "accounting Parameters" setting function.

Consequently, for each transaction code (sub module), system administrator will select:

The required account number variable (Indicators referring to the required Branch

Code and Customer Account Number)

The required amount variable (Indicator to the required Amount)

2. upd icbs signature mngt fsv11.2

Documents

signature browsing

signature documents

step signature definition

functional specification

finger print management

documents sections

maker checker concepts

set of inquiry functions