Cheque Book Issuance Controls

End-to-end validation from request to delivery

Mobile App Requests
BPM Workflow
CBMS Issuance
Signature Validation
Key Business Requirements
Our digital controls ensure seamless and compliant Cheque Book Issuance:
  • Perform thorough Eligibility & Prerequisite Validation for all requests.
  • Achieve accurate Multi-System Reconciliation across the issuance workflow.
  • Ensure strict SLA Compliance Monitoring for approval and delivery times.
System Architecture & Workflow
Multi-system integration for cheque book lifecycle management

MOBILE APP

Customer Requests
Request Tracking
Delivery Status

BPM WORKFLOW

Approval Workflow
Status Tracking
Delivery Management

CBMS

Cheque Book Registry
Serial Management
Issuance Tracking

VALIDATION

Core Banking
Ethix System
Signature System

Request to Delivery Workflow

1
Customer Request
Mobile App
2
Eligibility Check
BPM + Core Banking
3
Approval Workflow
Maker-Checker
4
Cheque Book Creation
CBMS
5
Delivery Dispatch
Courier Partner
6
Delivery Confirmation
Customer Receipt
Data Masking & Test Framework
Secure customer data handling for testing environments

Production Data Sources

Mobile App DB
Customer Requests
PostgreSQL
BPM System
Workflow Data
Oracle
CBMS
Registry Data
MySQL
Core Banking
Account Data
DB2

Sensitive Production Data

customer_id: CUST789012345
account_number: 98765432109876
delivery_address: 123 Main St, Mumbai
phone: +91-9876543210
cheque_serial: CHQ2024001234

Masked Test Data

customer_id: TEST_CUST_001
account_number: XXXX-XXXX-XX-9876
delivery_address: Test Address 001
phone: +91-XXXX-XX-3210
cheque_serial: TEST_CHQ_001234

Synthetic Test Scenarios

New Account Holders
First-time cheque book requests
High-Volume Customers
Multiple requests per month
Edge Cases
Blocked accounts, signature issues
Test Data Scenarios
Extensive test cases covering various customer profiles, system integrations, and operational scenarios

Standard Customer Profiles

New Account Holder
Account Age: 3 months | Type: Savings | Balance: ₹25,000
Expected: First cheque book approval, standard delivery
Premium Banking Customer
Relationship: 5 years | AQB: ₹10L | Status: Premium
Expected: Priority processing, express delivery option
Senior Citizen
Age: 68 years | Account: Pension | Special Category: Yes
Expected: Waived charges, home delivery preference
Corporate Account
Type: Current | Signatories: 3 | Monthly Volume: High
Expected: Multiple signatory validation, bulk issuance
NRI Customer
Location: Dubai | Account: NRE | Address: International
Expected: International courier, extended delivery time

Special Case Profiles

Joint Account Holders
Primary: John Doe | Secondary: Jane Doe | Operation: Either/Survivor
Expected: Both signatures required, dual authorization
Minor Account
Age: 16 years | Guardian: Father | Account: Minor Savings
Expected: Guardian approval, limited cheque book
Trust Account
Type: Charitable Trust | Trustees: 5 | Purpose: Education
Expected: Trustee resolution, compliance verification
Dormant Account Reactivation
Last Transaction: 18 months ago | Status: Recently Reactivated
Expected: Enhanced KYC, signature re-verification
High Net Worth Individual
Portfolio: ₹5 Cr | Relationship Manager: Assigned | Priority: Highest
Expected: Personalized service, premium cheque book
Multi-System Reconciliation
Ensuring data consistency across all systems

Mobile App → BPM

Check: mobile_request_id IS NOT NULL AND bpm_request_id IS NULL
Impact: Customer requests not processed by workflow system
Alert: Immediate notification to operations team

BPM → CBMS

Check: bpm_request_id IS NOT NULL AND cbms_request_id IS NULL
Impact: Approved requests not issued as cheque books
SLA: Must be resolved within 24 hours

CBMS → Mobile App

Check: cbms_request_id IS NOT NULL AND mobile_request_id IS NULL
Impact: Cheque books issued without customer request
Action: Investigate potential fraud or system error

Reconciliation Dashboard

98.5%
Mobile → BPM Match
97.2%
BPM → CBMS Match
24
Pending Reconciliation
3
Critical Exceptions

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