ARBES OBS Internet Banking

ARBES OBS Internet Banking provides bank clients with a secure, efficient, flexible and fully configurable interface to all banking products and services. The graphic design, menu structure, supported languages and integration with the core banking system is fully customizable. The products and services exposed by the Internet Banking module range from a standard banking portfolio to state-of-the-art electronic payment or microPayment tools.

Key features

Web application in a standard web browser for bank customers
Full range of information of all bank products and services used by bank customers
Account balances in all open currencies
Transaction orders
Account transaction history
Details and history of term deposits, loans and other financial assets
Access to consolidated statements

Allows structured secure bi-directional communication with responsible bank staff
Transaction orders, requests for banking operations, general queries
Highest level of security
Various levels of customer authentication
Communication encrypted by 128-bit HTTPS
Full customization

Security

The security of the Internet Banking module is comprised of the following:

Client identification and authentication is formed by any combination of:
- a unique client ID or payment card number with a static password
- a bank-generated password sent to a pre-registered client GSM phone
- a randomly generated digitally signed password
- a one-time password generated by a security token
Cryptography - all communication is encrypted with HTTPS (SSL 128-bit or higher)
Auditing - all client requests and actions are automatically recorded into the system audit trail

Customized Solution

The Internet Banking solution can be customized in many ways depending on specific client requirements. The following are the mechanisms for doing so:

full national localization
graphic layout based the corporate logo
lookup list and parameter management
free attributes, which enable the expansion of the standard attributes set in the system