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User Guide ING Online Czech Republic

1. WMI Create a template Recurring Payment order RPO Alias Start date End date Repeat every e Step 3 Users have to type an alias for the recurring payment choose the start and end dates as well as the frequency of the payments All fields are mandatory to be filled in Figure 31 Recurring Payment order Alias My first recurring payment Start date 13 Mar 2010 Next execution on 13 Mar 2010 End date 13 Mar 2011 Repeat every Month e Step 4 Click and the template for recurring payment is complete ING Online User Manual Czech Republic May 2013 28 e Step 5 Sign and send the recurring payment order through Sign Send in the actions box under the payment order The created payment order template has to be signed and sent in order the repetition mechanism for the payment to be triggered When the RPO template is in status Sent the application will automatically generate payment orders in status Sent according to the chosen schedule The first payment order will be created at 00 00h on the chosen start date If this is the current date the first recurring payment order is created immediately It has to be kept in mind that in case the execution date of any scheduled payment is a nonworking day the payment will be executed on the next working day Another smart feature of ING Online RPO mechanism is the introduction of date variables These date variables can be entered in the details section of the RPO template Upon
2. Street City Country Beneficiary Bank SWIFT Name Address Town Country Account No Payment Title Payment Details Details of charges Date Express payment this check box indicates whether the payment is going to be an express payment or not Date By default the system uses current date which is in the format 01 Jan 2000 Payment orders are accepted with current or future value in case future value does not exceed the last business day of following month Initiating Party The fieldset Initiating party usually contains information about the ordering party its account name and address By default ING Online automatically fills in these details based on the information existing in its database about the ordering customer However there are cases when the ordering account of the transaction belongs to a payer who is acting on behalf of another customer E g a financial institution making payments on behalf of its clients In these cases it is important that data about the initiating party of the transaction is filled in and sent to the bank When such a case is present then the fields in Initiating party fieldset are used to send data about the initiating customer name account address and city Users still choose the ordering account from the account drop down list but may overwrite the information entered by the application and enter details about the initiating party instead
3. Customer Alias accout OOOO O CUTEney PBR mame CZ9335000000001000391111 CZK CZ9335000000001000395555 USD CZ9335000000001000398888 EUR Customer Name 2 Customer Alias CZ9335000000001000396666 CZK CZ9335000000001000393333 USD CZ9335000000001000392222 GBP Setting aliases for customers and accounts is confirmed by the button Thus users can easily recognise their customers and accounts as customer and account aliases are shown in filters and drop down menus throughout the application For instance the friendly name given to an account is shown not only in Account Management but in Sign and Send screens as well Group Management Under Group Management users can create groups of accounts to facilitate the process of report summarization The function is also useful for statistical purposes With this function users have the possibility to create a new group edit existing groups names or delete groups Assign to group Through the function Assign to Group users assign accounts to the specific group they have already created The application offers possibility to add to a group or remove accounts from groups at any time Users simply select the accounts they want to add or remove and click the buttons or R Settings Under Settings ING Online users set the number of displayed rows in a page per different reports or functions such as Sign or Edit Users also indicate a Reporting Currency the currency
4. PAYMENT SECTION Note Ordering Initiating party information contained in tag 50K shall be stored in the transaction as it is and shall not Reference Total Amount of payments Total count of orders Paying Bank BIC Paying Bank Name Paying Bank address Paying Bank City Ordering party name File Name Senders reference Bank operation code Value Date Currency Amount Ordering Initiating party details Ordering Customer account Ordering party BIC Beneficiary bank local code Beneficiary account Beneficiary name Beneficiary address Beneficiary city Details of payment Additional information Additional information Details for charges BEN SHA OUR be overwritten by the beneficiary party information existing for that customer in ING Online ING Online User Manual Czech Republic May 2013 37 Salary payments ING Online accepts upload of files with salary payments Currently two types of file formats can be used text files in a csv file format using semi colon as delimiter between the fields and text files in CFD file format using WIN1250 encoding The process of upload of salary payments includes the following steps Step 1 Users choose salary payments in the drop down list under Payment Files Upload In accordance with the format of the file to be uploaded users have to choose between files in csv format and CFD format Step 2 Select the customer and the account that shall be used to instruct the payments
5. New and is included in the package as well The total amount of the package is recalculated to subtract the amount of the cancelled transaction and to include the amount from the new transaction generated because of the edit action The summary of a package containing a cancelled transaction can be seen below Figure 50 Package Summary Status Created by Test User 01 Jul 2011 15 49 51 No 2 Sign 1 Status Sign 2 Unlocked Package Package Info Pack Name my_pack Count Amount 110 00 Cancelled Transactions 1 Amount of Cancelled Transactions 200 00 Transactions Control Count Transactions Control Amount 310 00 Source Manual Customer name Test Customer REFRESH gt VIEW TRANSACTIONS gt ING Online User Manual Czech Republic May 2013 42 Transaction management In the section Transaction management users of ING Online obtain information about all initiated transactions of the customer All functional screens under Transaction management contain lists with initiated payments This information may be filtered in numerous ways in order that users get the most of it Transactions can be easily signed and sent in bulk as well as modified Users can define selection criteria to view different subsets of transactions selected by account period of time type and status of payments payment details currency beneficiary amount reference and dates Users may also choose whether to view packages or not The field Amount
6. User Guide ING Online Czech Republic Your gateway to Central and Eastern Europe ee IAT RY Ci ES Contents Introduction to ING Online 4 News 5 Rates 5 Account information 5 Filters and search 5 Balances 6 Balances by group 7 Movements 7 Statements 8 Financing 9 Deposits 9 Loans 10 Guarantees 0 Letters of credit 10 Transactions 11 Validation of fields 1 Completion of transactions Display of amounts Actions with transactions 12 Track changes 12 Templates 4 Set and remove default values 16 Domestic payment 7 Direct debit 19 International payment in CZK 21 International payment 23 Foreign exchange 25 Deposit request 26 Draw down request 27 Recurring payment orders 28 Files upload 31 Upload formats 3 Domestic payment orders 32 International payments 35 Salary payments 38 Processing of uploaded files 39 Packages 39 Locked packages 39 Unlocked packages 39 Creation of packages 40 Transaction management 43 Transactions by beneficiary 43 Transactions by user 45 Transactions by group 46 Sign 46 Send 47 Edit and cancel 48 Documentary files 48 Customer to bank files 48 Bank to customer files 52 User limits 53 Beneficiary files 54 Personal settings 55 Customer and Account alliases 55 Group Management 55 Assign to group 55 Settings 55 Security 56 Important information 56 Change password 56 Digital certificate 56 Secret questions and an
7. is used to enter an amount range and the currency for that amount is the reporting currency Users have the option to summarize the information for their transactions according to chosen filter criteria as well as to export it into a downloadable MS Excel file All reports in Transaction Management are limited to a six month time period Transactions by beneficiary Figure 51 Transactions by Beneficiary Print Help Filters From To Account Date 16 Feb 2011 16 Feb 2011 Book Date Type Amount O Value Date Currency Reference O Sent Date Status Details O with details Beneficiary Packages Show x COLUMNS 16 Feb 2011 21 Feb 2011 407638 Foreign Exchange 1000332075 12 345 54 CZK 3500 1040390919 Test Beneficiary 2 Details DETAILS 1 DETAILS 2 16 Feb 2011 16Feb2011 407637 a 1050390921 345 00 EUR SOCBPFTX FR7617469000008500567 Test Beneficiary 3 Details Invoice number 450284584 16 Feb 2011 16Feb2011 407636 Domestic Payment canes First 1330390970 1000 00 CZK 99505 5955017 Test Beneficiary 4 Details VAR 1238492383 Details 1 Details 2 he function Transactions by Beneficiary generates a list of all initiated transactions for review with beneficiary information he information represents the following transactions requisites e Entered The date of actual capturing uploading of transactions e Value date The value date of the transactions e Reference The reference number assigned to the
8. Files Upload all transactions uploaded with a file become a package of transactions The default name of the package is the file name of the uploaded file When processing the uploaded file users can give an alias or a friendly name for the package If users place a tick in the Locked Package box when processing the uploaded file then the created package will be a locked package otherwise it will be an unlocked package Figure 45 Processing Print Help Filters From To Date 21 Apr 2009 21 Apr 2009 zl Name F8226 test text 668 bytes SHA1 Checksum Test User 1 4016 MT100 Path test txt 21 Apr 2009 Yes Payments 1 No Total 10 Accepted 1 Rejected 13 09 16 Name F8227 test_sal text 885 bytes SHA1 Checksum Test User 2 21 Apr 2009 salaries 4017 MT103 Path C test_sal txt 15 43 09 Manual creation of packages ING Online application provides the opportunity to manually create packages for the purpose of grouping of transactions according to users criteria Manually created packages are always unlocked If a transaction from the package needs to be modified prior to sending to the Bank then it is automatically cancelled and remains in the package with a status Cancelled while the new transaction derived from the modification gets status New and is not included in the package Manual creation of packages can be done through Transactions Management Transactions By Beneficiary or Transactio
9. e New Empties the form of the current transaction so that users can enter different data for the same type of transaction e Copy Copies the current transaction in case users need to execute exactly the same transaction once more Users can still edit the records in the transaction e Edit The form opens in an editable view and users may introduce changes to the transaction e Cancel Cancels the current transaction Users may still find the cancelled transaction using the Transaction Management section in the left side menu of the application Should it be opened again it could only be copied or saved as a template e Save as Template Saves the transaction as a template for further usage This function is covered in detail in the next paragraph e Upload new C2B In case a transactions requires documents to be delivered to the Bank users are given the opportunity to upload these documents and link them to the transaction in question if necessary The function Upload Customer to Bank Files is explained in detail in the section Documentary Files e View C2B files Users may view already uploaded files linked to the transaction in question or check if files are uploaded at all Again this functionality is explained in the section Documentary files e View RPO Schedule This link is visible only in case of recurring payment order templates Users are directed to the recurring payment orders report where all templates
10. 00 8100 8 1011005555 1500 485 52 January salary D file format follow the same format requirements as described in the section for upload of domestic Detailed description of fields type length and permissible symbols is given in the Annex to this document Processing of uploaded files Users have to process the files after upload so that the payment details from the uploaded file are unpacked extracted and transformed into transactions The options for modifying a transaction that is uploaded with a file are the same as the options for manually captured transactions In case of upload of identical files identical content and not file names the application warns the users that a file containing the same information has already been uploaded irrespective of file being processed or not The processing screen contains a list of uploaded files By default the processing screen shows most recently uploaded files Below is an example of a processing screen Figure 44 Format File info Uploaded by Process Package Zednicek Name 20063 packi txt 2146 bytes SHA1 checksum Antonin 5962 MTLOS Path C packs pack1 txt 02 03 2009 m 14 51 59 he column No shows an automatically generated consecutive number for every successful upload of file he Format column contains information for the file format File info contains information about the name size and the path the location of the file on the client s computer o
11. Date O Value Date O Sent Date LE with details Beneficiary Packages Add Remove trx zl my_pack zl SHOW gt SUMMARY gt 04 Jul 2009 05 Jul 2009 100747 Domestic Payment New 1000332075 345 00 04 Jul 2009 04 Jul 2009 100746 Foreign Exchange Resistered 4000332075 12 345 54 International i i 03 Jul 2009 04 Jul 2009 100745 Payinent Registered in 050390921 10 045 54 02 Jul 2009 04 Jul 2009 100744 Domestic Payment Sent 1330390970 22 382 67 100743 01 Jul 2009 08 Jul 2009 100747 Domestic Payment Cancelled 1000332075 345 00 Actions with Packages List of Packages 0800 995505 5955017 Test Customer Ltd 3500 1040390919 Test Beneficiary Ltd SOCBPFTX FR76174690000085005670 Test Beneficiary Ltd 3500 1245123467 Test Beneficiary Ltd 0800 995505 5955017 Test Customer Ltd All functions in the Packages menu start with presenting a list of packages Information for each package in the list include pack name customer name and status of package count of transactions within the pack the control amount and source an uploaded file Users may filter the packages by name number status date and customer By default the date is the current date Users can review the contents of a package before signing and sending it to the bank Packages Review The function allows reviewing of both types of Packages Locked and Unlocked ING Online User Manual Czech Republic May 2013 41 Packages Sign and Send The function is applic
12. Online users may organise their accounts in groups as explained in the section Personal Settings The function Transaction by Group allows users to filter sort summarise and print transaction records for transfers executed through accounts belonging to one or more previously defined groups of accounts as well as for all accounts users have rights to execute transfers with Transaction records may be filtered by type of payments status of payments beneficiary account dates and periods amount range beneficiaries and users Users may also summarise transaction records by currency customers and branches Sign Figure 56 Transactions to Sign Print Help Filters From To Account Mi Date 21 Apr 2009 21 Apr 2009 Book Date Type z Amount O Value Date Currency Reference Status zl Details F with details Beneficiary Packages Show El 21 Apr 2009 21 Apr 2009 Foreign Exchange New 1000332075 12 345 54 Test Beneficiary 2 21 Apr 2009 21 Apr 2009 ee Soned vitn first 1050390921 345 00 Test Beneficiary 3 Test User 1 Vv aymen 21 Apr 2009 21 Apr 2009 Domestic Payment Signed with first 1000332075 1000 00 Test Beneficiary 4 Test User 2 K signature SELECT ALL gt 1000332075 13 345 54 1050390921 345 00 The function Sign is used to sign documents before sending them to the bank Depending on the account policy of the company the documents can be sent with one or two signatures The Sign screen shows a lis
13. criteria in the filters box above the payments area ING Online User Manual Czech Republic May 2013 47 Edit and cancel Figure 58 Transactions to Edit Print Help Filters From To Account Date 16 Feb 2011 16 Feb 2011 x Book Date Type Amount Value Date Currency Reference O Sent Date El E Ej Status Details with details Beneficiary Packages Show D SHOW gt SUMMARY gt EXPORT gt 16 Feb 2011 21Feb2011 407638 Domestic Payment New 1000332075 12 345 54 CZK 3500 1040390919 Ben Name 1 16 Feb 2011 16Feb2011 407637 ala New 1050390921 345 00 EUR SOCBPFTX FR7617469000008500567 Ben Name 2 Edit 7 Signed with First Signature 1330390970 1000 00 CZK 0800 99505 5955017 Ben Name 3 i O 16 Feb 2011 16Feb2011 407636 Budgetary Payment DELETE gt SELECT ALL gt re The function Edit Cancel is used to edit or cancel a particular transaction Upon entering this function users see a list of all documents they have rights to edit In case editing is done after first signature or even after second signature of the transaction the old document remains with status cancelled and a new document is created which has to be signed Again users choose and select the payments they want to edit and click on Edit in the Edit column of the table with payments Cancellation of payments is done accordingly select payments or select all payments through the button Select all and then click on the button EE
14. filed and 12 December 2009 in the second date field and click EDIB The output screen shows the balances for that specific ING Online User Manual Czech Republic May 2013 6 account during that period day by day The information for accounts balances can be sorted by clicking on the column headings in the table Information for the account balances contains Opening balance Debit and Credit turnovers and Closing Balance in the original currency of the account The last column of the table showing account balances contains the closing balance of the accounts converted to the reporting currency at the exchange rates of the local national bank for that day This conversion serves only informational purposes ING Online customers may always print any information through the print button in the upper right corner of the screen The printed document is in HTML format and contains the current view on the screen Additionally ING Online provides another practical option to export the information in a MS Excel file that can be downloaded and stored in the client s computer The information in this output file remains filtered if filtering has previously been applied For that purpose the customer has to click to download the information Note Please ensure that you downloaded the file and saved it on your hard drive instead of opening it straight from the application If some cells in the file contain please increase the width of the columns
15. for recurring payment orders can be reviewed e Sigm Sign the current transaction e Send Send the current transaction to the bank for processing Track changes Information for all payments entered in ING Online is Kept in the register of payments All information about transactions including who has entered the payment what and when can be seen under Transaction Management Transactions By Beneficiary and Transactions By Users Correcting a payment is always done by cancelling of the old payment and creating a new one The function Track changes visualizes the changes made in individual payments through the Edit function Users are given he opportunity to easily navigate to the cancelled payment and see exactly what has been changed in the new one Both old and new transactions views contain links to each other and a link to Track Changes E g A new transaction created through he Edit function has the following Actions box Figure 13 Actions New Copy Edit Cancel Save as Template Sign Send View Cancelled Document Track Changes Upload new C2B View C2B files ING Online User Manual Czech Republic May 2013 12 Here users may view the cancelled document and track changes made A click on Track changes would lead to a similar screen like the following Figure 14 Status Entered by Test ING Online User 01 Jul 2009 09 44 03 o 100743 S
16. format is a blank space An example of a domestic payment in a CFD file format is given below The description of the subfields is given on the right side separated by Figure 37 HD 11 030217 3500 1 0100 Payment type 11 for normal transfer 01 for urgent transfer Date YWYMMDD Orderer bank code Serial number Beneficiary bank code KC 100 000000 CZK Amount Null field Currency code UD 0000000123 UCET PRIKAZCE Pre account number of ordering party Ordering party account number Short description of orderer bank account AD 2525252525 Specific symbol for ordering party If this field is empty in the payment screen 0 has to be filled in DI PRIKAZCE Ordering Initiating party description 1 ULICE PRIKAZCE Ordering lnitiating party description 2 PRAHA 5 Ordering Initiating party description 3 UK 1010101010 Pre account number of beneficiary Beneficiary account number Short description of beneficiary account AK 0 Specific symbol for the ordering party If this field is empty in the payment screen 0 has to be filled in KI WERF Beneficiary description 1 details 2 Beneficiary description 2 details 3 Beneficiary description 3 details 4 Beneficiary description 4 EC 0058 Constant symbol maximum 4 characters from the left ZD 6548468678 Variable symbol for the ordering party ZK 6548468678 Variable symbol for the beneficiary party AV DETAIL 1 Supplementary information 1 DE
17. open by default If not make sure the General tab is selected Under Browsing History click Delete A new window will now pop up Click Delete Files listed in the Temporary Internet Files section When Internet Explorer finishes clearing the files click Close at the bottom on the window and then OK Mozilla Firefox Through Tools Clear recent history or pressing Ctrl Shift Del A new window will pop up Besides Time range to clear click Everything Click on Details and select only Cache Select Clear Now Setting default values resembles the template feature complemented with the fact that users may choose to set default values for certain fields of the payment forms Every time users log in the application the interactive payment forms will contain the set default value in the corresponding fields How it works All editable fields in a payment form have a little paperclip attached Figure 20 ING Ba Date DOMESTIC PAYMENT T RINGS Date z Beneficiary 5 Beneficiary s Nam Address city Sy Beneficiary is ING Online User Manual Czech Republic May 2013 16 Any value entered in the fields with a paperclip can be used as default value for these fields when capturing a payment A simple click on the paper clip brings a pop up menu Figure 21 ING S Date DOMESTIC PAYMENT T RINGS gt Beneficiary Set Remove Beneficiary s Name Benef
18. orders ING Online User Manual Czech Republic May 2013 30 Files upload In this section users of ING Online can upload files with transactions in different formats The function Upload validates the content of the file according to selected type of payments and the file is accepted or rejected depending on the results of validation All upload files are text files Usually the Upload function is used for uploading files generated by the company s accounting system After selecting a file to be uploaded and its type users click the Upload button Every file contains data for one company only When uploading the file the system formally controls the file format and the access rights Upon successful upload the file appears in the Processing menu Upload formats ING Online Banking provides for the upload of the following types of files Figure 35 File Upload Please select type of the file CFD_WIN1250 CFD_8859_2 Please select file max 5MB Cen Tames CFA_8859_2 CFA_IBM852 CFA_WIN1250 Single credit transfer format MT103 UTF16 FLS Salary Payments FLS Salary Payments_CFD e CFD file format e CFD_8859_2 e CFD_IBM852 D_WIN1250 e CFA file format e CFA_8859_2 e CFA IBM852 e CFA_WIN1250 e Single credit transfer format MT103 The differences among the three separate types of CFD and CFA format are derived from the different encoding of the files The following types of transactions can be
19. sent to the bank via upload of CFA and CFD files e Domestic payments e Requests for Direct Debit International payments The single credit transfer format MT103 can be used both for domestic and international payments e FLS Salary Payments text files in csv file format e LS Salary Payments in CFD format All files can contain more than one transaction In such cases the total count and the total amount of transactions in an uploaded file are validated Q ING Online User Manual Czech Republic May 2013 31 Domestic payment orders Domestic payment in CFD file format The CFD file format for domestic payments in the Czech Republic has the following structure Figure 36 File Header Payment Order Header Payment Block Next Payment Order Header Next Payment Block end of payment order Payment block lt CR gt lt LF gt FieldCode Subfield Subfield Subfield Trailer block The lt CR gt lt LF gt stands for a new row The identificator consists of two letters e g HD KC UD etc and the subfields define details of the payment The lines starting with S1 and S3 form the trailer block of the file containing information about the total count and total amount of transfers The trailer block is mandatory for every file with transactions The data elements contained in a field form subfields A subfield is identified by a subfield delimiter which in the CFD file
20. the names of the user who has captured or uploaded the transaction Sign 1 The name of the user who has signed the transaction with first signature Sign 2 The name of the user who has signed with second signature e Sent by The name of the user who has sent the payment to the Bank At Transactions by user ING Online users may sort filter summarise download and print transaction records the same way as in Transactions by Beneficiary User management of the report is available as well ING Online User Manual Czech Republic May 2013 45 Transactions by group Through Transaction by Group users may search filter or browse for transactions with assigned groups of accounts Figure 55 Transactions by Group Print Help Filters l From To Accounts Groups All accounts Date 16 Feb 2011 f 16 Feb 2011 x Book Date Test group of accounts Amount O Value Date Reference Type All x Status All z Show By Beneficiary Summarize SUMMARY gt Group Name Test group of accounts 16 Feb 2011 21 Feb 2011 407638 Foreign Exchange New 1000332075 12 345 54 CZK 3500 1040390919 Test Beneficiary 2 International 16 Feb 2011 16 Feb 2011 407637 Payment New 1050390921 345 00 EUR SOCBPFTX FR7617469000008500567 Test Beneficiary 3 16 Feb2011 16Feb2011 407636 Domestic Payment A First 1330390970 500 00 CZK 0800 99505 5955017 Test Beneficiary 4 Group Total 13 190 54 EUR Total 13 190 54 EUR ING
21. to Customer files is available for a period no longer than 6 months tis preferable to download files save them on the client s computer and then open them from their new location on the client s computer Figure 64 Bank to Customer Filters From To File Type All Date 23 Feb 2011 23 Mar 2011 a Show All Files Download Status All 18 Mar 2011 15 42 Private message Private Message Bank_rates txt 0 7 KB downloaded My Customer Ltd 11 Mar 2011 09 12 Brochure brochure pdf 1 2 MB ING Online User Manual Czech Republic May 2013 52 User limits The user limits report provides information for used limits There are three types of limits in ING Online e User to customer limit The maximum amount that a user may utilize through signing transactions on behalf of a certain customer in a defined period of time e User to account limit The maximum amount that a user may utilize through signing transactions from a certain account in a defined period of time e Maximum sending limit The maximum sending limit restricts users from sending a payment which amount exceeds the set maximum sending limit though users can still sign payments with amounts higher than their maximum sending limit User limits in ING Online can be daily weekly or monthly The used limits are cleared every night at 00 00h after the transactions are sent to the bank for execution If a transaction is cancelled the limit
22. to download the generated statements in PDF format Generated PDF files are digitally signed with a technical certificate issued by ING PKI Both PDF and printed statements contain six items per sheet Account statements are also generated as downloadable text files in MT940 format and may be directly imported in the accounting program of the customer All statements for all accounts for each working day for the requested period are downloaded in one file The order of the statements in the files is first sorted by account numbers then sorted by dates The detailed structure of an MT940 text file is covered in the Annex to this document ING Online User Manual Czech Republic May 2013 8 MT942 file format is used to transmit detailed and or summary information about entries debited or credited to an account for a period of time Figure 6 Account Statements Filters From To Date z z penne a at 1000335702 TEST CUSTOMER ONE Ltd CZ4535000000001000335702 1040390909 USD TEST CUSTOMER ONE Ltd r CZ9235000000001040390909 1330390907 EUR TEST CUSTOMER ONE Ltd r CZ0235000000001330390907 1000335710 CZK TEST CUSTOMER TWO r CZ2335000000001000335710 In order to download a statement in the different file formats ING Online Users have to select the accounts by clicking in the check box next to the account select the desired date or period and click the corresponding buttons either for MT942 for MT940 or fo
23. wants to utilize This amount must be filled in without any delimiters for the thousands The delimiters and are interpreted as delimiters of the integer part from the fractional part Currency the currency in which the utilized amount is denominated in The currency of denomination of the amount and of the account that the funds will be utilized through must be the same Disbursement date the date on which the client wants to utilize the funds it must be prior to the repayment date and after the date of conclusion of the loan contract Repayment date the date on which the money will be repaid ING Online User Manual Czech Republic May 2013 27 The interest rate a choice is given between the interest rate agreed upon for the entire loan and the interest rate agreed upon specifically for the current advance object of this request In the latter case the client must fill in the appropriate interest rate Please Credit Account Account number The number of the client s bank account into which the requested loan must be received This account can be chosen from a list of all the accounts from which the user has the right to initiate draw down requests Name filled in by the system based on the account chosen it is the name of the holder of the account Permissible symbols and length of fields Fields Permissible symbols Length of fields Amount 0 9 and the special symbols and Comma or dotacceptedas 1
24. whole template is selected it will contain all template data entered previously by the user ING Online User Manual Czech Republic May 2013 15 Set and remove default values Another powerful feature of ING Online is the opportunity to define default values for all fields in all interactive payment forms Itis easy to set a default account for domestic payments or to use the same beneficiary data for international payments The feature of setting and removing default values can be enabled or disabled through Personal settings Settings Figure 19 Display option for setting Default Turn On x Values in Payments Partially Turn Off The application can work in three modes to displaying and setting default values On Off and Partially On Paperclips become visible on many fields in the interactive payment forms With these default values can be set used or removed Off The paperclip is not visible and no default values are shown and Partially Default values already set will be used but the option paperclip to change default values will not be displayed Note Please check that the browser cache is cleared after altering the default values settings so that changes take effect immediately Browser cache can be removed the following way Internet Explorer Once open click on the Tools menu at the top of the page Select Internet options at the bottom The General tab should
25. yet been sent the sum of these transactions will occupy limits for the current day Unsent transactions from the previous day have priority over payments from the current day Thus it can be arrived at a situation where some daily limits are going to be insufficient for the successful creation of orders under RPO templates Invalid certificates When one of the certificates used in the creating signing or sending the RPO template is invalidated during the active period of the RPO the next payment order under this RPO template will not be created In these cases the RPO template must be edited signed and sent using the new certificate s in order to be correctly executed The certificates can be invalidated when they expire or are being revoked e Certificate expiration The user certificates used to access ING Online are issued by default for two years 14 days prior to the certificate expiration ING Online generates a message in the News section of the application on a customer level with a warning for certificate expiration After receiving the new certificate users have to log in with it and edit the RPO template e Revoked certificates Certificates are usually revoked in cases of blocked or lost smart cards deactivation of users etc Changes in the signing policies on customer account or user level The application also sends a warning message in the News section 14 days before the expiry of certain recurring payment
26. 100743 Sign 1 Test ING Online user 01 Jul 2009 00 12 21 Status Sign 2 Another Test ING Online user 01 Jul 2009 00 12 21 Registered in the bank Sent by Another Test ING Online user 01 Jul 2009 00 12 21 Recurring Payment Order The status box of the templates for recurring payment orders accordingly contains the words Recurring Payment Order Template Figure 34 Status Entered by Test ING Online user 01 Jul 2009 09 45 21 No 365 Sign 1 Test ING Online user 1 Jul 2009 09 47 35 Status Sign 2 Another Test ING Online user 1 Jul 2009 10 12 31 Registered in the bank Sent by Another Test ING Online user 01 Jul 2009 10 14 02 Recurring Payment Order Template Generated payments as a result from a recurring payment order template are signed and sent with the same signatures as the RPO template Thus it affects the daily limits of all signatories of the order as well as the corresponding customer and account limits as a normal payment order If due to some reason a payment is not generated in accordance with a RPO template the application generates an error report and notifies all users involved through the News menu item of ING Online A payment order may not be created due to the following reasons Insufficient limits User limits are restored at 00 00h The recurring payment orders are usually collected at the same time Ifa user has signed a transaction or transactions the previous day that have not
27. 8 2 decimal decimal point Facility Q LOCAL_ALPHABETa zA Z0 9 1 15 Recurring payment orders ING Online offers the opportunity to create recurring payment orders RPO Recurring payment orders are regularly scheduled payments with fixed amounts and fixed beneficiaries Orders can be set for a period of 2 years and can be executed on a yearly half yearly quarterly monthly or weekly basis The recurring payment order feature of ING Online is available for domestic payments direct debit orders and international payments The feature is a part of the existing single payment functionality and is available to users who have enough rights to initiate single payments The process of creation of a recurring payment order is quite simple The basic idea is to create a payment template according to which the application generates a payment that is going to be executed at regular intervals The process follows five steps e Step 1 As recurring payment order templates can be created for domestic payments direct debit orders and international payments the interactive forms for these payments provide the option to create a recurring order template Figure 29 Recurring Payment order CO Create a template Recurring Payment order RPO e Step 2 In these forms users have to place a tick in the check box After that the field expands and allows users to enter additional data for the recurring payment Figure 30 Recurring Payment order
28. C Completion of transactions 11 D Documentary files Bank to customer files 51 Customer to bank files 48 E Edit and cancel transactions 48 F Files upload 31 Domestic payment orders 32 Domestic payment in CFD file format 32 Domestic payment in Single credit transfer format MT103 34 Request for Direct Debit 33 International payments 35 International Payment in CFA File format 35 International payment in Single credit transfer format MT103 37 Processing of uploaded files 37 Salary payments 38 Filters and search 5 inancing Guarantees 10 Letters of credit 10 Loans 9 T I ING Online 4 M Movements 7 News 5 P Packages Actions with Packages 41 Creation of packages Manual creation of packages 40 Packages from uploaded files 40 Locked packages 39 Unlocked packages 39 R Rates 5 Recurring payment orders 28 View RPO Shedule 29 S Security 55 Sending of transactions 47 Set and remove default values 15 Signing of transactions 46 Statements 8 T Templates 14 Track changes 12 Transaction management Transactions by beneficiary 43 Transactions by group 46 Transactions by user 45 Transactions 10 Deposit request 26 Direct debit 19 Domestic payment 17 Draw down request 27 Foreign exchange 25 International payment 22 International payment in CZK 21 U User limits 54 V Validation of fields 11 ING Online User Manual Czech Republic May 2013 57
29. E Similarly transaction records may be filtered through the filters box Documentary files The function Documentary Files gives the possibility of file exchange between the Bank and the Customers These files usually deliver additional information about transactions in case of customer to bank files The function Bank to Customer files enables the Bank to publish general information for all customers as well as targeted information on a customer level Customer to bank files As mentioned above ING clients can upload files with information to the Bank in order to fulfil certain legal or business requirements related to transactions After upload the file can be signed with one or two signatures and then sent to the bank according to the signature policy defined by each customer The policy for digital signing of uploaded files is set up as agreed with the Customer to send the files with no signature or to have one or two signatures for C2B files Each user can be granted rights to upload sign and send C2B files through the administrative site of ING Online in accordance with the policy specified for the customer Any uploaded file cannot be larger than 3 Mb Users are permitted to upload unlimited number of files as long as uploaded files combined size does not exceed 20 Mb daily per customer Upon request to the Bank the daily upload limit for C2B files can be extended on a customer basis ING Online guarantees the secure del
30. ING Online User Manual Czech Republic May 2013 23 Amount Amount The amount of the transfer expressed in the foreign currency must be specified The amount must be filled in without any delimiters for the thousands The delimiters and are interpreted as delimiters between the integer part and the fractional part Currency The currency for the transaction has to be selected Beneficiary Name the name of the recipient of the transfer must be filled in Street the address of the beneficiary of the payment City the city of the beneficiary Country the country of the beneficiary has to be chosen from the drop down list or users may enter the country code manually Beneficiary Bank SWIFT the SWIFT code of the bank of the beneficiary Name the beneficiary name has to be filled in this field Street the address of the beneficiary of the payment City the city of the beneficiary Country the country of the beneficiary bank has to be chosen from the drop down list or users may enter the country code manually Account Number the account number of the beneficiary with his bank is mandatory to be filled in Note the check box if the account number is a valid IBAN Payment Title Users may select the payment title from the drop down list or enter the code of payment manually Details of Payment Details of payment users may fill in detailed information for the specific payment The length of the field
31. If an uploaded file is linked to a payment the reference number of that payment is active A click on the reference number directs the user to the transaction screen where all applicable actions with transactions can be executed Users may also change delete or add the file to a group Once in status Sent C2B files cannot be cancelled by the user ING Online User Manual Czech Republic May 2013 51 Bank to customer files The function Bank to Customer provides for the upload of files from the Bank to the Customer In this section users find information announcements news etc directed to their customer While the section News contains more general items Bank to Customer is used mainly for private messages from the Bank to the Customer The information provided may be sorted by file types dates periods and download status of files The lower part of the table contains detailed information about the file sent from the Bank name of the message name of the file the name of the customer to whom the file is addressed as well as indication if the file is private or public There is also an indication if the file has already been downloaded or not so that users can easily differentiate downloaded from downloadable items This applies to private files only as for public files it is quite irrelevant Bank to Customer files have an expiration period after which expired messages are not shown It has to be noted that the report with Bank
32. TAIL 2 Supplementary information 2 ING Online User Manual Czech Republic May 2013 32 DETAIL 3 EXPP 1 000000001 100 3 000000000 000 Note Ordering Intiating party information contained in tag DI shall be stored in the transaction as it is and shall not be overwritten by the ordering party information existing for that customer in ING Online Request for Direct Debit The CFD file format is used for upload of files with requests for direct debit The structure of the CFD file is the same as the one for domestic payment with some exceptions The differences are explained below Figure 38 HD 32 030217 3500 2 0100 KC 800 000000 CZK UD 1010101010 DI WERF details 2 details 3 details 4 UK 0000000123 UCET PRIKAZCE AK 2525252525 KI PRIKAZCE ULICE PRIKAZCE PRAHA 5 details 4 EC 0058 ZD 9789879787 ZK 6548468678 AV DETAIL 1 DETAIL 2 DETAIL 3 DETAIL 4 1 000000000 000 3 000000001 800 ING Online users may upload files in CFD format that contain both requests for direct debit and domestic payment orders In this case the trailer block of the file has to contain information both in the S1 and the S3 lines ING Online User Manual Czech Republic May 2013 Note Beneficiary Initiating party information contained in tag KI shall be stored in the transaction as it is and shall not be overwritten by the beneficiary party information existing for that customer in ING Online Domestic paymen
33. The payment currency is a valid national currency of an EU Member State or an EEA Member State that has adopted the Payment Services Directive notably Norway Iceland and Liechtenstein and l he target country of the payment is a EU or EEA Member State only Norway Iceland and Liechtenstein to this moment including the following EU territories Aland Islands Gibraltar Guadeloupe Martinique Reunion and French Guyana If both requirements are fulfilled the payment transactions fall in the scope of the Payment Services Directive and will be executed with shared charges Permissible symbols and length of fields Fields Permissible symbols Length of fields Amount 0 9 and the special symbols and Comma or dotacceptedas 18 2 decimal decimal point Beneficiary Account No 2 0 A Z 0 9 1 34 Date Current date minus 365 days or plus 90 days ING Online User Manual Czech Republic May 2013 24 Fields Permissible symbols Length of fields Beneficiary Names and Q a z A Z 0 9 35 addresses Name of initiating party Q LOCAL_ALPHABETa zA Z0 9 35 Account number of instructing Q LOCAL_ALPHABETa zA Z0 9 35 party Address of instructing party Q LOCAL_ALPHABETa zA Z0 9 35 Additional information for Q LOCAL_ALPHABETa zA Z0 9 35 instructing party Details of payment 1 2 and Q a z A Z 0 9 35 37 row Details of payment 4
34. Variable Specific Additional information Additional information Additional information Sender to receiver information be overwritten by the beneficiary party information existing for that customer in ING Online ING Online User Manual Czech Republic May 2013 34 International payments International Payment in CFA File format Files with international payments are uploaded in CFA file format The payments may be initiated both in local currency CZK and other currencies The CFA file format has the following structure The file header Figure 40 201 Reference 02 8882 40 Total amount of orders 03 1 Total count of orders 04 INGBCZPP Paying Bank BIC 05 PRIMAPLYN SPOL S R O Ordering party name and address 4 rows at most BAAROVA 2 140 00 PRAHA 07 02111501 CFA Name of the CFA file The payment order header The header of the payment order has the following structure 1 FOLxxxxxxxxxxxbbbbtttttt 2 1100xxxxxxxxxxxyl 4 where 1 FO1 Constant Basic Header Block XXXXXXXXXXX Ordering party bank ID SWIFT DIGITS address bbbb File number generated by the program from 0 to 999 tttttt Transaction number increasing from 0 999999 2 1100 Constant Application Header Block XXXXXXXXXXX Beneficiary bank ID Swift digits address y Payment type code N 00 Standard transfer U 10 Telex payment or SWIFT DIGITS express A 20 Check announcements in free format B 21l Check registered announcements C 22 Check ann
35. able for Locked Packages only The function is successful if all transaction in the package can be signed by the acting user If the package contain transactions for which the user has no rights to sign or the total sum of payments inside the package exceeds the user s limits then the package can either be signed by other users with sufficient rights and limits or the package should be unlocked and transactions signed individually through Sign in Transaction Management When successfully signed with first signature all transactions and the package get the status Signed with first Signature Even if one transaction in the package needs to have second signature then the whole package needs to be signed with second signature before being sent to the Bank The function Send is based on the same principle as the function Sign either send all transactions in the package or none Note Transactions contained in unlocked packages can be only signed and sent through Transactions Management gt Sign and Send Package Unlock Cancel This menu item allows for unlocking a package or cancelling a package Cancelling the package automatically cancels all transactions contained therein If a transaction from a package needs to be modified prior to sending to the Bank then it is automatically cancelled and remains in the package with a status Cancelled while the new transaction derived from the modification gets status
36. account in favour of the person that initiated the request Figure 23 ING DIRECT DEBIT Date Value date Initiating Party Account number Name Account number Address Amount Amount Currency Payer Name Street City Payer Bank Account No Bank Code L__ T B Symbols Constant Variable Specific El Payment Details Here is a brief explanation of the fields Date Value date The date for execution of the transfer must be filled in Requests for direct debit with future value are accepted only if the due date does not exceed the last business day of the following month ING Online User Manual Czech Republic May 2013 19 Initiating Party The initiating party of a direct debit transaction is the beneficiary of the transaction This can be a regular ING customer and in this case ING Online enters automatically its details name address and city on the basis of the chosen account When the transaction is initiated by a customer on behalf of customer different from the ordering customer ING Online users are able to edit the name and address entered by the application and fill in the account number of the initiating customer Amount Amount The amount of the transfer expressed in CZK must be specified The amount must be filled in without any delimiters for the thousands The delimiters and are interpreted as delimiters between the integer par
37. ack2 txt 636 18 Feb 2009 Zednicek No O 5962 CFD beet Customer Path C packs bene_pack2 txt 11 23 34 Antonin Create templates with following ordering account Please select account Templates are saved under the name as specified in MultiCash and are available in the corresponding payment modules for domestic and international payments The path to the saved templates is the following e Domestic payments Transactions Domestic payment Templates in the upper right corner and International payments Transactions International payment Templates in the upper right corner ING Online users may always download the imported files for further reference should they click on the file name in the Create templates screen The saved templates may be used edited or viewed as described in the Templates section of this document ING Online User Manual Czech Republic May 2013 54 Personal settings ING Online application can be personalized in different ways Customer and Account alliases Under this menu item ING Online users find information for all customers and accounts linked to the user Here users are given the opportunity to set their own alias for each one of the customers they work with as well as set aliases for their accounts Customer and accounts aliases personalization is on user level each user will have a different name for his her customers and accounts Figure 68 Customer Name 1
38. ange rates of the national bank are applied when reporting in different currencies Account information After a successful logon with a click on account information in the left menu of the application users may choose among four different ways to obtain information for their accounts ING Online keeps information for all accounts that are registered with ING customers Registration of accounts is done manually in the back office systems and once registered accounts are activated for use with ING Online through the Administrative site of ING Online Accounts can be represented in two formats LOCAL and IBAN according to the way they were registered in the back office system All reports in Account Management with an exception for Statements being limited for 30 days period are limited to six months period Filters and search ING Online offers eloquent filter and search capabilities for all reports generated by the application The filter box above the reports is expandable in most cases and presents even more search and filter criteria ING clients may use to find a specific record follow transactions from one business partner view the movements in an account for the previous month and more Ifa user expands the filters field in a report then all reports shall have their filters field expanded Should the user collapse the filters field then all reports shall have their filters fields collapsed Figure 2 Filters Be From To Ac
39. ank RE Fund Transfer Payment Received in the bank D Loan or Deposits FX Foreign Exchange ING Online User Manual Czech Republic May 2013 7 AC Accounting AN Other CM Capital Market e Customer reference account owner reference In case no reference is entered the value is NONREF e Operation Type Transaction Type code NTRF Fund Transfer DP Loan or Deposit FEX Foreign Exchange MSC Accounting SEC Capital Market IMSC Miscellaneous Zee Zz Z Statements In this section ING clients have the opportunity to obtain account statements sent by ING Bank Users may preview the statements on the screen or print them in HTML format Generated statements cover account activity on a daily basis Statements include the opening and closing daily balances debit and credit turnovers and a detailed description of account movements post date value date transaction details debit and credit details and references ING Online users may generate account statements for any period not longer than 30 days Account statements can be downloaded as a MT940 SWIFT format file Portable Document Format PDF file or in MT942 file format Generation of statements in PDF format takes longer than generation of statements in HTML format The process is asynchronous and the user may explore other functions of the application meanwhile and return back
40. ate of the payments The field amount is used to enter an amount range in the reporting currency Users have the option to summarize the information for movements according to chosen filter criteria as well as to export it into a downloadable MS Excel file The following table shows an example of a movement report Figure 5 Account Booking date Value date Amount Beneficiary Details Net amount Reference XXXXXX1 USD 20 May 2008 Oi Jun 2008 10 300 00 CR XXXXXXXXXXXXXXXX 10 300 00 S XXXXXXXXXX XXXXXX2 CZK 19 May 2008 O1 Jun 2008 30 000 00 DR XXXXXXXXXXXXXXXX 30 000 00 S XXXXXXXXXX The downloaded MS Excel file contains the same column headings as shown on the screen with exception for columns Beneficiary Details Net Amount and Reference e Beneficiary Details is divided into e Counter Party 1 details about the name and account number of the counter party e Counter Party 2 details about the address and city of the counter party e Details details about the payment including justification invoices No etc e Net Amount is split into e Charges the bank charges for the transaction e Net Amount the amount of money involved e Net Amount Currency the currency of the transaction e Reference e Reference reference from the accounting system of the bank It includes the transaction ID The transaction ID starts with Transaction type codes as follows PA Fund Transfer Payment initiated by the B
41. c symbol except for the fields for Beneficiary account pre fix Variable symbol Constant symbol All fields are mandatory to be filled in Specific symbol and Details wh sta CSV Beneficiary No 237 Status New GENERATE gt Salary_june txt 11111 58 Salary_june txt Test Customer Ltd VIEW TRANSACTIONS gt file format is as follows Bank Code Beneficiary Account pre fix Details ich are opti onal Fields are separated with the semi colon character rts on a new row separated with lt CR gt lt LF gt sequence The following is an example of a file with salary payments for two employees Ja Pe Salary payments in CFI payments in CFD file format ING Online User Manual Czech Republic May 2013 38 Upon clicking on Generate ING Online users are brought to a domestic payment order screen where they can complete a cover transaction for the total sum of salary payments This option is available in case the customer is using a transit account for salary payments that is usually empty and is being credited only for the purposes of salary payments Some of the requisites of cally filled in total amount ordering and beneficiary party details Upon successful capture of he payment order the salary file upload is complete Beneficiary Account Variable Every salary record kub Skovajsa 1000 00 7990 19 1011003906 2058 9 14 January salary tr Zajic 2000
42. certificate download enter transactions 20 5185 20 9959 n a gt Financing sign transactions 46 9624 48 0551 n a send transactions More rates The Bank will only process transactions that have been sent with all gt Payment Files required signatures gt Packages ING Online News ING Online Files gt Transactions Transaction 12 Mar 2011 ACTION REQUIRED The Payment Order is not produced from Recurring Payment Order No 159 a PRIVATE No Files available Management 11 Mar 2011 ACTION REQUIRED Cannot create a Payment Order from Recurring Payment Order No 159 PRIVATE 10 Mar 2011 ACTION REQUIRED The Payment Order is not produced from Recurring Payment Order No 136 s PRIVATE 10 Mar 2011 ACTION REQUIRED The Payment Order is not produced from Recurring Payment Order No 159 s PRIVATE More files gt Documentary Files gt Recurring Payment More news Orders gt Beneficiary Files gt User Limits gt Personal Settings gt Security gt Log out ING Online is a fast and flexible banking service which allows ING customers to securely execute bank transactions via Internet Alongside it offers great functionality in respect of obtaining accurate up to date and comprehensive information for customer s accounts balances and movements for any period of time ING Online is easy to integrate with customer s systems through import of files with account statements and exporting payment orders from accounting progra
43. code in which their reports are displayed Another setting that can be altered is the option for displaying default values in payments Personal settings are saved through the button EAVES ING Online User Manual Czech Republic May 2013 55 Security Under this element of the menu ING Online users receive information about important security issues and advice on the best ways to securely instruct transactions Here users may change their passwords and secret questions and answers view information about the digital certificates and get help Important information ING Online users are presented with security information and safety measures when using the application Change password Minimum length of the passwords is set to 8 The users are blocked after more than 3 consecutive unsuccessful logons Password validity checks implemented in ING Online client site are the following e Password length must be at least 8 symbols e Symbols accepted are all from Latin alphabet digits from 0 to 9 and special symbols amp 1 lt gt _ e Maximum length of password is 50 symbols The password should contain at least one digit one character and one punctuation symbol The system will force a password change in a 60 days period and the new password must differ from the previous password by at least 3 characters The passwords are checked for triviality they cannot be simple aaaabbbb 01234567 password or computer
44. count Book Date gt Book Date Type zl Amount O Value Date Currency x Reference Beneficiary Details The interface of the filters area shown above offers predefined filter criteria in drop down lists and blank search fields in case users choose to enter their own search criteria Depending on the type of the report filters may vary accordingly The Show button presents a screen report that accommodates entered search and filter criteria the Summary button summarizes filtered results in an easy to comprehend report while the Export button creates a MS Excel file containing a report that matches the search and filter criteria The exported file may be opened or saved locally ING Online remembers the last used configuration of the filter box if it has been minimized or maximized and applies this user decision to all filter boxes in the application ING Online filtering capabilities can also enhance the work of users with access to accounts of more than one customer Multiple account selection and multiple customer selection has been greatly improved Users can use many combinations to select all accounts of a customer along with all or some accounts of another customer For ING Online User Manual Czech Republic May 2013 5 example a user with access to three customers may select e all accounts of Customer A e all accounts of Customer A and all accounts of Customer B e all accounts of Customer A some ac
45. counts of Customer B and some accounts of Customer C etc Figure 3 Filters E From To Account Selected 5 Y Book Date 13 Jul 2012 13 Aug 2012 All Customer A CZ02INGB91451000062920 SHOW gt EXPORT gt CZ03INGB91451000062918 awa cumma CZ11INGB91451000063562 Customer B CZ07INGB91451111167845 CZ02INGB91451408902920 CZ02INGB91451234420657 CZ02INGB91451005521345 In the example above a user has selected one account of Customer A and all accounts of Customer B As shown in this example ING Online users can effectively select more than one account belonging to more than one customer by using SHIFT click or CTRL click When users click on the customer s name then all accounts registered with that customer shall be selected The reports generated using multiple account selection shall retain their filter options so that users may enter different filter or search criteria e g time period status amount etc and still use the accounts they have selected previously For the sake of clearness and avoiding mistakes a notification about the number of accounts selected is shown in the account selection box e g Selected 5 This multiple accounts and customers filters opportunities are implemented in the following reports Account Information e Balances e Movements Transaction Management Transactions by Beneficiary Transactions by User Sign e Send Edit Cancel Ba
46. d from the drop down list Variable Variable symbol Specific Specific symbol Payment Details ING Online users may enter free text in order to provide additional information about the payment Permissible symbols and length of fields Fields Permissible symbols Length of fields Amount 0 9 and the special symbols and Comma or dotacceptedas 18 2 decimal decimal point Account No A Z 0 9 6 10 Name of initiating party Q LOCAL_ALPHABETa zA Z0 9 1 35 Account number of instructing Q LOCAL_ALPHABETa zA Z0 9 1 35 party Address of instructing party Q LOCAL_ALPHABETa zA Z0 9 1 35 ING Online User Manual Czech Republic May 2013 18 Fields Permissible symbols Length of fields Additional information for Q LOCAL_ALPHABETa zA Z0 9 1 35 instructing party Date Current date minus 365 days or plus 90 days Beneficiary Name Street and 0 LOCAL_ALPHABETa zA Z0 9 1 35 City each line Bank Code A Z0 9 4 11 Variable 0 9 l 10 Specific 0 9 l 10 Prefix 0 9 1 6 Details of payment Q LOCAL_ALPHABET a z A Z 0 9 1 35 Constant 0 9 1 4 Direct debit The Direct Debit request is drawn up by the bank s client who is the beneficiary of the transfer It is a request to debit the payer s account In this case the drawer under the transfer order is the recipient of the transfer The payer must have given his her prior consent to his bank to immediately debit his her
47. d with first signature Signed with second signature Sent Registered in the Bank and Cancelled ING Online User Manual Czech Republic May 2013 43 e Beneficiary Here users may enter any information identifying a certain beneficiary E g part of Beneficiary s Name Account number or Bank code to display transactions matching these criteria e Date Dates and periods may be chosen to filter transactions In addition users have the option to constrain periods and dates to Book date Value date or Sent date with the help of the respective check boxes E g Users can create a report by Sent date to list all transactions satisfying selection criteria sent to the bank on a given date or through a certain period Amount Transaction can be filtered by the amount of transfers as well The amount field is divided into two fields with the first field being the field where users enter the Amount from figure and the second being the Amount to field e Reference Users may filter transactions by their reference number assigned This filter field accepts only digits with no spaces and the whole reference number has to be entered e Details Transaction records can be filtered by the information contained in their details part as captured or uploaded The check box with details turns on and off details information for every transaction record in the table e Package Users may filter transacti
48. e have to be chosen and confirmed with the button Al Figure 48 Packages Add Remove Trx x Please select customer v Please select customer e Step 4 Adding transactions to the newly created package This can be achieved by placing a tick in the check boxes in the Package column of the table with transactions The table with records for transactions displays only transactions belonging to the selected customer if user is linked to more than one customer and matching the criteria already selected by the user account type of transactions currency date etc When the tick is placed then the package name automatically appears in the Package column of the transaction record Multiple transactions can be added to a package should users check the box in the table header row Removing transactions from a package is done the opposite way removing the tick from the check box for a single transaction record or removing all transactions from a package by removing the tick in the header row of the table with transactions Note that the tick in the check box in the header row of the table with transaction records adds to or removes multiple transactions from a package contained in the active screen only Figure 49 Transactions by Beneficiary Print Help Filters From Account Type Amount Currency Reference El El El Status Details zl To Date 21 Apr 2009 z 21 Aug 2009 Book
49. ed as delimiters between the integer part and the fractional Currency The field for currency cannot be changed Its value is CZK as the payment is in CZK Beneficiary Name the beneficiary name has to be filled in this field Street the address of the beneficiary of the payment City the city of the beneficiary Country the country of the beneficiary has to be chosen from the drop down list or users may enter the country code manually Beneficiary Bank SWIFT the SWIFT code of the bank of the beneficiary Name the beneficiary s bank name has to be filled in this field Street the address of the beneficiary s bank Town the city of the beneficiary s bank Account Number the account number of the beneficiary with his bank is mandatory to be filled in Note the check box if the account number is a valid IBAN CZK Correspondent This section is optional to be filled in and contains information about the CZK correspondent to the beneficiary s bank Users have to fill the fields for the bank code of the CZK correspondent and the beneficiary s bank account number held with this correspondent if they choose to use a correspondent The bank code of the correspondent bank may be easily selected from he drop down list or entered manually Payment Title Users may select the payment title from the drop down list or enter the code of payment manually Optional field Details of Payment Details of payment users
50. efault the system uses the current date which is in the format 31 Jan 2010 Payments with future value are accepted only if the due date does not exceed the last business day of the following month The drop down menu offers a smart calendar for easy operation Initiating Party The fieldset Initiating party usually contains information about the ordering party its account name and address By default ING Online automatically fills in these details based on the information existing in its database about the ordering customer However there are cases when the ordering account of the transaction belongs to a payer who is acting on behalf of another customer E g a financial institution making payments on behalf of its clients In these cases it is important that data about the initiating party of the transaction is filled in and sent to the bank When such a case is present then the fields in Initiating party fieldset are used to send data about the initiating customer name account address and city Users still choose the ordering account from the account drop down list but may overwrite the information entered by the application and enter details about the initiating party instead ING Online User Manual Czech Republic May 2013 21 Amount Amount The amount of the transfer expressed in CZK must be specified The amount must be filled in without any delimiters for the thousands The delimiters and are both interpret
51. ers to export beneficiary data from MultiCash that can be easily uploaded in ING Online application The file exported from MultiCash is a text file containing the following data for beneficiaries e Domestic payments beneficiary name account number local bank code prefix address and city e International payments beneficiary name address city country account number as well as beneficiary bank SWIFT code bank name bank country bank address and city These text files are ready to be imported into ING Online Users need to browse for the exported file from MultiCash and click on the button Figure 66 File Upload Please select type of the file TEST CUSTOMER Please select type of the file Domestic Payment Please select file After the upload the imported file has to be processed so that the beneficiary data contained therein be extracted and saved as a template A separate template is created for every beneficiary regardless of the number of beneficiaries in the uploaded file Users have to check the circle next to an unprocessed imported file and link the templates with an ordering account Finally users have to click to save the templates or to discard the uploaded files Figure 67 Format Customer Name File name Size Uploading date Uploaded Processed bytes by Name F20063 bene_packi txt 636 18 Feb 2009 Zednicek Yes peas ee test customer Path C packs bene_pack1 txt 11 10 54 Antonin Name F12089 bene_p
52. ess near the current date Figure 9 Guarantees Filters From To Customer x Date 16 Feb 2011 zl 16 Feb 2011 x Deal date Currency z Amount Maturity date Type All Contract No SUMMARY gt EXPORT gt FINE TOOLS LD00162341 23 Mar 2011 29 150 000 00 EUR Guarantee issued 27 Dec 2006 27 Dec 2011 Letters of credit Under Letters of Credit customers receive information about issued and confirmed letters of credit with their accounts with ING Bank The details for each letter of credit include contracts date of issuance type amount currency and period of validity Similarly with guarantees the end date appears red when the letter of credit matures in 7 days or less from the current date Figure 10 Letters of Credit Filters From To Customer Il Date 16 Feb 2011 zl 16 Feb 2011 zl Deal date Currency Il z Amount Maturity date Type All xl Contract No FINE TOOLS LD00211730 23 Mar 2011 12 950 915 00 USD Letter of Credit issued 27 Oct 2009 15 Dec 2012 ING Online User Manual Czech Republic May 2013 10 Transactions ING Online offers various ways to enter transactions for all types of transactions such as domestic and international single payments direct debits etc for accounts held with ING Bank e Manual capturing e Using the template database e Via file upload Transactions can be initiated in both local and foreign currencies When using ING Online for single or bulk pay
53. etc Password history is kept for one year The new password should have not been used within the last 12 months ING Online users shall receive a notification message if their password expires in less than 6 days The message contains a link which leads to the password change screen Digital certificate The Digital Certificate function gives the possibility to review information about the digital certificate issued on behalf of the user its starting and expiration dates as well as issuer of the certificate Secret questions and answers The Secret Questions and Answers function is used to set secret questions and answers to be used in case the user has forgotten his her password The rules for questions and answers validations are as follows e For each user all questions must differ from one another e All answers must differ as well it is not possible to input 3 equal answers The length of the question should be at least 8 characters long The length of the answer is 6 characters minimum e Maximum length of questions and answers is 50 characters e Valid symbols in field with question or answer are all Latin and local alphabet digits from 0 to 9 and special symbols er BS and There should be different letters in the answers aaaaaa is not valid ING Online User Manual Czech Republic May 2013 56 Index A Account information 5 B Balances 6 Balances by group 7 Beneficiary files 54
54. execution of the recurring payments resulting from the current RPO template hese dates are replaced automatically with the current system dates Variable Description Value on Execution date DD Date Equal to the execution Date MM Month Equal to the execution Month YY or YYYY Year Equal to the execution Year Date related variables have to be placed in parenthesis within the field of Details of Payment E g MM DD YYYY A plus or a minus sign or anumber can be added to any of the date related variables to affect the actual value generated on creation time Here are some examples to visualize the use of date variables Detail in RPO Template RPO created on 20 May 2010 Rent for the office for MM YYYY Rent for office for 05 2010 Rent for the office for MM 1 YYYY Rent for office for 04 2010 Rent for office for period from Rent for office for period from DD MM YYYY to DD 1 MM 1 YYYY 20 05 2010 to 19 06 2010 Rent for the office for YYYY 1 Rent for office for 2011 Recurring payment order templates can be reviewed in the recurring payment orders report This report is accessible through the left menu of the application under Recurring payment orders Review Another way to access the report is through the quick link View RPO Schedule in the Actions box under the recurring payment order template The Recurring payment orders report displays all recurring payment order templates the user has rights t
55. f the uploaded file and a SHA checksum value for file identity purposes The SHA checksum value can be copied to clipboard and pasted in a file for further usage if needed Users have to click SHA checksum and a separate window will open with the option to copy the checksum value Uploaded by gives information about the User who has uploaded the file the date and exact time of upload The column Process contains a box that has to be checked for the successful processing of the file Should users place a mark in the check box the columns Alias and Package become active In the Alias column users may assign an alias for the uploaded file for easy identification and search of the uploaded file All transactions uploaded as a file are considered as a package of transactions The user can choose to keep the transactions as a Package for further processing or to treat them as individual transactions The check box in the column Package has to be checked in order transactions to remain a package and vice versa See Packages for more information Finally users click on to finish processing the file The transactions from the uploaded file may be signed and send or modified under Transaction management in the left side menu Packages Users of ING Online have the opportunity to group transactions and form packages of transactions that can be kept together for further processing The application automatically creates t
56. for details for the beneficiary and the ordering party are expandable A brief explanation of all fields in the domestic payment order is given below Date Express payment This check box indicates whether the payment is going to be an express payment or not Value date The user indicates the value date of the payment By default the date shown is the current date Payments with future value are accepted only if the due date does not exceed the last business day of the following month The drop down menu offers a smart calendar for easy operation Initiating Party The fieldset Initiating party usually contains information about the ordering party its account name and address By default ING Online automatically fills in these details based on the information existing in its database about the ordering customer However there are cases when the ordering account of the transaction belongs to a payer who is acting on behalf of another customer E g a financial institution making payments on behalf of its clients In these cases it is important that data about the initiating party of the transaction is filled in and sent to the bank When such a case is present then the fields in Initiating party fieldset are used to send data about the initiating customer name account address and city Users still choose the ordering account from the account drop down list but may overwrite the information entered by the application and enter deta
57. from The application automatically sorts all available accounts and displays only accounts with domestic currency denomination as salary payments are domestic payments Step 3 Browse for the salary payment file on the client s computer and upload it Step 4 Process the uploaded file The processing of salary payments differs from normal processing of uploaded files in some key aspects Uploaded files can only be processed as a locked package See Processing of uploaded files for details Users have the option to generate a cover transaction for all salary payments included in the file and select another account of the customer or even an account of another customer to instruct the whole payment from In case users choose not to generate a cover payment the account that will be debited is the account that the user has selected in Step 2 Salary payments form a package and can be signed and sent in bulk from Packages Sign and Send When users want to review sign or send the salary package of transactions they can see the following screen Figure 43 Status Created by Test ING Online user 21 Jul 2009 09 24 53 Sign 1 Sign 1 Salary Payment Specifics Cover Payment Package Info Pack Name Count Control amount Source Customer Name REFRESH gt he payment order are automati The structure of the salary payment file in Beneficiary Customer Name Amount symbol Constant symbol Specifi
58. g up a download box An uploaded file can be cancelled any time prior to sending it to the Bank only by the user who has uploaded it ING Online User Manual Czech Republic May 2013 50 The ID of the uploaded file is a link to detailed information about the uploaded file Figure 63 File Info Action Id Path Status Group Uploaded by Uploaded on Sign 1 by Signed with first signature on Sign 2 by Signed with second signature on Sent by Sent on Expires on Customer Name Document type RefNo Cust Comment Bank Comment Actions VIEW 368 C SPM pdf Accepted 1 Inv x Test user 1 08 Mar 2009 10 41 49 Test user 1 08 Mar 2009 10 42 12 Test user 2 08 Mar 2009 10 46 40 Test user 2 08 Mar 2009 10 46 59 10 Mar 2009 Test Company Invoices 865 Invoice 345 768 OK View Upload new C2B Upload new C2B to Payment The buttons View and Upload new C2B are always active even if the file is already accepted or rejected by the Bank If the file is linked to a transaction then the button Upload new C2B to Payment is also active This gives the opportunity to easily upload a new file linked to the same payment The functionality of the View screen is relative to the status of the uploaded file Users may sign send cancel or upload new files linked to the respective payment Additionally all information about an uploaded file is given in a detailed view
59. h group of files shall have an unique number automatically assigned by the system When uploading multiple files at once hey cannot be set to different groups each They shall share the same group if grouping is applied Later they can be removed ING Online User Manual Czech Republic May 2013 49 from group assigned to a different or a new group The uploaded file can be found signed optionally and sent under the submenu Customer to Bank Once sent C2B files cannot be cancelled Figure 62 Customer to Bank Print Filters Document type ql Date z O with expired Status z Ref No Customer Name File Info Group Test user 1 21 Invoices 32421 1 Inv x Name inv 234 jpg 234 Kb SHA checksum 15 May 2012 13 29 48 O New E Test user 1 Signed with First 20 Invoices 2 Files x Name report _12 xls 1 Mb SHA checksum 11 May 2012 10 12 13 Test user 2 O O Signature Test user 3 Test user 1 Test user 2 Test user 1 19 Other v Name letterdoc 131 kb SHA checksum 21 Apr 2012 09 15 54 23 Apr 2012 10 34 23 23 Apr 2012 10 35 12 23 Apr 2012 10 36 02 cepted The Customer to Bank screen show a table with all uploaded files with the last uploaded file at the top of the table By default the screen shows files that are not expired Expiration dates are set individually for each type of document by the Bank In case users want to see the expired files as well they have to place a tick in the box with expired in the fil
60. iciary One Address City gt Beneficiary is gt xl Upon clicking on Set all data contained in the field shall be stored and all new payments will have this field filled with the remembered value when starting to capture a new domestic payment A click on Remove clears the set value and the field appears blank when capturing a new payment There are some exceptions in using the default values the fields that are calculated or taken from the database are finally replaced with the calculated value or the value taken from the database Examples for this are the amounts in the foreign exchange form which are calculated on the basis of the current exchange rate or the Tax ID of the ordering customer which is taken from the database Domestic payment Manual capturing of domestic payments in the Czech Republic follows the form below Figure 22 ING amp DOMESTIC PAYMENT Date FF Express payment Value date Initiating Party Account number Name Account number Address Amount Currency Beneficiary Name Street City Beneficiary Bank Account No Bank Code L__ T B Symbols Constant Variable Specific l Payment Details The fields highlighted in red are fields which are required In case these fields are not filled the application generates an error ING Online User Manual Czech Republic May 2013 17 report and advises the user to fill them The boxes
61. ign 1 Status Sign 2 Cancelled Cancelled by Another Test ING Online User 04 Jul 2009 13 21 53 _ Status Entered by Another Test ING Online User 04 Jul 2009 13 21 53 No 100747 Sign 1 Status Sign 2 New ING Ab Due Date DOMESTIC PAYMENT Due Date 08 Jul 2009 Due Date EXPRESS PAYMENT Due Date 05 Jul 2009 The old transaction is cancelled automatically and the modified transaction gains New status Changes made are indicated on field set level The green boxes indicated by an arrow represent modified field sets ING Online User Manual Czech Republic May 2013 13 Cancelled transactions through the Edit function contain a link to the new payment record as shown below Figure 15 Transactions by Beneficiary Print Help Filters From To Account Date 16 Feb 2011 16 Feb 2011 Book Date Type Amount O Value Date Currency Reference O Sent Date Status Details im with details Beneficiary Packages Show zl COLUMNS 16 Feb 2011 16 Feb 2011 407639 Domestic Payment 1330390970 10 000 00 CZK 0800 99505 5955017 Test Beneficiary 4 Details VAR 1238492383 Details 1 Details 2 16 Feb 2011 21 Feb 2011 407638 Foreign Exchange New 1000332075 12 345 54 CZK 1040390919 Test Beneficiary 2 Details DETAILS 1 DETAILS 2 16 Feb 2011 16 Feb 2011 407637 bee 1050390921 345 00 EUR SOCBPFTX FR7617469000008500567 Test Beneficiary 3 Details Invoice number 450284584 16 Feb 2011 16 Feb 2011 Domestic Paymen
62. ils about the initiating party instead Amount Amount the amount of the transfer expressed in CZK must be specified The amount must be filled in without any delimiters for the thousands The delimiters and are both interpreted as delimiters between the integer part and the fractional part Currency the field for currency cannot be changed Its value is CZK as the payment is domestic Beneficiary Name the beneficiary name has to be filled in this field Street the field is used to enter the address of the beneficiary City the city of the beneficiary Beneficiary Bank Prefix Beneficiary bank prefix Account No the account number of the beneficiary must be filled in Bank code Users may enter the bank code manually or choose it from the drop down list Name the name of the beneficiary bank is automatically filled in by the system on the basis of the entered bank code Symbols Constant the constant symbol is an optional appendage to a payment order It denotes the purpose of the payment and is used in the system of payment in the Czech Republic implemented between accounts in CZK The obligation to denote the constant symbol applies to debit or payments to the credit of the state budget Clients have the constant symbol prescribed by the applicable office or institution such as tax administration recipient of payment The constant symbol indicates the nature of the payment Could be entered or selecte
63. is going to be credited when the deposit ends This field may not be changed and by default it contains the account that is used for the deposit Permissible symbols and length of fields Fields Permissible symbols Length of fields Amount 0 9 and the special symbols and Comma or dotacceptedas 18 2 decimal decimal point Draw down request This transaction type is used for requesting a drawdown from a previously agreed loan facility with the Bank The following form is used Figure 28 ING DRAW DOWN REQUEST Date Date 01 Apr 2009 Facility Facility Dated x between and ING Bank N V Prague Branch Advance Amount Currency x Disbursement Date x Repayment Date Lo H The Interest rate As stipulated in the Facility Agreen gt Please credit account Account Number Name Date The date of registration of the document in the system is filled in automatically Facility Facility the number of the loan facility has to be filled in Dated the date the loan was contracted must be filled in as well When entering the date users have to observe the following formats 01 Jan 2000 01 01 2000 01 01 2000 01012000 The two parties to the loan contract are filled in automatically by the system based on the client holding the chosen account that he funds will be utilized through and the Bank Advance Amount the field is filled in with the amount of money the client
64. ivery of the uploaded files to ING Bank due to the high security standards within ING Online There are two ways of successful completion of the process of file upload Option 1 Through the Actions menu after a manual capture of a transaction The Actions menu offers a quick button Upload new C2B that directs the user to the initial screen of the submenu item Upload under Documentary files Option 2 Directly through the submenu Upload under Documentary files In both cases the user is led to the following screen ING Online User Manual Czech Republic May 2013 48 Figure 59 Customer to Bank File Upload Select Customer Group Link to payment number Document type File description Please select file max 3Mb Browse Use document type and file description for all uploaded files Here users have to select a customer choose the document type type a brief file description optionally select the file for upload by clicking on Browse and upload it through the Upload button The payment reference number is automatically filled in if users choose Option 1 With Option 2 users have to manually enter the reference number of the transaction they want to link the uploaded file to Should users choose to upload a file not particularly linked to a payment they may not enter a reference number but in this case the uploaded file can no longer be linked to a transaction Anothe
65. lances This function gives information for account balances The default screen shows all accounts for the last available date During working days the default day is the current date and the information shown is the Intraday balances for all accounts The information for the Intraday balances is calculated by ING Online based on the last closed balance and Advices for the executed movements during the day This information is preliminary and advisory information and is marked with A in column of the presented report The balance information for previous working days is based on the Account Statements loaded in ING Online from the Back office systems The Balance information based on the Account statements is marked with S in column The table below illustrates the structure of the balance report generated by the application Figure 4 Account i Intraday XXXXXXXXX1 USD 20 May 2008 999 999 999 00 10 300 00 999 999 999 00 999 999 999 00 999 999 999 00 n gt XXXXXXZZX2 CZK 19 May 2008 999 999 999 00 30 000 00 999 999 999 00 Additionally all users may select specific filtering of data a single account balance or all accounts balances for any period of time or on any given date Example In order to obtain information for the balance of an account for the period 9 12 December 2008 the customer has to select the desired account from the drop down menu then select 9 December 2009 in the first date
66. mation for Q LOCAL_ALPHABETa zA Z0 9 35 instructing party Date Current date minus 365 days or plus 90 days Beneficiary Name Street and Q LOCAL ALPHABETa zA Z0 9 1 35 City each line Bank Code A Z0 9 4 11 Variable 0 9 l 10 Specific 0 9 l 10 Prefix 0 9 1 6 Details of payment Q LOCAL_ALPHABET a z A Z 0 9 1 35 Constant 0 9 1 4 ING Online User Manual Czech Republic May 2013 20 International payment in CZK Figure 24 ING amp CZK PAYMENT ABROAD Date Express payment Value date Initiating Party Account number Name Account number Address Amount Currency Beneficiary Name Street City Country Beneficiary Bank SWIFT Name Address Town Country Account No IBAN D CZK Correspondent of Beneficiary s Bank Prefix Account Bank Code Payment Title Payment Details The interactive form for international transactions in CZK offers a possibility to instruct payments abroad in local currency This payment instruction is a specific type and the application validates a number of fields required for the successful saving of the payment order The required fields are highlighted in red A description of the fields is given below Date Express payment this check box indicates whether the payment is going to be an express payment or not Date the user indicates the value date of the payment By d
67. may enter free text in order to provide additional information about the payment Permissible symbols and length of fields Fields Permissible symbols Length of fields Amount 0 9 and the special symbols and Comma or dot accepted as 8 2 decimal decimal point Beneficiary Account No 2 0 A Z 0 9 34 Name of initiating party Q LOCAL_ALPHABETa zA Z0 9 35 Account number of instructing Q LOCAL_ALPHABETa zA Z0 9 35 party Address of instructing party Q LOCAL_ALPHABETa zA Z0 9 35 Additional information for Q LOCAL_ALPHABETa zA Z0 9 35 instructing party Date Current date minus 365 days or plus 90 days Beneficiary Names addresses a z A Z 0 9 1 35 details of payment SWIFT code A Z 0 9 8 11 Bank code A Z 0 9 4 11 ING Online User Manual Czech Republic May 2013 22 International payment The international payment is a transfer of financial funds based on the order of a client of one bank in favour of a client of another bank The payments are carried out through inter bank accounts NOSTRO and LORO accounts of the banks of the sender the beneficiary and if need be the intermediary banks ING Online offers the following form to execute an international payment Figure 25 INTERNATIONAL PAYMENT L Express payment Value date Initiating Party Account number Name Account number Address Amount Amount Currency Beneficiary
68. ments the system validates the payments for completeness and correctness This ensures higher straight through processing Common features and functionality of transactions among different countries are Validation of fields All information and details for transactions are communicated with ING accounting system in a predefined format Therefore data sent to ING must comply with the set requirements for this format ING Online intuitive and easy to use interactive transaction forms actually transform user input data into this strict system file format The basic idea is that every single record in the transaction form is assigned to its own designated field in the system format and these fields are validated against their presence and correctness Validating rules vary among countries due to national requirements though some common validations apply fields for account name and name of beneficiary are always validated etc These rules are explicitly covered in the Annex to this document Figure 11 In case of noncompliance with the validating rules the application generates an error report in a red box above the transaction form that contains a detailed explanation for the type of errors occurred and highlights the corresponding fields Additionally this report contains a list of the valid The following validation error occurred Invalid characters in field Beneficiary s Name he valid characters are abcdefghijkimnopqrst
69. mer name Users may filter the uploaded files per customer should they select one from the drop down list Group Files can be filtered by groups as well This allows users to view only files assigned to specific group e Date Uploaded files can be sorted by dates of upload e RefNo Files may be filtered by the reference number of the transaction they are linked to e File Info This field allows for filtering the uploaded files by the original name of the uploaded file Users may enter the name of the file or part of it and perform a search All uploaded files are organised in a table with column headings indicating the status of the file its ID the reference number of the payment the file is linked to if linked file name the SHA1 checksum of the file the name of the user that has uploaded the file the names of the users that have signed and sent the file to the bank and comments from the customer or the Bank regarding the file content if any In case of rejection of the file the Bank is obliged to communicate the reason with the customer The check boxes in columns Sign and Send are used to sign and send the files Users may place a check in one or more boxes and click EES or to sign or send checked files All uploaded files for a customer can be downloaded and viewed by any user with the rights to upload sign and send C2B files for that customer The file name is blue and active and a click on it would brin
70. ms EPR TMS Besides payment and reporting services ING Online offers numerous other services such as online exchange rates up to date information on deposits and loans and more Furthermore ING Online is easily personalized Not only can ING customers customize their screen views and reports but change the names of their accounts and assign them to groups they can comfortably work with later Users may also define and ING Online User Manual Czech Republic May 2013 4 save templates for their transactions Another powerful feature of ING Online is the introduction of a reporting currency ING Online users may select a reference reporting currency and keep track of multiple currency accounts in uniformity Security is one of the keys to the success of ING Online User access is protected from unauthorized logon by advanced protection methods such as strong encryption technology digital certificates and smart cards protected with PIN ING Online strictly complies with local regulations and standards Therefore the application for each country includes specific features to best comply with local legal requirements and customers needs Country specifics are covered in the Annex to this document News ING keeps its customers informed on important general and personal news topics Rates Here ING customers have direct access to the foreign exchange rates of ING bank as well as the actual fixing rates of the local national bank The actual exch
71. ns By User The process of creation consists of the following steps e Step 1 Users have to expand the filters portlet and choose Add Remove Trx from the Packages item Figure 46 Transactions by Beneficiary Print Help Filters From To Account zl Date 21 Apr 2009 21 Apr 2009 Book Date Type zl Amount O Value Date Currency x Reference O Sent Date Status z Details T with details Beneficiary Packages Show zl Show Do not show EXPORT gt Add Remove Trx 04 Jul 2009 05 Jul 2009 100747 Domestic Payment New 1000332075 345 00 CZK 0800 995505 5955017 Test Customer Ltd 04 Jul 2009 04 Jul 2009 100746 Foreign Exchange Registered in 1000332075 12 345 54 CZK 3500 1040390919 Test Beneficiary Ltd 03 Jul 2009 04 Jul 2009 100745 ea Registered in 4050390921 10 045 54 EUR SOCBPFTX FR76174690000085005670 Test Beneficiary Ltd 02 Jul 2009 04 Jul 2009 100744 Domestic Payment Sent 1330390970 22 382 67 CZK 3500 1245123467 Test Beneficiary Ltd 100743 x 1000332075 01 Jul 2009 08 Jul 2009 100747 Domestic Payment Cancelled 345 00 CZK 0500 995505 5955017 Test Customer Ltd e Step 2 ING Online users have to expand the drop down menu in the next box enter the name of the package and click the ADD button as shown below ING Online User Manual Czech Republic May 2013 40 Figure 47 Packages Add Remove Trx x New package name here 345 my_pack 13 Jul 2009 D e Step 3 The customer nam
72. o read sign or send All records can be filtered by alias customer RPO number status payment type date of entry next execution date start and end date as well as dates of signing and sending the RPO templates A click on the alias of the RPO leads to the original template for the RPO which can be edited Upon any modification of the RPO the old order is automatically cancelled and the template appears in the report with status Cancelled Figure 32 Recurring Payment Orders Report Print Help Filters From To Alias Next date 21 Jan 2011 21 Jan 2011 xl RPO No Customer All b Status Payment Type All x SHOW gt 21 test Test cust Sent 10 00 EUR 21 Jan 2011 21 Feb 2011 Month 21 Feb 2013 Test user Test user Test user 2 Test user SF Test cust Cancelled 120 00 EUR 21 Jan 2011 28 Jan 2012 Week 21 Feb 2013 Test user Test user Test user 2 Test user sal Test cust Sent 320 00 EUR 21 Jan 2011 21 Apr 2011 Quarter 21 Feb 2012 Test user Test user Test user 2 Test user ING Online User Manual Czech Republic May 2013 29 The generated payments resulting from the execution of the recurring payment order can be found under Transaction management A little icon next to the payment record distinguishes the recurring payment from other payments The status box of the recurring payment also clearly indicates that this payment is recurring Figure 33 Status Entered by Test ING Online user 01 Jul 2009 00 12 21 No
73. of your workbook in order to see properly the information contained therein Balances by group This function is similar to Balances function and is very helpful for accounts already organized in Groups Organizing accounts in groups is covered in the information about personal settings in ING Online For details see Personal settings The idea is to group some accounts on the basis of certain criteria and use specific summary options to obtain essential information The balances information can be summarized by Currencies Customers and Branches If a client has some account groups and needs specific information about these groups he has to select one or more groups in the account drop down menu CTRL click or SHIFT click for multi selection select desired date or period choose a summary option from the summarize drop down list and click BUM The output screen shows the groups balances summarized by the chosen option The result is converted to the predefined reporting currency Movements ING Online clients find this function quite useful as it gives thorough information for account movements Users can define selection criteria to view different subsets of movements selected by account period of time or even data contained in the payment details The filters area is expandable and offers various filter criteria type of movement debit or credit currency beneficiary amount reference details of payment book date and value d
74. omma and the decimal separator is dot This amount mask is applied to all amount fields in he application and includes not only transactions but also amounts in the filters of all reports in the application where amount fields exist as separate fields for filtering and users can enter amounts All reports generated by the system also have the mask applied to all amount fields ING Online users can enter numbers with or without thousands and decimal separators The rightmost separator will be considered to be the place of the decimal separator Changes affect field presentation after the user exits the amount field In this moment the predefined amount mask reformats the field so that it looks like separated with thousand separator and decimal separator Examples Ifuser enters 1800000 the system displays it as 1 800 000 00 fuser enters 1800000 00 the system displays it as 1 800 000 00 fuser enters 1800000 00 the system displays it as 1 800 000 00 fuser enters 1 800 000 00 the system displays it as 1 800 000 00 ING Online User Manual Czech Republic May 2013 11 Ifuser enters 1 800 000 the system displays it as 1 800 00 Actions with transactions After saving a transaction users have the opportunity to modify it The Action box appears under the preview of the current transaction and the following actions are available Figure 12 Actions New Copy Edit Save as Template Upload new C2B View C2B Files
75. on Save as Template automatically retrieves template type data from the current transaction and opens a template form that can be saved as a ready template Users only have to type the name of the template and it is well ready ING Online validates user entered data in the template fields for presence and correctness Upon successful completion of the procedure for creating a template the template is listed in the templates section and is ready to be used in a payment edited previewed or deleted Export of templates Users may request for an export of their templates at an ING branch The templates are exported in a csv file that can be opened with a text editor or MS Excel The exported templates can be organized by accounts and by payment type The first row in the file contains the names of the exported fields Currently templates for domestic and international payments can be exported ING Online User Manual Czech Republic May 2013 14 Actions with templates Existing templates can be accessed through Transactions Type of payment the button Templates in the top right corner of the application The following screen shows the templates list Figure 16 Templates Filters Search for Search in Beneficiary CREATE NEW gt Template 1 Beneficiary 1 INGBPLPW 123456789 Details 1 Template 2 Y a A E Beneficiary 2 INGBBGSF 987654321 Details 2 DELETE gt BACK gt SELECT ALL The
76. ons according to them being part of a package or not Additionally users may choose he package by which transactions are going to be filtered by If the User selects option Show the report will include all payments satisfying the selection criteria including the payments from the Packages Users may go further and select one specific package from the list of all packages in the combo box on the right the report will display only the payments in the selected package Users may also manually create packages from the Add Remove Trx combo box item See Packages for more details Another useful option provided for in Transactions by Beneficiary is the option to export transaction information in a MS Excel file The information exported maintains all filtering applied previously and is sorted by the most recent items first The option Summary creates a summary of transaction records by Type of payment Ordering Account Currency Amount and Count of payments as shown below considering all filtering applied previously a 52 Foreign Exchange Buy Sell 1000332075 1 2345 54 Foreign Exchange Buy Sell 1000072298 USD 1520 12 3 Domestic Payment 1330390970 CZK 1000 00 1 Domestic Payment 1451003471 CZK 258 23 5 International Payment 1050390921 EUR 345 00 1 Users may sort this information by all column headings and apply all filters in the same manner as described above The Print button in the upper
77. osit is not renewed automatically and the principal and interest accrued are transferred to the respective current account In order to make a deposit request the following form has to be filled in and sent to the bank Figure 27 DEPOSITS Date 01 Apr 2009 Account Number x Name Amount Amount Currency Deposit Terms Period Standard Interest Rate Standard Credit Account Date Date The date of the deposit request it is the current date and may not be altered Payer Account Number the number of the account that is going to be debited with the amount of the deposit request the account may be selected from the drop down list Name Name and details for the orderer automatically filled in by the application on the basis of the entered account number Amount Amount amount of the deposit The minimum amount that can be deposited is CZK 3 million or 100 000 USD EUR for other ING Online User Manual Czech Republic May 2013 26 currencies please contact Financial Market Department Currency the currency of the deposit is automatically filled in accordance with the selected account Deposit Terms Period This drop down box contains standard periods for the bank that users may choose from Interest rate the interest rate for the deposit depending on the official interest rates of the Bank for the specific period entered by the user Credit account the number of the account that
78. ouncements by courier D 23 Check registered announcements by courier E 30 Check for the ordering party F 31 Check for the ordering party announcements registered ING Online User Manual Czech Republic May 2013 35 G 32 Check for the ordering party announcements by courier H 33 Check for the ordering party registered announcements by courier 1 Constant End of Application Header Block 4 Constant Text Block Multiple orders in a file are separated from each other by the sign The new order starts in the same row with a starting brace and an order header The fields within an order are separated by the lt CR gt lt LF gt sequence start in the beginning of a new row The Payment block Figure 41 720 Customer reference 32A 021023CZK8882 40 Value date YYMMDD Currency Amount 50 PRIMAPLYN SPOL S R O Ordering lnitiating party 4 rows at most BAAROVA 2 140 00 PRAHA 4 52D 0000001000005551 Ordering party account number 0000001000005551 Charges account number CZK CZK Ordering party account currency Ordering party charges account currency 335 NL NL Statistical code Beneficiary country code Beneficiary Bank country code 57A ABNANL2A Beneficiary bank Swift digits address This field is optional but when exists no data needed in 57D 57D ABN AMRO BANK N V Beneficiary bank address 3 rows at most 59 487713966 Slash Account number of the beneficiary SHV ENERGY N V Beneficiary name 2 ro
79. posit 14 Nov 2009 10 Nov 2010 1 008 33 FINE TOOLS LD00113380 10 Nov 2010 222 542 20 EUR 2 300 0 00 Deposit Taken Fixed 31 Jul 2009 31 Jan 2007 2 616 11 ING Online User Manual Czech Republic May 2013 9 Loans Similarly with Deposits under the Loans tab ING Online customers have the opportunity to check the status of their credit relations with ING Bank Information about loans include starting and ending dates credit type and interest rates due interest and due principal amount and currency Functionality of this section includes sorting and printing of desired information Again the maturity date of the loan is marked red when the loan is going to mature in 7 days or less from the current date Figure 8 Filters From To Customer Date 16 Feb 2011 gt 16 Feb 2011 Deal date Currency E Amount Maturity date Type zl Contract No SHOW gt EXPORT gt FINE TOOLS LD00212949 23 Mar 2011 116 264 06 EUR 5 568 15 Dec 2006 116 264 06 0 00 116 264 06 Loan Discount 13 Nov 2009 15 Dec 2011 FINE TOOLS LD00211962 23 Mar 2011 3 592 922 35 EUR 8 381 30 Nov 2006 0 00 25 093 57 25 093 57 Loan Variable Rate 31 Oct 2009 29 Dec 2011 Guarantees In this section ING Online users obtain existing information about guarantees issued by ING on their behalf Details include contracts date of issuance type of guarantees amount currency and period of validity The end date of a guarantee is marked red when it is 7 days or l
80. r PDF files Note Please save generated files on your hard drive before opening Financing In the Financing section ING Online users find an overview of details and status from all accounts held with ING Bank for their Deposits Loans Guarantees and Letters of credit All reports under Financing can be filtered by customer currency type amount range date range contract number deal date and maturity date Additionally reports can be summarized and exported in a MS Excel file Deposits Under Deposits users acquire up to date information about their deposits with ING Bank This information includes details about the type of deposits starting date and ending date in case of term deposit interest rates and due interest at the moment as well as amount and currency of the specific deposit Users may sort this information according to all details for their deposits and print it in HTML format through the print button in the top right corner of the page The date of maturity of the deposit is marked red should the deposit is going to mature in 7 days or less Figure 7 Deposit Request Filters From To Customer All Date 16 Feb 2011 16 Feb 2011 Deal date Currency Il z Amount Maturity date Type All a Contract No Customer ID Contract No asof v Amount Currency Interest Rate Current interest Deal Date Interest at Maturity FINE TOOLS LD00213058 10 Nov 2010 11 000 000 00 BGN 3 300 0 00 Term de
81. r handy feature of ING online is the possibility to upload multiple files simultaneously This can be achieved after clicking on the Add button A new form for uploading a file shall open and users can browse for the next file to upload see Figure 60 Users may upload up to five files at once The total size of uploaded at once files cannot exceed SMb If the check box Use document type and description for all uploaded files is checked the application shall apply the same type and description for all uploaded files Figure 60 Document type File description Please select file max 3Mb Browse Users may opt to group uploaded files This allows for group signing and sending of files In this case they have to either create a new group or choose a group previously created Groups are created on a customer level Two different customers cannot share a group Groups are created similarly to manual package creation Users have to click the small arrow in the box next to Group and the application shall display all groups of uploaded files created for this customer Users may choose an existing group from the drop down list and it shall automatically be applied to the uploaded file If users choose to create a new group they have to only type the name of the group in the box Add new group here and click the Add button as shown below Figure 61 Add new group here Invoices Scans Docs Misc Eac
82. ransaction packages for transactions imported via file upload Users can also manually create packages of transactions ING Online supports locked packages and unlocked packages Locked packages Transactions contained in locked packages are treated as one entity and can be signed and sent through Packages Sign and Send Transactions in locked packages always have the same status and cannot be modified signed and sent individually until package is unlocked Once a package is unlocked it cannot be locked again Locked Packages are created via File upload if selected by the user when processing an uploaded file Transactions contained in a locked package are marked with the following symbol Unlocked packages Unlocked packages may contain transactions grouped by user defined criteria irrespective of transactions current status Thus unlocked packages may consist of transactions with New Signed with Sent or even Cancelled status For Unlocked Packages it is allowed to modify transactions as well as add remove or cancel transactions Unlocked packages can be signed and sent through Transaction Management Sign and Send Unlocked packages are marked with B next to the type of payment ING Online User Manual Czech Republic May 2013 39 Creation of packages ING Online users can create packages manually or by uploading files with transactions Packages from uploaded files As explained in
83. right corner of the application creates a Printer friendly overview Only the transactions on the current page on screen are sent to the printer This may be less than the total of all filtered transactions In this case if a user wants to print all filtered transactions the setting for the number of transactions on one page must be increased via Personal Settings Settings Rows in Transactions by User management of reports ING Online offers user management of displayed reports Currently users can manage Transactions by Beneficiary and Transactions by User reports Users can modify the reports by choosing which columns from the report to be displayed on the screen The button COLUMNS above the right end of the table triggers a small pop up window where users may choose and set their preferences Figure 53 Manage report columns Show Entered Sent Date Value Date Type Status From Account Amount Currency Ben Bank Code Beneficiary Account Beneficiary Name Details Please note that 1 Column Reference is always displayed in the report 2 You can hide show payment details here 3 The order of the report columns is not necessarily the order they are shown in this table The window on the left defines the current view of the report The window on the right shows which columns are hidden in the report By clicking on the desired requisites of transactions users move them between the windows and
84. row Q a z A Z 0 9 30 SWIFT code A Z 0 9 8 11 Foreign exchange Rates list ime when the order was with the FX transaction is Figure 26 ING Date NG Online users may use this function for foreign exchange deals In order to do this users need to have accounts in the respective currencies The foreign exchange deal takes place under the exchange rate announced by the Bank in the Exchange Foreign exchange orders received till 04 00 PM will be executed on the same business day using the exchange rate valid at the processed by the Bank If the order is received after 04 00 PM or on non business day the Bank has the right to reject the payment as exchange rate not valid any more and this would cause an exchange rate difference In accordance the Bank is entitled to reject the FX transaction in case that the date of FX transaction captured to ING Online is not equal to the date this FX ransaction is sent to the Bank FOREIGN EXCHANGE Due Date 01 Apr 2009 Date 01 Apr 2009 Debit Account Account Number gt Credit Account Name Account Number Sell Amount Buy Amount Name ING Oficial Exchange Rate 27 2637 Payment Details Date The Owner of both accounts must be the same The date for execution of the transfer is the current date and cannot be altered Debit Account Account Number users have to choose the account they will be buying another c
85. s is 35 permissible symbols except for the fourth row which can take up to 30 symbols 5 symbols are reserved to identify the payment as express Details for Charges This field specifies who will bear the cost of the transfer fee The options for transfer charges are shared SHA all charges for he ordering party OUR and all charges for the beneficiary BEN his field specifies who will bear the cost of the transfer fee The options for transfer charges are shared SHA all charges for he ordering party OUR and all charges for the beneficiary BEN As of 1 November 2009 the EU Payment Services Directive 2007 64 EC OJ L 319 shall enter into force Article 52 2 of the Payment Services Directive mandates the sharing of charges between the payer and the payee for all payment transactions pure national or cross border transactions within the EU Charges will have to be levied even in the presence of currency conversion directly on the payer and on the payee by their respective banks Accordingly the only possible charging code for those payments will be SHARE it will not be possible to indicate the charging code OUR or BEN any longer for payment ransactions covered under the directive This provision aims to facilitate the straight through processing of payment transactions Eligible payment transactions in respect of the Payment Services Directive shall fulfil the following requirements
86. same way as in Transactions by Beneficiary to obtain desired views and results Note Information for packages waiting to be signed is not included in the Sign screen Signing of packages can only be executed through menu item Packages Sign screen Send Figure 57 Transactions to Send Print Help Filters El From To Account Date 21 Apr 2009 21 Apr 2009 z Book Date Type Amot O Value Date Currency Reference Status Details LE with details Beneficiary Packages Show B 21 Apr 2009 21 Apr 2009 982 Domestic Payment Signed wih second 1339390970 1000 00 606035007 Test User 1 Test User 2 SELECT ALL gt 1330390970 1000 00 The function Send is used to view and send all documents ready for sending i e documents that already have been signed in accordance with the signing policy of the customer The Send screen lists all documents waiting to be sent to the bank and for which the user has access to the account the payment is linked to and rights to send this type of document Users choose and select payments and click on EDJ Sending of transactions is quite similar to signing of transactions Users can make use of the Select All button up to 250 transactions waiting to be sent Packages informations is not available By default the initial screen displays all transactions with the send check boxes selected Payments waiting to be sent to the Bank can also be filtered in accordance with the
87. swers 56 Introduction to me Your gateway to C Eastern Europe ING Online is a sophisticated Internet browser based banking service for the Central and Eastern Europe CEE region ING Online fully supports all features required to manage liquidity and working capital varying from domestic and cross border payments to foreign exchange dealing ING Online provides up to date transaction information and balance reporting This Online user Guide is for the customers of the bank and describes ING Online functionality for end users ING Online Your benefits ING Online has been developed in order to help the customers of ING Bank to run their business more efficiently and increase their corporate performance Using the latest web technology ING Online offers more dexterous financial control mobility and comfort to customers in carrying out banking operations with our bank using proven and highly secure methods Figure 1 ING ONLINE CZECH REPUBLIC ENGLISH CESKY ING Online Profile Security Information Exchange Rates Against CZK Welcome You have installed the component for digital signing You are successfully logged in ING Online wholesale banking application If you have problems during the signing please click here 26 6437 27 2637 rile Please remember it is necessary to perform the following three steps to Your last login was on 14 Mar 2011 08 47 49 Sper DR s5 gt Account Information initiate payment transactions ING root
88. t Cancelled 1330390970 1000 00 CZK 99505 5955017 Test Beneficiary 4 Details VAR 1238492383 Details 1 Details 2 Templates Users of ING online can create templates for all kinds of transactions Templates are extremely useful for regular payments with constant partners Creation of templates Creating templates is easy as it involves only entrance of the payment details once and then saving the payment form as a template ING Online offers two options for creating templates Option 1 path Transactions Type of payment button Templates in the top right corner of the application The templates screen contains no templates upon initial use of the application Customers may create templates by clicking on the button GESE The screen for creation of templates represents a payment form that offers the possibility to enter relatively fixed and unchangeable data such as details for beneficiaries details for the ordering parties payment details etc After filling in the template form users have to save it and it appears in the templates list and is ready for use Option 2 path Transactions Type of payment Fill the payment form Save the transaction Save as template This option gives ING Online users the opportunity to save the template type details of a transaction into a ready template in a click The transaction when finished and saved opens in a preview mode and offers a set of actions below the transaction form A click
89. t and the fractional part Currency the field for currency cannot be changed Its value is CZK as the payment is domestic Payer Name the name of the payer is mandatory to be specified Street the field is used to enter the address of the payer City the city of the payer Payer Bank Prefix Beneficiary bank prefix Account No the account number of the beneficiary must be filled in Bank code Users may enter the bank code manually or choose it from the drop down list Name the name of the payer s bank is automatically filled in by the system on the basis of the entered bank code Symbols Constant the constant symbol indicates the nature of the payment Could be entered or selected from the drop down list Users have to enter a valid constant in order to be able to save the payment Variable Variable symbol Specific Specific symbol Payment Details ING Online users may enter free text in order to provide additional information about the payment Permissible symbols and length of fields Fields Permissible symbols Length of fields Amount 0 9 and the special symbols and Comma or dot accepted as 8 2 decimal decimal point Account No A Z 0 9 6 10 Name of initiating party Q LOCAL_ALPHABETa zA Z0 9 35 Account number of instructing LOCAL_ALPHABETa zA Z0 9 35 party Address of instructing party Q LOCAL_ALPHABETa zA Z0 9 35 Additional infor
90. t in Single credit transfer format MT103 This file format can contain both domestic and foreign payments which may occur simultaneously in a single upload file The MT103 file format uses UTF 16 16 bit Unicode Transformation Format All files contain a file header The header contains details for the total count of payments in the file as well as the total amount of money regardless of the type of operations The following is an example of a domestic payment in MT103 file format Figure 39 01 REF123 Reference 02 100 00 Total Amount of payments 03 1 Total count of orders 04 10500028 Paying Bank BIC 05 ING BANK Praha Paying Bank Name UL ULICA 18 Paying Bank address PRAHA Paying Bank City 06 USERCZ Ordering party name 07 OB130B7 txt File Name 20 MT103CZ Senders reference 23B LCY Bank operation code z 2 E O H Nn z gt x Note Ordering Initiating party information contained in tag 50K shall be stored in the transaction as it is and shall not 32A 090123CZK100 00 50K CANDY CZ 52A D 40702810400001001905 044525222 57A 044525222 59 4452378228123456785 SWEET CORP SWEET STR BRNO 70 108 9876543210 987456321 INV 1221 detail 3 detail 4 72 EXPRESS Value Date Currency Amount Ordering Initiating party information Ordering Customer account Ordering party BIC Beneficiary bank local code Beneficiary account Beneficiary name Beneficiary address Beneficiary city Constant
91. t of all documents waiting for signatures for which the user has access to the account the payment is linked to has right to sign the particular type of document and has an appropriate type of signature A B C etc Users may sign documents in bulk when selecting the desired ING Online User Manual Czech Republic May 2013 46 payments through the check boxes in the far right column and clicking on Sign Another possible solution to sign all payments waiting to be signed is to select all payments through the button Select all and sign A second click on Select all deselects all payments When a user has selected a transaction or transactions to be signed a table appears under the list of payments and indicates the control amounts for the accounts involved in the payments selected to be signed Users may customize the Sign screen by setting up from 50 to 2000 rows per page See Personal settings The default setting is 250 rows per page as the Select All button is no longer shown should the number of transactions waiting to be signed is greater than 250 Accordingly the initial Sign screen displays all transactions with the sign check boxes selected by default so that users may sign all transactions with a single click irrespective of their count In case users do not need to sign all transactions they can deselect the transactions they do not want to sign and sign the rest Users may filter transactions to be signed the
92. templates may be sorted by the name of the template chosen for use edited viewed and deleted by clicking on the appropriate icons in the different table columns The filters area above the template table provides for an opportunity to search for specific templates as well ING Online users may search for templates by beneficiary names beneficiary account numbers and template names Templates quick search As previously said ING Online users may search for a specific template in their templates list Users may search for matches in the beneficiary names and accounts in a template and in template names The quick search function allows users to search for a template directly from the top right corner of the payment screen Figure 17 Templates Print Help Quick Template Beneficiary Search Search in Beneficiary Upon finding a match the template details are shown below the search form Figure 18 Templates Print Help Quick Template Beneficiary Search i Search in Beneficiary Choose Choose Beneficiary Beneficiary Bank Code Beneficiary s Account Details Ly Ly ING Online users have two possibilities to use the desired template either choose the whole template when they click the icon in the Choose column or use only the beneficiary data from the template when they click the icon in the Choose beneficiary column When Choose beneficiary is selected the template contains only data about the beneficiary When the
93. ters area Other ways of filtering the content of the table include e Document type Filters the files in accordance with the predefined types of documents invoices letters of credit etc e Status The process of upload of files from the customer to the Bank follows the logic of capturing transactions and includes several stages uploading signing in accordance with the signing policy and sending At each successfully completed stage the status of the file changes The possible types of the status of the uploaded file are as follows e New The file is uploaded by the user and awaits user s signature when the signing process is mandatory e Signed with first signature The file is signed by the user with first signature when the signing process is mandatory Signed with second signature The file is signed by an user with second signature when the signing process is mandatory and the C2B signing policy requires two signatures e Sent The file is sent by the user to the bank e Cancelled The file is cancelled by the user e Accepted The file is accepted by the bank e Rejected The file is rejected by the bank for some reason the description of the reason is mandatory The uploaded file gains the status Accepted or Rejected in accordance with the Bank decision to accept or discard the file Upon accepting or rejecting the uploaded file the application automatically generates an item in its News section e Custo
94. thus define the ING Online User Manual Czech Republic May 2013 44 displayed report The small orange arrows move all the columns In the example shown on Fig 43 all transaction requisites are going to be displayed The button Save has to be pressed in order to generate the report with all user preferences Transactions by user The function Transaction by User shows all initiated transactions for review with information who has captured signed and send the transactions Figure 54 Transactions by User Print Help Filters From To Account Date 16 Feb 2011 E 16 Feb 2011 x Book Date Type Amount O Value Date Status El El Currency a Reference O Sent Date El Details 7 with details Beneficiary Packages Show zl COLUMNS 16 Feb 2011 21Feb2011 407638 Foreign Exchange Registeredinthe 1000332075 12 345 54 CZK Test User 1 Test User 1 Test User 2 Test User 2 Details DETAILS 1 DETAILS 2 16 Feb 2011 16Feb2011 407637 eee Signed with second 4959390921 345 00 EUR Test User 2 Payment signature Test User 2 Test User 1 Details Invoice number 450284584 16 Feb 2011 16Feb2011 407636 Domestic Payment Serene First 1330390970 1000 00 CZK Test User 2 Test User 2 Details VAR 1238492383 Details 1 Details 2 The screen displays a table with transaction records similar to the screen for Transactions by Beneficiary the only difference being the columns for user information e Entered by This column contains
95. transactions e Type The type of transaction The type may be Domestic payment International payment Foreign exchange etc e Status The transaction status e From Account The number of the client s account used for the execution of the transaction e Amount The amount of the transfer e Currency The currency of the transaction e Ben Bank Code The code of the beneficiary s bank e Beneficiary account The number of the account of the beneficiary e Beneficiary name The name of the beneficiary There is a dedicated line in the report with the details of the transaction In the cases where the transaction is either a domestic payment or a direct debit order the details line of the transaction contains the variable symbol used in the payment as well as the text of the details of the transaction All information contained in the table may be sorted by columns upwards or downwards It as well may be filtered by various criteria through the filters box above the table with transactions After choosing a filter filters user have to click the button to display desired results Filter criteria are e Account Users may filter the transaction information in regards to a specific own account e Type of payment The information may be filtered by types of payment e Currency Filtered by type of currency e Status Transaction information may be filtered by status of payments possible options are All New Signe
96. urrency with ING Online User Manual Czech Republic May 2013 25 Name Name and details for the orderer automatically filled in by the application on the basis of the entered account number Credit Account Account Number the number of the account where the bought currency will be placed For example if a user wants to sell CZK for EUR a CZK account is debited and a EUR account is credited Name the name of the orderer is automatically filled in by the application on the basis of the entered account number Amount Sell Amount and Buy Amount the sell amount and buy amount respectively Depending on what amount is entered in either of he fields the amount in the other field is updated in accordance with the official exchange rate of the bank ING Official Exchange Rate the foreign exchange deal takes place under the official exchange rate of the Bank Details of Payment Details of payment users have to enter details for the transaction Permissible symbols and length of fields Fields Permissible symbols Length of fields Amount 0 9 and the special symbols and Comma or dot acceptedas 18 2 decimal decimal point Date Current date minus 365 days or plus 90 days Details of payment OQ a z A Z 0 9 1 35 Deposit request ING Online users can make deposit requests with the accounts they have rights to do so Deposits are non revolving This means that after the deposit period ends the dep
97. used by this transaction is released immediately The weekly limits of the users are released every Monday at 00 00h The monthly limits are released at 00 00h on the first date of the month The amount of the transactions signed and not send in one day is transferred for the next day as used limits Figure 65 Report generated on 15 Mar 2011 02 47 14 PM All limits presented are in CZK User Sign Limit DAILY 20 000 00 18 000 00 Name Send Limit PER TRANSACTION 200 000 00 User Customer User to Customer Limits HIGH FLY CZ 100 000 00 98 000 00 User to Account Limits 1000335702 18 000 00 User Limit 120 000 00 118 000 00 1000335710 18 000 00 User Limit 85 000 00 85 000 00 ING Online User Manual Czech Republic May 2013 53 Beneficiary files The main purpose of the function Beneficiary is to allow ING Online customers to import MultiCash beneficiaries data if they have previously used MultiCash Through the import of beneficiaries data ING customers save time and resources as the application automatically generates templates for each beneficiary exported from MultiCash Under Instructions ING Online users can download control files for different versions of MultiCash 2 12 and 3 01 and different type of payments domestic and international These control files contain instructions what type of beneficiaries data from MultiCash to be exported to ING Online The control files have to be imported in MultiCash in order Us
98. uv xX yZABCDEFGHIJKLMNOPQRSTUVWXYZAB BrOEX3UAKNMHONPCTYOXUYWWbbWAas BrOeK3SUHKNMHONPCTYPOxuYywuMmb45wn012345 6789 space DOMESTIC PAYMENT Date ige pi RINGS Date 15 May 2013 v symbols for the specific field so that users can easily orient and correct their mistake The Beneficiary i panes name BO aN a E E din E Beneficiaryis Resident X validation errors in the field Beneficiary s Name and the error report contains the description of the error When hovering over the error description the mistaken field is highlighted and a popup box with the allowed symbols for this field is displayed Users can see that the symbol is not allowed for this field and can quickly correct their error Completion of transactions The steps for completing a transaction by manual capturing in ING Online are the following e Step 1 Open and fill the desired interactive transaction form from the left side menu of the application under the tab gt Transactions e Step 2 Save the transaction form by clicking on the button SAVE gt e Step 3 Sign the transaction by clicking on Sign in the Actions box under the transaction form e Step 4 Send the transaction click on Send in the Actions box under the transaction form Display of amounts A convention for displaying of amounts exists throughout the application All amounts are displayed as 999 999 999 99 where the housands separator is c
99. ws at most RIJNKADE 1 Beneficiary address 2 rows at most 70 8 54500067 Payment details 4 rows at most 71A BN1 Charges BN1 Expenses of the ordering party bank are paid by the ordering party and the expenses of the beneficiary bank are paid by the beneficiary Z Q ie aa op es A z OUR All expenses are paid by the ordering party BN2 All expenses are paid by the beneficiary 72 00 00 00 00 Instructions 4 instruction codes At Most 2 digits numerical codes separated by spaces lt CR gt lt LF gt Partner lt CR gt lt LF gt Supplementary information for the field 52D lt CR gt lt LF gt Statistics next 3 rows Note Ordering Initiating party information contained in tag 50 shall be stored in the transaction as it is and shall not be overwritten by the beneficiary party information existing for that customer in ING Online ING Online User Manual Czech Republic May 2013 36 International payment in Single credit transfer format MT103 The following is an example for an international payment in the Single credit transfer format MT103 Figure 42 01 REF123 02 100 00 03 1 04 10500028 05 ING BANK Praha UL ULICA 18 PRAHA 06 USERCZ 07 OB130BINT txt 20 MT103CZ_INT 23B FCY 32A 090123EUR100 00 50K CANDY CZ 52A D 40702810400001001905 044525222 57A BACXBGSF 59 BG90BACX96601021659703 SWEET CORP SWEET STR SOFIA 70 DETAILS 1 DETAILS 2 DETAIL 3 72 SHA

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