Status "Accepted by ABS" (Sberbank) - what does it mean?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

An efficient automated banking system (ABS) is needed to manage a credit institution. Its development is carried out by domestic and foreign specialists. The speed of information processing and notification of clients about the completion of transactions depends on the quality of the system functioning. It is she who displays messages like “ABS Accepted” (Sberbank). What this means, you will learn from this article.

Structure

ABS consists of core and modules. Their number depends on the needs of the bank in data processing. The main requirements for the system are reliable information protection, prompt data collection, and the ability to make quick decisions.

The key element of the system is the cash management module. It contains all ongoing payments and assigns them the status of "Accepted by ABS", "Rejected", "Delivered", etc. Based on this data, reports are then generated and submitted for verification to the Central Bank. A module is purchased for each individual operation. All of them can be made by different manufacturers, but must be subject to the same ABS.

Introduction

Part of domestic banksoperates on ABS of its own design. Only large organizations with a large staff of IT specialists and a substantial amount of investment can afford this. The payback period for such systems is 1.5-2 years. Such a solution has disadvantages. Firstly, the low quality of studies, which do not allow tracking changes in conditions in the future. Secondly, in such ABS, accounting and management are practically not integrated into separate programs. Thirdly, the creation process can take a long time if several specialists work on the same project. On the other hand, such automated banking technologies are completely exclusive and prepared for one organization.

Many people think that it is better to buy a ready-made software product and then adjust it to fit the system. The developments of domestic specialists can be purchased for 15 thousand dollars, foreign - ten times more expensive.

Bank-Client System

A striking example of the functioning of the ABS is the "Personal Account" of users on the website of a credit institution. All processes, from registration in the system to viewing the history, are carried out in close cooperation with the ABS. Consider this process using the example of sending a payment order in the Sberbank-Online system.

Document generation

First of all, you need to create a payment order by entering all the details of the recipient into it. Automatic banking technologies are designed in such a way that each stage of document formation is assigned a uniquestatus:

1. "Control error" - the generated document at the saving stage did not pass the check for filling in all fields.

2. "Imported" - the payment order was transferred from the accounting program.

3. "Created" - the document was successfully generated in the "Client-Bank".

You need to select a payment order. Additional buttons are activated in the top column of the menu. Among them, you need to select "Signature". If several payment orders were generated at once, then before conducting them, it is worth clarifying the details. Pre-checking documents saves users from further errors. It is very difficult to cancel a payment after it has been sent for execution. And if the operation goes through, then the money will be returned to the account within three days.

Submission for processing

After creation, the document must be assigned an electronic signature of all authorized persons. At this stage, you must enter the password specified in the SMS. The "Bank-Client" system assigns the status "Signed" to the payment. Now the payment order can be sent to the bank. There is a special button on the toolbar for this. Further, the application is assigned the intermediate status "Added". This means that the documents are being checked. After its completion, the payment is considered accepted and sent for processing. The application can be canceled until the status "Accepted by ABS" (Sberbank) has been assigned to the document. What does it mean? Documents will be removed from the posting queue. Money is not debited from the account. After the settlements, the document is assigned the status "Completed".

Additional statuses

Documents can also be at the following stages of processing:

• "Delivered" - the document has been sent to the bank and is at the stage of passing checks. This process, according to internal regulations, can take a whole business day.
• "Accepted" - the payment order has passed all verifications and is sent for unloading to the ABS.
• "Suspended" on recall command. Such a document may be revoked or accepted by ABS (Sberbank). What does it mean? The application is re-assigned the same status on which processing was interrupted.
• "Unloaded" - directed to further checks.
• "Accepted by ABS Sberbank". What does it mean? The document is in the last stage of processing.
• "Card file number 2" - there are not enough funds on the client's account to complete the operation.

Final statuses

• "Removed from existing documents."
• "ASP is incorrect" - the document is not signed by the bank.
• "Property error".
• "Fulfilled" - the funds have been transferred to the recipient's account.

New version of the mobile application

You can track the status of payment orders in detail only through the "Personal Account" on the website or through the "Client-Bank". Through the mobile application, you can generate and view the history of completed applications. For individuals, this service provides other interesting opportunities.

In March 2015A new version of Sberbank-Online was launched for Android owners. Of the main innovations, it is worth noting the built-in antivirus, which checks not only the application, but also the smartphone itself. If threats are detected, the program will not start. Through the application, you can carry out all the required operations, from paying utility bills and replenishing a mobile phone, ending with the transfer of funds to another account in the territory of the Russian Federation. This is a real "bank in the palm of your hand."

The application still starts after entering a unique five-digit code. The improved interface allows you to pay taxes and fees in one click. Through the program, you can find out about the presence of fines in the traffic police. You only need to enter your driver's license number. If there are any, then they can be redeemed directly through the smartphone.

Another important innovation. The program automatically analyzes the version of the operating system on the smartphone. If the official firmware is installed, then the application will be updated regularly, constantly expanding the set of tools used. But if a modified OS is installed on the gadget or the user has root access, then the service will work in a lightweight mode, without updates and improvements.

Conclusion

A payment that passes through Sberbank is assigned a certain status at each stage of its existence. By its name, you can determine at what stage the process of transferring funds is, whether there are any errors. Paymentthe order must be created, then signed and sent for processing. After the successful completion of these processes, the document is submitted for execution. This is what "ABS accepted" means.