Internet banking - |
The GNI@ WEB BANK24/7 system provides the clients of our partners with remote banking services for performing many online transactions at any time and from any device connected to the Internet global network. A web browser is used to perform financial transactions, so there is no need to install the client part of the system software.
Our solution fully supports the latest versions of all major web browsers (Google Chrome, Safari, Microsoft Internet Explorer, Mozilla Firefox, Opera, Yandex) on both personal computers, laptops, and mobile devices (adaptive web version).
We take into account the individual characteristics of our clients' business, their strategy, vision of the products provided and the corporate style. Our team develops and coordinates the individual design according to the wishes of clients and in line with modern trends and current market tendencies.
Our solution fully supports the latest versions of all major web browsers (Google Chrome, Safari, Microsoft Internet Explorer, Mozilla Firefox, Opera, Yandex) on both personal computers, laptops, and mobile devices (adaptive web version).
We take into account the individual characteristics of our clients' business, their strategy, vision of the products provided and the corporate style. Our team develops and coordinates the individual design according to the wishes of clients and in line with modern trends and current market tendencies.
Main advantages of GNI@ WEB BANK24/7 solution
Complex approachthe solution enables to perform all financial transactions online, similar to such operations in a branch of the organization, both for individuals and for legal entities if permitted by local laws.
IntegrationThe front-end side of the solution works on the same principle as microservices with back-end side. Such solution provides a prompt response to the execution of all assigned commands resulting in high quality of service. There are no limits for the amount of data processed.
CustomizabilityThe solution is based on built-in constructors, allowing clients to manage their workflows independently without programmers involvement.
Multilanguage capabilityThe system supports an unlimited number of languages, certainly resulting in a positive effect on the product overall perception by the end user.
User-friendly interfaceThe system works through a web-based user interface and does not require installation of any desktop software. In addition, the system allows individual users to customize their own interface and selected transactions, and helps to create transaction templates for better client servicing.
Data integrityAny possibility to violate the data integrity is technologically excluded with the procedure of microservice and logging of all transactions, as well as accounting operations, which pass through the user interface. A transaction is conducted completely or not conducted at all — "rollback mechanisms". The system excludes conducting of any backdate transactions and/or transactions prohibited within the general business chain of an organization. Data integrity is ensured by using the redo log engine that permeates the system and its tables.
TransparencyThe solution provides transparency of all client activities using units and subunits of client reports (statements), as well as various types of notifications on conducted transactions.
ContinuityThe system ensures 24/7 uninterrupted operation using an intermediate data storage procedure and built-in cyclical checks for data exchange with the main bank systems. In addition, stress test and control procedures were embedded into the system for load check by the number of transactions conducted per minute, per hour and day.
Applied technologies
The front-end client side is based on Java Spring technology, user back-end interface is based on Oracle Apex 5.1, application server — on Oracle Weblogic 12 and database server — on Oracle 12.
The platform supports two technologies of integration with external systems and subsystems: SOAP and REST.
One of the main priorities of our company is the client's business security. According to this concept, client identification is performed at the time of logging into GNI Software internet banking system with an e-signature certified by the state and/or a generated electronic key (token).
The session (communication channel) between client and system is encrypted with a 256-bit key. GlobalSign or its analogues are generally used.
A range of intermediate servers (application servers) is put between the front-end internet banking systems and the back-office internet banking system (DBMS servers) to process queries and transfer a transaction for execution and/or stop it. These intermediate servers are located in the DMZ zone.
Based on many years of experience and current trends in the field of financial security, we recommend that banks use various firewalls, IDS and IPS systems to track suspicious queries, DDos attacks, etc.
The platform supports two technologies of integration with external systems and subsystems: SOAP and REST.
One of the main priorities of our company is the client's business security. According to this concept, client identification is performed at the time of logging into GNI Software internet banking system with an e-signature certified by the state and/or a generated electronic key (token).
The session (communication channel) between client and system is encrypted with a 256-bit key. GlobalSign or its analogues are generally used.
A range of intermediate servers (application servers) is put between the front-end internet banking systems and the back-office internet banking system (DBMS servers) to process queries and transfer a transaction for execution and/or stop it. These intermediate servers are located in the DMZ zone.
Based on many years of experience and current trends in the field of financial security, we recommend that banks use various firewalls, IDS and IPS systems to track suspicious queries, DDos attacks, etc.
GNI@ WEB BANK24/7 modules and subsystems
Subsystem functional capabilities:
- setup and management of online and offline registration of individuals;
- setup and management of processes for online and offline registration of individual entrepreneurs;
- setup and management of processes for online and offline registration of legal entities;
- creation and management of client group profiles (CRM-groups), types of clients and particular VIP-clients;
- setup of one-time and periodic (day, week, month, quarter, year) limits for each type of transaction;
- setup of time limits for each type of transaction. This block includes setup of a specific time and/or time period;
- subsystem for management of general exchange rates for foreign exchange transactions that are conducted within internet banking system;
- subsystem for management of online queries for individual exchange rates for foreign exchange transactions that are conducted within the internet banking system;
- setup and management of client identification processes including individuals, individual entrepreneurs and legal entities;
- setup and management of client verification processes. Built-in Maker-Checker technology;
- full logging of all transactions and client activities throughout the entire operation time of internet banking
Subsystem functional capabilities.
For individuals:
For individuals:
- registration of new current accounts;
- display of account balances and cash flows for up to 1 year;
- online statement retrieval in PDF, MS EXCEL, XML or sending to a specified email address of a client;
- order of new cards or subcards;
- display of card balances and cash flows for up to 1 year;
- online card statement retrieval in PDF, MS EXCEL, XML format or sending to a specified email address;
- card blocking or unblocking;
- card-to-card transfer transactions; card replenishing;
- card connection to SMS-informing services, to SMS-banking;
- registration of new deposits, display of balances and cash flows for up to 1 year;
- online deposit statement retrieval in PDF, MS EXCEL, XML format or sending it to a specified email address;
- display of schedules on deposit accrued interests;
- binding of deposits to a specified account or card;
- replenishment and/or partial withdrawal on deposits within the limits set by the bank;
- registration of new loan applications both on credit lines and on new loans;
- display of loan application status;
- current limits change query;
- status display of limits change applications;
- display of loan and credit line balances and cash flows for up to 1 year;
- online loan statement retrieval in PDF, MS EXCEL, XML format or sending to a specified email address;
- display of loan repayment schedule;
- scheduled or prescheduled loan repayment;
- money transfers between client accounts;
- intra-bank money transfers to other clients;
- non-cash purchase, sale and conversion of currencies at common exchange rates set for the internet banking system;
- non-cash purchase, sale and conversion of currencies at individual exchange rates via online queries in the internet banking system;
- local money transfers through available payment systems;
- international money transfer via SWIFT system;
- intra-bank money transfer via Cash-by-code system;
- instant money transfer via Instant Payment System (IPS).
- utility and government online payments via all local operators in the market;
- creation and management of money transfer templates;
- creation and management of utility payment templates;
- subsystem "Personal accountant" to display and analyze client assets and liabilities, incomes and expenses;
- features for uploading/attaching documents on completed transactions signed by e-signatures or tokens;
- registration of new current accounts taking into account integration with systems of the State Tax Service or other state agencies of the country;
- display of balances and cash flows for up to 1 year;
- online statement retrieval in PDF, MS EXCEL, XML format or sending to a specified email address of an organization;
- order of new business cards;
- display of balances and cash flows for all client business cards for up to 1 year;
- online statement retrieval in PDF, MS EXCEL, XML format or sending to a specified email address;
- business card blocking or unblocking;
- card-to-card transfer transactions; card replenishing;
- card connection to SMS-informing services, to SMS-banking;
- registration of new deposits taking into account integration with systems of the State Tax Service or other state agencies of the country;
- display of deposit balances and cash flows for up to 1 year;
- online statement retrieval in PDF, MS EXCEL, XML format or sending to a specified email address;
- display of schedules on deposit interests;
- binding of deposits to a specified account or organization card;
- replenishment and/or partial withdrawal on deposits within the limits set by the bank;
- registration of new loan applications both on credit lines and on new loans;
- display of loan application status;
- current limits change query;
- status display of limits change applications;
- display of balances and cash flows for up to 1 year, online statement retrieval in PDF, MS EXCEL, XML format or sending to a specified email address;
- display of repayment schedule on all current loans, including credit lines;
- connection of loans and credit lines to SMS-informing services and SMS-banking;
- scheduled or prescheduled loan repayment;
- money transfers between client accounts;
- intra-bank money transfers to other clients;
- non-cash purchase, sale and conversion of currencies at common exchange rates set for the internet banking system;
- non-cash purchase, sale and conversion of currencies at individual exchange rates via online queries in the internet banking system;
- local money transfers through available payment systems;
- international money transfer via SWIFT system;
- tax voucher payment;
- VAT payment as per tax invoices;
- other budgetary payments;
- instant money transfer via Instant Payment System (IPS).
- management of payroll card programs including information uploading via Excel/XML packages for salary payment to organization's employees.
- intra-bank bulk payment management via Excel/XML package;
- management of bulk payments with help of available local payment systems for money transfers via Excel/XML packages;
- bulk budget and VAT payments management via Excel/XML packages;
- multi-level transaction confirmations, customizable for each client; split of transaction typing/creating processes and transactions approval/confirmation procedures;
- creation and management of money transfer templates;
- creation and management of utility payment templates;
- subsystem "Personal accountant" to display and analyze client assets and liabilities, incomes and expenses;
- features for documents uploading/attachment on completed transactions signed by e-signatures or tokens
The subsystem enables to identify clients and to verify transactions using one-off SMS tokens. The system generates authentication keys in chaotic manner, providing the ability to set and control the time of key usage/update as per transaction.
The system enables to identify clients and verify transactions using available biometrics (fingerprint, if an appropriate device is available).
The solution supports client identification and verification of transactions with one-off e-signatures of available operators within the country.
The system supports setup of integrations with all bank external systems and with external card processing centers through a separate integration interface. Its features enable to split banking processes (cut off procedure) into main bank system transactions (automated banking system) and internet banking system transactions to ensure 24/7 operations.
The module provides storage of signed files for all transactions performed in the internet banking system. All documents are stored in a separate electronic document management subsystem powered by the ALFRESCO platform. The front office of the internet banking system has direct integration through the "microservices" procedure with the specified subsystem to enable clients to upload documents/files on signed transactions.
The solution is fully integrated with an e-mail notification subsystem to timely inform clients about selected events including sending bank statements from all client accounts, paying from current accounts, receiving money to an account, increasing/decreasing limits, etc
The solution is fully integrated with an SMS notification subsystem to timely inform clients about selected events, including system login, paying from current accounts, receiving money to an account, increasing/decreasing limits, etc.
Implementation of GNI@ WEB BANK24/7 internet-banking solution for individuals and legal entities takes on average from 3 to 6 months exclusive of the period of approval of the individual design by the bank.
Get in Touch
- Azerbaijan, Baku, AZ1014, st. Samad Vurgun, 43, "World Business Center"
- +994 12 597 22 49
- ©2020 GNI Software.