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My first suggestion involves the receipts returned to DCU members
for transactions. Currently they are simple, but perhaps too
simple. Somewhere near the top of the receipt should be some
additional identification for the account. Currently the receipt
merely has the account number imbedded in each transaction line.
What should appear near the top is the employee's name, badge
number and possibly other simple information as well. This
would help eliminate the problem of transactions being posted
to other accounts accidentally. It has been already discussed
in this conference if I am not mistaken. The teller dislexically
inverts two digits and the deposit goes into some account in
California instead of Maynard. The error could be just as
difficult to detect under the current system, EVEN IF THE PERSON
MAKING THE DEPOSIT ACTUALLY LOOKED AT THE RECEIPT. At least
if they saw someone else's name on the receipt they would be
alerted to the situation.
In conjunction with this, and having never seen the teller's
terminal except from the wrong end, it would be easy to believe
that the person's name does not appear on the screen for the
teller either, or they would have seen that the name did not
match that on the badge (which should be presented for all
transactions...). If this is the case, my design specification
would also require that the account name appear on the teller's
screen.
Joe Oppelt
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re 43.15
...and other replies in 43.*. I think that DCU could take a
lesson in loan applications from DEC SAVE plan. Just snarf
a bunch of the code and tailor it to fit DCU policies...
You call on the phone. The "voice" tells you the rate, and
how much you have available to borrow from your SAVE accounts.
You then tell it how much you want to borrow, and for how many
months, and it computes and tells you your monthly payments.
It then asks you if you want that loan. If you want bigger/
smaller payments, you simply try again with a different principal
and/or a different number of months.
DCU could use something like this to at least help you determine
the payments you want to make. DCU does have considerations
not necessary for SAVE (like credit checks...) but at least
they could use the payment setting feature. After determining
the payment amount, you could then fill out your application
for approval for that loan. The calculations for playing with
the loan variables (principal, time, extra payments, rates)
are not difficult. Hundreds of programs that do exactly this
and more are floating around this company FOR FREE. Just see
the REAL_ESTATE or INVESTING notesfiles.
Joe Oppelt
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