Information part
Main possibilities
Look-up: • Account balances
• Account transactions
Supplementary possibilities
Advanced search of documents (by parameters: amount, currency exchange rate, counteragents’ details, payment details, etc.)
Logging in the system from non-secure PC, for example, from Internet-cafe (it is used the list of single-use passwords, each password can be used only once).
Information services (for example, currency exchange rates of NBU for any date as from January of 1999).
Distinctive features
System is built up on a level with the highest world standards. The most secure encryption and data protection methods are applied. The system compares well with the best world analogues.
Data exchange is carried out by the protocol Secure Sockets Layer (SSL) 3.0, SSL 2.0 or TLS 1.0 (IETF RFC 2246).
The protocol SSL allows to solve the following tasks:
o Server’ authentication that guaranties to the users that they get to the Web-server they wanted to visit;
o Encryption of the transmitted information (it is used 128-bit encryption in case the browser supports of such key length);
o Data protection from casual or intentional distortion when transmitting.
The certificate of the server is issued by one of the World Certification Centers – Thawte Consulting.
• After logging in the system, the customer gets access to the information on all his own accounts :
o At one page – balance of customer personal account and of current accounts of several of his companies.
o Any types of accounts: current, foreign currency, plastic card, deposit, credit line and other.
o At one page – balances on accounts opened in different branches of the bank. .
Active part
This service allows creating and sending to the Bank payment orders in national currency. The access to the service is performed by means of ordinary Web-browser and any type of connection to the Internet. No special software is installed. .
PIVDENNYI Bank has the license to perform activity in the field of encryption protection of data issued by the Department of special communications and data protection of Security service of Ukraine (DSCSDP SSU).
The system makes use of software certified by DSCSSI SSU that generates, imposes and releases electronic digital signature (EDS), ensuring impossibility of falsification of electronic documents. The imposition of EDS allows to determine precisely document’s author and to protect the document from unauthorized change.
The EDS checking-up program is also certified by Thawte Consulting Company.
Encrypting protocol GOST 28147-89 with encryption mode and feedback is used for secure data transfer between client workstation and bank server.
Each document transferred from client to bank is digitally signed using algorithm GOST 34.344-95 with key (GOST 34.310-95) of 1024 bit length.
For easy documents composing the page contains Banks directory (Search of bank by MFO or substring in its name) and Counteragents directory (search of counteragent by substring in previously composed documents) with automatic payment order fields filling.
Templates with full or partial filling of fields may be used to simplify performing of recurring payments.
You can create a new document in three ways:
• Direct entry, i.е. direct filling of all fields of the form;
• Using template ;
• Copying of any previously typed document.
Floppy disk is used by the system as a key carrier.
Secret key is additionally protected by the password.
There is a possibility to import documents from external source, for example, accounting programs or manually composed text file with separators.
The possibility of documents’ statements tracing from the moment of their sending to the Bank has been provided.
Setup possibilities.
PIVDENNYI Bank respects the individuality of each customer and adjusts itself to his individual needs. In the Internet-Banking system this quality has been expressed in very flexible possibilities of system’s settings.
• Data fields. In the Table “Statement of account�? Client may switch on and off the appearance of columns with Account name, date of last transaction, account type (asset, liability, counterasset, counterliability) etc. In the Table “Account turnover�? Client may switch on and off the appearance of the columns with currency exchange rate, details of corresponding account, value equivalent in national currency, account balance after each transaction etc. It is also allowed to vary the font size for each column of the table (for example, Account balance value – with large Bold font, Account name – with small italic font.
• Design. The user can tune colour scheme (for example, “green tints�?, “pumpkin�?, “lilac tints�?), Font size and type, and other parameters.
Perspective of development
• Active part: possibility to process documents in foreign currency ;
• Language versions (European languages).
Security
