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Introduction
The fast development of the The Internet directly affects the development of new technologies for creating bank information systems. Approaching the final user is global level tendency that all banks that adjust their information systems towards providing services on the The Internet gravitate to.
Global The Internet network even today enables us to : order and buy goods, conduct banking transactions of limited scope, usage of credit cards (VISA, Master Card, etc.). development of security tools for coding and ciphering of data will contribute to faster development of banking dealings that could be done through The Internet. The Internet expansion brought the development of software, creation of graphic tools for development of information systems that backup The Internet dealings. This tendency for developing The Internet tools is accepted by such companies as ORACLE, Microsoft,etc .
Homebanking
Homebanking application offers its account holders the possibility to do a part of their business dealings practically "from home", i.e. by using their PC and The Internet network. Bank's data protection from unauthorised access consists of installtion of homebanking data on a separate server. This server has programs and data base solely for the users of homebanking services, and has to be devided from the bank's Intranet network.
Apart from data protection from unauthorised access, there is protection from unauthorised data access in the scope of the database for homebanking. This kind of protection protects the data from the homebanking database with the access rights, i.e. only the data owner can see his data and nobody else. This kind of protection exists thanks to the password (Pin) that every user of homebanking has. When creating a password, the similar algorithms as those for creating protection for credit cards are used. This protection provides great security with data access.
Homebanking user has the obligation to register with his identification data (personal number, name and surname and address) if he is citizen, and if it is a firm, with its identification data (source number, name of the firm, address). Based on the entered identification data, the password (Pin) and manual is being deliverd to the user written in closed envelope.
Jobs that are included in the homebanking project are devided in four entities:
Creating of Home page for the bank
Dealings with citizens
Dealings with firms in the country and abroad
General service
Home page - for the bank Creating of
As a part of the program, there is expert help for creating the Home page on the The Internet that uses the latest tools, and it includes giving suggestions about the usage of the created design by using pictures or video clips. We offer training of bank associates for creating own Home pages for presentation of organizational parts, the possibility of bussiness cooperation with organizational parts of the bank and the final users, presentations of rules and manuals for operating of some of the sectors, consulting services for creating e-mail addresses for the bank's associates, and training for usage of e-mail.
Dealings with citizens
Dealings with citizens include basic bank services that account holders-citizens can perform through The Internet.
After the user's registration and obtained password, the user decides which services he wants to use. For each service, there is price list of certain services. For the banks with more branch units, the user has to denounce operating units in which he has got opened accounts.
For account holders-citizens, the following services are available:
States and credit cards. Based on the entered personal number and password, even the final user has the possibility of obtaining data about the state of all of his bank's accounts, about credit cards for the opened accounts, as well as the graphic description of changes on the account.
Requests - credit cards. Application and fillig of the request for issuing credit cards that are issued by a bank (Bank's card, VISA, Master card,…)
Transfer of funds. It is possible for the account holder to, using the The Internet, issues a warrant for transfer of funds in the scope of his accounts, or to transfer funds from one of his accounts to a third party's account.
Permanent warrants. Using this program enables your account holder to conduct a payment of permanent warrants (electricity bills, telephone bills, etc.).
Checks. Warrants for issuing blank checks (home delivery), as well as the possibility of insight into unrecorded checks.
Dealings with firms
These dealings include basic banking services that account holders-firms from the country and abroad can obtain through the The Internet. After the user-firm registration and obtained password (Pin), the user decides which services he wants to use. For each service, there is price list of certain services. For the banks with more branch units, the user has to denounce operating units in which he has got opened accounts.
For account holders-citizens, the following services are available:
States and credit cards. Based on the entered source number and password, the final user has the possibility to obtain data about the states on all accounts that he has, about credit cards and graphic presentation of changes on his account.
State of deposits. Changes originated on the firm's gyro account , as well as the average state (monthly, quarterly, annually) of the account's funds.
Account holder's identity card. The program provides a complete insight into states of every request, debt, state of funds, state of firm's stocks in the bank.
Stocks. Firm- user of services can see the stock capital state at the bank. The entire number of votes in the bank's assembly depends on the the stock capital.
IOS's. Coordination of opened items of demand and debt with the bank
Statements. Obtaining accpunt statements from the bank about the new changes that appear at the firm's accounts in the bank
Payment warrants. Introducing payment circulation into banks through the The Internet with additional protection of the user's identification will be performed along with the payment from the firm's account (Project is in the process of creation)
Deposit of funds from abroad. Notification of deposit from abroad (warr-743)
Other services created at the bank's or user's demand.
General service
General service includes providing services of the bank that can be used by all users that sign up at the bank's Home page, no matter whether they do or do not cooperate with the bank. This service gives useful information, all with the goal to attract new users of bank services. The service has indefinite possibilities of spreading information that are useful for every user, and all of that again to provide the better status of the bank.
General service presents only a part of useful items:
Kursna lista Mogu se izlistati podaci kursne liste za odredjeni datum ili podaci o kretanju kursa za konkretnu valutu u nekom odredenom periodu. Data je mogućnost vodjenja 7 vrsta kurseva deviza, 5 zvaničnih koja je izdala NB i dva kursa deviza na paralelnom tržištu deviza.
List of exchange rates. It is possible to list the data from the list of exchange rates for a certain date; or the data about the course of concrete currency in a certain period. There is a possibility to keep record of 7 types of exchange rates.
Graph. For each currency, it is possible to create graphs of the exchange rate for a given period.
Conversion. User of homebanking services has the possibility to conduct conversion of foreign exchange from one currency to another one very easily.
Interest calculation. Programs for interest calculation enable the user to enter the data and to perform the complete interest calculation applying the konforna mathod
Amortization plan. For the analysis of the demanded loan, you can calculate the interest and create the amortization plan of realization and the amount of installment.
Bank's business policy. Present the complete business policy of the bank with valid interest rates for the loans that the bank credits, commisions and compensations that the bank charges for their services.
Development of other services that bank provides.
Bank's firms offer
If the bank is the founder of several firms for dealings in the areas that are not directly connected to providing bank services (trade, insurance, tourism, etc.), throuhg the The Internet it is possible to directly administrate to the Home page of one of bank's firms, where you can seek the services that the named firms provide.