4. ACH
ACH covers payment instruction exchange among FIs,
specifically direct credit and direct debit.
ACH receive payment instructions all time, except
system maintenance time.
Calculation of instruction is simultaneously conducted
when ACH receives instructions from FIs.
Calculation of net position will be conducted at the
designated time (DTNS); the result will be settled by
RTGS*.
ACH will receive payment instructions via STP GW and
Automatic Data Exchange function (as below)
* Frequency of settlement will be defined by CBM
5. Cheque
Truncation
Receive payment and image data from the presenting
bank, net the payment data, and send payment and
image data to the issuing banks. The result will be
settled by RTGS*.
Thirty-one cheque image scanners will be provided to
CBM for use of FIs
* Frequency of settlement will be defined by CBM
6. Anti-money
laundering
function
AML that detects and suspends suspicious transactions
should be responsibility of FIs and will NOT be
introduced to systems in CBM.
7. Alert and
dashboard
function
Basic alert (such as received messages, large amount
transaction) and dashboard (such as operational data,
financial data) functions will be implemented to CBM-NET
Further functions will be implemented by the PSSD System
(System for supporting PSSD business) with data from
CBM-NET
8. Disaster
recovery
9. Redundancy of
the data
Table 3: System scope of Infrastructure
A remote Disaster Recovery (DR) site for CBM-NET8
will be set up at Nay Pyi Taw head office with active
standby (that can activate immediately).
Data of CBM-NET will be replicated asynchronously by
database functions.
The target RPO (the expected time gap between backup
file and original file) will be Near-zero9 and the target
RTO (the expected time to be restored) will be 2 hours.10.
Database servers are configured with the HA function (a
failure response mechanism), SAN storage provides
redundant elements to avoid single point of failure
(SPOF), and data is backed up daily.
8
CBM-OA, MCH and Accounting System will not be set up at the DR site.
This may vary depending on the quality of network connection
10 The RTO will be determined after verification in an actual environment
9
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