internet-banking. internet-banking «ibs» system – is a brand new decision...

Internet-Banking

Internet-BankingInternet-Banking

««iBSiBS» » SystemSystem – is a brand new decision amongst– is a brand new decision amongst ““Internet-BankingInternet-Banking”” products products..

««iBSiBS» » SystemSystem allows a Bank client to receive access to allows a Bank client to receive access to hishis//her accounts and transactions at any time and from her accounts and transactions at any time and from any available computer with Internet accessany available computer with Internet access. .

««iBSiBS» » SystemSystem is aimed at maximum automatization is aimed at maximum automatization and and security while providing bank servicing for Clientssecurity while providing bank servicing for Clients..

LTDLTD « «VEK GROUPVEK GROUP» » Internet-BankingInternet-Banking

MainMain « «iBSiBS»» system system ««iBSiBS»» contract manager system contract manager system

««iBSiBS» » iinformation centre nformation centre (call-centre) systems (call-centre) systems

««iBSiBS»» administration systems administration systems

««FirebirdFirebird»» data base data base Synchronization moduleSynchronization module

Cryptographic information Cryptographic information protection systemprotection system

««iBSiBS» » InternetInternet--Banking SystemBanking System


Advantages of the systemAdvantages of the system «iBS» «iBS» – are multifunctionality and simplicity of functioning of three basic blocks of the Internet-Banking system:

1.1. Operation of the system by Bank clientsOperation of the system by Bank clients. .

2.2. Operation of the system by employeesOperation of the system by employees..

3.3. System integrationSystem integration..

We have developed an We have developed an InternetInternet--Banking Banking

system of new generationsystem of new generation


««iBSiBS» » InternetInternet--Banking System consists ofBanking System consists of::

1. 1. The mThe main ain ««iBSiBS»» system system is a system that allows an is a system that allows an InternetInternet--Bank client to access his/her accounts and Bank client to access his/her accounts and transactionstransactions. .

2. 2. ««iBSiBS»» contract manager system contract manager system isis a system used a system used

by bank employeesby bank employees (account manager (account managerss) ) to connectto connect ( (addadd--onon) ) clients to the Internetclients to the Internet--Bank, create users’ accounts Bank, create users’ accounts and authorize clients to control their own accounts as and authorize clients to control their own accounts as both users and clientsboth users and clients..



3. «3. «iBSiBS»» information centre information centre (call-centre) (call-centre) systemssystems is a system allowing a Bank to provide is a system allowing a Bank to provide technical support to Internettechnical support to Internet--Bank users via telephone Bank users via telephone connection channelsconnection channels..

4. «4. «iBSiBS»» administration systems administration systems is a systemis a system, , used used to createto create « «contact managercontact manager» » and and ««information centreinformation centre» » users’ profilesusers’ profiles ( (authorizes users of these systems and authorizes users of these systems and allows to look through operational logsallows to look through operational logs). ).

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


5. «5. «FirebirdFirebird»» data base data base providesprovides secure storage of secure storage of

information and high operation speedinformation and high operation speed..

6. 6. Synchronization moduleSynchronization module isis responsible for responsible for

interaction between the Internetinteraction between the Internet--BankBank system and ABS. system and ABS. Consists of a set of adapters for Automated Banking Consists of a set of adapters for Automated Banking System (System (ABSABS) (each ABS has its separate adapter).) (each ABS has its separate adapter).


««Contract-managerContract-manager»» section consists of the following section consists of the following panels:panels:

1.1. ClientsClients..

2. 2. UsersUsers..

3. 3. RightsRights ( (right of access settingright of access setting).).

4. 4. AdministrationAdministration ( (web-log browsingweb-log browsing). ).

LTDLTD « «VEK GROUPVEK GROUP» » Internet-Banking Internet-Banking

««iBSiBS»» system functionality description system functionality description

The The ««iBSiBS»» main system main system includes the includes the following sectionsfollowing sections::

1. 1. AccountsAccounts..2. 2. Payment ordersPayment orders..3. 3. ApplicationsApplications..4. 4. StatementsStatements..5.5. Messages Messages..6. 6. OptionsOptions..


1.1. ««AccountsAccounts» » section consists of the following section consists of the following panelspanels::

1.1. 1.1. Accumulations and commitmentsAccumulations and commitments. . 1.2. 1.2. Current accountsCurrent accounts..1.3. 1.3. Card accountsCard accounts..11..44. . Deposit accountsDeposit accounts. . 11..44. . Credit accountsCredit accounts..

2. «Payment orders» 2. «Payment orders» section section consists of:consists of: 2.1. 2.1. New payment ordersNew payment orders..

2.2.22. . Payment orders pending for signature Payment orders pending for signature ..2.3. 2.3. List of accounts’ transactionsList of accounts’ transactions..2.4. 2.4. TemplatesTemplates..


3. 3. ««ApplicationsApplications»» section: section: 3.1. 3.1. Application for opening of a new accountApplication for opening of a new account..3.2. 3.2. Foreign currency purchase applicationForeign currency purchase application..3.3. 3.3. Foreign currency sale applicationForeign currency sale application..3.4. 3.4. Foreign currency convert applicationForeign currency convert application..3.5. 3.5. Opening a new card account application.Opening a new card account application. 3.3.66. . Application for additional card issueApplication for additional card issue..3.3.77. . Application for establishment of a letter of creditApplication for establishment of a letter of credit..3.3.88. . Application for realization of periodical paymentsApplication for realization of periodical payments..3.3.99. . Collection applicationCollection application..3.3.1010.. Credit application Credit application..

3.11. Application for card blocking3.11. Application for card blocking..

4.4. ««StatementStatement»» section: section:4.1. 4.1. Accounts’ statementsAccounts’ statements..4.2. 4.2. Schedule of paymentsSchedule of payments..4.3. 4.3. Export of statementsExport of statements..


5. 5. InIn « «MessagesMessages»» section bank customer receives and section bank customer receives and

sends messages:sends messages: 55.1..1. Changes in the legislation of UkraineChanges in the legislation of Ukraine..

5.2. 5.2. Foreign currency exchange ratesForeign currency exchange rates..

5.3. 5.3. Bank newsBank news ( (bank standard documentsbank standard documents).).

5.4. 5.4. Business correspondenceBusiness correspondence..

5.5. 5.5. Other information messagesOther information messages. .

6. 6. TheThe « «OptionsOptions» » section allows customer to adjust section allows customer to adjust reception of messages related to his/her account’s reception of messages related to his/her account’s transactions by means of mobile communication (SMS) and transactions by means of mobile communication (SMS) and e-maile-mail..


Operation of the system by Bank clientsOperation of the system by Bank clients

Simple and convenient interfaceSimple and convenient interface of the contract-manager of the contract-manager «iBS» reduces time a bank employee (account manager) «iBS» reduces time a bank employee (account manager) needs to add-on a customer to the Internet-Bank system needs to add-on a customer to the Internet-Bank system and simplifies adjustment of a customer user rights. The and simplifies adjustment of a customer user rights. The account manager can add-on a client from any Bank account manager can add-on a client from any Bank branch.branch.

Speed and easiness of workSpeed and easiness of work with «iBS» information with «iBS» information centre system (call-centre) allows to provide centre system (call-centre) allows to provide quickly andquickly and qualitatively technical and functional support to the qualitatively technical and functional support to the Internet-Bank users via Internet-Bank users via telephone connection channelstelephone connection channels..

«iBS» Administration system «iBS» Administration system is a system which serves is a system which serves for creation of users «the contract of the manager» and for creation of users «the contract of the manager» and "information centre" (the rights are granted users of these "information centre" (the rights are granted users of these systems and viewing of the journal of their actions is systems and viewing of the journal of their actions is carried out). carried out).


Operation of the system by Bank employeesOperation of the system by Bank employees

«iBS» «iBS» has has a function a function allowing to allowing to recereceive ive statistical statistical informationinformation on system operation (quantity of on system operation (quantity of added-onadded-on clients, clients, fulfilment of transactions throughfulfilment of transactions through «iBS» «iBS» system). system).

«iBS» «iBS» systemsystem can work simultaneously can work simultaneously with with several several Inter-Branch Inter-Branch Accounts (IBA) Accounts (IBA) and and different types of ABSdifferent types of ABS ( (several ABS can be several ABS can be connected to the unified connected to the unified InternetInternet-Bank system by means of -Bank system by means of adapters).adapters).

Advantage Advantage of of «iBS» system«iBS» system - is client- is client’’s s EDSEDS keys keys allowing allowing him/her him/her to to work in all work in all system system modules.modules.

«iBS» system has built-in functions of clients advanced «iBS» system has built-in functions of clients advanced registration. registration.

If the password has been input incorrectly 3 times in a rowIf the password has been input incorrectly 3 times in a row - the Client is blocked from logging-on during one hour, he/she receives the Client is blocked from logging-on during one hour, he/she receives informational SMS and such operation is being registered in the Bank informational SMS and such operation is being registered in the Bank Security Service (SS).Security Service (SS).


«iBS» system integration«iBS» system integration

The first time developers have created a system thatThe first time developers have created a system that considerably simplifies the process of integration of considerably simplifies the process of integration of Internet-Bank into the automated banking system.Internet-Bank into the automated banking system.

«iBS» is adapted for integration into all ABS«iBS» is adapted for integration into all ABS used in Ukraine.used in Ukraine.

«iBS» is adapted for integration with several ABS«iBS» is adapted for integration with several ABS used by Bank.used by Bank.

Integration is carriedIntegration is carried out by creation of the special out by creation of the special module for continuous and fast interrelation between module for continuous and fast interrelation between systems of "Internet-Banking" and automated banking systems of "Internet-Banking" and automated banking system.system.


IntegrationIntegration::

1. The mechanism of connection of banking systems to 1. The mechanism of connection of banking systems to ««IIBS»BS»

– using a principle of adapters using a principle of adapters ;;– using a principle of the information date bususing a principle of the information date bus..

2. 2. The mechanism of several ABS use The mechanism of several ABS use ..

3. 3. The mechanism of several IBS useThe mechanism of several IBS use..


Use of adaptersUse of adapters ( (featuresfeatures)) 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.Use of several "adapters" simultaneously is admissible. The system independently determines which operation The system independently determines which operation to execute and through which "adapter".to execute and through which "adapter".


«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 useThe 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 useThe mechanism of several IBA use «iBS» system is designed in such a manner that it can work with several

IBA simultaneously. Herein, on client’s part, the only visible difference will be in requisites,

that are automatically filled in.

Use of the information data busUse of the information data bus


1.1. Authentication Authentication (identity verification)(identity verification) inin « «iiВВSS» »

Internet-Banking system is carried out by means ofInternet-Banking system is carried out by means of::

• one-time use passwordsone-time use passwords;;

• electronic-digital signatureelectronic-digital signature. .

1.1. The user of several clientsThe user of several clients..

2.2. Protection of information network and databasesProtection of information network and databases..

SafetySafety: :


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 doesn’t 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 generatorsOne-time use passwords generators..


One-time use passwords generatorOne-time use passwords generator


Electronic-digital signatureElectronic-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 client’s 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).


User of several clientsUser 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 user’s access block to information of all accessible clients is in effect.

When client is blocked the user’s 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.


The connection schemeThe connection scheme

LTDLTD « «VEK GROUPVEK GROUP» » Internet-BankingInternet-BankingLTDLTD « «VEK GROUPVEK GROUP» » Internet-BankingInternet-Banking

The Internet-Bank is adaptedThe Internet-Bank is adapted work both with natural persons and legal entities.

One user has possibilityOne user has possibility to work with several clients (both with natural persons and legal entities).

AdjustmentAdjustment « «User rightsUser rights»» allows designating different signature weight for each of the user’s account.

The systems automatically notifiesThe systems automatically notifies the user about change of the document condition.

. Reliable and safe Internet-Bank systemReliable 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 ofConvenience of «iBS» «iBS» system: system:


The users’ action logThe users’ action log of the contract-manager registers all changes of information in the contract-manager.

Connection betweenConnection between « «iBSiBS» » andand ABS ABS ((by means of adapterby 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 userThe 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 ofConvenience of «iBS» «iBS» system: system:


Advantages of Advantages of «iBS»«iBS» system system : :


1. Competitive price2. Does not require installation of additional software on the client’s PC 3. «IBS» includes module of natural persons and legal entities servicing 4. Cross-platform and work in all Web-browsers5. Integration into any different bank «ABS », used in the territory of Ukraine,

possibility of work with several IBA6. 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 execution8. 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 resources11. Expanded reporting system of bank employees on their actions

System featuresSystem features::

«iBS» «iBS» system considerably expands the area of availability system considerably expands the area of availability of Bank services, both for natural persons and legal entities, of Bank services, both for natural persons and legal entities, transferring relations of a Client and a Bank to a qualitatively new transferring relations of a Client and a Bank to a qualitatively new levellevel..

The user interface of The user interface of «iBS»«iBS» system is developed as simpler system is developed as simpler as possible and intuitively clear for natural persons, unlike the as possible and intuitively clear for natural persons, unlike the professional accountant who professional accountant who is used to professional accountant who professional accountant who is used to a document-focused interface a document-focused interface ..

«iBS»«iBS» systemsystem allows to earnallows to earn, , rendering additional rendering additional services to clientsservices to clients..


Whith the best regards Co LTD «VEK GROUP»

Kyiv, Vikentiia Khvoiky 18/14, оf. 214.

tel. (044)227-79-00.

Thank you for your attention.

internet-banking. internet-banking «ibs» system – is a brand new decision...

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