* These solutions are currently available only in Japan.

• Outsourcing for large bank group
• Next-generation standard banking system "BeSTA" This is a banking application that can be commonly applied across business categories, provided as a shared system within financial institution accounting systems.
• Banking Systems for Collaborative Use among Banks
• External connection system

• Commitment and Payment Notification Systems
• Short-Term Credit Transaction Commitment Confirmation Systems
• Integrated Information platform for the stock exchanges
• Exchange Information Systems
• Shareholders information standardization package "Aggregate Master" With the conversion to dematerialized New Book-entry Transfer system for shares, financial firms determined as Account Management Institutions (securities companies, banks, etc.) must standardize shareholders information (investors information) following rules prescribed by Japan Securities Depository Center Inc. (JASDEC), and notify JASDEC. This is a package system which supports those standardization processing.
• Clearing-House Systems
• Total Front-Office Systems for Securities Firms
• Total Back-Office Systems for Securities Firms
• Market-Based Management Systems
• Foreign Exchange ASP This is an Internet banking service for financial institutions and their client firms which covers foreign remittances, import letters of credit and other foreign exchange/international trade transaction application and acceptance. Since it is provided as a common-use service, it makes foreign exchange and trade services online at a low cost.
• Trust Business Systems
• Trust works package "TBANK II" TBANK II provides all the functions required for trust business core systems. It comprises five sub-systems by trust product and work item which can also be introduced separately. The service provides the stability for transition from mainframes with a user-friendly design that supports launching new business fields, as well as the flexibility for added functions accompanying system changes.
• Comprehensive Real-Estate Management Systems
• Financial Asset Management Systems

• Self-Assessment Systems
• Credit Risk Management Systems This system achieves sophisticated credit risk management at financial institutions. It provides financial analysis, asset appraisal, credit rating, risk quantification, credit screening, circular approval support, credit risk database and other solutions.
• Total credit administration support sysytem
• BaselMaster^® (Basel II-compliant solution) This is a credit risk asset calculation system for financial institutions which is compliant with the Basel II FIRB method. The system makes use of the abundant experience and know-how NTT DATA has cultivated in the credit risk management field to function as a business management data platform to compile various types of business management and risk management data spread throughout the company, which is an essential issue for financial institutions.
• Rating organ data unified reference service "Global Rating Master" At financial institutions, there is a growing need to accurately compare external ratings, from multiple credit rating organs, on negotiable securities and on loan and investment candidates. This is a platform service which responds to those financial risk management needs by facilitating the centralized comparison of the databases of multiple credit rating organs, and provides abundant services including daily comparisons.
• CRM/integrated customer management
• "Zaimon" financial information distribution utilizing XBRL This is an ASP service utilizing XBRL for the one-stop, secure, highly convenient exchange of financial data between companies and users. The first step is the "Zaimon e-Tax data receipt service" whereby financial organs receive financial data that companies have electronically submitted to the National Tax Agency, for more efficient loan screening works.
• XBRL Gateway This is a Web site where users can experience the convenience of XBRL. The site provides XBRL-Viewer, the world’s first tool for the display of XBRL data, so users can view the XBRL format financial data of domestic and foreign companies free of charge.
• Anti-money laundering solutions

• SI for insurance companies' corporate and individual insurance core systems (group insurance, corporate pension insurance, marine insurance, etc.)
• Life insurance shared center service and non-life insurance association shared center service
• Life insurance outsourcing service
• SI for sales channel information systems for life and non-life insurance companies
• SI for systems platform for life and non-life insurance companies
• Insurance Company Common Gateway This is a new Web-based network infrastructure, compatible with commonly standardized system specifications in life and non-life insurance industries. As a framework through which insurance agencies can access multiple insurance companies' information system with a single log-in, the Common Gateway significantly saves labor and boosts convenience for insurance agencies which have contracts with multiple insurance companies.
• Sales of the "WiseOffice" package and ASP service for insurance agencies

• Credit Card Processing Systems
• The "FORUCS System": A shared external connection system for credit card companies This system, designed for use by credit card companies, allows companies to share the functions necessary to connect to outside networks. By unifying the external networks of the companies concerned, credit card companies can reduce costs for additional development in conjunction with introducing smart cards and making their credit cards compatible with the Internet and cell phone systems, and for transferring funds to participating credit card companies.
• AEON’s e-Money WAON This is a system which supports the electronic money service provided by the leading retailer AEON Co., Ltd. It provides all the functions required for electronic money including card issuance, management of merchants and terminals where the electronic money can be used, management of electronic money sales data, acquiring and point redemption.
• Leasing Business Systems
• Net Leasing (shared-use web system)
• Mortgage Bank Systems
• System for bill collection service agencies

• ANSER (automated notification system) This is a service which automates all types of financial works (notification of deposits and other customer contacts, response to account balance and other customer inquiries, electronic funds transfers from customer accounts, etc.). Customers can use all types of terminals including fixed lines, mobile phones, and personal computers. The service can accommodate not only banks, but also securities and life insurance companies. (ANSER = Automatic answer Network System for Electrical Request)
• Fundcafé (Internet investment trust service) This service provides all types of works related to investment trusts via the Internet. It features high reliability through linkage with ANSER-WEB (account access), and provides users with safe and easy use of investment trust account balance inquiries, investment trust purchasing, applications for investment trust automatic savings and other investment trust services.
• InterFB (data transmission service for corporate customers) This is an internet banking service for the safe and steady provision to corporate customers, including consolidated electronic funds transfers, salary and bonus electronic funds transfers, receipt of local tax payments, account transfers and fee collections. InterFB enables simple execution of essential services for corporate customers such as consolidated funds transfers and salary funds transfers, just using Web browser and e-mail software.
• eBAgent (ASP service for large-scale companies�Epayment sysytems of capital management) This is a multi-bank ASP service which links with corporate financial accounting systems and data for the high-speed, automated processing of funds transfers, deposits and withdrawals confirmation (ANSER) works, data transmission works (Japan Bank Association file transmission), centralized funds distribution, etc. The service reduces the risk from manual processing, boosts efficiency, secures the reliability of financial reporting, and greatly contributes to more efficient management.
• VALUX (platform service for connecting multi-content) This is an authentication platform for high reliability and convenience in banking and other services using the Internet. After client authentication via electronic certification of user terminals, the platform notifies the service provider of the terminal connection ID. The platform facilitates high-speed, high-security multi-bank services via the Internet.
• PAYCONNECT This is an ASP service which makes it possible to add Internet use to conventional fax transmission for the unified settlement (without drafts) services provided by financial institutions to corporate customers. Corporate introduction assistance and call center and other outsourcing services are also provided to reduce the works burden on financial institutions.
• COMFRONT (firm banking integrated processing service)
• CAFIS (card payment comprehensive network service) This is Japan’s largest card settlement comprehensive network service, with a wealth of over 20 years of operating track record and high reliability. It links member stores nationwide with credit card companies and financial institutions online for the swift and certain processing of a wide range of settlement data including credit card validity and credit limits checks, credit card sales processing, debit card transactions, and convenience store cash dispensing machine withdrawal processing. (CAFIS = Credit and Finance Information System)
• CDS (credit data transmission service) This is a high-volume data file transmission system which links member stores with credit card companies online for the transmission of sales, invalid card notification, validity check, gift certificate sales, and other data. This system reduces the clerical processing load from credit transactions, as member stores do not have to prepare sales data MT for each credit card company. (CDS = Credit Data transfer System)
• INFOX, INFOX-NET (integrated terminal for card transaction exchange) This is a compact, multi-function card processing terminal and settlement network which provides credit card and J-Debit settlement services and also handles sales aggregation functions and point services. It connects to all participating financial institutions and credit card companies via the CAFIS card settlement comprehensive network operated by NTT DATA.
• Blue Gate (credit card user authentication service) This service links shop servers incorporating Java modules with centers to quickly build highly reliable network settlement systems. It facilitates all types of credit works regardless of shop scale by providing 3-D Secure and other security schemes with the rich track record of the CAFIS card settlement comprehensive network.
• Pastel Port (ASP service for chain stores)
• Acting Services for Credit Payment Collection
• Xaica-L Series (smart cash card and smart credit card)
• Multi-Payment Network This is a settlement network which links financial institutions and payment collecting organs nationwide for efficient collection works for taxes and all types of fees. Users know the service as "Pay-easy." In addition to network administration, NTT DATA sells the corporate transmission server packages and provides joint use center services to local government bodies.
• "MPNGW" joint use gateway service This is a joint-use gateway service which connects financial institution systems to multi-payment network centers. It offers both online and file transmission services, enabling online exchange of payment data and batch file transmissions.
• Convenience Store Payment Collection Services
• Koufuri-Kun (public utility payment operations, summary journalizing processing service) This is a service for companies and local government bodies which provides prior notification of electricity, telephone, gas, water, and other public utility payments prior to bank account withdrawals. In addition to confirming sufficient funds, the service is expected to dramatically improve the efficiency of payment works and accounts journal processing by enabling addition of accounting codes to the withdrawals.
• Mobile Registers (payment system for use with camera phones as bar-code readers) This is a service which uses mobile phones for the payment of mail-order shopping, mobile phone fees, and other charges. The payment contents and amount can be read simply by using the mobile phone camera to photograph the bar codes printed on invoices, and payment is completed safely and easily in a secure environment at home via mobile banking.

• "CONTIMIXE" software platform for financial channels This is a software platform, primarily for financial channels, which provides original financial works functions (such as core system communications and passbook slip printer control) along with a diverse library which improves works applications development productivity. The platform realizes stronger customer relations, improved clerical works processing productivity, and reduced operational risk.
• back-office operation consolidation solutions
• Contact center systems

• "FINALUNA" Java^® systems development solutions FINALUNA is a Java solution suite for financial application system development. FINALUNA includes Java framework, Appliance products and reference architecture. FINALUNA is specially designed to address 'extreme reliability', 'extreme security' and 'extreme quality'. NTT DATA understands these are the unique requirements of Japanese financial customers and important design points are different from US or Europe customers' systems. FINALUNA is the new extension of TERASOLUNA^® which is commonly used for all industries solutions, and FINALUNA will help financial industry customers to easily develop mission critical applications with Java.