Doocat is a multi-module Remote Banking system developed on a microservices architecture. It is multilingual and supports English, French, Russian, Chinese, Tajik and Vietnamese.
Doocat multifunctional platform consists of the following components:
user registration, login, cards and accounts, transaction history, payments and transfers, deposits, credits, templates, auto payments, transaction approval progress tracking, control panel, chat support, CMS.
Doocat registration can be carried out:
By the operator (a bank employee). During registration the operator enters the client's following data: email address, company data and personal data.
By the client himself. Once registered, the client can use the system with certain restrictions until identification.
By any other means in accordance with the internal procedures of the certain bank.
Doocat users have access to the following functions: check current balance, rename accounts, set a default account, hide new accounts, set account limits, view and send account information by e-mail or SMS.
Users can always get detailed information about their performed transactions, such as:
detailed information on completed transactions for the last three months, save in PDF format or print;
transaction electronic receipts;
send receipts by e-mail in PDF format;
print transaction history;
filter by transaction type (incoming or outgoing payments) for a certain period of time;
transaction history for each account;
Doocat makes available following information on Deposits:
interest accrual date;
Doocat makes available the following information on loans:
credit issue date;
next payment date;
fines and penalties (if applicable)
The system allows to make:
internal bank transfers;
transfers between your accounts;
transfers to other client account of the same bank.
currency transfers – between the user accounts only;
transfers to other banks;
transfers to government agencies - payment of taxes, duties, fines;
transfers from / to banks of the Russian Federation;
transfers to international banks;
payment of wages.
Thanks to Auto Payment module, transactions can be performed automatically on the defined date and time.
Users just need to set the payment frequency and amount. Afterwards, in case enough funds are available on the account, the payment will be automatically performed on the scheduled date and with the specified amount.
review of auto payment list;
removal from auto payment list.
The template module contains forms of completed transactions, which keep the fields saved with the already filled-in information, such as phone number, contract number, bank account, payment amount, etc. Templates of payments and transfers are created for convenient and quick execution of regularly recurring transactions.
review template list;
make internal and external transfers (between same bank accounts and to other bank accounts);
make payment for utilities and other services;
delete a template;
implement group payments according to a template;
save the template for Auto Payment.
Transactions in "Pending" mode: the category displays the operation type, who the operation was performed by, operation date, amount, approval phases, operation status (pending for authorized entity approval). If the operation is an auto payment, the auto payment details will also be displayed in the table.
Operator Panel allows bank employees to manage clients, companies, give permissions or apply restrictions on operations.
Operators are bank employees and are created in the admin panel. The administrator should fill in some personal data of the employee, such as name, surname, mobile number and email address, and assign “operator” status, which followed by creating an operator in the control panel.
Operator Panel supports following functions:
view company and its data
approved processes: grants the selected company employees with permissions or restrictions to perform certain operations, transaction amount, etc.
creation of legal entity client
editing an existing client
role assignment: empowering a particular position, editing
group roles assignment: creating groups, empowering a particular group, editing
The system authorizes users to assign permissions (roles) to their employees to proceed with certain operations. Each assigned employee is responsible for his own part of the transaction process, to confirm or to reject it. A transaction is successfully completed when it is approved by all assigned employees. In case it is not approved by any of them, the operation will not be completed.
The system consists of a module that displays the approval process of the operations, as well as stores information about rejected operations. For more information consult chapter 2.2.10. “Approved operations”.
Roles available for legal entity employees:
one-factor authorization system (at least 1 user). One user independently conducts all payment transactions.
two-factor authorization system (at least 2 users). One of the users enters the payment, and the second user authorizes it.
three-factor authorization system (minimum 3 users). The first user prepares the payment form, the second user checks, and the third user authorizes the payment.
account monitoring. The user is given the opportunity to check account statements, balances and print requested information on transactions.
Remote banking allows to flexibly configure rights both per transaction amount or type, as well as in regard to document types.