procedures and operation of check processing

Procedures and Operation of Check Processing

Branches

Bank processing

centerSystem

Functions and Structure

•Reduces operating costs

•Create SOP

•Share hardware and software resources

•Visualize transactions

•Simplify processes

•Need less staff•Offer customer services

Centralization• The operation center deals with a large amount of information.

Operations require a lot of work hours and does not directly involve customers.

Standardization• Establish standardized operating processes to achieve work

specialization.

Automation• Introduce large automated facilities, assistance of information

technology, and combine operation and management systems.

Functions and Structure

customer

Branches

• Key in• Check

review• Scan

Bank processing

center• Cancellatio

n of deposited checks

• NSF checks• Monitor

branches

TCH

Bill for Collection Flow Chart

Check Clearing Flow Chart

Printed notice of unhonored checks

Paying bank uploads the details of the unhonored checks

scanCheck review

Clearing house

Preparing notice and unhonored check

Cross Verification of Bank Statement Data

Bills an

d Not

es D

elive

ryInform Customers

Branches

confirms NSF checks

Bank processing center

Monitoring Center for unhonored checks

Information center

Developments2004

• Centralized operation: Bill for collection

2014• Centralized

operation: check clearing

Future• Expand and

apply to other visualization-managed series of products