Financial Link® interfaces

Host interface Information
For host system interface information, please contact your FIPCO® account executive at fipcosales@fipco.com.

Non-Host Interfaces

MICRO MICR
By using this software product, your financial institution can see significant savings when items such as temporary checks, loan proceed checks or loan coupons are printed in-house. Micro MICR Systems allows you to generate checks and loan coupon books, as well as a variety of other MICR items, in minutes while maintaining your high level of customer service. In addition, the interface provides convenience since multiple data fields transfer from the loan, deposit and mortgage modules to eliminate duplicate entry.

Office of Foreign Asset Control Interface (OFAC)
The data is obtained from the Office of Foreign Assets Control (OFAC) Web Site. The OFAC site is checked on a daily basis and changes are made to update the OFAC database. An updated database is emailed to any banks using this interface. Financial Link® can be configured to check each customer in the current database as it is updated. If a "hit" occurs, a screen will notify the bank and a printed report will give the details of the hit. All name and address combinations are checked. This interface is available for the Loan, Deposit and Mortgage modules.

Kroll Factual Data Interface
Kroll Factual Data provides web-based credit reporting services using Experian, TransUnion, and Equifax reporting agencies. They can provide a credit report in an easy-to-read format that contains reports from one or all three credit bureaus. Kroll Factual Data can also return a FICO score and an OFAC check with each bureau. Once the Kroll Factual Data report is received, the liability information is extracted from the report and populates the liability screen in Financial Link® Loans and Mortgage. It also interfaces with the deposit module.

A Flood Certification Module is also available and interfaces with the Financial Link® Loans and Financial Link® Mortgage products. For additional information and pricing on the flood module, please contact Scott Cochran of Kroll Factual Data at 800-929-3400 ext. 377.

eFunds/ChexSystems
ChexSystems fights account abuse and fraud. This is the electronic version of the standard Chex Systems service that many have used for years. It's a comprehensive account opening service from eFunds that assists in identifying applicants whose accounts have been closed for cause and who therefore may have a propensity for DDA abuse. The eFunds interface is available for Financial Link® Deposits. This is a web service and requires a static IP address for the bank's Internet provider for security purposes.

Baker Hill Interface
This product is called "Bank 2 Business" (B2B). The loan officer completes the entire application within B2B and then downloads the information into Financial Link® Loans. Imported information includes: CIF, Guarantors, Loan Calculation information, collateral information, and signer information. This is a commercial scoring product that uses the Fair Isaac Decision Engine.

Fair Isaac Interface
This interface is transparent to the user and the Fair Isaac web site is never viewed by during loan processing. The interface provides communication with the Fair Isaac Consumer Credit Scoring Package, called Liquid Credit. CIF and income information are submitted, and a credit score, application score, debt to income ratios and credit bureau report are returned. Interfaces for Financial Link® Loans and Financial Link® Mortgage are available.

Check Ordering Interfaces
Financial Link® Deposit provides interfaces to the online check ordering system of TGI, Harland, Deluxe and Check Printers. When the customer service representative completes entering account information, they click the "Check Printing Interface" button with Financial Link® Deposit. This launches the Check Printing check ordering website and automatically populates the site with the customer and account information. The check ordering is then completed from the "Check Printing Interface" web site. This can be done before or after documents are printed from Financial Link® Deposit.