What does a regular Internet bank consist of?

This question worries not only students - future financiers or bankers, the answer to it is looking for potential clients, ordinary people. It is no secret that financial settlements of modern people are carried out through the intermediation of banks and other credit institutions. If a user of the world wide web wants to make money transfers without leaving his home, or he needs a loan, or he is looking for the most profitable deposit option, he needs a reliable Internet bank.

Only an inexperienced and reckless person will grab the first resource they come across. It is a sin not to take advantage of the widest choice and availability of information about each banking institution. By the way, those who want to open their own bank in the virtual space may be interested in the question of what the Internet bank consists of. The Internet bank consists of a set of devices based on special technologies.

Thin client technology is commonly used. Its meaning lies in the fact that all information about the client is in a single copy and is not subject to replication. In the same way, under centralized protection, there are directories of currencies, BIC, SWIFT, as well as separate directories for each client. Having installed the browser, the client gets access to the data of the "main" database.

If we take Internet banking in Russia as an example, then the “thin client” technology is practically not used. Indeed, in order for it to function normally, additional software is required:

    Web technology.
    Web software.
    Java applet.

Applying only the first type of technology, the clients capabilities are significantly limited. But if you add the other two to it, more reliable security of the information exchange process will be provided, and the work will be much easier and more convenient. To use the Web with the software and a Java applet, additional costs will be incurred by the bank and the customer.

To create your own Internet bank, which would work in a normal mode, as it turned out, you can use various technologies, depending on financial and technical capabilities. You should also know that Internet Banking consists of a set of modules:

    Client side.
    Internet server.
    Server for storing information database.
    Gateway to BAS (Banking Automated System), required for information exchange between systems. It is used in real time, in batch, or a combination of both.

To fully understand what constitutes an Internet bank, you must also use other technical methods that guarantee maximum security. These include security tools built into MS IE or third party utilities.

For example, in order for the client to work in a convenient and safe mode in the WEB-interface system, special hardware is installed, the corresponding software on the clients side with an additional Plugin-module.

Subsystem "Internet-Client"

To ensure the effective functioning of the bank, it is necessary to solve complex problems within the framework of "RBS BS-Client x64". Internet technologies provide opportunities for using a huge range of services. The "Internet-Client" subsystem can be both an independent mechanism and a part of the "RBS BS-Client x64" complex.

 
Advantages of the "Internet Client"

    The subsystem in question is highly flexible, responds adequately and quickly responds to changes in settings.
    It has high performance: one document provides traffic up to 20 Kb.
    Applies only certified cryptographic information protection tools.
    It uses one-time codes to confirm documents.
    Reliable support for SafeTouch monitoring devices.
    Affordable use and implementation in Internet banking using web technologies.
    Legal basis, high protection of the Internet channel.
    Easy interface, understandable at the level of intuition, which adds convenience.

The tasks that the Internet banking subsystem is able to handle:

    Data entry, processing of payments, other documents from private entrepreneurs and legal entities.
    Transfer of messages.
    The client receives any necessary information in different formats.
    Creation of a perfect inter-commerce system for the client and the bank.
    Using the technology "Office - Mobile Manager" and its support.
 

Internet banks and their use

We figured out what the Internet bank consists of, which means that it is now clear that such devices make our life more comfortable. For businessmen, this is an indispensable tool for saving precious time. And for all other active modern people, the Internet bank provides tremendous opportunities: without leaving home, send payments, receive them, pay utility bills, pay for services. A thrifty and enterprising person will use a virtual bank for a more profitable investment of funds. Moreover, he has a unique opportunity to cooperate with several Internet banks in order to transfer his capital to a bank with more favorable conditions on time. After all, as they say, money should make money.

Round-the-clock service, low commissions, time savings, convenience and speed of transfers - all these characteristics are superior to conventional banking institutions.

You can simultaneously use Internet banking of popular banks, whose stationary branches are located on the territory of a persons residence. And you can become a client of a separate virtual bank, open an account or take out a loan, depending on your needs.

And finally, having got acquainted with the technological structure of the bank, anyone with professional knowledge in the financial and banking sector can open their own virtual bank and benefit themselves and potential clients.