Identity and document fraud prevention for banks and financial institutions.

The Nirph Customer Identification System speeds up transactions, reduces fraud and improves overall
customer satisfaction. Financial institutions constantly struggle with reliable customer identification and
consequently customers are getting more concerned about the safety of their money because of identity fraud.

BENEFITS OF CIS

• Compliance to KYC and the United Nations, Office on Drugs and Crime Suspicious & Currency
  Transaction Reports.
  
• Forms a critical part of CIP regulations (Customer Identification Procedures).
  
• Speeds up customer identification, takes less than 1 second for positive identification.
  
• Identify and eliminate fraudsters.
  
• Speed up all customer info at one place and reduce account administration.
  
• Save on bandwidth infrastructure (photo, fingerprints and signatures are less than 10kb).
  
• Excellent marketing benefits - we protect your money
  
• Forms the foundation for intelligent customer management. Truely Know Your Customer.
  
• Allows fingerprint ATM, fingerprint POS and secure internet banking add-ons for future security.
  
• Eliminate identity fraud and help protect customer money.
  
• Lends repudiation to transactions and tracks cashier and customer behavior.
  
• Eliminates multiple identities.

BENEFITS OF CIS SERVICE DESK

• Positive and accurate customer identification.
  
• Capture photo and fingerprints quickly.
  
• 3rd party management - enroll and identify 3rd party customers.
  
• XML and SOAP services available for integration into the bank’s accounting system. Link account
  and non- account holders’ identities to transactions.
  
• Integrate into card database so that a customer can just swipe his ATM card at a cashier to retrieve his
  details.
  
• Fraudsters can be instantly detected before they defraud the bank a second time.
  

BENEFITS OF CIS ENCOMPASS

• Enter mandate card information and easily display it through to the bank official.
• Capture and update account and non-account holder information easily.
  
• Advance compression technology ensures that customer information is easily accessible from any
  branch, anywhere.
  
• Manage customers and employees centrally.

BENEFITS OF CIS ADMINISTRATION

• Generate reports on customers and their behavior.
  
• Generate reports on branch transactions.
  
• Manage and tie together a customer’s identities.
  
• Manage fraudsters and fraudulent transactions.
  
• Manage branches’ and branch machines’ distribution of software updates.
  
• Complete built-in reports and customized reports are available.
  
• Customer approved processes. 

APPLICATIONS OF NIRPH CIS

• Secure accounts by registering encrypted digital records of the customer ID and fingerprint.
  
• Associate customer ID with complete transactions.
  
• Authorize or deny transactions based on verification results.
  
• Share customer data between branches real-time; once enrolled customers and 3rd parties can be
  identified at any branch.
  
• Monitor and manage customer identities live.

Nirph CIS is a unique and highly effective customer identification system. This system is deployed throughout
the structures of a bank and manages all customer identification within the bank.

Nirph CIS forms the basis for all customer identification management and allows for future incorporation into
ATM’s, POS and secure online banking.

CIS also provides additional services to the bank: banks can easily handle employee payments and pension
payouts (proof of life). Through government services, banks can reliably issue identification documents and
even renew driver’s licenses, etc.

CIS FRAUD ID
Nirph CIS Fraud ID detects and eliminates fraudsters.The CIS Fraud ID system is incorporated in all CIS
technology. The system is composed of an advanced fingerprint live scan system that scans a customer’s
fingerprints, sends the data to the CIS server where the algorithm is extracted and matched against fraudulent
prints stored. When a match is found the system sends information to the CSD ID (Customer Service Desk)
and displays the suspicious individuals’ information on the officials’ workstation (Note: The fingerprint is the
ultimate identification, the photo is only used as a backup to assist in additional verification). The same
information is automatically e-mailed to the bank’s audit and internal control department with detailed

information at which workstation and by which bank official the fraudster was detected.

This will enable the bank personel to handle the matter according to processes set in place by the bank’s
internal audit department.

NIRPH ENCOMPASS
Nirph Encompass forms part of the Nirph CIS data capturing and data verification system. This system allows
the capturing and management of customer information via a secure web interface across the bank’s intranet
infrastructure.

After a customer has completed a compliancy form and is enrolled (with photograph and fingerprints), the
CIS ID system produces a reference number which the bank official then writes on the form tying it uniquely
to the enrolled customer record. The form is then sent to the backend for capturing into the secure online
Nirph Encompass system.  

NIRPH ATM SOLUTIONS
Nirph has developed an ATM add-on module for customer identification on the ATM. The unit currently fits
on to the standard range of ATMs.

Banks that purchase the ATM module will also need to have CIS implemented in their bank as CIS forms the
foundation for the customer identification platform.