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User manual - Česká spořitelna

1. line v IB Display of the list of credit lines v f IB Loans v f IB List of loans v IB Application for loan drawdown v y v IB Exchange of documentation y IB List of documents v IB Free application 7 v f IB File submission v v IB List of conditions of loan relationships to be i IB fulfilled List of issued guarantees letters of intent v v v IB Issued guarantees v v 7 IB Advised guarantees v v IB New transaction bank guarantees v v 7 IB Data update v v IB List of sent orders prior to 28 April 2014 v v f IB Export letters of credit v v f IB Import letters of credit v v IB Export collections v v IB Import collections v v IB 3 4304a 10 2015 30 35 Financing holder E Authorise Communication holder A holder P and S holder T d person channels New transaction v v IB Data update v v IB ry 7 7 gt 7 a 3 sent applications prior to 28 April V V IB PAYMENT 24 Display of shopping basket detail Information List of financing products Display of the summary list of accounts Display of the list of accounts Display of the account detail Information on current loan burden of the client Display of the current FX rates table Joint holder A Joint holder A Joint holder P Joint holder P Joint holder E and S J
2. The client number which forms part of the User set up protocol Telebanking password which is included in the security consignment Security ID which forms part of the security consignment Client Certificate so called electronic signature 3 4304a 10 2015 6 35 System certificate only for the Databanking service Login SMS message an optional enhancement of the Internetbanking security The following phone number is available to clients who wish to report any loss or theft of security data 956 777 888 on working days from 7 00 a m to 6 00 p m 800 207 207 orat 956 777 956 Other features enhancing the security of the service include the following options Hints for the client change of access passwords see below change of limit amounts see below defining access to the contract only using the Client Certificate for individual joint holders Bank s security features recording and archival of any communication maintained via BUSINESS 24 in the bank systems active use and combining of the security features changes of password limits or the use of Client Certificate where applicable logging out the client automatically if the time of validity of the site expires pulling the chip card from the chip card reader and reinserting it again when logging into the BUSINESS 24 application by Client Certificate or in case of a longer inactivity in the BUSINESS 24 application The secu
3. Foreign payments entered with Urgent priority ag day betore 4 30 D 1 Foreign payments entered with Standard priority oa day before 4 30 D 2 Prieuro payments eee day before 11 00 D SEPA payments entered with Express priority is day pelore 2 00 D SEPA payments entered with Standard priority eae day before 4 30 D 1 FIT payments and Payments to Slovenska sporitelna Business day before 3 00 D a s in EUR or CZK p m Foreign currency payments within the bank Business day before 3 00 D p m 6 2 2 Foreign payments system Business Clients Types of foreign payments Time of transaction entry Date of order submission for processing Foreign payments entered with Express priority BGN DKK GBP HRK HUF CHF CHF PLN NOK RON Busingss day betore 11 00 j SEK a m Foreign payments entered with Express priority EUR CZK USD CAD Business day before 2 00 p m D Foreign payments entered with Urgent priority Business day before 4 30 p m D 1 Foreign payments entered with Standard priority Business day before 8 00 p m D 2 Prieuro payments aoe day before 11 00 D SEPA payments entered with Express priority Business day before 2 00 p m D SEPA payments entered with Standard priority Business day before 8 00 p m D 1 FIT payments and Payments to Slovenska sporitelna Business day before 3 00 p m D a s in EUR or CZK Foreign currency payments within the bank Business day befor
4. The Change account limit step 1 of 2 screen will come up If you wish to set up the limit for the maximum amount of transactions performed per day for the account enter the required amount in the New limit field 4 If you wish the confirmation of transaction acceptance to be delivered to you complete the By e mail field and select Continue 5 The Change account limit step 2 of 2 screen will come up Check the entered details and select Send to confirm 6 The Transaction acceptance confirmation screen will be displayed If the current value of the account limit has been set up to not defined the daily limit on this account will be 100 million CZK 4 2 Co authorisation limit This is the maximum total daily amount of active transactions which may be executed by users on the given account without the necessity of being authorised by another account joint holder Above limit transactions have to be authorised co authorised by other account joint holders The co authorisation limit is set up and may be changed only through the BUSINESS 24 service by the authorised person for each account separately It is an optional component of money transfers security and it cannot be exceeded not even if the Client Certificate is used The limits are zeroised every day at 11 00 p m These limits are not applicable to transactions between accounts belonging to a single user and falling under a si
5. O2 at 726 118 128 T Mobile at 605 661 128 Vodafone at 776 991 128 from abroad at 420 956 777 888 at e mail address business24 csas cz Here it is possible to obtain answers to questions or send ideas regarding the BUSINESS 24 service The above mentioned numbers may be called to request an answer to any queries on BUSINESS 24 and to contact the telephone banker with whose assistance it is also possible to perform certain administrative operations see chapter 5 1 Authorised persons 3 4304a 10 2015 17 35 9 Implementing directive for the usage of electronic certificates in direct banking services 9 1 General provisions A user purchasing a chip card reader undertakes to acquaint himself herself with the licence terms ad conditions available from https www csas cz PKILicence and to observe them Certificates for the bank s purposes are issued by a certification authority The certification authority is Prvni certifika ni autorita a s Prague 9 Libe Podvinn ml n 2178 6 Postal code 190 00 Company reg no 26439395 incorporated under the Registry Court in Prague Section B item 7136 hereinafter also referred to as CA Information on the certification authority may be obtained from http www ica cz or from the following e mail addresses oper ica cz and info ica cz The user shall be obliged to verify the correctness of the certificate after the certificate is generated without unnecessary delay If the user ide
6. Password distinguishes between the lower case and upper case letters The password must not contain simple numeric series Brief notification will be displayed on the screen if the Caps Lock key is activated Security ID An eight digit number of which only four characters selected randomly by the system are always entered The user can have only one valid security ID Corporate clients can ask for repeated generation of the security ID at a business point Corporate clients as well as business clients may apply for a new security ID via the telephone banker The new security ID will be sent to you via registered mail for personal delivery to the client s mailing address The security ID is required in particular upon first time login to the certificate administrator and upon first time login to the service unless the Client Certificate is used Client Certificate It is necessary for the authorisation of all entered active financial transactions and administrative operations It is stored in a chip card and access to it is protected by a four digit PIN code To obtain the Client Certificate you have to sign the Higher type security protocol at any business point Login SMS An optional enhancement of security client number and password of the BUSINESS 24 service via a login SMS message is required upon each login The set up of login SMS messages is performed via the BUSINESS 24 service if the client has set up a mobile phone number for
7. been set up for the account 5 3 User authorisations In respect of Electronic pledge of receivables Bank guarantees Documentary deals Exchange of contractual documentation and Confirmation of Treasury deals operations users may be assigned authorisations to perform activities with the A P S E and T rights The set up of the authorisation to perform activities does not require the user to be listed in the specimen signature The authorised person who can set up authorisations for the Electronic pledge of receivables Bank guarantees Documentary deals Exchange of contractual documentation activities for other users has special authorisations established by the contract The right to set up the authorisation for the Confirmation of Treasury deals activity is automatically assigned to authorised persons in respect of the Contract on the provision of the B24 service for clients who have concluded a contract with Dealing 6 Order processing and cancellation The payments are processed within timelines and according to priorities detailed in the Information on Payment Service corporate and business clients which is available from our website www csas cz under the section Downloads Obligatory information Business Terms and Conditions Information on payment services for business and corporate clients 6 1 Domestic payments system 6 1 1 Domestic payments system Corporate Clients Date of order Types of domestic pay
8. ea cal Sa EE Change of Telebanking password A joint holder without higher Vv Vv security will perform the change only via the voice automaton B TB aa T May be Unblocking PIN for chip card unblocked v v v v Mobile Bank set up V V using PUK either on 3 4304a 10 2015 22 35 the login screen or immediately after blocking Obligation to log in Joint Joint holder User administration Joint Joint holder E Joint Authorised Communication holder A holderP andS holder T person Comment channels through Client Certificate Joint Account administration Joint Joint holder E Joint Authorised Communication holder A holderP andS holder T person Comment channels Adang an accountormanagement TOO TP PB Removing anaccounttom management _ e fSetingupacsountime PS A E E a a E T E E E Setting up co authorisation Setting up co authorisation co authorisation Setting up the sending of the current FX rate table Account name entry i Joint Current account Joint Joint holderE Joint Authorised Communication holder A holderP andS holder T person Comment channels Entry of a single FX deal Spot Forward AP JH Swap je Entry of block FX deal Spot Forward AP JH Swap v v v v List of open deals An A right in v v respect of at least one account Entry of a SEPA payment ope osoin may be entered with priorities as v follows Normal IB RKC P DB MBK Express
9. eee wee ie ne acca ee a a a a a a ies Dana Ea E Setting up the sending of credit advices 3 4304a 10 2015 Joint Current account Joint Joint holderE Joint Authorised Communication holder A holderP andS holder T person Comment channels Setting up the sending of text statements Activation Deactivation Change Entry of a transaction for co authorisation domestic payment multiple domestic payment foreign payment SEPA batch import OEN S E E A Display of the list of transactions entered via 7 V V 7 B24 processing Sending of files ayments direct debits to the collection accounts Display of the list of pending transactions 3 4304a 10 2015 27 35 Deposit and savings accounts holder E Joint Authorised Communication holder A holderP andS holder T person Comment channels Opening of a deposit account AP has to be also joint holder A for the IB RKC P client s current account Change of a deposit account AP with P rights for the specific deposit IB RKC P account Termination of a deposit account AP with P rights for the specific deposit IB RKC P account Payment cards and card accounts holder Joint Joint holder e La Authorised Communication K holder A holderP andS holder T person Comment channels Payment card detail Payment card holder his her own payment card only Via TB also without v authentication after 1B TB the provision of certain personal data
10. for processing Set up change cancel SI TPU Business day before 11 00 D p m Set up change cancel SI TPU Business day after 11 00 p m D 1 1 Note Direct debits for SIPO payments may be set up only from a sporogiro account Czech Post does not execute direct debit payments from current accounts Set up change cancellation of TPRZ and TPI is not possible 6 4 Deposit accounts 6 4 1 Deposit accounts Corporate Clients ea ae Time of transaction entry Date of order submission for processing Open Any time during the business day from 0 00 to D deposit 24 00 account If the entry is made on a weekend or holiday the application defaults the date to the next business day Change Any time during the running cycle of the On the deposit maturity or renewal day revolving deposit C no later than one day before the Changes are valid for the next cycle of the deposit maturity or deposit renewal deposit C 1 account During the business day from 0 00 to 24 00 Change Any time during the deposit renewal day from After the expiry of the next deposit cycle on revolving 0 00 to 24 00 the deposit maturity or renewal day Changes deposit are valid for the next cycle of the deposit account C 2 Terminate Any time during the running cycle of the Change of account type takes immediate revolving deposit C no later than one day before the effect deposit maturity or deposit
11. for all accounts for which co authorisation is to be set up 4 3 Limit for Mobile Bank The limit is set per user at 5 million Czech crowns per one day The limit is taken into consideration at the point hen the transaction is sent out from the transaction repository 3 4304a 10 2015 11 35 5 Account management by several users The BUSINESS 24 service allows for the assigned bank accounts and selected functionalities without the account context to be administered by several users For each of them specific rights for the given account management may be set up e g only viewing of transactions For the user to be able to administer accounts via BUSINESS 24 he she has to be included in the specimen signatures for the account In respect of selected functionalities without the account context joint holders are assigned by the decision of the authorised person In the contract the client himself herself defines one or more users who will set up the rights of managing the account via BUSINESS 24 for individual joint holders The user who sets up these rights for joint holders is called the authorised person 5 1 Authorised persons There may be an unlimited number of authorised persons for the contract For the scope of the BUSINESS 24 service joint acting of authorised persons may be defined which means that each administrative operation has to be jointly authorised by the defined number of authorised persons After the administrative operat
12. if the Client Certificate is invalid or if the PIN for chip card has been entered incorrectly The usage of the Client Certificate requires for security reasons its regular renewing the certificate expires after one year If the client fails to renew the Client Certificate within the specified timeline it will be automatically invalidated If the user wishes to continue using the Client Certificate he she has to apply for the issue of a new one at a business point where an Application for higher type of security will be drafted with the client The client will obtain a password allowing to obtain the Certificate on the basis of which it is possible to re activate the Certificate Three attempts for the entry of the PIN for chip card have been set up After three unsuccessful attempts access to the chip card will be blocked To unblock the access it is necessary to use the PUK code which the client has received together with the chip card in a special envelope If the client enters an invalid PUK code seven times in a row access will be blocked and a new card has to be issued for the client via a business point Revoking the validity of Client Certificate The client himself herself may apply for the revocation of Client Certificate after he she logs in to the BUSINESS 24 service or via a business point or via the support line at 956 777 888 on working days from 7 00 a m to 6 00 p m The validity of the client Certificate invalidated upon own
13. only for private payment cards Card account detail IB TB Card account transaction history v IB TB Payment card limit change Corporate clients only Via IB TB the authorised person for everybody and 3 4304a 10 2015 28 35 Joint Payment cards and card accounts holder Joint Joint holder E Joint Authorised Communication K holder A holderP andS holder T person Comment channels payment card holder his her own payment card only if they are listed at the specimen signature Change of payment card parameters and purchase of insurance Display and change of card password Payment card blocking Order of a replacement card Payment card unblocking List of blocked payment cards display Temporarily active cards display Financing Joint holder E Joint Authorise Communication holder P andS holder T d person Comment channels Import of list of receivables to be pledged List of receivables to be pledged 3 4304a 10 2015 29 35 Financing holder E Joint Authorise Communication holder A holderP andS holder T d person Comment channels Application for loan drawdown Available only if at least one active loan v account IB RKC P assigned under B24 exists 7 Pot T T r Ooo o S ES a D a A E E E Ooo T r S S E TeC i T o o Application for provision of a bank reference about the person Display of the list of products within a credit IB RKC P
14. renewal account During the business day from 0 00 to 24 00 Terminate Any time during the deposit renewal day from On the deposit maturity or renewal day revolving 0 00 to 24 00 Changes are valid for the next cycle of the deposit deposit C 1 account Money on a deposit account may be handled only via a business point and only on the maturity date or deposit renewal date It is not possible to execute changes or terminate a single deposit account type via BUSINESS 24 Termination of a revolving deposit account is executed by a change of the account to the single deposit account type 6 4 2 Deposit accounts Business Clients Date of order Transaction types Time of transaction entry submission for processing Open change deposit account Business day before 11 00 D p m Open change deposit account Business day after 11 00 p m D 1 6 5 FX operations 6 5 1 FX operations Types of FX operations Time of transaction entry Date of order submission for processing Eniry of single FX operations Spot Forward Swap Business day from 8 00 a m to 5 30 p m D 0 to D 365 Eniry of single FX operations Spot Forward Swap Business day after 5 30 p m Operation and weekends cannot be entered Eniry of block FX operations Spot Forward Swap Business day from 8 00 a m to 5 30 p m D 0 to D 365 3 4304a 10 2015 15 35 7 Date of order Types of FX operat
15. security or a previous application has expired i e the user has not availed of the option to renew the Client Certificate Ifachange to the user identification details occurs name surname address of permanent residence even during the time of validity of the Client Certificate issued on the basis of the original identification details Loss damage exchange of the chip card or change of e mail address The bank does not support the issuance of a subsequent Client Certificate for data which applied to a previously issued invalidated Client Certificate System Certificate The client applies for the issue of a subsequent new system certificate with I CA Before visiting I CA the client has to generate the electronic application for system certificate proper in the BUSINESS 24 Internetbanking application The application does not support the generation of the application for the primary chip card To be able to generate the application the client has to have a valid secondary chip card allocated The secondary chip card may be applied for by the owner of the BUSINESS 24 service or by the authorised person at a business point Software certificate Certificate is issued at the first time login into the application where the client is prompted to create a password for the certificate secure repository A request for certificate is generated and the certificate is downloaded to the mobile device In the event of unsuccessful download the clie
16. standing payment orders standing direct debit orders direct debits and deposit accounts the due date of the transaction expires while awaiting co authorisation the transaction becomes invalid and has to be re entered In the case of orders entered via order batch import with potential retrospective due date in the batch the order due date will be automatically updated to the current business day during the batch import In the case of payments this applies to domestic payments foreign currency payment within the bank domestic payment import and multiple domestic payments with a due date entered as a non business day the due date will be changed to the next working day and the user will be informed of this change by the following message The due date has been amended to the next working day The BUSINESS 24 IB service also offers an overview of transaction statuses for you Transactions are classified into five categories non performed transactions performed and deferred transactions transactions awaiting further co authorisation in the repository and transactions for deletion in the repository For corporate clients non performed or deferred transactions also display the reason why the transaction has not been executed Clients may additionally cancel transactions entered with a future due date and for corporate clients also transactions deferred due to lack of funds on the account Foreign payments SEPA payments and payments fr
17. technologies On its website and in its Internetbanking Ceska spo itelna uses small text files cookies which are sent to your browser This facilitates your visits to our website and provides you with more relevant content These files are used particularly to save your settings such as your preferred language for the monitoring of the website usage rates and the selection of proper communication Personal data protection principles are always carefully observed What specific cookies are used Personalisation for the identification of the preferred language and login method Authentication to verify the user for security reasons Technical to safeguard communication with the bank s system and minimum parameters necessary for the operation of the application Communication to display multimedia content Statistical to determine the usage rates of application sections Other operating systems and internet browsers may not be fully compatible with the BUSINESS 24 service and therefore the bank cannot guarantee that the service will be displayed properly and that all of the offered functions will be processed without errors 1 3 Managed accounts and cards The BUSINESS 24 service may be used for the management of accounts and payment cards which are assigned to it either automatically or manually by the authorised person Removal of accounts and payment cards from the BUSINESS 24 service is sometimes executed also autom
18. ANK Bo lg AALA che eae nen nee ee See em sneer nee ee see ns Sere een oer nee feoecree Seen es eet een EE 6 3 1 User identification and authentication ceeeccceeccceeeeeeeeeeeeeeeeeeeeeeeeeeeseeseneaeeeeeeees 7 3 2 Logging into the BUSINESS 24 and BUSINESS 24 Mobile Bank services 8 3 3 Blocking and unblocking access to BUSINESS 24 cc seessessesseeseeeeeeseseeseeesseseeeees 9 4 LIMITS USED IN BUSINESS 24 00 ccccceceeeeseeeeeeeeeeeeeeeeeeeeeeseeseeseeseeeeeeeeeseesenees 10 4T Account MMU e a eat eatin a eatin et cee te tt atte Ue 10 4 2 Co authorisation INE Senco vacate te elaine ier vente eee eee ee ieee eons 11 4 3 Limiti Mobile Bata eaa eet aaea a ara aAa a A AE TAEAE EEEn EER Ee 11 5 ACCOUNT MANAGEMENT BY SEVERAL USERS ccccccceeeeeeeeeeeeeeeeeeeees 12 Dal vA thorsed persons e ae aaa ara Aena a EEEN CERERA EE a EEEE E ea AE EENE EERS 12 5 2 Joint holder rights aranes ranana ae eiaa aa E eiaa eaa a Nea aSa vender Moadetctes 12 5 3 User authorisations ooooeneeeeeeoeeeeeenerrteeeeettttntrttteetrrtttnnnnttreetttttnnntnneeerttnnn neenon 13 6 ORDER PROCESSING AND CANCELLATION eeeeeeeeeeeeeees 13 6 1 DOMESTIC payments Syste icri nea a Ea a ar EEE Sh 13 6 2 Foreign payments system 46 ni nt aera ee eee 14 6 3 Account ODEIALONS caterer Norn aana ante en penta AEA EAEE A ante en uote ec antec 14 6 4 Deposit ACCOM sie sie tsa heh ltt tl A ld lA ad ils Sell A Sad
19. BUSINESS 24 ik org User manual A non stop available modern form of internet banking The BUSINESS 24 service is available to you from www business24 cz BUSINESS 24 Mobile Bank for iPhone or Android users Telephone support of the service in the Czech Republic Commercial clients support at 956 777 888 From abroad the following phone number is available 420 956 777 888 3 4304a 10 2015 1 35 TABLE OF CONTENTS 1 CHARACTERISTICS OF THE BUSINESS 24 BUSINESS 24 LIGHT AND MOBILE BANK SERVICES nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn nnmnnn ee 3 Tel Principle of the Se Oraa naer suede aa aE Ea EA E E ARAA AE A EA RERE DEEE TEAREN 4 1 2 Technical preconditions for the usage of the service sssssssssssserrrressssrrrrrrrrrreseee 4 1 3 Managed accounts and Cards 5 5 cc s hsts tacks hee teh ee ee te ei ce ela tiated 5 1 4 Mailing address serves e g for the sending of a new security ID and password new chip CONC CLC avn tsetse Ae ert eee ee ae sl ne 6 2 ACCESS TO BUSINESS 24 COMMUNICATION AND OTHER FEEGS 6 2 1 Fees for access to BUSINESS 24 and Mobile Bank services cccceeeeeeeereeeeees 6 2 2 Fees for connecting with the telephone banket ccccceeeeseeseeceeeeeeeeeeeeesneeeeeeeeeees 6 2 3 Fees for BUSINESS 24 administration etc other fees ccccececeeeeeeeeeeeeeeeeeeeeeees 6 3 SECURITY OF THE BUSINESS 24 AND BUSINESS 24 MOBILE B
20. BUSINESSIS 24 Mobile Bank application Concurrently when activating the BUSINESS 24 Mobile Bank the client also selects a password for a repository which serves of the confirmation of active operations Second and subsequent logins To log in you will have to use the current password for BUSINESS 24 Mobile Bank Blocking and unblocking access to BUSINESS 24 3 3 1 Blocking user access Blocking a user upon own request Blocking upon own request may be performed through the telephone banker Blocking user if incorrect client number and password are entered Only three attempts for the entry of security data which comprise of the client number and Telebanking or Internetbanking password have been set up If the client enters an incorrect password with the client number for three times in a row his her access to BUSINESS 24 will be blocked If the client is also a user of the SERVIS 24 services access to the SERVIS 24 services will be blocked as well An incorrect entry of the client number means an entry of a number other than the one which is specified in the User set up protocol which the client has received at the business point or in a consignment sent to the mailing address The entry of an incorrect password is an entry of a password other than the Telebanking or Internetbanking password which has been set up upon the last successful change Upon successful login the login attempts are reset to zero 3 4304a 10 2015 9 35 Blocking
21. Prieuro 3 4304a 10 2015 23 35 Joint Current account Joint Joint holderE Joint Authorised Communication holder A holderP andS holder T person Comment channels Entry of a foreign payment foreign payment system ZPS v v CEE PT En ofa aoe oes oer a o o Entry of a transaction for co authorisation domestic payment multiple domestic payment foreign payment SEPA Payment from FX import of domestic payment direct debit foreign payment SEPA The payment may be entered with priorities as follows Normal B KRC P DB Urgent Express AP JH IB DB IB DB PPP T IB RKC P Entry of a payment from the account in a foreign currency Entry of a payment from the account in CZK Cancellation of transaction with a future due date or of a transaction deferred due to lack of funds on the account C E E wassa TT o a e C A S S S S A OE et C A a A A A A E TCO a E a a E E E E N Cancellation of direct debit Cancellation of direct debit standing order order Display E standing order for balance adjustment Standing order for balance adjustment detail SIS SIS iT 3 4304a 10 2015 24 35 Joint Current account Joint Joint holderE Joint Authorised Communication holder A holderP andS holder T person Comment channels Setting up a standing order for balance AP has to be also adjustment joint holder A for the given Client s account IB RKC P Change of a standing o
22. a s pricelist are charged for bank deals associated with user administration Currently a sponsor for the Client Certificate e g renewal and for e g repeated sending of security data is set up In respect of a newly set up user the client on whose initiative the user is being set up is automatically set up as the user s sponsor This set up may be changed by the authorised person Sponsored person The user for whom the bank charges the fees and prices associated with the set up and administration of security tools according to the Pricelist of Ceska spo itelna a s for bank deals to the account whose owner has agreed to such arrangement via direct banking services Certificate administrator Software internet application allowing for the administration of the Client Certificate System certificate An electronic certificate registered for the contract on BUSINESS 24 for use with BUSINESS 24 Databanking It serves for the authentication of the server or system which executes automated operations It is a commercial server certificate issued by I Certifika n autorita Telephone banker An employee of Client Centre Prost jov who provides the predefined scope of services of the Bank s group to both authenticated and non authenticated users via phone User A natural person holder of security data who has logged in to the BUSINESS 24 service via the correct security data User Authorised person also authorised person A user acti
23. ain at least two letters and at the same time at least two numerals The user defines his her password when 3 4304a 10 2015 7 35 logging into the BUSINESS 24 service for the first time when the current password for Telebanking is used It is possible to can change this password at any time following an authenticated login to the BUSINESS 24 service In case of forgotten password for BUSINESS 24 it is possible to call the telephone banker and ask him her after an authenticated login to set up this password for a password identical to the Telebanking password When the user logs in again to the BUSINESS 24 service he she will define his her password for BUSINESS 24 If the user has logged in via Client Certificate it is possible to set up a new password in place of a lost or forgotten one via the BUSINESS 24 service Password for Mobile Bank First login is performed by means of a Client Number Single use code and Password for Mobile Bank Single use code can be obtained in the internet banking where the Client Number will be also displayed to you Password is a combination created by you consisting of letters without diacritical signs numerals and some other characters Password for Mobile Bank is created in the internet banking after login through the Client Certificate and its necessary for activation and subsequent logins to the BUSINESSIS 24 Mobile Bank application The password must contain the minimum of 6 and the maximum of 20 characters
24. at 15 6 PX OPSlAL ONS 25 5 2 setes E A EA 15 7 USE OF BUSINESS 2 iota sibel ia 2s Sonesta a ee ad 16 7 1 Via MMORNE TANKING cohen cies fee teiede ceca eeetetetd arena alee rane abe sate ere cxeete ya sxtececent 17 7 2 Nia telephone Banker iann aa a a E EEEREN 17 8 BUSINESS 24 SUPPOR iccsicisseduscastudvicanseduudencencuecawctenceaetansdannegundeseesvscasuearecs 17 9 IMPLEMENTING DIRECTIVE FOR THE USAGE OF ELECTRONIC CERTIFICATES IN DIRECT BANKING SERVICES ssssseeeeeeeeeeeeeeees 18 9 1 General ProviSlOnS sereen pudre et eae ti tee en ea ea ea 18 9 2 Validity and effect of electronic certificates and Chip Cards c ccceeeeeeeeeeeeeteees 18 9 3 Electronic certificate validity ren Wall ccccceeeeseeeccceeeeeeeeeeeeeeeaeeeeeeeeeeeeeeeeneaeaees 19 9 4 Electronic certificate iSSue 1 feccecetcesteceneetteetenedebreeertveesueriebeetenteeesettebrenetteeebeereretences 19 9 5 Electronic certificate invalidation ziccciceriaccetccttockeeitartsiectecctteriersiiesiarcttpetectiierieerdtectentes 20 10 OVERVIEW OF OPERATIONS IN THE BUSINESS 24 SERVICE 21 SEPA ERROR STATUSES S ioiinidi anaiena torre ee eaaa aaaeaii 26 11 LIST OF TERMS AND ABBREVIATIONG cccccssssssssssseeesesesessesseeeeeees 33 3 4304a 10 2015 2 35 1 Characteristics of the BUSINESS 24 BUSINESS 24 LIGHT and MOBILE BANK services BUSINESS 24 BUSINESS 24 is an internet and telephone banking which is pro
25. atically but in most cases they are removed by the authorised person Adding an account and card After first login the BUSINESS 24 service will be automatically activated for the main primary account specified in the contract for the authorised person and the card account if it has been set up for the same account owner as the main primary account Concurrently with these accounts all payment cards issued for these accounts will be automatically added to the BUSINESS 24 service Other current savings or card accounts are added to the service by the authorised person via the BUSINESS 24 service Only those accounts which are identified by the contract as the client s accounts may be added Together with the current or card account payment cards issued for the account will be added as well A payment card holder who is not at the same time the authorised person may add only his her own card This 3 4304a 10 2015 5 35 card will be added to this user automatically only upon first time login to the BUSINESS 24 service For corporate clients newly provided loans credit lines bank guarantees and newly opened deposits accounts are automatically added to the BUSINESS 24 service All joint holders with passive rights in respect of at least one current accounts added to BUSINESS 24 will be automatically assigned with passive rights in respect of deposit accounts added in this manner The right to view loans of corporat
26. ation and serving for the provision of access to direct banking services of the user using enhanced security of communication with the bank e g the Client Certificate Security SMS These include authorisation SMS messages applies only to the services of SERVIS 24 and login SMS messages set up for the concerned user 3 4304a 10 2015 33 35 BUSINESS 24 Databanking BUSINESS 24 Databanking is a data interface allowing the client who has activated the BUSINESS 24 service and who uses an accounting ERP or other system supporting Databanking to avail of direct communication between this system and the bank Usage has to be permitted by the bank Certification authority An institution which issues administers and invalidates certificates Chip card A secure repository of the certificate an independent microprocessor on a card pursuant to ISO 7916 Chip card reader Hardware device necessary for the use of chip cards Electronic certificate A data message issued to the client or authorised person by the certification authority which serves for the purposes of electronic signature generation particularly of the identification and verification of identity of the acting client or authorised person Bank s financial group Includes the bank subsidiaries members of the Ceska spo itelna Financial Group a company which has decisive asset share in the bank the bank s parent company and companies where the bank s parent company has a mo
27. bmitted the system will detect that this is a first time login and the client will be 3 4304a 10 2015 8 35 3 3 asked to enter four randomly selected characters from their security ID and will define their password for Internetbanking see section 3 1 User Identification and authentication entry password for the BUSINESS 24 Internetbanking service The security ID and Telebanking password is specified in a special registered mail consignment which the client receives by post for personal delivery after you have contracted the BUSINESS 24 service The client number forms part of the User set up protocol Second and subsequent logins To log in it is necessary to use the client number and current password for BUSINESS 24 and the login SMS code if applicable 3 2 2 Procedure for login via client certificate First time login Before first time login it is necessary to install the necessary components The installation package is available from the csas cz website under the Downloads section https www csas cz PKIInstall Upon the first time login to BUSINESS 24 it is possible to activate the Client Certificate even if the client has not previously logged in using the client number and Telebanking password It is possible to do so on the login screen of BUSINESS 24 through the Certificate administrator entry into application option In this case the client only inserts the chip card into the reader connected to the comput
28. d Switzerland It contains new additional fields which allow for a better identification of the payment for the payer and for the payee optional fields TB Telephone banker TPI Standing direct debit order TPRZ Standing order for balance adjustment TPU Standing payment order VU Deposit account UU Loan account ZP Foreign payment Administrative operation An operation which results in a change to the set up of the BUSINESS 24 service and user rights Accredited client A client who has signed a contract or framework contract on dealing in financial markets with the Dealing unit and on the basis of the bank s business decision has been entered in the bank system allowing to offer this client individual terms and conditions for dealing in financial markets The client is informed of such decision of the bank Active financial transaction Transactions resulting in transfers of money Security ID A number which is required particularly during first time login to the BUSINESS 24 service and when unblocking a user It is an eight digit number provided in a security envelope Security data Unique identifiers client number security ID and Telebanking password which are automatically allocated to each newly set up user for the purposes of his her unique identification for providing of access to direct banking services Security tools Security features allocated by the bank to the user for the purposes of his her identific
29. e 11 00 D p m 1 Prieuro payment a payment in the EUR currency which is executed from the payer account to the payee account within four hours of the moment the payer submits the order to his her bank the order has to be without errors and the payer account has to have sufficient funds to cover the payment Hence the payee will receive the money on the very day it was sent by the payer Prieuro payments may be performed for payees from banks supporting this type of service FIT Payment payment in EUR to an account of a client of an ERSTE GROUP Account operations 6 3 1 Account operations Corporate Clients Date of order Types of account operations Time of transaction entry submission for processing Set up change cancel TPRZ Business day before 2 30 D p m Set up change cancel TPRZ Business day after 2 30 p m D 1 Set up change cancel SI Business day before 3 00 D p m Set up change cancel SI__ Business day after 3 00 p m D 1 Set up change cancel TPU TPI Business day before 10 00 D 1 p m Set up change cancel TPU TPI Business day after 10 00 p m D 2 3 4304a 10 2015 14 35 1 Note Direct debits for SIPO payments may be set up only from a sporogiro account Czech Post does not execute direct debit payments from current accounts 6 3 2 Account operations Business Clients Types of account operations Time of transaction entry Date of order submission
30. e clients will be set up by the authorised person via the Loans Exchange of Documentation activity settings and subsequently through the settings of passive rights for individual loan accounts both for himself herself and for other joint holders Loans of business clients will be added to the service by the authorised person via the BUSINESS 24 service and subsequently the authorised person will set up the rights for other joint holders Loans of business clients are assigned under the service by the authorised person by means of BUSINESS 24 Removing an account or card The Main Primary account cannot be removed For corporate clients closed deposit accounts closed loans credit lines and cancelled bank guarantees will be automatically removed It will not be possible to manually remove or add loans credit lines and bank guarantees from to the BUSINESS 24 service Nevertheless the client will be able to manually remove or add joint holder rights to individual joint holders For business clients closed loans will be removed automatically A payment card may be removed by its holder or by the authorised person Upon card removal by its holder the authorised person will still be able to see the card If the card is removed by the authorised person the card holder will still be able to see the card A removal of a current or card account will result in the removal of payment cards issued for the account Card acco
31. ecurity data which will be sent to him her to the entered mailing address for BUSINESS 24 After unblocking the current set up of the client s user roles for accounts will be restored 3 3 3 Blocking the client contract A user or the authorised person may apply for the blocking of client via the telephone support the BUSINESS 24 service or via a business point 3 3 4 Unblocking the client contract The client may be unblocked solely by the authorised person of the given client via the telephone support the BUSINESS 24 service or via a business point 3 3 5 Blocking the access to the BUSINESS 24 Mobile Bank application It is possible to block the access to the BUSINESS 24 Mobile Bank application via Internetbanking or Telebanking but also in the event you enter the password for Mobile Bank incorrectly three times in a row You can also use the Deactivate button on the login page of the application or in the application menu after you are logged in 3 3 6 Unblocking the access to the BUSINESS 24 Mobile Bank application You can unblock the access to the BUSINESS 24 Mobile Bank application only via Internetbanking where you have to set the password for Mobile Bank again and to generate the single use code 4 Limits used in BUSINESS 24 4 1 Account limit This is the maximum daily amount of active transactions which may be entered and submitted for processing from the given account within the scope of the BUSINESS 24 service on a bu
32. ening change of a current account open change a deposit account set up access to contract block the contract unblock the contract set up co authorisation parameters set up data statements activate deactivate change statement series for Business Clients set up the sending of advices perform joint holder users administration perform sponsored person administration apply for cheque issuance apply for debit card issuance apply for the provision of a bank reference on the authorised person himself herself apply for the set up of a balance regulation standing order apply for loan drawdown e submit templates e display documents sent via BUSINESS 24 5 2 Joint holder rights The following rights or combination thereof may be set up for users joint holders Active transactions A right the joint holder may enter transactions associated with transfers of money from the given account or send payment instructions files for collection accounts Passive transactions P right the joint holder has access to information associated with the given account e g the account balance Joint co authorisation of transactions S right the joint holder may co authorise authorise transactions which have exceeded the co authorisation limit chapter 4 2 Co authorisation limit refers and which are stored in the repository of transactions awaiting co authorisation One co authorisation of this joint holder inc
33. er and selects the appropriate option from the login screen Thereafter the client will be prompted to enter the PIN for the chip card This PIN is provided in the envelope together with the chip card which the client has received after the conclusion of the Higher type security protocol at a business point Following the entry of the PIN the client is redirected to the entry of 4 randomly selected characters from the security ID The security ID is specified in a special registered mail letter which is delivered by post to the client s own hands when the BUSINESS 24 service is contracted Second and subsequent logins To log in the client uses the activated client certificate The user inserts the chip card to the reader connected to the computer Once the client selects the appropriate option on the login screen he she will be prompted to enter the PIN code for the chip card For more details for login through client certificate please refer to the Client Certificate Manual 3 2 3 Procedure for login to BUSINESS 24 Mobile Bank First time login First time login via a mobile phone or tablet is performed by means of a Client Number Single use code and Password for Mobile Bank Single use code can be obtained in the internet banking where the Client Number will be also displayed The password for Mobile Bank is created in the Internetbanking following login via the Client Certificate and its necessary for activation and subsequent logins to the
34. er will be advised of this fact when submitting the application for Client Certificate prolongation System Certificate The renewal of the system certificate via direct banking services is not supported by the bank The client may apply for the issue of a new system certificate Software certificate Software certificate is automatically renewed If the client enters an active transaction within the interval of 30 90 days prior to the certificate expiry the request for a new certificate will be generated Upon the next active transaction the certificate will be downloaded If the client does not enter any active transaction within the interval of 30 90 days prior to the certificate expiry but only in the interval of 0 30 days the client will be prompted to enter the password for secure repository immediately after the login and the certificate request will be created and the certificate downloaded Until the certificate is successfully downloaded the client cannot use the application If the certificate expires the client has to deactivate its device in the IB and to re generate the single use code and password for the MobileBank 9 4 Electronic certificate issue Client Certificate In the following cases the user may must apply for the issue of a subsequent new Client Certificate at a business point by submitting the application The Client Certificate issued on the basis of the protocol and concluded contract on higher type of
35. ertificate may be downloaded to the chip card no later than on December 31 of the year preceding the expiry date of the chip card 9 3 Electronic certificate validity renewal Client Certificate The validity of a user s Client Certificate may be renewed throughout its effective period providing the following conditions are met An effective contract on higher type of security has been concluded between the user and the bank and the user has not advised any change to his her identification details specified in the protocol application The user completes and submits an application for renewal via the certificate administrator in a manner allowing the bank to receive it before the Client Certificate expires Although the renewal of the Client Certificate means the issue of a new one the current contract on higher type of security will remain in effect in this case and once the certification authority successfully issues the Client Certificate the previous certificate will be automatically invalidated The bank will advice the client of the expiry of the Client Certificate at least one month before the end of its standard validity through the BUSINESS 24 screen and concurrently by an e mail message sent to the e mail address specified in the protocol application The bank shall decline Client Certificate renewal if the user does not have his her own account activated for direct banking services and he she is not a sponsored person The us
36. et browser installed 3 4304a 10 2015 4 35 Supported operating system versions Supported browser versions Microsoft Internet Explorer 10 Microsoft Internet Explorer 11 Mozilla Firefox last 3 versions Google Chrome last 3 versions Microsoft Windows 7 SP1 Microsoft Internet Explorer 10 Microsoft Windows 8 Microsoft Internet Explorer 11 Microsoft Windows 8 1 Mozilla Firefox last 3 versions Google Chrome last 3 versions Safari 6 and higher Mozilla Firefox last 3 versions Google Chrome last 3 versions Mac OS X 10 9 Mavericks Mac OS X 10 10 Yosemite Linux distribution CentOS version 6 and higher Linux distribution Ubuntu version 12 10 and higher Mozilla Firefox last 3 versions Google Chrome last 3 versions The latest browser versions are tested following their release for the period of 3 months and the application is adopted to them in order to safeguard full functionality and proper display The BUSINESS 24 Internetbanking application requires a browser capable of processing websites according to the following standards HTML 4 01 as per recommendation W3C HTML 4 01 Specification and the ISO IEC 15445 2000 standard JavaScript as per recommendation ECMAscript 262 rev 3 CSS 3 as per recommendation W3C CSS3 Values and Units HTTP 1 1 as per recommendation IETF RFC2616 TLS 1 0 The storing of cookies has to be allowed Usage of cookies and similar
37. h requires disclosure of Client number and full name the access is limited only to this offer of services Account or joint holder set up detail Transactions entered via BUSINESS 24 In case of standard authentication following the provision of the client number password for Telebanking and upon first authentication in the SERVIS 24 Telebanking service also selected positions from the security ID the client will get access to a broader offer of services Account or joint holder set up detail Payment card detail Transactions entered via BUSINESS 24 Transaction history Enquiry on the balance and a number of other information 8 BUSINESS 24 support Should problems while using BUSINESS 24 be encountered it is necessary to contact telephone support at the below provided numbers Assistance with the following may be requested here Problems with the Contract on the provision of BUSINESS 24 Complications with accounts and cards assigned under BUSINESS 24 Enquiries about BUSINESS 24 functionality Errors in BUSINESS 24 functionalities Technical problems with BUSINESS 24 Problems with Client Certificate BUSINESS 24 set up and installation Transaction complaints Balance enquiries Setting up passive access to an account Non generated statements Client data inconsistencies e g obsolete data in the bank systems Contact details from fixed lines at 956 777 888 from mobile phones
38. hich the operations may be executed Some of the operations associated with account administration do not need to be necessarily conducted directly at the business point but they can be executed by phone through the BUSINESS 24 support lines chapter 8 BUSINESS 24 support refers or via the internet Joint Joint holder User administration Joint Joint holder E Joint Authorised Communication holder A holderP andS holder T person Comment channels Application for additional sending of new security data security ID and Telebanking password Application for the generation of a new password for the obtaining of the certificate and the sending of the PKI mailer aS eee Unblocking of password for BUSINESS 24 5 gia cial TB IB co Rg rr Sonra Ce FSO A A A A a a A Oc e G C SE a A A a ee o E Application for the sending of a chip card Available only if chip card expires CA a p e aa ee E Use of certificate P T only if the obligation to login via v v v Client Certificate has been set up for them 3 4304a 10 2015 21 35 Joint Joint holder User administration Joint Joint holder E Joint Authorised Communication holder A holderP andS holder T person Comment channels Login via client number and password Unless the obligation to log in via higher v v v v v security has been set up for the joint holder A A User administration set up of authorisations for activities Sponsored persons administration a
39. inistrator or via the BUSINESS 24 line tel 956 777 888 the user will provide his her name surname and birth number The user shall be obliged to invalidate the Client Certificate if he she suspects that it has been abused or if his her chip card is lost or stolen After the bank receives the client s justified application for Client Certificate invalidation it shall forthwith revoke the validity of the Client Certificate and since that moment it will not be possible to use the certificate for internet and telephone banking and the certificate shall be invalidated by the certification authority The invalidation of the Client Certificate irrevocably terminates its validity and it is no longer possible to use the certificate System Certificate The bank does not support the invalidation of the system certificate via internet and telephone banking but the client may use the direct banking services to enter a ban on the use of a system certificate allocated to his her contract on the use of direct banking services The revocation of validity of the system certificate is provided by I CA Software certificate Software certificate alone cannot be invalidated In order to invalidate the certificate the BUSINESS 24 Mobile Bank service has to be deactivated 3 4304a 10 2015 20 35 10 Overview of operations in the BUSINESS 24 service The overview specifies individual operations by the user rights and the communication channels through w
40. ion is created it is stored in so called administrative operations repository where it awaits authorisation by other authorised persons If the operation is not authorised by the necessary number of authorised persons within thirty days of its creation it will become invalid Joint handling by authorised persons is not applicable to active card operations A client natural person who concludes the contract is automatically assigned the role rights of the authorised person without the option to cancel this set up If the client concludes the contract for a legal person the account owner statutory representative does not need to be the authorised person and may appoint other persons to assume this role If the authorised person is specified for the accounts of the given client assigned under BUSINESS 24 also on the specimen signature it will have automatically all rights for the handling of money on the accounts of the given client i e the right to conduct active transactions passive transactions and joint co authorisations which may be changed to independent co authorisation The set up of rights for activities requires a power of attorney for the authorised person and subsequent electronic authorisations for other users in BUSINESS 24 The authorised person is authorised to perform the following administrative transactions e add an account e remove an account e enter an account name set up an account limit apply for the op
41. ions Time of transaction entry submission for processing Entry of block FX operations Spot Forward Swap Business day after 5 30 p m Operation and weekends cannot be entered FX orders Business day from 8 00 a m D 0 to D 30 as to 5 30 p m per the conditions of entry FX orders Business day after 5 30 p m Operation and holidays cannot be entered General information Orders payments entered on a weekend or holiday or on a day before a weekend or holiday after 10 00 p m for corporate clients after 11 00 p m for business clients will be handed over for inter bank posting on the first business day following the day of entry Orders payments entered on a day before a weekend or holiday before 10 00 p m for corporate clients before 11 00 p m for business clients with a due date D 1 and D 2 e g Spot will be executed on the first and second business day following the last non working day without being changed to another type of order Where payment transactions apart from standing payment orders standing direct debit orders direct debits and deposit accounts are co authorised in BUSINESS 24 and the due date of the transaction expires while waiting for co authorisation it is possible to update this date by adding the remaining co authorisation within thirty days of the due date and to execute the transaction with the current due date After thirty days the order becomes invalid and has to be re entered If in the case of
42. ith the BUSINESS 24 service is sent to the user Non accredited client A client who has not signed a contract or framework contract on dealing in financial markets with the Dealing unit and has not been entered in the bank system allowing to offer the client individual terms and conditions for dealing in financial markets Business day Any day when the bank and other banks in the Czech Republic are opened and when settlement of inter bank deals is executed Business point A branch a regional corporate centre or a headquarters unit corporate clients real estate and mortgages and municipal financing Passive transactions Any information provided via the BUSINESS 24 service Payment card A non cash payment instrument It includes all types of cards debit card credit card additional credit card charge card prepaid card Signature specimen A power of attorney form where the client specifies the authorised persons the client may include himself herself among the authorised persons signature specimen of these persons or the scope of their authorisation Primary account An account to which the contract on the provision of the BUSINESS 24 service is related Protocol also Higher type security protocol A document drafted if the client is interested in obtaining the Client Certificate a security tool which is considered to be an invitation to act addressed to the bank for the purposes of concluding a higher security contract
43. ment orders payments Time of transaction entry submission for processing Individual payments entered and signed by Client Business day before 10 00 D Certificate s p m Individual payments entered and signed by Client Business day after 10 00 p m D 1 Certificate s Express payments entered or imported and signed by Business day before 14 00 D Client Certificate s p m Express payments entered and signed by Client Business day after 14 00 p m D 1 Certificate s 6 1 2 Domestic payments system Business Clients Date of order Types of domestic payment orders payments Time of transaction entry submission for processing Individual payments entered and signed by Client Business day before 11 00 D Certificate s p m Individual payments entered and signed by Client Business day after 11 00 p m D 1 Certificate s Express payments entered or imported and signed by Business day before 14 00 D Client Certificate s p m 3 4304a 10 2015 13 35 6 2 6 3 Foreign payments system 6 2 1 Foreign payments system Corporate Clients Date of order Types of foreign payment orders Time of transaction entry submission for processing Foreign payments entered with Express priority BGN DKK GBP HRK HUF CHF CHF PLN NOK RON Business day Derore 11 00 D SEK a m Foreign payments entered with Express priority EUR CZK USD CAD See day before 2 00 D
44. ng on behalf of the client on the basis of authority specified in respect of him her in the contract User Joint holder also joint holder A user who is authorised to handle money on the client s accounts on the basis of an authority and within the scope assigned by the user authorised person thereto A joint holder has to be specified in the valid specimen signature for the concerned account Credit line A credit scope of a predefined amount which includes one or more loan products Application also application for higher type security A document specifying the client s requirement addressed to the bank for the change of identification data associated with a security tool Client Certificate 3 4304a 10 2015 35 35
45. ngle Contract on the provision of BUSINESS 24 4 2 1 Detailed description of setting up co authorisations 1 In the SETTINGS tab select the USER SETTINGS option from the left menu and then the Set up co authorisation option 2 In the List of co authorisation settings screen select the account in respect of which co authorisation is to be set up 3 The Change co authorisation set up step 1 of 2 screen will come up Select Yes for Set up co authorisation enter the amount from which transactions are to be approved by several joint holders in the Co authorisation limit field if each transaction is to be co authorised by several joint holders enter 0 and enter the number of joint holders who have to co authorise a transaction for it to be processed in the Number of co authorisations field 4 If you wish the confirmation of transaction acceptance to be delivered to you complete the By e mail field and select the Continue field 5 If you wish the confirmation of transaction acceptance to be delivered to you complete the By e mail field and select the Continue option 6 In the Change co authorisation set up step 2 of 2 screen check the entered details and select Send for confirmation 7 On the next Transaction acceptance confirmation screen select the Continue to set up co authorisation option and repeat steps 2 5
46. nt can continue working in the application however without an option to submit active transactions The certificate will be downloaded at the next login 3 4304a 10 2015 19 35 9 5 Electronic certificate invalidation Client Certificate The Client Certificate may be invalidated upon request of the user or in cases when the bank is entitled to invalidate the Client Certificate The Client Certificate has been issued on the basis of untrue or falsified data or the validated and certified data are no longer valid and the bank learns about this fact The user failed to pay the price for the issue of the Client Certificate or has breached any obligation implied by the contract on higher type of security The user has died and the bank learns about this fact Automatically when the contract on higher type of security expires and the user has been using security via Client Certificate or if a subsequent new Client Certificate has been issued upon application submission Automatically when the client has advised a change of data to the Client Certificate and has not applied for a follow up new client certificate within the established timeline The issuance of Client Certificates for the purposes of the bank has been terminated If concerned authorities have decided about the invalidation in compliance with effective legal regulations The user shall be entitled to invalidate his her Client Certificate solely via certificate adm
47. ntifies inconsistencies between the Client Certificate content and data in the Protocol Application he she shall be obliged to invalidate the certificate and to forthwith advise the bank to this effect The certificate shall be stored in the chip card and it shall be intended for securing direct banking services The bank does not provide support for the use of the certificate outside the applications of direct banking services The certificate secures Data integrity Obligation to provide response Confidentiality of data Set up of a shared secret key within the protocol for secure data exchange Direct encryption and decryption of data Direct signing of data 9 2 Validity and effect of electronic certificates and chip cards The validity of electronic certificates has been set to the period of one year of the day of its issue by the certification authority Information on the period of validity of the Client Certificate with the specification of exact time point of certificate expiry may be obtained any time during its use from the footer of BUSINESS 24 screens from the Settings tab under My settings via certificate administrator from the BUSINESS 24 line tel 956 777 888 from the Regional Corporate Centre or from another business point Throughout its validity the electronic certificate is in effect i e it may be used to secure direct banking services as defined in this Manual The possibility to
48. o each user when the service is contracted The client number serves for the purposes of the client s authentication upon login It is possible to apply for a change of the client number through a business point If the user logs into the BUSINESS 24 service by Client Certificate the appropriate client number will be displayed in the Settings menu Telebanking password A six digit number which the user has received at a business point of the bank or via registered mail for personal delivery and which serves for the client s authentication when communicating with the telephone banker and for the first time login to the BUSINESS 24 service The client can change the Telebanking password via the automatic voice response service In cases of lost or forgotten password it is possible to set up a new password via the BUSINESS 24 service if the client has logged in via the Client Certificate When talking to the telephone banker the user can apply for the generation of a new password for Telebanking For it to be sent it is necessary to provide the required positions from the security ID A client may request the generation of new security data also at a business point of the bank BUSINESS 24 Internetbanking access password The password is a combination of numerals and letters of the client s choice of at least 8 and no more than 30 characters distinguishing between upper and lower case and without the use of diacritical symbols which should cont
49. o the transactions 3 4304a 10 2015 32 35 The current version of the BUSINESS 24 user manual is available from the website of the bank www csas cz under the Downloads section 11 List of terms and abbreviations B24 BUSINESS 24 Cc Current running cycle period of deposit on a deposit account FX Foreign currency D Current business day when the date of transaction entry is a business day or the first business day after the entry of the transaction when the transaction entry date is not a business day DB BUSINESS 24 Databanking FOO Natural person private individual FOP natural person entrepreneur HPU Multiple payment order IB Internetbanking IVR Automatic voice response service Pl Direct debit order PU Payment order DP Domestic payment HDP Multiple domestic payment RKC Regional Corporate Centre of CS a s P A branch of CS a s PO Legal person SI Direct debit STP Straight through processing a cross border transfer as referred to by the Regulation of the European parliament and Council EC no 2560 2001 is a payment in EUR to EU and EEA countries with specified IBAN and BIC code with fees disposition SHA and without further instructions from the client SEPA Single Euro Payment Area SEPA is a uniform area for the execution of payments in EUR SEPA includes countries of the European Economic Area EU countries Norway Lichtenstein Iceland an
50. of non executed transactions Display and print of the text account statement and its export Display and print of the electronic statement Export of the data statement Export of the MT940 statement Generation of the print report for the data statement Contract blocking Contract unblocking Change of password Change of contact details Blocking of a user Application for the sending of a chip card Display of bank messages by type The BUSINESS 24 LIGHT service is governed by the same rules principles and technical preconditions as the BUSINESS 24 service as specified below Should the account owner be interested in using the BUSINESS 24 service in full scope he she can ask for the transfer of the BUSINESS 24 LIGHT service to BUSINESS 24 service at a business point BUSINESS 24 Mobile Bank Mobile application is a service that enables you to administer your finance safely and comfortably at any time and from any place by means of a mobile telephone or a tablet with operating system iOS iPhone iPad iPod touch or Android The application is available free of charge in the Czech and English version At present the application is supported for operating system iOS version 6 and higher and for Android version 4 0 and higher Types of managed accounts Current accounts Deposit accounts Savings accounts Major features Displaying of account balances Entry of domestic payments and foreign cur
51. oint holder E and S SIS Joint holder T Joint holder T v v Authorised person Authorised person Communication Comment channels Available only if an active account for PAYMENT 24 assigned under B24 exists Communication Comment channels Display of the setting of BUSINESS 24 Display of the current bank messages Display of messages to be handled Settings wizard 3 4304a 10 2015 Login via Client Certificate 31 35 Exchange of documents i i holder E Joint Authorised Communication holder A holderP andS holder T person Comment channels Send templates Applicaton tor oemed o oo a for certificate Transactions entered by type T joint holder require co authorisation Only for business clients Only for clients included in the corporate clients A user with the account owner profile AP JH who works in the context of an accredited client Only in cases of login through the Client Certificate Such authorisations for activities are set up by the selected authorised person The special authorisation of the authorised person is stipulated by the contract Corporate clients only The transaction entry date may be updated by adding the remaining authorisation and the transaction may be executed with the current date within thirty days of the due date expiry Transactions for this purpose are payment orders batch import Sending to so called administrative operations repository does not apply t
52. om foreign currency accounts entered with a future due date via BUSINESS 24 cannot be cancelled on the due date In all other cases it is not possible to cancel transactions additionally via BUSINESS 24 Should you be uncertain about any postings of entered orders or payments it is necessary to contact the telephone support of the BUSINESS 24 service For all transactions the transaction reference number will be automatically displayed in BUSINESS 24 The client can use this number for transaction identification e g in a statement or it will facilitate any potential complaint in respect of a transaction entered via BUSINESS 24 The BUSINESS 24 IB service also allows for the sending of e mail confirmations about accepted transactions about transaction history account details etc These documents are also of an informative nature The transfer of data is carried out in a standard manner without any special security features and therefore the bank cannot guarantee that they will not be obtained by a third person on the way from the bank to the client BUSINESS 24 is also equipped with a control function checking for unwanted duplicities of domestic transaction entries When executing a domestic payment a multiple domestic payment or orders import the BUSINESS 24 service checks the transactions previously entered on the same day and if it identifies an identical transaction entered by any of the joint holders in respect of the given account it
53. rder for balance AP has to be also adjustment joint holder A for the given Client s account Cancellation of a standing order for balance AP has to be also adjustment joint holder A for the given Client s account Entry of multiple domestic payment from a CZK account 3 4304a 10 2015 25 35 Joint Current account Joint Joint holder E Joint Authorised holder A holderP andS holder T person SEPA error statuses v Multiple deletion of orders from a batch v Import of a domestic payment direct debit batch ABO format or MC format Import of a domestic payment direct debit batch from several accounts of the payer at v one time Import SEPA batch in xml y Display of a text account statement and its export Display of an electronic account statement and its export Display of the account balance Activate deactivate change statement series v v v Payee templates set up change cancellation use and export thereof Template download v Template import v Application for the set up change of a current account Account management with passive access Display of transactions for co authorisation v v v v v Comment The XML files where you can find information on not performed SEPA payments direct debits The format complies with the version PAIN 002 001 03 approved by the European Payments Communication channels a e re es Tt ei Z A C o rre ce a E e C o r ke
54. re than 25 asset share of the registered capital or a share in excess of 25 of voting rights Current information on the members of the Bank s financial group is available from the bank s website and at its business points Password for obtaining the certificate A one time password for the confirmation of the application for Client Certificate IVR Automatic voice response service Client An entity natural person private individual natural person entrepreneur legal person who concludes a contract with the bank and who is the owner of the primary account to which the BUSINESS 24 IB service is linked Client Centre Prost jov Also KCP A workplace of the bank which provides by means of phone SMS messages or e mail messages direct banking services including their support and information on products ands services of the entire Bank s group Client Certificate An electronic certificate issued to the user of the SERVIS 24 BUSINESS 24 services The user uses it for authentication into the SERVIS 24 Internetbanking BUSINESS 24 Internetbanking services and for the authorisation of transactions entered via the SERVIS 24 BUSINESS 24 services It is a commercial personal certificate issued by I Certifika n autorita Commercial client A client whose contract on the maintenance of current account states that he she is maintained in the Commercial Clients group Mailing address The address to which correspondence associated w
55. reases the current number of co authorisations by one Exclusive co authorisation of transactions E right the joint holder may co authorise authorise transactions which have exceeded the co authorisation limit chapter 4 2 Co authorisation limit refers and which are stored in the 3 4304a 10 2015 12 35 repository of transactions awaiting co authorisation a single co authorisation of this joint holder substitutes all missing co authorisations and the transaction is subsequently sent for processing Entry of transactions to the repository of transactions awaiting co authorisation T right the joint holder may only enter transactions which are sent to the repository of transactions awaiting co authorisation where they await authorisation by a joint holder E or by the necessary number of joint holders S Payment card administration K right the joint holder may carry out active operations with the cards The individual user rights may be combined Their specification is provided in chapter 10 List of BUSINESS 24 operations Tab 1 For better orientation the individual types of joint holders are identified with the letters A P S E T and K A single user may be the authorised person and a joint holder at the same time The authorised person is automatically maintained as the joint holder with the A P S rights with the possibility to change S to E and the K right The T right may be set up only if co authorisation has
56. rency payments within the bank Entry of FX Spot Forward deals 3 4304a 10 2015 3 35 Co authorisations of transactions import of batch bulk payment single payment foreign currency payment and express payment foreign payment SEPA payment direct debit order Displaying and cancellation of pending and non executed payments Sending of push notifications on non executed payments and transactions for co authorisation Transaction history searching Display of FX tables and utilisation of exchange calculator Searching for Ceska spo itelna ATMs and branches Our important contact details Conditions Account in Ceska spo itelna see the Types of managed accounts with joint holder rights A active P passive S joint co authorisation or E separate co authorisation Active BUSINESS 24 Internetbanking or BUSINESS 24 LIGHT for the set up of password for Mobile Bank Contract on higher security Option to log into B24 IB also with the client number and password 1 1 Principle of the service Users log into the BUSINESS 24 service at www business24 cz The BUSINESS 24 service also allows for the use of telephone banker support chapter 7 2 Via telephone banker and chapter 8 BUSINESS 24 support refer 1 2 Technical preconditions for the usage of the service The recommended equipment for the proper functionality of the SERVIS 24 Internetbanking application is a personal computer with operating system and intern
57. request of the client cannot be renewed If the client wishes to continue using the Client Certificate he she has to apply for the issuance of a new certificate at a business point Blocking the security ID Only three attempts for the entry of the security ID have been set up If the client enters an incorrect security ID three times in a row it will become blocked It is not possible to unblock the security ID the client will always have to apply for the generation of a new security ID via a business point or a telephone banker If the client applies via a business point the new security ID will be generated and provided to him her immediately If he client applies via the telephone banker the new security ID will be sent to him her by registered mail consignment for personal delivery to the client s mailing address 3 3 2 Unblocking user access The client can perform the unblocking of access to the BUSINESS 24 service via a telephone banker or via the BUSINESS 24 service if he she logs in through the Client Certificate unblocking via the PUK code If the client is also a SERVIS 24 user access to these services will become unblocked as well The only exception is blocking of access through the Client Certificate and blocking of the security ID which may be unblocked only by a personal visit to a business point If the user blocks his her access to the entire BUSINESS 24 service he she can unblock it by applying for the generation of new s
58. rity data are provided by the bank to the client automatically upon opening the BUSINESS 24 service The Client Certificate is provided by the bank upon the user s requirement at the business point The user may apply for the Client Certificate for BUSINESS 24 either at the time of contracting the service or any time later but only via a business point The validity of the Client Certificate is one year The user can renew the Client Certificate via the BUSINESS 24 Internetbanking service BUSINESS 24 Mobile Bank is secured through the following security features Use of multi level security first time login is performed by combination of internet banking security elements with the password for mobile bank Utilisation of software certificate Automatic logoff in case of idleness Option for shake out logoff Detection of non standard set up of the operating system Automatic blocking in case of repeated incorrect login 3 attempts 3 1 User identification and authentication The precondition for performing active as well as passive transactions in respect of the account is the user s identification by means of the security features General information on the services provided by the bank s financial group is accessible without authentication The following security features are used to authenticate the user Client number A ten digit number which is specific in the User set up protocol The User set up protocol is given t
59. security tool Login SMS 3 4304a 10 2015 34 35 A SMS message sent by the bank to the client to his her mobile phone which contains a login SMS code Login SMS code A numerical code contained in the Login SMS which serves for the purposes of authorisation of security data when the client logs into the BUSINESS 24 Internetbanking service Co authorisation Additional confirmation of active transactions or administrative operations by other joint holders as per the set up authorisations A co authorisation power may include a power of joint or separate co authorisation The signature of the joint holder authorised to perform separate co authorisations replaces any number of joint holder authorisations with the power of joint co authorisation Direct banking services Services provided by the bank to the client within the scope of which the client may execute active and passive transactions and administrative operations via telephone internet or other remote communication tools Contract The contract on the provision of BUSINESS 24 Contract on higher type security An agreement between the user and the bank on the basis of which the user is provided with a Client Certificate It is a contract on the usage of a security tool as referred to by the respective item of the General business terms and conditions of Ceska spo itelna a s Sponsor A client of the BUSINESS 24 service to whose primary account prices as per the Ceska spo itelna
60. siness day It is an optional limit which may not be exceeded on the given day not even if you are using the Client Certificate 3 4304a 10 2015 10 35 The account limit is automatically preset to 100 000 000 CZK in words one hundred million Czech crowns with the possibility to increase it up to 10 000 000 000 CZK in words ten billion Czech crowns or to decrease it via the BUSINESS 24 service The limit may be adjusted decreased or increased only by the authorised person using a Client Certificate The limit is not affected where active transactions conducted between the accounts of a single owner assigned under BUSINESS 24 which are also assigned to the user who performs the transaction are concerned For example if two current accounts are assigned under one contract the limits are not affected by transfers of money between those accounts In respect of foreign currency accounts the limits are set as equivalents of the amounts in CZK as per the current FX rate of the account currency at the time of posting the required transaction Limits are recalculated using the non cash buy rate The limits are zeroised every day at 11 00 p m 4 1 1 Detailed description of setting up the account limit 1 In the SETTINGS tab select the ACCOUNT SETTINGS option from the left menu and then the Set up account limit option 2 In the List of account limits screen select the account for which limits are to be set up 3
61. the sending of security SMS messages or upon login to the service via Client Certificate The set up may be requested at any business point Important notices Disclosure of the aforementioned security features may jeopardise the security of data administered by the BUSINESS 24 service It is advisable not to disclose the special registered mail consignment or individual security features to anybody and to protect them from loss or theft When using the BUSINESS 24 service at computers which are not under the client s direct control e g in public premises internet caf s office or school computer networks it is necessary to use the login SMS for logging in On its part the bank is obliged to carry out all measures to safeguard the security of all systems and processes which secure the operation of direct banking services from the possibility to obtain the client s security data by unauthorised persons from the bank systems and records The client will be informed of the implemented security measures Nevertheless the bank is not responsible for the disclosure of security data if these are disclosed on the part of the client or person selected by the client for use of the BUSINESS 24 service PDF files sent via e mail are secured with a digital signature which will allow the client to check that the e mail has been generated in the bank and has not been altered by any third party 3 2 Logging into the BUSINESS 24 and BUSINESS 24 Mobile Bank ser
62. unts may be removed by the authorised person Only if the card account is cancelled it will be removed automatically together with all cards issued for it 1 4 Mailing address serves e g for the sending of a new security ID and password new chip card etc It may be changed only by an authenticated user either through the BUSINESS 24 service telephone support or at any business point The change of mailing address takes effect immediately 2 Access to BUSINESS 24 communication and other fees The following fees may be associated with the usage of the BUSINESS 24 service 2 1 Fees for access to BUSINESS 24 and Mobile Bank services Internet connection communication fees for internet connection as per the pricelist of the connection provider 2 2 Fees for connecting with the telephone banker Telephone fees during contact with the telephone banker on the support line as per the price list of the specific operator 2 3 Fees for BUSINESS 24 administration etc other fees Fees for the administration of the BUSINESS 24 service monthly fee for service maintenance fee for client certificate and reader and for the repeated sending of security data where applicable etc these are charged from the client s main primary account specified in the contract on BUSINESS 24 3 Security of the BUSINESS 24 and BUSINESS 24 Mobile Bank services The BUSINESS 24 service is secured the following with security features of direct banking
63. use services requiring the use of an electronic certificate is linked to its validity and effect Client Certificate Client Certificate invalidation renewal or change of data therein is described in detail in chapter 3 BUSINESS 24 security of this Manual System Certificate If the client requires securing direct banking services by system certificate he she may after having signed an amendment to the contract on the use of direct banking services generate an application with a password to obtain a system certificate The bank does not issue invalidate or renew prolong system certificates The client may use a system certificate by registering the system certificate in the direct banking services The bank does not provide software or support for the implementation and use of system certificate on the part of the client The use of system certificate security applies solely to the BUSINESS 24 Databanking direct banking service Software certificate This is a necessary prerequisite for function of the BUSINESS 24 Mobile Bank service This certificate is issued by Ceska spo itelna a s Certificate is provided free of charge with one year validity Obtaining of the certificate is subject to a separate contract Chip card 3 4304a 10 2015 18 35 For technical reasons the validity of the chip card is limited The expiry date is provided on the chip card in the YYYY format which applies to December 31 of the given year The last valid c
64. vices The usage of the BUSINESS 24 service is conditioned by a login which serves for the identification and authentication of the user The BUSINESS 24 service requires a mandatory login via Client Certificate for all active financial transactions and administrative operations This practically means that if the user wishes to execute any transaction or operation which will result in a change to the administered account balance or which will change the original set up of the given account he she has to login using the Client Certificate Passive transactions checking the balance transaction history etc and the entry of transactions for co authorisation may be implemented even after login via the client number and password or the login SMS where applicable The security set up may be also changed to require the user to log in via Client Certificate at each time i e not only when conducting active financial transactions and administrative operations but also upon each login to the application This set up however thereafter excludes the possibility to log in via the Mobile Bank BUSINESS 24 mobile application 3 2 1 Login via client number and password or login SMS procedure First time login When login screen of the BUSINESS 24 application comes up from the internet address www business24 cz the client will be asked to enter the client number and Telebanking password fields Client number and Password Once the data are su
65. vided primarily to business and corporate clients of Ceska spo itelna a s hereinafter referred to as the bank on the basis of a contract associated with the client s main primary account hereinafter referred to as the account owner which is specified in the Contract and which may be changed Accounts may be serviced via the BUSINESS 24 internet banking by persons who have been set up as persons authorised to manage the accounts so called users hereinafter referred to as the user Access to the service by phone allows not only for user support but also for the execution of selected Administrative operations filing of complaints and obtaining of information on executed and non executed transactions BUSINESS 24 LIGHT The BUSINESS 24 LIGHT service a simplified version of BUSINESS 24 and is intended solely for corporate clients who may use it to obtain information on the following passive transactions on accounts which have been assigned to the service Display of the list and details of accounts current loan deposit savings Display of passive operations on payment cards Display of the list and detail of bank guarantees Display of the list and detail of overdraft accounts Display of the list and detail of Credit lines Display of the current loan burden of the client Display of the account balance Display of the transaction history Display of the list of advices Display of the list
66. will display a warning The user may then check the previously entered transactions and cancel the entered transaction or execute the transaction Use of BUSINESS 24 In addition to account management via internet banking the BUSINESS 24 service offers also support communication with the telephone banker who will answer more complex questions and who may also carry out certain administrative operations associated with the administration of the account 3 4304a 10 2015 16 35 7 1 Via internet banking The BUSINESS 24 service is available from the internet address www business24 cz and allows for easy management of client accounts using clear menus and intuitive use of the application For a more detailed description of internet banking please refer to the BUSINESS 24 Help document which is available from the login page under the link Was your login unsuccessful and in the screen footer under the link About the service When executing an active transaction the service will always prompt the client to approve the transaction on a confirmation screen and to confirm by means of the Client Certificate 7 2 Via telephone banker Support for the BUSINESS 24 service is available on workdays between 7 00 a m and 6 00 p m at 956 777 888 when calling from abroad 420 956 777 888 After the welcoming message and language selection CZ EN the client will be forwarded directly to a telephone banker In case of accelerated authentication whic

User manual - Česká spořitelna

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User manual - Česk&aacute; spořitelna

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User manual - Česká spořitelna