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Prognoz Payment System Data Analysis
Description of the solution
© Prognoz, 2015
Prognoz Payment System Data Analysis
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Content
1. Goals and Tasks . ……………………………………………………………………………………………………………………………………………3
2. Proposed Architecture ......................................................................................................................................... 4
3. Functionality ........................................................................................................................................................ 5
3.1 Payment system operation analysis ............................................................................................................. 5
3.2 Cash flow monitoring and analysis by transactor ......................................................................................... 6
3.3 Payment profile analysis by transactor ......................................................................................................... 7
3.4 Summary information analysis by transactor................................................................................................ 8
4. Tools .................................................................................................................................................................... 9
4.1 Data visualization......................................................................................................................................... 10
4.2 Data warehouse ........................................................................................................................................... 11
4.3 Administration and information security .................................................................................................... 11
5. Technical Requirements .................................................................................................................................... 12
5.1 Hardware Requirements ............................................................................................................................. 12
5.2 Software Requirements ............................................................................................................................... 13
6. Competitive Advantage ..................................................................................................................................... 14
7. Proven Results ................................................................................................................................................... 15
Prognoz Payment System Data Analysis
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1. Goals and Tasks
Prognoz company is pleased to propose Prognoz Payment System Data Analysis, a comprehensive solution
designed to monitor and analyze payment data processed by payment systems, such as national, international,
and private, of a particular organization, and so on.
The Prognoz Payment System Data Analysis provides comprehensive support to:
Collect, consolidate, and store payment system data
Compute cash flow ratios by transactor and payment system ratios, using detailed data on payments
made by all parties
Monitor and analyze cash flow ratios by transactor, leveraging drill-down capabilities
Create analytical reports by individual transactor or transactor groups and summary reports by
territory or the payment system as a whole
The solution will enable your company to:
Improve oversight over transactor organizations and assess their financial position using a single
analytical toolkit
Make your decision-making more operational, informed, and efficient while exercising supervision
over the payment system and analyzing its operation
Leverage a single toolkit to collect, consolidate, and analyze payment system data, all in a timely
fashion
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2. Proposed Architecture
Fig.1 below illustrates the functional and technological architecture of Prognoz Payment System Data Analysis.
Fig.1. Prognoz Payment System Data Analysis architecture.
The solution is based on the following key principles:
Openness due to open architecture principles, including a capability to modify and add extra
modules to Prognoz Payment System Data Analysis
Reliability due to uninterruptable operation of Prognoz Payment System Data Analysis and data loss
protection
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3. Functionality
Below are functional modules of Prognoz Payment System Data Analysis:
Payment system operation analysis
Cash flow monitoring and analysis by transactor
Payment profile analysis by transactor
Summary information analysis by transactor
3.1. Payment system operation analysis
The module will enable users to:
Analyze the number and composition of payment system transactors by territory and category
Monitor and analyze changes in transactor account balances by territory and the payment system as
a whole
Monitor and analyze the number and amount of payments made via the payment system:
Analyze the number and amount of incoming payment documents by territory
Analyze the number of processed payment documents and actual write-offs from transactor
accounts
Analyze immediate payments made via the payment system, by category, such as territory,
transactor, and so on
Generate reports on payment system operation indicators as a whole and by territory
Fig.2. Payment system operation analysis.
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3.2. Cash flow monitoring and analysis by transactor
The module will enable users to:
Monitor and analyze key activity indicators of transactors:
Monitor and analyze account balance changes by transactor
Monitor and analyze account footing changes by number and amount of payments made
Monitor and analyze the state of transactor account indicators:
Monitor state of transactor account indicators
Identify transactors whose state of account indicators show deviation from the level established
Monitor and analyze changes in cancelled payments
Create reports detailing transactor cash flow indicators:
T-balance sheet
Average account footings and balances
State of account monitoring, and so on
Fig.3. Cash flow monitoring and analysis by transactor.
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3.3. Payment profile analysis by transactor
The module will enable users to:
Analyze counterparties:
Identify a transactor's main counterparties, debiting or crediting funds
Analyze settlement performance by selected counterparty
Create a transactor payment registry and filter by various criteria, such as counterparty, account,
period, and so on
Analyze settlement by branch:
Analyze the distribution of a transactor's payments by branch
Create a registry detailing payments of a selected branch during a given period
Analyze the structure of transactor payments by category, such as:
Receipt of funds by source
Write-off of funds by designation of resources
Payments by settlement document type
Analyzed information on a selected organization’s payments grouped as per required criteria,
such as counterparty type, their location, and so on
Analyzed settlement performance across each group
Create reports on a transactor's payment profile:
List of transactor counterparties
Credit and debit footings
Cancelled payments, and so on
Fig.4. Transactor payment profile analysis
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3.4. Summary information analysis by transactor
The module will generate analytical reports, providing summary information on all transactors registered
within a specified territory and across the payment system as a whole, and:
Generate summary reports on the financial position of transactors
Generate summary reports on the state of account indicators of transactors
Generate summary reports on the payment profile of transactors
Generate summary reports on cancelled payments
Select transactors meeting specified criteria, such as:
Zero account footings/balances during a period
Payments exceeding a specified amount
Settlements with specified client categories, such as individuals, state-funded organizations, and
so on
Cancelled payments, and so on
Fig.5. Transactor summary information analysis
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4. Tools
The system toolkit is built atop the Prognoz Platform, a package of software tools and services enabling work
with applications within a three-tier architecture. Fig.6 below illustrates the architecture of the Prognoz
Platform:
Fig.6. Prognoz Platform architecture.
The Prognoz Platform equips users with the following tools:
Data integration: data warehousing, master data management, data extraction, transformation, and
loading from various sources
Reporting and visualization: printer-friendly scheduled reports, ad-hoc reports (OLAP), and analytical
notes
Modeling and forecasting: econometric modeling, optimal management tasks, and mathematical
and statistical data analysis
Application development toolkit
Advanced access delimitation, activity logging and administration, and tools to create protected
automated systems up to 1B protection class inclusive
The standard solution delivers the following tools to customize and work with the functional modules:
Data visualization
Data warehouse
Administration and information security
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Set out below is an outline of the aforementioned tools.
4.1. Data visualization
Within the system, dashboards are the main data visualization tool. Each dashboard shows a definite logically
separated indicator or a group of indicators. Dashboards enable users to:
Customize a personalized list of analyzed transactors
Visualize data in various modes as a table, graph, or digital map (for indicators broken down by
territory)
Preview and print
Upload to Microsoft Excel
System section and dashboard composition and structure can be configured as per requirements of a
particular organization.
In addition to dashboards, scheduled and express reports enable users to visualize data. Such reports are
created and visualized using the Web components of the Prognoz Platform.
Scheduled reports. System users can create, view, and print customized reports that contain spreadsheets,
charts, and digital maps. Both multidimensional and relational data can be used as data sources for scheduled
reports. Such reports help users to:
Display data warehouse query results as various spreadsheets
Manage report data selection parameters visually
Customize report design options
Use hyperlinks
Create charts and maps
Page vast amounts of data, for example, a multiple-element payment registry
Drill down from aggregate ratios to payments in a report
Customize preview and report printing settings
Export reports to external formats such as XLS, RTF, and PDF
OLAP-based express reports help perform online multidimensional data analysis and:
Analyze data from various sources on a concurrent basis and place it in a single spreadsheet
Drill down and roll up
Filter, sort, and search
Rotate, adjust to scale, and scroll through spreadsheets
Calculate and visualize ratios online
Create printing forms automatically
Export analysis results to external formats such as XLS and PDF
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4.2. Data warehouse
The system's data warehouse delivers data extraction, transformation, and loading tools to populate the data
warehouse and to:
Extract and receive data from external sources
Transform and cleanse data to achieve the required quality
Load data to the data warehouse
The tools enable data import from various external sources:
Text files, such as TXT, CSV; other file types can be processed, such as XML, HTML, XLS, and so on, if
necessary
Other DBMS, such as Oracle, MS SQL Server, and so on
The data warehouse also contains automated update components for master data needed to implement data
processing business logics:
Transactors dictionary
Territories dictionary
Chart of accounts
The data warehouse manages vast amounts of data, processes millions of source data entries daily, and stores
billions of entries.
Within the data warehouse, data extraction, transformation, and loading tools can be customized and tailored
to fit the customer’s requirements and constraints.
4.3. Administration and information security
Split-level software tools ensure compliance with restricted data protection requirements:
Conventional access administration and delimitation tools of the Windows operating system
Built-in protection tools of a DBMS in use
Data protection tools within the Prognoz Platform
For data protection purposes, users are not allowed direct access to the data warehouse while the system
audits user activity and controls access to protected objects. In addition, data is protected when imported
from sources and processed. Extra protection mechanisms can be utilized, depending on the software in use.
Within the system, a set of mechanisms and data protection tools can be customized and tailored to fit the
requirements of a particular organization.
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5. Technical Requirements
5.1. Hardware Requirements
System components are located on the following server equipment:
DBMS server
Application server
Web server
Please find below recommended technical specifications for servers for 50 concurrent users (Table 1).
Table 1. Recommended technical specifications for servers
Server Technical specifications
DBMS server - Processor: Intel Xeon Processor 2Core 2.66 GHz - RAM: 4 GB - Disk array space: 50 GB or more. Disk array space
depends on volume of loaded data. We recommend using a high-performance resilient disk subsystem based on RAID10 and other RAID configurations.
Application server - Processor: Intel Xeon Processor 2Core 2.66 GHz - RAM: 8 GB - Disk array space: 50 GB
Web server - Processor: Intel Xeon Processor 2Core 2.66 GHz - RAM: 4 GB - Disk array space: 50 GB
User workstation configuration should meet the minimum requirements for a Microsoft Windows-based
browser and Microsoft Office 2000 or higher.
Recommended user workstation technical specifications:
Processor: Intel Core 2 Duo 2.40 GHz
RAM: 1 GB
Hard disk space: 2 GB or more
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5.2. Software Requirements
System software should contain licensed software. Please find below recommended software (Table 2).
Table 1. Recommended system software
Hardware System software
DBMS server - Operating system: Windows Server 2003/2008/2008 R2
(x64) or other OS for working with a selected DBMS - DBMS: Oracle 10g or higher
Note: Use other DBMS as needed (MS SQL Server 2008 or higher, IBM DB2 9 or higher)
Application server - Operating system: Windows Server 2003/2008/2008 R2
(x64)
Web server - Operating system: Windows Server 2003/2008/2008 R2
(x64), AIX 5.3 or higher, Linux and Unix, supporting Apache Tomcat
- Apache Tomcat 6 or higher or any other comparable product
Note: Use portal server IBM WebSPhere Portal 6.1 or higher to access the system, if needed
User workstation - Operating system: Windows XP/Seven (x86 or x64) - Browser:
Internet Explorer 8 or higher
Google Chrome 9 or higher
Mozilla Firefox 3.6 or higher
Opera 11 or higher
Apple Safari 5 or higher
Note: Have Adobe Flash Player 10 or higher installed for business graphics when using Internet Explorer 8
The system runs on a three-tier architecture, while data access is provided via thin client. The system is based
on the Prognoz Platform located on the application server.
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6. Competitive Advantage
The Prognoz Payment System Data Analysis has advantages, such as:
Deep integration into your existing IT infrastructure
Flexible analytical tools that enable dynamic, structural, and territorial analyses of payment data
Integration of various payment data sources
User-friendly visualization and flexible functional settings
One-stop-shop principle to access data
Access via internet from any point on the planet
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7. Proven Results
International company Prognoz has been working in the IT market since 1991 and is one of the top
companies in developing systems designed to monitor, analyze, and forecast economic, financial, and
industrial processes. Prognoz forecasting and analytical systems improve efficiency of industrial enterprises,
federal and subnational authorities, banks, and financial entities.
Prognoz has offices in Perm, Moscow, some of the regions of Russia, in the United States (Washington), China
(Beijing), Belgium (Brussels), Kazakhstan (Astana), and Belarus (Minsk). The company employs over 1,500
professionals.
Fundamental scientific approaches combined with cutting-edge information technologies allow Prognoz to
develop world-class software products that meet the needs of a wide range of customers. Prognoz has
successfully implemented over 1,500 projects around the world. Among Prognoz customers are International
Monetary Fund, the World Bank, World Health Organization, Organization for Economic Cooperation and
Development, Asian Development Bank, African Development Bank, Coca-Cola, 3M, China Ocean Shipping
Company (COSCO), Abu Dhabi Terminals, State Grid Corporation of China, Gazprom, Sberbank, ministries and
agencies of various countries, including Presidential Executive Offices of Russia and Kazakhstan, customs
services of Russia and Belarus, U.S. Department of Agriculture, and Joint Research Centre under the European
Commission.
Prognoz is ranking high in IT ratings over several years. The international analytical and consulting company
IDC reports that Prognoz is the leading player on the Russian custom software market.
Prognoz is the Gold Certified Partner of Microsoft, Gold Business Partner of Oracle, and IBM Partner. The
quality management system of Prognoz meets the ISO 9001:2008 standard requirements. The company is a
proud owner of SAP AG certificate, confirming that the Prognoz Platform meets the requirements for
integration with SAP NetWeaver Business Warehouse.