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User Guide ING Online Russian Federation

1. Upon finding a match the template details are shown below the search form Figure 14 Templates Print Help Quick Template Beneficiary Search i Search in Beneficiary Choose Choose Beneficiary Beneficiary Bank Code Beneficiary s Account Details Ly Ly ING Online users have two possibilities to use the desired template either choose the whole template when they click the icon in the Choose column or use only the beneficiary data from the template when they click the icon in the Choose beneficiary column When Choose beneficiary is selected the template contains only data about the beneficiary When the whole template is selected it will contain all template data entered previously by the user ING Online User Manual Russian Federation May 2013 11 Set and remove default values Another powerful feature of ING Online is the opportunity to define default values for all fields in all interactive payment forms Itis easy to set a default account for domestic payments or to use the same beneficiary data for international payments The feature of setting and removing default values can be enabled or disabled through Personal settings Settings Figure 15 Display option for setting Default Turn On x Values in Payments Partially Turn Off The application can work in three modes to displaying and setting default values On Off and Partially On Paperclips become visible on man
2. Please select customer T Please select customer e Step 4 Adding transactions to the newly created package This can be achieved by placing a tick in the check boxes in the Package column of the table with transactions The table with records for transactions displays only transactions belonging to the selected customer if user is linked to more than one customer and matching the criteria already selected by the user account type of transactions currency date etc When the tick is placed then the package name automatically appears in the Package column of the transaction record Multiple transactions can be added to a package should users check the box in the table header row Removing transactions from a package is done the opposite way removing the tick from the check box for a single transaction record or removing all transactions from a package by removing the tick in the header row of the table with transactions Note that the tick in the check box in the header row of the table with transaction records adds to or removes multiple transactions from a package contained in the active screen only ING Online User Manual Russian Federation May 2013 37 Figure 38 Transactions by Beneficiary Print Help Filters From To Account Date 16 Feb 2011 f 16 Feb 2011 x Book Date Type Amount O Value Date Currency Reference O Sent Date Status Details O with details Beneficiary Packages Show x
3. The amount entered is automatically spelled in words Official Info Name The name of the official contact person of the customer Phone The telephone number of the official contact person of the customer Details of Payment Details of payment Users may enter free text in description of the transaction Permissible symbols and length of fields Fields Permissible symbols Length of fields Beneficiary Account No 0 9 6 20 Date Current date plus or minus 2 days No 0 9 BIC Code 0 9 9 Details of payment Q LOCAL_ALPHABETa zA Z0 9 1 65 Name of official person Q LOCAL_ALPHABETa zA Z0 9 1 40 Phone of official person Q LOCAL_ALPHABETa zA Z0 9 1 20 ING Online User Manual Russian Federation May 2013 22 Mandatory sale Manual capture of Mandatory Sale transactions is done by filling the following form Figure 22 ING amp Document Number Document Date 30 Jun 2011 YT MANDATORY SALE Senders Official Name Phone Ordering Details OKPO INN Transit Account gt Customer Name Payer Bank Name BIC Total Amount Proceed Currency x Debit amount of mandatory sale Amt for mand sale Amount for Free Sale Amount to be transferred to the currency account To Accounts Bank Name BIC Currency Account z Transfer roubles to i ie KT Account to write off commissi
4. COLUMNS 16 Feb 2011 16 Feb 2011 407639 Domestic Payment New 40702810000001000940 10 000 00 RUB 044525222 40702810400001001905 Test Beneficiary 4 16 Feb 2011 21 Feb 2011 407638 International Payment Sent 40702810600001001802 12 345 54 EUR INGBSKBX BG80BNBG96611020345678 Test Beneficiary 2 16 Feb 2011 16Feb2011 407637 Domestic Payment Cancelled 40702810000001000940 1000 00 RUB 044525222 40702810400001001905 Test Beneficiary 3 Actions with Packages List of Packages All functions in the Packages menu start with presenting a list of packages Information for each package in the list include pack name customer name and status of package count of transactions within the pack the control amount and source an uploaded file Users may filter the packages by name number status date and customer By default the date is the current date Users can review the contents of a package before signing and sending it to the bank Packages Review The function allows reviewing of both types of Packages Locked and Unlocked Packages Sign and Send The function is applicable for Locked Packages only The function is successful if all transaction in the package can be signed by the acting user If the package contain transactions for which the user has no rights to sign or the total sum of payments inside the package exceeds the user s limits then the package can either be signed by other users with sufficient rights and limits or the package sho
5. Foreign exchange Figure 21 ING No Date 3 22 Mar 2009 Please debit the account Account No 41827810100001001953 RUB Customer Name Test customer Ltd FOREIGN EXCHANGE Please credit the account Beneficiary account is Account Number 41827810100001231944 USD Customer Name Test customer Ltd Amount Sell Amount Sell Currency Amount in words Buy Amount Buy Currency Amount in words Official Info Details ING Online users may use this function for foreign exchange deals In order to do this users need to have accounts in the respective currencies No The number of the payment document is required to be indicated This field may contain 3 digits at minimum and zeros only are not allowed Date The value date for the transaction has to be selected By default the date is the current date Users may instruct foreign exchange deals up to two days ahead of the current date Debit Account Account No Users have to choose the number of the account they will be buying another currency with The currency denomination of the account has to be the same as the currency that the user wants to sell Customer Name Name and address of the ordering party are automatically filled in by the application on the basis of the entered account number Credit Account ING Online users have to indicate whether the account that will be credited is held with ING Bank or wit
6. User Guide ING Online Russian Federation Your gateway to Central and Eastern Europe o i ADE nn ae Contents Introduction to ING Online 3 News 4 Rates 4 Account information 4 Filters and search 4 Balances 5 Balances by group 6 Movements 6 Statements 6 Transactions 7 Validation of fields 7 Completion of transactions 8 Display of amounts 8 Actions with transactions 8 Track changes 9 Templates 10 Set and remove default values 12 Domestic payment 4 International payment 18 Foreign exchange 2 Mandatory sale 23 Files upload 29 Domestic payment orders 29 International payment 33 Salary payments 34 Processing of uploaded files 35 Packages 36 Locked packages 36 Unlocked packages 36 Creation of packages 36 Transaction management 39 Transactions by group 42 Sign 42 send 43 Edit and cancel 44 Documentary files 44 Customer to bank files 44 Bank to customer files 48 User limits 49 Personal settings 50 Customer and Account alliases 50 Group Management 50 Assign to group 50 Settings 50 Security 51 Important information 5 Change password 51 Digital certificate 5 Secret questions and answers 5 w Your gateway to C Eastern Europe ING Online is a sophisticated Internet browser based banking service for the Central and Eastern Europe CEE region ING Online fully supports all features required to manage liquidity and working capital varying from domestic and cros
7. BEN NAME 2 BEN ADDRESS BEN CITY 70 123456789012 DETAILS 2 DETAILS 3 DETAILS 4 72 PRIORITY 6 T 0 TAX 07 INN 7707083893 OKPP 123456789 BKPP 123456789 CBC 00011608000010000140 OKATO 11111111111 BASIS TIM PERIOD MC 08 2010 NO 11 DATE 090123 TYPE HC ING Online User Manual Russian Federation May 2013 The file format is based on the SWIFT format MT103 and can contain only foreign payments All files contain a file header The header contains details for the total count of payments in the file as well as the total amount of payments The following is an example of an international payment in MT108 file format Figure 32 01 REF123 02 681 55 20331 04 ING BANK EURASIA ZAO 205 206 07 int_payment txt 7 20 88 23B FCY 32A 090312EUR681 55 50K CONFECTIONERY SWEETS CANDY INTERNATIONAL MOSCOW 52A D 40702810400001001905 56A 57A INGBBGSF 59 BGO7INGB91451400071818 COMMERCIAL FLIGHTS LTD BEN NAME 2 TZARIGRADSKO SHOSE 117 SOFIA BULGARIA 70 PAYMENT FOR INVOICE NUMBER 3789 FROM 10 03 2009 71A OUR 40702810602001002032 72 NAM Aleksey Alekseev TEL 987 654 321 GDNUM 88118888 2495 0000 1 1 CN N 1010101 CD 10 04 2008 CCYAMT USD1020 00 OP 11100 EXPD 21 09 2010 Note The application checks for the presence of either Deal Passport Number or Contract number and date to successfully process the file when uploaded An exclusion to that rule is when the payer account is non resident account
8. HIGH FLY RU 100 000 00 98 000 00 User to Account Limits 9000010760 18 000 00 User Limit 120 000 00 118 000 00 9000010779 18 000 00 User Limit 85 000 00 85 000 00 ING Online User Manual Russian Federation May 2013 49 Personal settings ING Online application can be personalized in different ways Customer and Account alliases Under this menu item ING Online users find information for all customers and accounts linked to the user Here users are given the opportunity to set their own alias for each one of the customers they work with as well as set aliases for their accounts Customer and accounts aliases personalization is on user level each user will have a different name for his her customers and accounts Figure 55 Customer Name 1 Customer Alias accout OOOO O Sere eran RAME 40702810600001001909 RUB 40702840900001001909 USD 40702978000001001124 EUR Customer Name 2 Customer Alias 40702810000001001169 RUB 40702810300001002606 USD 40702978500001001802 GBP Setting aliases for customers and accounts is confirmed by the button Thus users can easily recognise their customers and accounts as customer and account aliases are shown in filters and drop down menus throughout the application For instance the friendly name given to an account is shown not only in Account Management but in Sign and Send screens as well Group Management Under Group Management users can create groups of accou
9. beginning with 40807 ING Online User Manual Russian Federation May 2013 Salary payments ING Online accepts upload of files with salary payments Files for upload are text files with a TAB delimiter The salary payment files are easily captured in a text files editor and then uploaded in ING Online Every salary payment is one single row in the text file while every field in this row is separated by a TAB character To upload salary payments ING Online users have to be authorized explicitly from the bank staff The process of upload of salary payments includes the following steps e Step 1 Users choose salary payments in the drop down list under Payment Files Upload e Step 2 Select the customer and the account that shall be used to instruct the payments from The application automatically sorts all available accounts and displays only accounts with domestic currency denomination and salary rights e Step 3 Browse for the salary payment file on the client s computer and upload it Salary files are validated on upload Validating a file consists of checking all fields in accordance with predefined rules for these fields Detailed description of fields type length and permissible symbols is given in the Annex to this document There is a possibility to include the rule for accepting of files with errors if applied the file with errors will be accepted for further processing If the Customer has been authorised
10. z O with expired Status ql Ref No Customer Name z File Info Group Test user 1 21 Invoices 32421 1 Inv x Name inv 234 jpg 234 Kb SHA checksum 15 May 2012 13 29 48 oO New a Test user 1 Signed with First 20 Invoices 2 Files x Name report_12 xls 1 Mb SHA checksum 11 May 2012 10 12 13 Test user 2 0O 0o Signature Test user 3 Test user 1 Test user 2 Test user 1 19 Other ethde Name letterdac 131 kb SHA checksum 54 Apr 2012 09 15 54 23 Apr 2012 10 34 23 23 Apr 2012 10 35 12 23 Apr 2012 10 36 02 cepted The Customer to Bank screen show a table with all uploaded files with the last uploaded file at the top of the table By default the screen shows files that are not expired Expiration dates are set individually for each type of document by the Bank In case users want to see the expired files as well they have to place a tick in the box with expired in the filters area Other ways of filtering the content of the table include e Document type Filters the files in accordance with the predefined types of documents invoices letters of credit etc e Status The process of upload of files from the customer to the Bank follows the logic of capturing transactions and includes several stages uploading signing in accordance with the signing policy and sending At each successfully completed stage he status of the file changes The possible types of the status of the uploaded file are as follows e New The
11. A little icon next to the payment record distinguishes the recurring payment from other payments The status box of the recurring payment also clearly indicates that this payment is recurring Figure 27 Status Entered by Test ING Online user 01 Jul 2009 00 12 21 No 100743 Sign 1 Test ING Online user 01 Jul 2009 00 12 21 Status Sign 2 Another Test ING Online user 01 Jul 2009 00 12 21 Registered in the bank Sent by Another Test ING Online user 01 Jul 2009 00 12 21 Recurring Payment Order q The status box of the templates for recurring payment orders accordingly contains the words Recurring Payment Order Template Figure 28 Status Entered by Test ING Online user 01 Jul 2009 09 45 21 No 365 Sign 1 Test ING Online user 1 Jul 2009 09 47 35 Status Sign 2 Another Test ING Online user 1 Jul 2009 10 12 31 Registered in the bank Sent by Another Test ING Online user Qj Jul 2009 10 14 02 Recurring Payment Order Template Generated payments as a result from a recurring payment order template are signed and sent with the same signatures as the RPO template Thus it affects the daily limits of all signatories of the order as well as the corresponding customer and account limits as a normal payment order If due to some reason a payment is not generated in accordance with a RPO template the application generates an error report and notifies all users involved through the News menu item of ING Onl
12. a search All uploaded files are organised in a table with column headings indicating the status of the file its ID the reference number of the payment the file is linked to if linked file name the SHA1 checksum of the file the name of the user that has uploaded the file the names of the users that have signed and sent the file to the bank and comments from the customer or the Bank regarding the file content if any In case of rejection of the file the Bank is obliged to communicate the reason with the customer The check boxes in columns Sign and Send are used to sign and send the files Users may place a check in one or more boxes and click EER or to sign or send checked files All uploaded files for a customer can be downloaded and viewed by any user with the rights to upload sign and send C2B files for that customer The file name is blue and active and a click on it would bring up a download box An uploaded file can be cancelled any time prior to sending it to the Bank only by the user who has uploaded it ING Online User Manual Russian Federation May 2013 46 The ID of the uploaded file is a link to detailed information about the uploaded file Figure 52 File Info Action Id Path Status Group Uploaded by Uploaded on Sign 1 by Signed with first signature on Sign 2 by Signed with second signature on Sent by Sent on Expires on Customer N
13. also possible either in the following numeric format DD MM YYYY or in mixed format the day in figures the mon may choose two other types of payment Urgent and Extra q h in words and the year in figures Type of payment ING Online users have to identify the type of payment The payment orders may be delivered by mail by telegraph or in electronic format The drop down list enables users to select the Example 1 July 2009 type of payment respectively Additionally users ax payer status The field for the status of the tax payer is required to be filled in if the payment is a tax payment Users may manually enter the code for transactions to the budget or select it from the drop down list Payer Amount the amount of the transfer expressed in RUI B must be specified The amount must be filled in without any delimiter for the thousands The delimiters and are both interpreted as delimiters between the integer part and the fractional part Amount in words the amount of the transfer in words is automatically filled in by the system on the basis of the entered amount in figures ING Online User Manual Russian Federation May 2013 14 Account number The number of the payer s bank account from which the money is to be paid The account can be chosen from a list of all the accounts for which the user has the right to initiate payment orders in RUB INN The INN Tax Identificati
14. file is uploaded by the user and awaits user s signature when the signing process is mandatory Signed with first signature The file is signed by the user with first signature when the signing process is mandatory Signed with second signature The file is signed by an user with second signature when the signing process is mandatory and the C2B signing policy requires two signatures e Sent The file is sent by the user to the bank e Cancelled The file is cancelled by the user e Accepted The file is accepted by the bank e Rejected The file is rejected by the bank for some reason the description of the reason is mandatory The uploaded file gains the status Accepted or Rejected in accordance with the Bank decision to accept or discard the file Upon accepting or rejecting the uploaded file the application automatically generates an item in its News section e Customer name Users may filter the uploaded files per customer should they select one from the drop down list e Group Files can be filtered by groups as well This allows users to view only files assigned to specific group e Date Uploaded files can be sorted by dates of upload e RefNo Files may be filtered by the reference number of the transaction they are linked to e File Info This field allows for filtering the uploaded files by the original name of the uploaded file Users may enter the name of the file or part of it and perform
15. for accepting files with errors and the number of errors is within the error tolerance error payments are up to 5 of all uploaded payments the file is uploaded successfully In the process of upload IOL system calculates a hash value on the file level checksum When file with the same hash value already exists in IOL a warning message will notify the user that the file with the same content is already uploaded The file can also be deleted after upload if needed e Step 4 Process the uploaded file Uploaded files can only be processed as a locked package See Processing of uploaded files and Packages for details The structure of the salary payment file is as follows Record number Payment order Document date Beneficiary name Amount Beneficiary account number Beneficiary bank BIC Payment details All fields are mandatory to be filled in The following is an example of a file with salary payments for two employees 1 03 21062011 Bonoga YUBaHOB 8965 32 40702810800410000346 044525219 nepeBog sapa6oTHOM maT 2 04 21062011 Jleonun Mamaes 2345 78 30301810867006004500 047102651 nepeBon Bapa6oTHOM NMJIATH Once a Salary payment file has been signed and sent by the user it will be reviewed by the Retail Customer Service department which can accept or reject the file before it is downloaded to the Russian SFTP server for further processing Users can see wheth
16. information about these groups he has to select one or more groups in the account drop down menu CTRL click or SHIFT click for multi selection select desired date or period choose a summary option from the summarize drop down list and click BUG The output screen shows the groups balances summarized by the chosen option The result is converted to the predefined reporting currency Movements ING Online clients find this function quite useful as it gives thorough information for account movements Users can define selection criteria to view different subsets of movements selected by account period of time or even data contained in the payment details The filters area is expandable and offers various filter criteria type of movement debit or credit currency beneficiary amount reference details of payment book date and value date of the payments The field amount is used to enter an amount range in the reporting currency Users have the option to summarize the information for movements according to chosen filter criteria as well as to export it into a downloadable MS Excel file The following table shows an example of a movement report Figure 5 XXXXXX1 USD 20 May 2008 01 Jun 2008 10 300 00 CR XXXXXXXXXXXXXXXX 10 300 00 S XXXXXXXXXX XXXXXX2 RUB 19 May 2008 01 Jun 2008 30 000 00 DR XXXXXXXXXXXXXXXX 30 000 00 S XXXXXXXXXX The downloaded MS Excel file contains the same column headings as shown on the screen wit
17. table with transactions After choosing a filter filters user have to click the button to display desired results Filter criteria are e Account Users may filter the transaction information in regards to a specific own account Type of payment The information may be filtered by types of payment e Currency Filtered by type of currency e Status Transaction information may be filtered by status of payments possible options are All New Signed with first signature Signed with second signature Sent Registered in the Bank and Cancelled e Beneficiary Here users may enter any information identifying a certain beneficiary E g part of Beneficiary s Name Account number or Bank code to display transactions matching these criteria e Date Dates and periods may be chosen to filter transactions In addition users have the option to constrain periods and dates to Book date Value date or Sent date with the help of the respective check boxes E g Users can create a report by Sent date to list all transactions satisfying selection criteria sent to the bank on a given date or through a certain period Amount Transaction can be filtered by the amount of transfers as well The amount field is divided into two fields with the first field being the field where users enter the Amount from figure and the second being the Amount to field e Reference Users may filter transactions by
18. their reference number assigned This filter field accepts only digits with no spaces and the whole reference number has to be entered e Details Transaction records can be filtered by the information contained in their details part as captured or uploaded The check box with details turns on and off details information for every transaction record in the table e Package Users may filter transactions according to them being part of a package or not Additionally users may choose he package by which transactions are going to be filtered by If the User selects option Show the report will include all payments satisfying the selection criteria including the payments from the Packages Users may go further and select one specific package from the list of all packages in the combo box on the right the report will display only the payments in the selected package Users may also manually create packages from the Add Remove Trx combo box item See Packages for more details Another useful option provided for in Transactions by Beneficiary is the option to export transaction information in a MS Excel file The information exported maintains all filtermg applied previously and is sorted by the most recent items first The option Summary creates a summary of transaction records by Type of payment Ordering Account Currency Amount and Count of payments as shown below co
19. validated against their presence and correctness Validating rules vary among countries due to national requirements though some common ING Online User Manual Russian Federation May 2013 7 validations apply fields for account name and name of beneficiary are always validated etc These rules are explicitly covered in the Annex to this document Figure 7 The following validation error occurred Invalid characters in field Beneficiary s Name he valid characters are abcdefghijkimnopaqrstuv xXyZABCDEFGHIJKLMNOPQRSTUVWXYZAB BrOEX3UVUKNMHONPCTYOXUYWWbbWAAaG BrOeK3SNUHKNMHONPCTYPxuywwMbbwAan0123 45 6 789 space DOMESTIC PAYMENT Date E RINGS Date 15 May 2013 4 Beneficiary Beneficiarys Name Test Beneficiary amp Co Beneficiaryyis Resident v In case of noncompliance with the validating rules the application generates an error report in a red box above the transaction form that contains a detailed explanation for the type of errors occurred and highlights the corresponding fields Additionally this report contains a list of the valid symbols for the specific field so that users can easily orient and correct their mistake The following screen shot Fig 11 shows a payment with validation errors in the field Beneficiary s Name and the error report contains the description of the error When hovering over the error description the mistaken field is highlighted and a popup
20. 103 file format with encoding UTF 16 International payments can be uploaded in MT103 file format with encoding Windows 1251 and UTF 16 Domestic payment orders 1C File format The text files in 1C format contain lines and fields One line contains only one field The structure of the field is the following lt identifier gt lt content gt lt CR gt lt LF gt The identifier is case sensitive and contains no spaces There are no spaces before and after the sign as well The file contains a header section with service data and a document section with the data about the payment order The fields can be in random order inside one document section A document is validated by the payment account date of issuing type of the document and the number of the document Two or more documents with the same number and type for one account and issued on the same date are not accepted The figure below shows an example of 1C file format ING Online User Manual Russian Federation May 2013 29 Figure 29 1CClientBankExchange Bepcus opmata 1 01 KoqupoBKa Windows TaraHayana 25 11 2008 TatraKonua 25 11 2008 PacuCuet 40702810602001002032 CexuusJloxyMeHta linarexHoe nopyyueHue Homep 368 Jatra 19 11 2008 Cymma 115207 2999 lnatrenbumkCuet 40702810400001001905 lnatresbumkKMHH 4218000951 lnatenbumkl Tect KOMNAHMA NnatresbumkKBUK 044525222 NnatrenbumKkKopCuet 30101810500000000222 lnarenbumkBaHkl AHI EBpasua lnatTes
21. 19 20 21 22 23 24 25 26 al 28 29 30 31 ING Online User Manual Russian Federation May 2013 file upload the default value during file upload the default value given below Figure 30 1 PayDocRuTP 01 03 2013 2999 810 40702810500101000010 041012603 30231810500400054045 555 Komnannua 2801089967 1000 00 vo01010 PS08070095 2495 0000 3 0 Axunus Ba deBpanmp 2013r 06 B tom unce HIC 9 09 Py6 01 771401001 280101001 18210101000000000110 100568987 TI MC 02 2013 123 647 nok 16 03 2006 HC jend SEE EE EEEE E SSON l O Oleee has to be used The field Type of the operation is not present in the file format either has to be used An example of a payment uploaded in Domestic Payment format is MT103 file format ING Online provides for the upload of domestic payments in the SWIFT MT103 file format The file contains a header and a payment section A brief overview of the structure and fields of the MT103 file format is given in the following example Detailed explanation of fields is available in the Annex to this document Figure 31 01 REF123 02 681 55 0321 04 ING BANK EURASIA ZAO 205 206 07 local_payment txt 7 20 88 23B LCY 32A 090312EUR681 55 50K CONFECTIONERY SWEETS CANDY INTERNATIONAL MOSCOW 52A D 40702810400001001905 044525222 gt 57A 044525222 59 40702810400001001905 COMMERCIAL FLIGHTS LTD
22. 21 Feb 2011 407638 Domestic Payment New 40702810000001000940 12 345 54 RUB 044525222 40702810400001001905 Test Beneficiary 2 International 16 Feb 2011 16 Feb 2011 407637 Payment New 40702810600001001802 345 00 EUR INGBSKBX BG80BNBG96611020345678 Test Beneficiary 3 16 Feb2011 16Feb2011 407636 Domestic Payment A First 40702810000001000940 500 00 EUR 044525222 40702810400001001905 Test Beneficiary 4 Group Total 13 190 54 EUR Total 13 190 54 EUR ING Online users may organise their accounts in groups as explained in the section Personal Settings The function Transaction by Group allows users to filter sort summarise and print transaction records for transfers executed through accounts belonging to one or more previously defined groups of accounts as well as for all accounts users have rights to execute transfers with Transaction records may be filtered by type of payments status of payments beneficiary account dates and periods amount range beneficiaries and users Users may also summarise transaction records by currency customers and branches Sign Figure 45 Transactions to Sign Print Help Filters l From To Account Date 21 Apr 2009 z 21 Apr 2009 E Book Date Reference El Type Bd Amount O Value Date Currency z El Status Details PF with details Beneficiary Packages Show zl 21 Apr 2009 21 Apr 2009 Foreign Exchange New 40702810000001000940 12 345 54 Test Beneficiary 2 International Sig
23. 6611020345678 Ben Name 2 Edit 7 Signed with First Signature 40702810000001000940 1000 00 RUB 044525222 40702810400001001905 Ben Name 3 i O 16 Feb 2011 16Feb2011 407636 Domestic Payment DELETE gt SELECT ALL gt re The function Edit Cancel is used to edit or cancel a particular transaction Upon entering this function users see a list of all documents they have rights to edit In case editing is done after first signature or even after second signature of the transaction the old document remains with status cancelled and a new document is created which has to be signed Again users choose and select the payments they want to edit and click on Edit in the Edit column of the table with payments Cancellation of payments is done accordingly select payments or select all payments through the button Select all and then click on the button EEE Similarly transaction records may be filtered through the filters box Documentary files The function Documentary Files gives the possibility of file exchange between the Bank and the Customers These files usually deliver additional information about transactions in case of customer to bank files The function Bank to Customer files enables the Bank to publish general information for all customers as well as targeted information on a customer level Customer to bank files As mentioned above ING clients can upload files with information to the Bank in order to f
24. DETAILS ROW 2DETAILS ROW 3DETAILS ROW 4 he function Transactions by Beneficiary generates a list of all initiated transactions for review with beneficiary information he information represents the following transactions requisites e Entered The date of actual capturing uploading of transactions e Value date The value date of the transactions e Reference The reference number assigned to the transactions Type The type of transaction The type may be Domestic payment International payment Foreign exchange etc ING Online User Manual Russian Federation May 2013 39 e Status The transaction status From Account The number of the client s account used for the execution of the transaction Amount The amount of the transfer e Currency The currency of the transaction e Ben Bank Code The code of the beneficiary s bank e Beneficiary account The number of the account of the beneficiary e Beneficiary name The name of the beneficiary There is a dedicated line in the report with the details of the transaction In the cases where the transaction is either a domestic payment or a direct debit order the details line of the transaction contains the VO Code used in the payment as well as the text of the details of the transaction All information contained in the table may be sorted by columns upwards or downwards It as well may be filtered by various criteria through the filters box above the
25. Domestic payment form below Manual capturing of domestic payments in the Russian Federation follows the Figure 18 PAYMENT ORDER Ne Date Type of payment Tax Payer Status 12 Apr 2012 3NeKTPpOHHO 02 x Payer amp Amount in words Amount 0 00 INN KPP Acc No 41827810100001001953 RUB 9909987564 Payer Bank Name Moscow BIC 044525222 ING BANK EURASIA Acc No 30101810500000000222 Beneficiary Bank Name BIC gt Acc No Beneficiary INN KPP Acc No Transaction type Payment priority Tax Details CBC OKATO Tax Basis Tax Period Doc No Doc Date Paym Type Details The fields highlighted in red are fields which are required In case these fields are not filled the application generates an error in the domestic payment order is given below captured transaction during a day must have an unique number Payments are accepted only if the date report and advises the user to fill them The box for details for the ordering party is expandable A brief explanation of all fields No The number of the payment document is required to be indicated This field may contain only digits different from 000 Any Date The user indicates the date of registering the payment in the system By default the date shown is the current date is not earlier than 9 days before the current day The drop down menu offers a smart calendar for easy operation Manual entering of the date is
26. ING Online from the Back office systems The Balance information based on the Account statements is marked with S in column The table below illustrates the structure of the balance report generated by the application Figure 4 Account i Credit Intraday XXXXXXXXX1 USD 20 May 2008 999 999 999 00 10 300 00 999 999 999 00 XXXXXXZZX2 RUB 19 May 2008 999 999 999 00 30 000 00 999 999 999 00 999 999 999 00 999 999 999 00 wn gt Additionally all users may select specific filtering of data a single account balance or all accounts balances for any period of time or on any given date Example In order to obtain information for the balance of an account for the period 9 12 December 2008 the customer has to select the desired account from the drop down menu then select 9 December 2009 in the first date filed and 12 December 2009 in the second date field and click EI The output screen shows the balances for that specific account during that period day by day ING Online User Manual Russian Federation May 2013 5 q he information for accounts balances can be sorted by clicking on the column headings in the table Information for the account balances contains Opening balance Debit and Credit turnovers and Closing Balance in the original currency of the account The last column of the table showing account balances contains the closing balance of the accounts converted to the reporting currency at the
27. Please select file max 3Mb Browse Users may opt to group uploaded files This allows for group signing and sending of files In this case they have to either create a new group or choose a group previously created Groups are created on a customer level Two different customers cannot share a group Groups are created similarly to manual package creation Users have to click the small arrow in the box next to Group and the application shall display all groups of uploaded files created for this customer Users may choose an existing group from the drop down list and it shall automatically be applied to the uploaded file If users choose to create a new group they have to only type the name of the group in the box Add new group here and click the Add button as shown below Figure 50 Add new group here Invoices Scans Docs Misc Each group of files shall have an unique number automatically assigned by the system When uploading multiple files at once hey cannot be set to different groups each They shall share the same group if grouping is applied Later they can be removed ING Online User Manual Russian Federation May 2013 45 from group assigned to a different or a new group The uploaded file s can be found signed optionally and sent under the submenu Customer to Bank Once sent C2B files cannot be cancelled Figure 51 Customer to Bank Print Help Filters Document type yl Date
28. TWO O In order to download a statement in the different file formats ING Online Users have to select the accounts by clicking in the check box next to the account select the desired date or period and click the corresponding buttons either for MT942 for MT940 for IG donmator for PDF files Note Please save generated files on your hard drive before opening Transactions ING Online offers various ways to enter transactions for all types of transactions such as domestic and international single payments direct debits etc for accounts held with ING Bank e Manual capturing e Using the template database e Via file upload Transactions can be initiated in both local and foreign currencies When using ING Online for single or bulk payments the system validates the payments for completeness and correctness This ensures higher straight through processing Common features and functionality of transactions among different countries are Validation of fields All information and details for transactions are communicated with ING accounting system in a predefined format Therefore data sent to ING must comply with the set requirements for this format ING Online intuitive and easy to use interactive transaction forms actually transform user input data into this strict system file format The basic idea is that every single record in the transaction form is assigned to its own designated field in the system format and these fields are
29. Tax details appears only in the cases where the user initiates a tax payment and selects the type of this payment in the field Tax payer status The fields in the tax section may contain 0 in case no relevant information can be entered in a specific field CBC In case of transfers to the budget the field for CBC Code for Budget Classification must be filled in Users can either manually enter the full CBC code or search for the correct code that matches best the type of transaction using the drop down list to the field Minimum three symbols are required for the execution of the search function OKATO This field is designed for the code OKATO Russian Classification of Objects of Administrative Division The code is mandatory to be filled in case of budgetary payment Tax basis ING Online users have to enter the two letter code for the basis of the budgetary payment O in case of uncertainty or the payment cannot be defined correctly or select it from the drop down list Tax period Users have to select the tax period the payment applies to The application offers a smart drop down menu for easy entering the desired period Figure 19 Year Half Quarter First ten days Second ten days Third ten days Month 0 ING Online User Manual Russian Federation May 2013 15 The period of the tax payment have to be selected using the interactive form that appears when users click in the fi
30. age See Personal settings The default setting is 250 rows per page as the Select All button is no longer shown should the number of transactions waiting to be signed is greater than 250 Accordingly the initial Sign screen displays all transactions with the sign check boxes selected by default so that users may sign all transactions with a single click irrespective of their count In case users do not need to sign all transactions they can deselect the transactions they do not want to sign and sign the rest Users may filter transactions to be signed the same way as in Transactions by Beneficiary to obtain desired views and results Note Information for packages waiting to be signed is not included in the Sign screen Signing of packages can only be executed through menu item Packages Sign screen Note Payments with value date older than 10 days from the current date cannot be signed and sent Send Figure 46 Transactions to Send Print Help Filters From To Account Date 21 Apr 2009 21 Apr 2009 Book Date Currency Reference Status E Type z Amot O Value Date El E Details FE with details Beneficiary Packages Show zl 21 Apr 2009 21 Apr 2009 982 Domestic Payment Signed wih second 40702810000001000940 1000 00 606035007 Test User 1 Test User 2 SELECT ALL gt 40702810000001000940 1000 00 RU The function Send is used to view and send all documents ready for sendin
31. also manually create packages of transactions ING Online supports locked packages and unlocked packages Locked packages Transactions contained in locked packages are treated as one entity and can be signed and sent through Packages Sign and Send Transactions in locked packages always have the same status and cannot be modified signed and sent individually until package is unlocked Once a package is unlocked it cannot be locked again Locked Packages are created via File upload if selected by the user when processing an uploaded file Transactions contained in a locked package are marked with the following symbol Unlocked packages Unlocked packages may contain transactions grouped by user defined criteria irrespective of transactions current status Thus unlocked packages may consist of transactions with New Signed with Sent or even Cancelled status For Unlocked Packages it is allowed to modify transactions as well as add remove or cancel transactions Unlocked packages can be signed and sent through Transaction Management Sign and Send Unlocked packages are marked with B next to the type of payment Creation of packages ING Online users can create packages manually or by uploading files with transactions Packages from uploaded files As explained in Files Upload all transactions uploaded with a file become a package of transactions The default name of the package is th
32. ame Document type RefNo Cust Comment Bank Comment Actions VIEW 368 C SPM pdf Accepted 1 Inv x Test user 1 08 Mar 2009 10 41 49 Test user 1 08 Mar 2009 10 42 12 Test user 2 08 Mar 2009 10 46 40 Test user 2 08 Mar 2009 10 46 59 10 Mar 2009 Test Company Invoices 865 Invoice 345 768 OK View Upload new C2B Upload new C2B to Payment The buttons View and Upload new C2B are always active even if the file is already accepted or rejected by the Bank If the file is linked to a transaction then the button Upload new C2B to Payment is also active This gives the opportunity to easily upload a new file linked to the same payment The functionality of the View screen is relative to the status of the uploaded file Users may sign send cancel or upload new files linked to the respective payment Additionally all information about an uploaded file is given in a detailed view If an uploaded file is linked to a payment the reference number of that payment is active A click on the reference number directs the user to the transaction screen where all applicable actions with transactions can be executed Users may also change delete or add the file to a group Once in status Sent C2B files cannot be cancelled by the user ING Online User Manual Russian Federation May 2013 47 Bank to customer files The function Bank to Customer provides for the upload of files from the Bank to the Customer I
33. anual Russian Federation May 2013 19 information Upon successful completion of data entry users have to click the button in order to attach the ground information set to the payment order After the attachment of the ground information the form is emptied and is ready to be filled in again if another set of ground information is required to be attached to the payment Ground information can be edited or deleted at any time before sending the payment order to the bank Amount The amount of the transfer is mandatory to be filled in Currency The field for the currency has to be filled in as well Deal Passport Number DP The number of the of Russia on the procedure for recording foreign currency transactions and for formalizing deal passports The should be input in the following format NNNNNNNN NNNN NNNN N N where N is a digit from 0 to 9 ion is made In case users fill a contract Contract number The number of the contract if it exists under which the transac number then the field Contract date becomes mandatory to be filled in Contract Date The date of the contract mandatory to be filled in when Contract Number is present on currency of the deal passport Amount in currency of DP The amount of the transfer expressed in the denominati Currency The denomination currency of the specified amount as from the drop down list 01010 99090 FCY Operation Code The foreign currency operation cod
34. ate Recurring Payment order RPO e Step 2 In these forms users have to place a tick in the check box After that the field expands and allows users to enter additional data for the recurring payment Figure 24 Recurring Payment order WMI Create a template Recurring Payment order RPO Alias Start date End date Repeat every e Step 3 Users have to type an alias for the recurring payment choose the start and end dates as well as the frequency of the payments All fields are mandatory to be filled in Figure 25 Recurring Payment order Alias My first recurring payment Start date 13 Mar 2010 Next execution on 13 Mar 2010 End date 13 Mar 2011 Repeat every Month e Step 4 Click and the template for recurring payment is complete e Step 5 Sign and send the recurring payment order through Sign Send in the actions box under the payment order The created payment order template has to be signed and sent in order the repetition mechanism for the payment to be triggered When the RPO template is in status Sent the application will automatically generate payment orders in status Sent according to the chosen schedule The first payment order will be created at 00 00h on the chosen start date If this is the current date the first recurring payment order is created immediately It has to be kept in mind that in case the execution date of any scheduled payment is a nonworking day the payment will be executed on the n
35. ay 2013 3 Another powerful feature of ING Online is the introduction of a reporting currency ING Online users may select a reference reporting currency and keep track of multiple currency accounts in uniformity Security is one of the keys to the success of ING Online User access is protected from unauthorized logon by advanced protection methods such as strong encryption technology digital certificates and smart cards protected with PIN ING Online strictly complies with local regulations and standards Therefore the application for each country includes specific features to best comply with local legal requirements and customers needs Country specifics are covered in the Annex to this document News ING keeps its customers informed on important general and personal news topics Rates Here ING customers have direct access to the foreign exchange rates of ING bank as well as the actual fixing rates of the local national bank The actual exchange rates of the national bank are applied when reporting in different currencies Account information After a successful logon with a click on account information in the left menu of the application users may choose among four different ways to obtain information for their accounts ING Online keeps information for all accounts that are registered with ING customers Registration of accounts is done manually by the Administration site and provides possibility to register and access accounts from
36. ayment Files The Bank will only process transactions that have been sent with all gt Packages required signatures gt Transaction ING Online News ING Online Files Management 01 Jan 2010 IMPORTANT ING Online available in Russia 23 Sep 2010 03 25 NEWSLETTER Documentary Files 01 Feb 2010 TMI European Cash Management Award 2009 for ING Newsletter doc 100kb More news More files User Limits gt gt gt Personal settings gt Security gt Log out ING Online is a fast and flexible banking service which allows ING customers to securely execute bank transactions via Internet Alongside it offers great functionality in respect of obtaining accurate up to date and comprehensive information for customer s accounts balances and movements for any period of time ING Online is easy to integrate with customer s systems through import of files with account statements and exporting payment orders from accounting programs EPR TMS Besides payment and reporting services ING Online offers numerous other services such as online exchange rates up to date information on deposits and loans and more Furthermore ING Online is easily personalized Not only can ING customers customize their screen views and reports but change the names of their accounts and assign them to groups they can comfortably work with later Users may also define and save templates for their transactions ING Online User Manual Russian Federation M
37. box with the allowed symbols for this field is displayed Users can see that the symbol is not allowed for this field and can quickly correct their error Completion of transactions The steps for completing a transaction by manual capturing in ING Online are the following e Step 1 Open and fill the desired interactive transaction form from the left side menu of the application under the tab gt Transactions e Step 2 Save the transaction form by clicking on the button SAVE gt e Step 3 Sign the transaction by clicking on Sign in the Actions box under the transaction form e Step 4 Send the transaction click on Send in the Actions box under the transaction form Display of amounts A convention for displaying of amounts exists throughout the application All amounts are displayed as 999 999 999 99 where the applied to all amount fields decimal separator Examples Ifuser enters 1800000 the system displays it as 1 800 000 00 Ifuser enters 1800000 00 the system displays it as 1 800 000 00 Ifuser enters 1800000 00 the system displays it as 1 800 000 00 Ifuser enters 1 800 000 00 the system displays it as 1 800 000 00 Ifuser enters 1 800 000 the system displays it as 1 800 00 Actions with transactions housands separator is comma and the decimal separator is dot This amount mask is applied to all amount fields in he application and includes not only transactions but also amo
38. bumkBaHK2 MOCKBA linatrenbumKPacuCuet 40702810602001002032 NonyuarenbCuet 30301810131000607100 NonyuatenbUHH 7 707083893 Nomyuatrenb 1 ABAKAHCKOE NomyuatenbBUK 0 40407627 NomyuatrenbKopCuet 30101810800000000627 llonyuatrenmbBbaHK1 CBEPBAHKA P NomyuarenbBaHk2 KPACHOAPCK NonyuarenbPacuCuet 30301810131000607100 BugyOnnats 01 Buglinatrexa s8eKTPpOHHO OuepegHocTB 06 HasHauennellnatexa Bimiiata QUBUTeHTOB lnarenbumKKIIl 997550001 NonyuatrenpkKIl 190002001 CratrycCocTaBuTesa TloxasatTesKBK OKATO TloxasatTesbOCHOBaHNaA lloxasatespllepuoya NoxasarenbHomepa TloxasatTenblarsi TloxasatenpbTuna KoHnenJIokyMeuHtTa Koneufanna ING Online User Manual Russian Federation May 2013 Domestic Payment file format Files uploaded in Domestic Payment format are text files in which each payment field occupies a separate line There is not any separator between single payments in the file the first line of the next payment starts right after the last line of the previous payment Any mistakes in validations rules or missing lines either mandatory or optional shall lead to the rejection of the payment All optional lines or fields in a payment have to be always present They may be left blank or contain spaces but must never be omitted as it would lead to rejection of payment as well The field Type of payment is not present in the file format during l oie DO Zlo IN Io CO IN 1D Ca
39. df 1 2 MB ING Online User Manual Russian Federation May 2013 48 User limits The user limits report provides information for used limits There are three types of limits in ING Online e User to customer limit The maximum amount that a user may utilize through signing transactions on behalf of a certain customer in a defined period of time e User to account limit The maximum amount that a user may utilize through signing transactions from a certain account in a defined period of time e Maximum sending limit The maximum sending limit restricts users from sending a payment which amount exceeds the set maximum sending limit though users can still sign payments with amounts higher than their maximum sending limit User limits in ING Online can be daily weekly or monthly The used limits are cleared every night at 00 00h after the transactions are sent to the bank for execution If a transaction is cancelled the limit used by this transaction is released immediately The weekly limits of the users are released every Monday at 00 00h The monthly limits are released at 00 00h on the first date of the month The amount of the transactions signed and not send in one day is transferred for the next day as used limits Figure 54 Report generated on 15 Mar 2011 02 47 14 PM All limits presented are in RUB User Sign Limit DAILY 20 000 00 18 000 00 Name Send Limit PER TRANSACTION 200 000 00 User Customer User to Customer Limits
40. ds is set to 8 The users are blocked after more than 3 consecutive unsuccessful logons Password validity checks implemented in ING Online client site are the following e Password length must be at least 8 characters e Symbols accepted are all from Latin alphabet digits from 0 to 9 and special symbols amp lt gt _ e Maximum length of password is 50 symbols The password should contain at least one digit one character and one punctuation symbol The system will force a password change once in a 60 days period and the new password must differ from the previous password by at least 3 characters The passwords are checked for triviality they cannot be simple aaaabbbb 01234567 password or computer etc Password history is kept for one year The new password should have not been used within the last 12 months ING Online users shall receive a notification message if their password expires in less than 6 days The message contains a link which leads to the password change screen Digital certificate The Digital Certificate function gives the possibility to review information about the digital certificate issued on behalf of the user its starting and expiration dates as well as issuer of the certificate Secret questions and answers The Secret Questions and Answers function is used to set secret questions and answers to be used in case the user has forgotten his her password The rules for questio
41. e SHA ING Bank charges are paid by the ordering party and the beneficiary bank charges are paid by the beneficiary BEN All charges are paid by the beneficiary Charge Account The number of the payer s bank account from which the charges are to be paid in case the charge type selected is OUR or SHA The account can be chosen from a list of all the accounts for which the user has the right to initiate payment orders in foreign currencies or RUB Details of Payment At least one field is mandatory to be filled in with details of the payment E g invoice numbers messages etc Official Info Name The name of the official contact person of the customer mandatory to be filled in Phone The telephone number of the official contact person of the customer must be filled in Ground Information The section for ground information must be adequately filled in for the transaction to be executed Ground information is not needed only when the payer account in the transaction is a non resident account starting with 40807 ING Online users are expected to fill in either a Deal Passport number a Contract number or some comments in the comments fields in order to supply a justification for the transaction and comply with the requirements of the Central Bank of Russia In case a user does not supply ground information the transaction cannot be saved A single transaction may contain more than one set of ground ING Online User M
42. e file name of the uploaded file When processing the uploaded file users can give an alias or a friendly name for the package If users place a tick in the Locked Package box when processing the uploaded file then the created package will be a locked package otherwise it will be an unlocked package Figure 34 Processing Print Help Filters From To Date 21 Apr 2009 21 Apr 2009 B File Info Uploaded By Locked package Name F8226 test text 668 bytes SHA1 Checksum Test User 1 4016 MT100 Path test txt 21 Apr 2009 Yes Payments 1 No Total 10 Accepted 1 Rejected 13 09 16 Name F8227 test_sal text 885 bytes SHA1 Checksum Test User 2 21 Apr 2009 laries M 4017 MT103 Path C test_sal txt Apr 200 IV __ salarie Manual creation of packages ING Online application provides the opportunity to manually create packages for the purpose of grouping of transactions according to users criteria Manually created packages are always unlocked If a transaction from the package needs to be modified prior to sending to the Bank then it is automatically cancelled and remains in the package with a status Cancelled while the new transaction derived from the modification gets status New and is not included in the package Manual creation of packages can be done through Transactions Management Transactions By Beneficiary or Transactions By Usem ING Online User Manual Russian Federation May 2013 36 T
43. e is mal down list or entered manually A search function is built in as well The operation codes are five digits in length and in the range Expected date The field Expected date is available only when following values 11100 21100 23100 and 23110 ndatory to be fill deal passport issued in accordance with Instruction 117 I of the Central Bank DP number per deal passport or contract document may be selected ed in and can be selected from the drop he FCY Operation code has value equal to one of the Comments Users are able to insert comments in justification and clarification of the transaction In some cases when a DP or a contract do not exist the field Comments is used to justify a transaction The application checks for the presence of either DP a contract or a filled in comments field when saving the transaction Permissible symbols and length of fields Fields Permissible symbols Length of fields Beneficiary Account No 2 0 A Z 0 9 1 34 Date Current date minus 10 days No 0 9 3 10 Charge account 0 9 20 SWIFT Code A Z 0 9 8 11 Country A Z 2 Names addresses details of Q a ZA Z0 9 1 35 payment Contract number LOCAL_ALPHABETa zA Z0 9 No _ amp 5 20 Expected date Current date plus 7000 days FCY Operation Code 0 9 3 10 Comments LOCAL_ALPHABETa zA Z0 9 No _ amp 255 Deal Passport Number 0 9 22 ING Online User Manual Russian Federation May 2013 20
44. ederation May 2013 44 Figure 48 Customer to Bank File Upload Select Customer Group Link to payment number Document type File description Please select file max 3Mb Browse _ Use document type and file description for all uploaded files Here users have to select a customer choose the document type type a brief file description optionally select the file for upload by clicking on Browse and upload it through the Upload button The payment reference number is automatically filled in if users choose Option 1 With Option 2 users have to manually enter the reference number of the transaction they want to link the uploaded file to Should users choose to upload a file not particularly linked to a payment they may not enter a reference number but in this case the uploaded file can no longer be linked to a transaction Another handy feature of ING online is the possibility to upload multiple files simultaneously This can be achieved after clicking on the Add button A new form for uploading a file shall open and users can browse for the next file to upload see Fig 65 Users may upload up to five files at once The total size of uploaded at once files cannot exceed 5Mb If the check box Use document type and description for all uploaded files is checked the application shall apply the same type and description for all uploaded files Figure 49 Document type File description
45. eld It consists of three drop down lists The first one contains the type of period year half a year quarter etc The second and the hird drop down lists become active if the selected type of period needs further clarification e g if an user has selected First en days or Month etc the month and the year that correspond to that period must be selected from the drop down lists respectively Doc No The number of the relevant document the tax payment derives from Doc Date The date of issue of the document the payment is based on Payment type The type of tax payment Here users have to either select from the drop down list the two letter code for the specific type of budgetary payment Example fines administrative sanctions regular tax payments etc or enter it manually 0 stands for undefined type of budgetary payment Valid types of payments to the budget are as follows e HC Tax payments e AB Tax payments in advance e IE Penalty payments e CA Tax sanctions in accordance with the Russian Tax Code ALU Administrative fines e NU Payments of fines in accordance with other legislative acts e JI Payments of duties and levies e T Payments of taxes e B3 Payments of contributions e 0 Undefined Details At least one symbol have to be entered for details of payment ING Online users have to enter free text in order to provide detailed information about the payment The first l
46. eld The minimum size of the search phrase is three symbols Users are invited to narrow their search if numerous matches are found The application fills in all other fields with data for the beneficiary bank corresponding to its BIC code name and location as well as the number of the correspondent account NOSTRO account of the beneficiary bank used Beneficiary Acc No The account number of the beneficiary The account number is validated against the BIC code of the beneficiary bank and to be an account in rubles INN The INN Tax Identification Number of the beneficiary if such is assigned KPP The KPP Taxpayer Registration Reason Code of the beneficiary The beneficiary KPP is mandatory to be filled in in case of tax payments Details for the beneficiary the first field from the details for the beneficiary is mandatory to be filled in with the name of the beneficiary In the other fields users may enter any data regarding the beneficiary address city etc Transaction type This field is locked for editing and is always 01 in accordance with the rules for keeping business accounting records in credit institutions situated in the territory of the Russian Federation Payment priority According to local legislation the field for priority of payment can accept values 1 2 3 4 5 6 or 01 02 03 04 05 06 The field can not be blank The default value if 6 or 06 normal priority Tax details Note The section
47. er the file has been accepted or rejected from the bank staff ING Online User Manual Russian Federation May 2013 34 Processing of uploaded files Users have to process the files after upload so that the payment details from the uploaded file are unpacked extracted and transformed into transactions The options for modifying a transaction that is uploaded with a file are the same as the options for manually captured transactions In case of upload of identical files identical content and not file names the application warns the users that a file containing the same information has already been uploaded irrespective of file being processed or not The processing screen contains a list of uploaded files By default the processing screen shows most recently uploaded files Below is an example of a processing screen Figure 33 Format File info Uploaded by Process Package BaH NBaHOB p a 5962 MT103 Name 20063 pack1 txt 2146 bytes SHA1 checksum 02 03 2009 o Path C packs pack1 txt 14 51 59 7 The column No shows an automatically generated consecutive number for every successful upload of file q The Format column contains information for the file format File info contains information about the name size and the path the location of the file on the client s computer of the uploaded file and a SHA checksum algorithm for file identity purposes The SHA1 checksum value can be copied to clipboard and pa
48. er to fill them The box for details for the ordering party is expandable A brief explanation of all fields in the international payment order is given below Document Number The number of the payment document is required to be indicated This field may contain only figures different from 000 Document Date The user indicates the date of registering the payment in the system By default the date shown is the current date Payments are accepted only if the date does not precede the current date with more than 10 days The drop down menu offers a smart calendar for easy operation Manual entering of the date is also possible either in the following numeric format DD MM GGGG or in mixed format the day in figures the month in words and the year in figures Example 1 July 2011 Senders Official Name The name of the official contact person of the customer Phone The telephone number of the official contact person of the customer Ordering Details OKPO The customer code under the All Russian Classifier of Enterprises and Organizations O6 4epoccn ckn KnaccudcbukaTop npegnpnatTn n opranusaunn INN The INN Tax Identification Number of the customer if such is assigned Transit Account The number of the customer s bank account that will be used for the remittance of foreign currency proceeds he account can be chosen from a list of all the accounts which the user has the right to use as transi
49. ets of transactions selected by account period of time type and status of payments payment details currency beneficiary amount reference and dates Users may also choose whether to view packages or not The field Amount is used to enter an amount range and the currency for that amount is the reporting currency Users have the option to summarize the information for their transactions according to chosen filter criteria as well as to export it into a downloadable MS Excel file All reports in Transaction Management are limited to six month period Transactions by beneficiary Figure 40 Transactions by Beneficiary Print Help Filters From To Account Date 16 Feb 2011 16 Feb 2011 Book Date Type Amount O Value Date Currency Reference O Sent Date Status Details O with details Beneficiary Packages Show x COLUMNS ees Jvowecne eens ee sets ram tent nan ouren Senna orto resect 16 Feb 2011 16 Feb 2011 407639 Domestic Payment 40702810000001000940 10 000 00 EUR 044525222 40702810400001001905 Test Beneficiary 4 Details VO12345 DETAILS ROW 1DETAILS ROW 2DETAILS ROW 3DETAILS ROW 4 16 Feb 2011 21 Feb 2011 407638 International Payment Sent 40702810600001001802 12 345 54 EUR INGBSKBX BG80BNBG96611020345678 Test Beneficiary 2 Details Details1 16 Feb 2011 16 Feb 2011 407637 Domestic Payment Cancelled 40702810000001000940 1000 00 RUB 044525222 40702810400001001905 Test Beneficiary 3 Details VO12345 DETAILS ROW 1
50. exchange rates of the local national bank for that day This conversion serves only informational purposes ING Online customers may always print any information through the print button in the upper right corner of the screen The printed document is in HTML format and contains the current view on the screen Additionally ING Online provides another practical option to export the information in a MS Excel file that can be downloaded and stored in the client s computer The information in this output file remains filtered if filtering has previously been applied For that purpose the customer has to click to download the information Note Please check that you downloaded the file and saved it on your hard drive instead of opening it straight from the application If some cells in the file contain please increase the width of the columns of your workbook in order to see properly the information contained therein Balances by group This function is similar to Balances function and is very helpful for accounts already organized in Groups Organizing accounts in groups is covered in the information about personal settings in ING Online For details see Personal settings The idea is to group some accounts on the basis of certain criteria and use specific summary options to obtain essential information The balances information can be summarized by Currencies Customers and Branches If a client has some account groups and needs specific
51. ext working day Another smart feature of ING Online RPO mechanism is the introduction of date variables These date variables can be entered in the details section of the RPO template Upon execution of the recurring payments resulting from the current RPO template hese dates are replaced automatically with the current system dates Variable Description Value on Execution date DD Date Equal to the execution Date ING Online User Manual Russian Federation May 2013 26 MM Month Equal to the execution Month YY or YYYY Year Equal to the execution Year Date related variables have to be placed in parenthesis within the field of Details of Payment E g MM DD YYYY A plus or a minus sign or a number can be added to any of the date related variables to affect the actual value generated on creation time Here are some examples to visualize the use of date variables Detail in RPO Template RPO created on 20 May 2010 Rent for the office for MM YYYY Rent for office for 05 2010 Rent for the office for MM 1 YYYY Rent for office for 04 2010 Rent for office for period from Rent for office for period from DD MM YYYY to DD 1 MM 1 YYYY 20 05 2010 to 19 06 2010 Rent for the office for YYYY 1 Rent for office for 2011 Recurring payment order templates can be reviewed in the recurring payment orders report This report is accessible through the left menu of the application under Recurring payment orders Rev
52. fer expressed in the denomination currency of the deal passport Currency The denomination currency of the specified amount as per deal passport or confirmatory document may be selected from the drop down list FCY Operation Code The foreign currency operation code is mandatory to be filled in and can be selected from the drop down list or entered manually A search function is built in as well The operation codes are five digits in length and in the range 01010 99090 Work Type Code The type of service related to the transfer can be selected from the drop down list Comments Users are able to insert comments in justification and clarification of the transaction In some cases when a DP or a contract do not exist the field Comments is used to justify a transaction The application checks for the presence of either DP a contract or a filled in comments field when saving the transaction Permissible symbols and length of fields Fields Permissible symbols Length of fields Senders official name a zA Z0 9 1 40 Date Current date minus 10 days Document Number 0 9 1 15 Senders official phone 0 9 1 20 OKPO 0 9 1 9 Details of payment a ZA Z0 9 1 255 1 80 Country of non resident bank A Z 2 Reference section Ground Q _a zA Z0 9 1 50 Information Number section Advice 1 _a zA Z0 9 1 50 Ground Document Type a zA Z0 9 1 255 Wor
53. g i e documents that already have been signed in accordance with the signing policy of the customer The Send screen lists all documents waiting to be sent to the bank and for which the user has access to the account the payment is linked to and rights to send this type of document Users choose and select payments and click on BEJ Sending of transactions is quite similar to signing of transactions Users can make use of the Select All button up to 250 transactions waiting to be sent Packages informations is not available By default the initial screen displays all transactions with the send check boxes selected Payments waiting to be sent to the Bank can also be filtered in accordance with the criteria in the filters box above the payments area Note Payments with value date older than 10 days from the current date cannot be signed and sent ING Online User Manual Russian Federation May 2013 43 Edit and cancel Figure 47 Transactions to Edit Print Help Filters From To Account Date 16 Feb 2011 16 Feb 2011 Book Date Type Amount Value Date Currency Reference O Sent Date El E Ej Status Details with details Beneficiary Packages Show SHOW gt SUMMARY gt EXPORT gt 16 Feb 2011 21Feb2011 407638 Domestic Payment New 40702810000001000940 12 345 54 RUB 044525222 40702810400001001905 Ben Name 1 16 Feb 2011 16Feb 2011 407637 alr New 40702810600001001802 345 00 EUR INGBSKBX BG80BNBG9
54. h another bank In case the account is held with ING Bank users may select it from the drop down list The currency denomination of the account has to be the same as the currency the user wants to buy If the account to be credited is held with another bank a new interactive section appears enabling the user to fill in the requisites of the other bank account number and BIC of the bank ING Online users may enter the BIC manually or use the search function of the application through the drop down list assigned to the BIC field The application fills in all other fields with data for the beneficiary bank corresponding to its BIC code name and location as well as the number of the correspondent account NOSTRO account of the beneficiary bank used Amount Buy currency and sell currency these fields are automatically filled in by the application in case both accounts are held with ING Bank and represent the currency denomination of the accounts If the account to be credited is held with another bank users may select the currency denomination of this account from the drop down list respectively the currency they want to buy ING Online User Manual Russian Federation May 2013 21 Sell Amount and Buy Amount ING Online offers two options to instruct a foreign exchange deal Either users fill in the maximum amount of currency they want to sell in the field Sell Amount or the maximum amount they want to buy in the field Buy Amount
55. h exception for columns Beneficiary Details Net Amount and Reference e Beneficiary Details is divided into e Counter Party 1 details about the bank code and account number of the counter party e Counter Party 2 details about the name address and city of the counter party e Details details about the payment including justification invoices No etc e Net Amount is split into e Charges the bank charges for the transaction Net Amount the amount of money involved e Net Amount Currency the currency of the transaction e Reference e Reference reference from the accounting system of the bank It includes the transaction ID The transaction ID starts with Transaction type codes as follows e Customer reference account owner reference In case no reference is entered the value is NONREF Operation Type Transaction Type code Statements In this section ING clients have the opportunity to obtain account statements sent by ING Bank Users may preview the statements on the screen or print them in HTML format Generated statements cover account activity on a daily basis ING Online User Manual Russian Federation May 2013 6 Statements include the opening and closing daily balances debit and credit turnovers and a detailed description of account movements post date value date transaction details debit and credit details and references ING Online users may generate accoun
56. he number of the payment document is required to be indicated This field may contain only figures different from 000 Date The user indicates the date of registering the payment in the system By default the date shown is the current date Payments are accepted only if the date no more than 10 days in the past from the current date The drop down menu offers a smart calendar for easy operation Manual entering of the date is also possible either in the following numeric format DD MM GGGG or in mixed format the day in figures the month in words and the year in figures Example 1 July 2009 Ordering Party Account No The number of the payer s bank account from which the money is to be paid The account can be chosen from a list of all the accounts for which the user has the right to initiate payment orders in currencies different from RUB Ordering Party The name and address of the payer s bank Automatically input by the system Amount Amount the amount of the transfer expressed in a currency different from RUB must be specified The amount must be filled in without any delimiter for the thousands The delimiters and are both interpreted as delimiters between the integer part and the fractional part Currency Users have to select the currency code of the transfer from the drop down which contains all quoted currencies in the Exchange rate bulletin of the Bank Beneficiary Name the first field f
57. he process of creation consists of the following steps e Step Users have to expand the filters portlet and choose Add Remove Trx from the Packages item Figure 35 Transactions by Beneficiary Print Help Filters From To Account Date 16 Feb 2011 E 16 Feb 2011 Book Date Currency Reference O Sent Date Status E Type zi Amount O Value Date Ej El Details F with details Beneficiary Packages Show z Show S gt Do not show EXERCE Add Remove Trx COLUMNS 16 Feb 2011 16 Feb 2011 407639 Domestic Payment 40702810000001000940 10 000 00 RUB 044525222 40702810400001001905 Test Beneficiary 4 Details V012345 DETAILS ROW 1DETAILS ROW 2DETAILS ROW 3DETAILS ROW 4 16 Feb 2011 21 Feb 2011 407638 International Payment Sent 40702810600001001802 12 345 54 EUR INGBSKBX BG80BNBG96611020345678 Test Beneficiary 2 Details Details1 16 Feb 2011 16 Feb 2011 407637 Domestic Payment Cancelled 40702810000001000940 1000 00 RUB 044525222 40702810400001001905 Test Beneficiary 3 Details VO12345 DETAILS ROW 1DETAILS ROW 2DETAILS ROW 3DETAILS ROW 4 e Step 2 ING Online users have to expand the drop down menu in the next box enter the name of the package and click the ADD button as shown below Figure 36 Packages Add Remove Trx gt New package name here 345 my_pack 13 Jul 2009 e Step 3 The customer name have to be chosen and confirmed with the button ADD Figure 37 Packages Add Remove Trx gt
58. ies accounts held with ING Bank or other banks specified in the payment order Users may instruct foreign payments only with the accounts they have appropriate access rights to do so and within predefined limits per user Figure 20 ING amp No Date INTERNATIONAL PAYMENT Ordering Party 5 Account No 41827810100001001254 USD zl Ordering Party Amount Amount 0 00 Currency USD x Beneficiary Name Address City SWIFT Bank Name Beneficiary s Bank Address Country Town Country z Account No IBAN J Intermediary Bank Details of charges Charge Type x Charge Account x Details of payment Official Info Name Phone r Ground Information Amount Currency gt Deal Passport DP Number Contract Number Contract Date v Amount in currency of DP Currency gt seeeenneeens FCY Operation code v Expected date 1 y Amount Currency FCYOpCode Deal Pass No Contract Number Contract Date Expected Date The fields highlighted in red are fields which are required In case these fields are not filled the application generates an error report and advises the user to fill them The box for details for the ordering party is expandable A brief explanation of all fields ING Online User Manual Russian Federation May 2013 18 in the international payment order is given below No T
59. iew Another way to access the report is through the quick link View RPO Schedule in the Actions box under the recurring payment order template The Recurring payment orders report displays all recurring payment order templates the user has rights to read sign or send All records can be filtered by alias customer RPO number status payment type date of entry next execution date start and end date as well as dates of signing and sending the RPO templates A click on the alias of the RPO leads to the original template for the RPO which can be edited Upon any modification of the RPO the old order is automatically cancelled and the template appears in the report with status Cancelled Figure 26 Recurring Payment Orders Report Print Help Filters From To Alias Next date 21 Jan 2011 z 21 Jan 2011 z RPO No Customer All hi Status All El Payment Type All v SHOW gt 21 test Test cust Sent 10 00 EUR 21 Jan 2011 21 Feb 2011 Month 21 Feb 2013 Test user Test user Test user 2 Test user 120 SF Test cust Cancelled 120 00 EUR 21 Jan 2011 28 Jan 2012 Week 21 Feb 2013 Test user Test user Test user 2 Test user 119 sal Test cust Sent 320 00 EUR 21 Jan 2011 21 Apr 2011 Quarter 21 Feb 2012 Test user Test user Test user 2 Test user ING Online User Manual Russian Federation May 2013 27 The generated payments resulting from the execution of the recurring payment order can be found under Transaction management
60. ificates are usually revoked in cases of blocked or lost smart cards deactivation of users etc e Changes in the signing policies on customer account or user level The application also sends a warning message in the News section 14 days before the expiry of certain recurring payment orders ING Online User Manual Russian Federation May 2013 28 Files upload In this section users of ING Online can upload files with transactions in different formats The function Upload validates the content of the file according to selected type of payments and the file is accepted or rejected depending on the results of validation All upload files are text files Usually the Upload function is used for uploading files generated by the company s accounting system After selecting a file o be uploaded and its type users click the Upload button Every file contains data for one company only When uploading he file the system formally controls the file format and the access rights Upon successful upload the file appears in the Processing menu Upload of files with domestic payments in the Russian Federation is possible with four types of text files e Files generated by the accounting system 1C the files may be produced in different encoding e DOS e Windows 1251 and e KOIS8 e Domestic Payment in different encoding e DOS e Windows 1251 and e KOIS8 e Salary Payments in TAB delimited text format e MT
61. ine A payment order may not be created due to the following reasons e Insufficient limits User limits are restored at 00 00h The recurring payment orders are usually collected at the same time If a user has signed a transaction or transactions the previous day that have not yet been sent the sum of these transactions will occupy limits for the current day Unsent transactions from the previous day have priority over payments from the current day Thus it can be arrived at a situation where some daily limits are going to be insufficient for the successful creation of orders under RPO templates e Invalid certificates When one of the certificates used in the creating signing or sending the RPO template is invalidated during the active period of the RPO the next payment order under this RPO template will not be created In these cases the RPO template must be edited signed and sent using the new certificate s in order to be correctly executed The certificates can be invalidated when they expire or are being revoked e Certificate expiration The user certificates used to access ING Online are issued by default for two years 14 days prior to the certificate expiration ING Online generates a message in the News section of the application on a customer level with a warning for certificate expiration After receiving the new certificate users have to log in with it and edit the RPO template e Revoked certificates Cert
62. ine of details is mandatory to begin with a valid VO code in format VOXXXXX in the following cases When the Payer Account Number begins with 40807810 and the Beneficiary Account Number begins with 40807810 30111810 40820810 426 425 30231810 and the BIC of the Beneficiary s Bank is different from 044525222 or e When the Payer Account Number begins with 4070 40802 and the Beneficiary Account Number begins with 40807810 30111810 40820810 426 30231810 or e When the Payer Account Number begins with 40807810 and the Beneficiary Account Number begins with 4070 0817810 423 40802 When a payment does not comply with this validation an error message will be displayed on the screen with the following text Please specify VO code in the Details of payment field In all other cases details of payment can contain free text Note Braces should not be omitted when entering the VO code XXXXX are digits The VO code is validated against a table with valid VO codes The application also checks for the presence of the Russian abbreviation for VAT HHC In case it is missing in the details section a warning message is displayed when users try to save the transaction Upon successful capturing and saving a domestic payment order ING Online users may preview the Domestic Payment order when they click on the button above the payment order The format of the payment order
63. ing a report that matches the search and filter criteria The exported file may be opened or saved locally ING Online remembers the last used configuration of the filter box if it has been minimized or maximized and applies this user decision to all filter boxes in the application ING Online filtering capabilities can also enhance the work of users with access to accounts of more than one customer Multiple account selection and multiple customer selection has been greatly improved Users can use many combinations to select all accounts of a customer along with all or some accounts of another customer For example a user with access to three customers may select e all accounts of Customer A ING Online User Manual Russian Federation May 2013 4 e all accounts of Customer A and all accounts of Customer B e all accounts of Customer A some accounts of Customer B and some accounts of Customer C etc Figure 3 Filters LI From To Account Selected 5 v Book Date 13 Jul 2012 13 Aug 2012 All Customer A 40702810300001002606 gt gt 40702810300001008797 40702810300001003455 Customer B 40807810100001001951 140807810100004325324 140807810100001056755 140807810100001004565 L In the example above a user has selected one account of Customer A and all accounts of Customer B As shown in this example ING Online users can effectively select more than one account belonging to more than one customer b
64. is defined by the Central Bank of Russia in accordance with Appendix to Regulations of the Bank of Russia No 2 P of October 3 2002 on Non cash Settlements in the Russian Federation At the right down corner of this form there is a stamp with date and time when the payment order has been received by the bank Users may print the order by clicking in the button Print in the upper right corner of the screen ING Online User Manual Russian Federation May 2013 16 Permissible symbols and length of fields Fields Permissible symbols Length of fields Amount 0 9 and the special symbols and Comma or dot accepted as 6 2 decimal decimal point Beneficiary Bank Account No 0 9 0 25 Date Current date minus 9 days No 0 9 10 Tax Payer Status 0 9 2 BIC Code 0 9 9 INN 0 9 5 12 KPP 0 9 9 CBC 0 9 20 OKATO 0 9 11 Doc No 0 _ LOCAL_ALPHABETa zA Z0 9 15 Doc Date Current date minus 30 plus 60 days Payment Type LOCAL_ALPHABETa zA Z0 9 2 Names Q LOCAL_ALPHABETa zA Z0 9 40 Details P O LOCAL_ALPHABETa zA Z0 9 4 11 VO Code VO 0 9 1 Tax basis a zA ZLOCAL_ALPHABETO 9 1 2 Tax period a ZA ZLOCAL_ALPHABETO 9 1 10 ING Online User Manual Russian Federation May 2013 17 International payment ING Online offers an interactive form for instruction of foreign payments With a foreign payment order users can initiate transfers in any currency to beneficiar
65. k Type Code a z A Z 0 9 1 10 Contract number LOCAL_ALPHABETa zA Z0 9 No _ amp 20 FCY Operation Code 0 9 3 10 ING Online User Manual Russian Federation May 2013 25 Fields Permissible symbols Length of fields Comments LOCAL_ALPHABETa zA Z0 9 No _ amp _ 255 Deal Passport Number 0 9 22 Recurring payment orders ING Online offers the opportunity to create recurring payment orders RPO Recurring payment orders are regularly scheduled payments with fixed amounts and fixed beneficiaries Orders can be set for a period of 2 years and can be executed on a yearly half yearly quarterly monthly or weekly basis The recurring payment order feature of ING Online is available for domestic payments direct debit orders and international payments The feature is a part of the existing single payment functionality and is available to users who have enough rights to initiate single payments The process of creation of a recurring payment order is quite simple The basic idea is to create a payment template according to which the application generates a payment that is going to be executed at regular intervals The process follows five steps e Step As recurring payment order templates can be created for domestic payments direct debit orders and international payments the interactive forms for these payments provide the option to create a recurring order template Figure 23 Recurring Payment order CO Create a templ
66. main core back office systems in ING branches ATLAS PROFILE and ICBS All reports in Account Management with an exception for Statements being limited for 30 days period are limited to six months period Filters and search ING Online offers eloquent filter and search capabilities for all reports generated by the application The filter box above the reports is expandable in most cases and presents even more search and filter criteria ING clients may use to find a specific record follow transactions from one business partner view the movements in an account for the previous month and more Ifa user expands the filters field in a report then all reports shall have their filters field expanded Should the user collapse the filters field then all reports shall have their filters fields collapsed Figure 2 Filters From T Account Book Date gt Book Date Type gt Amount O Value Date Currency x Reference Beneficiary Details The interface of the filters area shown above offers predefined filter criteria in drop down lists and blank search fields in case users choose to enter their own search criteria Depending on the type of the report filters may vary accordingly The Show button presents a screen report that accommodates entered search and filter criteria the Summary button summarizes filtered results in an easy to comprehend report while the Export button creates a MS Excel file contain
67. n Should it be opened again it could only be copied or saved as a template e Save as Template Saves the transaction as a template for further usage This function is covered in detail in the next paragraph e Upload new C2B In case a transactions requires documents to be delivered to the Bank users are given the opportunity to upload these documents and link them to the transaction in question if necessary The function Upload Customer to Bank Files is explained in detail in the section Documentary Files e View C2B files Users may view already uploaded files linked to the transaction in question or check if files are uploaded at all Again this functionality is explained in the section Documentary files e View RPO Shedule This link is visible only in case of recurring payment order templates Users are directed to the recurring payment orders report where all templates for recurring payment orders can be reviewed e Sign Sign the current transaction e Send Send the current transaction to the bank for processing Track changes Information for all payments entered in ING Online is kept in the register of payments All information about transactions including who has entered the payment what and when can be seen under Transaction Management Transactions By Beneficiary and Transactions By Users Correcting a payment is always done by cancelling of the old payment and creating a new one The func
68. n cy Ben Bank Gade Egne ary Account Benefic ary Hame Devils Paes ri T Dee ee eye See r Te cee Se mpra cate haa 1 Tha cece oe 0 Se SS ee ee oe aig The window on the left defines the current view of the report The window on the right shows which columns are hidden in the report By clicking on the desired requisites of transactions users move them between the windows and thus define the displayed report The small orange arrows move all the columns In the example shown on Fig 43 all transaction requisites are going to be displayed The button Save has to be pressed in order to generate the report with all user preferences Transactions by user The function Transaction by User shows all initiated transactions for review with information who has captured signed and send the transactions Figure 43 Transactions by User Print Help Filters From To Account Date 16 Feb 2011 16 Feb 2011 Book Date Type Amount O Value Date Currency Reference O Sent Date Status Details im with details Beneficiary Packages Show x SUMMARY gt EXPORT gt COLUMNS 16 Feb 2011 21 Feb2011 407638 Foreign Exchange Registered inthe 40702810000001000940 10 000 00 EUR Test User 1 Test User 1 Test User 2 Test User 2 Details VO12345 DETAILS ROW 1DETAILS ROW 2DETAILS ROW 3DETAILS ROW 4 16Feb 2011 16Feb2011 407637 Intemational Signed with second 40702810600001001802 12 345 54 EUR Test User 2 Test User 2 Test User 1 Payment signat
69. n may contain more than one set of ground information Upon successful completion of data entry users have to click the button in order to attach the ground information to the payment order After the attachment of the ground information the form is emptied and is ready to be filled in if another set of ground information is required to be attached to the payment Ground information can be edited or deleted at any time before sending the payment order to the bank Amount The amount of the transfer Currency The currency of the ground document has to be filled in Deal Passport Number DP The number of the deal passport issued in accordance with Instruction 117 I of the Central Bank of Russia on the procedure for recording foreign currency transactions and for formalizing deal passports The DP number should be input in the following format NNNNNNNN NNNN NNNN N N where N is a digit from 0 to 9 Reference The reference of the ground document Contract number The number of the contract if it exists under which the transaction is made In case users fill a contract number then the field Contract date becomes mandatory to be filled in Contract Date The date of the contract mandatory to be filled in when Contract Number is present Funds direction the direction of funds has to be specified User may choose Debit or Credit from the drop down list Date The date of the ground document Amount of DP The amount of the trans
70. n this section users find information announcements news etc directed to their customer While the section News contains more general items Bank to Customer is used mainly for private messages from the Bank to the Customer The information provided may be sorted by file types dates periods and download status of files The lower part of the table contains detailed information about the file sent from the Bank name of the message name of the file the name of the customer to whom the file is addressed as well as indication if the file is private or public There is also an indication if the file has already been downloaded or not so that users can easily differentiate downloaded from downloadable items This applies to private files only as for public files it is quite irrelevant Bank to Customer files have an expiration period after which expired messages are not shown It has to be noted that the report with Bank to Customer files is available for a period no longer than 6 months tis preferable to download files save them on the client s computer and then open them from their new location on the client s computer Figure 53 Bank to Customer Filters From To File Type All Date 23 Feb 2011 23 Mar 2011 a Show All Files Download Status All 18 Mar 2011 15 42 Private message Private Message Bank_rates txt 0 7 KB downloaded My Customer Ltd 11 Mar 2011 09 12 Brochure brochure p
71. ned with first 40702810600001001802 sci 21 Apr 2009 21 Apr 2009 Payment signature 345 00 Test Beneficiary 3 Test User 1 Vv 21 Apr 2009 21 Apr 2009 Domestic Payment Signed with first 40702810000001000940 1000 00 Test Beneficiary 4 Test User 2 Vv signature SELECT ALL gt aant ETT 40702810600001001802 13 345 54 40702810000001000940 345 00 The function Sign is used to sign documents before sending them to the bank Depending on the account policy of the company the documents can be sent with one or two signatures The Sign screen shows a list of all documents waiting for signatures for which the user has access to the account the payment is linked to has right to sign the particular type of document and has an appropriate type of signature A B C etc Users may sign documents in bulk when selecting the desired payments through the check boxes in the far right column and clicking on Sign Another possible solution to sign all payments ING Online User Manual Russian Federation May 2013 42 waiting to be signed is to select all payments through the button Select all and sign A second click on Select all deselects all payments When a user has selected a transaction or transactions to be signed a table appears under the list of payments and indicates the control amounts for the accounts involved in the payments selected to be signed Users may customize the Sign screen by setting up from 50 to 2000 rows per p
72. ns and answers validations are as follows For each user all questions must differ from one another All answers must differ as well it is not possible to input 3 equal answers a The length of the question should be at least 8 characters long The length of the answer is 6 characters minimum e Maximum length of questions and answers is 50 characters e Valid symbols in field with question or answer are all Latin and local alphabet digits from 0 to 9 and special symbols er BS and P e There should be different letters in the answers aaaaaa is not valid ING Online User Manual Russian Federation May 2013 51
73. nsidering all filtering applied previously Figure 41 m e a 2 Foreign Exchange Buy Sell 40807810100001009999 1 2345 54 Foreign Exchange Buy Sell 40807810100001002324 1520 12 Domestic Payment 40807810100001004356 1000 00 Domestic Payment 40807810100001002324 258 23 International Payment 40807810100001009999 345 00 Users may sort this information by all column headings and apply all filters in the same manner as described above The Print button in the upper right corner of the application creates a Printer friendly overview Only the transactions on the current page on screen are sent to the printer This may be less than the total of all filtered transactions In this case if a user wants to print all filtered transactions the setting for the number of transactions on one page must be increased via Personal Settings Settings Rows in Transactions by ING Online User Manual Russian Federation May 2013 40 User management of reports ING Online offers user management of displayed reports Currently users can manage Transactions by Beneficiary and Transactions by User reports Users can modify the reports by choosing which columns from the report to be displayed on the screen The button COLUMNS above the right end of the table triggers a small pop up window where users may choose and set their preferences Figure 42 Manage repari Solus Fiw Enteraddent Dak Fram Sood unl Am nay rit Cune
74. nts to facilitate the process of report summarization The function is also useful for statistical purposes With this function users have the possibility to create a new group edit existing groups names or delete groups Assign to group Through the function Assign to Group users assign accounts to the specific group they have already created The application offers possibility to add to a group or remove accounts from groups at any time Users simply select the accounts they want to add or remove and click the buttons or A Settings Under Settings ING Online users set the number of displayed rows in a page per different reports or functions such as Sign or Edit Users also indicate a Reporting Currency the currency code in which their reports are displayed Another setting that can be altered is the option for displaying default values in payments Personal settings are saved through the button EAVES ING Online User Manual Russian Federation May 2013 50 Security Under this element of the menu ING Online users receive information about important security issues and advice on the best ways to securely instruct transactions Here users may change their passwords and secret questions and answers view information about the digital certificates and get help Important information ING Online users are presented with security information and safety measures when using the application Change password Minimum length of the passwor
75. on Advice Document Date sis Number Country of non resident bank v Additional Information Ground Information Amount Currency Deal passport DP number Reference Contract Number Contract Date Funds direction Date Amount of DP Currency FCY Operation Code Work Type Code Comments Amount Currency FCYOpCode Deal Pass No Contract Number Contract Date ING Online User Manual Russian Federation May 2013 23 ING Online users have the possibility to initiate Mandatory Sale transactions required from the Russian Central Bank to regulate he currency proceeds received by residents from non residents In order to account for the amount of foreign currency proceeds subject to mandatory sale a foreign currency transit account have to be opened for each resident account in the bank The foreign currency received in favour of the resident will be remitted to this transit account The resident submits an order to he bank for the sale of part of the foreign currency proceeds and the remittance of rouble proceeds from this sale to its rouble bank account Along with the currency sale order the resident must submit to the bank a certificate identifying the amount of foreign currency received by type of currency operations The fields highlighted in red in the screen form Fig 21 are fields which are required In case these fields are not filled the application generates an error report and advises the us
76. on Number of the payer if such is assigned This field is filled in by the application if such information has been provided by the client KPP The KPP Taxpayer Registration Reason Code of the payer if such is assigned The code is filled in by the system on he basis of the information for the client in the bank Users may override the default KPP and enter manually a different code because some customers may have more than one KPP In such cases the application displays a warning message when saving he transaction informing the user that the default KPP has been changed Details for the payer The four fields under Acc Nom contain details for the ordering party name address and city These fields are automatically filled in by the application based on the information for the customer in the bank Payer Bank Name The name and place of location of the payer s bank Automatically input by the system BIC The bank identification code BIC of the payer s bank Filled by the application Acc No The number of the correspondent account sub account of the payer s bank through which the transfer is to be executed This account number is filled in by the system Beneficiary Bank The only interactive field in this section is the field for the BIC code of the beneficiary bank ING Online users may enter the BIC manually or use the search function of the application through the drop down list assigned to the BIC fi
77. or mandatory sale if any Amount to be transferred to the currency account The amount that remains in foreign currency after the mandatory sale and he free sale This amount shall be transferred to the currency account To accounts Bank Name and BIC code These are automatically filled in by the application Currency Account The number of the currency account of the customer is mandatory to be chosen from the drop down list This account has to be in the same currency as the transit account as it shall be credited with the remaining amount of foreign currency after the mandatory and the free sale Transfer roubles to Users have to specify an account in RUB for the amounts sold mandatory and or free ING Online User Manual Russian Federation May 2013 24 Account to write off commission An account has to be chosen for the applicable bank commission The account must be in RUB Advice Document Date The date of the bank advice document for the transfer of funds in the transit account of the customer Number The number of the bank advice document mentioned above Country of non resident bank The country of the bank in case non resident Additional Information At least one field is mandatory to be filled in with additional information for the transaction Ground Information The section for ground information must be adequately filled in for the transaction to be executed A single transactio
78. represents a payment form that offers the possibility to enter relatively fixed and unchangeable data such as details for beneficiaries details for the ordering parties payment details etc After filling in the template form users have to save it and it appears in the templates list and is ready for use e Option 2 path Transactions Type of payment Fill the payment form Save the transaction Save as template This option gives ING Online users the opportunity to save the template type details of a transaction into a ready template in a click The transaction when finished and saved opens in a preview mode and offers a set of actions below the transaction form A click on Save as Template automatically retrieves template type data from the current transaction and opens a template form that can be saved as a ready template Users only have to type the name of the template and it is well ready ING Online validates user entered data in the template fields for presence and correctness Upon successful completion of the procedure for creating a template the template is listed in the templates section and is ready to be used in a payment edited previewed or deleted Export of templates Users may request for an export of their templates at an ING branch The templates are exported in a csv file that can be opened with a text editor or MS Excel The exported templates can be organized by accounts and by payment type Curren
79. rom the details for the beneficiary is mandatory to be filled in with the name of the beneficiary In the other fields users may enter any data regarding the beneficiary address city etc Beneficiary Bank SWIFT Users have to enter the valid SWIFT code of the beneficiary s bank On the basis of this code the fields for the name address and country of the bank are automatically input by the application Country The field is editable and mandatory to be filled in Account number The account number of the beneficiary held with his bank is mandatory to be filled in In case the transfer is initiated in EUR a valid IBAN International Bank Account Number must be specified When the beneficiary account number is a valid IBAN the box for IBAN must be checked as well Intermediary Bank Details for an intermediary bank are not mandatory to be filled in though it is preferable such details to be specified for quicker processing of the transaction The section contains interactive fields for entrance of data for the intermediary bank SWIFT code If a valid SWIFT code is entered all other details for the bank will be input automatically its name address and location Details of Charges Charge type Users have to select the bearer of the charges for the transaction in question The valid options are e OUR Al charges are paid by the beneficiary being deducted from the account that is used for the transaction or another account
80. s border payments to foreign exchange dealing ING Online provides up to date transaction information and balance reporting This Online user Guide is for the customers of the bank and describes ING Online functionality for end users ING Online Your benefits ING Online has been developed in order to help the customers of ING Bank to run their business more efficiently and increase their corporate performance Using the latest web technology ING Online offers more dexterous financial control mobility and comfort to customers in carrying out banking operations with our bank using proven and highly secure methods Figure 1 ING ING ONLINE RUSSIA Home www ingonline com ing com Contact Us About ING Bank N V Privacy Statement Security Legal Information ENGLISH PYCCKUN gt Home ING Online Profile Security Information Exchange Rate Against EUR gt News Welcome You have no component for digital signing Currency Fixing gt Rates You successfully logged in ING Online wholesale banking application If you have problems during the signing please dick here CHF 1 313800 FA t Please remember it is necessary to perform the following three stepsto It is advisable to change your password every 30 days GBP 0 850500 ccoun initiate payment transactions Your last login was on 24 Sep 2011 09 21 58 USD 1 332300 Information enter transactions EUR 1 000000 n a gt Transactions Sigh trensactions 5 7 More rates gt P
81. sted in a file for further usage if needed Users have to click SHA1 checksum and a separate window will open with the option to copy the checksum value Uploaded by gives information about the User who has uploaded the file the date and exact time of upload The column Process contains a box that has to be checked for the successful processing of the file Should users place a mark in the check box the columns Alias and Package become active In the Alias column users may assign an alias for the uploaded file for easy identification and search of the uploaded file All transactions uploaded as a file are considered as a package of transactions The user can choose to keep the transactions as a Package for further processing or to treat them as individual transactions The check box in the column Package has to be checked in order transactions to remain a package and vice versa See Packages for more information Finally users click on to finish processing the file The transactions from the uploaded file may be signed and send or modified under Transaction management in the left side menu ING Online User Manual Russian Federation May 2013 35 Packages Users of ING Online have the opportunity to group transactions and form packages of transactions that can be kept together for further processing The application automatically creates transaction packages for transactions imported via file upload Users can
82. t accounts for mandatory sale transactions Customer name The name and address of the customer Automatically input by the system based on the account information kept in the Bank q Payer Bank The fields in this section cannot be edited by ING Online users The fields are automatically filled in by the application with data for the Payer s Bank name address and BIC code Total Amount proceed The total amount of the transfer expressed in a currency different from RUB must be specified The amount must be filled in without any delimiter for the thousands The delimiters and are both interpreted as delimiters between he integer part and the fractional part Currency Users have to select the currency code of the transfer from the drop down which contains all quoted currencies in he Exchange rate bulletin of the Bank Debit amount The amount of foreign currency that will be subjected to sale As it is a part from the Amount proceed it cannot exceed Amount proceed of mandatory sale The percentage of mandatory sale is filled in automatically and cannot be edited It is used for informational purposes only Amt for mand sale The part of the Debit amount that is to be sold mandatory The field is filled in automatically and cannot be edited Amount for Free Sale The amount that the customer decides to put to free sale It cannot exceed the remaining sum from the difference between the Debit amount and the amount f
83. t statements for any period not longer than 30 days Account statements can be downloaded as a MT940 SWIFT format file Portable Document Format PDF file 1C file format or in MT942 file format Generation of statements in PDF format takes longer than generation of statements in HTML format The process is asynchronous and the user may explore other functions of the application meanwhile and return back to download he generated statements in PDF format Generated PDF files are digitally signed with a technical certificate issued by ING PKI Both PDF and printed statements contain six items per sheet Account statements are also generated as downloadable text files in MT940 format and may be directly imported in the accounting program of the customer All statements for all accounts for each working day for the requested period are downloaded in one file The order of the statements in the files is first sorted by account numbers then sorted by dates The detailed structure of all formats is covered in the Annex to this document MT942 file format is used to transmit detailed and or summary information about entries debited or credited to an account for a period of time Figure 6 Account Statements Filters From To Date z z a e e aare a 40702810700001002578 TEST CUSTOMER ONE Ltd O 40702810000001000940 RUB TEST CUSTOMER ONE Ltd O 40807840400001001951 USD TEST CUSTOMER ONE Ltd O 40702978000001002929 EUR TEST CUSTOMER
84. tion Track changes visualizes the changes made in individual payments through the Edit function Users are given he opportunity to easily navigate to the cancelled payment and see exactly what has been changed in the new one Both old and new transactions views contain links to each other and a link to Track Changes E g A new transaction created through he Edit function has the following Actions box Figure 9 Actions New Copy Edit Cancel Save as Template Sign Send View Cancelled Document Track Changes Upload new C2B View C2B files Here users may view the cancelled document and track changes made A click on Track changes would lead to a similar screen like the following hea bus ms Ep Taredies Fomkew Bi Apr Sori ii iiS Yasir Tonbe Bi Apr irii ii iii Fomhiow Taio 0 Apr Mii iiigh PAYMENT ADIA Troe paart Ta Paver Sie Od Spr fit Mea ROHHD oF PAYMENT OSD0ER Tipa al pea ati gai Tae Paper Stas Ta Apr IHi TEnarpedou 15 ING Online User Manual Russian Federation May 2013 9 The old transaction is cancelled automatically and the modified transaction gains New status Changes made are indicated on field set level The green boxes indicated by an arrow represent modified field sets Cancelled transactions through the Edit function contain a link to the new payment record as shown below Figure 11 Transactions by Beneficiary Print Help Filters From To Acco
85. tly templates for domestic and international payments can be exported ING Online User Manual Russian Federation May 2013 10 Actions with templates Existing templates can be accessed through Transactions Type of payment the button Templates in the top right corner of the application The following screen shows the templates list Figure 12 Templates Filters Search for Search in Beneficiary CREATE NEW gt Template 1 Beneficiary 1 INGBPLPW 123456789 Details 1 Template 2 Y a A E Beneficiary 2 INGBBGSF 987654321 Details 2 DELETE gt BACK gt SELECT ALL The templates may be sorted by the name of the template chosen for use edited viewed and deleted by clicking on the appropriate icons in the different table columns The filters area above the template table provides for an opportunity to search for specific templates as well ING Online users may search for templates by beneficiary names beneficiary account numbers and template names Templates quick search As previously said ING Online users may search for a specific template in their templates list Users may search for matches in the beneficiary names and accounts in a template and in template names The quick search function allows users to search for a template directly from the top right corner of the payment screen Figure 13 Templates Print Help Quick Template Beneficiary Search Search in Beneficiary
86. ue in the corresponding fields How it works All editable fields in a payment form have a little paperclip attached Figure 16 ING Ba Date DOMESTIC PAYMENT T RINGS Date z Beneficiary 5 Beneficiary s Nam Address City gt Sy Beneficiary is ING Online User Manual Russian Federation May 2013 12 Any value entered in the fields with a paperclip can be used as default value for these fields when capturing a payment A simple click on the paper clip brings a pop up menu Figure 17 ING S DOMESTIC PAYMENT Date T RINGS gt Set Remove Beneficiary s Name Beneficiary One Address City gt Beneficiary is gt xl Beneficiary Upon clicking on Set all data contained in the field shall be stored and all new payments will have this field filled with the remembered value when starting to capture a new domestic payment A click on Remove clears the set value and the field appears blank when capturing a new payment There are some exceptions in using the default values the fields that are calculated or taken from the database are finally replaced with the calculated value or the value taken from the database Examples for this are the amounts in the foreign exchange form which are calculated on the basis of the current exchange rate or the Tax ID of the ordering customer which is taken from the database ING Online User Manual Russian Federation May 2013 13
87. uld be unlocked and transactions signed individually through Sign in Transaction Management When successfully signed with first signature all transactions and the package get the status Signed with first Signature Even if one transaction in the package needs to have second signature then the whole package needs to be signed with second signature before being sent to the Bank The function Send is based on the same principle as the function Sign either send all transactions in the package or none Note Transactions contained in unlocked packages can be only signed and sent through Transactions Management gt Sign and Send Package Unlock Cancel This menu item allows for unlocking a package or cancelling a package Cancelling the package automatically cancels all transactions contained therein If a transaction from a package needs to be modified prior to sending to the Bank then it is automatically cancelled and remains in the package with a status Cancelled while the new transaction derived from the modification gets status New and is included in the package as well The total amount of the package is recalculated to subtract the amount of the cancelled transaction and to include the amount from the new transaction generated because of the edit action Note ING Online does not allow the signing and sending of packages including payments which value date is older than 10 days from the c
88. ulfil certain legal or business requirements related to transactions After upload the file can be signed with one or two signatures and then sent to the bank according to the signature policy defined by each customer The policy for digital signing of uploaded files is set up as agreed with the Customer to send the files with no signature or to have one or two signatures for C2B files Each user can be granted rights to upload sign and send C2B files through the administrative site of ING Online in accordance with the policy specified for the customer Any uploaded file cannot be larger than 3 Mb Users are permitted to upload unlimited number of files as long as uploaded files combined size does not exceed 20 Mb daily per customer Upon request to the Bank the daily upload limit for C2B files can be extended on a customer basis ING Online guarantees the secure delivery of the uploaded files to ING Bank due to the high security standards within ING Online There are two ways of successful completion of the process of file upload Option 1 Through the Actions menu after a manual capture of a transaction The Actions menu offers a quick button Upload new C2B that directs the user to the initial screen of the submenu item Upload under Documentary files Option 2 Directly through the submenu Upload under Documentary files In both cases the user is led to the following screen ING Online User Manual Russian F
89. unt Date 16 Feb 2011 16 Feb 2011 z Book Date Type Amount O Value Date Currency Reference O Sent Date Status Details O with details Beneficiary Packages Show El COLUMNS C ine Satna tere aurora Benn cae entry curt Jeeta 16 Feb 2011 16 Feb 2011 407639 Domestic Payment 40702810000001000940 10 000 00 RUB 044525222 40702810400001001905 Test Beneficiary 4 Details VO12345 DETAILS ROW 1DETAILS ROW 2DETAILS ROW 3DETAILS ROW 4 16 Feb 2011 21 Feb 2011 407638 International Payment Sent 40702810600001001802 5 487 00 EUR INGBSKBX BG80BNBG96611020345678 Test Beneficiary 2 Details Details1 16 Feb 2011 16 Feb 2011 Domestic Payment Cancelled 40702810000001000940 1000 00 RUB 044525222 40702810400001001905 Test Beneficiary 4 Details VO12345 DETAILS ROW 1DETAILS ROW 2DETAILS ROW 3DETAILS ROW 4 Templates Users of ING online can create templates for all kinds of transactions Templates are extremely useful for regular payments with constant partners Creation of templates Creating templates is easy as it involves only entrance of the payment details once and then saving the payment form as a template ING Online offers two options for creating templates e Option 1 path Transactions Type of payment button Templates in the top right corner of the application The templates screen contains no templates upon initial use of the application Customers may create templates by clicking on the button ASEA The screen for creation of templates
90. unts in the filters of all reports in the application where amount fields exist as separate fields for filtering and users can enter amounts All reports generated by the system also have the mask ING Online users can enter numbers with or without thousands and decimal separators The rightmost separator will be considered to be the place of the decimal separator Changes affect field presentation after the user exits the amount field n this moment the predefined amount mask reformats the field so that it looks like separated with thousand separator and After saving a transaction users have the opportunity to modify it The Action box appears under the preview of the current transaction and the following actions are available Figure 8 Actions New Copy Edit Save as Template Upload new C2B View C2B Files e New Empties the form of the current transaction so that users can enter different data for the same type of transaction e Copy Copies the current transaction in case users need to execute exactly the same transaction once more Users can still edit the records in the transaction e Edit The form opens in an editable view and users may introduce changes to the transaction ING Online User Manual Russian Federation May 2013 8 e Cancel Cancels the current transaction Users may still find the cancelled transaction using the Transaction Management section in the left side menu of the applicatio
91. ure Details Details1 Signed with First 16 Feb 2011 16 Feb 2011 407636 Domestic Payment Signature 40702810000001000940 1000 00 RUB Test User 2 Test User 2 Details VO99999 DETAILS The screen displays a table with transaction records similar to the screen for Transactions by Beneficiary the only difference being the columns for user information e Entered by This column contains the names of the user who has captured or uploaded the transaction Sign 1 The name of the user who has signed the transaction with first signature e Sign 2 The name of the user who has signed with second signature e Sent by The name of the user who has sent the payment to the Bank At Transactions by user ING Online users may sort filter summarise download and print transaction records the same way as in Transactions by Beneficiary User management of the report is available as well ING Online User Manual Russian Federation May 2013 41 Transactions by group Through Transaction by Group users may search filter or browse for transactions with assigned groups of accounts Figure 44 Transactions by Group Print Help Filters l From To Accounts Groups All accounts Date 16 Feb 2011 f 16 Feb 2011 x Book Date Test group of accounts Amount O Value Date Type All z Reference Status All z Show By Beneficiary Summarize SUMMARY gt Group Name Test group of accounts 16 Feb 2011
92. urrent date If such payments exist in a package the system shall deny package sign or send Users shall get the error message Payments with Value date older than 10 days from today cannot be sent You can unlock cancel package and send the proper payments The next step for the user will be to unlock the package and send payments separately Incorrect payments can be cancelled or edited manually to conform with the above mentioned requirement ING Online User Manual Russian Federation May 2013 38 The summary of a package containing a cancelled transaction can be seen below Figure 39 Package Summary Status Created by Test User 01 Jul 2011 15 49 51 No 2 Sign 1 Status Sign 2 Unlocked Package Package Info Pack Name my_pack Count Amount 110 00 Cancelled Transactions 1 Amount of Cancelled Transactions 200 00 Transactions Control Count Transactions Control Amount 310 00 Source Manual Customer name Test Customer REFRESH gt VIEW TRANSACTIONS gt Transaction management In the section Transaction management users of ING Online obtain information about all initiated transactions of the customer All functional screens under Transaction management contain lists with initiated payments This information may be filtered in numerous ways in order that users get the most of it Transactions can be easily signed and sent in bulk as well as modified Users can define selection criteria to view different subs
93. y fields in the interactive payment forms With these default values can be set used or removed Off The paperclip is not visible and no default values are shown and Partially Default values already set will be used but the option paperclip to change default values will not be displayed Note Please check that the browser cache is cleared after altering the default values settings so that changes take effect immediately Browser cache can be removed the following way Internet Explorer Once open click on the Tools menu at the top of the page Select Internet options at the bottom The General tab should open by default If not make sure the General tab is selected Under Browsing History click Delete A new window will now pop up Click Delete Files listed in the Temporary Internet Files section When Internet Explorer finishes clearing the files click Close at the bottom on the window and then OK Mozilla Firefox Through Tools Clear recent history or pressing Ctrl Shift Del A new window will pop up Besides Time range to clear click Everything Click on Details and select only Cache Select Clear Now Setting default values resembles the template feature complemented with the fact that users may choose to set default values for certain fields of the payment forms Every time users log in the application the interactive payment forms will contain the set default val
94. y using SHIFT click or CTRL click When users click on the customer s name then all accounts registered with that customer shall be selected The reports generated using multiple account selection shall retain their filter options so that users may enter different filter or search criteria e g time period status amount etc and still use the accounts they have selected previously For the sake of clearness and avoiding mistakes a notification about the number of accounts selected is shown in the account selection box e g Selected 5 This multiple accounts and customers filters opportunities are implemented in the following reports Account Information e Balances e Movements Transaction Management E e Transactions by Beneficiary fe Transactions by User e Sign e Send e Edit Cancel Balances This function gives information for account balances The default screen shows all accounts for the last available date During working days the default day is the current date and the information shown is the Intraday balances for all accounts The information for the Intraday balances is calculated by ING Online based on the last closed balance and Advices for the executed movements during the day This information is preliminary and advisory information and is marked with A in column of the presented report The balance information for previous working days is based on the Account Statements loaded in

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