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Innovative software platform for modern
banking
CANOPUS WEBbank 2.0

Who we are ?
• Canopus Software is a software development company
founded in 1992. We offer turnkey IT solutions for such
customers as banks, financial companies, payment service
providers, payment institutions and corporate treasuries
• For more than 20 years of work we successfully
implemented more than 150 projects for clients all over
the world (Russia, CIS, Europe, Asia)
• Our mission is to create a comfort IT infrastructure for our
customers

What we do ?
Based on the problems that our clients face, we offer a range of services :
IT solutions:
Software implementation
Integration with 3rd party providers
Related services (hosting, administration)
Assistance in registration of companies in different jurisdictions
Assistance in obtaining the necessary licenses, opening bank accounts
Consulting, assistance in development of business model
Professional services (accounting, hr)
Assistance in building relations with partners (internet acquiring, payment cards
providers, professional associations)

Our clients:
• Offshore banks
• Payment systems
• Corporate treasuries(in-house banking)
• Payment Institutions
• FX providers

CANOPUS FS – universal platform for financial
institution automation
CANOPUS
FS
CANOPUS
Treasury
CANOPUS
WEBbank
CANOPUS
EpaySuite
• All our solutions based on universal
platform CANOPUS FS.
• Platform Canopus FS™ is designed
to fully automate the business
processes of the modern financial
institution in the STP mode (Straight
Through Processing)
• CANOPUS WEBbank 2.0 – solution
for modern international banks,
which provides services to its
customers using the latest
technology.

Canopus WEBbank 2.0. Strong points.
• High adaptability to the requirements of a particular customer,
• Ability to quickly add new products / services without intervention of software
developers
• Multi-currency accounting system in real time mode
• Support for all major international accounting standards and exchange of financial
information, including: ISO8583, ISO20022, IAS30
• Open architecture
• Modern system of internal security and control
• Ability to automate all business processes in STP mode
• Multi-language
• Powerful built-in report generator
• User-friendly interface
• Modularity

Canopus WEBbank 2.0. Main functions:
Multicurrency accounting in the real-time mode
Business-processing STP automation
Calculation of tariffs
Interaction with banks and external payment systems
Reports generation
Control of limits
AML-compliance control
Automatic currency conversion

CANOPUS WEBbank 2.0 architecture
Accounts Entries
Clients Balances
Transaction engine
BP modelling
Documents Scenarios
SOAPAPI
WEBAPPL.MobileAPPL.
DBorientedAPI
OperatorAPPL.Admin.APPL.
Tariffs Limits Rates
Reporting

Opening of accounts for private and corporate clients
• System provides a function of online
registration of the clients on a
company web-site
• Ability to easily add new fields and
modify existing ones to meet
specific requirements of a
particular customer
• The registration and application
process is performed strictly in
accordance with the KYC
requirements.
• For that purpose the system enables
the mailing and storing of scanned
documents in the system.
• The system supports the procedure
for manual confirmation (activation)
of the customer's account only after
verification of the customer’s IDs .

Customer accounts top up
From external bank account
Via payment (debit and credit) card
Via money transfer systems
E-currency
Scratch card
The system provides various
types of funding: All accounts are multicurrency by
default

CANOPUS WEBbank 2.0
Interaction with banks
• System provides both
batch and online mode of
data interchange with
banks and external
payment systems
• Standard exchange
formats are supported:,
FidaVista, SWIFT,
MultiCash, etc;
• Online mode is available
with EP-direct
(EarthPort, UK), Norvik
bank , some payment
systems.
Data interchange subsystem

Payments
Intra system transfer
External bank wires
Invoice payment
Periodic payment (standing orders)
Own account top up
Commission is automatically calculated once the
customer has filled in the payment form.
If the currency of payment is different from the
currency of the account the system will automatically
perform the conversion.
System handles the following
types of payments:

Currency exchange
• Two main methods
• 1) Currency exchange on
the customer’s request
based on the agreed
exchange rate;
• 2) exchange through an
external provider(«active»
exchange). Data exchange
with an external provider
can be done both in batch
mode, and online mode (in
case of respective API)

Brokerage accounts
• CANOPUS together with its partners have
years of experience providing services for
brokerage companies
• We can provide additional technical
consultation and services in this field

What we suggest
• We can integrate our solution CANOPUS
WEBbank with your existing brokarage
system (SaxoBank)
• In addition to your existing solution we
can assist in setting up and maintaining
such trading platforms as
• UniTrader, http://unitrader.com/,
developed by our partners
• MetaTrader, http://www.metaquotes.net/

Mobile payments.
• Simplified WEB.
• Solution adapted for
smartphone based on web
application:
– Statements
– Balances
– Internal and external
transfers
– Currency conversion
• Native and cross-platform
applications for
IOS/Android:
– Account balances;
– Statements;
– Intra system transfers;
– Own accounts top-up;
– Conversion;
– Transfers based on
predefined templates;
– Bill payments etc
• SMS banking:
– Transaction notifications;
– Balance enquiry;
– Intra accounts transfer;
– Intra system transfers;

Mobile application (OS Android version)
Login Home page Statement period Account balance Internal transfer

Money transfers.
• Intra-system transfers
• Transfers through
external money transfer
system
CANOPUS
WEBbank 2.0

Cards issue
• Co-branded cards issue;
• Virtual cards issue;
• Own cards issue.

Cards handling module
• Order and activation of cards;
• Cards top up;
• Card to card transfer;
• Return of funds to the current account;
• Card blocking.

Report generation module
• Standard report
“Extended Balance Sheet”
• Customized report, using
report-generation module

Security
• CANOPUS WEBbank complies with modern security requirements of financial
information systems.
• The system incorporates a number of functions to prevent unauthorized access to data
from the client interface, as well as protects the system from insider threats :
– Storage of the most critical pieces of information in encrypted form;
– Logging all the activity for both the client and the operator;
– Multi-factor authentication;
– Access control differentiation;
– A special monitoring system for abnormal activity of both the client and the operator;
– The use of secure protocols and encryption of traffic

Client authentication and authorization of transactions
• System supports several
methods of transaction
authorization and client
authentication:
• Payment password;
• One-time password card
(scratch card);
• Pin code generator
(digipass);
• One-time sms password.
• End customer can choose the
authentication method by
himself.

Internal mail. Chat
• CANOPUS WEBbank has a system
of internal mail and online chat,
through which customers can
communicate directly with the staff
within the system:
– Send and receive text messages;
– Send and receive attached files
– Communicate in real time

Internal AML control system
• Checks against various black lists (OFAC, UK, EU etc);
• Limit control, automatic generation and processing of declarations of origin of
funds in the event of exceeding the specified limit;
• Control of abnormal activity that does not match the profile of the client
• Built-in notification system;
• Support of KYC-control and identification (verification) of the client;
• Setting of limits and available products based on client profile and level of
verification.

Our advantages:
• Flexible pricing policy and payment methods
• The optimum combination of functionality, reliability and cost;
• The scalability of the system. The possibility of a rapid launch of the new
financial products / services;
• Customization and configuration of the system in accordance with the
requirements of the customer
• High performance and reliability (up to 1000 transactions per second.)
• Low cost of ownership;
• Ready gateways with a number of providers of payment and financial services,
the possibility of rapid integration of new service providers.

How we work:
• 1) Project study: business process description, data structure description, tariff’s
structure description, limits description, etc.
• 2) Meta-data and handbooks creation;
• 3) Business process definition;
• 4) Handbooks definition;
• 5) Tariffs and limits adjustment;
• 6) Customization of gateways for Interaction with correspondent banks and external
payment systems;
• 7) User profiles and access rights definition;
• 8) Customer interface layout and menu structure adjustment
• 9) Integration testing, all business process emulation;
• 10) Dry run
• 11) System go live

New meta-document creation:
• Definition of the set of fields and
field types;
• Handbooks creation;
• Creation of linked fields;
• Adding of meta-document to the
system menu;
• Definition of the field labels for
operator and customer

Business-process scenarios creation
• All transactions in the system are
processed in accordance with
business-process scripts;
• business processes are created and
edited using a special graphical tool;
• Each document has statuses (large
squares in the diagram) that change
in strict accordance with the BP’s
script;
• Operator can push document from
one status to another accordance
with his permissions and BP’s script.

Adjustment of workflow to move documents from one status
to another
• You can to modify workflow inside using
method palette, including:
Entries creation;
Tariff calculation;
Currency exchange;
Black lists checking;
Limits checking;
Related document creation;
Sending of notification to customer or staff;
Report production (PDF, CSV, etc);
New client or account creation;
Introduction of custom SQL-code

Tariff calculation rule definition
• You can create various tariff
categories and tariff rules for
calculation of tariffs for each type of
transaction in the real-time mode
• Tariff rules can depend on the set of
parameters: currency, amount, date,
priority, etc.
• You can specify minimum and
maximum amount of the tariff,
percent or fixed amount for the
particular tariff.

Handbook adjustment
• Correspondent
accounts
handbook;
• Chart of accounts
• Currencies and
currency rates
handbooks, etc.

User profiles and permissions definition
• WEBbank supports
role-based
permissions model;
• For each role you can
create own profile
with available set of
modules, accounts,
operations, etc.;
• All users are linked
to a particular profile.

Workplace of operator. Outgoing wire transfers module.
• Operator process
all transactions in
one place. He can
see balances by
all correspondent
accounts on the
right side of the
screen
• He can modify
transaction only
if it is permitted
by the relevant
settings in the
user profile and
document script

Thank you for your attention !
Russia,
Moscow
6 Serebrykova proezd
+7 495 984-96-82
www.canopuslab.ru
CANOPUS
Innovative
Technologies
Andrey Chukhlantsev
Managing Partner
«Innovative Business Solutions"
10613, Estonia, Tallinn, Madara 33
GSM.Moskow: +7 903 977 24 21
andrey@naumobile.ru
Skype: andrey.naumobile

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Canopus web bank

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