1. Healthcare

About us
TURNKEY SYSTEMS s.a.r.l is a leading software house
in Lebanon that was established in 1988. TURNKEY
SYSTEMS specializes in retail banking and large corporate
business application integration. Currently our banking,
financial & retail applications are running in various banks
and around 40 corporates. Turnkey Systems s.a.r.l currently
operates in Lebanon, Jordan and Cyprus.
Our technical staff today numbers 25 highly trained
Project manager/developers who combine higher education
with experience. In addition to the technical staff, we have a
team of six administration employees and an IT security
officer.
Turnkey Systems s.a.r.l has been ISO certified since
2004. Currently our establishment is ISO 9001:2008 Quality
Management Certificated for IT Development. Currently we
are registered to obtain the ISO 17799 Certification regarding
IT Security; we expect to fulfill the certification requirements
during the second half of 2015.Our main GUI development
platform is Sybase PowerBuilder. Our Web Development is
platform is Microsoft Silverlight. Within our staff we have two
certified CITRIX administrator to insure the compatibility
between our applications and the deployment of CITRIX
environment for centralization or Web deployment.
TURNKEY SYSTEMS services falls basically into four
categories:
-
-
System Integrators: Offering consultation covering
requirement studies, hardware specifications, tendering
and selection, design of organizational procedures and
workflow re-engineering.
Application Development & Implementation of turnkey
software applications.
Wide Area Network design, implementation and
commissioning.
IT outsourcing for banks and large companies.
Currently we are running 3 IT sites.
Turnkey Systems sarl – Copyright 2014 - Confidential
IBank® Core Banking
IBank® is a state of the art next generation core banking /
branch automation solution. It is designed from ground to
incorporate the most up to date technological advances with
ease. Regulatory and compliance requirements are centric to
IBank® core design.
Overview
Multi-Lingual: IBank® is fully multi-lingual. All interface
screens, reports and notifications can be utilized concurrently
in both “Arabic” and “Latin” allowing the bank to better serve
and accommodate a wide variety of clientele.
Advanced User Security & Administration: IBank®
security and administration functionality is available in two
modes, “Native Client Mode” and “MS Active Directory
Integration Mode”
Business Process Execution Workflow (BPEW): IBank®
embeds a proprietary built in multi-level workflow process for
authorization and approval of “Business Logic Centric Tasks”.
Workflow processes can be defined based on variety of criteria.
Data Integrity / Security Watermarks: Data records are
watermarked with a 256 bit encrypted token to prevent data
tampering. Sensitive data encryption ensures blind “SQL”
data retrieval.
Sensitive Data Cloaking: Clients sensitive data and
transactions can fully cloaked to normal users. Viewing of such
accounts is on need to know basis and with a security access
clearance.
Turnkey Systems sarl – Copyright 2014 - Confidential
Advanced Reporting: All reports and printouts throughout
IBank® are produced concurrently in a multitude of formats
covering (MS Excel, PDF, Screen Viewing, Physical Printouts
and CSV). Moreover our green reporting approach allows
reports to be distributed via email to recipients.
Multi-Channel Integration: IBank® inherently supports
multiple channel integration (Mobile Banking, Internet
Banking, WAP banking, SMS Push-Pull, ATM Connectivity
(ISO 8583 & CR2), Oracle CRM). All external channels are
managed via our IBank® E-Gateway module thus offering
easy integration across the enterprise.
Advanced Host Connectivity: IBank® third party and
legacy core back-end integration connectivity is achieved by
incorporating a data connectivity layer that is designed for ease
of communication via a variety of protocols.
Open Data Access : IBank® is database independent. In
order to preserve clients data infrastructure investments, our
applications are designed utilizing strictly “ANSI”
compliance. Whether the client is using “Oracle™”, “MS
SQLSever™”, “IBM Informix™” & “MYSQL™”. IBank®
will function effectively in any combination of the listed
databases.
Virtually Ready: Nowadays “Virtual” is the buzz word in
application deployment. IBank® is fully operational in a
variety of virtual environments (VMWARE, MS Hyper-V &
XEN).
Thin Clients : IBank® fully certified to operate under Citrix
& Web-Citrix.
Turnkey Systems sarl – Copyright 2014 - Confidential
Connectivity
Advanced Host Connectivity: Core Banking & 3rd party
integration can be achieved by incorporating the optional ETL
plug-in layer that is designed for ease of communication via a
variety of protocols:
v
v
v
v
v
JSON / REST
ODBC Connectivity
XML / WSDL
CSV / FLAT / MS Excel Files
SWIFT RJE/DOS PCC Format
Virtually Ready: IBank® is fully operational in a variety of
virtual environments (VMWARE, XEN, HYPER-V).
Thin Clients: IBank® fully certified to operate under Citrix
& Web-Citrix.
Supported Database Platforms:
v MS SQLServer 2008 R2
v IBM Informix 9.X, 10.X & 11.X
v Oracle 11g and Later
Supported Server Platform:
v
v
v
v
MS Windows Server 2008 R2
SLES 11
Oracle Linux 6
Redhat Enterprise 6
Supported Client Platform:
v MS Windows 7 Professional 32 bit & 64 bit
v MS Windows XP
v Windows 8
Turnkey Systems sarl – Copyright 2014 - Confidential
IBank® Global Features •
•
•
•
•
•
•
•
•
•
•
•
•
Retail and corporate banking
products support.
Full
Bi-lingual
Interface
(Arabic / Latin) for all user
screen & reports.
Integrated / easy to use
Business Process Execution
Workflow (BPEW)
Centralized / Decentralized
Implementation
Modular
Application
deployment
for
easy
integration
Multi-Lingual
Multi-Region
Multi Currency
Support server and client
Virtualization (VMWARE &
Hyper-V, XEN).
Open
Standards
based
architecture.
Database Independent
Enhances client & customer
experience.
A wide variety of back office
modules.
Turnkey Systems IBank® is specifically designed to meet
this challenge in an ever changing landscape. It is designed
from ground up based on open standards in order to facilitate
the migration from “legacy systems” to the new era of efficient
“customer acquisition” oriented Banking.
IBank® is designed as a multi-channel highly secure
environment that spreads across the entire enterprise. Whether
the applied model is centralized, decentralized, multi country,
multi lingual, IBank® application can accommodate any
business architecture.
“Business Process Execution Workflow” or BPEW is
implemented throughout all modules allowing for thorough
business process control and reporting. Our proprietary
“Business Process Workflow” engine is designed to span
multi-locations.
“Integrated Document Acquisition and Archiving” is an
integrated document archiving feature in all
IBank®
modules. All documents are stored within the database for
faster access and more comprehensive backup.
IBank® “Flexible Forms Manager” allows the banking
enterprise to design in a WYSIWYG all client vouchers,
contracts, documents etc. in both Arabic & Latin.
Banking & Financial institutions are facing escalating
demands to achieve customer base growth while keeping up
with national banks and international bodies regulatory
requirements. Banking Systems must accommodate these
challenges in a functional, administrative and technical
manner.
Database Independence - IBank® is designed to achieve
database independence, thus preserving the client’s investment
in data infrastructure. Whether the client opts for Oracle™,
IBM Informix™, MS SQLServer™,
MYSQL™ our
application will run smoothly even in a deployment mixture of
the afore mentioned database products.
Turnkey Systems sarl – Copyright 2014 - Confidential
•
•
•
•
•
5*8$;,B)%C$%6
+&,(-.-/(*01&
!22,&&
3,4$%$'$*%
3)')5)%)6,#,%'
73$&'($80',"-9:,%'();$<,"=
13#)&%3:'
(9@%2#'.(('
='!J0
F97%,#*-)3:'
!3#@8-'
()*)+#,#*-
!28#*-'
K8H)82-8#&'
()*)+#,#*-'
L*-8'M (9*#:'
K)%*@#38*+'
(9@%2#
!#*-3)2';)*<' C-)+8*+'L3#)'4'
B#G93-8*+'
FNO'
()*)+#,#*- ()*)+#,#*(93-)+#&'='
!922)-#3)2&'
()*)+#,#*-
!)3@'
()*)+#,#*-
F,8-5*8$;,B)%C$%6
G%',(%,'B)%C$%6
@5@-?0&H-9?0;;
!D5-G%',(4)2,
D()%&)2'$*%-E%6$%,-
1!J'4>J
NCFK'4'6(K
LFA
CN>51
O1(K
AF;!
>1,()'$*%);?)()#,',(&3,4$%$'$*%
A,')$;----B)%C$%6
•
•
Modular Architecture
Advanced Integration Layer
Highly Secure
Security
Watermarks
on
records for fraud detection.
Extensive Logging.
Easy Integration with Back
Office Systems or Legacy
Systems.
Extensive Web Services
Library for “Third Party
Application” integration
including Accounting
Transaction Registration
Flexible Menu design by
group or user.
AES 128 + Three Level Keys
verification for all Delivery
Channel Transactions.
Loosely coupled modules for
easy implementation.
Ability to add user-defined
fields with user defined
validation rules.
!"#$%$&'()'$*%
•
•
•
•
Architecture: :*(,-------B)%C$%6
IBank® Design Architecture @')6$%6-!(,)@,'01
5,%0-9-5*"0;,&5)%)6,#,%'
PQ!'='!28#*-'
B8&<'
()*)+#,#*-'
J397#&&'
N93<E29?'
F#E8*8-89*
1#22#3&'4'
!)&"'4'56
5%*7-89*)28-:
!"#$%#&'
()*)+#,#*-'
./!!0
;)*<#3'
!"#$%#&'='
1!&
>*?)3@'='
A%-?)3@'
B#,8--)*7#&
C8*+)-%3#'
D#38E87)-89*'
(9@%2#
C-)*@8*+'
A3@#3&
()*)+#,#*-
1#3,'
F#G9&8-&'
(9@%2#
F9,87828)-89*'
='F83#7-'F#H8()*)+#,#*-'
C)E#'F#G9&8-'
;9I#&'
()*)+#,#*-
;822&''4'
>*&%3)*7#'
J):,#*-
F8&79%*-'4'
!9,,#378)2'
;822&
K9)*&'
()*)+#,#*-'
(9@%2#
Turnkey Systems sarl – Copyright 2014 - Confidential
Users Security & Control IBank® Core provides an exceptional degree of security,
application access control and users management. Modules are
accessed via a single entry point system, thus eliminating the
ability to access the package form different entry points, to
avoid weakening functional security. Users management and
control functions are completely parameterized and menu
driven.
ü
ü
•
•
•
•
•
ü
ü
ü
Extensive User Access Control Security. Secret Encrypted Watermark on all records. Native or Active Directory User defined password policy. All Account Names are 256 Bit encrypted. Illegally modified records will lock automatically involved accounts and initiate escalation process. ü
ü
ü
ü
ü
ü
Unique user login code.
Active Directory integrated authentication & policy
profiles.
Active Directory single sign on integration.
User Name Encryption (256 bit).
Computer Locked Access Control (One User / One
computer)
IP Locked Access Control (One User Predefined IP
address)
Functional Group Definition (both Local & Active
Directory)
Multiple Group Access per User
Departmental access.
Holidays Calendar for application access control
User Task redirection in case of unperceived
absence(Within same group)
Administrators can assign new users to predefined security
levels groups as set by management. This highly flexible user
security management module allows the bank to modify and
enhance its security hierarchal structure as the need arises.
Turnkey Systems sarl – Copyright 2014 - Confidential
Security Logs User activities are logged and recorded in detail. Generated logs are span in detail user activities based on the following criteria: Ø
Ø
Ø
Ø
Ø
Ø
Ø
User Access code. Operation date. Operation time. Modules accessed Programs accessed Programs Option requested Modification undergone on a file. The security logging provides a detailed description of every activity performed from within Turnkey Systems applications This feature can be complemented by a comprehensive set of reports and queries to provide a tight control over the whole application, thus providing the administrator with a real time, up to date information concerning system users and their various activities. Integrity Control -­‐ All records, Operations, Historical Transactions, Generated Accounting Transactions are protected utilizing a 256 bit embedded encrypted Token, any attempt to modify any field utilizing SQL language or trying to bypass IBank® in updating any record will immediately De-­‐
activate the modified account and transmit a notification message to the “Security Officer”. By adopting such an approach, a strict control over the security of Client records is maintained and all databases will be hermetically sealed against internal and external hacking. Maker / Checker Approach – All user activities and functionalities follow the Maker/Checker approach. Turnkey Systems sarl – Copyright 2014 - Confidential
Business Process Execution Workflow:
IBank® BPEW •
•
•
•
•
•
•
•
“Business Process Execution Workflow” BPEW is
implemented throughout our IBank® modules. Our
proprietary “Business Process Workflow” engine is designed to
span multi-locations. Advanced WYSIWYG functionality
workflow definition and deployment. BPEW functionality can
be fully integrated with IBank® Notifications module.
Business Process Execution Workflow proprietary Engine. User selectable criteria. GUI Workflow Processor Modeling. Implemented throughout all modules. Unlimited Workflow Processes definition. Workflow Viewer functionality (locate process within Workflow streamline). Documents & Reports can be attached to workflow cycles. Multi-­‐Location / Multi Sites functionality. Turnkey Systems sarl – Copyright 2014 - Confidential
IBank® Notification
Module
IBank® Notification module, is a cross functional facilities
that can be utilized for customers notifications via any of the
following delivery channels:
•
•
•
•
SMS
E-Mail
Mobile Banking (Optional Module)
Physical Media (Printouts).
Notifications are classified into three categories that cover all
aspects of banking.
•
•
•
•
•
Utilizes
Multi-Notification
Channels.
Advisory Notifications.
Promotional & Marketing
Notifications.
Transactional Notifications.
Chargeable
Notifications
Services
Ø Advisory Notifications :
• Payment Reminders with user set criteria.
• Late Bill / Loan payment.
• Receipt of inward remittance.
• Execution of a standing order.
• Deduction of a Direct Debit payment.
• Stock Prices Alerts.
• FX Currency Rates Alerts.
• E-Statement / Mini Statement.
Ø Transactional Notification:
• Notification based on customer selected
transactions
o Cash.
o Collected cheques.
o Paid cheques.
o Executed outward Remittance.
o Transaction
exceeding
predefined
threshold.
o Low Balance Threshold Notification.
Ø Promotional & Marketing Notification:
• Based on client selectable criteria.
• Focused Marketing.
• Promotional Marketing.
• Market Segment Targeting.
• Age Group Targeting.
Turnkey Systems sarl – Copyright 2014 - Confidential
Standing Instructions
IBank® Standing Instruction Module “Payment Services”
module comprises advanced functionality allowing the bank to
better server their clientele by automatic a large set of mundane
tasks. “Payment Services” is made up of three major
components.
(Payment Services)
v Standing Orders Component that automates the
following tasks:
o Inter-account replenishment (same customer).
o Inter-account replenishment
- F/X (same
customer).
o Automated Installment Payment (Loans/Bills)
o Automated Transfers (inter-bank clients).
o Automated
Transfers
(via
Remittances
Module).
o Automated Client Notifications.
v Direct Debit Component (Domiciliation of Bills /
Revolving Credit Card) that automates the following
tasks:
o Handling of automated or manual bills
presentment.
o Continuous “Automated Revolving Deduction”
performed until the Direct Debit payment
expiry date.
o Automatic charges transaction generation.
o Automated Client Notification of covered bills.
v Bill Payment Components is designed specifically for
countries with an advanced e-payment gateway.
Clients not participating in the “Direct Debit” service
can utilize upon their discretion this service to pay by
utilizing any of our “Delivery Channel” or the
“IBranch® Teller Service”.
•
•
•
•
•
•
•
•
•
•
Cover Direct Debit, Bills
Payments
and
Standing
Orders.
Inter Account replenishment
instructions.
Multi-Currency
replenishment operations.
Flexible easy to use structure.
Third Party bills payment.
Utility bills Payment.
Bulk operations.
Execution Notification.
Automatic charges
computation.
“Automated Revolving
Deduction” feature.
Turnkey Systems sarl – Copyright 2014 - Confidential
Client Management-­‐KYC Know Your Customer functionality in banking applications is
becoming a highly sophisticated task. Our main aim was to
facilitate the task of Customer Relationship Officer as much as
possible. With our KYC module you can start with the data set
already existing in your current core module and populate
more data fields in a gradual manner. KYC data fields can be
set by administrator as mandatory / optional or blocked.
Compliance Monitoring is embedded within our KYC module,
administrators can define multiple list of checking (OFAC,
UN, National Central Banks, Black List etc) in both Arabic
and Latin.
•
•
•
•
•
•
•
•
•
•
•
•
•
Extensive Data by Account
Type.
User activated data fields
whereby fields can be labeled
as mandatory / optional /
blocked.
Full Arabic / Latin Interface.
Detailed Family Data (for
individuals).
Grouping of Accounts.
Detailed Shareholders
Financial data for commercial
and corporate clients.
Documents acquisition and
archiving.
Administration defined
approval workflow.
Integrated real time
compliance list monitoring.
Arabic / Latin compliance
list monitoring.
Ability to add user defined
“FLEX FIELDS” with user
defined business logic
control.
Integrated with the
“Signature Verification
Module”.
Up to 10 addresses per
account for segregation of
mail distribution.
The KYC module utilizes our Workflow Engine to automate
the accounts approval process based on any of the following
criteria:
Ø
Ø
Ø
Ø
Ø
Ø
Account Type (Individual, Company, Govt.
etc).
Account Sub type.
Market Segment.
Compliance Status.
Documents status.
User
Document Management is fully integrated. The KYC module
will notify the Customer Relationship Officer with the required
documents and their classification for each type of accounts,
scanning and archiving documents is performed at the
Customer Relationship office level. Throughout the workflow
all documents can be reviewed and validated by subsequent
officers prior to approval.
Turnkey Systems sarl – Copyright 2014 - Confidential
Customer Liabilities
Management
(Loan Origination)
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
Designed to handle Retail &
Corporate Liabilities.
Integration with IBank
Credit Scoring for retail
products/SME products
(Optional)
International Credit Scoring
Products Connectivity
(Experian / Fair Isaac).
Historical Behavioral
Scoring from past products.
Policy Rule Engine for all
types of offered facilities.
Extensive Collateral
management with coverage
ratios.
Per product Documents
acquisition and archiving.
Product Contract Printout.
Product Charges ,
commissions, interest rates
definition.
BPEW implementation with
approval committees.
Integration with “IBank”
Retail module:
o
Discounted Bills.
o
Retail Loans.
o
Credit Cards.
o
Housing Loans
(HELOC).
Client Portfolio
Management.
Historical data preservation
for approved & denied
requests.
Historical application
preservation for noncustomers.
Black Lists / Compliance
Lists validation for noncustomers
Turnkey Systems sarl – Copyright 2014 - Confidential
Loans /
Discounted Bills
•
•
•
•
•
•
•
•
•
•
Retail Loans & commercial
loans.
Advanced Loan/Bill
Calculator.
Discounted Bills.
Flexible Calculation Methods.
Flexible Installments.
Re-Scheduling of Loans.
Re-Scheduling of Bills.
Integrated connectivity to
“Customer Liability
Module”.
Easy to Use intuitive
interface.
Delay Interest computation.
IBank® Loans / Discounted Bills is a modular application
designed for banks and financial institutions. This module is
tightly coupled with the “Customer Liabilities Module” for
quick customer turnaround approval.
Flexible, parametruc product “interest, “commission” and
“charges” calculation method. Each product can have multiple
calculation methods set by the client. Both fixed and variable
interest rates are supported.
Advance installment methods that can handle regular and
irregular installment requirements i.e.
Specific day of month (Second Tuesday).
Specific date of month.
End of Month.
Quarterly, Semi Annually, Yearly.
Combination of regular and irregular installment for
same products (i.e. Monthly installment + 5000.00
USD on every 15th of June.
Ø Flexible capitalization methods
Ø
Ø
Ø
Ø
Ø
Innovative automatic Loans / Bills “Rescheduling” engine,
whereby the original Loan / Bill is kept intact and newly
generated installment schedule is generated with direct link to
the original one for legal purposes.
Historical payment performance data is stored within the
module for tracking installment delay profile for the customer
in addition to delay interest ratios to charged interest.
Turnkey Systems sarl – Copyright 2014 - Confidential
Document Management Document printing, management, scanning and archiving is
integrated within IBank® Core . Administrators can define
the documents required for any operation and classify them as
mandatory , secondary or optional. Document requiring
control such as “Passports “ , “ID Cards”, “Driving License”
etc are automatically handled and required data is stored for
expiry / renewal notification.
Documents are also handled for Documentary Credit Module,
Loans Module, Bills Module, and AML Module.
Document Libraries with “data substitution feature” in both
Arabic and Latin can be built to automated all contracts, client
letters, client notifications, legal letters etc. No need for Office
Suites or any additional product.
Document handling
functionality is built in within all of our modules.
Moreover document expiry reminders are maintained and
generated automatically with IBank® Notification Module. Turnkey Systems sarl – Copyright 2014 - Confidential
Advice Processor IBank® “Advice Processor” is the heart of both the retail and
corporate banking modules. The “Voucher Processor” offers
exceptional functionality and flexibility, thus allowing the
banking enterprise to roll out and deploy new services and
functionality in a flexible and timely manner.
(Loan Origination ver.) •
•
•
•
•
•
•
•
•
•
•
Advanced “Voucher
Definition Processor &
Generator” utilized by all
IBank® modules.
Vouchers are defined based
on “Module Ownership”.
Voucher can be defined as
“Entered” or “Generated”.
Automatic Inter-branch
transactions generation.
Multi-Currency Operations.
Multi-Branch Operations.
Charges & Commission
formulas management.
Voucher Entry Form is
WYSIWYG definable.
Output Voucher Print Out
Form is WYSIWYG definable.
Arabic / Latin Interface.
User definable Business
Rules.
The “Voucher Processor” can handle any type of transactions
required by the bank i.e. Multi-currency, multi-branch, F/X
operations etc.
The “Voucher Processor” embeds a sophisticated accounting
transactions
generator & validator allowing for evaluating
and testing generated accounting transactions through
simulation ahead of “Voucher” deployment.
Customizable “Informative Cubes” can be attached to
“Voucher” entry screen for easy information display.
“Informative Cubes” are IBank® proprietary advances
features whereby upon entering the account number or IBAN
number of the customer informative data is instantaneously
displayed in three specified cubes on the right hand of the entry
form. These “Informative Cubes” can contain the any of the
following information:
v Account Balances (Ledger, Available & Cash)
v Account Liabilities (Facilities utilized).
v Account Documents (any set of previously
stored documents).
v Account Signature.
v Loan Status.
v Bills Status.
“Voucher” entry forms
Bi-lingual (Arabic / Latin)
WYSIWYG user definable functions. The “Voucher Processor”
will generate a default “Voucher” entry form after which the
user can “Click”, “Drag”, “Change color”, “Change font”,
“Embed Pictures”, “Insert Logos” etc.
The “Voucher
Processor” will provide the user with a full preview on how the
final entry form outcome will look and feel ahead of
deployment. “Voucher” Output forms are handled utilizing
the same methodology applied to the “Voucher” entry forms.
Turnkey Systems sarl – Copyright 2014 - Confidential
IBank® embeds an advanced reports processor allowing for a
highly flexible generation criteria, output criteria and output
formats. All output reports are produces in any of the following
formats:
Advanced Reporting •
•
•
•
•
•
Advanced reporting functionality. Multiple Output Formats (MS Excel, PDF, Screen Viewing, Physical Output) Multiple Output Media (A3, A4, US Fanfold) Automated Distribution List (via Email). Automatic Archiving Feature. Manual & Automated production capability (via Batch Processor). MS Excel format (.xls). (Both report format and
raw columns).
PDF format.
Screen View format.
Physical Printout (A4).
Produced reports can be automated and linked to a user defined
distribution list. Reports can be generated in “PDF” format
and distributed via email.
Efficient Green Reporting
All reports can be viewed in an online manner, in both native
and PDF formats.
Turnkey Systems sarl – Copyright 2014 - Confidential