CIS consists of the following key components:
The Nirph CIS
Cashier system allows the cashier to capture a customer’s fingerprints and
photo digitally. The system incorporates
an electronic fingerprint scanner and a digital camera.
New/existing customers: When a
customer arrives at the branch and is not yet enrolled on the CIS system the
cashier enters the customer’s account number, which in turn retrieves the
customers’ data from the financial system (e.g. Finacle) and then verifies the
customers’ identity.
The
cashier then requests the customer to first place his left and right index finger
on the scanner. The cashier then captures the customers’ photo, and transact.
On
first addition to the system the customer is requested to complete a compliancy
form, sign it and then hand it in at the cashier.
Existing CIS customers: When a
customer arrives at the branch that has already been captured onto the system,
the cashier enters the customer’s account number into CIS and all the
customers’ details are displayed to the cashier, including the customers’ photo
and signature (ref: Nirph Encompass). The cashier then requests the customer to place his fingerprint on the
scanner to verify the customers’ identity.
Once
this process is completed and the customer is positively identified the cashier
are allowed to continue the transaction.
The
system also allows for multiple users per account number. (E.g. joint accounts
or company accounts)
3rd party customers: When a
3rd party customer arrives at the branch (1st time), he
is requested to 1st complete a compliancy form. When the 3rd party customer arrives at the cahier, the cashier captures an identification
number (e.g. license card number, identification card number, or referee
details), the 3rd party customer’s photo and fingerprints1.
If a
3rd party customer is already enrolled he can visit any bank branch
and transact instantaneously by simply having the cashier the cashier enter his
identification number into the CIS system and verify his details, photo and a
fingerprint.
Fraud
id: When a fraudulent or suspicious transaction is detected, the transaction is
blacklisted on CIS Fraud ID (refer to CIS Fraud ID) and in turn linked to a 3rd party or customer ID. 1 When that person arrives to transact at the
branch the cashier and head cashier are notified.
The
CIS branch server system is located on the local branch server, or bandwidth
permitted is co-located. The CIS branch server application controls and manages
data throughput through to the local cashiers and also contains the fraudster
ID database. CIS Branch connects directly into the localized financial system
e.g. FAB.
Replication: The CIS branch
server system also manages data replication through to the CIS Server located
at the banks head office and disaster recovery sites. To ensure minimal load on
the branch network uploads and updates can be scheduled and managed.
CIS Search: When a new or 3rd party customer is enrolled at a cashier the customer’s fingerprints are sent to
the branch server where the prints are immediately scanned against the
fraudster database(less than 1 second), and the results are returned to the
cashier.
The
Nirph (ASI) advanced server infrastructure forms the core of the CIS structure.
The multi core server is located at the banks head office and a disaster
recovery server is located offsite.
The
CIS Server controls and manages all replication of customer and fraudster data
between all the bank branches.
When
a new customer is enrolled at a branch and the customer’s data is uploaded to
the CIS Server, the new customers fingerprints are then scanned and searched
across the complete customer fingerprint database. When matches are found the
information is compiled and forwarded to the auditing department. This process
ensures elimination of customers banking under different identities as well as
tying together customer accounts to one 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 device that scans a customer’s
fingerprint1, sends the data to the CIS Branch server where the
algorithm is extracted and matched against fraudulent prints stored.
When
a match is found the system sends information to the CIS Cashier and displays
the fraudsters’ photo, next to the possible fraudsters’ photo on the cashiers’
workstation (The fingerprint is the ultimate identification, the photo is only
used as a backup to ensure additional verification). The same information is sent
to the head cashier with detailed information at which cashier the fraudster
was detected.
This
will enable the bank to then handle the matter according to process as set into
place by the banks internal audit department.
Data
capturing, images scanning and data verification system
After
a customer completed a compliancy form, and the customer is enrolled(photo and
fingerprints), the CIS Cashier system produce a 9 digit code which the cashier then
writes on the form tying it uniquely to the enrolled customer record. The form
is then sent to the backend for capturing onto the Nirph Encompass system.
Mandate cards: Nirph Encompass
allows for the scanning and data input of customer signature and mandate cards
and also allow for the input of customer mandate requests. With Nirph Encompass
the backend operator simply enters the customer’s account number into the
system, inserts the mandate card into the scanner and press the capture button.
The customer’s signature or signatures is then individually scanned and
digitized and inputted into the system. With each signature the backend operator
now needs to simply input the mandate information as specified on the mandate
card.
The
customers’ photo attached to the mandate card is scanned in the same process
and the backend operator can decide to discard the image or use it as the main
customer photo.
Processes and measurements to ensure correct capturing and
safeguarding of the compliancy documents are to be implemented by the banks
verification and auditing department.
The
Nirph Encompass Recon application ties together the customer data captured with
Nirph Encompass and the Nirph CIS Cashier system.
CIS
pre- installation management
The
Nirph CIS Admin system manages and controls settings for each CIS application
located across the branch network ensuring easy deployment of all CIS
applications.
When
a new branch is scheduled for rollout, the branch system details are entered
into Nirph CIS Admin, including details and IP addresses for the branch server,
cashier workstations, service workstations and capturing stations. Once this
process is completed and CIS are being installed it all the CIS applications
will automatically connect to the Nirph CIS Admin system to get their specific
settings and rolls. The Nirph CIS admin is managed over a web browser directly
on the CIS Server, which in turn sends the data to the CIS Branch server.
Nirph
CIS SQLFS allows for the complete management of CIS applications located across
the branch network. Nirph CIS SQLFS ensures that complete version management is
centralized and file integrity is in place.
When
a system is corrupted running any CIS application the Nirph CIS SQLFS will
automatically verify and repair any corrupt files located any system during application
launch.
Nirph
CIS SQLFS also allows for direct management of any system running a CIS
application across the branch network.
Nirph
CIS Deploy allows for easy deployment of Nirph CIS applications across a large
network.
Nirph
CIS Deploy is installed on the local branch server and connects to the Nirph
CIS SQLFS system located on the CIS Server.
When
a bank is ready to deploy CIS at a branch and the appropriate hardware is
installed and functions correctly the support agent installs the Nirph CIS
Deployment client, and enters the machine ID and CIS Branch server IP address.
The Nirph CIS Deployment client will then automatically locate the appropriate
application as defined via Nirph CIS Admin and install the CIS application on
the system.
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