Cyclos

4
Features

Cyclosisafeaturerichonlinebankingsolutionthatiseasytouseandmaintain,
flexible,secureandhighlycustomisable.Cycloscomeswitharangeofbankingand
paymentoptions,acompleteecommercesystemandhighandlowendmobileaccess
channels.Themobilechanneloffersascalableandcheapopportunityforbanksto
enlargetheirofferbranchlessbanking.

Cyclosisusedbylocalbanks,C3networks,MFI's,barters,communitycurrenciesand
timebanks.ThedynamicstructureofCyclosallowsorganisationstobuildadedicated
paymentsystemfromscratchjustbychangingtheconfiguration(withoutthehassleto
makecodechanges).

ThisdocumentprovidesyouwithanindepthlookatCyclosfeaturesets:

Cyclos4featurelist Cyclos4systeminformation
Providesadetailedoverviewofthe Informationaboutstructuralissues
manyfeaturesofCyclos4.Anasterisk concerningCyclos(architecture,
isplacedafterthefeaturetoindicate: security,interoperabilityandhosting)

*
Plannedfeatures
**Researchinprogress

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Userinterfaces&access Payments
WebInterface Bankingpayments
Pluginforwordpressintegration Internalpayment(betweenownaccounts)
MobileApp(Android,iOS) Payexternal(nonregistered)user
MobilePOS(Android,iOS) PINlesspayments(optionalthresholds,e.g.max
WebPOS paymentamountanddailylimit)
SMSoperations Paymentrequests
APIconnectivity Bulkpayments
POS&Cards(NFCsupported)
* Multileveltransactionapproval
IVR

* (authorizations)
USSD* Viewauthorisationflows
Showtransactiondetails
Userfunctions Cashincashout payments
*
Registeruser Qualifytransactions
Profilecompletionprogressbar
** Viewqualificationofotherusers
Updateprofile Rollbackpayments
Multiplepicturesperprofile Scheduledpayments(installments)
Multipleaddresses Loanrepayment *
Userdefinedlanguage Invoicepayments
*
Geolocationperaddress(GoogleMap) Webshoppayments
Multiplephones
EnablephoneforSMSbanking Banking
Managepasswords Multiplecurrencies
Insert&managecustomimages Accountnumbers(ownformatorstandard,e.g.
Upload&managedocuments IBAN)
Notificationpreferences(perchannel) Loans
*
Managecontacts Demurrage
Userdirectorysearch Interest
Showusers/businessonMap Transactionfees
Searchusersbydistance Setcustomconditionsforfeeapplicability
Searchusersbygroup/branch Scheduledfees(contribution)
Businessreferrals Brokeringfees
Customuserforms Groupcreditlimit
Customuseroperations Individualcreditlimit
Creditlimitchangelog
Usability Creditoverview&search
Easynavigation Savingsaccounts
*
Personaldashboardpage Minimumpaymentamountperpayment/day
Quickoperationicons Maximumpaymentamountperpayment/day
Quicksearch(users,contacts,adverts) Restrictdestinationofpayments
Statusoverview(balances,lastlogin,etc.) (accounts,users)
Realtimenotifications Accessrulesperpaymenttypes
UniquetransactionIDpertransaction

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LoginwithuserID,phonenumberoremail Custompaymentfields
Pictureviewerwithnavigation Uniquepaymentsettingsperchannel(SMS,etc.)
Viewhelpfile Systemaccounts(debit,community,etc.)

Systemconfiguration Usermanagement
Multinetworksetup(sharedinstance) Registeruser
Definebranches(groupsets) Disconnectuser
DefineURL(domainname)fornetworksand Block/unblockuser
branches Disable/enableuser
Setgroupandbranchvisibility Deleteuser
Localisation(language,formatting,timezone) Changegroup
pergroup/branch Giveindividualpermissions(product)
Setpermissions Performactionsinbehalfofuser
Createlocalaccountadministrators Activatependingusers(publicregistration)
Customisedfiltersforusersand Sendmessagetouser
advertisementssearches Sendmessagetogroup
Createnewaccesschannels Viewconnectedusers(peruserrole)
Definegeneratedloginname Showmemberactivities
Filterbybranchregion
Agents/Brokers CRMfeatures(userrecords)
Multiplebrokerperuser Usercomments,historysearch
Defineregistrationagreement
Setmainbroker
Viewuseragreementhistory
Registernewusers
Viewprofilechangeshistory
Manageuserdata
Managedocuments
Print&exportusers
Uploaddocuments
Performoperationsasuser
Showagents/brokers
Definebrokerpermissions
Showusersofagent/broker
Sendmailingtomyusers
Viewconnectedusers
Receivenotificationsaboutusers Accountinformation
Managepasswordsofuser Viewaccountsummary
Manageuseraccess Viewcurrentbalance
Brokercommission Viewcharges&fees
Viewpaymenthistory
Accountoperators Print&exportpayments
Searchpayments(user,date,description,etc.)
Createmanageoperatorgroups(bybusiness
Viewpaymentdetails
typeuser)
Printpaymentdetails
Definepermissionsforindividualoperatorsor
Dynamicpaymentfilters
operatorgroups
Viewaverageageofaccountbalance
Operatorsoverview
Viewaveragematurityofaccountbalance
Showtransactionsperoperator
Disconnectoperator

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Contentmanagement Marketplace
Intuitivesitedesign(colorpickers) Create/editadvertisement
Multiplewebsites(pergroup/branch) Multiplepicturesperadvertisement
Createnewmenuitems Richtextforadvertisementediting
Managecontentpages Scheduleadvertisement
Create&managebanners Selectaddressperadvertisement
Managefooters/headers Customsearchfilters(e.g.offers/demands)
Managemessageboard Listnewadvertisements
Uploadlogos Categorybrowsing
Definelogo/headerforpdfpages(e.greports) Multipleadvertisementcategories
Createnewthemes(styles,colorsandimages) Createadvertisementcategories
Import/exportthemes Geolocationsearch(distancefilter)
Contactseller
Translations Publicadvertisementquestions/answers
Multipletranslationspersystem Notificationonadvertisementstatuschange
Incrementaltranslationkeys(onlysave Customadvertisementfields
customisations) Advertisementmatchingnotifications
Onlinetranslationmanagement
Categorybrowsing Shoppingcart
Searchfortranslationkeys/values Multistoremanagement
Updatetranslationkeys/values Stockmanagement
Outofstockwarning
Systemmanagement Productnumbermanagement
Createnetworks Definedeliveryaddress
Createsystemadministrators Defineshippingmethods/prices
Createmultinetworkadministrators Defineestimateddeliverytime
Fullyindexedsearches Promotionalprice
Setsessiontimeout Pricenegotiationprocess
Createnew(custom)accesschannels Displayavailablequantities
Create&managedocumentcategories Productcomments
Importusersfromfile Ordertracking
Createnewcredential(password)types Addcommentstoorder
Searchenginesubmission(SEO) Displaycartcontent
Placeorder(checkout)
SMSbanking Accept/rejectorder
RegisternewuserbySMS Ordernumbergeneration
Viewpurchaseshistory
Retrieveaccountinformation
Notificationsonorderstatuschanges
Retrievepaymentdetails
Savedshoppingcart(inthedatabase)
Makepayment

ActivatephoneviaSMS(confirmationcode)

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ReceivenotificationsbySMS Passwords&authentication
Loginpassword
Analytics&Reporting Transactionpassword
Dataonexpenditure Verificationcode(OTP)
Dataonincome ChangePIN
Numberoflogins CAPTCHAinputonpublicforms
Groups/branchesnumbersofusers Completevirtualkeyboard(optional)
Percentageofusersnottrading Smartsecurevirtualkeyboard(optional)
Accountinformation Recoverpassword(optional)
Advertisements
References Alerts&Logging
Verboseerrorlogging
Mobileapp Searcherrorsbyperiod
Android&iOSapp Searcherrorsbyuser
BlackberryandWindows

* Viewerrordetails(completestacktrace)
Makepayment Generatenotificationsonerror(email,SMS)
Viewaccountbalance,creditlimits
Viewaccounthistory Commercialbarter
Makepayment(touser,tosystem) Finduserswithlowbalances
Searchusers Matchhighbalancestolowbalances
Addusertocontactlist ongooglemaps
Customisablelayout Alertwhenauserbalanceisbelowzero
Customisableentrypage/logo foracertaintime
*
Addmenuitem(quickaccessicon) Alertwhenauserbalanceisaboveacertain
Addcustompagesinapp amountforacertaintime
*
Procurement/quotes

**
Giftvouchers/Loyaltypoints Paymentwall
Create&managevoucherstypes
Setvoucherredeemingoptions(e.g.possible Messaging
weekdays) Sendrichtextmessagetouser
Definevoucherlayout(logo) Sendbulkmessages(mailings)
byadminoragent
QRcodegeneration
Definemessagecategories(perusergroup)
Print&exportvouchers
Forwardinternalmessagestoemail
Buy&printvoucherbyuser
Messagehistory(inbox,sent,trash)
Vouchersoverview&searchbyadmin Purgemessagesintrashafterperiod
Viewmyvouchersbyuser(WebandMobile (automatedtask)
app) Membertomemberemailmessages

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Accountoperators MobilePOS(PointofSale)
Createmanageoperatorgroups(bybusinesstype Androidapp
user) Receivepayment
Definepermissionsforindividualoperatorsor Printdailytransactionlist(POSowner)
operatorgroups Multipleuseridentifiers(QR/barcode,userID,
Operatorsoverview NFCcardorphone)
Showtransactionsperoperator NFCcardwillstartuptheappinPOSmodeand
Disconnectoperator openreceivepaymentpagewiththeuser
identifiedbyNFCcard
FormatNFCcard
AssignNFCcardtocustomer
Makepaymenttocustomer(cashout)
InterfaceforintegrationwiththirdpartyPOSor
ATMnetworks
ReceivenotificationsbySMS

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Architecture
Cyclos4hasbeenbuiltonJavaenterprisetechnologies.TheclientconnectstoaGoogle
WebToolkit(GWT)frontendapplicationorthroughoneoftheinterfaces(seebelow).
TheapplicationserverisprotectedbyasolidsecuritylayerandusestheSpring
Framework.TheservicesontheapplicationserverusesJPA(aidedbyQuerydsl)to
communicatewithaPostGresDatabaseserver.Alltransactionsarestoredasdouble
entrybookingsintheaccountingsystem.Cycloscanrunasstandalonesystem
independentlyfromothercurrencysystems.Thereisanoptiontostorefiles(e.g.
documents,pictures,otherfileuploads)inaexternalfilesystem(notintheCyclos
database).AmazonS3storageserviceisalsosupported.

Hostingrequirements
CycloscanrunonawebcontainersuchasApacheTomcatandJetty,orapplication
serverssuchasGlassfish,JBoss,IBMWebsphereandOracleWeblogic.Thedatabase
forCyclosistheOpenSourcedatabasePostgreSQL.CyclosisalsoavailableasaDocker
imageatthepublicDockerrepository.
TheminimalmemoryspacerequirementstorunasingleCyclosinstanceis500Mb.

Interoperability(interfaces)
Forcommunicationwiththirdpartysoftwareproductstheentireinternalserviceslayer
canbeaccessedthroughawebserviceAPI(ApplicationProgrammingInterface).This
willmakeallCyclosfeaturesavailabletothirdparties.

NativeJavaclientscanconnectdirectlyviaJavaremotingoverHTTP(S).Clientsinother
languagescanuseanAPIwithJSONmessagesoverHTTP(S).CycloshasaRESTfulweb
servicesinterfacethatimplementstheOpenAPIspecification.ThereisalsoaPHPclient
libraryavailablewhichmirrorstheservicesAPI.Incasethirdpartysoftwarerequires
specificinterfaceservicesotherthantheavailableCyclosAPIformats,a'customweb
service'canbecreatedtoprovidethosemethods.

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Security
SincethebeginningtheCyclosdevelopmentteamfollowedthesecurityguidelines
definedbytheISO27002andEBA(EuropeanBankingAuthority)standards.Thecodeis
constantlytestedbyanadvancedsetofautomatedsecuritytests.Permissionsand
rolesarecheckedoneveryrequestattheinternalserviceslevel.

Thefollowingsecurityareas/pointshavebeenaddressed:

Confidentiality,integrity,authenticityareguaranteedbysecuritychecksin
combinationwithhttpsecure(https)
ResistancetoattacksasXSS,CSRF,SQLinjections
AllpasswordshashedwithsaltedSHA2
Allidentifiersarecipheredwhensendingtoclient(browser)
Useofcookieslimitedtousersession
Securityalertsforadministrators
Verboseloggingincludingoperationdata,users,timestamp
IPwhitelist
URLrestrictionpergroup

Scalability&availability
TheCyclosapplicationsupportsfullclustering(applicationwebcontainer).
Thedatabasehasbeenoptimisedtosupportdatabaseclusteringandsynchronous
replication.

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