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Introduction
This part of the project includes running all kinds of business dealings with citizens and small businesses. This subsystem includes analytical accounting, reporting, rear entering of the data, in other words, all business dealings except those that are being carried out at the bank windows. That part is included in a separate project and its programs. Interest accounting for individual parties, card listing, inquiries into states of parties can be carried out at the bank window itself from this part of the project, and yet, they could be a part of bank window application.Subsystem for business dealings with citizens is completely merged into the project and all of the rules defined for the project are applicable here. That means: all of the data are being recorded in the unique data base, that each transaction is being processed and recorded in the data base only once, that the accounting procedures, transfer to the general legend, and reporting are being carried out in the unique manner
Data for this part of the subsystem is being automatically filled with: data from the bank window application, National bank generated data, data about accounted salaries and pensions. Data can be recorded through general or special programs for data entering (interior warrants, gyro accounts, realized checks, salaries, loans…). Also, the data is automatically generated through accounting programs (interests, rate differences, taxes…).
Entering the data from the bank window application can be done in the set period of time (once a day, every 60 minutes …), or it can be performed permanently in Online regime of work. Doing this, bank window transactions are formed into accounting items that are unique for the entire project. Adversely, bank window is being sent information about the state of the parties, accounted interests, number of unrealized checks, etc.
Rear data entering (checks,payment of salaries and pensions, permanent warrants, credit cards…) is organized in such a way that the sigmatic obligation or approval (most commonly an National bank document) is being entered on the special (for that purpose only) party of the appropriate account. After that, simultaneously with rear data entering, accounting revoke of that amount on a special party is created, as well as individual de-accounting for each analytic party of account holder. This can be done automatically (if the data is available in electronic format), or in special programs for data entering. It is possible to control this process through programs for items connection.
Tax calculation is performed for individual party, for all parties of one account, or for all parties of a group of accounts. Calculations can be done at preferred dynamics (monthly, quarterly, annualy). Afeter calculation, the tax can be accounted automatically to the account of the principal or the reservation of the tax. The account consults all the items from the current accountancy period (year) so that every calculation performs correction of the previous calculations (in case that there were entered items with the currency date that enters the period for which the calculation has already been done).
Printing of statement for account holders is done on request and at preferred dynamics (after each accounting, quarterly, monthly,…).
Programs that are used at every segment of the subsystem of citizens and small business are:
Keeping record of registry of accounts
Entering of financial changes
Automatic entry of National bank document
Entry of SDK document
Entry of internal warrants
Automatic record of bank window data
Entry and automatic record of list of salaries and pensions
Accounting of changes
Calculation of taxes for all parties
Calculation of taxes for individual party
Automatic accounting of calculated taxes
Connection of items
Inquiries at statements of accounts
Standard reports are:
Control lists
Record book of accounting
Lists of calculated taxes
Reports of statement and circulation
List of unconnected items
Credit cards
Printing of statements of bank accounts
In the segment of dealing with citizens bank accounts, the basic part of application has been expanded with the following functions:
Checks releasing and accounting
Complete monitoring of number of released and spent checks
Updating prohibition of releasing checks
Citizens' checks payment turnover
Giving permissions for exceedings
Reaccounting bank's account interest
Automatic transfer from a gyro account to checking account
Automatic rewriting to suspicious and controversial demands
Interest calculation for suspicious and controversial demands
Issuing permanent warrants
Data acceptance from permanent warrants
To the standard group of reports, the following ones have been added:
List of states for each checking account
List of allowed and unallowed exceedings
Black list of unallowed exceedings
Interval list of exceedings
List of allowed exceedings
Recapitulation of situation and circulation
Report of released and spent checks
Warnings printing
By keeping record about each individual check in the data base from the moment of releasing, it is possible to monitor a checking account. Consumation of a check or its nulling changes the check status. This enables complete analytic monitoring of checks' dealings, or inquiries into the number of released, consumpted and unconsumpted checks and solving citizens' complaints.
Payment circulation with the citizens checking accounts is supported in the scope of this subsystem and as a part of the scope of bank window application. All phases of business dealings are covered, from the acceptance of virmans and specifications from the account holders (most commonly trading organizations), through connection of these transactions with the items on the excerpt of the bank's gyro account and their analytic de-accounting, to calculation of compensation to other banks and their invoicing.
De-accounting to the accounts of suspicious and controversial demands is done automatically for in advance marked accounts. After this initial transfer, each following financial change on these accounts is automatically being over-accounted to the appropriate account of suspicious and controversial demands.
Foreign exchange dealings with citizens
For the needs of citizens foreign exchange dealings support, the following has been automated:
Calculation of exchange rates
Automatic accounting of exchange rates
Payment and keeping record of foreign exchange pensions
Following reports are:
List of situation in dollars
List of influx and deflux for each base
List of calculated exchange rates differences
Ten-days report for the national bank about the foreign exchange circulation
Daily report for the national bank about the foreign exchange circulation
As it has been defined on the level of the project, each financial item contains the data about the amount in the original currency and domicile currency amount. Calculation and accounting exhange rates is performed at the desired dynamics (daily, monthly) on the level of individual account or at the account level.
Citizens' loans
For the needs of citizens' loans support, the following functions have been automated:
Loan release and purpose control
Transfer of the loan into pay off
Calculation of installment
Suing and transfer to suspicious and controversial demands
Following reports are:
List of slovenly payers
List of loans in subscription
List of accounts trasferred to suspicious and controversial demands
Warnings print