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With the help of Internet banking, you can. User manual for using the "Internet banking" system in JSC "JSSB Belarusbank"

In Russia, it does not stop improving. The mechanism of functioning of the electronic settlement system is plastic cards, which include transactions carried out using ATMs, an electronic settlement system of the population in trade organizations. But the most common will be the implementation of services via the Internet.

Internet banking- is the provision of banking services via the Internet with the possibility of round-the-clock access any day of the week from any place where there is access to the Internet.

The development of Internet banking is now quite promising. More and more are beginning to implement systems that allow them to interact with customers over the Internet. One of the promising areas is providing clients with mechanisms that will allow them to make payments quickly, regardless of the location of the recipient and the bank whose services he uses.

Internet banking has a number of significant advantages:

saving time;
accounts are monitored around the clock;
any online payments go through without delay and without the personal involvement of the account holder.

Characteristics of Internet banking

There are three most important characteristics of online banking systems required by customers:

functionality (available to clients operations);
ease of use of the system (user interface);
ensuring the security of storage and transmission of financial information.

The wider functionality Internet banking systems, i.e. the more services are available to the bank's clients via the Internet, the more complete and in demand such a system will be.

Convenience one or another Internet banking system, as a rule, is expressed in the following:

how friendly the user interface is on the client side of the system;
how clear and simple is the installation and configuration software;
how convenient and simple are the usual methods of performing operations in the system for obtaining various banking services, especially for novice users.

Protection of Internet banking systems should provide:

unambiguous identification of interacting subjects (client and bank);
encryption of transmitted financial information;
security of information transmission channels;
protection of information carriers.

Internet banking problems

Let's consider the problems associated with Internet banking. There are already quite a few such problems. Some of them are related to the specifics of banking. Part of it is due to the peculiarity of the Internet.

The main problems of Internet banking in Russia:

insufficient supply of services;
poor development of the personal market segment;
safety, problems associated with digital signature.

Let's consider each problem of Internet banking separately.

Not so long ago, banks could relatively calmly ignore the low, but still existing demand of the population for banking Internet services. Until recently, this could not appreciably affect their market position. However, the situation is changing: in Russia he feels more and more confident; consumption of both consumer goods and durable goods is growing; the demand for paid services is increasing. All this is already forcing consumers to more often turn to the services of banks and not only.

A serious problem on the way of development and implementation of the bank's Internet project is personnel problem ... The quality and efficiency of solving any problem directly depends on the qualifications of the specialists who undertake it. For the development and maintenance of Internet banking systems, programmers, system administrators, web designers, experts in computer and communication security, economists, marketers, and lawyers are needed today. All of them should have a good idea of the world of the Internet, which is now far from always achievable.

On the way of Internet banking, there were psychological problems ... There are two extreme points of view among bankers. Those who adhere to the first of them believe that The internet is dangerous and we don't need it. The position of the latter is the opposite: "The Internet is extremely promising, and it is necessary to develop an Internet business, no matter what it costs us." Both radical judgments only reflect the different stages that people usually go through when starting to get acquainted with the Internet. Thus, the absolute denial of the appropriateness of its use is characteristic of those who are not familiar with the global world Internet. Fanatical faith is characteristic of those who have just learned about the opening horizons. The result of the first of the misconceptions can be a technological backwardness of the bank, and the result of the second - the expenditure of significant funds without a specific return.

There is only one sure way to develop a more professional attitude towards the Internet - you just need to keep mastering it.

There are also serious technical difficulties, and problems associated with electronic digital signature (EDS).

There are several main technical problems:

Firstly, realization... In addition to the usual difficulties, those associated with the choice of tool and software technology are added.
Secondly, creating the desired configuration... The difficulty lies in the huge variety of system software for Internet complexes. This also includes the problem of choosing a web server, proxy server, firewall, mail server, FTP server, etc. As a result, personnel and financial approaches usually begin to dominate - preference is given to systems that are either familiar to employees of automation departments, or will be easier in development, or specialists in their service will cost the bank less.
Thirdly, protection... Experts refuse to discuss it in a technical aspect.

Along with other problems of expanding the Internet banking market, two reasons - insufficient supply of services and security problems - are undoubtedly key for the current stage of its development in Russia. It remains to be hoped that domestic banks will finally understand that the prospects for the development of the online services market are entirely in their hands and depend on their initiative.

Internet banking development trends

Would like to note modern tendencies development of Internet banking in Russia.

Firstly, the activity has increased and the role of developers of specialized equipment and software for the needs of Internet banking has increased, both by domestic companies specializing in banking automation and by Western developers entering our market. For instance, Russian company"BIFIT" has developed the iBank system, which today is already in operation in 23 Russian banks... Number of users new service each of these banks has from 30 to 250 clients - legal entities.

Secondly Internet banking is developing either in combination or in parallel with the development by the same banks of means of organizing e-commerce - payment and trading Internet systems. Examples of such activities: a joint project of Avtobank and the IT company, the ElIT-Card internet payment system, the CyberPlat® payment system. It should be added that in parallel with the services of Internet banking in banks and companies close to them, which are often part of the same financial group, other Internet services are actively developing: Internet trading and Internet insurance.

Thirdly, the introduction of other areas of remote banking services in banks simultaneously with Internet banking is expanding: telephone banking, RS-banking and this year's novelty - WAP-banking (a joint project of GUTA-Bank and MTS). Wherein various forms remote services do not compete with each other, but, on the contrary, largely complement each other, providing customers with a wide choice of channels for accessing their own bank accounts.

Today there is every reason to believe that in the near future Russian market Internet banking will face serious progressive changes, both quantitative and qualitative.

The extensive development of the corporate Internet banking market will continue next year. However, active development will be possible provided that the banks themselves begin to actively promote Internet banking services to their customers. The main problem of the market is the poor awareness of bank customers about the possibilities of remote services through Internet banking.

In the near future, serious changes should also take place in the segment of personal Internet banking. A powerful impetus in the development of the market should be the release by leading developers of Internet banking systems solutions focused exclusively on individuals.

Internet banking is a software and hardware complex of JSC ASB Belarusbank», Which allows you to manage your account through the global network.

Important! One client can have only 1 account in the "Internet banking" system.

Only holders of a card issued by Belarusbank can connect to the service. Connection of "Internet banking" is carried out via the Internet or during a personal visit to the bank.

Connection procedure through the Belarusbank website

To connect the service through the site, the following steps are required:

on the website of JSC "JSSB Belarusbank" fill out an application for receiving the service;
pay for this service through "Internet banking", using the payment card specified in the application.

If you connect through the website, then after registering the application, the Belpochta employee will deliver the personal identification data required for use in Internet banking to the client within 10 days.

What to do if Internet banking of Belarusbank is blocked?

After 3 times of incorrect login or password, the account is blocked. To resume work, you need to submit an application to the bank to unblock it in the system.

Brief instructions for use

After receiving the identification data, you need to enter your personal account on the Belarusbank website.

In the personal account, the client will be able to manage the bank account.

The interface of the office is designed to be intuitive, so users will not have any difficulties after visiting it.

The following functions are available in your personal account:

get acquainted with the information about the operations performed;
analysis of account balance and expenses;
various settings;
replenish and create deposits;
request reports on deposits;
coordination of work with credit cards;
payment of loans;
financial operations for money transfers to other accounts;
pay for utilities.

Personal settings

Personal account allows you to change your password and change data about yourself, etc.

In order to carry out these operations in Internet banking, the following steps are required:

go to the ibank.asb.by page;
enter a password, login and press "Enter";
dial a personal key from your code card.

Procedure for activating code card

You must enter the "Maps" menu. Provide your mobile phone number. Next, the client will receive an activation code. This code is also required to be entered in the menu, as well as the number, expiration date and code on the back of the card.

One-button payment

In the case of performing the same financial actions, it is very convenient to use the function "One-button payment".

To this end, the following must be done:

open a personal account;
enter "Payments" and click on "One-button payment";
determine the account number for making payments;
mark the list of paid services;
click on the "Continue" button.
Enter payment information in the form displayed;
approve the payment by clicking on "Pay".

Commission interest may be charged on financial transactions via Internet banking.

Internet banking – electronic system customer service of the bank, namely the holders of plastic cards. This system allows you to use a wide range of services and make a large number of different payments without visiting a bank branch and without using an ATM or payment terminal.

Payment for services via the Internet is convenient and popular for various reasons:

Remote access to bank card funds allows its holder to save time. Long queuing is one of the main reasons for the negative attitude towards visits to banking and post offices... In today's world, companies that demonstrate respect for their customers' time enjoy great success among consumers.
The availability of round-the-clock access to bank card transactions does not entail the need to build a work and personal schedule, taking into account the visit to the bank branch.
Not having to leave the house is an important argument in favor of remote access... For people who find it difficult to move, or who suffer from phobias associated with the need to be in public space, this service allows you to be independent and included in society.

Deadline for payment utilities does not depend on which payment procedure the client chooses. In any case, all payments must be made no later than the 25th day of the month following the reporting one.

How to pay utility bills via Internet banking in Belarus

Payment for utilities via Belarusbank Internet banking is quite simple:

1. You must enter the system by entering your username and password.

2. In the menu at the top of the page, select "payments and transfers"

3. In the pop-up menu, select "System" Settlement "(ERIP)" to enter the Unified Settlement Information Space

4. From the proposed geographical names, select the required

5. In the menu on the right from the proposed items, select "utility bills"

6. Select required view utility bills (gas, electricity, home phone, etc.)

7. Enter the necessary data depending on the type of payment selected (current account number, address, telephone number, full name of the citizen who entered into the contract, etc.)

8. Enter the payment amount (when paying for electricity or gas, meter readings are entered, and the amount is calculated automatically; when paying for some other services, you do not need to enter the amount, since it is already registered)

9. At the bottom of the page, click on the "Pay" button

In order to be able to use the described service, you need to register in the Belarusbank Internet banking system. Payment for utilities after that will take much less time and will be available 24 hours a day on almost any device with an Internet connection.

Internet banking- many banks provide their clients with the ability to manage accounts and cards through their personal account. The online store can issue an invoice for payment in the client's Internet banking, which will allow you to quickly and safely make a payment. To perform operations, a browser is used, that is, there is no need to install the client part of the system software. Internet banking is often available through the bank-client system, using thin client technology.

Internet banking:

Alfa Bank

Alfa Bank is an Internet banking system that allows Alfa-Bank customers to perform various transactions from payment mobile communications before exchanging currencies, manage your bank accounts and deposits and promptly track all payment transactions.
Russian Standard Bank

Internet Bank "Russian Standard Bank"- an Internet banking system that allows Russian Standard Bank customers to make various online payments, manage their bank accounts and cards, and control all payment transactions.
VTB 24

VTB24-Online Internet Bank Is a multifunctional tool, with the help of which VTB24 Bank clients can not only receive information about their products, but also carry out a wide range of operations: from loan repayment to utility bills.
PromSvyazBank

PSB Retail is an Internet banking system that allows Promsvyazbank's clients to remotely conduct banking operations on ruble and foreign currency accounts of legal entities and individuals, to receive information on the status of accounts, loans and deposits.
Sberbank Online

Sberbank Online is a system that allows Sberbank customers to manage their accounts, deposits and cards, make payments and transfers, pay for goods and services without leaving their homes.

Please note that the rates for accepting payments through electronic payment systems presented on this page are indicative. Your individual commission rate for accepting payments using e-wallets will be provided to you by your personal manager. To receive an individual offer and start accepting payments, you need to apply for a connection.

It will take you approximately 7 minutes to read this article.

The article informs about the popular direction of development of the banking customer service system.

Enjoy reading!

Internet banking is a complete and versatile electronic banking system developed by financial institutions for corporate and private clients. The popularization of cashless payments, the availability of the Internet and the rapid development of e-commerce have made online banking an integral part of modern financial market... This form of integrated virtual services opens access to an open account using an electronic device (computer, tablet and smartphone), after which a client of a financial institution can perform various operations related to payments, managing current accounts and collecting statistical information.

Customer service in Internet banking systems

Classic electronic banking (E-banking) was created to significantly simplify the process of interaction of a financial institution with multiple clients. High-end remote banking service has a positive effect on the speed of various transactions. In addition, each client gets the opportunity to order reports and collect analytical data on the movement of their own cash flows.

Basic online banking services:

Providing information on a variety of banking products (deposits, loans, plastic cards).
Internal transfers between the client's current accounts within commercial bank in which they are open.
Payment for purchases, various services and utilities, including automatic payments.
Interbank financial transactions - transfers to and from accounts opened with other banks.
Internal and external transfers involving currency conversion.
Conversion Money directly in an open bank account.
Blocking, applying for re-issue and unblocking of cards.
Limiting the limit on the use of funds stored in the client's current account.
Checking the balance and gaining access to information regarding the payment transactions performed.

Depending on the software and technical solutions used at the stage of platform development, online banking allows you to perform passive (checking the balance and account history) and active (ordering a transfer, opening a term deposit) operations. Thus, electronic banking is a key element of banking for performing non-cash payments, including at the international level.

The online banking user gets access to information regarding:

Opening, managing and closing current, card or credit accounts.
Current loan agreements and the status of the debt repayment schedule.
Deposits and accrual of interest payments.
New services and special offers for regular customers.

Through the Internet banking system, any client can order various services and documents at favorable prices, including electronic statements of current accounts. Informing takes place directly on the site by pop-up notifications or by SMS to the phone number specified by the client.

Benefits of Online Banking for Financial Institutions and Customers

Getting access to the Internet allows you to use online banking anywhere in the world. The client gets a unique opportunity to use all the necessary services of the bank at a convenient time for himself. It should be noted that large commercial banks also provide the opportunity to activate the Internet banking service in the personal mobile phone... To gain access to this system, you just need to download and install the official application on your smartphone.

Benefits of electronic banking for the client:

Banking service 24/7.
Reducing the cost of performing operations associated with various non-cash payments.
Elimination of indirect and direct unplanned maintenance costs.
Services that are attractive in terms of prices.
The ability to automate various payments through the use of templates.
Access to services from anywhere in the world without the need for a physical presence at the bank.
Control of the current account, including monitoring of cash flows, balance and non-cash transactions.
Lack of queues and prompt banking services.
Quick and easy access to statistical information.
Real-time consulting and assistance to the client.

To connect to the currently popular Internet banking service, it is enough to contact any branch or register on the official website of the bank. Accounts are automatically opened for holders bank cards, but for active use personal account you will have to confirm authorization.

Benefits for the bank:

The increase in income, which is mainly due to the reduction in fixed costs of paying salaries to a large staff of consultants, economists, cashiers and financial managers.
Thoughtful allocation of resources to attract more users.
Expansion of the available range of services and products.
Increasing the level of trust in the financial institution among clients.
Prompt e-banking to speed up the transaction process.
Access to cheap and convenient way regularly informing the client about new services, current commissions and interest rates, or advertising campaigns through the use Email, SMS and push notifications.
The ability to collect valuable information about customers and the operations they perform.
Individualization of offers, taking into account the requirements of clients for the provision of services.
Creation additional source to receive payments.

The transactions performed are carefully analyzed by representatives of a commercial bank in order to adapt future services to the needs of customers. Thoughtful query analysis target audience allows you to create and prepare special offers that meet the expectations and individual preferences of customers. In turn, electronic channels of access to the management of bank accounts and products are considered as an ideal source of information for customers, which will increase interest in the bank's services.

Online banking security

One of the main drawbacks of online banking is the problem with the ubiquitous protection of confidential data. Along with the development of official sites, financial institutions are also engaged in the creation and implementation of high-quality security systems that prevent the disclosure of classified data.

The main methods of ensuring the security of cashless payments through the online banking system:

Simple authentication using login (ID), password and PIN.
Multilevel authentication using a user certificate and temporary password.
Encryption of the data transmission process, implemented thanks to the SSL certificate.
Use of electronic signature.

To ensure complete security, the online banking system uses multilevel authentication mechanisms for the registered user, designed to generate a one-time password. After receiving the SMS, the client must enter a test set of numbers to carry out the planned operation. A similar principle for generating a one-time password is also available in mobile application... Usage complex systems protection of confidential data provides complete security in the implementation of all kinds of monetary transactions, freeing the client from the need to keep additional electronic equipment with him.

As a result of the systematic increase in the volume of transactions performed through the use of mobile and Internet banking, constant and thoughtful improvement of the security system is required. Reducing the risks associated with non-cash payments will significantly increase the level of confidence in the bank. Continuous work to speed up the payment processing and increase the security level of virtual acquiring systems makes the Internet banking system one of the main directions for the development of the modern banking services sector.