Card system

Dynamic Data Bank - DmDB

Main Features

  • Parameterizable
  • Scalable
  • Multicurrency
  • Multilingual and multinational system
It is centralized & leads to the cutback of the maintenance costs and the reduction of the run-time necessary for synchronizing the separate modules, supports all universal & specific bank operations & provides the dynamics and security any modern bank needs.

Architecture & Technical FeaturesPC based servers, independent platform, low bandwidth requirements.

Accounting & WarehousingContain options for integration into core system, for performing complex queries and analysis, gathering and grouping data, defining user group criteria; it is an easy-to-manage system with a fast and smooth way of producing statistic and management reports and a data warehouse as repository of the bank’s corporate memory, containing the raw material for specific reports.

Bank CardsThe bank card system supports the registration, the issuing, the management, the processing of the transactions and the support of the funds available.

Administration & SecurityFlexible user role modeling and user permissions settings, data recovery and data security, the “four eyes” principle, automatic debts clearing by customers, etc.

Delivery channelsThe system provides users with the flexibility and facilitation to send reliable notifications via the Internet, SMS messages, mobile / IVR, e-mail and courier services.


  • Bank system for processing card transactions (MasterCard, Visa, National authorization center)
  • RTGS
  • ASCII files interfaces
  • XML interface
  • DMMessage interface
  • E-credit – mass loan products
  • All other interfaces can be done up (customized) to the clients needs

Local Conditions:

  • Local general ledger
  • Local central bank reports
  • Information for the Ministry of Finance
  • Information for monetary authority
  • Interface with local payment systems
  • Interface to local central securities depository
  • Interface to securities delivery versus payment systems

Implementation of DMDB
Centralized Bank System

  • Creating an interface for data migration between the systems
  • Testing the data migration
  • Check reports after the test data migration
  • “Big Bang” – start in non-working days
  • Check of the migrated data

Non-centralized Bank System

  • Creating an interface for data migration between the systems
  • Testing the data migration for every branch
  • Check reports after the test data migration for every branch
  • Migration of the branches (2, 3 branches per week in non-working hours)
  • Check of the migrated data for every branch

Functional system modules

  • Money LendingHuge variety of loan schemes and high level of automation when servicing customers, suitable range of functionalities for loan products.
  • OverdraftsThe system maintains and operates with a huge variety of retail and corporative overdrafts involving current accounts, debit and credit cards.
  • Letters of CreditThe system maintains and operates with all LC types known in the international trade practice and theory.
  • Bank GuaranteesThe system supports all stages of issuing and granting bank guarantees.
  • CollateralsAutomatically connected register with all system modules.
  • ProvisionsThe system maintains all types of balance sheet assets, for which are required the procedures provisioning and impairment.
  • Clearing of DebtsThe customer’s debts are automatically cleared when funds are credited into his account.
  • Connected PersonsThe system provides register of the connected persons and a module for its control. Flexible & varied reports for specifying the exposition of the individuals connected in the system.
  • AccountingFor better management of the bank, the system supports simultaneously more than one basic currency. 90% of the book-keeping apparatus is automated according to the customers operations. Covered is the concept of customizable description of the Chart of accounts in accordance with the bank requirements.
  • Customer Relationship Management (CRM)Mechanisms for managing the customer campaigns carried out by the bank.
  • RatingsData warehouse module through which could be fixed various ratings based on a model specified by the bank after the BASEL II requirements.
  • Risk AssessmentSystem module for identification and assessment of the exposure, potential severity and probability of occurrence of the basic risk types - credit, market (position and rate) an operational according to a model specified by the bank after the BASEL II requirements. Automatic evaluation of the bank capital adequacy tailored after a personalized model.
  • Different Customer AccountsThe system operates smoothly both with and without IBAN numbers.
  • ChecksAll types of operations.
  • Government & Corporate SecuritiesBuys/Sales, commissions and fees, accruing interests, blocking and unblocking Government securities etc.
  • Tangible & Intangible Fixed AssetsThis system functionality is serviceable and convenient for financial institutions; it is a limited with automatic data processing.
  • DepositoryData processing and automated data interchange for all deals carried into effect by the bank.
  • Automatic Recurring PaymentsThe collection of recurring payments with different intensity and to/from different contractors can be handled automatically through this feature.
  • CashFull scale of the relevant payment-in-cash operations and option for processing documents at any free teller’s desk.
  • Credit CardsHuge variety of options for free definitions and automatic processing of important data – interest terms and conditions, commissions and bank fees, types of balances and etc.
  • CommunicationsModules for automatic connection with SWIFT (registered SWIFT partner), Western Union, the Central Depository, the Stock Exchange, RTGS, local settlement, mass payments processing, text files interface, XML interface, etc.
  • Front OfficeCovers all types of services and bank products a customer would expect to be offered at a teller’s desk.
  • Back OfficeSupports the full range of internal, heavyweight IT processing operations that handle position keeping, clearance, and settlement operations, both in the bank branch offices and the head office.
  • Module Western UnionThis is a feature that allows the fast and easy movement of funds, transactions are automatically uploaded into the system and the transferred money could be received at any cash desk of the bank. The system automatically generates files listing the paid up amounts.
  • Reports & StatisticsThe system provides variety of official reports and statistic data - audit, internal managerial reports, external reports, customer reports, etc. Generator for smooth and easy development of specific reports without changing the software.