The corporate network of banks: the requirements

9 - The corporate network of banks: the requirements

Corporate network requirements

It is possible to allocate such requirements to a corporate network of Bank:

combines in a structured and controlled closed system all information devices belonging to the Bank: individual computers and local area networks (LAN), host servers, workstations, telephones, faxes, office PBX, ATM networks, online terminals;
provides reliable operation and powerful information security systems; ensures trouble-free operation of the system both in case of personnel errors and in cases of unauthorized access attempts;
provides the adjusted system of communication between Bank branches of different level (both with city, and branches in other cities);
in connection with modern trends in the development of banking services (for example, telephone service, round-the-clock access to ATMs and on-line terminals, the development of networks of high-speed payment terminals in retail outlets, round-the-clock operations with customer shares), there is a need for Bank-specific telecommunication solutions. The organization of prompt, reliable and secure access of a remote client to modern banking services becomes essential.
The architecture of the corporate network

Today, the most common in European countries and relevant for domestic banks is the topology “star”, simple or multi-level, with the main office in the center, connected to regional offices. Its advantage is determined by such factors.

9 - The corporate network of banks: the requirements

Factors affecting banking

first of all, the structure of banking organizations (the presence of regional offices and a large volume of transferred between them);
high cost of renting communication channels. But when organizing communication with remote branches, dial-up telephone channels are practically not used. High-speed, high-quality and reliable communication lines are needed here;
in the countries of Eastern Europe and the CIS, an additional factor influences the use of the Zvezda topology – the underdeveloped telecommunications infrastructure and the associated difficulties in obtaining a large number of communication channels by the Bank. In these circumstances, it is particularly important to introduce cost-effective solutions that exist on the world market, and sometimes specially adapted to the conditions of developing countries.
So, when there is a need to connect regional offices with each other directly, the topology “each with each”becomes relevant. The content of this topology is characterized by increased reliability and minimal risk of overloads. Numerous mixed topologies are practically implemented, as in the case of a “decentralized head office”, where different departments of the Bank’s Central office (settlement, credit, analytical, technical or any other) are located in different houses.

In some European countries, there are national configurations where corporate networks of individual banks create a “superstar” with an interbank settlement center, which acts as the top of the telecommunications banking hierarchy. This issue is directly related to the choice of the interbank settlement system and will be discussed below.

Integrated data transmission

Briefly consider the decision of the company RAD Data Communications, traditionally focused on the European market.

The main trend of modern development of banking networks in Europe, as well as corporate networks in General, is the transition to integrated data transmission and oral speech (according to expert estimates, integrated traffic in 1996 amounted to 72% of the total-against 22% in 1989). Data, voice (telephone conversations), faxes and video information are transmitted by the same channel, which provides multiple reduction in the cost of renting or laying channels. ATM NETWORKS are increasingly playing an important role.

Technically, this is done by multiplexing the integrated transmission and subsequent demultiplexing of individual information flows. Different classes of multiplexers allow the integration of information flows of various size coming from as small field offices and major regional offices channels from 9.6 Kbit/s to 4.096 Mbit/s and above.

In specific implementations, it is possible to use additional built-in multiplexers mechanisms that increase the efficiency of the communication link. Multiplexers with the Day/Night configuration Extension work taking into account the difference in the nature of day and night traffic (more voice channels-during the day, and data channels – at night). Adaptive multiplexers allocate the entire line of the voice channel for data transmission if there is no voice traffic.

The mechanism of dynamic distribution of the transmission line through the channels increases efficiency by tracking their status: the transmission line is divided into “active” channels if necessary. Further, thanks to the special technology of silence wireless, other data streams, voice, faxes and LAN traffic are transmitted during breaks in telephone conversations.

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