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

T 2 4

A r c h i t e c t u r e

TEMENOS T24 Functional Architecture

Channel ServicesWeb Call Centre Mobile Browser Web Svcs IVR

Security Management System Version Presentation Enquiry

Static Contact History Overview Customer Profitability Preferences and Groups

Trust /PrivateWealth Management

Asset ManagementPerformanceModeling…

Fiduciaries

Fixed depositsBrokerage

Order processingCorporate Actions…

Treasury

FX

Swaps

Money Market

FRA

Repos

Capital Markets

Futures/Options

Retail

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

Mortgages / loans

Teller

Mutual Funds*

Corporate

Trade Finance

Guarantees

Commercial Loans

Cash Management

Syndicated Loans

General

Nostro Recs

Funds TransferConfo matching

Euro

PlanningLeasing

Past Due

Intermediary comp

Tax

BillsImage

Document mgt

Security Management System

CORESupport Modules

Accounting Risk DeliveryGeneral LedgerMIS / Profitabilty

Limits / CollateralMarket Risk

Swift / FIXPrint / Telex / Other

MultiCompany, ccy

Language, GAC

Dev ToolkitProgramming

Database

WorkflowException STP

Dispo

TEMENOS T24 Technical Architecture

Channel ServicesWeb Call Centre Mobile Browser Web Svcs IVR

Security Management System Version Presentation Enquiry

Static Contact History Overview Customer Profitability Preferences and Groups

Trust /PrivateWealth Management

Asset ManagementPerformanceModeling…

Fiduciaries

Fixed depositsBrokerage

Order processingCorporate Actions…

Treasury

FX

Swaps

Money Market

FRA

Repos

Capital Markets

Futures/Options

Retail

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

Mortgages / loans

Teller

Mutual Funds*

Corporate

Trade Finance

Guarantees

Commercial Loans

Cash Management

Syndicated Loans

General

Nostro Recs

Funds TransferConfo matching

Euro

PlanningLeasing

Past Due

Intermediary comp

Tax

BillsImage

Document mgt

T24 Server

Security Management System

CORESupport Modules

Accounting Risk DeliveryGeneral LedgerMIS / Profitabilty

Limits / CollateralMarket Risk

Swift / FIXPrint / Telex / Other

MultiCompany, ccy

Language, GAC

Dev ToolkitProgramming

Database

WorkflowException STP

Dispo

TEMENOS T24 Technical Architecture

PresentationServers

ConnectionClients

MS OfficeCrystalReport

OLEDDE

Telnet Desktop

Telnet jConSrvResourceAdapters

WebServices

T24Browser

T24 WebServices

T24 Browser

GIBInternetBrowser

Sub-Systems

PresentationEntrepriseConsole

GCC

DatabaseConnectivity

jEDI

GIB

GCS

EAIMQ Series / MSMQ

ISAPI

T24 Console

TCP/IP

Communication

J2EE & Servlet

WebApplication

Apache / IIS

Web

T24

CoreApplication

Database

Oracle / DB2 / j4

jConMan

X

M

L

N O N S T O P

A r c h i t e c t u r e

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

day’s 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

N O N S T O P

A r c h i t e c t u r e

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-engineeredEnd 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

ResilienceAgents

list

tSA

tSA

List of contracts to process

Server A

tSA

tSA

tSA

Server B

Add more agents to increase throughput

Server C tSAtSM

tSM

tSM

SERVER.NAME

WORKLOAD

TSA.SERVICE

If one agent is terminated then its transaction is rolled back and the

other agents will process the contract.

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.

N O N S T O P

A r c h i t e c t u r e

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

Online actual balance

Available balance

Authorised

Unauthorised ?Forward

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

Online actual balance

Available balance

Financial reportingBalance checkingIntra day enquiries

Business Solution

Core Accounting System to ensure that work entered after close of business cut-off is handled as « next day’s business »

• Identification of entries passed across accounts and P&L from transactions entered after the Close Of Business as these must be considered next day’s

work from a book keeping perspective.

Q U E S T I O N S ?

T24 Non Stop - Example

T24 COB Accounting ExampleStarting data on 01/07

Account 1 GBP Account2 USDOpen Actual Balance 1000 Open Actual Balance 2000

On-line actual Balance

1000 On-line actual Balance

2000

Available Date 01/07 02/07 Available Date 01/07

Available Balance 500 500 Available Balance 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 ExamplePosting for an on-line transaction 01/07

Account 1 GBP Account2 USDOpen Actual Balance 1000 Open Actual Balance 2000

On-line actual Balance: 750 On-line actual Balance 2375

Available Date 01/07 02/07 Available Date 01/07 02/07

Available Balance 250 250 Available Balance 2000 2375

Online input of a funds transfer

Debit Account 1 GBP 250 01/07, Credit Account 2 USD 375 02/07

T24 COB Accounting ExampleInitiate COB

ApplicationApplication

Stage 1Stage 1

Stage 2Stage 2

Stage 3Stage 3

……....

Stage nStage n

System WideSystem Wide

Stage 1Stage 1

Stage 2Stage 2

……....

Stage nStage n

ReportingReporting

Stage 1Stage 1

……....Stage nStage n

Start of dayStart of dayStage 1Stage 1

……....

Stage nStage n

Initiate Close Of Business process

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

Account 1 GBP Account2 USDOpen Actual Balance 1000 Open Actual Balance 2000

On-line actual Balance: 750 On-line actual Balance 2375

Available Date 01/07 02/07 Available Date 01/07 02/07

Available Balance 250 250 Available Balance 2000 2375

T24 COB Accounting ExampleOn-line transfer during COB

ApplicationApplication

Stage 3Stage 3

……....

Stage nStage n

System WideSystem Wide

Stage 1Stage 1

Stage 2Stage 2

……....

Stage nStage n

ReportingReporting

Stage 1Stage 1

……....Stage nStage n

Start of dayStart of dayStage 1Stage 1

……....

Stage nStage n

Stage 1Stage 1

Stage 2Stage 2

Online input of a funds transfer

Debit Account 1 GBP 200 02/07, Credit Account 2 USD 280 03/07

ApplicationApplication

Stage 1Stage 1

Stage 2Stage 2

Account 1 GBP Account2 USDOpen Actual Balance 1000 Open Actual Balance 2000

On-line actual Balance: 550 On-line actual Balance 2655

Available Date 01/07 02/07 Available Date 01/07 02/07 03/07

Available Balance 250 50 Available Balance 2000 2375 2655

T24 COB Accounting ExampleScheduled Loan Repayment

ApplicationApplication

Stage 1Stage 1

Stage 2Stage 2

Stage nStage n

System WideSystem Wide

Stage 1Stage 1

Stage 2Stage 2

……....

Stage nStage n

ReportingReporting

Stage 1Stage 1

……....Stage nStage n

Start of dayStart of dayStage 1Stage 1

……....

Stage nStage n

Stage 3Stage 3

……....

ApplicationApplication

Stage 1Stage 1

Stage 2Stage 2

ApplicationApplication

Stage 3Stage 3

……....

Stage 1Stage 1

Stage 2Stage 2

Process scheduled loan repayment

Debit Account 1 GBP 500

Account 1 GBP Account2 USD

Open Actual Balance 1000 Open Actual Balance 2000

On-line actual Balance: 50 On-line actual Balance 2655

Available Date 01/07 02/07 Available Date 01/07 02/07 03/07

Available Balance 250 50 Available Balance 2000 2375 2655

T24 COB Accounting ExampleCycle ledger balances

ApplicationApplication

Stage 1Stage 1

Stage 2Stage 2

Stage nStage n

System WideSystem Wide

Stage 1Stage 1

Stage 2Stage 2

……....

Stage nStage n

ReportingReporting

Stage 1Stage 1

……....Stage nStage n

Start of dayStart of dayStage 1Stage 1

……....

Stage nStage n

Stage 3Stage 3

……....

ApplicationApplication

Stage 1Stage 1

Stage 2Stage 2

ApplicationApplication

Stage 3Stage 3

……....

Stage 1Stage 1

Stage 2Stage 2

System WideSystem WideApplicationApplicationApplicationApplication

Stage 1Stage 1

System WideSystem Wide

Stage 2Stage 2

Stage 3Stage 3

……....

Stage nStage n

Stage 1Stage 1

Stage 2Stage 2

……....

Stage nStage n

Cycle open actual balances

Account 1 GBP Account2 USDOpen Actual Balance 250 Open Actual Balance 2375

On-line actual Balance: 50 On-line actual Balance 2655

Available Date 01/07 02/07 Available Date 01/07 02/07 03/07

Available Balance 250 50 Available Balance 2000 2375 2655

T24 COB Accounting ExampleCycle available dates and balances

System WideSystem WideApplicationApplicationApplicationApplication

Stage 1Stage 1

System WideSystem Wide

Stage 2Stage 2

Stage 3Stage 3

……....

Stage nStage n

Stage 1Stage 1

Stage 2Stage 2

……....

Stage nStage n

Start of dayStart of day

……....

Stage nStage n

Stage 1Stage 1

ReportingReporting

Stage 1Stage 1

……....Stage nStage n

ReportingReporting

Stage 1Stage 1

……....

Stage nStage n

Cycle available dates Cycle available dates and balancesand balances

Account 1 GBP Account2 USD

Open Actual Balance 250 Open Actual Balance 2375

Online actual Balance 50 On-line actual Balance 2655

Available Date 02/07 Available Date 02/07 03/07

Available Balance 50 Available Balance 2375 2655

T24 COB Accounting ExampleAccount balance update summary

Start COB

start of day

On-line

User date 06-Apr 06-Apr 06-AprCOB date 05-Apr 06-Apr 06-Apr

Account 1 GBP 05-Apr 06-Apr 05-Apr 06-Apr 05-Apr 06-Apr 07-Apr 05-Apr 06-Apr 07-Apr 05-Apr 06-Apr 07-Apr 06-Apr 07-Aprledger balance 1000 - 1000 - 1000 - - 1000 - - - 250 - 250 -book balance 1000 - 750 - 550 - - 50 - - - 50 - 50 -available balance 500 500 250 250 250 50 50 250 50 50 250 50 50 50 50

Account 2 USDledger balance 2000 - 2000 - 2000 - - 2000 - - - 2375 - 2375 -book balance 2000 - 2375 - 2675 - - 2675 - - - 2675 - 2675 -available balance 2000 2000 2000 2375 2000 2375 2675 2000 2375 2675 2000 2375 2675 2375 2675

06-Apr06-Apr

Transferac1 -£250 05/04ac2 +$375 06/04

Transferac1 -£200 06/04ac2 +$300 07/04

05-Apr06-Apr

Loan repaymentac1 -£500 01/07

Online

06-Apr05-Apr

COB date change

05-Apr05-Apr

05-Apr05-Apr

Application System Wide

Q U E S T I O N S ?