TEMENOS T24 Non Stop Architecture Presentation

Alain VINCENT

Agenda

T24 Architecture

Non Stop Architecture Challenges

Non Stop Architecture Technical Solution

Non Stop Architecture Business Solution

T24 Architecture

TEMENOS T24 Functional Architecture

Web

Call Centre

Mobile

Channel Services Presentation Security Management System

Browser

Web Svcs

IVR

Version

Enquiry

Static

Contact History

Overview

Customer Treasury
FX Money Market Swaps FRA Repos Capital Markets Futures/Options CORE Support Modules

Profitability

Preferences and Groups

Retail
Accounts

Wealth Management Asset Management

Performance Modeling

Trust /Private

Corporate
Trade Finance Commercial Loans Guarantees Cash Management Syndicated Loans Leasing Bills
Workflow Exception STP Dispo Risk Limits / Collateral Market Risk

General
Nostro Recs Confo matching Funds Transfer Euro Past Due Intermediary comp Tax Image Document mgt Delivery Swift / FIX Print / Telex / Other

DDA, checks, cards, statements, charges, sweeps, direct debits

Fiduciaries Fixed deposits Brokerage Planning

Mortgages / loans Teller Mutual Funds*

Order processing Corporate Actions

Accounting General Ledger MIS / Profitabilty

Multi Company, ccy Language, GAC

Dev Toolkit Programming Database

Security Management System

TEMENOS T24 Technical Architecture

Web

Call Centre

Mobile

Channel Services Presentation Security Management System

Browser

Web Svcs

IVR

Version

Enquiry

Static

Contact History

Overview

Customer Treasury
FX Money Market Swaps FRA Repos

Profitability

Preferences and Groups

Retail
Accounts

Wealth Management Asset Management

Performance Modeling

Trust /Private

Corporate
Trade Finance Commercial Loans Guarantees

General
Nostro Recs Confo matching Funds Transfer Euro Past Due Intermediary comp Tax Image Document mgt

DDA, checks, cards, statements, charges, sweeps, direct debits

Fiduciaries

Mortgages / loans Teller Mutual Funds*

Order processing Corporate Actions

Fixed deposits Brokerage Planning

T24 Server
Capital Markets Futures/Options CORE Support Modules Leasing Bills
Workflow Exception STP Dispo Dev Toolkit Programming Database

Cash Management Syndicated Loans

Accounting General Ledger MIS / Profitabilty

Multi Company, ccy Language, GAC

Risk Limits / Collateral Market Risk

Delivery Swift / FIX Print / Telex / Other

Security Management System

TEMENOS T24 Technical Architecture

MS Office Telnet Crystal Report Desktop SubSystems GIB Internet Browser Web Services T24 Browser Entreprise Console
Presentation

Web
Apache / IIS GIB T24 Web Services ISAPI T24 Browser T24 Console

Presentation Servers

Web Application

J2EE & Servlet Communication

Connection Clients

jConMan

GCC

X
TCP/IP EAI MQ Series / MSMQ GCS

M L
Core Application

Resource Adapters

OLE DDE

Telnet

jConSrv

T24

Database Connectivity

jEDI

Database

Oracle / DB2 / j4

NON STOP Architecture Challenges

Business Challenges

Remove the dependency of running EOD treatment without users entering new transactions Close of Business to switch from one processing date to the next Core Accounting System to ensure that work entered after close of business cut-off is handled as next days business

Technical Challenges

Traditional End of Day processes (accruals, schedule processing) are moved to background on-line task Close of Business is created as a background task Database backups must be performed online

NON STOP Architecture Technical Solution

Technical Solution
Traditional End of Day processes (accruals, schedule processing) are moved to background on-line task

End Of Day processes have all been re-engineered so that they are now multi-thread, each process is transaction based. All these transactions are handled by a single program. Each transaction can be rolled back, if a processing error occurs, to guarantee database integrity and process continuation Errors or Failure of tSA (TEMENOS Service Agents) are managed by the tSM (TEMENOS Service Manager) to avoid disruption of the processes

Technical Solution
Close of Business is created as a background task tSM (TEMENOS Service Manager) is handling all the tSA (TEMENOS Service Agents) that run the transaction processing online of the re-engineered End Of Day processes. Close of Business is performed by a tSA. It can start automatically (scheduled) or by operator request. tEC (TEMENOS Enterprise Console) monitors and controls the tSA status and job definition.

GLOBUS T24 Resilience

tService Agents
Scalability Resilience
tSA tSM Server A tSA
TSA.SERVICE SERVER.NAME WORKLOAD

Agents

List of contracts to process list

tSA

tSM

Server B

tSA

tSA

If one agent is terminated then its transaction is rolled back and the other agents will process the contract.

tSM

Server C

tSA

Add more agents to increase throughput

Technical Solution
Database backups must be performed online

with Oracle:
can perform online backups of the database. This is an Oracle feature supported by t24.

with other databases:

mirror copy of the database can also be used to shortly (time to break the mirror) take an image of the current data.

NON STOP Architecture Business Solution

Business Solution
Remove the dependency of running EOD treatment without users entering new transactions Accept, validate and process online transactions Place in HLD status unauthorised transactions Time stamp static changes having financial impact on GL figures or calculations of the Close Of Business Not include GL transactions (accounts and P&L) Not include the account interest & charges calculation No modifications on customer account statement or valuation generated by Close Of Business Not include foreign currency position impact in revaluation processing of Close Of Business

Account Balances and Entries

Open actual balance Authorised Unauthorised Forward

Online actual balance

Available balance

8 8 8

9 8 8

9 ? 9

Business Solution
Close of Business to switch from one processing date to the next Creates a new DATES record specifically for Close of Business use. Cycle the DATES record to the next working day. Moves the STATUS on the DATES record to denote the Close Of Business state.

Account Balances and Use

Open actual balance Financial reporting Balance checking Intra day enquiries

Online actual balance

Available balance

9 8 9

8 8 9

8 9 9

Business Solution
Core Accounting System to ensure that work entered after close of business cut-off is handled as next days business Identification of entries passed across accounts and P&L from transactions entered after the Close Of Business as these must be considered next days work from a book keeping perspective.

QUESTIONS ?

T24 Non Stop - Example

T24 COB Accounting Example

Starting data on 01/07

Account 1 GBP
Open Actual Balance On-line actual Balance Available Date Available Balance 1000 1000 01/07 02/07 500 500

Account2 USD
Open Actual Balance On-line actual Balance Available Date Available Balance 2000 2000 01/07 2000

Difference between on-line and available balance is due to a scheduled loan repayment of GBP 500 which will debit this account during the COB for 01/07

T24 COB Accounting Example

Posting for an on-line transaction 01/07

Account 1 GBP
Open Actual Balance On-line actual Balance: Available Date Available Balance 01/07 250 1000 750 02/07 250

Account2 USD
Open Actual Balance On-line actual Balance Available Date Available Balance 01/07 2000 2000 2375 02/07 2375

Online input of a funds transfer Debit Account 1 GBP 250 01/07, Credit Account 2 USD 375 02/07

T24 COB Accounting Example

Initiate COB

Application
Stage n Stage 2 Stage 3 Stage 1

System Wide
Stage n Stage 2 Stage 1

Reporting
Stage n Stage 1

Start of day
Stage n Stage 1

..

..

..

..

Initiate Close Of Business process Cycle on-line date to 02/07 Close Of Business date remains 01/07

Account 1 GBP
Open Actual Balance On-line actual Balance: Available Date Available Balance 01/07 250 1000 750 02/07 250

Account2 USD
Open Actual Balance On-line actual Balance Available Date Available Balance 01/07 2000 2000 2375 02/07 2375

T24 COB Accounting Example

On-line transfer during COB

Application Application
Stage n Stage Stage 2 2 Stage 3 Stage 1 1 Stage

System Wide
Stage n Stage 2 Stage 1

Reporting
Stage n Stage 1

Start of day
Stage n Stage 1

..

..

..

..

Online input of a funds transfer Debit Account 1 GBP 200 02/07, Credit Account 2 USD 280 03/07

Account 1 GBP
Open Actual Balance On-line actual Balance: Available Date Available Balance 01/07 250 1000 550 02/07 50

Account2 USD
Open Actual Balance On-line actual Balance Available Date Available Balance 01/07 2000 02/07 2375 2000 2655 03/07 2655

T24 COB Accounting Example

Scheduled Loan Repayment

Application Application Application

Stage n Stage 2 Stage Stage 2 2 Stage Stage 3 3 Stage 1 1 Stage Stage 1

System Wide
Stage n Stage 2 Stage 1

Reporting
Stage n Stage 1

Start of day
Stage n Stage 1

..

..

..

..

..

Process scheduled loan repayment Debit Account 1 GBP 500

Account 1 GBP
Open Actual Balance On-line actual Balance: Available Date Available Balance 01/07 250 1000 50 02/07 50

Account2 USD
Open Actual Balance On-line actual Balance Available Date Available Balance 01/07 2000 02/07 2375 2000 2655 03/07 2655

T24 COB Accounting Example

Cycle ledger balances

Application Application Application Application Application

Stage 1 Stage 1 Stage Stage 1 1 Stage 2 Stage 2 Stage 2 2 Stage Stage 3 Stage 3 3 Stage

System Wide System System Wide Wide

Stage n Stage n Stage n Stage Stage 2 2 Stage 1 1 Stage

Reporting
Stage n Stage 1

Start of day
Stage n Stage 1

.. ..

..

..

..

..

..

Cycle open actual balances

Account 1 GBP
Open Actual Balance On-line actual Balance: Available Date Available Balance 01/07 250 250 50 02/07 50

Account2 USD
Open Actual Balance On-line actual Balance Available Date Available Balance 01/07 2000 02/07 2375 2375 2655 03/07 2655

T24 COB Accounting Example

Cycle available dates and balances

Application Application
Stage n Stage 3 Stage 1 Stage 2

System Wide System Wide

Stage n Stage 2 Stage 1

Reporting Reporting
Stage n Stage 1

Start of day
Stage n Stage 1

..

..

..

..

..

Cycle available dates and balances Account 1 GBP Open Actual Balance Online actual Balance Available Date Available Balance 250 50 02/07 50 Account2 USD Open Actual Balance On-line actual Balance Available Date Available Balance 02/07 2375 2375 2655 03/07 2655

T24 COB Accounting Example Account balance update summary

Online

Start COB

Application

System Wide

COB date change

start Onof day line

User date COB date

05-Apr 05-Apr

05-Apr 05-Apr
Transfer ac1 -250 05/04 ac2 +$375 06/04

06-Apr 05-Apr
Transfer ac1 -200 06/04 ac2 +$300 07/04

06-Apr 05-Apr
Loan repayment ac1 -500 01/07

06-Apr 05-Apr

06-Apr 06-Apr

06-Apr 06-Apr 06-Apr 06-Apr

05-Apr 06-Apr Account 1 GBP ledger balance 1000 book balance 1000 available balance 500 500

05-Apr

06-Apr

05-Apr 06-Apr 07-Apr 1000 550 250 50 50

05-Apr 06-Apr 07-Apr 1000 50 250 50 50

05-Apr 06-Apr 07-Apr

06-Apr 07-Apr

1000 750 250 250

250

250 50 50 50

250 50 50 50

Account 2 USD ledger balance book balance available balance

2000 2000 2000 2000

2000 2375 2000 2375

2000 2675 2000 2375 2675

2000 2675 2000 2375 2675

2375 2675 2000 2375 2675

2375 2675 2375 2675

QUESTIONS ?