Electronic banking
System iBank2 from the leading Russian developer of the company "Bifit" (Bank and Financial Internet Technologies) is the full-function decision for electronic banking with support of all channels of access — Internet (on-line and off-line), WAP, SMS, phone (a voice, a fax, a modem).
Now the share of electronic documents from the total number of payments of Clients makes 95%, this direction is one of priority in the Bank development. The list of products within the limits of electronic banking constantly extends with a view of Clients requirements and is updated according to the last changes of the legislation.
The system iBank2 is distinguished by intuitively understandable interface and usability. The program helps to fill up documents correctly, to printout them, keeps archive of the transferred and received documents, is equipped by directories and can be integrated with accounting programs.
System advantages:
· practically immediate arrival of information from the Client to the Bank and from the Bank to the Client;
· Client’s payment order comes right away to Bank’s pay system and is accepted the same operational day;
· at any moment the Client receives extracts from bank accounts showing cash flows, turnovers and a balance;
· “iBank2” System provides
security of information exchange. Information is encoded and signed by electronic signature which is unique for every Client;
· The Program helps correctly fill in form fields, prints them out and saves sent and received documents. The Program provides reference-books and documents from other systems;
· The Program may be used from any computer linked to Internet and equipped with Java virtual machine;
· The simplicity of the Program use is provided for constant context help at every step of document creation. The Program use does not demand examination of bulky documentation. It is enough to understand several steps of information exchange.
The following operations are accessible to the electronic banking system users:
· Registration and sending of payment orders in the Bank ;
· Preparation of all kinds of currency documents;
· Formation of extracts under the account of the Client;
· Sending and reception of messages;
· Sending of statements for the letter of credit.
The security of electronic documents’ interchange is provided by means of their encoding and application of electronic digital signature (EDS).The maximum reliability of storage of closed key EDS is reached at use of hardware encryption providers: USB-tokens and smart cards iBank2 Key. The system «iBank2» is delivered with several already embedded certificated with FSS (Federal Security Service) of the Russian Federation multiplatform encription libraries.
The OTP-token — the device generating the additional One Time Password on sending confirmation of documents in the Bank allows to provide more safety level at use of Remote Tools at each new reference.
Depending on technical possibility and current problems the Clients can choose necessary types of access to electronic banking system:
Internet-banking provides the possibility of full access to all necessary services of electronic banking system on-line.
RS-banking is used for work with electronic banking system off-line.
Mobile-banking provides the management of bank accounts from PPC, communicators and smart phones with operating system Windows.
A number of additional services allows to use possibilities of the system as much effectively as possible.
The additional option — information-announcing system SMS-Banking helps users of electronic banking system to control accounts of the company by means of SMS, e-mail and ICQ.
Holding bank gives possibility on-line to operate accounts of the several organisations, to carry out financial monitoring and approval of documents.
On-Line manager is intended for rendering of services in preparation by the bank employees of documents of the Client. First of all it is focused on preparation of documents on the currency transactions which registration demands deep methodical knowledge from the corporate Client and frequently brings essential difficulties.
Salary Project — free additional module allowing automatically to form registers on transfer of salary and to bring them to the Bank through iBank2.
