2. JVM Tehnologic Company profile & core business Founded: February 1992; –Core business: design and implementation of large software applications mainly for financial market. –Areas of specializations –Platforms: Windows (95, NT, 2000,2003); –Technical expertise: MSSQL Server, Sybase, Oracle, C, C++, Visual C++/Basic/C#, MS Interdev, ASP, IIS, BC++, Delphi. Microsoft business partner (product integration partnership member) Compaq/HP business partner

3. System Security The most advanced security systems used nowadays : Public Key Infrastructure –SSL 3; –RSA public keys modulo 1024 bits; –Sha1 algorithm for thumbprint; –Digital Certificates (with time stamp); –Dynamic key exchange; –128 bits – Cipher Strength; –Client and Bank authentification … so we know with whom we talk and you also … Network protocol separation; SQL Protection steps

4. The Concept of Three - Tier Architecture Benefits –Common interface to heterogeneous data stores; –Software and hardware scalability without affecting system performance; –System reliability and maintainability; –Increased data security; –Business logic sharing. Application Server Data Logic Business Logic Web based forms Data Stores Used by our Internet Service

5. Internet Banking Architecture Browser Bank’s Database Web Servers BackOffice Application Customer databases SQL Servers BackOffice Database : Clients

6. Data flow One information unit named “electronic message”; –flexible structure with pairs; –easy and fast transfer; Two-phase data transfer; –Import of incoming messages from customer database; –Export of outgoing messages from bank’s database system; Flow control and monitoring done by BackOffice application.

7. Presentation layer Only an Internet browser is required; Enhanced security mechanism through Secured Socket Layer protocol; Dynamic Web pages through DHTML and ASP technology; Full customization. BrowserWeb Server request URL Web page Customer database SQL query Query results

8. Business layer Provides services to the presentation and data layers –Bi-directional transfer of electronic messages; –Deployment of basic banking information to customer database; –Customer registration and access control; Enforces customer business rules –Data checking and validation; –Signature mechanism for customer operations; Enforces bank business rules –Data checking and validation; –Acceptance mechanism for customer transactions; –Translate transaction data to and from specific formats. Bank SideBackOffice ApplicationCustomer side

9. Electronic Message Processing Logic Chain of states to control message evolution –Uncompleted : not successfully transferred; –Unprocessed : completely imported; –Refused by user : rejected by authorized bank personnel; –Accepted : accepted by authorized bank personnel; –Refused by app : not successfully processed; –Transferred : successfully processed; Special authorized mechanism to change manually message status ; Configurable mask of valid states for a message.

10. Internet Banking Conclusions Full access to bank services with minimum hardware and software configuration for customer; Total location independence for the customers; Maximum security through access control, encryption and authentication; Customizable application core; Customizable user interface through Web power.