 Home Solutions ... Internet Banking
 In the fast evolving technological world in which we live the Internet has become an essential communication tool in providing instant information and services at the touch of a button. Many industry sectors have harnessed this open all hours communication delivery channel to enable customers access to products and services at any time of the day or night. Utilising the Internet in the Financial Services industry means meeting the changing market demands, enabling 24 hour fast, easy and convenient access to many financial services, reducing costs, exploiting additional marketing opportunities and gaining a wealth of other advantages.
Internet Banking is one of the solutions in the remote banking range developed by Compass Plus. The solution is empowered by the TranzWare eBank module within TranzWare Online and offers a comprehensive, highly secure, feature-rich internet banking service and can set financial institutions deploying it on the way to reaping all the benefits provided by the Internet as a financial services delivery channel.
List of Services
One of the distinctive advantages of the Internet Banking solution in comparison with similar solutions offered on the market, is provision of a truly broad range of financial services and transactions that can be securely accessed and performed by means of various Internet devices (personal computer, wireless PDA, WAP on mobile phone, etc):
General Services:
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View card/account portfolio, view general card/account information (type of card/account, card expiry date, cardholder name, etc) |
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View card/account balance (total, cleared), card/account statement, all or selected operations (transactions) for a specified period on a card/account (data displayed can include: date and time of transaction, type of transaction, name and address of the ATM, merchant, card number used in this transaction, amount in account currency, amount in transaction currency (if applicable), date and time funds were charged-off/entered an account, etc) |
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View card/account links |
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View/change card status (active, blocked, lost, stolen, etc.) |
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View/change card limits |
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View/change user ID, passwords (including 3D Secure password), etc. |
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View/change card/account description |
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View/change parameters of notification messages |
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Send/receive notifications (message exchange with the bank) |
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Generate virtual (Internet) card and set its parameters (expiry date, limits, amount of usage, etc.) |
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Select language (multilanguage functionality is supported) |
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Help with the service |
Fund transfers:
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Types: |
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Between own accounts |
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To any other personal or business account held in the same bank |
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To another card (P2P) |
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Arbitrary |
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Deferred |
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Periodic |
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Operations: |
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Funds transfer planning |
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View/change planned transfers |
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View transfers history |
Payments:
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Types: |
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Arbitrary Payments (choice of payment recipients from those defined by the bank) |
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Predefined payments (choice of payment recipients from those defined by the customer) |
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Deferred and periodic payments |
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Operations: |
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Payments planning |
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Create/change payment templates |
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View/change predefined payments |
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View payments history |
Purchases:
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Purchasing prepaid products (e.g. scratch codes for mobile phone and Internet services) |
The set of functions available to a system user can be restricted per specific users (user groups) if necessary.
Security
As with all products in the TranzWare family, special attention is devoted to security when using Internet Banking. The solution has all of the following security features:
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Data exchange security is enabled by SSL protocol |
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Static user authentication (ID, password, PIN, etc) |
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Dynamic user authentication (memorable word (randomly selected symbols), SMS passwords, etc.) |
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CAP/DPA technology support |
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Blocking access to the service if a PIN, user ID, other passwords, etc are entered incorrectly several times in a row |
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Option to specify that the PC used for this session is not owned by the user (no authorisation records will be kept on the PC) |
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Setting of transaction limits |
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Various combinations of the above |
Key Benefits
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Broad range of banking operations and services |
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Easy and convenient Internet-card generation |
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User-friendly interface |
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Advanced security features (extensive range of user authentication options) |
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Easy integration with other TranzWare products and modules as well as third-party solutions |
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System parameterisation |
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System activity monitoring |
To discover more about the Internet Banking solution please contact us.
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List of operations available to the WAP users is limited to all the listed view operations above, change card/account description, change card status, change language and change user ID, PIN, password. |
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List of operations available to the PDA users is limited to all the listed view operations above, change card/account description, change card status, create an Internet card, change language and change user ID, PIN, password. |
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