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UBank Internet Banking Solution By Integrated Digital Systems.

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Presentation on theme: "UBank Internet Banking Solution By Integrated Digital Systems."— Presentation transcript:

1 UBank Internet Banking Solution By Integrated Digital Systems

2 Banking Anytime, Anywhere Internet Banking has become an essential service in the banking sector. Using their PC, corporate and individual clients will be able to get account information and post their transactions easily and on the spot. You will now be able to provide the same services provided on location for your clients in the comfort of their home, shorten waiting line, and decrease the cost of your transactions.

3 IDS Internet Banking System IDS e-Banking allows your corporate and individual clients to benefit from informational and transactional services provided by your bank using their PC and Internet connection regardless of time and location. The system is secure, user-friendly, and enables bank clients to perform all operations from distance: –Cash management –Wire transfers –Bill presentment and payment –Balance inquiries –Funds transfers –Downloading transaction information –Loan applications –Investment activity –Other value-added services The system is composed of the following four modules: –Internet Banking (User and Corporate Banking) –Internet Banking Administration –Customer Inquiry System –Customer Inquiry System Administration –Proxies for Mediation Services

4 Security The application security tests are modeled along the methodologies specified by the Open Web Applications Security Project (OWASP). OWASP has rated the Top Ten Vulnerabilities found in web applications worldwide: Un-validated Parameters Broken Access Control Broken Account and Session Management Cross-Site Scripting (XSS) Flaws Buffer Overflows Command Injection Flaws Error Handling Problems Insecure Use of Cryptography Remote Administration Flaws Web and Application Server Mis-configuration The application was tested and proven safe against all the above vulnerabilities. It also uses Secure Socket Layer technology.

5 Internet Banking The user interface is the environment using which bank clients can access and manage their accounts through the Internet. The following screenshots were taken from the Commercial Bank of Kuwait website, designed and developed by IDS. Click to View: –Individual BankingIndividual Banking –Corporate BankingCorporate Banking –IB AdministratorIB Administrator –Customer Inquiry SystemCustomer Inquiry System –Customer Inquiry AdministratorCustomer Inquiry Administrator –Proxy for Mediation ServicesProxy for Mediation Services

6 User Interface: Individual and Corporate Use View in this Section: –Website Homepage –First Time Registration –Profile –Session Log –Portfolio Display –Display Account Details –Download Statement –Transfers –Transfer History –Beneficiary Accounts –SWIFT Transfers –Bill Payment

7 Users of the online banking system need to have a User ID and Password for security purposes. In case the client is using the system for the first time, he has to set up his account for future use. Website Homepage

8 During new user registration, the client should provide his account number, and a pin number provided by the bank. He also has to set a user ID and Password, and agree to the Terms and Conditions. First Time Registration

9 User can edit his profiles information: Name, Address, Phone Numbers Profile Update

10 User Session Log shows the user the dates and times when he accessed the pages of the internet banking system. Session Log

11 Portfolio

12 The previous page displays a consolidated view of the clients assets and liabilities at the bank. At the top of the page, the system displays the total assets and the total liabilities in the same currency. In the details of the Assets accounts the system displays the following for each account: - Account Number - Account Type - Currency - Available Balance (balance available for withdrawal or other operations) - Current Balance (real balance) The Liabilities section shows Credit Card accounts and Loan accounts. In the Credit Card section, user can view the account number, credit card type, currency, limit amount, outstanding amount, and available limit. In the Loans section, the user can view loan amount, balance, installments, and past due amounts.

13 From the Portfolio page, the user can click on any account to view its details. Here, credit card account information is available to the user. He can check his limit amount and his unbilled transactions for a month or for a date range he specifies. Similarly, user can view loan, fixed deposits, foreign currency accounts, and other. Display Account Details (Credit Card)

14 User can download an Excel sheet containing account information. User can define the account and the period for which the statement will be issued. Download Account Statement

15 User is able to transfer amounts from an account to another (own and third party). He has to specify the debit and the credit accounts, the amount, the currency, and the effective date of the transfer. Transfers

16 After entering the required information to perform the transfer, the user is required to confirm the transfer operation. Balance amounts and other relevant information are displayed. Transfers

17 When the transfer is confirmed, the system issues a confirmation page containing all transfer information that the user can keep for future reference. Transfers

18 The user can view his transfer transactions history with information about the date, amount, account numbers, and the status of each transfer. Transfer History

19 The user is able to keep a directory of accounts to which he usually performs transfer operations. The user can select an account number, currency, and a description. Beneficiary Accounts

20 In order to use the SWIFT transfers function of the system, the client has to register his nickname, bank name, and other information. SWIFT Transfers

21 The SWIFT transfer form where the user should enter the account to be debited, the name of the beneficiary, the amount of the transfer, and other details. SWIFT Transfers

22 For a number of companies defined by the bank, the user can pay his bills using the internet banking interface. Bill Payment

23 User can add accounts to his profile and give each account a description. Account Profile Management

24 User Interface: Corporate Use View in this section: –One-to-Many Transfers –Many-to-One Transfers –Payroll Management –Order Checkbook

25 Corporate User Interface In addition to the previously demonstrated features, the system offers corporate users many additional features. These features include: –One to Many transfers –Many to One transfers –Payroll Management of Corporation Employees

26 Using the One to Many transfers page, the user can select a Debit Account, from which he can transfer amounts he specifies to an unlimited number of Credit Accounts. One-to-Many Transfers

27 Using the Many to One transfers page, the user can select a Credit Account, from which he can transfer amounts he specifies to an unlimited number of Debit Accounts. Many-to-One Transfers

28 In Session Parameter a companys accountant can set up the payroll by: –Selecting the Debit Account from which to pay salaries –Selecting the accounts to which salaries will be transferred (user is able to upload a list existing on a file on his PC, or downloading accounts) –Entering the maximum amount allowed to be paid to each account –Creating the new session –Going to Payroll Page Payroll Session Setup

29 In the Payroll page, the user enters the amounts to be paid to each account. When the user clicks on Submit, he is notified that the session will be processed. Payroll

30 In the Session Log page, the user can view the history of his sessions, and the status of each session. When the user clicks on the session, a page containing session details is opened. Session Log

31 Corporate users can order checkbooks using the website by entering account number, number of checkbooks required, and the name and of the authorized representative. Order Checkbooks

32 Internet Banking Administrator The Internet Banking Administrator system allows bank administrators (depending on their rights) to manage IB website settings, set different kinds of transfer limits, define special rate days, control user status, and edit administrators rights. The internet banking administrator system allows bank administrator to: –Enable/disable the Internet Banking site. –Lock/Unlock Internet Banking user, logout user, delete user. –Set user and general fund transfer limits. –Authorize SWIFT beneficiary account numbers. –Edit special rate days. –Activate/Deactivate special exchange rates. –Issue treasury report for IB fund transfers. –Issue administrator audit report. –Edit country name for credit card transactions. –View session log for an Internet Banking user. –Set default session timeout for Internet Banking users. –Manage administrator site users and rights.

33 Using this screen, the system administrator specifies the users of the IB system and their rights. User Rights allow or prohibit a user from viewing or using certain features or system screens and information. Manage Users and Users Rights

34 Here the administrator can disable or delete a specific user or make a group of users log out. This is used in case abuse is suspected. User Status Control

35 The administrator can specify for accounts of his choice the maximum allowed amount per transaction, per day, and per month. Set Transfer Limits

36 Administrator can set: –Session time out: the time elapsed before an idle logged in user is logged out by the system –Transfer limit per transaction, per day, and per month –Enable week end rate –Enable holiday special rate –Consider Ramadan Special Work Hours Manage Site Controls

37 Customer Inquiry System The customer information system is used by bank tellers to view account balances and statements of bank clients by entering one of the client's account numbers or the CIF number of the client. The CIS uses the same interface as the Internet Banking interface previously demonstrated. The systems allows bank teller to: –View the portfolio of the client's accounts and credit cards. –View account details and query statements over different periods of time. –Download statements in different formats.

38 Customer Inquiry System Administrator The CIS Administrator system is used by bank administrators to manage users of the CIS system. The systems allows bank administrators to: –Manage CIS Admin users and rights. –Manage CIS users and rights. –Issue audit reports

39 Proxy for Mediation Services The Tr0909 Proxy is a system that allows mediation between different fund transfer services in the bank and the core data of the bank on the Mainframe. Communication with the mainframe is based on a TCP/IP messaging system. The proxy validates incoming messages for the following conditions: –Service availability –Allowed originating IP address –Correct message format –Correct Hashing –Correct message timing After validation, the proxy sends the message to the mainframe and waits for a response from the mainframe or for another transfer message. Every message in the queue has its own identification number so that, when the proxy get the answer to a message from the mainframe, it returns the result to the originating application with success or failure and the reason in case of failure. Parties using this proxy include Fund Transfer through Internet Banking, Fund Transfer through IVR banking, Labor payments, Bill Payments, etc.

40 Integrated Digital Systems Lebanon Offices: Bir Hassan, Embassy of Morocco Str., Al Zahraa Bldg. P.O. Box 25/95 Ghobeiry, Lebanon Tel.&Fax: Kuwait Offices P.O. Box: Safat, Kuwait Tel.: Fax: IDS Homepage us for more Information

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