CONIX Slides for IBM FTM User`s Group

Report
Solutions Update
Agenda
 Detective Suite Overview/Update
– Dupe Detective
– Fraud Detective
– Real-Time Inquiry
– Cross-Bank Inquiry
– FTM Interface
 TCMx / Server-Based Settlement
©2014 CONIX Systems, Inc.
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Dupe Detective FTM Interface
FTM
As new payments are
introduced and validated
in the FTM system, an
interface file is created
and made available to
DD that contains all
pertinent item
information.
Dupe Detective
FTM-DD
Drop Folder
DD Extract
New Items
Duplicate
Detection
Archive
Completed
Item/UOW
Update
Process
Duplicate
Results
(XML)
In Work
Incoming
Upon receipt of a new results file, the items are updated in FTM and a flag is set to
indicate the completion of the duplicate detection process for that unit of work.
©2014 CONIX Systems, Inc.
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After the duplicate
analysis is
completed, DD
creates and makes
available to FTM an
export file containing
the results.
Day 1 Duplicate Detection and Real-Time Inquiry
Cross-Channel
Detective Suite
Infrastructure
Landing
Zone
Web
Interface
MultiBank
Global
Log
Incoming & Outgoing
Payment
Systems
Dupe Detective
Image Analytics
Outgoing
Returns
X9 Inspector
Business
Rules &
Filters
Reporting
(Optional Feature)
Real-Time
Inquiry
Suspect
Review
©2014 CONIX Systems, Inc.
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Image
Archives
Day 1 Fraud Detection and Real-Time Inquiry
Cross-Channel
Detective Suite
Infrastructure
Landing
Zone
Web
Interface
MultiBank
Global
Log
Business
Rules &
Filters
Reporting
Fraud Detective
Image Analytics
(Optional Feature)
Real-Time
Inquiry
Account Metrics
DDA
Account Updates
Suspect
Review
©2014 CONIX Systems, Inc.
Payment
Systems
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Image
Archives
Fraud and Duplicate Detection – Batch Workflow
Mobile Capture
Federal Reserve &
Exchange Partners
RDC
Check
Capture
ACH
Automated payment processing
Cross-Channel Payment Selections
MICR Match
Automated elimination of false suspects
Suspects
Remove
Re-presentments
Fraud Controls
Image Analytics
Suspects
Automated suspect dispositioning
Business Rules &
Image Analytics
Business Rules
Suspects
Automated routing based on dispositions
Operator
Decisions
Confirmed
Disposition
Returns
©2014 CONIX Systems, Inc.
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Payment
Systems
Fraud
Check Stock Validation
Signature Verification
Fraud and Duplicate Detection – Real-Time Inquiry
Optional Processing*
Re-presentment Filtering
Teller
User-defined Filtering
Inquiry
ATM
Results
Detective
Database
Image Analytics
Suspect
Identification
Business Rule Decisioning
Other
Systems
*Availability of optional processes varies based on operating mode (full-service vs. inquiry only)
©2014 CONIX Systems, Inc.
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Cross-Bank Inquiry
Early detection of duplicates and fraud closes the gap between returns and fund withdrawals

Cooperative FIs inquire on each others’ duplicate databases to identify
suspects before presentment

FIs avoid losses and reduce adjustment costs

Potential for fee income from retail merchants, check cashers, and other
non-banking entities

CBI Switch provides management of communications between FIs
©2014 CONIX Systems, Inc.
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Sample
Cross-Bank
Inquiry (CBI™)
Batch
Workflow
Input
Transactions
Ingest
Owning FI
Presenting FI
Business Rule 
R/T Lookup
Exchange R/T
Items
Inquiry
Business Rules
& Filters
Presenting FI Suspects
Owning FI Suspects
Suspect Merge
Business Rule
& Filters
Suspect Review
Owning FI
Image
Archives
Presenting
FI Image
Archives
Export
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Sample CBI Real-Time Workflow
Bank B (Owning)
Bank A (Presenting)
Item Inquiry
Bank A DD/FD done
first. If not a
suspect(?)
And Not On-Us
CONIX Partners Table
Messaging
Service
Messaging
Service
CONIX Partners Table
Bank B’s Disposition
Code, External
Inquiry flag set
Messaging
Service
Business Rules
External Inquiry flag can
be tested. Along with R/T
value check, Bank B’s
code can be converted to
Bank A’s.
Messaging
Service
• Single transmission per UOW with all items drawn on Bank B. Use CCI with security through IIS.
• Items not ingested, simple inquiry on Database.
• Single return transmission with results of inquiry on all items sent.
• New functionality will be added to Business Rules to cover these external (cross-bank) items.
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CONIX Payment Validation Network (CBI Switch)
Single Switch
Bank A
Bank A maintains one
primary switch control
for communications
with member
institutions.
Bank C Inquiry
Switch
The switch maintains
controls for all of its
member institutions.
Bank C
Bank D
Bank D Inquiry
Bank A Inquiry
Bank A Inquiry
Bank B Inquiry
Bank B
Non-Bank
Bank B has a
agreement with
Bank A only.
 Each network member maintains one control for communications with the switch. This covers
communications with any other institution that communicates through the same switch.
 For institutions that choose not to use the switch, institution-level controls must be maintained.
 Switching services can be provided by a banking or non-banking institution.
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CONIX Payment Validation Network (CBI Switch)
Multi Switch (Primary)
Bank A maintains
one primary switch
control that is
normally used for
communications
with member banks.
Bank A
Inquiries that A sends to Switch 1 for Banks D
and E are passed thru to switch 2.
All Inquiries
Bank A Inquiry
Switch 1
Bank D Inquiry
Bank E Inquiry
Switch 2
Bank C Inquiry
Bank B Inquiry
Bank A Inquiry
Bank B
Bank B has a
agreement with Bank
A only.
Bank C
Non-Bank
Bank D
Bank E
 Each member maintains one control for communications with one primary and one or more alternate
switches. If one switch becomes inoperable, the members can use the alternate switch.
 All alternate switches maintain control for their own primary customers and customers of other switches
that act as primary for those same customers.
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TCMx/Server-Based Settlement
TCM Features
©2014 CONIX Systems, Inc.

Ingests and Groupings

Online Inquiry

Accumulator/Cell Editing

Entry Editing

Reporting

File Generation

EOD (Clear)

Holdover

Interface with Cashletter System/CLAS
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TCMx/Server-Based Settlement
Additional Features
©2014 CONIX Systems, Inc.

Item-Level Detail

Extract Function

Input Unit of Work Types

Input File Format

Timing of Feeds
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