What does a regular Internet bank consist of?

Internet Banking is a provided service for managing a clients bank account via the Internet, which is also implemented at our Bitcoin exchanger. Every hour there are more and more people on the virtual web. Requests are growing inexorably. The banks system, its stability, as well as confidence in financial and credit institutions are growing and improving.

Making money transfers while sitting at a computer, paying for utilities, telephone and cable TV, the ability to submit online applications for a loan and tracking deposit movements is every persons dream. To implement it, it is enough to find a reliable Internet bank in the global network. The Internet is full of a wide range of services, availability of information about the banking institution of interest and reviews about it. In addition to the positive aspects of the Internet bank, users are interested in what the Internet bank consists of. A modern financial instrument known as the Internet bank consists of a set of devices with technologies embedded in it.

Thin client is a well-founded technology. Its effectiveness lies in the centralized storage of information, which does not provide for replication to the client base. Individual directories, directories on currencies, SWIFT and BIC of each client are assigned to the central server. To get started, the user needs to install only one program - a web browser to view and edit information in the "main" database.

However, Internet banking systems in Russia practically do not use “thin client” technology. For the system to work properly, it is required to install a number of additional software to secure the client and use the functionality of the system to the maximum. Programs that are designed to solve a way out of this situation:

1. Web technology only.
2. Web using software.
3. Java applet only.

Internet bank and its components

A reliable internet bank consists of all possible solutions. Because, by introducing the use of only web technology, there is a danger of limiting the capabilities of the client. Together, all three technologies will provide increased safety while working in the system, as well as ease of use. However, to use reliable technology, both parties (the user and the banking institution) must agree to incur some costs. Such expenses are fully justified and will serve the system participants faithfully.

Internet Banking includes the following modules:

1. Client side.
2. An Internet server installed in advance in banks.
3. User database server containing documentation, keys, and help information.
4. Gateway to the Banking Automated System, providing information exchange. Working state: real-time, batch, joint.

Having opened the veil of secrecy of what the Internet bank consists of, it is appropriate to mention the use of additional modules that guarantee enhanced security when working in the system. Protection built into MS IE, third-party software - increase the productivity of information exchange.

As an example, you can install additional programs in the Web interface system to improve the quality of service, and in the client part, equip it with a Plugin module or buttons for making clicks.

Subsystem "Internet-Client"

"RBS BS-Client x64" is the possibility of implementing the tasks of the "Internet-client" subsystem of the "thin" browser-based "client bank" A variety of services becomes possible with the use of Internet technologies. The system is efficient as an independent program, but is often included in the RBS complex.

Advantages of the "Internet Client"

The subsystem has the following distinctive features:

1. The client makes the preferred settings.
2. Good performance (traffic per document does not exceed 20 Kb).
3. Using certified cryptographic information protection tools such as Crypto and Message.
4. One-time access keys provided.
5. Control of entered data
6. Mass implementation in Internet Banking based on web technology.
7. Legal security, support for SSL and TLS protocols.
8. A documentary interface that is understandable even for a novice user.

Tasks that are successfully solved by the subsystem of which the Internet bank consists:

1. Processing of entered data, payments and orders of residents and non-residents.
2. Message exchange.
3. Providing account statements.
4. Organization of commerce in the person of the bank for each client.
5. Creation of a model of clearing and settlement systems online.
6. Implementation of information technology "Office - mobile manager".

Internet banks and tariffs

After reading the article, it became clear what the Internet bank consists of. There was one more question on the agenda: "What are the tariffs for using Internet banking?" Transferring money from one account to another, converting, paying for various services in the Internet Bank is subject to a lower commission. The explanation is that the client himself acts as a bank operator, and the site plays the role of a division of a financial institution. It is not uncommon for the site to charge a certain conditional cost for services at the initial stage of its connection. Therefore, users often “sort out” Internet banks, guided by the argument of the minimum commission. Managing an account via the World Wide Web is considered an inexpensive customer service option. Although, the bank has the right to charge an additional subscription fee for this Internet service.

The user needs a personal computer with access to the global network to work in the "Internet client" subsystem in order to secure the work with the account. Connecting Internet banking, managing an account from a home computer online - very soon it will become commonplace for every person.