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Internet-Banking. Internet-Banking «iBS» System – is a brand new decision amongstInternet-Banking products. «iBS» System allows a Bank client to receive.

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Presentation on theme: "Internet-Banking. Internet-Banking «iBS» System – is a brand new decision amongstInternet-Banking products. «iBS» System allows a Bank client to receive."— Presentation transcript:

1 Internet-Banking

2 Internet-Banking «iBS» System – is a brand new decision amongstInternet-Banking products. «iBS» System allows a Bank client to receive access to his/her accounts and transactions at any time and from any available computer with Internet access. «iBS» System is aimed at maximum automatization and security while providing bank servicing for Clients. «iBS» System is aimed at maximum automatization and security while providing bank servicing for Clients. LTD «VEK GROUP» Internet-Banking

3 Main «iBS» system «iBS» contract manager system «iBS» information centre (call-centre) systems «iBS» administration systems «Firebird» data base Synchronization module Cryptographic information Cryptographic information protection system «iBS» Internet-Banking System LTD «VEK GROUP» Internet-Banking

4 Advantages of the system «iBS» Advantages of the system «iBS» – are multifunctionality and simplicity of functioning of three basic blocks of the Internet-Banking system: 1.Operation of the system by Bank clients. 2.Operation of the system by employees. 3.System integration. We have developed an Internet-Banking system of new generation LTD «VEK GROUP» Internet-Banking

5 «iBS» Internet-Banking System consists of: «iBS» Internet-Banking System consists of: 1. The main «iBS» system is a system that allows an Internet-Bank client to access his/her accounts and transactions. 2. «iBS» contract manager system is a system used by bank employees (account managers) to connect (add- on) clients to the Internet-Bank, create users accounts and authorize clients to control their own accounts as both users and clients. LTD «VEK GROUP» Internet-Banking

6 3. «iBS» information centre (call-centre) systems is a system allowing a Bank to provide technical support to Internet-Bank users via telephone connection channels. 4. «iBS» administration systems is a system, used to create «contact manager» and «information centre» users profiles (authorizes users of these systems and allows to look through operational logs).

7 7. Cryptographic information protection system, designed to create an open keys infrastructure. Within created infrastructure this system provides control over cryptographic keys and certificates, generation and checking of electronic digital signature (EDS) on electronic documents and encryption of information, processed by various application automated systems. LTD «VEK GROUP» Internet-Banking

8 5. «Firebird» data base provides secure storage of information and high operation speed. 6. Synchronization module is responsible for interaction between the Internet-Bank system and ABS. Consists of a set of adapters for Automated Banking System (ABS) (each ABS has its separate adapter). LTD «VEK GROUP» Internet-Banking

9 «Contract-manager» section consists of the following panels: «Contract-manager» section consists of the following panels: 1. Clients. 1. Clients. 2. Users. 3. Rights (right of access setting). 4. Administration (web-log browsing). LTD «VEK GROUP» Internet-Banking

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12 «iBS» system functionality description The «iBS» main system includes the following sections: 1. Accounts. 1. Accounts. 2. Payment orders. 3. Applications. 4. Statements. 5. Messages. 6. Options. LTD «VEK GROUP» Internet-Banking

13 1.«Accounts» section consists of the following panels: 1.1. Accumulations and commitments Accumulations and commitments Current accounts Card accounts Deposit accounts Credit accounts. 2. «Payment orders» section consists of: 2.1. New payment orders New payment orders Payment orders pending for signature List of accounts transactions Templates. LTD «VEK GROUP» Internet-Banking

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16 3. «Applications» section: 3.1. Application for opening of a new account Foreign currency purchase application Foreign currency sale application Foreign currency convert application Opening a new card account application Application for additional card issue Application for establishment of a letter of credit Application for realization of periodical payments Collection application Credit application Application for card blocking Application for card blocking. 4.«Statement» section: 4.1. Accounts statements Schedule of payments Export of statements. LTD «VEK GROUP» Internet-Banking

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19 5. In «Messages» section bank customer receives and sends messages: 5. In «Messages» section bank customer receives and sends messages: 5.1. Changes in the legislation of Ukraine Changes in the legislation of Ukraine Foreign currency exchange rates Bank news (bank standard documents) Business correspondence Other information messages. 6. The «Options» section allows customer to adjust reception of messages related to his/her accounts transactions by means of mobile communication (SMS) and . LTD «VEK GROUP» Internet-Banking

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22 Operation of the system by Bank clients Simple and convenient interfaceof the contract-manager «iBS» reduces time a bank employee (account manager) needs to add-on a customer to the Internet-Bank system and simplifies adjustment of a customer user rights. The account manager can add-on a client from any Bank branch. Simple and convenient interface of the contract-manager «iBS» reduces time a bank employee (account manager) needs to add-on a customer to the Internet-Bank system and simplifies adjustment of a customer user rights. The account manager can add-on a client from any Bank branch. Speed and easiness of work with «iBS» information centre system (call-centre) allows to provide quickly and qualitatively technical and functional support to the Internet-Bank users via telephone connection channels. «iBS» Administration system is a system which serves for creation of users «the contract of the manager» and "information centre" (the rights are granted users of these systems and viewing of the journal of their actions is carried out). LTD «VEK GROUP» Internet-Banking

23 Operation of the system by Bank employees «iBS» has a function allowing to receive statistical information on system operation (quantity of added-on clients, fulfilment of transactions through «iBS» system). «iBS» system can work simultaneously with several Inter-Branch Accounts (IBA) and different types of ABS (several ABS can be connected to the unified Internet-Bank system by means of adapters). Advantage of «iBS» system- is clients EDS keys allowing him/her to work in all system modules. Advantage of «iBS» system - is clients EDS keys allowing him/her to work in all system modules. «iBS» system has built-in functions of clients advanced registration. If the password has been input incorrectly 3 times in a row the Client is blocked from logging-on during one hour, he/she receives informational SMS and such operation is being registered in the Bank Security Service (SS). If the password has been input incorrectly 3 times in a row - the Client is blocked from logging-on during one hour, he/she receives informational SMS and such operation is being registered in the Bank Security Service (SS). LTD «VEK GROUP» Internet-Banking

24 «iBS» system integration The first time developers have created a system that considerably simplifies the process of integration of Internet-Bank into the automated banking system. «iBS» is adapted for integration into all ABS used in Ukraine. used in Ukraine. «iBS» is adapted for integration with several ABS used by Bank. Integration is carried out by creation of the special module for continuous and fast interrelation between systems of "Internet-Banking" and automated banking system. LTD «VEK GROUP» Internet-Banking

25 Integration: 1. The mechanism of connection of banking systems to «IBS» –using a principle of adapters ; –using a principle of the information date bus. 2. The mechanism of several ABS use. 3. The mechanism of several IBS use. LTD «VEK GROUP» Internet-Banking

26 Use of adapters (features) For information reception-transmission special adapter-programs are being used, which on the one hand are connected to the «iBS» system database, and, on the other hand, to a banking system (ABS, virtual POS-terminal, others) are used. When the system is connected by means of adapters, information from «iBS» system is transmitted to banking systems only upon availability of sufficient number of electronic-digital signatures and fulfilment of Bank requirements of document transfer. The iBS system independently enquires information from Banking systems (statuses of documents, account balances, statements, others). Use of several "adapters" simultaneously is admissible. The system independently determines which operation to execute and through which "adapter". LTD «VEK GROUP» Internet-Banking

27 «iBS» system can also be connected to banking systems by means of the information data bus (for example «Sonic ESB»). The mechanism of several ABS use «iBS» system is designed in such a manner that it can work with several ABS simultaneously, including different types of ABS. The mechanism of several IBA use «iBS» system is designed in such a manner that it can work with several IBA simultaneously. Herein, on clients part, the only visible difference will be in requisites, that are automatically filled in. Use of the information data bus Use of the information data bus LTD «VEK GROUP» Internet-Banking

28 1.Authentication (identity verification) in «iВS» Internet-Banking system is carried out by means of: one-time use passwords;one-time use passwords; electronic-digital signature.electronic-digital signature. 1.The user of several clients. 2.Protection of information network and databases. Safety: LTD «VEK GROUP» Internet-Banking

29 Generation of one-time use passwords is carried out by means of special Generator- breloques by "VASCO" company (authentication (identity verification) mean certificated in Ukraine). The given method allows the client (user) to enter Internet-Banking system using any device that doesnt even support Java-applet, and also using computers which do not have «client trust» certificate (Internet cafe, hotel computer, others). Using given authentication (identity verification) mode client (user) acquires complete access to Internet-Banking system, with exception for documents signature. One-time use passwords generators. LTD «VEK GROUP» Internet-Banking

30 One-time use passwords generator LTD «VEK GROUP» Internet-Banking

31 Electronic-digital signature Authentication by means of electronic-digital signature by the client is executed by signing a confidential/secret word of electronic-digital signature, specially generated by a bank server for this client. Using given method, Java-applet, which generates digital signature on the clients part is being activated. All documents that are being sent to the bank contain 100 % of signatures weight. Within the client users have their preset signature weight for each account when connecting to «iBS». Possibility of fulfilment of operations is reached within one account under the rule of single signature (signature weight =100 %), and within another account it is obligatory for an operation fulfilment to have approval by one more user (signature weight is 10 % and 90 % accordingly). If necessary, documents may be additionally approved by External systems in addition (ERP, others). LTD «VEK GROUP» Internet-Banking

32 User of several clients One user can work on behalf of several clients with different kinds of accounts, using single digital signature. At a loss of electronic-digital signature or for any other reason the user may be blocked. At the same time the users access block to information of all accessible clients is in effect. When client is blocked the users access block is carried out only to the information on blocked client, at the same time the user may continue to work with information of other accessible client. LTD «VEK GROUP» Internet-Banking

33 The connection scheme LTD «VEK GROUP» Internet-Banking

34 The connection scheme LTD «VEK GROUP» Internet-Banking

35 The Internet-Bank is adapted The Internet-Bank is adapted work both with natural persons and legal entities. One user has possibility One user has possibility to work with several clients (both with natural persons and legal entities). Adjustment «User rights» Adjustment «User rights» allows designating different signature weight for each of the users account. The systems automatically notifies The systems automatically notifies the user about change of the document condition. Reliable and safe Internet-Bank system. Reliable and safe Internet-Bank system functions in a regular operation mode in case of loss of connection and at failure of a binding channel between Internet-Bank and ABS. Convenience of «iBS» system: LTD «VEK GROUP» Internet-Banking

36 The users action log The users action log of the contract-manager registers all changes of information in the contract-manager. Connection between «iBS» and ABS (by means of adapter) Connection between «iBS» and ABS (by means of adapter) can be established through remote, protected channels that will allow connecting a regional branch with one more ABS to a single Internet-Bank. The system of user The system of user identification provides possibility to access Internet-Bank in two variants: Complete access. Using electronic-digital signature (complete access to accounts and transactions ). Limited access. By means of one-time use passwords generator (viewing account movements and operations only). Convenience of «iBS» system: LTD «VEK GROUP» Internet-Banking

37 Advantages of «iBS» system : LTD «VEK GROUP» Internet-Banking 1.Competitive price 2.Does not require installation of additional software on the clients PC 3.«IBS» includes module of natural persons and legal entities servicing 4.Cross-platform and work in all Web-browsers 5.Integration into any different bank «ABS », used in the territory of Ukraine, possibility of work with several IBA 6.Financial centre for holdings and corporations which have branch offices and affiliated organisations (adjustment of account rights and limits for each user) 7.Flexible system of authorities at operations execution 8.Maximum automated remote servicing (availability of a wide spectrum of applications for banking services) 9.Absence of necessity of the assertion of clients in Back-office at registration of the new User 10.Optimal utilization of software and hardware resources 11.Expanded reporting system of bank employees on their actions

38 System features: «iBS» system considerably expands the area of availability of Bank services, both for natural persons and legal entities, transferring relations of a Client and a Bank to a qualitatively new level. The user interface of «iBS» system is developed as simpler as possible and intuitively clear for natural persons, unlike the professional accountant who professional accountant who is used to a document-focused interface. «iBS» system allows to earn, rendering additional services to clients. LTD «VEK GROUP» Internet-Banking

39 Whith the best regards Co LTD «VEK GROUP» Kyiv, Vikentiia Khvoiky 18/14, оf tel. (044) Thank you for your attention.


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