MSCL Remote Banking Transaction Server
(RBTS)
RBTS© is copy righted by Intellectual Property Organization (IPO) of Pakistan with registration ID 33473.
RBTS™ is a set of integrated software modules
and provides Interface to host banking systems to communicate with the applications
controlling remote banking devices. RBTS can communicate in ISO8583 format or non-ISO
format. ISO8583 is a standard specification for creating and reading transaction
messages for remote banking. RBTS provides communication across ATMs, Point of Sale
(POS), Kiosks, Call Center, Internet, Swift/Remittance and network-to-network real
time transactions device controllers using common TCP/IP Protocol.
RBTS version 2 (V2) provides major enhancements over version 1 in terms of functionalities,
maintainability, usability and availability.V2 also enhances RBTS audit trail and
reconciliation functions. An enhanced MIS module improves management control for
Remote Banking Business.
RBTS is framework based middleware system. The framework for V2 has been further
refined, made more robust and modular. RBTS V2 based on this framework supports
more Remote Banking devices, Channels and host banking systems. As obvious from
the framework, RBTS V2 comprises of the following modules.
Click to enlarge
This module manages trusted connection with the remote
banking controllers, for example; ATM, POS, Kiosk, Call Center, Internet Banking
and Swift/Remittance. This includes validation and authentication of connection
based on the business and operation rules. RBTS/Wisdom offers facilities to define
these rules through parameters. The module operates in listening mode all time to
ensure timely handling of controllers’ messages. These messages are forwarded to
message processor.
Message processor works on the principles of queuing and
multi-threading. This ensures faster message processing and still maintaining message
integrity. It handles both Standard ISO8583 and Non-Standard formats. RBTS/V2 supports
both ISO 8583 versions i.e. 1987 and 1993. The processed message is forwarded to
Transaction Manager.
Transaction Manager parses the message to identify Financial
and Non-Financial Transactions and manages the processing according to the Access
Facility of host banking system. It identifies host system for host manager and
passes relevant information to Host manager. Both ISO 8583 compliant and non-compliant
messages are converted in to a common message format. Transaction Manager forwards
transaction messages to the Host Manager and forwards Host response to these messages
back to the Message Processor.
Rule manager manages business and operational rules through
parameters. Also applies polices for transaction charges, host system mode, RBTS
log maintenance, Disaster/Recovery and password management. All rules are stored
in RBTS database. The user interface to the Rule Manager is provided by RBTS/Wisdom.
Host Manager manages connection with multiple Host Banking
Systems, receives transactions from RBTS Transaction Manager and passes on to appropriate
Host Banking System for processing. Then retrieves the response from host banking
system and makes this available to Transaction Manager through Integration Layer.
All components of RBTS are bound together in a single application
through Integration layer. This also provides seamless interfaces across different
RBTS V2 components.
This is the repository of all required data and information
defining business rules, operation rules, controller message formats, host system
definitions and devices information. This also stores transaction logs for audit
trail and reconciliation functions. This relational, normalized and secured database
can be manipulated by RBTS/Wisdom module to provide required MIS and business control.
The central operation executes Start of the Day process
and End of day Process. It maintains transactions IN/OUT logs in RBTS Central Database
and clears RBTS Logs as defined in operational rules. Also executes Disaster/Recovery
processes as defined in operational rules.
RBTS/Wisdom enables Business Managers to manage Remote
Banking business by analyzing transactions trends, performance measurements and
rule management. For this purpose Wisdom generates meaningful, customizable reports
and online queries. It ensures transaction integrity through Audit Trail and transaction
logs. Its reconciliation function provides reports to meet central accounting needs.
Wisdom provides built-in intelligence to the Business Managers facilitating efficient
management of Remote Banking business.
Attracting business and retaining competitive edge for
the banks now means that the banks need to provide banking and related services
on demand and where the customers want it. RBTS/Cloud is a comprehensive inter-branch
banking module of RBTS. It is convenient, secure, and flexible banking channel enables
the banks to capitalize on their existing infrastructure for handling their inter-branch
transactions with multiple core-banking host systems. RBTS/Cloud module has two
layers framework; one is the Front End Layer which is Browser Based User Interface
and second is the Back End Layer which acts as a switching layer connected to multiple
Banking Host Controllers concurrently at back end. It communicates with the Host
Controllers using common TCP/IP Protocol. It can communicate using ISO8583 format
or non-ISO format. ISO8583 is a standard specification for creating and reading
transaction messages for remote banking. It accepts transactions from branch users
through its browser based user interface, performs validation of transactions and
routing them to required destinations. It acts as a financial switch through which
it performs all the financial and non-financial transactions. It extends the inter-branch
funds transfers from accounts on one Banking Host to accounts on other Banking Host.RBTS/Cloud
manages all the transactions logs for audit trail and reconciliation functions into
RBTS Central Database.
is a web based module which is aimed to maintain a centralized
repository of all users of electronic systems along with all security measures related
to user management, thereby eliminating the need to do user management for each
individual system. This is single entry point for authorized users for accessing
any browser based systems.
- Already implemented in a large Banks in Pakistan
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- Support for ISO8583 and Non-ISO format transactions
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- Simple and easy to implement
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- Proven system to support Central Banking System migration
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- Strong on site and remote support
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- Completely Parameter driven
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- Strong MIS Reporting facility
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- Audit trail and reconciliation
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