Remote banking customer service concept. RBS: its own or in the cloud - how can a bank make a choice? Serviced using the dbo system
Remote banking
This article is missing links to sources of information.
The information must be verifiable, otherwise it can be questioned and deleted. |
Remote Banking Services (RBS)- a general term for technologies for the provision of banking services based on orders transmitted by the client remotely (that is, without his visit to the bank), most often using computer and telephone networks. To describe RBS technologies, various, in some cases, overlapping terms are used: Client-Bank, Bank-Client, Internet Bank, RBS System, Electronic Bank, Internet Banking, on-line banking, remote banking, direct banking, home banking, internet banking, PC banking, phone banking, mobile-banking, WAP-banking, SMS-banking, GSM-banking, TV-banking.
Types of Remote Banking Services (RBS)
RBS technologies can be classified according to the types of information systems (software and hardware) used to carry out banking operations:
Client-Bank systems (PC-banking, remote banking, direct banking, home banking)
Systems accessed through a personal computer. At the same time, the Bank provides the client with technical and methodological support during the installation of the system, initial training of the client's personnel, updating the software and supporting the client in the process of further work. The Client-Bank systems provide full-fledged settlement and depository services and maintenance of ruble and foreign currency accounts from a remote workplace. The "Client-Bank" systems allow you to create and send payment documents of any type to the bank, as well as receive account statements from the bank (information on account movements). For security purposes, the Client-Bank systems use various encryption systems. The use of the Client-Bank systems for servicing legal entities is still one of the most popular RBS technologies in Russia. Client-Bank systems are fundamentally subdivided into 2 types (thick client and thin client):
Bank-Client (fat client)
The classic type of the Bank-Client system. A separate client program is installed on the user's workstation. The client program stores all its data on the computer, as a rule, these are payment documents and account statements. The client program can connect to the bank via various communication channels. Most often, a direct connection or via the Internet is used to connect to the bank.
Internet Client (thin client) (On-line banking, Internet banking, WEB-banking)
The user logs into the system via an Internet browser. The Internet-Client system is located on the bank's web server. All user data (payment documents and account statements) are available on the bank's website. The Internet-Client technology is also used to build systems for mobile devices (the bank's mobile site) - PDA, smartphones (Mobile-banking. Based on the Internet-Client, information services with a limited set of functions can be provided.
Remote Internet banking has a number of advantages and disadvantages. So, the advantages for organizations providing such services include the low cost of operating the Internet system (all updates are carried out only on the web server, not replicated among customers); the ability to integrate with the client's accounting systems; the availability of Internet services for the end user; maintaining the loyalty of customers who actively use these services.
The disadvantages include, first of all, the weak security of the Internet from unauthorized access. Despite the desire of developers of Internet solutions to create and improve the system of protection of transmitted messages, numerous potential dangers continue to appear. Reasons: shortcomings of operating systems, communication programs and browsers, human factor. Maintaining the level of protection at an appropriate level requires significant material costs, which can be afforded mainly by large banks that rely on significant revenues from the provision of such services.
Systems "Phone-Bank" (Phone-banking, telebanking, Phone-Client, SMS-banking)
As a rule, the Telephone-Bank systems have a limited set of functions in comparison with the Client-Bank systems:
- information about account balances;
- information on the amounts of receipts in favor of the client;
- entering applications for the provision of a facsimile copy of the account statement;
- entering applications for making payments, ordering cash;
- entering applications for the transmission of a facsimile copy of the payment order;
- entering a request for execution of a funds transfer order prepared according to a template;
The transfer of information from the client to the bank can be done in different ways, depending on the implementation of the system:
- Communication of the client with the telephone service operator (Call Center).
- Using a touch-tone telephone (Touch Tone Telephone) and a voice menu (computerized telephony (IVR (Interactive Voice Response) technology), Speech to Text, Text to Speech).
- By sending SMS messages (SMS-banking)
All these functions become available only after personal identification of the client by the bank based on the personal identification system. Today, the most advanced and secure system is based on biometric identification cards.
Service using ATMs (ATM -banking) and self-service banking devices
RBS technologies using self-service banking devices are among the most popular in the world and in Russia. There are several types of remote banking systems by the type of devices used:
- RBS using ATMs (ATM-banking) - based on the software installed on the bank's ATMs. See also Bank card
- RBS using payment terminals;
- RBS using information kiosks.
Financial regulation
RBS services are regulated by the following provisions of the Central Bank of Russia:
- Regulation dated 26.03.2007 No. 302-P "On the rules of accounting in credit institutions located on the territory of the Russian Federation"
- Regulation dated 03.10.2002, No. 2-P "On cashless payments in the Russian Federation".
- Regulations of 24.04.2008 No. 318-P "On the procedure for conducting cash transactions in credit institutions on the territory of the Russian Federation" (clause 2.8 "Organization of work with cash when using ATMs, electronic cashiers, automatic safes and other software and hardware systems" );
- Regulations of 23.06.1998 No. 36-P “On interregional electronic settlements through the settlement network of the Bank of Russia”;
- Regulation No. 20-P of 12.03.1998 “On the rules for the exchange of electronic documents between the Bank of Russia, credit institutions (branches) and other clients of the Bank of Russia when making settlements through the settlement network of the Bank of Russia”.
- Temporary regulation of 10.02.1998 No. 17-P "On the procedure for accepting for execution the instructions of account holders signed by analogs of a handwritten signature when conducting non-cash payments by credit institutions"
In addition, it is necessary to take into account the requirements:
- Federal Law of 06.04.2011 No. 63-FZ "On Electronic Signatures";
- Bank of Russia standard STO BR IBBS-1.0-2006 "Ensuring information security of organizations in the banking system of the Russian Federation;
- Letters from the Bank of Russia dated 03.04.2004 No. 16-T "On Recommendations for the Information Content and Organization of Web Sites of Credit Institutions on the Internet" (instead of 128-T dated 23.10.2009);
- Letters from the Bank of Russia dated August 30, 2006 No. 115-T "On the implementation of the Federal Law" On combating the legalization (laundering) of proceeds from crime and the financing of terrorism in terms of identifying customers served using remote banking technologies (including Internet banking) ";
- Letters from the Bank of Russia dated April 27, 2007 No. 60-T "On the specifics of servicing clients by credit institutions using the technology of remote access to a client's bank account (including Internet banking)";
- Bank of Russia Letters No. 197-T dated 07.12.2007 “On Risks in Remote Banking Services”;
- Letter from the Bank of Russia dated March 31, 2008 No. 36-T “On Recommendations for Organizing Risk Management Arising in the Performance of Transactions by Credit Institutions Using Internet Banking Systems”;
- Letters from the Bank of Russia dated January 30, 2009 No. 11-T "On Recommendations for Credit Institutions on Additional Information Security Measures when Using Internet Banking Systems"
- Letters from the Bank of Russia dated October 26, 2010 No. 141-T "On Recommendations on the Approaches of Credit Institutions to the Selection of Providers and Interaction with Them in the Implementation of Remote Banking Services"
RBS services are governed by the following provisions of the National Bank of Ukraine:
- Instruction of 21.01.2004 No. 22 on non-cash payments in Ukraine in national currency, Chapter 11.
15.2.1. Benefits of Remote Banking
Remote banking (RBS) refers to the provision of banking services (provision of banking products) at a distance, without clients visiting the bank's office, without direct contact with bank employees - from home (so-called "home-banking"), office, car, etc. etc.
This type of service allows the client to control their own accounts, buy and sell non-cash currency, pay for utilities, Internet access, accounts of mobile and paging operators, make non-cash bank and interbank payments, transfer funds through accounts, etc.
Remote banking services provide the bank with the following competitive advantages.
When using RBS, operating costs are significantly reduced. There is no need to maintain additional premises, workplaces and personnel, which cannot be dispensed with when serving customers in the traditional way. As a result, transaction costs (per transaction) are reduced by an order of magnitude. By saving funds for its maintenance, the bank can significantly increase its client base - the low cost of banking products makes it possible to reduce tariffs for them, which, other things being equal, makes the bank more attractive in the eyes of the consumer.
On the other hand, thanks to RBS, the bank is able to cover a large segment of consumers with small funds and not very profitable from the point of view of traditional banking.
In addition, a potential client of a bank, where RBS is practiced, is freed from rigid binding to a specific location of the bank, and this is very convenient. Consequently, RBS contributes to the expansion of the bank to other regions, which leads to the expansion of the client base.
The image aspect of using remote service technologies is also important.
The attractiveness of RBS in the eyes of clients is not least due to the fact that it is able to provide them with more comfortable conditions for communicating with the bank and a significant saving of time - a client does not need to visit the bank's office to conduct a banking operation. Moreover, he does not even need to adjust to the bank's work schedule - it is available 24 hours a day, and the user can perform the desired transaction at any time convenient for him.
There are the following types of RBS clients: RS-banking, Internet-banking, video-banking, telephone service, WAP-banking, SMS-banking.
With the presence of special software and a modem, RS-banking supports a direct connection of the client's personal computer to the bank's network. The most typical example of this type of RBS is the classic "Bank-Client" system.
Internet banking is a complex of banking services provided to a client by a bank via the Internet, which includes: control of their own accounts; purchase and sale of non-cash currency; payment for utilities, Internet access, bills of mobile and paging operators; conducting non-cash payments, transferring funds through accounts.
This is the most promising type of RBS, for example, Deutsche Bank and Bank of America make about 70% of payments via the Internet. In Russia, Internet banking has also been actively developing in recent years.
Currently, there are three levels of Internet banking:
Informational (the bank's website on the Internet, which reflects the types and rates of services provided);
Communication (two-way exchange of information via e-mail, information about the state of the account, account statements);
Fully functional transaction bank (carrying out all financial transactions, except for cash withdrawals).
There are systems in which the Internet is used only as a means of data transmission, and systems in which the Internet is used as an independent information technology. In the first case, the Internet acts as a communication channel between the bank and the client and, in essence, is only an addition to the classic "Bank-Client" systems. This increases the efficiency and mobility of communication between business partners, but it somewhat reduces the level of security of transactions, since the Internet is an open network.
In the second case, the software is a special Internet application that functions only in the dialogue session between the client and the bank. When using such systems, the client does not need to install software and store the corresponding electronic databases on his computer. In this case, the client can access his bank account by going to the bank server on the Internet from any computer, having previously entered his password and personal identification number. To improve security in such systems, various methods are used to protect economic information from unauthorized access.
Video banking is a system of interactive communication between a client and bank personnel, a kind of video conference, for the organization of which a device called a kiosk is used (a device with a touch screen that allows a client to access various information, as well as communicate with a bank employee and perform various operations with his help ). Kiosks are installed in public places and are often combined with ATM machines.
To pay bills by phone, a bank client uses a special device connected to a banking computer, which allows him to receive a variety of information about the movement of funds in his account and the state of the financial market, to make payments on bills for goods, medical services, electricity, etc. The client connects to the banking computer and enters the account number, personal identification number, code number of the recipient's company, the amount of payment.
WAP-banking - remote account management by means of a mobile phone equipped with special software based on the wireless data transfer protocol. However, so far banks do not distinguish WAP-banking as a separate type of service. A customer who wants to carry out banking transactions only by a mobile phone will still have to connect to the Internet banking system. Now mobile communication companies, offering their customers GSM phones with Internet access, cannot always maintain the required degree of protection of transmitted or received information at the same level as it is organized on the Internet.
Consequently, banks cannot take responsibility for the confidentiality of customer payments and so far offer them using a mobile phone only to view the account balance and a list of recent transactions. However, software is being developed that can improve the security of WAP banking services. In the meantime, in order to ensure the safety of payments, some banks negotiate a list of operations with the client and assign a corresponding code to each of them. This, for example, is how Guta-Bank acts. When carrying out any of the operations, the user of WAP banking needs to enter a code, which, upon confirmation by the bank, activates the necessary transaction. The bank does not take commission for transactions on the account.
Another service provided by banks to cell phone owners is SMS banking. With the help of short message services (SMS), which any mobile operator has, the client will have access to all information about the status of current accounts (account balances), as well as receiving account statements for the required period. According to experts, this service has much more prospects than WAP banking. Firstly, because of the low cost, and secondly, due to the higher data transfer speed - tens of times faster, and thirdly, it significantly increases the safety of operations. The SMS service is very popular with customers.
It is believed that modern technologies of software and hardware protection are at a level that provides a 100% guarantee of the confidentiality of operations and the safety of funds. But most importantly, banks are primarily interested in the safety of funds - providers of Internet banking services, who are responsible not only for the safety of their clients' finances, but also for their funds and reputation.
15.2.2. Information systems used in remote banking
RBS is based on the "Bank-Client" system. The full list of services that the bank can provide through this system is very extensive. In the classic (expanded) version, the Bank-Client system allows the client to:
Get acquainted with banking rules;
Receive reference information (list of operations performed by the bank, exchange rates, etc.);
Open various bank accounts;
Manage the movement of funds through accounts, including card accounts;
Receive information about the state of your account in the form of relevant statements;
Make payments on bills, including for goods and services, including utilities;
Receive electronic copies of settlement documents;
Order a checkbook;
Conduct conversion operations;
Conduct operations with an investment portfolio that is managed by the bank;
Carry out credit operations (overdraft credit);
Exchange electronic text messages and financial information with the bank;
Receive consulting and information services; and others. In this case, it is worth paying attention to the fact that within the framework of the system
"Bank-Client" refers to highly standardized sets of operations, since they are carried out practically without any involvement of bank personnel.
When servicing clients, banks adhere to the established rules for conducting non-cash payments (payments) and settlement and cash services. The respective rights and obligations of the parties are stipulated in the bank account agreement (or in additions to it).
The Bank-Client system is a software and hardware complex that allows you to organize interaction in a secure off-line mode between a client and a bank from an office (home) using paperless technology, provide remote customer service for any types of settlement transactions and implement a full-fledged electronic document flow. It includes banking and client subsystems, integrated with protection and communications subsystems.
The system usually includes:
Document exchange server - a mail server, in terms of service and addressing formats, compatible with various types of protocols to provide access via dial-up telephone channels;
AWS of the bank for receiving documents from the client, interacting with the banking system and notifying the client about the results of processing his documents;
Client workstation for creating documents, sending them to the bank, receiving processing results and account statements. It can be used by legal entities and individuals, as well as banks to work with correspondent banks, carry out interbranch exchanges, link legal entities with trading partners, etc.
The Bank-Client system works with the following types of documents: financial (payment order, collection order, application for the sale of currency, application for the purchase of currency, application for transfer, application for letter of credit, application for withdrawal of payment, announcement
for cash withdrawals, etc.); informational (a request for a payment search, an extract, a transaction passport, a certificate of currency transactions, etc.); postal messages (text messages generated by the client (bank) to be sent to a subscriber of the Bank-Client system or to a subscriber of a mail server); free format documents, which are text messages, endorsed and encrypted by senders (bank or client) and developed taking into account the wishes of banks.
The payment order is generated electronically once by the client, and not by the bank operator. This simplifies the day-to-day work of an accountant, speeds up payments and reduces the likelihood of errors in payment details. Upon receipt, the bank checks the electronic signatures on each document received from the client. The client's settlement documents are stored in the archive of the banking part of the system along with electronic signatures, which eliminates their distortion in the bank. Built-in encryption means encrypted transfer of information between the bank and the client.
The "Bank-Client" system has a multi-level security system and ensures the reliability, safety and confidentiality of transmitted information.
Internet banking was essentially a further development of the Bank-Client systems and has a number of advantages over them. However, some of these advantages can be viewed as disadvantages as well. For example, the use of an open network allows unlimited expansion of the circle of potential customers, but at the same time it is much more dangerous than the option of directly connecting the computers of the bank and its client. At the same time, an indisputable advantage is that the user is not "tied" to a specific computer on which special software is installed (the client's workstation is an integral part of the classic version of the Bank-Client systems), but can use any computer that has access to The Internet.
A particularly wide range of services via the Internet are offered to their clients by US "virtual" banks.
In the case of RBS of clients using the telephone and special programs, the computer is able to independently answer the client's questions. This type of banking services is used by the Telebank system.
It gives the client the opportunity to receive various reference information in speech and facsimile form, as well as to carry out some active operations on their accounts, namely:
Receive verbal information about account balances for any operating day;
Make a facsimile copy of an account statement for any business day, for an arbitrary period, including for the entire period of service at the bank;
Receive verbal information about the amount of receipts in favor of the client for any operating day;
Dispose of the movement of funds on the account. Each payment that the client can instruct to make is assigned a code, the system stores such payments in the form of "templates" of payment orders with fixed details and empty fields to be filled in by the client. When making a payment, the system asks the client for the payment code and offers to fill in the empty fields;
Revoke the payment order sent to the bank before it enters the settlement network of the Bank of Russia (at the client's request, the system generates a document canceling the previous order);
Conduct planned (mandatory) payments;
Order cash in any currency in order to receive it at the cash desk or exchange office of the bank;
Submit an application to the bank for the provision of a technical overdraft in the event of a shortage of funds on the account for making a responsible payment
Give an order to transfer a facsimile copy of a payment order sent through Telebank or in a standard way to your correspondent. When using this mode, the client has the opportunity to receive the goods (services) paid for by him, being in the supplier's office.
Telebank can give the client the opportunity to use convenient “voice mail” and “facsimile mail” subsystems for sending or receiving emergency messages, reference information or documents not specified in the number of standard system services (regulatory legal acts, accounting instructions, etc. .).
15.2.3. The main development trends (features) of RBS in Russia
A number of Internet banking systems operate in Russia: Ellips-Bank uses the Telebank-NN system to support Internet banking services; the system implemented in Guta-Bank includes the Telebank and Client-Bank Online systems; "Internet-Service-Bank" ("Avtobank") allows servicing private clients and legal entities via the Internet, minimizing visits by clients to the bank and reducing the costs of servicing them.
To service private clients in the Internet-Service-Bank (Avtobank) system, the Home Bank subsystem is used, which allows the client to buy and sell currency, pay for utilities, carry out intrabank and interbank transfers, pay bills of providers and mobile operators.
zi, open deposits, get access to information on payments made and account statements, replenish card accounts. Work with organizations is supported by the "Electronic Client" subsystem, which allows you to prepare and transfer payment documents to the bank via an electronic line and make ruble and currency payments, applications for the purchase / sale of currency (for a currency account), receive notifications from the bank about the passage of documents, statements on closed days, generate and send to the bank requests for statements on an unclosed day, keep an archive of payment documents transferred to the bank, place advertisements and advertise, track the current state of their accounts.
The system implemented in Guta-Bank includes the Telebank and Client-Bank Online systems. The Telebank system is designed to connect private clients with the bank and is used for buying and selling currency, paying for utilities, long-distance and international calls, cellular and paging communications, Internet access, replenishing plastic cards from accounts in the Telebank system, etc. The service is carried out by telephone, Internet or WAP-phone. The payment process takes from one day (in Moscow) to 2-4 days (far abroad). The Telebank system is best suited for prepayment of goods and regularly provided services (billing), since it does not provide for instant payments.
To organize e-commerce through the Telebank system, a legal entity, registered in accordance with the procedure established by law, and a bank account are required. It is enough for the seller to publish a description of the product or service, his bank details, instructions for cashless payments and a link to the settlement server of the Telebank system. A buyer who has an account in the system can use this information and independently make a payment. The buyer places an order in the online store, after which the store invoices him. In turn, he must fill out a form indicating the details of the store on the settlement server (where the store's invoice comes). Based on the data received, the authorization process takes place. The money is credited by the bank to the store's account, after which the process of delivery of the goods is carried out. The maximum speed of operations is achieved if the store is a member of the Telebank system.
The Client-Bank Online system provides access to accounts opened in Guta-Bank, obtaining information on account balances, making payments, etc.
To support Internet banking services, Ellips Bank uses the Telebank-NN system, which performs any banking operations around the world. With its help, the following operations are carried out
tions: preparation and transfer to the bank of the client's payment orders, transferring to the client information about the state of the account, attachments to statements, payment of utilities, mobile phone, making any payments, replenishment of plastic cards from accounts in the Telebank-NN system.
Bin-Bank uses a system that allows customers to: conclude transactions on electronic trading platforms (electronic stores, stock exchanges); monitor the status of the execution of transactions; draw up payment documents and conduct banking transactions via the Internet for ruble and foreign currency accounts; buy and sell currencies and securities over the Internet in real time; receive account statements; pay for transactions carried out in electronic trading systems via the Internet; form a package of documents for credit and factoring transactions; collect and analyze data on the financial condition of enterprises; issue and revoke digital user certificates; deliver payment orders to the automated banking system for further processing; import and export payment documents from internal client systems; to provide users with access to information on transactions carried out by the bank with customer accounts; notify users when conducting banking and system operations; create sales representatives (e-shops) and host them on an e-commerce server; participate in electronic tenders; conduct exchange transactions; integrate with e-commerce systems.
Payment systems in Russia face a number of difficulties associated with a low standard of living, an insignificant percentage of banking system customers, imperfect legislation, etc. However, analysts predict an increase in the use of such systems and the involvement of a larger number of online stores and users.
02/27/2015, Fri, 15:02, Moscow time
Omnichannel, NFC, PFM, “smart offices”, international standards - what innovations will help banks reduce costs and at the same time improve the quality of service? How to develop RBS, where to look for investments and what services to bet on were discussed by the participants of the conference "", which was held by CNews Conferences and CNews Analytics on February 17, 2015.pages: 1 | | next
Despite difficult times and shrinking IT budgets, banks do not plan to stop investments in the development of remote banking systems. As told Alexander Shestakov, Vice President and Chief Executive Officer for Information Technologies of Uralsib Bank, in recent years the bank has been constantly investing in RBS services, and the volume of these investments is growing from year to year. “We have no plans to cut spending on digitalization initiatives anytime soon,” she said. Elena Skuryatina, Head of the Electronic Business Department at Citibank. “We are not cutting anything in IT,” says Maxim Evdokimov, Vice President and Head of the Payment Business Development Department of TKS Bank, which in fact does not have any other sales channels, except for remote ones. - On the contrary, the recruitment of people and the implementation of the planned projects continues. We can talk about acceleration, because we abandoned a number of business projects planned before the crisis and moved towards the development of IT solutions ”.
Economic conditions and competition are forcing banks to cut tariffs. To keep fees flat or to grow, lending institutions must increase coverage. Banks unanimously report on the growing popularity of remote services, while the growth rate of users of mobile applications outstrips Internet banking. At Citibank, over 50% of transfers and 80% of payments are made remotely. In 2014, the number and volume of transactions carried out in the remote channels of Uralsib Bank almost doubled. 4.1 million residents of Moscow, or every third Muscovite, are registered in the Sberbank Online system, 500 thousand of them are active users.
Omnichannel bank
Different channels of remote banking services (RBS), such as Internet banking, mobile applications, contact centers, ATMs, should be integrated with each other and, in fact, become doors to a single bank environment. Then the client will have the opportunity to start the operation in one channel and complete in the other. The demand for omnichannel, that is, seamless integration of various RBS services, determines the further development of remote interaction between clients and banks.
“Both the bank and the client are interested in the development of RBS,” says Ilya Nikushin, expert of BSS - a developer of remote banking systems for the largest banks: Sberbank, VTB, Gazprombank, Rosselkhozbank, etc. In his opinion, further development of remote service systems will go towards the complexity and omnichannel of services provided. BSS solutions are already following this trend. The Correqts remote service platform allows you to work in the Internet Bank from any workplace and through various channels. The client can, having started the operation in the Internet bank, complete it in the mobile application. The expert believes that it makes sense to build RBS systems based on a modular architecture. This makes the solution easier to update and customize. In addition, the fault tolerance of remote services is increased.
Correqts allows you to display digital products of the bank itself and its partners in Internet banking, intended for sale through digital channels. The new version will have built-in functionality for managing personal finances and importing data from other online banks.
“The client does not need a specific bank, it is important for him to satisfy his needs. If, for example, you need to pay for utility bills, then he doesn't care which bank to do it in, the person just wants to do it as quickly and conveniently as possible, ”says Mikhail Rudkovsky, Director of the Bank XXI Department of the Moscow Bank of Sberbank of Russia. The expert understands the concept of "digital bank" as the ability to conduct all types of banking operations via digital channels. “Digital products must be developed for digital channels, otherwise you won’t earn anything,” he emphasizes.
If multichannel service implied service through a set of channels, then omnichannel implies the construction of a unified service environment, when channels become just different points of contact with the centralized platform of the bank. Thus, traditional and alternative sales channels merge, the quality of communication between the client and the bank does not depend on the chosen channel.
With an omnichannel architecture, a new digital product, such as pre-approved credit cards, is immediately available across all channels. Time to market is shorter and sales are more intense.
Mikhail Rudkovsky spoke about the innovations that have been implemented in his digital bank. To transfer money to another client of Sberbank, it is not necessary to know the recipient's bank details, it is enough to know the mobile phone number. "Linking card accounts to a mobile phone number in the Moscow Bank of Sberbank of Russia is now about 90%." The transfer can be done via SMS or mobile application. At the same time, Sberbank cardholders will be highlighted with a special icon in the mobile phone address book.
It's time for Cinderella to go to the ball
The development of corporate RBS systems lagged noticeably for some time, says the sales director of "Beefit" Stanislav Shilov: “Throughout the 2000s. we observed a paradoxical situation: the focus of interest was the systems of remote servicing of individuals, and RBS for legal entities existed in the roles of Cinderella, who cleaned the house well, but did not attract much attention to herself. The development of RBS for legal entities went on extensively. Now we see a trend that remote service systems for corporate clients are reaching a fundamentally new level, incorporating not only traditional banking services, but also near-bank ones, as well as functionality that is frankly not typical of credit institutions. " This allows to increase commission income of remote services and increases customer loyalty, the expert believes.
According to CNews Analytics, 81% of top-100 banks have implemented additional services for RBS users, such as electronic document management, reporting to government agencies, cloud accounting, etc. Banks are actively starting to look towards EDMS, Stanislav Shilov notes. “We see the greatest future in RBS systems in the organization of electronic document flow between corporate clients,” he stressed.
After the adoption of the relevant law, the banks implemented integration with the state information system on state and municipal payments (GIS GMP). Individual interfaces are usually intuitive and user-friendly. “At the same time, legal entities were left behind. It is assumed that a corporate client can fill a payment order himself and send it to the bank. We believe that for legal entities, as well as for individuals, it is possible to implement online interaction with the GIS GMP with automatic filling in of the details, ”said Stanislav Shilov.
Outsourcing vs inhouse
Outsourcing or creating yourself is the age-old question of CIOs. Alexander Novikov, Director of the Department of Remote Banking Services at B&N Bank, weighed the pros and cons of outsourcing the development of RBS systems. He himself made a choice in favor of industrial solutions, although he does not hide envy of banks that have teams of their own design: "In terms of design, their developers are ahead of the rest." In the ratings of Internet banks, the first places are occupied by solutions of internal development teams. At the same time, the development of RBS on its own is usually more expensive and carries with it a number of risks. When key developers leave, the service may "stop". Among the advantages of industrial solutions, which, according to Alexander Novikov, significantly outweigh the scales, he named the functionality honed at other banks and the proven integration with the ABS.
“If you do something, do it yourself and for the client. Not a single contractor will do you what you want, because he will do what you order him, - opposes Maxim Evdokimov. - Until 2013, we played outsourcing, ordering a mobile bank. He was good, but not the best. Then we invested in creating our own development team, and it paid off handsomely. "
Nice service
Banks consider remote service channels not only as a source of income, but also as a way to attract and retain customers. Today banks are chosen not only by tariffs, but also by interfaces. When developing client systems and their interfaces, first of all, it is necessary to take into account the needs of customers - it would seem that an obvious postulate, but not all developers follow it. Maxim Evdokimov gave examples of mobile banking applications designed to satisfy the management or surprise the world, but are inconvenient for the user. "First the product - then the candy wrapper!" - the expert urges to build a high-quality digital bank first, and then proceed to a beautiful mobile and web interface. Initially, it is impossible to start from fashionable design, he is sure.
Dear Customer!
In connection with the modernization of the section, information on Remote Banking Services of JSC Rosselkhozbank has been posted on the new online page of the site:
Dear Clients!
We remind you that in the subsystem "Internet-client" of the CA RBS system there is a mechanism for automatic updating of information on accounts during the day as payment transactions are made.
Information on executed payments and credited receipts of funds is available immediately after the transaction, with a delay of no more than 10 minutes (the maximum time spent on transferring information to your "Internet client").
To use this functionality in work, we recommend that you read the brief instructions for viewing balances and statements for the current day.
Dear Clients!
In accordance with clause 138 of the joint order of the Ministry of Telecom and Mass Communications of Russia and the Ministry of Construction of Russia dated December 28, 2015 No. 589/944 / pr, credit organizations through which payments for residential premises and utilities are paid in favor of organizations registered in the register of suppliers are obliged to place in the GIS Housing and communal services list of mandatory details identifying the payment, among which, among other things, one of the unique identifiers must be present (see recommendations for filling out payment orders when paying for residential premises and utilities Memo Housing and Public Utilities).
Dear Clients!
In connection with the entry into force from 28.03.16. amendments to the Order of the Ministry of Finance of the Russian Federation of November 12, 2013 N 107n, it is necessary to follow the instructions for transferring funds in payment of payments to the budgetary system of the Russian Federation when issuing orders for transferring funds to the budgetary system of the Russian Federation.
Dear Clients!
We would like to inform you that from October 30, 2015, amendments have been made to the Terms of Remote Banking Services for Legal Entities and Individual Entrepreneurs at Rosselkhozbank JSC using the Bank-Client / Internet-Client system (hereinafter referred to as the Terms), providing:
the ability to provide access to the "Bank-Client" / "Internet-Client" remote banking system (hereinafter referred to as the RBS system) to an individual authorized by the Client to monitor / control the movement of funds on the account using an accept signature;
changing the procedure for terminating the RBS Agreement at the initiative of the Bank / Client;
addition of a standard application form for the repeated production of a temporary certificate of the electronic signature verification key due to the expiration of its validity period (Appendix 20 to the Terms);
the procedure for changing the certificate of the electronic signature verification key in cases of changing the name of the Client / Bank in connection with changes made to federal laws / other regulatory legal acts;
expanding the list of system software on the Client's side that is acceptable for using the RB System.
We suggest that you familiarize yourself with the updated documents:
Connection to the "Bank-Client" / "Internet-Client" system
To connect to the RBS "Bank-Client" / "Internet-Client" system, you must:
- apply to the Bank's subdivision, receive a package of documents (or download documents from the Bank's website) and fill out the application forms in duplicate in accordance with the terms of the service;
- transfer the completed application forms to the Bank's division.
Currently, the Bank is moving to a new, improved version of the RBS.
Conveniently:
- Performing banking operations without visiting the Bank's office.
- Obtaining up-to-date information about the state of the account.
- Possibility to choose the "Bank-Client" or "Internet-Client" system.
- Round-the-clock information and technical support of the Client.
Functionally:
- A wide list of 1 documents available for submission to the Bank in electronic form.
- Import and export of 1C-Accounting documents.
- Connection to the RBS system of accounts opened in different regional branches of the Bank.
- Control of payments of subsidiaries.
- The work of several organizations in one workstation.
- Granting special access rights to the system 2.
Reliable:
- Secure file exchange with the Bank.
- Information security tools (eToken) are used, the reliability of which has been confirmed by external regulators and best practices.
- The ability to use a fixed IP address.
Beneficial:
Receiving financial information through any communication channels;
Reducing the bank's operating costs;
Bank image;
Increase in the client base due to the low cost of banking products;
Expansion of the credit institution to other regions, which leads to the expansion of the user area;
More comfortable conditions for clients to communicate with the bank;
Significant time savings;
Possibility of communication between the client and the bank 24 hours a day;
The potential client of the bank is freed from the rigid binding to the specific location of the bank.
42. Types of remote banking services.
According to the principles of operation of RBS systems, there are:
ON-LINE SYSTEMS - work in real time, i.e. a transaction made by a client is executed by the bank at the same time and is reflected on its balance sheet;
OFF-LINE SYSTEMS - provide for the presence of a time gap between the receipt of an order or client's request and its execution
The classification of remote banking services is shown in the diagram.
RBS selection criteria:
flexibility of the system, i.e. the possibility of remote implementation of all banking services that a client can receive while within the walls of a credit institution;
easy customization of new banking products and modification of existing technologies by the bank's own divisions;
extensibility - the ability to easily increase the number of possible ways to implement banking services;
Integration, a single help system for all subsystems;
Spread;
economic feasibility, payback and profitability of the system
Viewsremote banking services:
Bank-Client class systems (the so-called "fat" client)
Designed for the implementation of settlement and cash services to customers and the exchange of information between them and credit institutions.
Internet-Client system (the so-called "thin" client)
Does not require additional software on the user's computer. As a client program, you can use programs over the Internet using a standard browser. It allows you to connect to an information server in a credit institution in the usual way.
Telephone service (computer telephony)
Gives the client the opportunity, being in tone mode using the voice menu using a telephone and telefax, to receive a variety of information about the movement of funds on his account and about the state of the financial market
43. System "Client-Bank", the principle of operation.
The Client-Bank system is a software package that allows a client to perform transactions on an account, exchange documents and information with a bank without visiting the office of a credit institution. Information is exchanged via telephone and computer.
The Client-Bank system makes it possible to:
1) use a wide range of electronic payment and reference documents;
2) promptly deliver electronic documents to the bank, regardless of the actual distance of the client;
3) receive daily account statements;
4) receive debit and credit attachments to statements with a bank mark;
6) receive and send electronic documents in the form of messages and free format files signed with an electronic digital signature;
7) receive reference information from the bank;
8) upload electronic documents to the system for sending to the bank from their accounting systems;
9) upload from the system electronic statements received from the bank into their accounting systems.
44. Banking services at home and in the office.
Internet banking is the management of bank accounts over the Internet.
Internet banking is a complex of complementary financial products and services based on the presence of a bank account with a credit institution and using the main features of the Internet as a communication medium.
In foreign literature, instead of Internet banking, the term online banking is used, emphasizing the possibility of a client's access to banking services in real time.
Internet banking development models
To date, there are 2 models of Internet banking development:
I. Virtual banks - banks that do not have a traditional office and operate on the worldwide computer network.
The first virtual bank Security First Network Bank (www.sfnb.com) was opened in 1995 in America.
II. Traditional banks are banks that have their own offices, operating rooms and provide banking services to customers using the Internet.
Today, such Western banks as Citi corp, Bank of America, First Union, Wells Fargo, Bank Austria, Union Bank are successfully operating via the Internet.
The main advantages of the Internet banking feature
No need to install specialized software on the client side and store databases on your computer;
The client gets access to his accounts through the "standard" means of the Internet;
Internet banking makes it easy to scale business processes, since it does not depend on the growth or decline of the client base;
New products and services of the bank are instantly available to all Internet clients of the bank, since all changes take place on the bank's server.
Various protection methods are used to improve security:
session passwords, key floppies, and hardware keys that identify the client.
Based on the above, we can conclude that a large number of electronic payment systems, payment systems are based on the use of plastic cards.
Electronic settlement systems in banks also include customer service in offices and at home using electronic equipment, various electronic communications systems, cash settlements in e-commerce systems, and interbank electronic transfers. Many of them may not use plastic cards as a necessary element.
When servicing clients remotely, plastic cards may not be used, since they are replaced by other technological tools. But for the highest quality customer service, it is simply necessary to integrate card service services into remote banking services.
Much more attractive for the client will be a situation when, thanks to various systems such as "Client-Bank", he will not only be able to quickly send a payment document to the bank without leaving the office, but the recipient of the payment in another bank will receive money in the shortest possible time. Only by becoming a participant in modern electronic interbank electronic settlements, the bank is able to provide an appropriate level of promptness of payments for its customers.
The improvement of the economic mechanism in the context of the transition to the market places ever higher demands on the functioning of money circulation, the organization of settlement and cash services.
The growth of payment turnover and the resulting increase in distribution costs strongly dictate the need to create fundamentally new mechanisms of monetary circulation that provide rapidly growing needs for payments and accelerate the turnover of funds while reducing the costs of monetary circulation and reducing labor costs.
Home banking is banking services for clients at home and at their workplace.
Along with the use of ATMs, electronic settlement and payment systems, home banking is an independent form of banking services to the population based on the use of electronic technology.
Users of home electronic banking systems independently purchase the necessary equipment, and the bank advises clients on the equipment of home terminals and the purchase of the necessary software.
Such systems allow a bank client, using a monitor or TV screen, a personal computer, to connect via telecommunication lines (telephone or video) to a bank computer. In this case, banking operations can be carried out 7 days a week around the clock. Using this system allows you to manage your current account, deposit, client's settlements with the budget, payment and savings accounts.
Among the operations performed by connecting a personal computer to a banking computer system, we highlight the following:
● getting the account balance for the current day;
● familiarization with the details of instructions, rules, in accordance with which changes, corrections can be made;
● the ability to order a checkbook and a report on the movement of funds on the account for a certain period of time, making transfers to customer accounts;
● payment for the services of various companies (for example, issuing credit and other plastic cards, and using a computer at home you can pay bills in advance);
● execution of transactions with securities.
In some cases, customer service at home is not limited to their accounts in national currency.
From the point of view of servicing clients - legal entities, banks try to adhere to the established rules for the introduction of cashless payments.
The rules of settlement and cash services for clients, the rights and obligations of the parties stipulated in the bank account agreement, basically coincide with the rules and relations between the bank and the client when using systems such as
"Client - Bank".
The "Client - Bank" system allows (in the classic version):
● send payment orders to the bank;
● receive statements from clients' accounts;
● receive electronic copies of payment documents for crediting funds to customer accounts;
● exchange electronic text messages with the bank;
● receive reference information (list of performed banking operations, exchange rates);
● import (export) information with the automation system of the client's enterprise.
The "Client - Bank" system has a multilevel security system and ensures the reliability, safety and confidentiality of the transmitted information.
Offering clients to use the services of the "Client - Bank" system, the bank advises clients on the acquisition of the necessary equipment. In addition, the bank guarantees technical support: during the installation of the system and initial training of personnel; updating the software when new versions of the system appear; consultations and recommendations when the system is working by phone.
For a bank client, an individual or a legal entity, the most important deterrent for joining the number of users of such systems remains the payment for using the services of the system.
It is relatively difficult for banks to assess the effectiveness of these systems:
First, from the point of view of reducing the cost of maintaining buildings, structures, staff, paperwork;
Secondly, due to possible losses as a result of the rapid transfer by clients of their funds from non-interest-bearing accounts to income accounts.
Serving the bank's clients at home using the capabilities of the worldwide computer network has already received its well-established name "Internet banking".
The classic version of the Internet banking system includes a full range of banking services provided to customers - individuals in the offices of the bank, of course, with the exception of cash transactions.
As a rule, with the help of Internet banking systems, you can open and close deposits, buy and sell non-cash currency, pay for utilities, pay for Internet access, pay bills of cellular and paging operators, make intra- and interbank payments (within the country), transfer funds through your accounts, including card accounts, pay for purchases, studies, medical, insurance, law firms and any other bills and, of course, track all banking transactions in your accounts for any period of time.
Unlike the traditional one, the virtual Internet bank works around the clock, twenty four hours a day you can control your own accounts and, in accordance with the changed situation in the financial markets, instantly respond to these changes (by closing bank deposits, buying or selling currency).
Remote customer service can also be performed using the telephone and special programs, with the help of which the computer independently answers the customer's questions. This type of customer service is called telephone banking or telebank for short.
Telebank provides the client with an opportunity to receive various reference information in speech and facsimile form, as well as to carry out active operations on their accounts.
45. Telephone banking in Russia, principles of organization.
Telephone banking is a multi-channel customer service system by telephone.
Key Features:
High mobility;
Convenience of communication between the client and the bank;
Flexible help system;
Carrying out fixed and utility payments;
Operations with accounts through call centers;
Types of telephone banking:
PHONE-banking - access to bank accounts from the phone (general information, exchange rates, current balances, statements for the period for fax, replenishment, card blocking, telephone payments, limits, etc.)
WAP banking - access to bank accounts and cards via WAP (general information, exchange rates, etc.)
SMS banking - access to bank accounts and cards via SMS (current balances and scheduled statements, information on the movement of funds, subscription to bank news channels, service management, etc.)
MOBILE-banking - bank account management (ALL types of services)
The main functions of mobile phone banking are:
Obtaining information about the current state of the client's personal, card and investment accounts;
Account statements for the required period;
Obtaining information about the current exchange rates;
Obtaining information about the current stock prices;
Active notification of the client about changes in the balance of funds on his personal and card accounts;
Transfer of funds from one personal account to another within the bank;
Transfer of funds according to pre-prepared details; outside the bank
Client investment portfolio management;
Viewing the list of recent transactions for the selected personal account;
Acceptance of payment requests;
Transfer of applications for currency conversion.
There are 2 types of telephone banking
1. Customer service by operators
2. Using automated systems for working with clients
Telephone banking systems are actively used in the USA, England and the Scandinavian countries.
Telephone banking appeared in Russia in 1997
(Guta Bank, Converse Bank, Dialogue Bank and Russian Credit)
Factors constraining the development of telephone banking systems in Russia
High cost of systems implementation;
Long payback period;
Poor quality of telephone lines and a relatively low degree of telephone coverage in the regions;
Low level of public confidence in commercial banks and the level of demand for banking services;
Security.
46. Virtual banks. Banking services on the Internet.
At the beginning of the 21st century, new virtual financial institutions appeared on the World Wide Web - internet banks... There are more and more people who use virtual funds, and therefore the services of these banks, but the Internet banks themselves are still not very common in the countries of the former USSR.
Often, the concept of Internet banking is identified with Internet banking or representative offices in the Network of ordinary banking institutions. However, there is a fundamental difference between them. Internet banking is a system that helps to manage bank accounts, conduct various banking operations and transactions on the Web. And the Internet bank makes it possible to open an electronic account, where you can subsequently transfer non-cash funds from any virtual payment systems and offline banking institutions.
As a legal entity, virtual banks, in fact, are not banks. Rather, they are called parts of a financial services corporation or intermediaries with similar partners in many countries around the world. Thanks to such an extensive structure, consisting of thousands of partner banks, the system is very user-friendly. It is advisable to use them, for example, in a situation where the one who sells something and the one who buys live in different countries. In this case, the buyer can transfer money for his purchase to the seller's account through a partner bank located in his home country.
A virtual bank account can work with any currency. Therefore, without withdrawing from the account, funds can be freely transferred from the currency of one country to the currency of another. Such banks provide services for transferring funds from an account through the Western Union system or using a credit card, transferring money by bank transfer to another bank (both virtual and offline). As it should be, the system takes a commission for all these manipulations. An exception is the transfer of money to another user of the same bank. The system does not charge for this.
When transferring funds to clients of a virtual bank, the system uses one bank account. To transfer money to a specific user, the details of this user, to whom the transfer is intended, are entered in an additional field.
For some WebMoney Transfer users, such banks can be the most profitable way to manipulate funds. To deposit money, you first need to fund your multicurrency account, and then transfer these funds to WebMoney of the appropriate type. To withdraw them, you must transfer the virtual amount to an account in the Internet bank, and then withdraw it either via bank transfer, or via Western Union or another system. Carrying out these manipulations, the user needs to pay 1-1.5% of the amount for each of them as a commission. But other methods of depositing and withdrawing funds are much more expensive. There is only one caveat: the minimum commission is $ 20. Therefore, it is beneficial to use Internet banking when large amounts are entered and withdrawn.
A feature of the work of Internet banks is that they cannot guarantee the safety of input-output operations, since they do not conclude contracts for their implementation. This is necessary in order to maintain the anonymity of users. You do not need identification documents to register in the Internet Bank. That is, you can own an account in it absolutely anonymously.
The Internet banking system is constantly working to protect itself from fraud. One of these ways is the existence of several types of accounts. Some of them are intended for new clients, about whom the bank knows nothing, others - for those who, in the bank's opinion, cannot be a fraud, and still others - for trusted and well-known clients. The higher the level of confidence in the bank, the higher the threshold for the amount of funds deposited. The system provides various service bonuses to well-proven customers. And although at the moment there have been no high-profile scandals associated with fraud in this system, banks do not get tired of assuring us that they do not finance dubious projects, since the reputation and trust of customers are more expensive for them than risky profits. Despite all these assurances, excesses in the Internet banking system still exist. For example, one of the well-known virtual banks kept accounts frozen for a long time, as it was involved in judicial red tape. One can only imagine how the bank's clients felt, who appreciated in it, first of all, the availability and efficiency of operations. Therefore, based on this example, we can say that all financial systems have their own shortcomings, including internet banks... Another disadvantage of such banks is the periodic interruption of work due to technical problems in the system or hacker attacks.
Despite all my troubles internet banks have very broad prospects. Their advantages are the efficiency of work, the absence of bureaucratic delays inherent in ordinary banks, continuous improvement and expansion of the system's capabilities. Thanks to this, the army of clients who trust this method of manipulating funds is constantly growing. Moreover, most of the users are clients of the WebMoney Transfer system.
47. Modern trends in the development of banking electronic services.
48. Ensuring the security of electronic systems.
Basic rules that the buyer should follow
Never share your password with anyone, including employees of payment systems.
Check that the connection is indeed in SSL secured mode - the closed padlock icon should be visible in the lower right corner of your browser;
Check that the connection is established exactly with the address of the payment system or Internet bank;
Never save your password information on any media, including a computer. If you suspect that someone has gained access to your personal account, change your password or block your account / account;
After finishing work, be sure to press the Exit button;
Make sure your computer is not infected with any viruses. Install and activate antivirus software. Try to keep them up to date, as the action of viruses can be aimed at transferring information about your password to third parties;
Use software from trusted and trusted sources and update regularly.
Statistics
According to statistics, the following systems are most often attacked: terminals (32%), database servers (30%), application servers (12%), web servers (10%). Workstations, authentication servers, backup servers, file storages and so on account for only 10%. These statistics clearly show the relevance of the security of sites and applications, since through their vulnerabilities most often it becomes possible to gain access to data.
What ensures the security of payment systems
Secure / encrypted internet connections
Currently, the presence of an SSL certificate on the site is not a sufficient condition for the safe conduct of online payments. Only an integrated approach certified in accordance with modern international standards allows us to say that the security of processing Internet payments is ensured at the highest level.
Client protection
Login / password for accessing the system, which is being tested for complexity;
A combination of bank card number, expiration date, cardholder name, CVV / CVC codes;
The ability to create a virtual card that duplicates the main one for online payments;
Technical protection
Linking a payment service to a fixed IP address and customer phone number;
Implementation of client access to the system via the encrypted HTTPS / SSL protocol;
The ability to use a virtual keyboard for typing identification data (countering the interception of personal data);
Separation of the channels for generating transactions and the channel for authorizing transactions:
authorization of transactions is carried out through a special code, which, when making a payment, the client receives from the system to his mobile phone via SMS (a random combination of letters and numbers, valid only for several minutes).
Protection of plastic cards
Attackers most often try to gain access to card data. The research reports of specialists in the field of payment security - Verizon and Trustwave companies indicate statistics: in 85 and 98 cases out of 100, respectively, the target of the attack was precisely card data.
Payment systems certification
Certification of service providers and business owners (merchants) with more than 6 million transactions per year is subject to Qualified Security Assessor (QSA) certification, which are issued in Russia by IBM, NVision Group, Deiteriy, Digital Security, TrustWave, EVRAAS IT, Informzashita, Jet Infosystems, Croc Inc.
Certificate of Compliance with Payment Card Industry Data Security Standard (PCI DSS);
Security certificate for compliance with international requirements for information security management in the development, implementation and maintenance of software ISO / IEC 27001: 2005;
Use of an electronic digital signature (EDS);
Licenses for the right to carry out activities for the provision, maintenance, distribution of encryption (cryptographic) means.
Starting July 1, 2012, the use of uncertified applications by companies subject to the PCI DSS standard will be prohibited.
PCI DSS information security standard in the payment card industry was developed by the international payment systems Visa and MasterCard and is a set of 12 detailed requirements for ensuring the security of data about payment cardholders that are transmitted, stored and processed in the information infrastructures of organizations. Taking appropriate measures to ensure compliance with the requirements of the standard implies an integrated approach to ensuring information security of payment card data.
Vulnerabilities and remedies
From the point of view of information security, the following vulnerabilities exist in electronic payment systems:
Transfer of payment and other messages between the bank and the client and between banks;
Information processing within the organizations of the sender and recipient of messages;
Client access to funds accumulated on accounts.
One of the most vulnerable places in the electronic payment system is the transfer of payment and other messages between banks, between a bank and an ATM, between a bank and a client.
Protection when forwarding payment messages:
The internal systems of the sender and recipient organizations must be adapted for sending and receiving electronic documents and provide the necessary protection during their processing within the organization (protection of end systems);
The interaction between the sender and the recipient of an electronic document is carried out indirectly - through a communication channel.
Problems to be solved when organizing payment protection:
mutual identification of subscribers (the problem of establishing mutual authentication when establishing a connection);
protection of electronic documents transmitted through communication channels (problems of ensuring the confidentiality and integrity of documents);
protection of the process of exchange of electronic documents (the problem of proof of departure and delivery of a document);
ensuring the execution of the document (the problem of mutual distrust between the sender and the recipient due to their belonging to different organizations and mutual independence).
Ensuring the security of payment systems
To ensure the functions of protecting information on individual nodes of the electronic payment system, the following protection mechanisms must be implemented:
endpoint access control;
control of message integrity;
ensuring the confidentiality of the message;
mutual authentication of subscribers;
guarantees of message delivery;
impossibility of refusal to take action on the message;
registration of a sequence of messages;
monitoring the integrity of the message sequence.
The quality of the solution to the above problems is largely determined by the rational choice of cryptographic means when implementing protection mechanisms.
Payment system is a system of interaction between participants
From an organizational point of view, the core of the payment system is an association of banks, united by contractual obligations. In addition, the electronic payment system includes trade and service enterprises that form a network of service points. For the successful functioning of the payment system, specialized organizations are also needed that provide technical support for servicing cards: processing and communication centers, technical service centers, etc.
49. Programs for automated entry of payment documents.
Cognitive Forms: VPD provides:
100% accuracy of information input;
Highest input speed;
Maximum automation of input - all basic actions can be performed without operator participation.
The technology underlying the Cognitive Forms system: VPD has been developed over 3 years and, as the company's specialists explain, VPD is the only system in Russia that allows automatic processing in a single stream of the main types of bank payment documents: payment orders, payment requests, etc. collection orders.
Test tests in banks have shown that the use of the Cognitive Forms: VPD system allows 2-3 times to reduce the time for entering payment documents in the bank's ABS in comparison with automated systems of a similar class from other developers
The cost of one Cognitive Forms workplace: FPA is 580 USD. When purchasing new versions (Upgrade), users of this product receive a 50% discount. According to a number of experts, the system "Cognitive Forms: Entering Payment Orders" is a leader, whose solutions have been implemented in more than 400 Russian banks and financial institutions.
No bank today can effectively work with clients and cope with the influx of documents if it does not use specialized input technologies.
Today, there are several systems for automating the input of information from paper:
“ABBYY FineReader Bank” and “Cognitive Forms VFD” based on optical recognition technology;
“BiPrint” and “Atlas-Barcode” complex based on bar coding technology.
As practice shows, the use of systems based on optical recognition technology, the process of entering documents, as a rule, is accompanied by editing the recognized information, and according to the statement of ABBYY itself, "FineReader Bank" provides only 95% of the accuracy of information input. In addition, OCR technology requires an expensive scanner and high-performance computer to achieve high performance.
Systems based on bar-coding technology are devoid of these drawbacks, since a barcode scanner is much cheaper than a flatbed scanner and provides 100% input accuracy, and software for long-distance information processing can work on the operator's existing computer Vesta with the RCO module of the automated banking system. In this case, the speed of the program is several times higher than when recognizing a document.
All these qualities make it possible to transfer the information processing mode from BackOffice to FrontOffice.
Considering the systems based on the bar-coding method, it can be noted that the Atlas Barcode complex differs in an advantageous way over similar complexes, primarily in its client part - "xPrint".
More compact barcode (more than twice) saves customer consumables.
The variety of bar coding methods provides the Bank with great freedom in the choice of reading equipment.
Also a distinctive feature of “xPrint” is the ability to carry out numerous checks when printing a document.
Bank clients quite often confuse accounts and correspondence in places. invoice, do not fill in the “Beneficiary's checkpoint” field for tax payments, sometimes they simply leave the fields blank. Such mistakes create an extra burden on the operators in the Bank and force the client to visit the Bank several times. “XPrint” detects these errors at the stage of printing the document and warns the client about it.
At the same time, the client does not experience any difficulties when printing documents with a code. All that is required of him is to install the program by pressing one key and print documents from his accounting program to an additional virtual printer that appears in the system after installing the software.
In addition, the bank's clients can use the program for preparing payment orders, included in the “xPrint” package, executed in the “Excel” environment, the entire package being placed on one floppy disk.
In the banking part of the complex, information from the barcode is read using a barcode scanner. Further, due to the unique quality of the system, namely the openness and structuredness of the barcode data, two options for processing the information received from the scanner are possible:
direct integration of the reading equipment with the RCO module of the banking system, which ensures the operator's usual mode of operation;
use of the banking part of the Atlas Barcode system.
The banking part of the Atlas-Barcode complex implements all the main functionalities inherent in automated information input systems.
The list of functionalities can be found here.
In addition, the system can be used as a gateway between the accounting program and the Client-Bank program (in case of difficulty importing the client's accounting program data by the Client-Bank program), and, if necessary, as a Client-Bank system for transfer of payment information via the Internet.
List of documents supported by the barcoding system:
Financial documents:
Payment order.
Payment claim.
Collection order.
Payment order.
Application for a letter of credit.
Memorial Order.
The software of the Atlas-Barcode complex is designed in such a way that the expansion of the list of processed documents is practically cost-free.
The Atlas-Barcode system does not use hardware copy protection, such as “hardlock”, which in turn removes restrictions on the use of software within the Bank.
All of the above suggests that, upon a detailed examination, the use of the Atlas-Barcode complex remains one of the most effective ways to automate the entry of payment documents, counting on the nearest prospects for the development of cash settlement automation technologies.
Internet client program.
The RBS "Internet-Client" system is an ideal solution for Clients who are interested in the possibility of carrying out all types of banking operations, providing full control over the state of their accounts from anywhere in the world in real time.
The Internet-Client system has all the advantages of RB systems. To use this System, you only need Internet access; work with the "Internet-Client" system takes place on an interactive site in an Internet browser window.
Advantage, additional conveniences of the "Internet Client-Bank" system
1) Ability to work with the system 24 hours a day, 7 days a week, 365 days a year
2) The ability to fully work with the Internet Client-Bank system from anywhere in the world from any computer connected to the Internet!
3) The work does not require the installation of special software on the Client's side.
4) There is no need for its constant support of the system, updating, visit of the Bank's specialist to the Client, etc.
5) The ability to carry out operational control over the state of accounts and the movement of funds, thanks to a well-thought-out response scheme (responses) to documents sent to the bank and the ability to independently request account statements for any date.
6) The ability to transfer / exchange with the Bank any text information in the form of a mail message and files of any format.
7) Access to information of the electronic bulletin board.
8) Possibility of preliminary verification of the details of documents.
9) High speed of work.
10) Friendly, intuitive interface.
11) Highly competitive pricing for installation and service.