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1. Hungary Ee ARE SEN OnLine system No Yes No Yes No Account balance booked balance available amount Yes Ves No reserved balance overdraft facility Account history Yes Yes Yes Account statement Yes Yes Yes Reports Report of postal cash payment orders Yes Yes Yes Report of postal payment orders Yes No Yes Report of bulk payments Yes No Yes Report of direct debits Yes No No Yes Report of authorisations for direct debits Yes No No Yes Payment orders HUF transfers RTGS included Yes Yes Yes Foreign currency transfers Yes Yes Yes HUF internal transfers Yes Yes Yes oo tes tes e Standing Orders new modification delete Yes Ves No Direct Debits new modification delete Yes Ves No EU transfers Yes Yes No SEPA transfers Yes Yes Yes Bulk payment Yes No Yes Direct Debit Yes No No Yes Collection orders Yes No No Postal cash payment orders Yes Yes Yes Making deposits Yes Yes No Terminate deposits Yes Yes No EET transactions Ves Ves No Free format letters orders Yes Yes No Announcind cash withdrawals Yes Ves No Cash delivery orders Yes No No Authorisation to supply banking information Yes No No Order to supply coverage verification Yes No No Loan drawdown Yes No No 33 34 Hundary Spectra Spectra Light SpectraNET Plus SpectraNET Light MultiCash Securities functions Account balance balance available amount market value Yes yes No
2. 3 Access e Cash requires an Internet connection for data exchange 4 Security DPAPI is used for encryption decryption operations at Lo cal App Server in order not to maintain a separate key for the server with respective additional issues about securing this key e Specific data ID is stored in the database in encrypted form and it is requested by authenticated user so it should be decrypted to original value and passed back to the Client app A unique user credential set certificate Username and password is being assigned to the identified named per son during the registration process User passwords stored one way encrypted Secured network infrastructure is implemented by the Bank New components feature encrypted traffic between application tiers and SSL Sensitive data is stored sent over network and logged in encrypted form A specific scheme is applied to protect sensitive data in the local database Not all database tables and fields are being encrypted but only sensitive data ac count balances payments etc The following features have been implemented in e Cash to ensure a fully secured communication system Confidentiality Data encryption is the basis of a secure communication system The customer provides the necessary personal information and defines the user rights required The per sonal data for each user is redistered on the server applica tion where it is matched with a digital certi
3. Detailed list of contacts for domestic and international payments e Notifications tailored to customers needs with a predefined frequency or upon movement submitted via e mail Furthermore the system supports the import and export of user defined payment data in MS Excel txt or XML format for date exchange with other ERP systems Dedicated help desk experts support errorless and rapid data entry the interactive help on screen describes all the func tions of Bulbank Online in detail 2 Customer profile This product is particularly useful to companies with interna tional operations wishing to manage all their accounts via one sindle point It is up to the company to define the number of users permitted to work with Bulbank Online and their respec tive rights which includes a set of accessible accounts the ridht to create payment orders the ridht to confirm payment orders up to certain limits and the readind of account infor mation 3 Access Bulbank Online is accessible via Web and mobile phone 4 Security Access to the system via the Internet is secured by a personal user name and password However a digital certificate is re quired for the execution of payment transactions Bulbank On line supports the use of both digital certificates for universal electronic signature issued by companies registered in Bul daria in accordance with the law on electronic documents and electronic signatures or digital cert
4. cluding the digital management of documents and invoices Speed and ease of execution of transactions and consulta tion of information Optimisation of control and authorisation processes in cluding the ability to change the privileges of authorised users Move to paperless processes Italy Flexibility of use with the possibility to customise display and operational aspects of the system Qualified support services constantly available via multiple access points Online Help Contact centre with telephone support 4 Commercial solutions UniWeb offers significant functional and operational flexibility by providing separate and complementary services designed and developed in order to satisfy the diverse operational requirements of UniCredit s business customers UniWeb currently offers two solutions UniWeb 2 0 UniWeb 2 0 Plus UniWeb 2 0 This solution provides online informative and operational functionality for real time communication with UniCredit as well as for communication with other banks accordind to CBI standards It provides the following functionalities The OnLine section contains functions that allow the users to communicate in real time with UniCredit providing exclusive and high value added functionality in terms of receipts and payments and advanced financial services such as Balances and transactions View information recorded in current account statements with the same update fre que
5. rithm and used to encode the data to be transmitted The RSA algorithm is used world wide for the highest level of security key development In MultiCash both RSA and DES algorithm are implemented By using the concept of symmetrical or asymmetrical encoding techniques data security can even be provided in non secure chan nels Furthermore data are compressed to enhance the performance rate e Integrity amp authenticity These requirements are met by using firewalls Guaran teeing data integrity and an electronic signature assur ind authenticity Start and end blocks are used to identi fy messades and to make sure that the data transferred is intact A fingerprint is used to calculate a checksum CHK2 of the entire file through a hash process If the electronic signature is not correct the communication session is interrupted immediately a digital signature is used with every bit of information in both directions The data as well as the signature are DES encoded A strict pass word concept is integrated into this key design as well Any discrepancy of data during one of the numerous se curity checks will cause immediate transaction interrup tion and trigger alarm procedures Non repudiation This is achieved by the RSA and the DES algorithms in combination with the following security components implemented at the receiver s end e Password change in short repetition e Diffie Hellman key exchange after every successf
6. 1 Product description iFOBS available in an online and offline version has an user friendly interface along with diagnostic message and help systems It does not require special computer skills to oper ate it 2 Security Using iFOBS requires an Internet connection and uses SSL pro tocol Access to the system is also possible through a direct di al up connection with the Bank using an asynchronous modem that is connected to PSTN Public Switched Telecommunica tion Network iFOBS meets the modern requirements placed on information security A personal authentication password digital signature for every user of the client and flexible user rights management system are provided Encryption of data traffic between the Bank and the client s PC has been imple mented to avoid unauthorised accessing of the data 3 Your benefits iFOBS provides clients with the following functionalities e Processing payment orders in both national and foreign currencies e Foreign currency purchase sale orders and conversion Orders for distribution of incoming FCY proceeds Monitoring the status of the transferred payment docu ments Monitoring current accounts balances including incoming payments Constant access to the accounts statements current status and history over a requested period of time e Access to documents processed in the Bank s archive for requested date or period of time in the past e Exchanging messages and files
7. Account history Yes Yes No Account statement Yes Yes No Stock purchase sale Yes Yes No Pioneer Hungarian Investment Funds and Pioneer International Investment Funds issue Yes Yes No of investment certificates Issue of external Investment Funds of investment certificates 368 Ke No Securities transfer Yes Yes No Handling of non booked transactions Ves V s No overview delete SMS service SMS announces referring to bank accounts Ser Yes Ves No overviews of account settings new modifying SMS announces referring to debit cards Vas ge No overviews of account settings new modifying Banking information queries FCY rates interest rates conditions Yes Yes Yes stock exchange rates funds Calculating interest rates Yes No No Other services Handling of order templates partner database Yes Yes Yes Handling multiple signatures Yes Yes Yes Handling order packages Ves Yes No ye signing and sending packages Electronic mailbox function Delivering orders to another installed place for further signatures modifications or for the Ves Yes No No reason of sending it to the bank Electronic mailbox function Delivering orders entered through the installed Spectra program to the SpectraNet System and the other way around for the Yes Yes No No purposes of further signatures modifications and sending it to the bank Management of Transaction and Dai
8. clients Mechanism of coding and integrity for posting Crypto library certified by the State Security Service for Special Communication and Information Protection corre sponds to current Ukrainian legislation e Flexible control of the clients rights and rights of their employees 4 Range of services iBank 2UA offers to use the following functionalities Payment orders in national and foreign currencies e Foreign currency purchase sale exchange Permanent access to the reporting account statement in terim transaction report Additional module for salary projects e Possibility of having the system interface with accounting software throudh the export and import of documents e Exchange of confidential messages with file attachments e Additional module Multiclient possibility to create and sign all payments on behalf of subsidiary companies for the group of companies e Acquiring module e Export and import of documents Monitoring of payment order processing Multi language interface Possibility to define the competence level for a specific transaction amount Vour benefits World wide availability Real time working with the Bank High level of security through the Electronic signature card or Smart card and password Saving on administration costs electronic payments i e paperless ndependence from bank opening hours Recommended technical requirements Windows XP Vista 2000 2003 7 2008 Internet
9. where necessary is carried out automatically Advanced Cash Management Integrated advanced cash management within Italy and abroad with bank state ments balances per currency and intraday changes where available e Scheduler Allows the integration of company ERP systems within UniWeb by scheduling the automatic upload import and download of files e Locked management Prevents transactions and files from being modified within the application e Advanced Admin area Allows the customisation of signa ture powers including the following definition and man agement of roles for signatories and users management of transaction privileges within the application creation management of signatories user groups Customer Service UniWeb provides a structure that supports the customer with any technical or operational issue when activating or using the service through the support offered by the Contact Centre and the dedicated Online Help function Corporate consultants and product specialists are always available at all branches of Uni Credit in order to provide any information or explanation or to activate the service 6 Recommended technical requirements In order to gain access to UniWeb computers must be config ured as follows Operating System Windows 8 e Windows 7 Windows VISTA e Windows XP Service Pack 3 Browser e Microsoft Internet Explorer 6 or higher with 128 bit coding level Java Sun version Version 1 6 u
10. 5 Recommended technical requirements e Internet access via standard web browser Internet Explorer 6 7 or 8 Mozilla Firefox 3 0 x 3 5 x Standard PC with Microsoft platform Windows 2000 Windows XP Windows Vista Windows 7 incl servicepacks e Java Virtual Machine SUN version 1 4 2 x 1 5 0 x 1 6 0 x e Floppy disk USB stick or banking signature card for storing the signature key e Chipcard reader Kaan Professional Reiner SCT Cyber Jack alternatively SigAPI compatible chip card reader e Adobe Acrobat Reader 27 28 Germany UC EBANKING PRIME UC eBanking prime from UniCredit is multi bank compat ible and designed to accommodate the latest domestic and international payment standards The entire solution was developed in house UniCredit Bank AG and our IT special ists have built on the expertise they incorporated into the predecessors also by integrating customer input into this software system 1 Product description Unlike many other electronic banking applications UC eBanking prime is not portal based Today and in the future your bankind details will be stored on your company s own systems This fea ture is based on the UC eBanking prime server which is installed on your Intranet as a web application What this means in prac tice is that once the application has been installed all author ised workstations across the company can access the system wherever they are located The software can ev
11. Corporate Banking and checks for the presence of new versions of individual functions offering the ability to download updates in a straightforward and transparent manner Map view of information files this feature allows the user to view information on specific bank formats and export this information according to user defined criteria A dynamic on line help function and a specific Contact Center structure also manaded with remote assistance solution are always at the customer s disposal 6 Recommended technical requirements The minimum system requirements for running TLQ Corpo rate Banking are as follows Microsoft Windows XP Service Pack 3 or higher Browser e Internet Explorer 6 Service Pack 2 or higher with secu rity protocol SSL3 Cipher Strength 128 bit e Hardware requirements e Processor Intel Pentium IV processor or higher AMD Athlon 64 or hidher RAM 1 GB RAM e Hard disk at least 5 GB of available space e Network LAN 10 100 Ethernet e Monitor 1024x768 resolution color depth 16 bit or hidher 7 Market position TLQ Corporate Banking holds a strong position among the various electronic bankind software packades available in this market sector client server solution and is very well received by customers Poland PekaoBIZNES PekaoBIZNES is a unique electronic banking system used by every second large company and every second big city in Poland This modern transactional platform provides u
12. Debit Core and B2B SEPA compliant transactions e Monitoring Possibility to have a complete and integrated view of all transactions pending authorisation e Export area Management of information provided by the Banks of the Company in the same format Among the in formation available is POS Reporting which allows the user to view and download UniCredit POS terminal data Confirmation of receipt Receiving feeds from the bank of all receipt and payment transactions The Financial Services section contains special dedicated functions that allow the user to manage the advance payment of invoices using a completely paperless process Electronic Invoice Advance This is an innovative service which allows the customer to manage electronically thus eliminating paper trails and facilitating the optimisation of process the submission of invoices to UniCredit the drafting and signature in compliance with legislation of advance request forms as well as obtaining updates on the status of credit disbursement and the invoices related to the advance this functionality has been developed accord ing to CBI standards and includes value added services for UniCredit customers e Exchange Rate Listing Allows the user to identify the refer ence exchange rate of the major trading currencies for the previous day or from historical data The user administration section allows the company adminis trator to manage consistent with the details o
13. UniCredit Bank No Online banking Serbia UniCredit Bank Serbia Yes TCP IP Yes SN o NE Slovakia UniCredit Bank Slovakia A S Ves Modem ISDN TCP IP Yes BusinessNet Slovenia UniCredit Bank Slovenija Yes TCP IP E Bank Turkey YapiKredi No Ka Ka BANKO Ukraine PRICED Palette ND ui online eer version Ukrsotsbank No iBank 2UA 1 TCP IP Transmission Control Protocol Internet Protocol MC orders in country specific format which are coming from another droupinternal MC entry point and are transported via EuropeanGate can be processed 3 Internet Based MultiCash SmartOffice EuropeanGate Overview European Gate Overview 65 EG Single Point of Entry EG Target Location Austria Yes Yes Yes Bosnia amp Herzedovina Yes No Yes Bulgaria Yes Implementation planned Yes Croatia Yes Implementation planned Yes Czech Republic Yes Yes Yes Germany Yes Yes Yes Hungary Yes No Yes Italy Yes Yes Yes Poland Yes Yes Yes Romania Yes Yes Yes Russia No No Implementation planned Serbia Yes No Yes Slovakia Yes Implementation planned Yes Slovenia Yes Yes Yes Turkey Yes No Yes Ukraine No No Implementation planned 1 EuropeanGate provides our customers with access to all UniCredit banks via one single point of entry Those banks to where customers can send their orders to be distributed to the account holding bank are listed as single poi
14. an information and payment channel 1 Product description Eltrans 2000 is a Gemini 5 multibank application The system s advantage is the ability to switch flexibly between Czech and English setups Eltrans 2000 also offers features for setting automatic communications with the Bank real time system updates data transmission also via the Internet with a TCP IP or HTTP protocol and other operations 2 Customer profile Eltrans 2000 is perfectly suited to domestic corporate cus tomers 1 the alternative browser is recommended to be installed in these browsers couldn t be used all the functions 3 Security The extent of user authorisation for working with the Eltrans system is defined precisely by the client s administrator exactness relates to individual types of payments and is set to hundredths of the selected currency During the transmis sion the data are protected by special aldorithms DES RSA For the purpose of self authorisation a client also uses spe cifically created access certificates It is thus possible to easily identify several users within one company A user can lod on the Eltrans system in three ways throudh a user name and password his digital certificate or through using his access password to log on to the internal PC network the most suit able option will be selected by the company s administrator 4 Your benefits Basic functions active transactions Uploading of domestic and foreign pa
15. another security layer by using your bank signature card 4 Your benefits Fully automated import of national and international pay ment data from your accounting system and subsequent submission of the data for electronic signature and auto matic transmission e Flexible timer controlled retrieval management with downstream fully automated export function in either standardised or freely definable formats e Transmission of any desired external data including struc tured displays for the SEPA IZV DTE AZV EUE ESU and MT101 formats e Distributed electronic signature DES compliant with EBICS e Confidential SEPA and domestic payments e Automated cleanup function e Up to date account information account summaries statements movements notifications and value date bal ances plus search and filter functions e Records of EuropeanGate payments see EuropeanGate section e Standard formats IZV DTE AZV EUE ESU amp MT101 Logging functions e SAP link Security oriented differentiation of administration by means of a superordinated audit role e Configurable hash value display for imported payments with various hash processes SEPA Features SEPA information Processing and display of camt statements and messages camt 053 camt 052 e Overview and detailed view camt 054 within the camt turnover SEPA conversion tools e Conversion of existing IZV master data in accordance with SEPA stand
16. been executed the user will receive the status info via BANKO e Cheque Clearing clients can use this application to send the cheque information which will be cleared at the Bank The option of loading a txt file or preparing the data manu ally are also available BANKO has been designed as a platform which enables the clients to execute bulk transactions New products will therefore be added to the product range BANKO can be integrated into the client s computer network or installed on a stand alone PC Once the client transmits the payment orders to the Bank there are three ways in which the execution of transactions can be authorised The clients select one of them at the set up stage e Online via the Bank s Internet banking application with PKI technolody With the printed payment order authorisation can be Given by the Bank e No second authorisation real time online execution 2 Customer profile This productis especially usefulto corporate clients who execute more than ten local payments or cheque collection transactions per day 3 Security Licensing once BANKO has been installed the pro gramme has to be licensed The license file is downloaded once from the Bank s Corporate Internet banking applica tion of the client The license file includes client specific information The client must therefore be a Corporate In ternet banking application user of the Bank e Physical hardware checks a
17. between accounts access for which the user is authorised standing orders collection authorisa tions e Submission of foreign payment orders standard payments Euro payments SEPA CT standind orders e SEPA dd authorisation e Term deposits e Trade finance Basic functions passive e Current account balances with the possibility of aggrega tion e Transactions history e Statements of accounts kept with our bank with the pos sibility of exporting to the accounting system e Statements of accounts kept with other banks delivered through MT940 MT942 with the possibility of export ind to the accounting system BusinessNet Professional only PDF documents related to the customers accounts account statements etc e Cash Management function overview of closing balances on accounts kept with the Bank and of accounts kept with other banks with a possibility of aggregating the balances BusinessNet Professional only Possibility of according access to accounts held by multiple business entities to a single user utilising a single access profile and security calculator with a high level of user comfort Possibility of establishing structured signature authorisa tions including use of transaction limits at the account level Great flexibility in setting user rights at the account level e Possibility of creating payment order templates and da tabases of business partners and sharind them with other users Po
18. browser MS IE 6 x or 7x Mozilla 1 4 Firefox Opera Java Virtual Machine SUN from version 1 4 X 1 6 x Ukraine UKRSOTSBANK 61 62 Electronic B nking Systems Overview MULTICASH AND OR LOCAL ELECTRONIC B NKING SOLUTIONS OFFERED BY OUR BANKING GROUP S UNITS Country amp Unit Network Product Local y MultiCash MC EB Solution MC SIGN MC offered MC connectivity lineae Offered parallel Me 3 to MC distributed signature Austria UniCredit Bank Austria Yes Modem ISDN TCP IP Yes B sinessLin BusinessNet Bosnia amp Herzegovina UniCredit Bank D D No HALCOM e ba Plus Bulgaria UniCredit Bulbank Ves Modem TCP IP TeleBANK Bulbank Online Croatia Zagreba ka Banka Yes e zaba Internet banking Electronic B nking Systems Overview 63 Country amp Unit Network Product Local MultiCash MC EB Solution MC offered MC connectivity Serge SE distributed signature Czech Republic Ge ves Modem ISDN TCP IP ves ctrans 2000 Germany HVB eFIN UniCredit Bank AG Yes ISDN TCP IP Eai HVB global TRXnet UC eBanking prime Hungary Spectra UniCredit Bank Hungary Yes Modem ISDN TCP IP Ka SpectraNet SpectraNet Mobile Bankind Italy UniCredit Corporate Banking No TLO asi M Poland 24 Bank PEKAO Ves Modem E d Server S e Romania UniCredit Tiriac SA Ves Modem TCP IP Yes BusinessNet Russia ZAO
19. description e ba Plus can be accessed by our clients on a 24 7 basis This electronic banking solution enables corporate clients to execute their domestic and international payments immedi ately or with a forward date for execution e ba Plus provides customers with information on account balances and state ments The purchase sale and conversion of foreign currency are also possible The user interface is very user friendly and intuitive e ba Plus therefore needs little training and helpdesk support The dis tribution of new releases and patches is also very simple New versions of e ba Plus application are distributed directly to all customers 2 Customer profile e ba Plus is designed for resident and non resident corporate customers 3 Security The security system guarantees a maximum of safety protec tion and confidentiality Security is guaranteed with modern and sophisticated technol odies used in Internet banking worldwide PKI infrastructure e ba Plus provides e Verification of identity of each client Authentication of each client s identity using the reader personal card or USB stick and PIN Confirmation of client s authorisation Data protection from readind or alterind records durind transmission of payment orders from the client s desk to the Bank Privacy Disallows possibility of nedlectind payment orders already sent and received either from the client or Bank Vour benefits Internet banking
20. on the OTP de vices one time password called digipass offer a high level of security and confidentiality for the validation and the pro cessing of the transactions 6 Basic technical requirements e A computer with Internet access e Browser Internet Explorer 7 0 Mozilla Firefox 3 6 or other newer versions compatible with the SSL protocol with an 128 bits encryption key e A monitor with a minimum resolution of 800 x 600 pixels we recommend 1024 x 768 pixels 1 ERP Enterprise Resource Planning This allows the user to click and hold the mouse button down over an element drag it to another location and release the mouse button to drop the element there Russia ONLINE BANKING Online banking is a convenient and secure web based tool for managing a company s account via Internet 1 Product description Online banking system gives the customer the unique possibil ity of remote access to the system enabling accounts to be managed from any PC with Internet access at any time The main functions are Initiation of domestic and cross border payments including possibility of importing payments from the customer s ERPs Payment execution monitoring Account statements and intraday account statements in different formats 2 Customer profile This product suits perfectly for both domestic and interna tional corporate customers who are looking for a web based solution with possibility to have access to a bank
21. ordanisation to optimally use the internet for the financial needs It is designed to maximise efficiency and optimise the workflow in accordance with the requirements of companies across CEE BusinessNet follows a multi strategic approach and is de signed to be a Multi National and Multi Domestic product representing a e Cross Border Solution to cover the needs of Multinational Corporate Customers with single credentials for log in Single Log On e Domestic Solution which fully covers all country specific and domestic needs Access Companies can simply access all covered countries through UniCredit local homepages If users are authorised to use Busi nessNet for more than one country and or company they can easily switch between them with a single click Cash Management Functionalities in Focus BusinessNet is a flexible solution which is designed to satisfy needs of companies in all sizes Providing a range of cash man agement functionalities it effectively supports the dynamic development of enterprises and enables optimising service operation costs and settlements between trading partners e Financial Overview account statements transaction lists real time balances notifications e Payments and Collections all types of domestic and cross border instructions e File Transmission file import upload for bulk payments e Order Management efficient management of available financial orders
22. process used HVB globalTRXnet HVB globalTRXnet has been developed to process and ex pedite large domestic and international payment transfers swiftly and safely via the Internet In addition the customer can calculate balances by value date receive statements and advices of account as well as open and manage import letters of credit 1 Product description HVB globalTRXnet is an electronic banking solution which provides prompt account information with booking and value date balances Furthermore transferring funds which have been generated directly out of a customer s financial account ing system and also entering and transmitting domestic and international transfer orders is also possible 2 Customer profile HVB dlobalTRXnet provides electronic funds transfer and cash management for all types of companies via the Internet It is suitable for companies which wish to transfer large volumes of money both within Germany and from abroad 3 Security Maximum security is guaranteed through the use of the electronic signature with state of the art data encryption in accordance with ZKA standards The authorisation and the Germany release of payment transfers is effected via a chip card the SmartCard 4 Your benefits Cost effective and complete processing of payments assistance in reporting to the Central Bank Prompt account information with allows for highly trans parent account management Cash ma
23. release of money transfers are effected via chip card or data file USB With the support of the banking signature card Banken signaturkarte FinTS offers the highest possible level of security for online banking 4 Your benefits e Convenient to use simple installation and low mainte nance User friendly and easy to use for quick entry and efficient execution of daily payment transactions Broad but manageable programme for organising payment transactions e Multi bank compatible FinTS is supported by more than 2 000 German banks Overview over the financial status on the individually adjustable home page Up to date transactions interim transactions Transaction ticket management online approval of transaction tickets e Distributed electronic signature Fully SEPA ready Supports all relevant SEPA payment or ders SEPA credit transfer SEPA direct debit SEPA standing order etc in the respective current format e Import and export feature for facilitating data comparison with accounting programmes e Foreign payments in DTAZV format Urgent payments e Account overview for securities portfolios 5 Recommended technical requirements e PC Pentium class with Internet access or better e Microsoft Windows XP VISTA Windows 7 including cur rent service packs e Recommended min screen resolution of 1200x1024 pixels e Banking signature card and chip card reader or USB slot depending on the security
24. the accounting system Java enabled applet version MS Java or JDK 1 4 Other Adobe Acrobat Reader 6 0 or higher 54 Slovenia E BANK E Bank is a local electronic banking system developed by a Slovenian software company Although it is one of five local electronic banking systems it has a higher market penetration This product is offered by the Bank alongside MultiCash 1 Product description e E Bank is a Slovenian product developed by the software house Halcom Informatika d o o Ljubljana http www halcom si The system is client server based and the cus tomer needs a special client program to communicate with the bank server E Bank is very user friendly and en ables the transacting of domestic and international pay ments the receipt of an overview of the accounts daily transactions and statements exchanging messages and files with the bank using a secure channel and the build ing of very sophisticated data exchange interfaces with the company s accountind system The system also has a very dood archive of sent payment orders messades and files E Bank is a multi bankind sys tem and enables customers to manade accounts opened in all banks in Slovenia which support it E Bank permits stand alone installations all users use one PC under their individual user profiles or a network instal lation Users have their own client installations on their Own PCs but also other users can lod onto this installation und
25. the digital certificates at the Ministry of Information Society and is the only company with such authorisation e This type of security architecture permits users to man ade all accounts for which they have been authorised in all banks supporting E Bank with only one smart card A PIN Personal Identification Number a personal password secures the digital certificate on the smart card of the user User identification is carried out via the digital certificate locally on the client as well as on the bank server when sending or collecting data e The electronic signature keys comprise 1024 bit Every pay ment order message or file sent by the client to the Bank or vice versa is digitally signed by the private key of the user or bank The communication protocol used is similar to FTP In addition communication is secured by SSL encryption 3 Customer profile This product is suitable for all types of companies It is espe cially recommended for companies which hold accounts with different Serbian banks offering the same system E Bank perfectly meets the company requirements for a highly auto mated system for the smooth exchange of data with the Bank 4 Your benefits e Faster more efficient and cheaper execution of domestic and international payments e Lower administration costs in companies e Electronic payments i e paperless Connection to the company s information system e Lower bank fees Time saving Forward va
26. up the processing of your transactions 3 Money Savind the processind fees for the operations sent through this application are lower compared to those who charded for the paper based operations Help the help option is available in every menu of this application guiding you to the user s manual moreover we offer a telephone line with dedicated personnel which will assist you in issues regarding this application BusinessNet Basic packade offers A detailed overview on the accounts opened with our Bank through Viewing the accounts opened with the Bank and consult ing the processed transactions including the ones through cards attached to the respective accounts Viewing the term credits with all the related information credit limits outstanding balance approval date tenors and monthly interests applied Viewing the credit lines with all the related information approval date tenors credit limits outstanding balance the current accounts connected to the credit line as well as the interest estimations for the respective maturity date Viewing the term deposits accounts Viewing rejected transactions transaction which could not be processed for various reasons 45 46 Romania e Real time overview of the settlement process of cheques and promissory notes either to be collected or to be paid e Automatic releases of notifications regarding balance changes or the processing of the operations on accounts connect
27. with the Bank e Selecting the screen interface language Russian English Ukrainian Generating of a private password and digital signature key by the user without assistance Built in export import interface for payments in the na tional currency for the purpose of exchange with other ap plications Definition of the competence level for a specific transaction amount Recommended technical requirements IBM compatible personal computer OS Windows XP SP or Windows 2000 SP4 Internet browser MS IE 6 0 or 5 5 Adobe Acrobat Reader 7 J2SE Java Runtime Environment JRE v 1 3 X 1 5 X 60 Ukraine UKRSOTSBANK IBANK 2UA The iBank 2UA system intedrated front office banking sys tem is a PC based solution designed to provide electronic banking services The system was developed by the well known company BIFIT and is already used by more than 500 banks in Ukraine and Russia 1 Product description iBank 2UA is available in an online and offline version They are fully identical and support the same user interface direc tories types and forms of documents 2 Customer profile The product is suitable for both domestic and international corporate clients who are looking for an electronic solution to settle payments and to manage their accounts held with the Bank 3 Security iBank 2UA guarantees the highest level of safety e Electronic digital signature for electronic documents of the
28. 0 942 2 Customer profile BusinessNet products BusinessNet Basic and BusinessNet Professional are designed to satisfy the needs of all types of business and corporate clients i e business clients small and medium sized enterprises and large corporate clients 5 Security The pocket electronic safety key independent of the com puter is required for the login and authorisation of trans actions Possibility for multiple authorisation of payment orders using structured signature authorisations at the account level Flexibility in setting user rights at the account level Your benefits Possibility of accessing the system from anywhere without the need for a fixed software installation Possibility of unlimited collaboration and data sharing between the service users regardless of their geographic locations e g checking correcting signing of payments Online information on connected accounts Multi country single sign on allowing the user to use unique user ID and electronic security token across five countries CZ RO RS SI SK Advantages of this product Basic functions active transactions Uploading of domestic and foreign payment orders from a file created by the accounting system and convenient sub sequent processing of those payment orders 23 24 Czech Republic e Submission of domestic payment orders standard pay ments fast payments express payments collection requests transfers
29. 5 16 Bulgaria E CASH e Cash is a PC based software banking solution which of fers customers remote access and management of their bank accounts It enables them to receive account infor mation and to execute payment orders in local and foreign currency e Cash is a tool for use in e System administration The control of remote data transmission The control of security and data signature features 1 Product description e Cash was introduced as our newest banking solution in 2012 It is designed to provide our customers with the best experience and ease of use for their daily banking operations Using the latest software technologies e Cash was designed in a modern look and with a diverse set of functionalities It replaced the old local banking solution TeleBANK All data is encrypted by sophisticated algorithms and access is protected by a combination of username and password and a digital cer tificate issued by our bank e Cash provides customers with access to numerous bank products and services such as Opening closing and conversion of current accounts in BGN and foreign currencies as well as opening of deposit accounts in BGN and foreign currencies Money transfers in foreign currencies in favour of both local and foreign beneficiaries Money transfer in BGN via BISERA or RTGS system RINGS Request for an authorisation of direct debit Currency exchange transactions and arbitration including those at agree
30. Electronic Banking Services International Cash Management For Corporate Customers in Austria Bosnia amp Herzegovina Bulgaria Croatia Czech Republic Germany Hungary Italy Poland Romania Russia Serbia Slovakia Slovenia Turkey Ukraine August 2013 Life is full of ups and downs Welcome to We re there for both Cs UniCredit Contents Introduction Group Products MultiCash EuropeanGate BusinessNet in CEE Austria BusinessLine BusinessNet Bosnia amp Herzegovina HALCOM e ba Plus Bulgaria e Cash Bulbank Online Croatia e Zaba Internet banking ooun Li A 10 JI 13 13 14 16 16 18 20 20 Czech Republic BusinessNet Eltrans 2000 Germany HVB eFIN HVB globalTRXnet UC eBanking prime Hungary Spectra SpectraNet Italy UniWeb TLQ Corporate Banking Poland PekaoBIZNES Romania BusinessNet Russia Online banking Serbia E Bank BusinessNet Professional Slovakia BusinessNet Slovenia E Bank Turkey BANKO Ukraine iFOBS Ukraine Ukrsotsbank iBank 2UA 47 47 49 50 52 52 54 54 56 56 58 58 60 60 Electronic B anking Systems Overview EuropeanGate Overview 62 64 INTRODUCTION Technology has become a key factor critical to keeping a com petitive edde in today s business environment this also holds true for the services you expect from your banking partner The focus is here on
31. agement function overview of closing balances on accounts kept with the Bank and for accounts kept with other banks with a possibility of aggregating the balances BusinessNet Professional only Possibility of granting access to accounts held by multiple business entities to a single user utilising a single access profile and security calculator with a high level of user comfort Possibility of establishing structured signature authorisa tions including use of transaction limits at the account level Great flexibility in setting user rights at the account level Possibility of creating payment order templates and da tabases of business partners and sharing them with other users Wide range of options for customising the service favour ite pages designation of a preferred account etc Possibility of exchanging messages between the Bank and user Archiving of payment orders list of authorised signed transactions submitted to the Bank for processing Information on payment cards Information on securities and information about branch and ATM and exchange rates of the Bank Recommended technical requirements Operation system MS Windows 2000 XP Internet browser Microsoft Internet Explorer version 6 0 or higher Firefox 1 5 or higher Screen resolution 1024 x 768 font size normal Windows Slovakia 53 JavaScript enabled Session cookies enabled Java optional for greater convenience in uploading data from
32. ailable applications TLQ Corporate Banking offers several applications grouped by area of interest books which can be used by multiple opera tors of the local network Each book contains a set of applica 39 A0 Italy tions with different functions where users can operate on a case by case basis in data entry mode and or import and export slips in CBI format or on a proprietary path by means of parameter settinds Due to the CBI standard multi banking function customers us ind TLQ Corporate Banking have access to the following e Information organised around bank accounts including for eign accounts advance accounts and portfolio reporting query viewing and printing of balances and transactions of the user s own accounts e Collections collection orders pre authorised debit instruc tions payments against notice management of collec tions and control over the processing status outcome e Electronic alignment of pre authorised debit instructions file which allows the user to manade the relevant transac tions efficiently e Payments bank transfers to Italy or abroad money trans fers and fund transfers salaries collection of bills and receipted cheques electronic manadement of payment instruction slips e Payments of F24 forms for payment of taxes social secu rity etc e Free flows management of information provided by the Banks to the company The Bank s POS reporting is also available e Receipt
33. an overview of the accounts daily transactions and statements Moreover it allows the exchande of messades and files with the Bank usind a secure channel as well as the designing of very sophisticated data exchange interfaces with the company s accounting sys tem The system also has a very good archiving function for sent payment orders messages and files HALCOM is a multi bankind system and enables the manadement of accounts opened in all banks in Bosnia amp Herzegovina which use the same electronic banking system HALCOM permits stand alone installations all users use one PC under their user profile or a network installation users each have their own client installation on their PC s but other users can also log in under their profile HALCOM uses MS Access database for stand alone installation and IBM DB for network installation Communication between the company and the Bank is possi ble throudh Internet or telephone lines direct access to banks access point The user interface is very user friendly and intuitive HALCOM therefore needs little training and helpdesk support The dis tribution of new releases and patches is also very simple Us ers can download new releases from the bank server and the Bank can distribute small patches directly to all customers 2 Security The security of HALCOM is based on the Public Key Infrastruc ture PKI Users of the HALCOM system each have to log in with their individual di
34. anking prime SERVER e Windows XP Professional Vista Windows 7 Windows 8 Windows 2003 2008 2008 R2 Server e minimum 2 GHz Processor 2 or more Cores are recom mended Main memory e minimum 2 GB free RAM 32Bit Installation minimum 3 GB free RAM 64Bit Installation minimum 5 GB free hard drive space depends upon the respective customer demands amp needs NTFS file system for the database installation Free hard drive space for user data depends upon the re spective customer demands amp needs e Oracle Java Runtime Enviroment JRE Java SE 7u13 e CD ROM DVD drive for installation USB Stick for the storing of the user keys As an alternative hard drive network or disk drive An internet connection for the communication throudh EBICS MBS e LAN Access for the connection of the work stations to the server UC eBanking prime WORK STATIONS No separate installation of UC eBankind prime is required e Windows XP Professional Vista Windows 7 Windows 8 Windows 2003 2008 2008 R2 Server e minimum 512 MB RAM e Oracle Java Runtime Enviroment RE e Java SE 7U13 or Java SE 6 Update 39 e USB Stick for the storing of the user keys As an alternative hard drive network or disk drive e For Smartcard use Card Reader with included ZKA Sig Api Support e LAN Access for the connection of the work stations to the server Germany e Webbrowser Java Script must be active e Microsoft Intern
35. anking system on the Polish market in terms of functionality and the number of clients It is therefore the most commonly used and inno vative Internet banking system in Poland PekaoBIZNES is the first corporate transaction banking system in Europe with biometric fingerprint authorisation Pekao is a bank leader in systems intedration in Poland based on the widest direct connection offer for clients on the Polish market and cooperation with the dreatest number of 40 top providers of over 50 ERP financial accounting systems which are compatible with PekaoBIZNES platform Romania BUSINESSNET BusinessNet is a web application provided by UniCredit Tiriac Bank to its business and corporate customers which allows the processing of banking operations as well as bank reporting via any computer connected to Internet 1 Product description BusinessNet is a modern web based application accessible 24 7 presented to our customers in two different versions e BusinessNet Basic small volumes of transactions e BusinessNet Professional large volumes of transactions features interfacing with ERP systems 2 Advantages of using BusinessNet e Mobility BusinessNet can be accessed from any location where there is an Internet connection Flexibility the application does not require any prior instal lation and is available 24 hours a day seven days a week e Time saving you avoid daily trips to the Bank s branches and speed
36. ards e Conversion of DTAUS files during the upload process BAN and BIC converter e Support for SEPA version 2 7 from 4 November 2013 SEPA mandate management e Fully integrated entry and management of SEPA mandates Collated digital storage of scanned signed mandate letters e Import mandates from transaction files Using DTAUS or SEPA or CSV e Export mandates to create a mail merge and print forms e Comprehensive administrative options as regards status due date etc e Transfer of mandate details to debit memos even when altered e Mandate history of modified data SEPA payments Manual registration of SEPA transfers standard and pre ferred as well as urgent XML and SEPA direct debits B2C B2B COR1 Target calendar for periodic payment orders AWV reports AWV report management for Z4 Z8 and Z10 reports Creation of AWV reports from payments 5 Recommended technical requirements For the operation of UC eBanking prime both for the server as well as for the individual workstations that access the server there are certain minimum technical specifications required The following system specifications specify the minimum re quirements for the normal and average use of the software Depending on the intensity and type of use certain elements may need to be improved on a case by case basis For the installation or update and migration it is necessary to have the appropriate administration permissions as before UC eB
37. ass throudh firewall in failover configuration is used as primary protection of the Bank s IT system Proxy firewall in failover configuration divides security infrastructure from the internal network Authentication systems Web proxy is the central part of security infrastructure which provides session break enforcing security policy and creation of single web space It also enables load balancing and high availability for all web servers in the web space Different levels of security are in use e SSL over X 509 protection for e zaba application and cer tificates on SSCD e HTTP public web server Durind SSL handshake encryption with 128 bit symmetric key the web proxy checks Certificate expiry date Certificate publisher Certificate Authority the Bank is Certificate Authority Validity of user s key pair public private e Certificate Revocation List CRL As additional protection of data integrity digital signature is used Digital signing of HTML forms and files as well as valida tion checking of digital signature is performed through use of software suite Every transaction is digitally signed with pri vate key resides on SSCD and digital signature is validated on the server side Management systems Based on PKI Public Key Infrastructure using digital certifi cates 1024 bit on SSCD The registration process takes place on customer s side to provide non repudiation The enrollment proces
38. bank ind e Fast and efficient service excellent computing power and system s capacity nearly 10 different types of transactions processed every second 220 ths payment orders executed daily e excellent data matching and quick system response e Maximal security of transactions data and information e Easy integration with ERP financial accounting systems e Attractive graphic design ensuring balance between user s perception capacity and the messade contents e Fast assimilation of knowledge how to use basic and ad vanced system functions which allows companies to save time reduce costs and quickly benefit from the implemen tation of the system 6 Recommended technical requirements PekaoBIZNES is a fully browser based solution with mod erate hardware and software requirements The following software is recommended to ensure correct operation of the system Windows XP with a web browser Firefox 6 X or higher e Chrome e Internet Explorer 8 0 Opera 11 X e Windows Vista Windows 7 with a web browser Firefox 6 X or hidher nternet Explorer 8 0 i 9 0 Opera 11 X e Linux with a web browser e Firefox 6 X Opera 11 X e Mac OS X starting from 10 6 x version with a web browser e Firefox 18 X Opera 12 X e Safari 5 X The web browser should not be run in the quirks mode The system is designed to support 1280x1024 or higher reso lution 7 Market position PekaoBIZNES is the most advanced internet b
39. c ture PKI All users of the E Bank system have to log in with their own digital certificates which are stored on a smart card or USB stick Halcom CA the Certificate Authority es tablished by Halcom Informatika d o o issues the digital certificates and the electronic signature keys All banks of fering E Bank are sub contractors of Halcom CA A Smart Trust system is used to generate digital certificates and electronic signature keys Halcom CA is the only company authorised to issue digital certificates it is registered at the Ministry of Information Society This type of security architecture permits users to manage all accounts for which they have authorisation in all banks supporting E Bank with only one smart card A PIN Person al Identification Number a personal password secures the digital certificate on the smart card of the user User identification is carried out via the digital certificate locally on the client s as well as on the bank s server when data is sent or collected e The electronic signature keys comprise 1024 bit All payment orders messages or files which are sent by the client to the bank or vice versa are digitally signed by the private keys or bank The communication protocol used is similar to FTP Moreover the communication is secured through SSL en cryption 4 Your benefits e Faster more efficient and cheaper execution of domestic and international payments Lower administration c
40. can also lod on to this installation under their individual profiles Stand alone installations are based on MS Access database network in stallations on IBM DB2 Communication between the company and the Bank is possible either via Internet TCP IP or telephone lines analogue or ISDN The user interface is very user friendly and very intuitive E Bank therefore needs little training and helpdesk support The distribution of new releases and patches is also very simple the user can download new releases from the bank server and the bank can distribute small patches directly to all customers A special browser based application is available on the Bank s Internet site for the purpose of remote signature This additional application allows to review balances and turnovers on accounts to be viewed and payments created in the Hal E Bank client application to be signed remotely 49 50 Serbia 2 Security The security of E Bank is built on the Public Key Infrastruc ture PKI Users of the E Bank system each have to log in with their digital certificates which are stored on a smart card Halcom CA the Certificate Authority established by Halcom Informatika d o o issues the digital certificates and the electronic sidnature keys All banks offerind E Bank are sub contractors of Halcom CA A Smart Trust system is used to generate digital certificates and elec tronic signature keys Halcom CA is registered as an au thorised issuer of
41. confirmations by the Bank for all collection and payment orders EuropeanGate active connection access Access to real time services takes place through dedicated ap plications included in the On line Book These services allow the user to carry out the followind operations with the Bank e Information on bank account transactions and balances e Detailed information on received and issued bank transfers e Domestic Bank transfer orders e DocOnLine Online Document Management This is an exclusive product that allows the user to receive and electronically manage banking documentation from the Bank credit and debit slips bank statements and summary reports thus replacing receipt of paper based documents DocOnLine enables the user to simplify and optimise corpo rate procedures and processes for managing banking commu nications TLQ Corporate Banking also offers customers a number of high value added exclusive applications aimed at optimising the company s financial management and the relationship with the Bank Automatic export of flows automatically exports flows received from the bank s computer system and sends to the company s applications Automatic acquisition of flows automatically acquires flows from the company s ERP system This is the recom mended solution for companies with larde volumes of transactions to be sent in armoured mode e Check up Service utility that checks the installation integ rity of TLQ
42. d exchange rates Exchange of free text messages with a function which per mits files attachments Advice of cash withdrawal of large amounts of money at the counters of the Bank The system contains detailed information about Current balances of bank accounts available balances Account transactions full details of domestic and cross border payments Updated currency exchange rates and currency rates history Full list of our bank branches operating in the country Saving your partners information for fast data input when creating payment orders as well as creating templates List of all accounts of a customer subscribed to e Cash The client application is available in the Bulgarian language In addition e Cash supports the export of electronic statements which can be imported directly into the customers ERP sys tems Dedicated help desk professionals provide support with any issue a detailed manual describes all the features and menu options 2 Customer profile This product is especially useful for medium sized and large companies wishing to manage all their accounts via one single point and define multiple levels of data control It is up to the company to define the number of users which are allowed to work with e Cash and their respective rights which include a set of accessible accounts the right to create payment orders the right to confirm payment orders up to certain limits and reading of account information
43. d on a stand alone PC Security The use of digital signature and system certification en sures a hidhly secure authorisation environment A bank parameter disk containing the user information together with the user s electronic signature is required for signing A password is used in combination with the aforementioned for the execution of payments The MultiCash system enables various categories of user restriction to be set up When starting the program a spe cific user profile determines the type of program module that the user is permitted to work with More restrictions are possible within the program module Additional author isation features are configured in the bank system This in formation is specified per user depending on his electronic signature type The program uses the remote data transmission program MCFT MultiCash Filetransfer which includes data com pression high level encryption and EBICS via Internet TCP IP which is secured by server certificates and elec tronic signature Enhanced transmission security is assured through certified digital keys providing start and end ex amination Data transmission is carried out via modem modem or via TCP IP Transmission Control Protocol In ternet Protocol The following factors ensure a fully secured communica tion system e Confidentiality Data encryption is the basis of a secure communication system a key is generated through a mathematical algo
44. e submitted through one single point of entry using an existing e banking channel These are then forwarded on behalf of the customer to the executing local bank The following formats are supported e National payment formats of the account holding bank e SWIFT MT101 e SWIFT MT104 e XML ISO 20022 Wherever necessary EuropeanGate will convert the last five aforementioned formats into the target location payment for mat Advantages at a glance All accounts held within the UniCredit are accessible through one gateway e SWIFT MT101 SWIFT MT104 and XML are automatically converted into the relevant national payment format e Continued use of existing e banking channel e Continued use of existing payment templates in the relevant payment format provided by MultiCash SAP Baan etc e Cut off times correspond closely to local times recommen dation at least one hour earlier e One contract for all countries involved e Customer information and support via one single point of contact for all EuropeanGate locations 1 depending on the e banking software in use The EuropeanGate Concept Customer ONE ACCESS ONE Format ONE Process ONE communication channel to UniCredit FuropeanGale uso A Solution from UniCredit Conversion e Re routing Network of UniCredit BUSINESSNET IN CEE BusinessNet the innovative eBanking solution of UniCredit is an individual work and information plat form that enables your
45. e control of activity in the system through the use of session keys system logs register of all system users and activity Poland Access to the platform Security of logging biometric technology fingerprints and digital signature on the processor card When the fingerprint from the per son and the fingerprint template stored in the chip dur ing the card activation match then the identity of the cardholder has been verified Match on Card technology together with the cryptographic mechanisms offer in creased security and preserve the user s privacy e individual identifier and masked password using of traditional computer keyboard as well as virtual screen keyboard e automatic account blocking in case of repeated wrong data during logging e access from determined IP addresses control of hours days period of access e automatic log off in case of inactive user over a defined timeframe Security of access to data and functionalities e precise definition of user rights concerning either each function of the system or access to some specific data accounts preview change Super user with special privileges to manage rights of other company s users without any contact with the Bank Authorisation e of transmitted orders e possibility to configure multi level multi personal ac ceptance schemes with amount time and currency lim its reflecting competences in a company the system constantly control
46. ed to application Allows you to process current account operations Domestic payments intra or inter banking state treasury Foreign currency payments national as well as cross border Foreign exchange transactions e nter account transfers Creating and cancelling term deposits Facilitates the documentary business Submit issuance orders or amendments for bank guaran tees Submit opening orders or amendments to letters of credit Submit orders for collection of commercial and financial documents Facilitates the processing of banking operations e Possibility of saving beneficiaries related information in order to efficiently fulfil future payments e Saving templates for domestic payments and foreign cur rency payments leading to a more efficient use in the future Predefined forms for payments directed to specified utility suppliers Saving templates or orders for bank guarantees letters of credit and collections e Debt reimbursements relating to credit cards e Programming the payment orders for automatic future pro cessing by the Bank e Authorisation mandates for direct debit payments to differ ent utility suppliers beneficiaries Personalising the application through The option of setting any signature structure for the ap proval of operations processind Allows you multi bank and multi company access with his User ID and didipass the user can access the current accounts opened at various ba
47. en be linked up with the company s ERP System Communications with and data transfer to banks use the secure web based EBICS transfer process which is standard throughout Germany 2 Customer profile This product is particularly useful for companies with inter national operations which wish to manage all their accounts with one software system via one sindle point easy set up within the Local network of the customer with a clear client server architecture and a central data basis 3 Security With UC eBanking prime all your data remains where only you have direct access to it in your company Based on this home environment we design your individual solution to offer opti mum security coupled with operational convenience Unlike portal solutions your data and the application are stored on your own systems e n line with this concept all information and objects are held in UC eBanking prime i e all payment transaction data and all bank account information are stored on your local database rather than on the bank s systems Company internal communications take place over the Intranet and can be encrypted if desired e As regards access authorisation hierarchies we can adapt the program to your company s system for assigning responsibilities as well as to your individual security re quirements All communications with the bank are encrypted in accord ance with the latest security standards e If desired you can add
48. er accounts is available on a 24 7 basis This internet banking solution has a broad range of financial and non financiral func tionalities enabling corporate customers to execute domestic and international payments and forex transactions Further more e zaba provides customers with up to date account in formation quarterly interest rate reports reports for Point of Sale monthly reports on account balances and activities 2 Customer profile e zaba is designed for resident and non resident corporate customers It is suitable for all types of business clients from large corporates to mid size and small enterprises as well as for the craftsmen With e zaba corporate customers can pro cess their transactions comfortably quickly and effectively e zaba can be used on all available PC platforms because it supports Windows MAC and LINUX operating systems 3 Security The security systems through protection technology are im plemented to guarantee the following User authentication e at logon which includes user ID verification identity checking and user authorities verification user authori sation and e at digital signature validation checking Data protection during transmission to and from the Bank Data intedrity User privacy e Non repudiation The configuration of security infrastructure can be divided into the following functional parts Firewall and intrusion detection systems Two types of firewalls are used P
49. er 5 5 or hidher Other important components are included in the installa tion packade of the application 26 Germany HVB EFIN HVB eFIN is an electronic banking software solution from HypoVereinsbank based on the German FinTS standards Financial Transaction Services and multi bank compat ible Clear design and uncomplicated operation ensure that payment order administration is clearly presented With HVB eFIN customers can process their business trans actions comfortably and quickly 1 Product description HVB eFIN is a user friendly electronic banking software solu tion which is simple to install and requires minimal mainte nance It has a broad functional rande enablind the customer to process domestic and international payments including SEPA and to access up to date account information 2 Customer profile HVB eFIN is suitable for business and corporate customers who want to process daily payment transactions for their German based business accounts simply and cost efficiently 3 Security HVB eFIN uses a high security process based on FinTS technol ogy standards and the electronic signature FinTS is a common online banking standard developed by the German Banking Industry Deutsche Kreditwirtschaft former ZKA which defines the data transfer between the banking software and the bank The standard uses modern cryptographic secu rity algorithms to effectively protect against hacker attacks Authorisation and
50. er their profiles E Bank uses MS Access database in a stand alone installation and IBM DB2 in a network instal lation The communication between the company and the Bank is possible via Internet TCP IP or telephone lines analogue or ISDN E Bank allows also a direct business to bank connection B2B E Bank where the data exchanded between the bank and the company and between the company accounting system and E Bank is completely automated and almost in real time The user interface is very user friendly and intuitive E Bank therefore needs little training and helpdesk sup port The distribution of new releases and patches is also very simple Users can download new releases from the bank server and the bank can send small patches directly to all clients Distributed remote electronic signature and usind XML forms is also possible The system also offers ICM International Cash Manade ment module which allows the customer to send MT101 messages via E Bank into EuropeanGate or SWIFT 2 Customer profile This product is suitable for all types of companies It is es pecially recommended for companies which hold accounts with different Slovenian banks With some modifications the system can also be used to manage accounts opened in BiH E Bank meets companies requirements for a highly automat ed system for the smooth exchange of data with the bank 3 Security The security of E Bank is built on the Public Key Infrastru
51. et Explorer 8 on XP with restrictions Microsoft Internet Explorer 9 on VISTA and Windows 7 e Microsoft Internet Explorer 10 on Windows 8 Mozilla Firefox 18 0 2 17 0 2esr Google Chrome v24 0 1312 57 m 1 German foreign trade regulations AuBenwirtschaftsverordnung Restrictions for Microsoft Internet Explorer 8 Microsoft Internet Explorer 8 is not anymore state of the art therefore it may support some components used within UC eBanking prime e g JavaScript CSS only insufficient That may cause variations in design and reduced processing times especially in combi nation with aged weak hardware components 30 Hungary SPECTRA The Spectra electronic banking software provides an easy to use electronic interface for the corporate customers of the Bank It enables customers to obtain information on their accounts and send orders to the Bank using a PC with modem via a simple phone line This product is offered by the Bank along with MultiCash 1 Product description With the assistance of an installed Spectra client program the customer can take care of his banking needs any time via his computer without having to go to the branch office in person Spectra is available in Hungarian English or German language and enables the customer to make his payment transfers as well as request real time information on his account balances and movements The application provides a possibility for automated interfacing wit
52. f the contract and its limits powers and privileges of signatories and users that use UniWeb with where necessary a maximum level of detail for the account function powers of signature relation ship UniWeb 2 0 Plus In addition to the functionality included in version 2 0 Uni Web 2 0 Plus contains functionality and enhancements that are aimed at more sophisticated users including an advanced version of cash management a set of financial functions and services designed specifically for companies that transact with foreign parties an improved administration section with the option to define powers and privileges and other utilities that optimise the management and use of the application i e scheduler the ability to make transactions and files not edit able within the application e Foreign Exchange Trading The customer can directly access the Exchange rate negotiation procedure for Foreign Exchange Spot dealing buying and selling of currencies against the Euro and arbitrage between two non Euro cur rencies e Credoc Import Opening and management of issue and modification requests e SWIFT MT101 Payments to foreign banks e SWIFT MT940 Reception and integrated management of statement feeds from foreign banks e EuropeanGate Allows the customer to send payment feeds to all the foreign banks of the UniCredit Group through a single access point and using a single CBI format the con version and verification of feeds
53. ficate installed on the client computer and issued to each defined user by the Bank A public key is saved on the central system server Bulgaria No copy of the private key is kept in the Bank In the case of revocation loss or theft of ID the public key is transferred to a deny list A new certificate is generated Integrity amp authenticity These requirements are met by using firewalls guaran teeing data integrity and electronic certificate ensuring authenticity The data is encrypted by the customer cer tificate and the communication channel is encrypted by a session key Non repudiation This is achieved by using Microsoft RSA certificates Our bank applies e Cash digital certificates issued by the Bank In addition the following security components are available Each user is required to change his her password every 60 days The application logs and the database is encrypted and kept on the customer s server The customer is provided a way to extract the logs in encrypted files for future troubleshooting by the Bank s specialists Various checks involving transaction numbers and key composition Online acknowledgement between client server systems and firewall systems Audit trail and lod file communication to ensure proper future investigation 5 Your benefits Independence of bank opening hours Liquidity control through display of account turnovers and balances Assistance in payment transactio
54. gital certificates which are stored on smart cards USB sticks Halcom CA the Certificate Authority established by Halcom Informatika d o o issues the digital certificates and the electronic signature keys All banks of fering HALCOM are sub contractors of Halcom CA A Smart 13 14 Bosnia amp Herzedovina Trust system is used to generate the digital certificates and the electronic signature keys Halcom CA is the only company authorisation to issue digital certificates it is registered with the Ministry of Information Society Such security architecture permits users to manage all accounts for which they have authorisation at all banks sup porting HALCOM with only one smart card USB stick A PIN Personal Identification Number a personal password secures the digital certificate on the smart cards USB sticks of the user User identification is done via digital certificate locally on the customer and bank servers if data is sent or collected The electronic signature keys comprise 1024 bit All payment orders messages or files sent by the customer to the Bank or vice versa are digitally signed by the private key of the re spective user or bank The communication protocol used is similar to FTP Moreover communication is secured throudh SSL encryption 3 Customer profile This product is suitable for larde and medium sized compa nies It is particularly recommended for companies which hold accounts with different Bo
55. h a company s accounting system whereby high volumes of orders can be imported respectively exported 2 Major services provided by the system Submitting orders e HUF and FX transfers Qirect debit orders e postal cash payment orders e batch transfers and direct debit e creating and cancelling deposits Query options current account balance e account statement with possibility of downloading even in certified PDF format e account history dated back to the opening of the account exchange rates and interest conditions Other operations e cash delivery orders e announcing cash withdrawals e ordering the issue of coverage confirmation or bank infor mation e retrieving loan information HUF FX Sending free format letters orders can be send to the bank in an unstructured format 3 Customer profile The product has been offered to corporate clients to support them in handling the special features of the Hungarian finan cial market The product is therefore specifically suited to the requirements of the Bank s corporate customers Along with the Spectra client program a simpler program with reduced functionality named Spectra Lidht is available for small enterprises and private customers 4 Your benefits Real time enquiries Simple method in respect of user rights which covers the different authorisation schemes of corporate customers point system Multi site support post box to suppo
56. heir leasing contracts concluded with Pekao Leasing Bank Pekao s subsidiary monitor repayment schedules and invoice status es as well as execute easy one click payments 2 Customer profile PekaoBIZNES system is designed to satisfy specific needs of corporate clients larde enterprises and corporations as well as municipal units The system effectively supports the dynamic development of companies and enables to optimise service operation costs and settlements between trading partners 3 Your benefits Online coordination PekaoBIZNES allows you to coordinate all financial trans actions via internet It also ensures e current information about balances on accounts current deposit credit and business cards e fast information about the statuses of transactions sent Fastest settlements PekaoBIZNES is an attractive platform for settlements with your business partners You gain ability to perform online settlements between companies that hold an account with Bank Pekao e attractively short time of the processing of transactions with the partners who hold accounts with other banks Guarantee of security PekaoBIZNES is provided with the most modern solutions on the market that ensure security to your data and transactions see more Security chapter Convenient co operation Thanks to the PekaoBIZNES platform you gain ability to individually choose the type and frequency of any notices and infor
57. ic banking system developed by HAL COM a Slovenian software company E Bank is also well represented in Slovenia Bosnia amp Her zegovina as well as in Serbia Eight banks in Serbia use this electronic banking system 1 Product description E BankisaSlovenianproduct developedbythesoftwarehouse Halcom Informatika d o o Ljubljana http www halcom si The basic system is client server based and the cus tomer needs a special client program to communicate with the bank server In addition to the basic system there is a special browser based application which is used for the remote signature of payments prepared and sent to the server on the Hal E Bank client application E Bank is very user friendly and enables the transacting of domestic and international payments the receipt of an account overview daily entries and statements exchanging messages and files with the Bank using a secure channel and the build ing of very sophisticated data exchange interfaces with the companies accounting system The system also has a very good archive of sent payment orders messages and files E Bank is a multi banking system which can be used to manage all accounts opened in banks in Serbia using the same electronic banking system E Bank permits both stand alone installation all users work on one PC under their individual user profile as well as network installation each user has his own client instal lation on his PC other users however
58. ificates issued by our bank and dedicated for use only with Bulbank Online Also a SMS password can be requested upon log in and SMS notifications can be sent at execution of outgoing payments and received incoming transfers Apart from secure access to Bulbank Online the information architecture on which the system is based is also secured in accordance with the best world prac tices Payment orders are signed by the customer by means of digital certificates the validity of which is checked by Bulbank upon receipt for execution The following features are implemented in Bulbank Online to ensure a fully secured communication system Confidentiality At registration the customer defines the account numbers to be subscribed and the access ridhts It is possible to allocate ridhts to additional users proxies to be set up with a predefined level of access either with respect to information available balances movements payment or ders or payment rights relating to specific accounts Our bank offers its corporate customers the ability to use multi sidnature combinations for payment orders as well as a variety of authorisation rights for payment orders from cer tain accounts or for certain amounts Non repudiation This is achieved by the use of a personal user name and password Payment orders can only be authorised if the User holds a personal digital certificate Accuracy amp speed Accuracy and speed are achieved throudh tra
59. ing service from any office via Internet access Your benefits User friendly bilingual interface Security e Login and PIN Personal Identification Number the personal password e Personal digital signature for each signatory e End to end security SSL e Customisable user access levels e Additional security tools IP MAC address list single time passwords etc Advantages of this product Time saving independence from bank opening hours Remote access via Internet No software installation required Compatibility with customers ERPs facilitating operational work Flexible funds management free format messages High level of security Possibility to use the third VISA signature to control and authorize all domestic payments generated and signed by subsidiaries statements orders 47 48 Russia 5 Recommended technical requirements Windows 95 98 ME NT2000 XP Internet Explorer 5 5 or hidher 6 Technical support The e banking support team of the Bank will dive the custom er individual support by usind specific software which evalu ates the Bank s and the customer s result 7 Market position As Online banking is easy to implement and to handle it has been well received by the Bank s customers currently 9 500 users and holds a strong position among the various electron ic banking software packages available in this market sector Serbia E BANK E Bank is an electron
60. is available 24 7 Operating transactions with client s desk Placind payment orders with the value date set forward is possible Option of arranging different authorisations for each user Lowest fees for transactions and for domestic and foreign payments ALL the options offered by Internet bankind makes business simple swift and efficient UniCredit Bank d d and the specialised firm which is under contract have set up a Help Desk service which is tasked with solving all problems and providing information to the Users Advantades of this product Domestic payment orders single orders and file upload Foreign payment orders Payment orders can be made in advance or on a chosen execution date Information on account balances and turnovers Information on orders archives The client can arrange different authorisations for employees Stored templates for creating orders Receipt of account statements Conversions Import of domestic order payments through Offline application Overview of the costs and approved limits through the BC MC card Saves on time and travel expenses Information about loans documentary business EFT POS transactions and business cards Recommended technical requirements Internet browser MS Internet Explorer 6 0 7 0 8 0 Mozilla Firefox Pentium class CPU recommended RAM of 64 MB free hard disk space of 10 MB CD ROM drive USB port Operating system Windows 2000 XP VISTA Win 7 Bosnia amp Herzegovina 41
61. lued payments Available helpdesk support Clear review of transaction history Simple upgrading download of new software release 5 Advantades of this product e Communication with some of eight Serbian banks e Very user friendly e Time saving independence of bank opening hours Payment orders are strictly governed by the rules of the National Bank of Serbia e Interfaces with other programs facilitate operational work Helpdesk 6 Recommended technical requirements e Windows 98 ME NT2000 XP e At least 30 MB free fixed disc storage e Atleast Pentium 200 MHz with 32 MB RAM e Free COM port or USB port for smart card reader e Modem or access to Internet 7 Market position E Bank is one of three electronic bankind systems currently offered in Serbia BUSINESSNET PROFESSIONAL BusinessNet Professional is an Internet banking service designed to satisfy the sophisticated needs of corporate customers To manade corporate customers accounts usind BusinessNet Professional all the customer needs is access to Internet an Internet browser and an electronic security token independent of the computer 1 Product description The browser based online Internet bankind system offers con venient and secure access to bankind services BusinessNet Professional is an Internet bankind solu tion specially developed for corporate clients with specific needs in the area of Cash Management e d receipt display and export of
62. ly Limits No Yes No Yes No Setting of default client Yes Yes No Setting of default account linked to different order types yes is NO Giving name to accounts No Yes No Yes Yes Export import function payment packages templates statements Yes Yes No Yes reports data changing with ERP systems Management of the accounts of multiple account holders with a single User ID Yes Yes Yes Network function Yes No Yes No Yes Spectra Spectra Lidht SpectraNET Plus SpectraNET Light MultiCash Installation and support on the spot Yes No No Yes Multi Client function managing of different accounts of different account holder by using Yes Yes Yes one client program Multi Site function different modules of the client program can be installed on H Y Yes different places abroad too by using the ii same signing authorisation and codes too Viewing logs Yes Yes Yes Help Yes Yes Yes Hungarian English and German Yes Ves Ves language versions 36 Italy UNIWEB UniWeb is an electronic banking system available directly on the Internet www unibanking it offered by the Bank to its corporate customers 1 Product description UniWeb ensures functional and operational flexibility by of fering a whole range of separate but integrated services in a multi company and multi bank context It brings together and offers both the CBI range of standard features and the
63. managing banking transactions Credit Card Reporting The ability to view data relating to cor porate credit card transactions for card issued by UniCredit e Car Certicates Opportunities for car dealers to pay and or finance digital car certificates for Parent Companies that have estabilished an agreement with UniCredit Monitoring Possibility to have a complete and integrated view of all transactions pending authorisation The CBI service offers the customer the CBI component that allows the customer to work with all subscriber banks Within the framework of the CBI functions defined by the CBI Consortium this solution includes an initial product set aimed at offering high value to customers The key services offered relate to the following specific areas e Information Query display and print account balances and transaction relating to Current Accounts Prepayment Accounts and Portfolio Reporting Collections Collection Management and its related results Ri ba collection order R I D pre authorised debit instruc tion M Av payments against notice R LD electronic archive alignment Allows the transactions in question to be manaded fully and efficiently Payments Electronic Management of specific transfer of payment instruction slips relatind to Bank transfers with in Italy and abroad account transfers and funds clearind salaries payment of bills and receipted cheques e SEPA Credit Transfers and SEPA Direct
64. mation received e personalised and direct way of communication with profes sional Relationship Managers dedicated to take care of your company e PekaoBIZNES HotLine a team of experts who provide assistance by phone or via electronic mail Any questions connected with the handling of the system filling out of forms or activating of new functions are answered by our specialists Efficient and simple handling You can use the system quickly and efficiently thanks to functions that are easily accessible and arranged in an in tuitive way e personalised users desktop with the most used informa tion and products a system of help which always prompts what to do and explains all functions in a comprehensible way auxiliary data bases that streamline work and guarantee easy access to required information and the possibility to create customised reports and templates Modern solutions PekaoBIZNES is able to fit in with the procedures of your company and the processes that take place in it perfectly well That is possible thanks to e integration with the company s financial accountind system flexible schemes of acceptance for payments and applica tions Options of determining in detail the scope of ridhts for indi vidual employees easy access to banking products without the necessity to Use several systems at the same time Full Integration PekaoBIZNES ensures compatibility of data exchange for mat
65. ments The following technical requirements have to be met when using the SpectraNet system Operating system e MS Windows 95 95 NT ME 2000 XP Windows 7 Windows 8 Linux e Internet Explorer e MS Internet Explorer 7 00 or higher Mozilla Firefox 3 5 or higher Opera 9 or higher e Google Chrome 7 or higher Safari 5 or higher Adobe Flash Player 9 0 28 or higher e Internet connection Hardware a computer which meets the system require ments of the chosen operatind system and of Internet Ex plorer SpectraNet Mobile Banking With the assistance of a smart phone or any mobile device having internet access a customer can easily reach the SpectraNet Mobile Banking services There is no need for a notebook or PC anymore Regarding functionality SpectraNet Mobile Banking is identi cal with the SpectraNet internet banking facility optimised for mobile tools SpectraNet Mobile Banking enables the customer to approve payment transactions from anywhere in the world at any time MultiCash The well known PC based software MultiCash is offered by several banks in Hungary with a special Hungarian payment module It is available in Hungarian English and German lan Guage and provides customers who have several bank con nections with the possibility to manage their accounts held at various banks with the same system For detailed Hungarian functionalities please see the list on the next page
66. modules for making domestic and foreign payments and for cash management Furthermore there is the pos sibilty to use moduls to generate unified formats MT101 SEPA It serves as a tool for e System administration user level languages etc The control of remote data transmission The control of security and data signature features Group Products 1 Customer profile This product is particularly useful for companies with inter national operations which wish to manage all their accounts using a single software system via one single point from the respective dial in point all requests are distributed to the relevant recipient countries 2 Product description The main functions of MultiCash are included in the following application modules Domestic Payment Module This module supports the fast and cost effective execu tion of domestic payments Individual country modules are available for generating payment orders in the standards applicable in the respective country We offer modules for Austria Bosnia amp Herzegovina Bul garia Croatia the Czech Republic Germany Hungary Italy Poland Romania Serbia Slovakia and Slovenia all of which are customised in line with the local standards The modules are available in German English or the respec tive local language The system supports the export of user defined electronic statements field s delimiters can be freely defined and provides your systems with
67. mp controls BANKO only oper ates on the defined computers of the clients Data file controls CRC check and data encryption Client user password for entry with different authorisation levels per user and per modules SFTP for file transfers Digital signature compatible Turkey 4 Your benefits 6 Independence from bank opening hours Liquidity control through display of account balances turn over per value date and drawing possibilities Assistance in payment transactions and cash management on a domestic basis High level of security through data encryption Use of digital signature Data transmission via SFTP Recommended technical requirements BANKO runs on individual workstations network installa tions from CD ROM Windows 95 98 Me NT 2000 XP at minimum Pentium Celeron 600 or Pentium II 400 processor at mini mum 32 MB RAM and 150 MB free disc space at minimum Market position As of today more than 1 100 corporate clients use BANKO for their bulk local payments With a monthly transaction vol ume of more than 550 000 around 65 96 of the money trans fers of corporate clients are executed via BANKO S7 58 Ukraine IFOBS The client bank system iFOBS intedrated Front Office Banking System is a web based solution and offers ser vices which enable the online exchande of financial and other date between bank and clients using computer and telecommunications technology
68. nagement functions support liquidity planning account and advice statements calculation of balances by value date e Quick entry and transfer of domestic and foreign transfers orders Formats DTAUS DTAZV MT101 etc e Export of transaction volumes and account balances in freely definable processing files ASCII files e Fast and safe transfer of large volumes of money files up to 1 GB e Express funds transfers standardised euro funds transfers Openind and manadement of import letters of credit Distributed electronic signature for the authorisation of money transfers by persons situated in different locations alternatively with the chip card e Recording of SEPA transfers transfer of SEPA files SEPA payments with Credit Transfer and Direct Debit e Support of the EBICS Internet standard e Integration of several banks possible Cost and time effective administration of your import let ters of credit prompt information about the letter of cred it s status e Customised access rights for each user Automatic transfer and processing of account information and electronically generated domestic and foreign payment orders into the customer s financial accounting system User defined data selection with print out as PDF file e English German Spanish and Italian language versions e Simple installation minimal maintenance and training requirements e Software download and automated software update via the Internet
69. ncy as within the bank and the possibility to perform searches of historical data e Extended analytical Reason Code Display of extended analytical reason code for current account transactions re corded in real time Download bank account transactions Including extended analytical reason code Available balance For current accounts and cash balances by currency for 8 working days e Bank transfers SEPA Bank Transfers high value Bank transfers and urgent Bank transfers in real time This func tionality allows for the immediate execution of real time payments from a current account of UniCredit to another current account at any bank Real time account transfers Transfer funds in real time Bank transfer details within Italy and abroad An ana lytical summary of all bank transfers received and or sent with the possibility to perform searches and download the complete set of data F24 Payment of the standard F24 tax return and identify ind elements either immediately in real time or by the first payment deadline e DocOnLine On Line Document Management An exclusive service that allows customers to receive and electronically manage the banking documentation of UniCredit debit 3 38 Italy and credit accounts account statements and summary documents therefore reducing the requirement for hard copy documentation DocOnLine makes it possible to sim plify and streamline business processes and procedures for
70. ndividually be changed any time TAN TransAction Number the elec tronic signature 3 Main characteristics of this product BusinessNet is available in two versions to meet the needs of your business perfectly BusinessNet B sic e Banking portal for small businesses and freelancers Core functions domestic and foreign payment trans actions financial overview electronic account state ments fixed term deposits and account activity financ ing simulations electronic securities trading guarantee opening and amendment orders business services such as access to the Austrian land and trade registers that consider ably simplify your daily business Includes also the communication centre a secure area where you can interact with your employees and the specialists of Bank Austria and make use of a joint document archive with your account manager BusinessNet Profession l Banking portal for large enterprises and corporate Groups Core functions enhances the payment transaction func tions of BusinessNet B sic with a summarised overview Atl 12 Austria of all of your droup companies accounts droup bank ind The intedrated Multi Bank Standard MBS which allows you to access and work with accounts at multiple banks You can also import data from your internal account ind system such as payroll and collection accountind directly into the banking system and electronically pro cess the letters of credit
71. ng their local money trans fers through BANKO The software can even enable users to create the payment files Moreover in a secure environ ment the customer can transmit payment order files txt downloaded from ERP in YTL local currency to any ben eficiary account at any local bank Payment orders in FX can also be processed through BANKO if the beneficiary holds accounts at the Bank Data exchange for cheques to be cleared through the Bank can also be processed through BANKO 1 Product description BANKO was introduced in the Bank in 2004 The main functions of BANKO are e Local Payments there are two ways of executing local payments via BANKO e If the client s applications are capable of generating a txt file for local payments this file can easily be sent to the Bank via BANKO There is no one file format in other words the file format is flexible as long as the minimum data required e g beneficiary account num ber etc for executing a payment are in the file After the transactions have been executed a reconciliation status feedback file is sent via BANKO to the user e Ifthe client s applications are not able to generate a txt file the user can prepare the payment orders in BANKO The user can upload the beneficiary database to or pre pare it in BANKO Having selected the beneficiary by filling in the remaining fields payment orders can easily be prepared Once the transactions have
72. ning functionalities can be easily set up throudh our supplementary BusinessCash and Business Planner software packages Account statements additionally available as paf 4 Recommended technical requirements Windows 2000 XP e Pentium with at least 128 MB RAM and 100 MB free fixed disc storade e Access to Internet BUSINESSNET BusinessNet the most modern web based banking portal in Austria is an individual work and information platform that enables businesses to use the Internet optimally for their financial transactions Make your day to day work easier with a comprehensive range of transactions and other banking services Use the individual authorisation structure to organise your financial transactions flexibly and sign your orders together with your partners whenever you like and wherever you are Moreover communication with all Austrian banks supporting MBS is possible No hardware or software installation is needed for Business Net The whole communication is encoded with a 128 bit in a secure area 1 Customer profile This product is perfectly suited to both domestic and inter national corporate customers who are looking for an Inter net based solution which enables them to access account information on all accounts in Austria and abroad and settle payments electronically 2 Your benefits e Worldwide mobile and flexible access around the clock to all financial information e Transparency direct access to you
73. nks within UniCredit and or the accounts held by several legal entities of the company 4 BusinessNet Professional package offers In addition to the functions of BusinessNet Basic mentioned in previous point 3 BusinessNet Professional packade with its special feature BusinessNet Connect allows to interface with other accounting system ERP type BusinessNet Connect is designed for large and medium sized companies handling a high number of outgoing and incom ing payments The innovative solution streamlines internal processes and simplifies the procedure of active and pas sive communication between your company s Financial and Accounting System ERP and UniCredit Tiriac Bank s Internet Banking Portal BusinessNet Through synchronisation of data between your Accounting System and UniCredit you can automatically e upldoad payment files download status messages of the uploaded payment files and statements in MT940 942 format All financial data is available in your ERP System online with out the necessity to manually import or export files BusinessNet Connect is user friendly and follows the well known and intuitive Drag amp Drop concept After placing the payment files from the ERP System in the dedicated folder they are automatically uploaded to the Internet Banking Por tal BusinessNet 5 Security Communication secured by SSL protocol with 128 bits encryp tion combined with the authentication based
74. ns and cash management on a domestic and cross border basis High level of security through data encryption Distributed electronic signature Data transmission via Internet protocol TCP IP Transmis sion Control Protocol Internet Protocol 6 Technical features e Cash application works offline and in order to exchange in formation with the bank the customer initiates a synchronisa tion process The server module then sends all the informa tion which was entered by the customer through the client module to the bank server and received the information cho sen by the user e Cash supports 32 bit and 64 bit Microsoft Windows platforms 7 Technical requirements The minimum hardware requirements are For 32 bit operating system 1GHz or faster CPU recom mended 2GHz or above minimum 1024 MB RAM recom mended 2 GB or above dE 18 Bulgaria e For 64 bit operating system 1 4 GHz or faster processor recommended 2GHz or above minimum 1024 MB RAM recommended 2 GB or above e Some of the software packages used by the e Cash are installed directly to the Windows system minimum 5GB free on the system disc C V e e Cash operates under Windows XP SP3 or later BULBANK ONLINE Bulbank Online is the Internet based banking solution offering our bank s private and corporate customers re mote access and management of their bank accounts It enables them to receive account information and to exe cute payment tran
75. nsactions being executed in real time within our bank All payment orders are processed promptly upon their receipt taking account of stringent compliance with all legal require ments and banking practice rules Payments with a future value are also accepted 5 Your benefits Remote control including from abroad thus achieving independence of bank opening hours Liquidity control through display of account turnover and balances Assistance in payment transactions and cash management on a domestic and cross border basis High level of security through personal user name and password Use of electronic certificates for authorisation of payments 6 Recommended technical requirements The following web browsers are supported by Bulbank Online Microsoft Internet Explorer version 8 0 or higher Mozilla Firefox version 6 or higher Bulgaria 19 20 Croatia E ZABA INTERNET BANKING e zaba is an integral application designed for resident and non resident corporate customers It is a cost effective and complete solution enabling cor porate customers to execute financial and non financial transactions as well as contract certain banking and non banking services via Internet by using an authorisation system based on two factor authentication by USB Key or smartcard and digital cerificates 1 Product description e zaba internet banking is a proprietary in house devel oped application introduced in 2001 The access to custom
76. nt of entry UniCredit banks which hold the account of the ordering party and are interfaced with EuropeanGate to receive payment orders for further processing are defined as target location independant whether they are single point of entry or not Published by UniCredit Bank Austria AG 8242 Cash Management Schottengasse 6 8 1010 Vienna Austria Editor Cash Manadement Phone 43 0 505 05 ext 55446 Fax 43 0 50505 ext 8955446 e Mail silvia kKornherr unicreditgroup at This brochure is intended for clients of UniCredit who are market counterparties or business investors It is not intended for use by any other person In preparing this bro chure several sources of information have been used which we consider to be reliable All information is provided solely on the understanding that neither any member of UniCredit nor its employees shall be liable for any errors inaccuracies or incomplete information contained in this brochure Under no circumstances shall any information provided be considered as legal or investment advice This brochure does not constitute a solicitation to buy or an offer to sell any securities Any opinions herein reflect our judgement on this date and are subject to change without notice 67
77. of balances and convenience resultind from the auto matic investment of all funds at the end of the day e Custody services PekaoBIZNES enables to look through custody accounts information and transactions in custody portfolio corporate actions connected with securities in portfolio e g payment of dividend The Trade Finance services offered via PekaoBIZNES are e Pekao Trade which allows to manage trade finance trans actions at every stade of their implementation and have permanent access to information in real time e eFinancind which ensures electronic service of discount products including various models of forfaiting over 20 financing structures are tailored to different business mod els and relationships between trading partners Guarantees online which allows to manage guarantees securind performance of clients contractual oblidations via internet e Receivables pool financing online which enables compa nies an immediate release of frozen funds thanks to ad vance financing of receivables for issued invoices e EDI Financing an interface between PekaoBIZNES and the external popular in Poland EDI platform which dives its users the possibility to initiate financing of receivables at Bank Pekao at the same place where they exchange electronic commercial and logistic documents PekaoBIZNES is the first corporate e banking platform in Poland to offer the Leasing Module Its users can review t
78. osts in companies Lower bank fees Electronic payments i e paperless e Interface to the company s information system Time saving Forward valued payments Almost real time with a 15 30 minutes delay informa tion about intraday entries on accounts e Help desk support available Slovenia Clear review of transaction history e Simple upgrading download of new software release 5 Advantages of this product Communication network with a number of other Slovenian banks e Very user friendly Time saving independence of bank opening hours e Payment orders are strictly checked in accordance with the rules of Bank Slovenia e Interfaces to other programs facilitate operational work Help desk 6 Recommended technical requirements e Windows 2000 2003 XP Vista and Win7 Minimum of 200 MB free hard disc storade 1 GB recom mended e PC 550 MHz with min 128 MB RAM 1 6 GHz 32bit proces sor and 512 MB RAM recommended for 2000 2003 and XP e PC800 MHz with min 512 MB RAM 2 0 GHz 32bit proces sor and 1 GB RAM recommended for Vista and Win7 e Free COM port of USB port for smart card reader e Modem or access to Internet 7 Market position E Bank is the leading electronic banking system in Slovenia Over 80 000 companies currently use it with the numbers in creasing 55 56 Turkey BANKO BANKO is a PC based software for bulk transactions Cli ents send their data files includi
79. pdate 25 or higher Smart card reader or Token and Actalis digital signature software previously installed The serial smart card reader is non compatible with Win dows Vista and Windows XP Service Pack 3 e Hardware requirements e 1 free 9 pin serial port and one PS 2 port in the case of RS232 serial reader e 1 free USB port in the case of USB reader e At least 17 MB of available disk space for standard installation e RAM memory 1 GB recommended The updated version of system requirements is always avail able in the information section of the UniWeb website www unibanking it 7 Market position Due to its ability to fulfil stringent security requirements which is one of the core features of UniWeb and the exclusive and full range of functions developed and implemented on an ongoing basis UniWeb is currently the leading electronic bank ind system in Italy Italy TLQ CORPORATE BANKING TLQ Corporate Banking is an electronic banking product for corporate customers which can be used in client server mode with dedicated software installed on a personal com puter 1 Product description TLQ Corporate Banking allows customers to exchange finan cial flows with the Bank in real time and with banks that sub scribe to the CBI Corporate Banking Interbancario service with which they have a bank account 2 Security Access to the service is subject to security checks based on the company s identification code the u
80. plates Templates saved in e zaba are also available via m zaba business banking e English and Croatian language versions e No maintenace and no training requirements e Software download and automated software update via the Internet 5 Advantages of the product Brand new feature unique on Croatian market incorpo rates the use of e zaba and e Invoice service ncorporates the use of e zaba and eGovernment services such as value added tax reports redistry of annual financial and statistical reports solvency information pension insur ance contribution reports etc The payee display can be used for saving data on business partners suppliers in favour of whom payments are most frequently made Quick menu enables quicker and simpler approach to the most used links Possibility of choosing the position of the main menu four options are available Access to useful contacts such as contact information of business relationship manager and other important tele phone numbers and e mail addresses for contact with the Bank State of the art security system 6 Recommended technical requirements Windows OS Internet access via web browser Internet Explorer 7 0 8 0 9 0 32 bit and 64 bit or Mozilla Firefox 19 0 e Standard PC with Microsoft platform Windows XP Windows Vista Windows 7 including servicepacks Java Plug in for Oracle JavaSE version 1 7 update 17 or more e 200 MB space available on ha
81. products in the field of electronic bank ing which support the straight through processing of transac tions the consolidation of information on a dlobal basis and interactivity UniCredit offers you a range of electronic banking tools designed to dive you control over the management of your money cross border as well as cross bank in the most sflexible way UniCredit has combined a number of e bankind tools with a special technical functionality which allows you to make in ternational and domestic payments via one sindle point of contact sindle point of entry within our bank s network In the following we highlight the most important features of the range of products offered by UniCredit 1 n the following product descriptions the neutral term the Bank is used in stead of the bank s actual name in the respective country which is indicated in the last section of this brochure entitled Overview Group Products MULTICASH MultiCash is a PC based software which enables account information to be obtained and payment transactions to be executed across all domestic and foreign accounts It is Used by more than 200 banks worldwide MultiCash is a modular Electronic B nking platform based on BCS an internationally adopted Banking Communica tion Standard used for fast and time independent inter bank communication The BCS module is the basic com munication platform for individual country specific appli cation
82. r data in real time and dialogue oriented collaboration with the bank e Individual flexible structure of all access rights Austria MBS access to account information and forwarding of pay ment transfer orders to any Austrian bank supporting MBS including messages from bank computers of other banks Financial overview and currency information overview of all euro and foreign currency transactions loans and de posits at the Bank Overview of transactions in a chart and tabular form Account information account statements lists of transac tions daily turnover on the account balances on each value date including transactions Domestic payments template management order over view collective order transfer urgent payment internal transfer tax payment payment less discount direct debit International transfers template management order over view collective order transfer EU cross border payment urgent payment banker s cheque request for transfer MT101 File transmission upload of PAYMUL DIRDEB and XML re trieval of MT942 MT940 indication of data transmission protocol download of return data carriers in CREMUL and DEBMUL format Current information about securities F X rates Interface to your accounting systems Signature management optionally collective or distributed signature Confidentiality feature Security User code PIN Personal Identification Num ber your personal password which can i
83. raNet Light 3 Security In developing the service we regarded security as critical The security of the system is therefore guaranteed by an interna tionally recognised multi layer security system In addition to the standard 128 bit SSL encryption ensuring the integrity of the data traffic between a customer s and the Bank s com puter the maximum amount of withdrawals can be limited both at transaction and daily levels St 32 Hungary Moreover logging on to the SpectraNet System and signing authorising the orders both for the SpectraNet Plus and the SpectraNet Light service packages can only be done by using one of these two methods Text message SMS For the authorisation of orders the Bank will send a one off password in a text message SMS to the user s mobile phone number as indicated in the agreement The system can how ever be accessed by using the User ID and a regular password which can be modified by the user any time after login Token The user will use a Token to generate the password to log on to the SpectraNet system and to authenticate orders The Token is basically a code generator which depending on the time of use and the serial number of the Token will provide a one off code valid for about 30 seconds Due to its size and as it does not have to be connected to a computer the Token gives a customer full mobility to manage his financial matters 4 Recommended technical require
84. rd disc e CD ROM unit e Free USB port 21 22 Croatia MAC OS X Internet access via web browser Safari v6 0 2 or Mozilla Firefox 16 0 Apple PC with MAC OS X platform MAC OS X 10 7 Lion Intel 64 bit MAC OS X 10 8 Mountain Lion Intel 64 bit Java Plud in for Oracle JavaSE version 1 7 update 17 or more 200 MB space available on hard disc Free USB port LINUX OS Internet access via web browser Mozilla Firefox 10 0 Ubuntu 12 04 12 10 32 bit Red Hat Enterprise 5 7 5 8 6 1 6 3 32 bit and 64 bit or SUSE Linux Enterprise 11 32 bit Java Plud in for Oracle JavaSE version 1 7 update 17 or more 200 MB space available on hard disc Free USB port Czech Republic BUSINESSNET BusinessNet is an Internet banking service which caters to the sophisticated needs of corporate customers To man ade corporate accounts using BusinessNet all the custom er needs is access to Internet an Internet browser and an electronic security token independent of the computer 1 Product description Browser based online Internet banking offering convenient and secure access to banking services BusinessNet is available in two versions e BusinessNet Basic Internet banking for corporate clients e BusinessNet Professional Internet banking for corporate clients with specific needs in the area of Cash Manadement e g receipt display and export of statements of accounts kept at other banks MT94
85. refox 1 5 or higher e Linux Firefox 1 5 Mac Firefox 1 5 Internet browser Microsoft Internet Explorer version 6 0 or higher Firefox 1 5 or higher Sul I2 Slovakia BUSINESSNET BusinessNet is an Internet banking service designed to satisfy the sophisticated needs of corporate customers To manage corporate accounts using BusinessNet all the cus tomer needs is access to Internet an Internet browser and an electronic security token independent of the computer 1 Product description BusinessNet is a browser based Internet banking solution of fering convenient and secure access to banking services BusinessNet is available in two versions e BusinessNet Internet banking for small business clients and corporate clients e BusinessNet Professional Internet banking for corporate clients with specific needs in the area of Cash Management e g receipt display and export of statements of accounts kept in other banks MT940 942 and import of domestic and foreign payments 2 Customer profile BusinessNet products namely BusinessNet and BusinessNet Professional are designed to satisfy the needs of all types of business and corporate clients i e business clients small and medium sized enterprises and large corporate clients Security The pocket electronic safety key independent of the com puter is required for the login and authorisation of transac tions Option of multiple authorisation of payment orders u
86. rt card and password the instructions sent out are digitally signed and UniWeb controls and checks the specified digital sig nature The digital signature although placed on all instructions issued is only transmitted to those addressed to UniCredit Thus the security architecture adopted by UniWeb which also includes the most sophisticated encryption systems for the exchanged data 128 bit SSL protocol guarantees Confidentiality The data exchanged with the site cannot be read by unauthorised persons Integrity The data exchanged with the bank cannot be al tered Authenticity of the parties The identity of the connected parties the user and the bank is verified e Non Repudiation of the sender The parties are certain to det the information necessary to guarantee the documents origin 3 Your benefits Availability of a web based multi company and multi bank Electronic Banking Service with a security system that meets the highest standards from a technological perspective Real time informative and operational interaction with UniCredit and multi bank interaction using CBI and interna tional standards SWIFT Simplified functionality and full compatibility with com pany ERP systems Availability of unique value added functionality to opti mise interaction with UniCredit Total integrated and efficient control of receipt and pay ment feeds Efficient financial management of credits and debits in
87. rt the signature of an order on different installation sites Data exchange with external account keeping or ERP sys tems e d SAP Three languages are supported Hungarian German Eng lish 5 Reliability Protection adainst payment order loss in the event of a breakdown of the communication line e Enquiry of the execution status of orders sent 6 Security e Encryption of the communication line and the local files in accordance with the Advanced Encryption Standard Public key method in the encryption of communication to provide different keys for each lodin RSA algorithm protects the stamp of digital signatures on payment orders The user rights are controlled on the bank server s side there is no possibility of changing them in the customers program Spectra is a password based system which implies that dif ferent passwords are given to each user to login and to sign orders 7 Recommended technical prerequisites e Atleast Windows XP SP2 or higher operating system e Atleast 100 MB free hard disc storage e Pentium with at least 128 MB RAM e CD ROM drive for installation Active dial up modem normal or ISDN or Internet connec tion Hungary 8 Market position The easy to use and real time features are what make the Spectra system stand out among the other electronic bank ing systems in Hungary It has been very well received by our customers currently more than 10 000 Spectra clients This prod
88. s service sweeping orders and pay by link operations Thanks to the above products the PekaoBIZNES users have continuous control of the enterprise s finances in the scope of payments and liquidity management With the use of Cross border Product Module enterprises can control and manage their accounts in all countries in which their company s branches are located Handling of accounts filling of orders viewing account statements and statuses of operations are facilitated by the following products 41 42 Poland GAITS Global Account Information and Transfer Ser vice which allows to handle and monitor all company s accounts around the world maintained by banks affiliated in the SWIFT network e EuropeanGate which allows to handle accounts maintained by banks belonging to the UniCredit Group The following Treasury and Investment services are available in PekaoBIZNES Term deposits the Dealing Module with Deposit Module enables the users to set up and terminate a term deposit as well as to manage its statements Foreign exchange the Dealing Module enables the users to buy and sell currencies online on preferential terms all the FX transactions are settled in real time e Automatic investment of funds PekaoBIZNES enables to achieve an efficient liquidity manadement and better financial results thanks to the investment of an aggregated amount in conjunction with sweeping orders or consolida tion
89. s starts when the customer is opening services in the Bank Therewith the Bank delivers the package to the particular customer which contains SSCD along with all needed drivers and smart card management applications In the course of user data entry temporary credentials are issued to the customer for the enrollment and registration process After the initial software installation the user generates the key pair on SSCD The private key never leaves the SSCD which guarantees non repudation while the public key is part of the user certificate request which the user sends to the Bank via Internet SSL protected Once the certificate is generated and published on LDAP server the customer can use e zaba Inter net banking Croatia 4 Your benefits Cost effective and complete solution for payment financ ing and investment Can be used independently from the PC platform you have supports Windows MAC and LINUX OS Full control over financial operations throudh various levels of user authorisations customer defines authorisations depending on its requirements and business processes Prompt account information account balance overview statements activities including filter functionalities allow ing highly transparent account management Possibility of integration with customer s IT systems SAP Navision etc To faciliate the use and significantly reduce the time the payment order can be filled out by using tem
90. s the utilisation of limits digital signature together with additional biometric feature ensuring authenticity of signatory integrity of transaction undeniableness of a sender and data con fidentiality qualified certificate issued by Certification Authority CA e of contractors database the requirement to authorise changes in contractors da tabase Safe data exchange between PekaoBIZNES and ERP finan cial accounting systems e the Bank s special encrypting software implemented into the client s internal system to prevent data manipulation possibility to import files only from the defined location e online data communication with double SSL protection e Use of PKI certificates Public Key Infrastructure 43 A4 Poland Infrastructure protection Firewall system protecting against unauthorised access mon itoring of all users and system s activities allowing to verify the intedrity and undeniableness of data especially orders Organisational protection Coherent operating procedures for PekaoBIZNES system administrators and Relationship Managers servicing corpo rate clients Technical protection Strictly controlled access to IT and technolodical areas 5 Advantages of PekaoBIZNES e The widest range of financial services and operations inte drated on one platform e User friendly navigation ability to perform complex bank ind transactions with ease usually reserved for retail
91. s with the ERP financial accountind and HR systems used by companies After the software provided by our partner producers is certi fied by Bank Pekao under the PekaoREADY prodram you can be sure that these systems are integrated with PekaoBIZNES in the scope of export and import of data in case of traditional methods of data exchande and or exchange of messages in XML file in case of communica tion via Web Services We recommend direct connection between PekaoBIZNES and your company s financial accountind system Pekao Connect is a state of the art solution based on the Web Services technology It expands the existing functionalities of a company s financial accounting system allowing to perform a number of banking activities such as creating and signing orders or downloading statements directly from the internal ERP financial accounting system without the need to log in to PekaoBIZNES The orders are sent to the Bank in real time It is designed for corporate clients interested in full integration of the systems the fastest and most effective financial data exchange and maximal optimisation of processes 4 Security PekaoBIZNES features comprehensive security solutions in each area with influence on system operations Safe internet technologies Web servers certification VeriSign CA e SSL 3 0 encrypting technology with 128 bit key which pro tects transmitted data against manipulation and loss
92. sactions in local and foreidn currencies Bulbank Online is a sophisticated tool for execution of do mestic and foreign payments and for cash management 1 Product description Bulbank Online was introduced in our bank in June 2004 It is available both in Bulgarian and English Bulbank Online s functionality covers the following products and services Domestic payments Execution of fast and cost effective payment transactions in local currency in accordance with the country standards e Payment orders in local currency standard urgent taxes and insurances Direct debits ayment orders under budgets incoming outgoing e Cross border payments The tool supports execution of payments orders in foreign currency as well as the option of receiving SWIFT copies of all incoming outgoing bank transfers Currency exchange is also available at agreed rate e Cash Management modules Buldirect and Bulcollect are an essential part of Cash Man adement which is offered to corporate customers These products are also accessible via Bulbank Online The system provides the following information e Balances daily yearly and aggregated timing of the last transactions on the accounts Available balances BORICA balances showing over draft facilities blockages etc e Movements and turnovers on the Bank accounts e Account transactions full details for domestic and international payments Updated currency exchange rates
93. ser s identification code and a password Information exchandes take place via an SSL3 128 bit secure connection The user profiling function used by TLQ Corporate Banking is hidhly complex The system administrator can define access to the application for individual users with a level of detail that does right down to the individual current account As regards the instruction area TLQ Corporate Banking offers the option of definind a signature book of authorisations for communication The signature book manages individual joint and multiple signatures establishing maximum amounts for each individual signatory power 3 Customer profile TLQ Corporate Banking is a multi bank multi company and multi user service for corporate customers which features all the functions laid down by the CBI standards and which allows for extensive integration into corporate accounting systems It also offers exclusive additional services which complement the product and offer high value to the customers 4 Your benefits Total control over collection and payment flows Multi bank multi company and multi user application Efficient security management Real time information and instructions with the Bank e Possibility of importing exporting information and instruc tion data and subsequently integrating transactions with corporate applications Easy execution of transactions e No need to send paper based confirmations to the Bank 5 Av
94. sers with full range of products and services from the simplest transactions in the account to those which meet expecta tions of the most demanding clients The attractive graphic design optimised functionalities and open architecture make the system user friendly and easy to be developed according to the clients needs The system is available in 3 languages Polish English and German PekaoBIZNES was awarded many times in the World s Best Internet Bank Awards competition organised by Glob al Finance as the best corporate institutional internet bank in Poland and even in the CEE region 1 Product description PekaoBIZNES is an up to date convenient and fully secure online platform which enables users to make transactions with their contractors as well as to carry out other complex financial operations regardless of time and place It offers a wide range of financial products starting from cash manade ment and cross border services through treasury and invest ments to trade finance products and even the leasing module The Cash Management module offers a full range of e basic products such as all types of domestic and foreign money transfers payroll payments mass payments and corporate business cards service e advanced products such as e invoicing automatic cash withdrawal direct debit postal money order and payment order e customised products such as cash collection collect cash pool POS terminal
95. sind structured signature authorisations at the account level Flexibility in setting user rights at the account level Your benefits Possibility of accessind the system wherever you are with out the need for a fixed software installation Possibility of unlimited collaboration and data sharing be tween the BusinessNet users regardless of their deodraph ic location e g checking correcting signing of payments Online information on connected accounts 5 Wide range of services and functions Basic functions active Submission of domestic payment orders standard pay ments fast payments express payments only 1 pos sibility for urdent collection request transfers between accounts access for which the user is authorised standind orders collection authorisations Uploading of domestic and foreign payment orders from a file created by the accounting system and convenient sub sequent processing of those payment orders formats ABO Clearing Gemini MultiCash format and CSV format only BusinessNet Professional Submission of foreign payment orders standard urgent payments SEPA payments standing orders Term deposits Basic functions passive Current account balances with the possibility of aggregat ing them Transactions history Statements of accounts kept with other banks delivered through MT940 MT94e2 with the possibility of exporting to the accounting system BusinessNet Professional only Cash Man
96. snia amp Herzegovina banks offering the same system HALCOM fully meets the companies re quirements for a highly automated system for data exchange with the Bank 4 Your benefits e Faster more efficient and cheaper execution of domestic and international payments Lower administration costs e Lower bank fees Electronic payments i e paperless e Interface to the company s information system e Time saving Forward valued payments e Helpdesk support Clear review of transaction history e Simple upgrading download of new software release 5 Advantages of this product e Communication with some of the 18 Bosnia amp Herzegovina banks e Very user friendly e Time saving independence from bank opening hours Payment orders are strictly checked in accordance with the rules of National Bank of Bosnia amp Herzegovina e Interfaces to other programs facilitate operational work e Helpdesk 6 Recommended technical requirements Windows 95 98 ME NT 2000 or XP Atleast 300 MB free fixed disc storage e Processor 133 MHz with 32 MB RAM e CDunit e Free COM port or USB port for smart card reader e Modem or access to Internet E BA PLUS e ba Plus enables corporate clients to perform simple and sophisticated operations in domestic and international banking via Internet from the client s desk where the client has installed all the components necessary for the func tioning of Internet banking 1 Product
97. spe cific functions that are unique to UniCredit UniWeb enables the user to dive instructions and det informa tion on existing accounts in a fully secure environment In or der to optimise the management of corporate financial flows UniWeb offers its corporate clients the opportunity to perform real time operations and updates with UniCredit Ease of use of the user interface consistent and logical naviga tion structure throughout the service single log in mode and detailed on line help text are other pluses offered by UniWeb In addition UniWeb is tailored to the actual market needs and is always evolving 2 Security UniWeb places heavy emphasis on security This is why the identification of authorised entities admitted to the service is only carried out by means of digital certificates which replace the traditional system based on Access Code and Password More specifically each corporate signee has a digital signa ture certificate and uses their digital signature in compliance with the legal standards to send instructions 1 The Interbank Corporate Banking also known as CBI is a banking facility process that enables a corporate customer to conduct business directly through its electronic banking system with all the Italian banks where an account is held This system was conceived in accordance with ABI Italian Banks Association with the aim of granting corporate customers an adequate level of service while ensuring that s
98. ssibility of setting up e mailing based on precisely defined parameters Wide range of options for customising the service favour ite pages designating of a preferred account etc Possibility of exchanging messages between the Bank and user e Archiving of payment orders list of authorised signed transactions submitted to the Bank for processing e Information on payment cards e Information on securities 6 Recommended technical requirements BusinessNet in PC Operation system MS Windows XP Vista 7 Mac OS X 10 0 and hidher e Internet browser Microsoft Internet Explorer version 7 0 and higher Mozilla Firefox 3 0 and higher Google Chrome 4 0 and higher Safari 3 0 and higher e Screen resolution 1024 x 768 font size normal Windows e JavaScript enabled Session cookies enabled e Java optional for greater convenience in uploading data from the accounting system Java enabled applet version MS Java or JDK 1 4 Other Adobe Acrobat Reader 6 0 and higher BusinessNet in mobile device Operation system Android iOS Blackberry OS Symbi an S60 e Internet explorer native explorer of OS Android and iOS alternatively Opera Mini Opera Mobile Notice Business Net in mobile phone works properly only if the JavaScript is supported by the internet browser ELTRANS 2000 Eltrans 2000 is a new generation electronic banking tool which meets the demands and requirements of domestic customers for
99. statements of accounts kept in other banks MT940 94 2 Customer profile BusinessNet Professional is designed to satisfy needs of all types of business and corporate clients i e business clients small and medium sized enterprises and Large corporate cli ents 3 Security e The pocket electronic safety key independent of the com puter is required for the lodin and authorisation of transac tions e Option of multiple authorisation of payment orders using structured signature authorisations at the account level e Flexibility in setting user rights at the account level 4 Your benefits e Possibility of accessing the system wherever you are with out the need for a fixed software installation Possibility of unlimited collaboration and data sharing between the service users regardless of their geographic location e g checking correcting signing of payments Online information on connected accounts 5 Advantages of this product Basic functions active transactions Uploading of domestic and foreign payment orders from a file created by the accounting system Submission of domestic payment orders standard pay ments fastpayments collectionrequests transfers between accounts access for which the user is authorised standing orders collection authorisations Submission of foreign payment orders Basic functions passive Current account balances with the possibility of aggregat ing them Transactions history S
100. tandard rules are complied with CBI centralises corporate customer relationships in respect of the whole Italian banking system in the form of a unique entry point It provides a wide range of financial functions which are informative or commercial Using the same standard of communication it provides a service based on cooperation between the Italian banks without hampering competition The subject entitled to represent the Customer as duly authorised by the latter to operate in standard fashion on relationships that are accessible via the UniWeb service 3 A special type of qualified electronic signature based on a system of paired asymmetric keys one public and one private allowing the subscriber via the private key and the recipient via the public key respectively to disclose and check the origin and integrity of a digital document or set of digital documents Furthermore in order to optimise the use of this service users can be authorised to view data and prepare instructions but not to sidn them The security system is always in and efficient i e During the log in phase in order to verify and guarantee the identity of the connectind party it is necessary to use the digital certificate followed by one s own password in order to dain access to UniWeb This way a validity check of the certificate used and of the identification data of the connecting party shall be carried out During the operational phase using the sma
101. tatements of accounts kept with our Bank with the pos sibility of exporting to the accounting system Statements of accounts kept with other banks delivered through MT940 MT94e2 with the possibility of exporting to the accounting system Cash Management function overview of closing balances on accounts kept with the Bank and for accounts kept with other banks with a possibility of aggregating the balances Possibility of granting access to accounts held by multiple business entities to a single user utilising a single access profile and security calculator with a high level of user comfort Possibility of establishing structured signature authorisa tions including use of transaction limits at the account level Great flexibility in setting user rights at the account level Possibility of creating payment order templates and data bases of business partners Possibility of setting up e mailing based on precisely de fined parameters Wide range of options for customising the service favour ite pages designating a preferred account etc Possibility of exchanging messages between the Bank and user Archiving of payment orders list of authorised signed transactions submitted to the Bank for processing Information on payment cards Information on securities Serbia 6 Recommended technical requirements Supported OS browser combinations Windows XP 2000 or higher IE 6 0 or higher Windows XP 2000 or higher Fi
102. templates and master data e Group Banking clear overview of all accounts of a group multi bank account reportind based on SWIFT MT940 includind import and export functions which enables an easy integration with a company s ERP system Languages amp Countries BusinessNet is currently available in both English and in the Local Language It is offering Cash Management functionali ties in the following countries e Czech Republic Romania Serbia Slovakia e Slovenia Ukraine 10 Austria BUSINESSLINE This electronic banking software supports the quick easy and convenient exchange of data between the user s PC and the Bank s data processing centre using MBS IP as a transmission protocol BusinessLine forms the basis for the electronic handling of payment transactions and for receivind the account information of all accounts kept do mestically and abroad Furthermore it allows communi cation with all Austrian banks supporting the Multi Bank Standard The main functions include e Execution of domestic and cross border payments including SEPA payments Data import from the customer s accounting system Export of various information e g account statements prepared orders f x rates Vienna Stock Exchange infor mation etc 1 Customer profile This product is perfectly suited to both domestic and interna tional corporate customers who are looking for an electronic solution which can handle
103. that you need for your export transactions Recommended technical requirements Microsoft Internet Explorer version 5 5 or hidher Netscape 7 or hidher Mozilla 1 0 2 Firefox 1 0 or hidher Please ensure that cookies from the BusinessNet server are accepted Use JavaScript for more comfort Adobe Acrobat PDF Reader Some of the information and brochures that we offer for download and printing are provided in Adobe Acrobat PDF Reader format PDF You must have version 4 or higher Acrobat Reader can be downloaded free of charde at http www adobe de Macromedia Flash Player Some interactive content requires the Flash Player from Macromedia You need version 5 0 orhidher If you do not wish to install the Macromedia Player please select the HTML version The Flash Player can be downloaded free of charde at http www macromedia com Bosnia amp Herzegovina HALCOM HALCOM is an electronic banking system developed by the Slovenian software company HALCOM HALCOM also has a strong presence in Slovenia and Serbia as well as in Bosnia amp Herzegovina 1 Product description HALCOMisa Slovenian productdeveloped by the software house HalcomInformatikad o o Ljubljana http www halcom si The system is client server based the customer needs a special client program to communicate with the bank server The software is very user friendly It enables the effecting of do mestic and international payments access to
104. the required data 5 Group Products Foreign Payment Module This is similar to the domestic payment module in the way it is structured it is available in German English or the local language SEPA Module This module satisfies the requirements of the Single Euro Payments Area SEPA for local and cross border payments in the eurozone Cash Management Module This tool tracks the development of balances per entry and or value date and proposes cash management trans actions Further MultiCash allows for Fully servicing accounts maintained at third banks any bank using the MultiCash banking system can provide you with account information via MultiCash Receiving and sending of SWIFT MT101 messages Re quest for Transfer the basis of efficient liquidity man agement e Receiving SWIFT MT940 end of day account statements and SWIFT MT942 intra day account information Creating individual templates and facilitating the ad ministration of regular payments or standing orders Distributed electronic signature MultiCash sign This function enables authorised par ties to endorse their signature distributed electronic sig nature from different locations via the Internet A help database supports errorless and rapid data entry the online country manuals describe all the functions of MultiCash in detail The MultiCash software can be either intedrated into your computer network or alternatively in stalle
105. their banking business as well as manage all their accounts kept locally and abroad The prod uct can be used locally on one PC or as a network installation 2 Your benefits e The Navigator guides the user through a clear and well defined structure of steps to be taken e Streamlined solution for domestic and cross border clear ing Distributed signature independent of location and time possible e g send payments with BusinessLine and sign them with BusinessNet e Security User code and PIN Personal Identification Number your personal password TAN TransAction Number the electronic signature or digital signature using a digital certificate from A Trust http www a trust at or Mobile TAN via SMS card TAN planned for Q1 2014 Customised user authorisation MBS Multi Bank Standard In 1995 Austrian Banks adopted a communication standard which was set up as the basis for various Electronic Banking programs With this standard in place banking business can be done across different banks using only one MBS supporting software system 3 Main characteristics of this product e Independence from bank opening hours e Interfaces to other programs facilitate operational work e Flexible funds management transfers including the cost efficient Payment in the internal market direct debits cash collections express transfers Based on BusinessLine in house cash management and financial plan
106. uct manages the major part of all the orders received electronically by the Bank Some years ago the developer started to sell this product to other Hungarian banks under the name Electra with func tions similar to those of Spectra SPECTRANET SpectraNet is an Internet solution for electronic banking The Bank s SpectraNet provides customers with account information enables them to execute payment transfers and offers a full range of other banking transactions from all over the world at any time 1 Introduction Like the installed Spectra client program with SpectraNet the customer can manage a wide spectrum of order types as well as make various queries of his accounts and create deposits The electronic mailbox function allows the transfer of order packades between the installed Spectra prodram and the web based solution via internet and mobile banking services with the possibility to modify add further signatures and send them to the bank server SpectraNet transactions are safe swift and convenient and can be done either from home or a customer s office which saves not only time but due to the favourable conditions also money To use the service all you need is a computer with Internet access 2 Product description The SpectraNet service can be used with the following two service packages each of which comprises a different range of functionalities please see the enclosed overview e SpectraNet Plus Spect
107. ul communication session e Various checks involving transaction numbers and key composition Online acknowledgement between client server sys tems and firewall systems e Audit trail and lod file communication to ensure proper future investigation 4 Your benefits Independence of bank opening hours Liquidity control through display of account balances turn over per value date and drawing possibilities Assistance in payment transactions and cash management on a domestic and cross border basis One Single Point of Entry or multi bank capable with banks holding a valid MultiCash software license High level of security through data encryption Distributed electronic signature Data transmission via Internet Protocol TCP IP Transmis sion Control Protocol Internet Protocol MC sign Technical features Individual workstation network installation from DVD Recommended technical requirements MultiCash runs under current operating systems For remote data exchange DFUE TCP IP Group Products 7 Group Products EUROPEANGATE EuropeanGate provides our customers with access to almost all UniCredit banks via one single point of entry This routing and conversion platform enables the process ind of both national payment formats as well as unified international formats such as SWIFT Messages e g MT101 MT104 or XML SEPA ISO XML CGI All payment orders bank transfers and debits if allowed ar
108. yment orders from a file created by the accounting system and convenient sub sequent processing of these payment orders e Submission of domestic payment orders standard pay ments express payments direct debits standing orders direct debit mandates Submission of foreign payment orders standard payments Euro payments SEPA CT standing orders e SEPA DD authorisation e Term deposits Trade finance Basic functions passive Information on balances and turnover on all agreed client s accounts e Information on turnovers not posted List of all payments removed from processind Exchange rates refreshed on a daily basis Information on interest rates e Information on time deposits opened e Information on all standing orders created Information on consents created to direct debit Registered mail in free text form e Information received can be easily printed or moved to oth er client s program accounting software program in MS Windows etc Eltrans Sign This function enables authorised parties to endorse their signature distributed electronic signature from different locations via the Internet Czech Republic 25 Recommended technical prerequisites PC Pentium 133 MHz 32 MB RAM access db PC Pentium 166 MHz 128 MB RAM sql db Windows 2000 SP3 and SP4 XP Vista 7 Windows 2000 2003 2008 Server Terminal Services only in connection with MS SQL Server or Oracle Internet Explor

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