Click Bank Software

Click Bank Software

Main Features of Click Bank Software

Fully Menu Driven & User-Friendly System.
On-Line Context Sensitive Help
Multi-User On-Line System
Internal Backup / Restore Facility
Data Import / Export Facility
WINDOWS Based Fully Menu Driven
Unique Customer Number for Fast Account Opening.
Devanagari Support
3rd Core Platform Independent Supports O.S. like WINDOWS, WINDOWSVT, NOVELL, NETWARE, UNIX.
Interface with MODEM, DIGITAL CAMERA PASS BOOK PRINTER, PIGMY MACHINGS ATM etc
Developed Using Most Powerful Secured and Popular Database of ORACLE 8 I

SAVING MODULE

Master Information

  • Account Head, Accounts Name, Address, Phone no., Occupation, Business Type, Status (Individual / Firm / Joint /Company / Society) Minor, Sign / Thumb Impression, Photograph and others
  • Nominee Details, Minor, Relation with Accounts Holder; Guardian and Other General Information
  • Account Opening Date
  • Introduced By Account no.
  • Operating Instructions*
  • Standing Instruction
  • Cheque Book Issued
  • Stop Payment Instructions
  • Closing Date
  • Nominee

Transactions

  • Cash Deposit / Withdrawals
  • Credit / Debit Transfer Entry
  • Cheque Realized / returned (Bounced)
  • Cheque book issue
  • Stop Payment Instruction Record / Cancel
  • Account Freeze / Defreeze
  • Account Closing

Processing

  • Interest Calculations and Posting
  • Service Charges Posting
  • Cheque Return Charges Posting
  • Inoperative Account Monitoring; Transfer to Dormant Accounts

Processing

  • Customer Ledger
  • Identification of Demand Liabilities and Time Liabilities
  • Subsidiaries
  • Monthly Balances List
  • Cheque Book Issue Register
  • Stop payment Register
  • List of Accounts with Abnormal Balances
  • Accounts Opened and Accounts Closed
  • Service Charges Posted Register
  • Standing Instruction Executed / Unexecuted Register.
  • Balance Certificate Printing
  • Interest Certificate Printing
  • List of Minors Turning Major

CURRENT MODULE

Master Information

  • Account Head, Accounts Name, Address, Phone nos., occupation, Business Type, Status (Individual / Firm / Joint / Company /Society
  • Signature and others
  • Introduced By Accounts no.
  • Accounts Opening Date
  • Operating Instructions
  • Standing Instructions
  • Cheque Book Nos. Issued
  • Stop Payment Instructions
  • Accounts Due Date / Closing Date

Transactions

  • Accounts Opening
  • Cash Deposit/Withdrawals
  • Credit / Debit Transfer Entry
  • Cheque realised / returned (bounced)
  • Cheque book issue
  • Stop Payment Instructions Record / Cancel
  • Accounts Freeze / Defreeze
  • Accounts Closing
  • Over Draft Amount Validation

Processing

  • O.D. Interest Calculations and Posting
  • Service Charges Posting Cheque Return Charges Posting
  • Inoperative Accounts Monitoring Transfer to Dormant Accounts

Report

  • Customer Ledger
  • Subsidiaries
  • Monthly Balances List
  • Cheque Book issue Register
  • Stop payment Register
  • List of Accounts with Abnormal Balances
  • Accounts Opened and Accounts Closed Register
  • Service Charges Posted Register
  • Standing Instruction Executed / Unexecuted Register
  • Balance Certificate Printing
  • Interest Certificate Printing

LOANS AND ADVANCES MODULE

Master Information

  • Account Head Accounts Name, Address, Phone no’s, Occupation Business Type, Status (Individual / Firm /Joint /Company / Society) Member / Nominal Member, Director / Related to Director, Signatures, Photograph and others
  • Sanctioned Loan Amount
  • Disbursement Schedule, Dates and Amounts
  • Installment Amount
  • Installment Start Date
  • Accounts Opening Date
  • ACCOUNTS Due Date
  • Margin Money, Margin %
  • Security Details, Mortgage, in case of gold gross weight, net weight and purity % article numbers.
  • Purpose Information
  • Priority Sector (SSI/Cottage etc.)
  • Weaker Section (Caste)
  • Authorization loan Passing
  • Operating Instructions
  • Standing Instructions
  • Cheque Book Issued Nos
  • Stop Payment Instructions
  • Period Wise / Amount slab wise variable interest Rates

Transactions

  • Accounts Opening
  • Loan Disbursement
  • Cash Deposits
  • Credit / Debit Transfer Entry
  • Cheque realised / returned (bounced)
  • Cheque book issue
  • Stop Payment Instructions Record / Cancel
  • Accounts Freeze / Defreeze
  • Accounts Closing, Accounts Renewal

Processing

  • Interest Calculations and Posting
  • Penal Interest Calculations and Posting
  • Cheque Return Charges Posting
  • Insurance Expiry

Report

  • Customer Ledger
  • Subsidiaries
  • Monthly Balances List
  • Cheque Book issue Register
  • Stop payment Register
  • List of Accounts with Abnormal Balances
  • Accounts Opened and Accounts Closed Register
  • Interest Posted Register,
  • Interest reminders
  • Insurance Lapsing Report
  • RBI Reports (Amount / Priority / Weaker / Health / Authorization /Purpose Security / Director)
  • List of Overdue Accounts director wise
  • List of Over Limit Accounts
  • Pending Installments - List, reminders, notices
  • Balance Certificate Printing
  • Interest Certificate Printing
  • Defaulter list director wise
  • Guarantor list
  • Guarantor loan list
  • Dealer, RTO letters
  • Loan classification - Amount wise, interest rate wise
  • Notices to Defaulters, Guarantors

SMALL SAVING DEPOSIT MODULE

Master Information

  • Account Head, Accounts Name Address, Phone no’s, Occupation,
  • Business Type, Status (Individual/ Joint / Company / Society) Member / Nominal Member, Signatures, Photograph and others
  • Nominee Details, Minor, Relation with Accounts Holder, Guardian and Other general Information
  • Lien Information
  • Operating Instructions
  • Agent Information

Transactions

  • Customer Accounts opening
  • Renewal of SSD, Rollover
  • Repayment of loan through SSD Premature closing of SSD Accounts Closing of SSD on maturity
  • Daily entry of agent's collection
  • Weekly, fortnightly, periodic transfer of agent's collection to customer Accounts

Processing

  • Interest calculations
  • Commission calculations
  • Transfer of installments / amount to loan Accounts
  • Agent commission transfer

Report

  • Customer ledger
  • Accounts opening & closing register
  • Agent-wise customer report
  • Interest posted register
  • Service charge register
  • Agent commission collection report (Weekly, monthly)

GENERAL LEDGER MODULE

Master Information

  • Accounts Opening with Automatic / Manual Accounts numbering
  • Interest Posting and Provisions Accounts entry
  • Interest Posting Period Entry
  • Service Charge amount and Accounts for Posting

Report

  • Subsidiary
  • Cash book
  • General Ledger
  • Trial Balance
  • Profit & Loss Statement
  • Balance Sheet

DEPOSIT MODULE

Master Information

  • Account Head, A/c Name, Address, Phone nos., Occupation Business Type, Status (Individual / Firm / Joint / Company Society) Minor, Sign / Thumb Impression, Photograph and other
  • Nominee Details, Minor, Relation with A/c Holder, Guardian and Other General Information
  • A/c Opening Date, As of Date
  • Maturity Amount Chart
  • A/c Due Date/Closing Date
  • Lien Information
  • Pension, Dam Dupatta etc Schemes

Transactions

  • A/c Opening
  • Renewal of FD, Roll Over
  • Periodic Interest Payments
  • Repayment by Installments
  • Premature Closure of A/c
  • Closure of FD on Maturity

Processing

  • Interest Calculations and Posting for Long Term FDs
  • Tax Deductions
  • Recurring Deposits
  • Re-investment Deposits

Report

  • Customer Ledger
  • Identification of Demand Liabilities and Time Liabilities
  • Subsidiaries
  • Balances List
  • Renewal Notices
  • A/c Opened and A/c Closed Register
  • Tax Deduction Certificates
  • Certificate Printing
  • Interest Certificate Printing
  • FD maturity report
  • Deposit classification - Amount wise, period wise, interest wise
  • Graphical reports of deposits collected and interest paid slab wise, Schemes wise, month wise

CLEARING MODULE

Master Information

  • Clearing Members Sub-Members Details
  • Inward / Outward Clearing Instruments Entry Reports
  • Clearing Strips
  • Clearing House, A/c Position Statement
  • Inward Clearing Honored / Returned / Pending
  • Clearing Registers

SHARE MODULE

Master Information

  • Share Allotments
  • Additional Share Allotments
  • Share Transfer / Refund
  • Dividend Payment

Processing

  • Dividend Calculations

Report

  • I-form Register
  • J-form Register—
  • Share Ledger
  • Dividend Register
  • Dividend Warrants Printing
  • Unpaid dividends List
  • Local Script (Marathi) Support
  • Members List / Labels- Alphabetical / Share no wise / Branch wise / Voters List

SPECIAL FEATURES

Signature Scanning Also provision to store photographs & thumb impression
Pending Installments
Maturity Amount Reports
Single Screen Operation for all Accounts
Internal Backup
Till Date Interest Status
Easy to Understand Menu & User- Friendly Screens
Chairman Report
Online FD Printing
Online Cash Receipt Printing
Online Share Certificate Printing
Online Entry Level Validation
Training to Existing Staff and Assistance by Project Leader till Complete Online Transaction
Digital Camera to Capture Photograph
Locker Module
Liquidity Module
Reconciliation.
Balance Sheet Consolidation.
Liability Card.
Powerful Search Utilities.
Shift Wise Report Facility
Investment Register
Notices and Correspondence in Marathi
Supervisor Passing for All Operation
Entry Level Validation
Audit Trail of Each Entry in Master, Data and Transaction
Functional & Terminal-Wise Operations
Time & Period Based Data Locking.

SYSTEM AND DATA SECURITY

Password Management

Six level of passwords have been provided for users i.e., Operator, Supervisor, Manager & Directors, Administrator, Customer. In addition, there is a super password superseding all these passwords user with a valid password will be able to access the system.

Access Control

  • Counter based locking: Operators can be locked to work on a particular counter only
  • Function based locking: Operators/Supervisors can be given access to only specific types of accounts. i.e., Hypothecation and Cash Credit etc.
  • ID Level-Based locking: Operators have access to only enter Transaction & Masters. They cannot add/edit delete any GL account. Supervisors can pass the data entered by operators. All data validated by supervisors can only be edited by supervisors. Managers/Directors can only access reports. They cannot change any data. Customer can see only specific reports.
  • Data based locking. once day end process has been run. Nobody can edit/delete/add tranactions on that date
  • Amount based locking. Operators / supervisors can be given access only up to specific limits.

Audit Trail

Once passed by supervisors, any changing data is logged with operator and supervisor Ids. Also, all transactions have Date, Time, Operator ID, Supervisor ID recorded.

Power Fail Recovery:

The software has inbuilt powerful recovery procedures which attempts at recovering in case of data corruption due to power failures