Prepaid Technology from FIS

R
ecently, in the UK, two prepaid cards were launched - one, 'Cash Manager' for adults looking to budget in times of tightened spending, and the other, 'Load & Go', aimed at teens looking for a safer alternative to cash and who want to shop online but may do so only by borrowing their parents' cards.
Imagine a card for teenagers, age 13 and up.
With this card, parents can teach children to manage money. Children may only purchase goods that are 'allowed' e.g., the card can be programmed to bar a purchase at an adult internet site or at a liquor store. Plus, the card can be given to children who study and live far away where spending cannot be watched. The company that launched them, 02, is UK's leading mobile company.
A TELCO LAUNCHING PREPAID CARDS?
Analysts feel that a teko can bring a fresh approach to financial services. The card is in a way a step toward integrating the wallet and the mobile phone. Also, majority of prepaid programs have been developed by building a customer base. This telco comes with millions of existing customers with which it communicates regularly. Marketing the program to these customers will not be as costly as reaching out to new customers. While different business models may drive a tel co to launch Prepaid, reduction of customer churn also makes a reason for entering this business.
IN A RECESSIONARY GLOBAL MARKET?
u.s. data shows that spending on credit and debit cards have decreased in the last quarter of 2008. While the total appears to be up on a yearly basis, statistics point toward reduced spending in many countries in 2009. Thus, budget-consciousness and use of cash to control expenditures will reflect in consumer behavior, implying, increased preference in the usage of ATM and prepaid cards over credit cards.
PREPAID OPPORTUNITIES IN INDIA
The Indian psyche is well versed with concepts like small­value, pre-loaded and prepaid. Majority of Indian mobiles are on prepaid plans and small packets of Lays or sachets of L'Oreal are a rage in India. Though on a higher value note, the prepaid travel card has caught the Indian consumers' fancy and a growing number of Indians opt for a one-time or reloadable card instead of forex or TCs. Considering the huge increase in outbound travel (business and leisure), this is an area of growth. However, scope still remains for understanding the complete prepaid proposition. Education by technology providers to banks and end-users is the way forward. Technologically, India
is ready to accept many - if not all - of the following: in Consumer - Gift Card, Merchant Gift Card, Teen/Student Card, Personal Reloadable Card, Travel Cards, Money Transfer Cards; in Commercial - Payroll Card, Incentive Card, Corporate Gift Card, Promotion Card, Catastrophe Card, Insurance ClaimCard, Employee Benefits, Employee Reimbursement; and in Government - Court Ordered Payments, Benefit Disbursements, Unemployment Payetc.
As critical as the decision to go prepaid, is the bank's technology partner. An ideal provider should have a CV that reads:
a) Industry expert with a background in banking and financial services
b) Core Competency & depth of experience - a pioneer, present & committed to India; IT is never reinvented!
c) Size-big processor, large R&D spend, world-wide operations for bandwidth, reach and efficiency
d) Customer Support - local, global, telephone and internet
One company that fits the above description is Fidelity National Information Services or FIS. This USD 5.14 billion company invested U5$30 Million in its prepaid technology in 2008. A pioneer and leader, FlS was world's first prepaid-only processor, in business for more than 10 years. As world's largest, PIS is a full service provider with a multitude of offerings. Its total cards on file today are 192 million with a value load of 11 billion USD, equal to 25 percent market share globally. With over 40 years in banking technology, FIS has been global #1 in banking in the FinTech 100 rankings for four consecutive years and 95% of FIS revenues are derived from services to the BFSI segment.
Present since 1998, FIS has 4000+ employees in seven centers in India, serving the banking and financial services industry. Of that, 250+ constitute its Prepaid Team with expertise in implementation, operations, technology and live support to consumers. Shrihari Bhat, Country Manager, FIS India, says, "Prepaid is poised for tremendous growth and acceptance in India and banks and NBFCs must cash in on this opportunity."
Looking back, in recessionary year, a teko launches prepaid cards in the UK; in India, banks brace up for prepaid products; leading technology providers offer their knowhow in the market and the writing on the wall favours prepaid over credit cards. To conclude, if you are a product manager or marketer, you may want to finalize your own prepaid product and launch it soon. Raksha Bandhan has heralded onset of the festival season. Gifts, bonuses, incentive payouts, weddings, holidays etc., are all waiting for you to capitalize on. Prepaid may not just be a trend. It could actually help you max your 2009 performance targets!

lOB seeks to secure its internet gatewaSyndicate Bank to implement card management solution y UCO Bank to implement CBS in sponsored RRBs

ndian Overseas Bank is planing to secure ih internet gateway and has sought bids for supply of security systems including firewall, intrusion detection and prevention, content filtering, gateway antivirus and URL filter of CYBEROAM brand and SSL VI' appliance. The systems are to be installed at the bank's DR site in Hyderabad. The bank intends to have a solution that can support administration via secured communication over HTITS, SSH and from Console, capable of export and import of configuration backup including user objects, support Route (Layer 3)/transparent mode (Layer 2) and is capable of integration with Windows NTLM, Active Directory, LDAP, Radius or Local Database for user authentication. The proposed solution should also support
Dynamic DNSconfiguration, provie utilization graph on daily, weekly, yearly for total or individuallSP linl real time data transfer/bandwidtl done by individual user/ip/applic as the anti-virus solution sough intends to have an integrated soh has webcoast checkmark certi antivirus/anti spyware, work as , and support scanning for SMTP, FTp, HTTP, FTP over HTTP protoCi content filtering solution is expected to be webcoas certified and should be capable of integrating with Ie instead of queryin

ca Bank has invited bids from prospective vendors to implent c'Jre banking solution in the five regional rural banks sponsored hy it on an ASP model. The five sponsored RRBs are Jaipur Thar Gramin Bank, Kalinga Gramya Bank, Bihar Kshetriya Gramin Bank, l'aschim Banga Gramin Bank and Mahakausal Kshetriya Gramin Bank, which together had around 800 branches in Rajasthan, Orissa, Bihar, West Bengal and Madhya Pradesh. The bank wants the proposed CBS to be deployed on an ASP model and it would award a total contract for the entire services, to be executed on a turnkey basis. The bank has also laid a schedule for implementation
- minimum 25% of each RRB to be covered by CBS t 2009, the next 500,1) branches to be covered by Septeml 100% of the branches to be covered by September 2 view to ensure uniformity in the technology platform business processes at all the five different RRBs, bE proofing against any regulatory consolidation requirem the immediate, the bank has preferred Finacle solutio Technologies. Besides, the bank itself is using Finac feels, would facilitate experience based technical, mal t

yndicate Bank is planning to implement prepaid card management solution on an ASP model for cards issued by the bank in affiliation with VISA/MasterCard and for use at VISA/ MasterCard enabled ATMs and POS terminals and other shared networks of the bank. The bank would prefer a solution provider, which would have its own switch and application host in place for authorization, authentication and settlement with secure web access to the bank's card center at Bangalore, hank branches all over India and customers / pre-paid cardholders JCfOSS the world. The various cards issued by the bank include branded gift card, payroll card, prepaid purchasing card, travel card, campus card, virtual prepaid cards and lenslon cards. The bank will implement the project on a revenue haring model under which the net revenue generated from he busi!less shall be shared between the bank and the selected
vendor on a determined ratio, while the VISA/MasterC and other third party certification charges would be b, bank. It will be the sole responsibility of the selectee provide pre-paid card management and also offer services in pre-paid card solution including back-el of switch maintenance / authorization, network ill,
authorization, MIS,
services and dispute Besides, the vendor Sf hosted services with infrastructure for aut
authentication and
of transactions. The should include fun like, interchange accou necessary reporting tools management / risk management tools / Fraud Manag Anti Money Laundering (AML) Tools with web enabl Branches / Card Centre of the Bank.
raining support to the RRBs from the sponsor bank.
g to database hosted somewhere on and be a standalone HTrp proxy.

New Frontiers at Banking Frontiers

Having covered the banking sector in this magazine for over 7 years, and having organized seminars, conferences and roundtables for 5 years, time was ripe for us to start some new activity. And that new activity is research surveys. From time to time, we will come to you with a set of questions and based on your responses, will present you the analysis.
On an experimental note, we started off on a mini survey on corporate banking, with only 7 respondents. The full analysis of the survey will be presented later, but here I will share with you some interesting responses from the participants. On the training front, it emerges that it is not product knowledge, nor technology knowhow, but simply soft skills that is the most critical training need for front office staff. On the back office side, it was a combination of core banking knowhow and credit appraisal skills that demanded maximum training. As regards internal database, the customer database turns outto be the most important database. For external source of information, the most critical are varied including websites of RBI, NABARD, Ministry of Finance, etc.
In terms of outsourcing various activities, the key drivers are cost reduction, improved productivity and volume variation.
Common drivers cited by corporate bankers for growing
the volume of business include improved processes,
improved technology and more business intelligence.
Common drivers for improving profits was primarily better products. For both volume and profit growth, adding more people was seen as the least appropriate solution.
All in all, the survey shows that corporate
banking continues to be a complex business where change comes in slowly. Seems that process, products and technology are the areas where maximum changes are in the pipeline.
We will share with you a proper analysis once we have inputs from a larger number of participants in this survey. Do let us know what survey topic are of interest to you.
CORRIGENDUM
There was a typographic error in the news on page 45 in the July issue. The name of ED of Syndicate Bank, R Ramachandran was mentioned as R Ramanathan. The error is regretted.

Next example: suppose a customer comes to your website requesting dollars or pesos or some foreign currency, will it make sense to tell him about trav

£mancial organisations are concerned that might work. I find that when I am dealing with something like subscriptions then they have their own norms. There are organisations that will accept a letter from a bank or the address on the statement as a standard address proof, but many people will not. I would say the second part is a little more difficult.
Manoj: Any other opinions on how an address change can be done?
Dr Ravish: In many branches, we have up to three generations managing accounts at out bank. So address change becomes a herculean task. So on an experimental basis, in select branches, we have begun a process. We have printed a small chit asking for the name, telephone number and latest address and we are requesting the customers to hand over the chit to the customer desk at their nearest branch. So whenever the customer visits the branch or we call him, we can automatically take it as a KYC.
Asha: Giving a letter as a change of address is not enough. It also requires a documentary proof of address. So the bank itself is not the referral point of that proof. We also depend on another proof to update the address. The KYC norms of RBI states that there are documents that need to be asked for when updating address change. If it a borrower, then we will have his residence proof vetted with a personal visit. This does not exist when it's a liability product.
Manoj: South Indian Bank is planning to go in for business intelligence system for marketing activities. How do you see your KYC data get up-to-date?
Kannan: For address change, the prerequisite is the correct address maintenance. I think today the information is either incomplete or incorrect. The core banking solution are more related to transactions. Even though any core banking would like to capture the address line, the street name and all related information, the operator may put a dot and move on to other fields. So address details are either incomplete or inaccurate. Once the address is noted into the system, then only can we think of how we handle this address change. So when it comes to the address change in the system there are certain mechanisms like sending a bill to the customer or sending a statement requesting to inform the bank about any address change in future, etc. It becomes the responsibility of the customer to inform the bank about any change in address. So when we receive the address change it ca be put into the system - only thing is that in core banking not much importance is given to this. That's when we resort to CRM with customer intelligent solution where all this data will be transferred to the datawarehousing solution which we are thinking of in South Indian Bank. The data will be transferred there and then comes the process of de-duplication where the same customer may have accounts in multiple branches. So we need to consolidate that statement. Once the data is in place then all your cross-selling, upselling, budgets and financials, customer and risk intelligence, all that will naturally fall into place. So/ I think the biggest challenge when you go in for datawarehousing is to keep all the data accurate, and maintain the data.
Poojari: We use more emails nowadays than addresses, particularly for NRls. It is cost-effective also. The address that you are recording is losing importance for marketing purpose.

Manoj: Next example: suppose a customer comes to your website requesting dollars or pesos or some foreign currency, will it make sense to tell him about travel arrangements, offer advice on weather and health. Should banks be trying to collaborate with other organizations or other websites that offer up-to-date information on such matters? What do you think about banks being proactive rather than just offering the forex and closing the deal?
John: Our site is updated daily. As for NRls, they contact us through email.Ourinternationalbankingdepartment, ie, a cell exclusively for RIs, and we advice them and help them out. Suppose they want to invest in foreign currency, so that kind of advice is given by the NRI cell.
Taneja: Forex inquiry from a customer is an invitation to engage. The customer is telling you that he wants a transaction where the bank can play direct as well as indirect roles. You can ask him his travel plans, the reason for the travel, travel and health insurance, etc. You can have a tie-up with a travel services portal and then offer the customer a discount if he uses that. You can make him an attractive offer by suggesting that he use the card and avail of some discounts during his stay abroad. For banks like us, this is an exceptional transaction, which a small percentage of your customers will do. It clearly tells you that the customer has the potential to grow the relationship far beyond what you have now.
PK Nair: Why can't we use remittance services to offer advisory services as to where customers can invest their money? One of the banks is slowly starting to look at the internet as a channel to offer advisory services. Federal Bank has a tie up with Geojit. They use each other's services. They are cross-selling and upselling. This is creating an integrated chain.
Manoj: What about Bank of Baroda? You have the largest number of overseas branches among Indian banks?
Poojari: As far as circulation of information is concerned, we have a system of collecting all the data, particularly the email addresses, create a group and periodically send whatever development is taking place in the bank, especially information that is not related to the bank, such as remission of stamp duty on purchase of land. Although the bank is not concerned with this, we percolate this down to the NRls. Even NRls are well informed now. They know where to invest. It's only because of recession that they are parking their funds temporarily in some account and always looking for some avenue of investment. For that investment, we have separate divisions which help them,

PNB to buy POS terminals SBI to acquire HP server systems forOBC plans to expand VSAT connectivity CMP center

S
ta te Bank of India is looking for high­end HP server systems, components and operating software for its Cash Management Product center to be part of the setup at the DRP site. The servers include HP RISC server with Ultrium Tape (LT03) drive and Xeon server and operating software and other system software. The HP Rx 6600 server will have specs including processor 1 Cores 4 x Itanium Du
with 18 MB L3 cache. The HP tape drive (LT03) will have HP storage-works UItrium-920 400/800 GB tape drive and HP OS HP Ux lli V3.0 Base operating system with compatibility with Oracle 109 DB. The bank will also acquire an HP DL - 580 G5 XEON QC server with processor 1 cores 2 x Xeon Quad Core processors scalable up to 4 sockets and expandability up to 4 processors and HP Data Protector.
P

unjab National Bank will be implementing an end­to-end solution for its merchant acquiring business which will comprise installation and maintenance and management of electronic data capture machines

(POS terminals) at various merchant establishments and providing payment gateway solution for facilitating payments over internet for e­commerce transactions. The bank is also looking for a system that is capable of handling other channels like lVR, 16 MB and minimum 4 lines display. It would be PSTN, USB, CDMA enabled and would adhere to PCl-PED norms. Besides, it will also be Acquirer Device Verification Tool and Terminal Integration process certified, magnetiC stripe and smartcard reader integrated
and dynamic currency conve
O

riental Bank of Commerce is proposing to set up VSAT based connectivity for offsite/onsite ATM locations and select branches across the country. This, the bank expects, will supplement its robust, state-of­the-art WAN connecting its branches and offices with its data center and DR site located at Mumbai and Delhi. The Bank has 3-tier network where the access points are connected to aggregating points, that is, regional offices which are linked to the data center and the DR site. In order to achieve a target of zero data loss, the bank has setup a Near Line Site (NLS) in the same premise where data center is located. The network connectivity available at access locations
are leased line (64 Kbps capacity) as primary link and ISDN dial up as secondary link. Aggregation points are connected to the data center and DR site through two numbers of 2 Mbps capaCity links. The networking setup includes routers and switches of Cisco make. At present locations where both links were technically not feasible from telecommunications service proViders are connected through VSAT, which are approXimately 150 access locations spread across the country. In addition, there are some 175 offsite ATM locations, which are connected through VSAT based connectivity. The VSAT network is mix of Ext-C & KU Band technology.rsion compliant. Besides, the terminals would also be EMV compliant, PIN enabled and capable for acceptance of all types of cards, including chip based smart cards issued in association with VISA and MasterCard.
mobile, etc. The POS terminals will

have processors with 32 bit or more, memory with 4-8 MB and expandable The bank will be acquiring the systems through a reverse auction event on the internet.
al core EPIC processors - 8 cores with expandability up to eight cores, frequency 1.6 Ghz or higher

. Recall, normally, lung fields are dry primarily because of low (about 9 mm Hg) capillary BP in the pulmonary circulation. But in mitral stenosis thi

the finer vessels become thickened due to the resultant anoxia and pulmonary hypertension develops →this leads to right venlricular hypertrophy and finally failure. As a resulf of pulmonary congestion, pulmonary capillary BP rises → pulmonary edema develops. Recall, normally, lung fields are dry primarily because of low (about 9 mm Hg) capillary BP in the pulmonary circulation. But in mitral stenosis this may become something like 20 or 25 mm Hg. Characteristic clinical finding of mitral sfenosis is mid diastolic murmur and where the heart is beating regularly with a sinus rhythm ( = pace maker remains the SAN), there is usually a presystolic accentuation. Atrial fibrillation often develops in cases of mitral stenosis and with the onset of atrial fibrillation, the presystolic accentuation disappears. Explanation of the murmur. Recall, in most situations, normally, flow of the blood is streamllie Streamline flows are silent but turbulent flows are noisy. Streamline flows can become turbulent (and, therefore, noisy), under some circumstances, like when the Reynold's number exceed 1000 (chap 7 sec V). For example, when the velocity of blood rises or the lumen of the vascular tube is very wide, the stream line flow becomes turbulent (and noisy) because it exceeds the critical Reynold's number of 1000. " British physiologist and clinician (a renowned cardiologist), Lewis made lasting contributions in many fields, like ECG, pain producing substance- substance P histamine, circus movement and was also guru of Pickering (the great exponent of hypertension). Sir Thomas worked mostly in the pre 2nd world war time. However, if the flowing blood meets an obstacle, the flowing blood rebounds the particles of blood collide with one another turbulence is produced. This type of turbulence will be produced, even when the Reynold's number is much below 1000. In mitral stenosis, there is narrowing of the mitral opening (from a normal value of 4 to 6 sq cm, the orifice may become now well below 2 sq. cm). This produces an obstruction to the flow murmur develops with a Reynold's number value well below 1000. Nevertheless, if the velocity be increased (eg. by exercising the patient) the murmur becomes louder. The presystolic accentuation is due to the last rapid filling phase which in turn is due to atrial contraction, causing increase in the velocity. In atrial fibrillation, where there is no atrial contraction, there is, therefore, no presystolic accentuation. II. Mitral incompetence Vast majority of mitral incompetence cases are chronic cases and most ol them are of rheumatic fever origin. Mitral valve prolapse, however, is another important cause, particularly in the west In mitral incompetence, the mitral valves cannot close completely during ventricular systole as a result, some blood from the left ventricle regurgitates into the left atrium during ventricular systole (mitral regurgitation) a the regurgitated blood may also enter the pulmonary veins. Characteristic finding in mitral incompetence is a systolic murmur (= murmur during ventricular systole). Recall, part of the 1st heart sound is due to turbulence created by rebounce of blood from the undersurface of the mitral valve during ventricular contraction. To this, another kind of turbulence is created due to leakage of blood into the atrium. Left atrium contains extra blood due to regurgitation. This extra blood can produce 3rd heart sound (protodiastohc gallop ) during 1st rapid filling phase. III. Aortic incompetence (regurgitation) Great majorities of aortic incompetence cases are chronic. Rheumatic fever is a very important cause, syphilis is another. Rheumatic fever can cause scarring of the aortic valve a condition is created when these valves cannot close properly therefore, blood from the aorta regurgitates into the left ventricle during ventricular diastole ventricle receives extra blood in its diastohc period (volume overload or preload, see chap 2 sec V) operation of Frank Starling's law rise in stroke volume sharp rise in systolic BP (SBP). Further, regurgitation causes too quick and too extensive draining of blood from the aorta reduction of diastohc BP (DBP), further, duration of diastole is also short. Major findings of aortic incompetence, are therefore, (i) a water hammer pulse, (ii) high SBP but low DBP (eg. 160/ 30 mm Hg) both the features are due to reasons stated above (see also 'water hammer pulse' in 'pulse' chap 9 sec V); and (mi) a diastohc murmur (which is due to turbulence of blood in the ascending arota and left ventricular cavity) heard in the clinical aortic area. As coronary arteries are filled mostly in the diastole, and as the DBP is very low in such cases, in aortic incompetence cases, coronary supply is often geopardised. HEART FAILURE Heart failure may be viewed as a condition, where there is insufficient contractility (inotropic state) of the heart which results in such a reduction of cardiac output despite adequate venous filling that it leads to insufficient perfusion of the tissues. In the beginning, there operate the compensatory mechanisms and in well compensated cases ('mild heart failure') patient may remain reasonably symptom free at rest. In advanced or severe heart failure, despite the operation of compensatory mechanisms, the patient worsens. [This definition of heart failure covers only the 'classical or systolic heart failure'. Other types, however, have been ignored to keep the discussion simple. ] The signs and symptoms of heart failure are to a large extent, due to the compensatory mechanisms. In dealing with the heart failure, traditionally, two terms are used : (1) Forward failure (introduced

Any secondary spot in the chromatogram obtained with solution (1) is not more intense than the spot in the chromatogram obtained with solution (2) and

lemperature and spray with dilute polassium indobismuthate solution. Any secondary spot in the chromatogram obtained with solution (1) is not more intense than the spot in the chromatogram obtained with solution (2) and not more than one such spot is more intense than the spot in the chromatogram obtained with solution (3). Sulphated ash: Not more than 0.2% Appendix 3.22: Water: Not more lhan 4,0% w/w, determined on 0.5 g, Appendix 3.24. Assay: Weigh accurately about 0.5 g, dissolve m 30 ml of anhydrous glacial acetic acid and carry out Method A for non-aqueous titration, Appendix 3.45, determining the end-point potenti ometrically.. Perform a blank determination and make any necessary correction: Each mlof 0.1M perchloric acid is equivalent to 0.06768 g of (C17H23NO3)2,H2S04,ATROPINE SULPHATE EYE OINTMENTAtropme Eye OintmentAtropine Sulphate Eye Ointment is a sterile preparation of Atropine Sulphate in an eye ointment base. Usual strength: 1.0% w/w. STANDARDSAtropine Sulphate Eye Ointment contains not less than 92.5 per cent and not more than 107.5 per cent of the stated amount of atropine sulphate, (C17H23N03)2,H204,H20. Identification: Carry out the method for thin-layer chromatography, Appendix 4.6, using silica gel G as the coating substance and a mixture of 50 volumes of chloroform, 40 volumes of acetone and 10 volumes of diethylamine as the mobile phase. Apply separately to the plale 5 µl of each of the following solutions. For solution. (1) dissolve a quantity of the ointment equivalent to 10 mg of Atropine Sulphate as completely as possible in 10 ml of light petroleum (boiling range 40° to 60°) and extract with two quantities, each of 10 ml, of 0.05M sulphuric acid, washing each acid solution with the same 5 ml of light petroleum (boiling range 40° to 60°) Mix Ihe acid solutions, make alkaline with dilute ammonia solution, and extract with two quantities, each of 15 ml, of chloroform. Remove the chloroform and dissolve the residue in 2 ml of ethanol (95%). Solution (2) contains 0.5% w/v of atropine sulphate RS in ethanol (95%). After removal of the plate, dry it at 105° for 20 minutes, allow it to cool lo room temperature and spray with polassium iodobismuthate solution. The principal spot in the chromatogram obtained with solution (1) corresponds to that in the chromalogram obtained with solution (2). Other requirements: Complies with the requirements of tests stated under Eye Ointments. Assay: Carry out Ihe method for gas chromatography, Appendix 4.2, using the following solutions. For solution (1) dissolve a quantity of Ihe eye ointment equivalent to 10 mg of Atropine Sulphate in 15 ml of chloroform, add 2 ml of a 0.5% w/v solution of homatropine hydrobromide RS (internal standard) in methanol (solulion A) and extract with two quantities, each of 10 ml, of 0.1M hydrochloric acid. Wash the combined exlracts with 10 ml of chloroform, add 2 ml of 5M ammonia. Extract with Iwo quantities, each of 10 ml, of chloroform, shake the combined extracts with 2 g of anhydrous sodium sulphate, filter and evaporate Ihe filtrate to dryness. Dissolve the residue m 5 ml of dichloromethane. To 1 ml of this solulion add 0.2 ml of a mixture of 4 volumes of N,O-bis(trimethylsilyl)acetamide and 1 volume of trimelhylchlorosilane, mix and allow to stand for 30 minutes. Prepare solution (2) in the same manner as solution (1) but omittmg the addition of solution A. For solution (3) add 2 ml of solulion A and 2 ml of 5M ammonia to 20 ml of a 0.05% w/v solution of atropine sulphate RS and complete the procedure described under solution (1) beginning at the words "Extract with two quantities, each of 10 ml, of chloroform......, ".The chromatographic procedure may be carried out using a glass column (1.5 m x 4 mm) packed with acid washed, silanised dialomaceous support (80 to 100 mesh) coated with 3% w/w of phenyl methyl silicone fluid (50% phenyl) (OV-17 is suitable) and maintained at 220° Calculate the content of (C17H23NO3)2,H2S04,H20 from Ihe declared content of (C17H23NO3)2,H2S04,H20 in atropine sulphate RS.ATROPINE SULPHATE INJECTION Atropine InieclionAtropine Sulphate Iniection is a slerile solution of Atropine Sulphate in Water for Iniection. Usual strenqths: