internetbank i pad bank product
DESCRIPTION
Internetbank i pad bank productTRANSCRIPT
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Content
General characteristics of the system
Architecture
System functionality
Implementation proposal
Our Team
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General characteristics of the system
FlexibilitySupports both individual and corporate clients
Convenience and ergonomicsInterface complies with modern standards, design fits with the corporate style of the bank
Functionality and stabilityWide functionality and possibilities to expand
Efficiency and safetyIntegration with the existing systems of the bank by experienced team of developers
Cost optimizationNo need for system development from scratch, as the proposed solution has been tested and properly implemented at both the State owned and in commercial banks
PrivacyIndividual and secure approach whilst working with client’s data
Effective SupportTimely resolution of issues when providing maintenance and warranty support for
the system
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Architecture
Internet Bank Mobile Bank iPad Bank
Back Office CIS
Bank Link
SMS MessagesBusiness RulesManagement
Card System
The Core Banking System
CRM HR Management ReportingFinancial Management
Data Warehouse
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Functionality and platform
Functions implemented into the system• Orders and statements• Loans and deposits• Cash balances, statements• Correspondence with the bank• Managing credit cards• Access for corporate clients• Document templates• Utilities payments• Mobile bank
Technologies• Oracle WebLogic server – a stable platform• Oracle Database – secure data storage• Java and J2EE – the core technologies
E-signature support Private banking workspace (Back Office) Daily and operating limits Flexible system of access rights User administration Logic checking of business rules
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Main functions of the system
Internet Bank
AccountsBalance
Report
CardsTransaction history
Cards management
Accounts and Cards
DepositsManagement
SavingsManagement
Payment to/fromSaving account
Deposits and Savings
Payment list
Payment template
Payment typeDomestic
Internetional
Standing orders
Management
Fixed amount payments
Defined currency payment
Currency exchange
Other bank defined payments
Search
Archive
Import payment
Balance maintenance
Payments
Loans
Management
Investments
TransactionsPortfolio Management
Replenishment
Applications management
Deposits and SavingsAccounts Investment
Payment cards Loans
Personalization
SettingsMessages SMS/E-mail notifications
SecurityAdministration Audit & Logs
Multi-lingualMulti-currency System customization
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The Limit system
• Limit types– Operating– Daily limits
• Installation options– General (default) – within the bank’s policy– Individual – for corporate clients
• Various installation schemes– Limits on the client– Limits on accounts– Limits on certain types of payments
• Printing out contracts for setting and changing limits
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User access rights
• Flexible access rights system for clients
• Multiple clients can be tied to a single user (login)
• Ability to set up access rights depending on the client
• Separate document signing option for cases where multiple signatures are required for
sending a document to the bank for processing
• User blocking
• Mandatory password changing
• Setting up allowed IPs
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Private banking workspace (Back Office)
• Communication with the client
– Private messaging
– Messaging client groups
– Messaging all the clients of the bank
• Business rules for routing documents to the bank system, for example Т24
• Working with documents
– Viewing documents sent by a client before sending them to the bank system
– Viewing document history
– Changing document status
– Preparation of documents on behalf of the client
• Journal of user actions
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Security and privacy
Our system has a multilevel security system that permits performance of all operations in a secure environment. The main elements of the security system are as follows:
– Security of the certificate server with access via HTTPS / SSL connections and encryption– Two-factor authentification of a client when logging on to the system and signing
documents– All user actions are recorded in detail in a database and are available for reporting or
auditing– Flexible system of access rights based on user roles, allowing/restricting access to various
parts of the system– Date and time of the last user connection to the system available to the client to verify
possible unauthorized access
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Characteristics
• The system is available 24 hours a day, 7 days a week
• The average response time of the system is less than 5
seconds
• The number of users simultaneously working with the
system is unlimited
• Clustering and scaling capabilities without re-encoding
the system
• The system architecture allows to build and develop the
system functionality
• Storing documents in a local database thus achieving
autonomy and independence from the banking system
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Bank system (Corebank)
Autonomy of operation
The Internet Bank system uses a private database for storing documents, thereby achieving work autonomy that does not depend on the state of the bank system.
Clients can prepare and send documents at every time: even when the bank system for some reason is not available.
Internet Bank
ClientWeb server Database
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Design of the system interface
The system architecture makes it possible to adapt the «Internet Bank» system interface in accordance with the corporate style of the Bank.
CSS, AJAX, XML technologies.
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iPad Bank
Allows full access to banking services from iPad device providing customers with native iPad experience
Cutting-edge response by bank, providing customers with a new experience when using services
New communication channel is an opportunity to introduce new services via the new platform
Touch-screen based interface supports ‘next generation’ PCs
iPad solution with 100% internet bank functionality (iOS 5.0+) Design and image in line with brand and corporate image
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Internet-banking Mobile Application
• The application allows Bank market their products and provide other related services to their customers, engaging customers’ full potential
Our focus: data security, providing task-orientated and user-friendly interfaces, at the same time integrating the application with Banks’ business infrastructure
• Tailored solution with the features including (but not limited) account balance review, history and approval of payments, list of application letters and payment templates
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Implementation proposal
The «Internet Bank» system
Adaptation according with the business requirements of the bank
Design style of the interface adapted to the corporate style
System piloting
Commissioning
Warranty support
Implementation of updates
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Our Team
Team structure• Project manager, system architect, analysts/programmers, database specialists, test
specialists/technical writers.• The team has internetbank development experience for 10 years
Experience in Financial sector• Projects in the commercial sector: ABLV, DNB, SEB• Projects in the State & public sector: The State Treasury, Altum (Mortgage Bank), Citadele• Functional IT audit, security audit• Billing systems• SUN, Oracle certified specialists
Project implementation• Exigen Services is the official partner of Oracle Gold Partner• Management systems and information exchange: JIRA, SVN, UML, WIKI
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Contact us
Agris SnepstsBusiness Center [email protected](+371) 2945 5886 www.exigenservices.com