Cashing a cheque (manual banking – no computer system)

Step User 1 – User 2 – User 3 –

# Account Checks & Controls
Holder or Clerk Officer
Representative
1 Submit cheque Signature on back,
ID card copy of amount
high
2 Receive cheque Account holder valid?
Verify cheque Special instructions? Verify
date, signature, balance, etc
3 Counter sign Verify cheque details
4 Balance Update Verify cash recipient
Make cash Date / Time Stamp the
payment cheque
Any end of day processing by clerk?

Process: Cashing a cheque (computerized branch)

Step User 1 – User 2 – User 3 – Computer

# Account Counter Senior System Checks &
Holder or Clerk Officer Controls
Representative
1 Submit cheque Signature on back,
ID card copy if
amount high
2 Receive Display Account holder
cheque, Information valid? Special
from Storage instructions? Verify
Verify date, signature,
cheque balance, etc
3 Counter Display Verify cheque
sign for Information details
from Storage
large
amounts
4 Balance Update Verify cash
Update , Information in recipient
Make cash Storage Date / Time
payment Stamp the cheque

Any end of day processing by clerk? … by the computer system?

Obtaining Cash from ATM
(no human from bank side, just using Central Software system)

Step Account ATM Software Central

# Holder (Log all events) Software Checks & Controls
(Log all
events)
1 Enter Card Card #and its bar coding
and PIN
2 Verify Card and Account holder valid?
PIN Special instructions?
Display Information from
Storage
3 Select or
Enter Amount
4 Verify Amount;
Send to central
Server and wait
5 Verify Card Account holder valid? Special
and PIN, instructions (“Hot Card”)?
send Reply Verify available balance
back to Update balance if all OK
ATM Update Information in
Storage
6 Present Card Ensure cash recipient is
back, Make present, appropriate
cash payment, messages for user;
Inform Central Date / Time Stamp the
Server transaction
7 Take Card, Update Log the event
Cash and Information
Receipt in Storage
Any end of day processing by clerk? … by the ATM and Central Server systems?

Who does What? Checks & Controls at each Step

Concept of Stored Information which is viewed and updated