NAB has been designed and implemented in DPI
in order to achieve centralization of bank accounts, customer orientation,
facilitation of banking services so that customers can perform banking
operations from any branch that is equipped with this system, and also
centralized management for all types of accounts.
Services of interest
free saving accounts, short term deposit, clearing, Iran check, Telephone
banking, and payment of bills are now presented, not to
mention services of Interest free current accounts.
In this system, at
the end of each day accounting operations are done automatically (without
operator intervention) for each branch in the level of total and ledger and
after that various reports and statistics are provided for managers and users.
Since all branch
operations have been taken into account in design of this system, the context
of a central banking system has been established and majority of new
requirements can be added to it easily.
Modern services such
as Internet banking, ATM, POS, and Telephone banking are now provided through
channel management system (product of DPI) and other features and modern
servicing channels can be added easily
and quickly using this system.
Interest free current account
Interest free saving account
short term deposit
Payment of bills
Clearing (SAMA plan: electronic exchange of
copy of checks, inter-branch, inter-bank)
Exploiting backup account
Providing all banking services
Customer orientation and account centrality
Fast communication between customer and bank
Observing banking laws of Islamic Republic of
Capability of changing and setting based on
procedures of a special bank
Using relational data base (DB2)
Using three layer Client/Server architecture
Graphical User Interface (MS Windows GUI)
Using TCP/IP communication protocol
Full independence of communication platform
Z/OS operating system
VB, Cobol, Assembly programming languages
Three- Layer Architecture
Design of this
system is based on three layers and these layers are as follows:
Presentation Layer (PL)
Data Access Layer (DAL)
First Layer (PL)
This layer is in fact system User Interface
that is built with Visual Basic. It is standard exe with the responsibility for
communication with user.
An interface is
indeed needed to receive information from the user or to display the required
information to him.
This layer calls
functions of intermediate layer in order to send the request to the layer
underneath for execution.
Second Layer (Data Access Layer)
communication with the first layer and at the same time it is an interface with
the third layer (Data Layer).
Third Layer (Data Layer – DAL)
The functions of
this layer are used to communicate with the first layer. After receiving valid values, this layer
creates a communication socket according to the called function. Communication
socket gets suitable command including Insert and Update and control program
execution from the upper layer and sends it to RDBMS through Socket for
This layer is in
fact the lowest layer and is responsible for operation execution. Data base and
stored procedure are located in this layer and communication with this stored procedure
is established through Socket.
It is worth noting
that the third layer is the most important layer and all system operations are
somehow related to this layer. This layer includes all server activities and it
is very important in terms of security. Physical data exists in this layer and
its management is done by DB2.
Management of all
transactions is done by CICS. All system requests that are submitted to server
using socket are controlled and managed by a Listener program that is always
running on the server side.