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© 2008 Fasma ECHECK Web-based Work flow, Credit Management Application and Settlement System » eCheck demo site » project overview » auto ranking Reduce your costs, Credit check, Scoring, increase production capacity and dramatically shorten title production and settlement processing time. We'll show you how our workflow management, collaboration, and processing automation can transform your business and differentiate you from the competition. The time has come to pull away from the pack. eCheck is a comprehensive Web-based work flow, credit check and settlement system. eCheck automates the process of transaction management. Technically speaking, eCheck is a hosted system that enables companies, financial institutions, buyers and sellers to interact more effectively. eCheck is developed in .Net and use Microsoft SQL Server. Helped by powerful Microsoft additional tools Reporting Service and Analysis Services. That's advanced Microsoft tools gives to the eCheck system real time Business Intelligence modules. » Merchant application » Scoring » Credit file » Bank page » Merchant window » Product Summary » Operating Environment » Implementation, Training and Support » ASP .Net Information » General Information » Modules Merchant application » Application form » Based in Unicode technology for instant translation » After adding your name is connected with a credit check engine » You can choose the fields you want to be connected with a scoring engine » Instant Scoring » Instantly checks your ID The operators fill up the online application. The application includes check on the ID of the person and the operator has instant access to the person’s loan capabilities. » top « Scoring » top « Credit file A full credit file for the credit operator; after checking the customer, the credit operator adds his rating with comment. » top « Bank page Full credit file for the bank credit officer. Full credit file including the rating and the scoring; just have to press Approve, Reject or Waiting and send the message for additional papers to the shop operator. » top « Merchant window Merchant can have the approval in few minutes » top « Product Summary Mode of Delivery: Hosted Application (ASP .Net) Distinguishing Features: eCheck Application Summary: - No additional hardware to purchase / easy-to-use interface - Supports multiple underwriters - Automated settlement processing for paper and electronic mortgages - Instant closing fees estimates and price quotes - Online document library with automated document preparation - Ability to turn fax documents into Web documents - History and versioning - Advanced financial features - Vendor dispatch and coordination - Integrates with third-party vendors Target business size: Any from 1 up to 600 users » top « Operating Environment Operating Systems Supported: Microsoft Platform .NET and SQL 2000 data base Notes: There is no special hardware or software to purchase. All you need is a computer and an Internet connection. eCheck is a Web-based system. Databases Supported: Microsoft SQL (and Oracle database for the next version) Notes: There is no special hardware or software to purchase. All you need is a computer and an Internet connection. eCheck is a Web-based system. » top « Implementation, Training and Support Implementation Description: IT Provider installation and configuration. Notes: Minimum Impact on IT resources. Training Description: Training is required - training from the Company/Reseller is necessary. Support Description: - Web site support - product support questions, knowledgebase, are available at the company Web site. - E-mail support - questions can be sent directly to a support staff for review. - Telephone support - calls can be placed directly to a support staff. Notes: - Built-in Help Menus provide online screen and functionality support - Receive customer support (by phone, e-mail and Web) eCheck does not require its software to be installed onsite at the customer's location. If you have Internet connection and a Browser you are good to go! » top « ASP Information Additional hardware or software requirements: NO » top « General Information Partnerships or affiliations that add value to this solution: eCheck is fully integrated with the following services: - Nationwide consumer and business search database - used to calculate debts owed and others. - Nationwide company search database - used to verify legitimate property addresses. - Credit Check for company and consumer - Scoring for companies and individuals. - Preaproved loan with agreement with a local bank Software customization options: Application modification can be done to localize in any new market Available Languages: Unicode platform This product can been installed in Banking, Finance and other Industry Specific. » top « Modules Module Description 1. Application Questionnaire CNP validation Credit requests history Data Dictionaries Data type validations Field constraints 2. Score Calculator Prescoring Automated scoring calculation Auto Reject/ Preapprove Rules 3. Payment Module Monthly Payment System Payment in advance utility Overdue payments calculator Reimbursement Plan recalculation 4. Reimbursement Plan Annuity calculator Monthly Principal & Interest Calculator Maximum Amount calculator DAE calculator Bank commission calculator 5. Contracts Management Questionnaire Credit contract Credit Bureau verification accord Reimbursement Plan Eligibility form 6. Company and Institution Search Credit System and Ministry of Finance Database Automate search into the database 7. Reports and Documents Highly customizable reports Filters Multiple format support Automated generation of reports 8. File Upload System Image Processor Multiple formats Multiple files simultaneous upload 9. Concurrent Credit Bureau Requests and Negatives Verification Access to sources of Positive or Negative data Possible interrogations to - - Creditinfo negatives - - Credit Bureau - - CRB - - Black-lists Retrieving data through different channels: web-services, SQL wrappers, XML data feed 10. Credit Requests Workflow Management Multiple Products Customizable Workflows Application History Advanced Navigation utility 11. Labels Module Advanced browsing HTML editor Picture support Image processor 12. Security module Secure internet connection (https) Users accounts Groups management Access rights management per user Logs Module Encrypted accounts information Biometric Access utility Digital Signature Layer 13. Automated Checking and Ranking Automated checking into Creditinfo repository Automated data merging Automated Ranking Codes and comments 14. Full History for declared data Analysis tool for credit officers Data checking within all sections of the application form Standard tool that can be customized according to the business requirements of the Financial Institution Comparison of data with previous declarations 'Life' of application 15. Possible Fraud Analysis Analysis and comparisons with other credit applications For Guarantors, Addresses, Spouse and much more Automate search into Creditinfo database Reports with top fraudulent persons and companies Warnings for discrepancies declared data against CreditInfo or other third party repository 16. Extended Analysis Reports Business Intelligence reports and data analysis Demographic reports Fraud reports - based on fraud rules Customizable Workflow eCheck was developed on a modular basis, therefore the system's workflow can be adapted to any kind of product or requirements according to the loans policies of the Financial Institutions. Multiple Products There is no more need for different software applications or different users to execute concurrent tasks for different products. This is a great tool that brings added value to your business as the system can process applications for different products at the same time. History Tracking and Fraud Reports The system keeps a history of all the data declared, therefore any mistake or even dishonest declarations done when filling the application can be revealed. Moreover, eCheck has also a database with all the interrogations to the Creditinfo negatives, Credit Bureau, CRB and the black-lists of the Financial Institutions. Automatically searching for all the necessary information, the system generates Fraud Reports to help minimize risk. Automated Checking and Ranking The system automatically checks the data declared within Creditinfo Repository, displaying the differences found between them. According to these differences, the Auto-Ranking tool creates comments and generates a series of codes. These codes are customized, taking into account the Financial Institution requirements. Online Payment The installments can be paid through eCheck's Payment module. The client is thoroughly informed on commissions, annuities, payments he has done and what remains to be paid, as the system offers comprehensive reports and reimbursement plan recalculation. Prescoring and Scoring Taking into account the DAE calculation and all the BNR regulations, eCheck provides a customizable set of parameters for the calculation of the Prescore based on the information declared on the credit application form. The Scoring calculation is more comprehensive as it is automatically generated by Credit System not only quantifying the data declared in the application, but also verifying the consistency of the data according to the Bank's credit policies on loans origination, administration and approval. BI reports Through advanced data analysis, the system generates Business Intelligence reports such as Demographic comparisons and evaluations of the customers on criteria such as income groups, counties, credit amounts and many others. They provide an important feedback on the business evolution and great information to improve sales and efficiency on the market. » top « » 14.05.2008 The contract with ICAP a new ... read » 20.01.2008 The Ukrainian subsidiary of Societe ... read » 19.11.2007 The second edition of TECHOBANK read » 22.10.2007 American Express - a new product especially ...read » 19.10.2007 FASMA renews its ISO 9001:2001 Certificateread » 11.10.2007 Agroind Bank uses Debt Manager System ...read » 01.10.2007 Societe Generale uses our Debt Collection...read » 15.09.2007 Alphacredit, a company founded by Fasma read » 17.09.2007 FASMA aims the software insurance marketread » 01.09.2007 The Ukrainian subsidary of Societe ...read » 15.08.2007 Dun & Bradstreet continues to trust our ...read » 20.07.2007 For the 3rd time in The Microsoft Certified Program read » 22.05.2007 Collector's success to BRD Finance IFN S.A read » 07.03.2007 Fasma to the IT&C Bowling Cup ... read » 20.02.2007 Garanti uses the Auto-Ranking Systemread » 01.02.2007 New business opportunities in Cyprusread » 15.01.2007 FASMA signed the contract with BRD Finance... read » view news archive company presentation More than 1,600 applications per day Why Users use eCheck: » The Online Application form eliminates unnecessary manual processes » Increase accuracy of decisions by considering credit score and additional credit data » Increase sales and revenues » Strategic accounts that want to automate decisions beyond the score without building a custom solution from scratch » Increase accuracy of decisions by considering credit score and additional credit data » Instantly Decision Score » Daily activity reports list all transactions during the day » Any business that wants the ability to pre-approve, cross-sell and up-sell products at the point of transaction » Minimized application turnaround time » Improved customer service Using eCheck companies can: » Automate settlement processing for paper, all done digitize » Instantly generate estimated credit fees, Credit and Scoring » Review and print documents. » Centralize contract documents for secure viewing by all appropriate parties » View a complete, traceable history of all user activity by storing and tracking every version of all documents, » Plus more! Currently used all around Romania by big names as Altex Network, Germanos Network, CG & GC Intelligent Technology, ALLISO NET SERV, ARCAS TRADE, Avenir Telecom-Internity, BRAVO COM, CHRIS EXIM, CIP-SAVIN, COMATEX, Computers C&C, CORAURA, CRISTIAN SRL, Cryalmo, EDF, EURANIS, Expert Center SRL, FLO & ANDO GRUP, Gama DMG Mangalia, General Pyt, LUVI TRADE, SELF GEPI, Skyfon B Mobile, Tech Center, Tel Sim Verba, TORKAS, VEGASTEL, VEM-SRL, XTEL.