Flux

PayDirect
End to end platform for India
NACH

www.evolvussolutions.com
 Agenda
www.evolvussolutions.com

About Evolvus
Credentials in payments
Overview of Flux Payment platform
NACH Requirement & process flow
Mandate Management
Flux PayDirect Features
IndusInd Bank Case Study with H2H

2 Evolvus Solutions. Proprietary and Confidential, do not copy, duplicate or distribute

 About Evolvus
www.evolvussolutions.com

Offering & Expertise The Right Partner Key Customers

Risk Management, Payment Solutions company

and Business Process focused on Risk,
Automation Payments and Process
COMBAT: Risk automation in Banking.
management framework
for Fraud Detection, AML Healthy financials and
and KYC Screening, profitable since
Payment Filtering, IP inception.
Scanning, Case
Management and Focus in Africa, Asia
Regulatory Reporting.
Pacific, Middle East &
Flux: Image and Non- Europe
Image based Payment hub
compatible to SWIFT, World HQ in Bangalore,
RTGS, ACH systems, SEPA,
India
Liquidity Management.
Mantle: Core Banking 75+ banking technology
front-end suite professionals
Solutions: Data Migration
and transformation,
Testing, Verification &
Validation, Consulting

3 Evolvus Solutions. Proprietary and Confidential, do not copy, duplicate or distribute.

 Credentials
www.evolvussolutions.com

Migration to new Technology Platform,

1 Hong Kong RTGS Migration (HKICL) Message format

Implemented 2009 with Mandate

2 Mantle Direct Debit management, for National Electronic
clearing system

NFC based payment processing platform

3 Financial Inclusion Platform with RFID smart cards & integrated
biometric authentication system

EmiratesNBD and AL MASRAF benefit

4 Combat Risk Management Platform from Evolvus, Combat Risk Management
Platform

Implemented 2012, for UAEDDS UAE

5 Flux PayDirect for UAE Direct Debits Direct Debit

Implemented 2013, for India ACH

6 Flux PayDirect for India NACH

Migration from EQ3 / FNS to Finacle

7 Legacy Core Banking Migration 10.x- ENBD UAE, IndusInd Bank

IPO processing platform interfaced with

8 Mantle ASBA stock exchanges in India, Implemented
9+ banks

4 Evolvus Solutions. Proprietary and Confidential, do not copy, duplicate or distribute

 Platform
Overview
www.evolvussolutions.com

Flux PayDirect
Enterprise platform for Integrated payment
processing
 Features - Enterprise Payment
Processing Platform www.evolvussolutions.com

Single platform enterprise to process Non Image / Image based payments.

Future Ready , support ISO20022 as native format

Multiple Gateway Enablement through plug in adapters RTGS, NEFT, ACH, IMPS ,
SEPA, SWIFT

Multiple Banking System interface CBS, Trade Finance, Treasury, Channels

Elastic scalability, SOA architecture and Straight Through Processing

Liquidity/Cash flow Monitoring / tracking real time

Cross channel view , ability to track messages status in real time

Automated exception handling / repair, Real time routing of exceptions.

Channel agnostic , centralization of payment processing on reusable workflow

Multiplatform compatible Reduce TCO

6 Evolvus Solutions. Proprietary and Confidential, do not copy, duplicate or distribute

Integrated Flux Reference
Architecture
www.evolvussolutions.com

NAC
ACH
H
ISO20022

7 Evolvus Solutions. Proprietary and Confidential, do not copy, duplicate or distribute

Core Banking Interface options Availability

Interface Options CBS Interfaced

Web Service Finacle 10x IndusInd

RPG Program bank, ENBD
Direct API calls Flex Cube Syndicate
MQ Bank, Karur vysya
Mysis EQ3 Indusind
Socket based
Bank, ENBD UAE
File based
Infrasoft Nutan
ISO /swift message
Nagarik sahakari bank,
based TJSB
Legacy systems BOA
ISO8583 based AMCO
bank
T24 MQ based, NBF
UAE
Evolvus Solutions. Proprietary and Confidential, do not copy, duplicate or distribute
Advantage Offline v/s Real Time
Offline ACH
Manual Processes for:
- Downloading & uploading of NPCI files
- External tool to encrypt /Decrypt files
Multiple machines & machine specific
encryption tooling
People dependent process , security risk
Requires Class II certificates per user
High risk of downloading same file by multiple
user at multiple time.
Continuous checking /monitoring required for
incoming files on website.
Manual management of mandate at Banks side
Ops has to manually ensure that response is
provided to NPCI within predefined cutoff
11
H2H Real time
Automated STP process between NPCI and
Bank
Work with single Class II certificate
Automatic encryption / decryption of files
File will be validated and directly posted to
core banking system
Automatic management of return /
confirmation process & related cutoff times.
High level of visibility of end to end file
exchange process through Evolvus
application.
High operational efficiency , security &
greater control.
Deployment for NACH
CBS Finacle10

Application/WebServ
Connect 24 er
NACH Offline
web
Terminal

SVS

Flux NPCINET

Zafin
Centralized Charging
PayDirect
DB Servers
system
H2H-
Iworks /DMS
SFTP NACH
Secure &
Encrypted

Mandate Capturing
stations across the
branches Exchang SM
Digital
Signature e server SC
system
 Flux
PayDirect
www.evolvussolutions.com

India NACH Requirement &

Processing
NACH Requirement

Originator Mandate ACH Payment

Processing Processing

Originator master data Outward Mandate Outward payment file

with Utility code
Originator account details
Originator specific
Charges
Originator processing end
to end
Originator specific
Reporting
capturing & processing processing
Inward mandate
Inward payment file
verification & processing
Mandate image processing
management Outward/ Inward Return
Support NPCI Mandate processing
form capturing (.jpg/.tiff) Support NPCI file formats
Support ISO20022 for NACH DR/CR, ABPS,
messages for mandate EBT
processing

14
 Flux
PayDirect
www.evolvussolutions.com

Mandate
Management
Our capabilities

1
Existing CTS can be used for mandate scanning

2 Flux PayDirect will be integrated with the existing signature system of

the bank for mandate processing

3 Existing mandates from CBS can be migrated to the Flux mandate

management and the vice versa is as well doable

16
Mandate Processing Workflow -
Individual

STP
2 Host to Host
5
Uploads iWorks
1 Mandate - 4
Creation,
Update, 3 6
Cancellation STP- H2H
File Mandate
Acceptance
Reports Validation &
7 Generation of
UMRN
Sponsor
Bank
Originator
informed
8
about the
Branches Walkin mandate
Mandate initiation creation by
his customer

Acknowledg Flux
9 ment of PayDirect -
mandate Mandate
sent back to
Originato Sponsor
Managemen
r Bank t
Mandate Processing
Workflow - Bulk

Uploads 3
Mandate -
2 Creation, Update,
Cancellation File

4 STP
Host to Host

Sponsor Mandate status report 5

Bank sent back to the
originator
8
Bulk
Manda
te 1 9 6
initiati STP- H2H
on Mandate
Acceptance
Reports
Provides the
bulk
7 Validation &
Generation of
Response from NACH UMRN
mandates to Flux PayDirect - sent back to Sponsor
his bank Mandate Bank
Management

Originat
or
Mandate Registration
Workflow

1 Customer signups for the mandate registration with his

service provider

Service provider informs customer on the status of mandate

registration 1
Custom 0
er 5 Service
Custom
Bank validates the
Provider
er
customer name and Service
9
confirm
s the
account numbers and 2 Provider Bank sends
informs the customer sends all the mandate status
mandat
about the mandate mandates to report back to
e 6 creation NPCI validates & his Bank for the service
Generates UMRN. Send Bank sends process
processing provider
4 the UMRN to the Payee 3 and validates all the
Bank along with the mandates and sends
mandate them to NPCI

Bank acknowledges
the mandate and 7 NPCI sends the UMRN 8
and the payee bank Sponsor
Payee responds back to NPCI acknowledgement to the Bank
Bank sponsor bank
 Flux
PayDirect
www.evolvussolutions.com

Product Features
Additional Product Key Features

Web based Future Ready Image based Real time monitoring

Multi Device PACS / PAIN series Mandate -
browsing for payment & management Payment flow status
Multi browser mandates User friendly Split UI Cashflow Status
support NACH / NGRTGS Multiple scanner Liquidity status
Ready compatibility Services status
Signature display

HTML5 Mandate
ISO20022 Ready Dashboards
compatible Management

Authorisation Who? System Rule Selection of event

workflow with maker When ? Operation Rules for alerting
/Checker What ? user SMS / Email
Authorisation note Audit report Rule based routing & template
history payment wise filtering configuration
Multilevel Payment hold / auto SMS Alert
authorisation return Email Alert / Advice

Rule based Event Based

Authorisation Audit Control
Routing Alerting

21
Product Key Features.cont.

For value dated Auto collection Auto payment For ACH Encryption /
transactions processing for return collection decryption
Auto storing and ACH Based on payments , across all
presentment Loan/Finance / validation status Return due to channels
Card Auto reason fund /connections
code mapping Based on no Class II /III
Auto reattempt certificate
Warehouse Auto return Auto SHA
Crypto
Collection
processing Processing Reattempt Checksum
Triggering

For all payment Charge For ACH Reduce TCO Multiple Host
types maintenance Mandate status OS AIX/Linux / interfaces
Across Auto charge ACH payment Windows Multiple gateway
origination host collection for status IBM WAS / Jbosss SSO login ready
& getaways / payments Statement / Sql Server / Any CMIS
settlements Auto invoice Invoices Oracle / DB2 compliant DMS
system generation Auto Any scanner
Auto Billing
Processing/Retur Multi Platform
Reconciliation Origination Interfacing
Web service
/Charging compatibility
n charges reporting enabled

22
Typical Process Workflow
www.evolvussolutions.com

ISO20022

RTGS
NEFT RTGS
ACH / NEFT
Mandate ACH
IMPS

23
 Flux
PayDirect
www.evolvussolutions.com

IndusInd Bank Case Study

with H2H
IndusInd Deployment for
NACH
Loan CPU - Chennai MCCC N.Point
CBS Finacle10

Connect
24

SVS

Application/WebServer

NACH Offline
web
Terminal

Zafin
Centralized Charging
system H2H- NPCINET

Iworks /DMS
Flux PayDirect SFTP
NACH
Secure &
Oracle DB Encrypted
Server

Mandate
Capturing
stations across
Digital Exchang SM
the branches e server SC
Signature
system
IndusInd Bank Key Integration & Project
KPI

IndusInd Project KPI Key Integration set up

Seamless operations across all 500+ Core banking - Finacle
Branches , CPU & Centralized Signature system Finacle SVS
Clearing Cell Document management system &
Minimize cost by using existing scanning station across the branches
scanning and document management Host to Host with NPCI
infrastructure Charging Engine
Minimize effort towards branch Corporate banking Direct Corporate
training Access (to be done)
Automated and secure processing of
mandates and files
Straight through transaction
processing across for our Corporate
customers
Significant saving in infrastructure &
26 third party cost
Infrastructure requirements

Hardware Parameters Minimum Specification

Processor Quad Core
Chipset Intel
Processor Speed 2.6GHz or above
Cache Memory Minimum 4 MB 8 MB L2 Cache
RAM 16 GB upgradeable to 32 GB
Hard disk Drive Type SCSI
Hard Disk space 500 GB x 2

Software Details Option 1 Option 2

Windows 2008 Enterprise Server or
Operating System Unix/Linux/Sun Solaris
above
Jboss or Tomcat or Websphere 6.1 /
Application Server WebSphere 6.1 or higher
higher
MS-SQL Server 2008 standard
Database server Oracle 10g or higher / DB2
Edition / R2

27
 Thank You

Contact Us

Sanjay Bhoite -
9930182331
Anish Thomas -
9885016017
Karthik -
atos.net www.evolvussolutions.com