Accounts Payable System
The Accounts Payable System (APS) provides comprehensive control of vendor purchase orders, payables and checks, and introduces a new level of automation for effective management of payables. APS complements the Fiserv ITI Premier System.
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Asset Liability Management
The Asset/Liability Management II System (ALM II) enables your financial institution to perform financial analysis and to automatically extract accurate data from its database, using PC technology.
ALM II features state of the art control in a Windows®-based environment, making asset/liability management as simple as clicking on a mouse. Whether the objective is interest rate "shock" analysis, gap management, or growth projections, ALM II has extensive graphic capabilities and on-line reports to examine and analyze data quickly and easily.
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ATM File Transfer
The Automated Teller Machine File Transfer Module (AFT) allows a financial institution's customers access to ATM's on a network whether or not the institution is a network member.
This module provides account information exchange with a remote ATM processor by data communication lines. With this data exchange, a remote processor maintains current account information which institution customers can access at ATMs on the processor's network.
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ATM Processing System
The ATM Processing System (ATM) provides automated banking services to financial institution customers, while accommodating a diverse set of alternatives in hardware configurations and operating procedures. Service and diversity characterize the Fiserv ITI ATM Processing System.
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Bill Payment Module
The Bill Payment Module (BPM) enables your financial institution to provide its customer a cost justifiable alternative to checks and postage. BPM automatically generates payments with verbal or electronic authorization from the customer. Payments can be authorized by the Internet, telephone or manually entered.
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Bond Accounting System
The Bond Accounting System (BAS) is a critical element in a well-managed and profitable investment portfolio. By providing reliable, concise information at the right time, BAS helps the financial institution reduce the risk inherent in securities investment.
BAS is a complete solution for the control and management of a bank's investment portfolio. BAS is highly flexible and supports all types of investments. It provides complete on-line access, on-line security control, transaction entry, automatic accrual, amortization and accretion, exception and analysis reporting, and standard operating procedures.
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Certificate of Deposit System
This highly flexible application automates the process of interest calculation and payment.
Interest
Interest rates for certificates of deposit can be compounded on a simple, daily, or continuous basis. The rates are adjusted through central rate parameters that contain nine interest calculation methods and up to 99 rates. Rates can automatically change at the end of an interest payment period or at maturity.
Interest may be paid monthly, quarterly, semi-annually, annually, or at maturity. The payments can compound on one frequency and pay on a different frequency. Customers can receive interest payments by check, credit to another account, or compounding. Interest checks are automatically produced at interest payment time for the appropriate certificates.
A Financial Institution can define parameters for its forfeiture calculations. Forfeitures can be automatically calculated and conveniently displayed.
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Check Image Processing
The Check Image Processing (CIP) module utilizes the latest in imaging technology to streamline research and enhance productivity in item processing, reduce mailing costs and to provide another competitive edge. CIP is a complete check management system that captures checks and stores electronic images, rather than the physical items themselves.
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Check Reconciliation System
The Check Reconciliation System (CRS) allows an institution to create fee income and attract new business by offering check reconciliation services to high volume checking customers. CRS automatically reconciles issued and paid checks and can be used to reconcile internal items such as official checks.
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Collateral Insurance Module
The Collateral Insurance Module (CIM) automates the process of reporting note collateral information to insurance companies. The collateral information is automatically transferred to tape in a standard format, which is accepted by the Van Wagenan Company.
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Connect3
Fiserv Connect3 is a powerful, flexible, real-time infrastructure developed to provide complete integration with a wide variety of financial information and with current and future delivery channels. This middleware enables a financial institution's customers to transfer funds between accounts, pay bills electronically, and view statements and registers.
Connect3 is the foundation for the Fiserv ITI electronic banking solutions. It supports products and services through electronic banking channels - Internet, telephone, kiosk, and private network.
Premier eCom
Premier eCom is a Fiserv browser-based Internet banking service that delivers personalized banking products and services, 24 hours per day, 365 days per year. The Bank's customers can quickly and confidently execute real-time financial transactions from any location in the world through the Internet. Customers also have the ability to access comprehensive, consolidated information about their financial holdings through a highly secure and accurate transaction processing environment.
Premier eCom brings customers real-time account and transaction information by communicating with the Fiserv ITI core account banking system through the Fiserv Connect3 middleware component of the Premier eCom system. Premier eCom updates balances for transfers and bill payments on-line as they happen.
Premier eCorp
Corporate financial managers continually need updated account balances and the flexibility to move funds quickly and easily. Premierecorp is a browser based Cash Management solution providing on-line real-time account access to your bank's commercial clients. Cash managers can view detailed information on current and anticipated cash position, including balances, holds, presentments, and transactions.
Clients can quickly and easily initiate transfers between accounts, create ACH transfers, make federal tax payments, conduct wire transfers, and stop payments. Clients can view presentations about other products and services and request additional information on-line.
Premier eLink
Premier eLink provides account aggregation and presentation by interfacing third party account information to the bank customer's account inquiry in Premier eCom and/or Premier eCorp. These secure interfaces allow your customer to view an entire financial account inquiry while encouraging them to use your web site on a more frequent basis.
Premier ePort
Premier ePort is middleware that runs on any application server that collects information from the Internet. By itself, Premiereport can collect any kind of information using a standard or customized HTML document (standard files are included in the Premier ePort package). Premier ePort can also collect information from an internal source such as ITI's Premier eCom.
With its versatile capacity for gathering data from a variety of sources, Premier ePort is an excellent foundation for launching an Internet strategy that suits the needs of your institution and your customers.
TeleBanc
Featuring a wide variety of services, TeleBanc provides a resourceful tool to any institution by allowing customers to: verify current account balances, transfer funds, request transaction information, inquire into current interest rates, order checks, place stop payments and leave messages for their banking representatives from any touch tone telephone.
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Credit Reporting Module
The Credit Reporting Module (CRM) reports borrower credit information utilizing industry standard metro-2 format to credit bureaus via disk file.
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Currency Transaction System
The Currency Transaction System (CTS) provides a financial institution with an efficient means to:
- Maintain a chronological log of all customer purchases of negotiable instruments using currency in amounts of $3,000 to $10,000, inclusive. Negotiable instruments can include bank checks, cashiers checks, travelers checks and money orders.
- Accumulate transaction information by customer to determine whether cash transactions by or on behalf of any individual exceed $10,000 during any one business day, and therefore warrant the filing of a Currency Transaction Report (IRS Form 4789).
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Data Communications File Transfer
The Data Communications File Transfer Module is used to transfer data by telecommunication lines rather than by magnetic tape. This multi-purpose product can be used for "cash letter" transmission, ACH format file transmission, and to transfer other types of data, including ATM transactions and account information.
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Debit Card Ordering Module
The Debit Card Ordering Module (DCM) automates the process of ordering debit cards. The module tracks expiration dates for customers' debit cards and when a card expires, it is reordered automatically. The module can also be used to replace lost or destroyed cards.
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Delinquent Child Support Module
The Delinquent Child Support Module provides a quick and easy method for reporting banking customers to the respective state agencies responsible for collecting delinquent child support payments.
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Demand Deposit Application System
This application provides basic debit and credit processing capabilities for checking account services. It accommodates money market, NOW, and other types of interest-bearing demand accounts.
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Express Item Module
The Exception Item Module (EIM), automates the processing of exception items. With EIM, a financial institution can significantly reduce the levels of time and resources required to process exception items manually.
Express offers on-line handling for NSF items, returned items, suspect stop pay items and non-posted items. Once these items are reviewed, EIM completes the follow-up accounting by reposting transactions or generating additional transactions, including service fees as necessary. The module also provides a high degree of control over exception items by creating a complete audit trail with reports and notices.
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Federal Call Reporting System
The Federal Call Reporting System (FCR) generates call reports quickly, simply, and completely. It gathers and extracts information from deposit, loan, General Ledger, and bond application databases. FCR accumulates account totals to create:
- A report in a format similar to a federal call report
- A data file that can be downloaded to a personal computer for:
Electronic transmission to FFIEC
Input into any PC-based call reporting system. Regardless of the output form, FCR eliminates the manual, labor-intensive process of gathering information. FCR works from specifications that establish the format of the call report schedules and forms, and the origin of account totals integrated into the reports. It gathers totals from the application databases and creates a complete report. On-line access allows manual adjustments to reported totals.
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Fixed Asset System
The Fixed Asset System (FAS) is the all-in-one solution for asset inventory control, automatic depreciation, general ledger integration, reporting and effective management of fixed assets. Fixed assets generally represent a significant percentage of total assets, and FAS works to maximize their rate of return.
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Holding Company Module
The Financial Management (FMS) and Asset Liability Management (ALM) systems feature a Holding Company Module which combines multiple institutions for reporting purposes. The reports produced from the Holding Company Module can be used to compare "like" accounts of the member institutions, as well as provide totals of combined institutions.
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Item Entry System
Proof - the most important process in a financial institution's day-to-day operations - is a process requiring complete control, from the moment transactions are accepted by the institution, through the balancing and distribution of all transactions. Control is vital and must accommodate the many needs of evolving financial transaction processing.
The Item Entry System (IES) is the core of Fiserv ITI's integrated transaction processing software systems and modules, accommodating Unisys DP-Series document processors and NDP-Series of networked sorters, and affording complete control of the proof process. The versatile, powerful, integrated, on-line features of the Item Entry System permeate all phases of the proof process, providing the flexibility and adaptability to manage all item processing needs, from multi-institution, multi-sorter environments to stand-alone remote item processing locations.
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Loan Custodial Module
The Loan Custodial Module (LCM) automates the accounting and reporting requirements for notes sold to investors. LCM controls the process, from the integration of borrower payments, allocation and reconciliation of funds to investors and tracking of remittances from custodial accounts to the production of reports.
LCM features accounting and reporting requirements for investors such as:
- Freddie Mac (FHLMC).
- Small Business Administration (SBA)
- Fannie Mae (FNMA) State housing authorities
- Ginnie Mae (GNMA)
- and other investors
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On-line Loan Collections Module
The On-Line Loan Collection Module (OLC) automates the process of collecting delinquent loan payments by standardizing collection procedures, developing a daily agenda for each collector and documenting collection activity. OLC offers information on-line and is integrated with the Fiserv ITI Premier System.
OLC helps organize the collection effort to reduce the number and amount of delinquent notes. Procedures which have proven effective for experienced collectors can be set up as standards to guide the efforts of all collectors. The procedures can control events such as the timing of the first telephone call to the borrower, the exact text and timing of follow-up letters and how long to wait before following up if a borrower's commitment fails to materialize. The standards help ensure proper steps are taken in the correct time frame.
Delinquent notes are automatically assigned to collectors. Complete note information is available for on-line review, and collectors can record their efforts on a real-time basis. The information displayed can include comments from telephone conversations, letters and payment history, and all note information available through the Fiserv ITI Premier System.
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Paperless Item Module
The Paperless Item Module (PIM) is a comprehensive system to manage and control ACH transaction processing via magnetic tape, data communications, or on-line input. PIM enables the Bank to become an active participant in the Automated Clearinghouse (ACH) system.
By using PIM, a bank can increase revenue through expanded services and decreased operating expenses due to less paper handling and document storage.
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Platform Transfer Module
The Platform Transfer Module (PTM) quickly and effortlessly assimilates account information from account origination or compliance systems into the Premier System. (These origination/compliance systems are typically stand-alone PC-based systems.) The manual effort required to re-enter new account information in Premier is eliminated. Known as your "electronic data entry clerk," the PTM process is quick, and has universal application within Premier.
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Premier Image Director
The Premier Image Director application is a powerful Microsoft Windows client/server application that offers fast, east and consistent access to a wide range of information by combining Report and Document archive into one system. This information is then fully integrated to the Premier core system as well as the PremiereCom Internet Banking solution.
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Premier Platform
Premier Platform transforms the platform terminal into a powerful marketing tool for customer service representatives to cross-sell products. During the new account opening process, service representatives have an excellent opportunity to inform the customer of the Bank’s broad range of products and services.
Premier Platform guides service representatives through a pre-determined product presentation that includes a general product category display, account category list, and in-depth presentation of the unique account characteristics, requirements, and benefits. The service representative tailors the presentation by emphasizing products based upon the customer’s responses.
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Premier Teller
The ITI Premier Teller integrates the latest advances in Windows-based software and network technology with branch teller workstations that are seamlessly integrated to the ITI Premier System. Premier Teller is a complete service delivery product with the stability, power, and flexibility of an integrated, enterprise-wide network that improves customer service and provides a broad range of financial services to customers. Premier Teller uses the latest 32-bit advanced operating systems to ensure long-term performance. This architecture addresses the changing role of the teller by multi-threading or multi-tasking transaction activity.
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Prime Data Warehousing
The Premier Prime data warehouse system capitalizes on client/server technology to deliver the Fiserv ITI application database to individual workstations for data exploration, reporting, and decision support. Data is warehoused on a Prime database server independently from the enterprise server. Client/server technology provides data exploration, reporting, and decision support at any time without having an impact on enterprise server resources or requiring assistance from data center personnel.
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Retirement Reporting Module
The Retirement Reporting Module (RRM) consolidates retirement account information from the Premier Savings and Certificate of Deposit Applications to provide on-line inquiry and comprehensive reporting. RRM projects required minimum distributions and generates customer statements, audit, exception and distribution eligibility reports, as well as controlling IRA reporting for IRS.
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Safe Deposit Box Module
The Safe Deposit Box Module (SDB) is a comprehensive system for managing and controlling a safe deposit box inventory and associated customer accounts. In addition to being a complete system for billing and collecting rent, the transaction-based SDB Module offers rent accrual and refunds, late charging, rent discounts and sales tax, miscellaneous fees and key deposits.
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Savings Accounting System
The Savings System enables a Financial Institution to provide a wide variety of savings accounts. The system accommodates accounts such as savings, individual retirement, passbook, and Club accounts.
Interest is paid to customers by check, compounding, or automatically crediting another account. If interest is paid by check, Premier automatically generates the check according to the account's interest payment cycle. Interest due can also automatically transfer into another account, or an ACH credit can be initiated. Club account checks are automatically produced at club payout time.
A financial institution can specify various savings account activities per service charge base. It can define the charge amount, posting order, and description for each service charge item.
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Signature Management Module
The Signature Management Module (SMM) maintains customer signatures on-line for verification at the teller line or as part of daily proof operations.
SMM quickly verifies signatures on large dollar transactions and provides instant on-line inquiries to simplify the process of verifying items requiring two signatures.
A customer's signature is digitized as it is scanned with an optical reader. The signature is stored on the enterprise server and is immediately available to all tellers.
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Stockholder Accounting System
The Stockholder Accounting System (SHS) provides the bank with the tools to monitor the purchase and sale of its stock. Up to nine different stock plans per institution can be designed to facilitate management of different common and preferred stock offerings.
SHS provides a thorough record of stockholders and stock plans. Cash and stock dividends are automatically disbursed. Certificate buys and sells are easily managed. Stock splits are easily modeled or actually performed. Proxy mailing and tracking is accounted for completely.
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Teller Terminal Module
The Teller Terminal Module (TTM) and TTM Device Interfaces (TTMIs) integrate teller and platform terminals to ITI's Premier System. TTM provides the information to improve customer service and make a broad range of financial services available to customers.
Teller terminals can be used for account inquiry, receipt printing, transaction entry, memoposting and passbook posting. Optionally, ITI's Teller Terminal Module interfaces directly to the on-line Signature Management Module (SMM). Premier Teller terminals interface directly to the Currency Transaction System (CTS).
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