Banking online and concept about it

Internet is very convenient for the provision of banking online services - it allows you to instantly and at minimal cost to provide access to financial information system, account management, online payment system and so on. All this greatly simplifies client access to the bank, reducing queues and reduces the cost of maintaining client offices.

But while the Internet is a system open to the threat of invasion. This obviously means that when you create a web service banking online need to come up with a particularly robust methods and systems security.

Today, there are enough advanced security of information transmitted, including secure channels, and sophisticated encryption packages, and signature. All of these systems do protect electronic transactions virtually safe.

The documents that we make in the usual bank make sure our signature that gives them some (albeit small) degree of protection. At the same time employees have the opportunity to compare the band of your signature on the slip (check left by the store when paying by credit card), or on the deposit slip, or on request to transfer money to the signature stored in your personal file at the bank (or the signature on the passport, if the personal do not care). When making a transaction online, the bank has no confirmation of who pays, on whose behalf the transaction is committed.

In order to resolve these doubts, a mechanism for digital signature - a personal identifier attached to a request or a request to the banking online, an asymmetric key cipher. The essence of the encryption that you are the owner of the two encryption keys. "Closed" key you encrypt a message, and the "public key" - distributed freely and it can be used to decrypt the message. In this case there is a system of certificates, then there is a special organization, which confirm that this is your key. Thus, the recipient of your message can be absolutely sure that it is sent to you.

Our country has already adopted a law on digital signatures, so it has the same rights as an ordinary signature on paper, and, therefore, it is possible to sign a full range of banking documents.

System of communication with the banking online over the Internet or modem connection is very common and is offered almost any. The service "client-bank" to manage the account from a remote computer using a secure connection (or encryption, or through a virtual tunnel), and EDS. Among the features of such systems - obtaining statements, paying bills, opening of credit lines.

This system can be attributed to the new class is - online banking. Hallmarks of the new class is not only the discovery of deposits and loans, buying and selling currencies, unlocking and locking of bank cards, but also the empowerment of customer service. There is a communications center with the staff of the bank, special templates for setting the standard fees, calendars, to set schedules of regular payments (for a flat or phone) and so on.

Thus, the system of banking online - it is more deeply integrated with the bank service system, not just the terminals to the current account. Some banks are specifically oriented to work online and function as a day-night mini-banks.