Solutions Update. ©2014 CONIX Systems, Inc. Detective Suite Overview/Update –Dupe Detective –Fraud Detective –Real-Time Inquiry –Cross-Bank Inquiry.

Solutions Update

©2014 CONIX Systems, Inc. 2

Detective Suite Overview/Update– Dupe Detective

– Fraud Detective

– Real-Time Inquiry

– Cross-Bank Inquiry

– FTM Interface

TCMx / Server-Based Settlement

Agenda

©2014 CONIX Systems, Inc. 3

FTM Dupe Detective

DD Extract

New Items

FTM-DD Drop Folder

Duplicate Detection

Item/UOW Update Process

Duplicate Results (XML)

Incoming

In Work

Completed

Archive

Dupe Detective FTM Interface

As new payments are introduced and validated

in the FTM system, an interface file is created and made available to

DD that contains all pertinent item information.

After the duplicate analysis is

completed, DD creates and makes available to FTM an

export file containing the results.

Upon receipt of a new results file, the items are updated in FTM and a flag is set to indicate the completion of the duplicate detection process for that unit of work.

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Day 1 Duplicate Detection and Real-Time Inquiry

Dupe Detective

Landing Zone

Multi-Bank

Business Rules & Filters

Web Interface

Global Log

Reporting

Detective Suite Infrastructure Payment

Systems

Cross-Channel

Incoming & Outgoing

Outgoing Returns

Image Archives

Suspect Review

X9 Inspector

Image Analytics

Real-Time Inquiry

(Optional Feature)

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Day 1 Fraud Detection and Real-Time Inquiry

Fraud Detective

Landing Zone

Multi-Bank

Business Rules & Filters

Web Interface

Global Log

Reporting

Detective Suite Infrastructure

Payment Systems

Cross-Channel

Image Archives

Suspect Review

Account Metrics

Image Analytics(Optional Feature)

Account Updates

Real-Time Inquiry

DDA

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Fraud and Duplicate Detection – Batch Workflow

Automated elimination of false suspects

Payment Systems

Returns Fraud

Cross-Channel Payment Selections

Operator Decisions

Confirmed

Disposition

ACH

Federal Reserve & Exchange Partners

Mobile Capture

RDC

Check Capture

Suspects

Image Analytics

Business Rules

Remove Re-presentments

Business Rules & Image Analytics

Automated routing based on dispositions

Automated suspect dispositioning

Automated payment processing

Check Stock ValidationSignature Verification

Suspects Fraud Controls MICR Match

Suspects

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Fraud and Duplicate Detection – Real-Time Inquiry

Detective Database

Inquiry

Re-presentment Filtering

User-defined Filtering

Image Analytics

Business Rule DecisioningSuspect

Identification

Optional Processing*

Results

Teller

ATM

Other Systems

*Availability of optional processes varies based on operating mode (full-service vs. inquiry only)

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Cooperative FIs inquire on each others’ duplicate databases to identify suspects before presentment

FIs avoid losses and reduce adjustment costs

Potential for fee income from retail merchants, check cashers, and other non-banking entities

CBI Switch provides management of communications between FIs

Cross-Bank Inquiry

Early detection of duplicates and fraud closes the gap between returns and fund withdrawals

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SampleCross-Bank

Inquiry (CBI™) Batch

Workflow Ingest

Input Transactions

Presenting FI Image Archives

Business Rule R/T Lookup

Suspect Merge

Export

Owning FI Image

Archives

Inquiry

Suspect Review

Presenting FI Owning FI

Exchange R/T Items

Presenting FI Suspects

Owning FI Suspects

Business Rule & Filters

Business Rules & Filters

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Sample CBI Real-Time Workflow

• Single transmission per UOW with all items drawn on Bank B. Use CCI with security through IIS.

• Items not ingested, simple inquiry on Database.

• Single return transmission with results of inquiry on all items sent.

• New functionality will be added to Business Rules to cover these external (cross-bank) items.

Bank A (Presenting) Bank B (Owning)

Item Inquiry

Bank A DD/FD done first. If not a suspect(?)

And Not On-Us

CONIX Partners Table

Bank B’s Disposition Code, External Inquiry flag set

Business Rules

Messaging Service

External Inquiry flag can be tested. Along with R/T value check, Bank B’s code can be converted to Bank A’s.

CONIX Partners Table

Messaging Service

Messaging Service

Messaging Service

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CONIX Payment Validation Network (CBI Switch)

Single Switch

Each network member maintains one control for communications with the switch. This covers communications with any other institution that communicates through the same switch.

For institutions that choose not to use the switch, institution-level controls must be maintained.

Switching services can be provided by a banking or non-banking institution.

Bank DBank B Bank C

Bank A

Bank C InquiryBank D Inquiry

Bank B Inquiry

Bank B has a agreement with

Bank A only.

The switch maintains controls for all of its member institutions.

Bank A maintains one primary switch

control for communications

with member institutions.

Switch

Bank A Inquiry

Bank A Inquiry

Non-Bank

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CONIX Payment Validation Network (CBI Switch)

Multi Switch (Primary)

Each member maintains one control for communications with one primary and one or more alternate switches. If one switch becomes inoperable, the members can use the alternate switch.

All alternate switches maintain control for their own primary customers and customers of other switches that act as primary for those same customers.

Bank B has a agreement with

Bank A only.

Bank A maintains one primary

switch control that is normally

used for communications

with member banks.

Bank A

Bank B Bank C

All Inquiries

Bank C InquiryBank B Inquiry

Bank D Bank E

Switch 1 Switch 2

Bank D InquiryBank E Inquiry

Inquiries that A sends to Switch 1 for Banks D and E are passed thru to switch

2.

Bank A Inquiry

Non-Bank

Bank A Inquiry

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Ingests and Groupings

Online Inquiry

Accumulator/Cell Editing

Entry Editing

Reporting

File Generation

EOD (Clear)

Holdover

Interface with Cashletter System/CLAS

TCMx/Server-Based Settlement

TCM Features

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Item-Level Detail

Extract Function

Input Unit of Work Types

Input File Format

Timing of Feeds

TCMx/Server-Based Settlement

Additional Features