Remote banking service

Remote banking service (DBS) is a generic term for technologies of provision of banking services by the client to a remote image (that is, without a visit to the Bank), most commonly using a computer and telephone networks. For descriptions of the technologies used by different DBS in a number of intersecting value terms: Client-Bank, Bank-client, Internet-bank System RBS, electronic banking, Internet banking, online banking, remote banking, direct banking, home banking, internet banking, PC banking, phone banking, mobile banking, MOBILE banking, SMS-banking, GSM banking, TV banking. Types of distance bank service DBS (RBS) Technology can be classified by type of information systems (software and hardware) used for execution of banking operations: The system "Client-Bank" (remote PC-banking, banking, direct banking, home banking) systems, accessed via a personal computer. The Bank provides technical and methodological support to the client during installation, initial training of the personnel of client, software updates and customer support for further work. The system "Client-Bank" provides full design and depository services and maintenance of RUR and foreign currency from a remote workstation. The system «client-Bank», you can create and send to bank payment documents of any type, as well as receive from the bank account statements (information about movement on account). Security system "Client-Bank" are different encryption systems. Use "Client-Bank" for legal persons is still one of the most popular tech RBS in Russia. The system «client-bank» is divided into 2 types (fat client, thin client): Bank-client (fat client) Classic type of Bank-client. On the user's workstation is a separate client. Client stores all its data on your computer, usually a payment documents and statements of accounts. Client can connect to the Bank through various communication channels. Most often to connect to the Bank is a direct connection via modem or data transmission over the Internet. Internet-client (thin client) (on-line banking, Internet banking (Internet banking), WEB-banking), a user logs on through your Internet browser. System Internet-client resides on a Web server of the Bank. All user data (payment documents and bank statements) are available on the website of the Bank. Technology-Internet-client are also systems for mobile devices (mobile site), PDA, smart phones (mobile banking (mobile banking) on the basis of Internet-based client can be provided information services with a limited set of functions (for example: extract on-line). The telephone-Bank (telephone banking (phone-banking), telebanking, telephone-client, SMS-banking) as a rule, the phone-Bank have limited functionality compared to the system "Client-Bank": information about account balances; information on income in favour of the client; Enter requests for facsimile copies of account statements; writing applications for cash payment order; writing applications for the transmission of a facsimile copy of the payment order; application for execution enter the template instructions for the transfer of funds; Transmission of information from the client to the Bank can be done in different ways depending on the implementation of the system: Chat client with operator telephone services (Call Center). Using a touch-tone phone (Touch Tone Telephone) and voice menu (by means of a computerized telephone (IVR (Interactive Voice Response)), Speech to Text, Text to Speech). By sending SMS (SMS-banking) Services using automated teller machines (ATM banking) and banking samoobsluživaniâTehnologii RBS using self-service devices are one of the most popular in the world and in Russia. There are several types of RBS type used by the device: RBS using automated teller machines (ATM banking) — are based on the software installed on the Bank's ATMs. See the banking card RBS using payment terminals; RBS using information kiosks. Financial regulirovanieUslugi on RBS are governed by the following provisions of the Central Bank of Russia: Provisions on 26.03.2007, no. 302-p "on the rules of accounting in credit organizations, located on the territory OF THE RUSSIAN FEDERATION The provisions of no. 2 03.10.2002-p on non-cash transactions in Russia ". Provisions on 24.04.2008 No. 318-p "on procedure of cash transactions in credit organizations on the territory of RF" (p. 2 of 8 «cash when using an ATM, automated teller safes and other program-technical complexes "); The provisions of no. 36 23.06.1998-p "interregional electronic payments through the Bank network of Bank of Russia; The provisions of no. 12.03.1998 20-p "on the rules for electronic document exchange between the Bank of Russia, the credit organizations (affiliates) and other clients of the Bank of Russia in implementing payments through Bank network of Bank of Russia. Temporary regulations on 10.02.1998 No. 17-p "on the reception of the order holders signed analogues of a handwritten signature, the non-cash settlements by credit organizations" In addition, you should understand the requirements: Federal Act of 10.01.2002 № 1-FZ Of electronic digital signatures "; Standard Bank of Russia-100 BR IBBS v1.0-2006 "information security organizations in the banking system of the Russian Federation; Letter from the Bank of Russia on 03.04.2004 No. 16-Ton "of information content and the Web sites of credit organizations on the Internet" Letter from the Bank of Russia from 07.12.2007 No. 197-t "on the risks of remote banking service Letter from the Bank of Russia from 31.03.2008 No. 36-t "on the recommendation on the management of risks arising from the implementation of credit institutions with Internet-banking" system Letter from the Bank of Russia from 30.01.2009 No. 11-t "on the recommendation to credit institutions on additional measures for information security when using Internet banking system" ON-LINE BANKING services are governed by the following provisions of the National Bank of Ukraine: Statement on 21.01.2004 No. 22 of cashless payments in Ukraine in national currency, Chapter 11. RBS system manufacturers BSS Diasoft ROS BIFIT Faktura .ru R-Style Softlab — set of Interbank ÛniSAB ICN BSC (BALANCED SCORECARD Group) Literature Remote banking service, 2010, ISBN 978-0-406-00350-3, 328 pp. Money orders and accepting payments, 2009, ISBN 978-5-94416-067-6, 512 pp. See also Automated banking system Bankcard payment Systems Manufacturers of hardware and software for ATMs Information portal on payment terminals Mailer (FidoNet) Category: banking Category: banking technology Category: Informational tehnologiiaz: Elektron bank sistemi bg: Elektronno bankirane bn: ইন্টারনেট ব্যাংকিং cs: Internetové bankovnictví da: Netbank de: Electronic Banking en: Online banking es: Banca online fr: Banque électronique is: Heimabanki it: Home banking ja: inntaanettobannkinngu ko: onrain baengking lt: Internetinė bankininkystė nds-nl: Internetbankieren nl: Internetbankieren nn: Nettbank no: Nettbank pl: Bankowość elektroniczna pt: Banco internético sv: Internetbank zh: 網lu銀xing