"Client-Bank" - what kind of system is it?

Work with this system takes place without a break from the chair or sofa. That's what they say about a fairly common online service called "Client-Bank." it a unique product of a financial organization. It allows you to perform various actions with the customer's accounts, but with minimal effort. What is this system? How does it work and how difficult is it to install?

General information about the system

"Client-Bank" is a special service for regular banking clients. It is a specialized software complex that provides access to various transactions on accounts.

Within the system, customers can exchangedocuments and information with their partners, as well as representatives of the financial institution. And you can do all this remotely. And the process of exchange is performed by means of a computer or a mobile phone connected to the Network.

A small historical reference

The "Client-Bank" system is far from newservice. According to preliminary data, it is her financial institutions that have been operating for 6-7 years. According to the representatives of banks, the system was created to facilitate and simplify the work of clients with their accounts. Moreover, with its help, bankers get not only the location of their current customers, but also completely new users.

Where do banks take this program?

Most financial institutions wishing toadd to their existing services the services of "Client-Bank", try to make an order directly from the developer. In this case, they do not need to reinvent the wheel. It is only necessary to connect "Client-Bank" (this is not difficult at all) and adapt it to a specific credit institution.

Other banks are trying to make an exclusiveproduct in the home. In this case, they themselves create the system at their discretion. However, as such, there are no general rules for the manufacture of such software. The general approach of the representatives of the bank is not provided for when the service is connected. For example, in some financial institutions, money is not taken for access to the service. In others, such services are chargeable. Still others offer customers monthly paid service, etc. In a word, each organization has its own "Bank-Client". Logging in and connecting to the system most often involves using one-time and persistent passwords.

What types of service exist?

"Client-Bank" can be conditionally divided into two types:

• "Thick Client".
• Thin Client.

In the first case, we mean the classicalversion of the program, which assumes the installation of a separate service on the user's workstation. What does it mean? In other words, the program is installed on a computer or mobile device. All necessary data, including a variety of bank statements and documents, are also stored on the PC and in the Client-Bank service. entrance The system is executed by means of a portable device connected to the Network.

"Thick Client" suggests different optionsconnection with the bank. The simplest among them is the option with the use of telephone lines, modem or Internet connection. This type of system does not require constant access to remote banking technology (abbreviated to RBS). The thing is that initially such a program can be installed on its own database management system. This approach helps to back up the relevant databases and provides users with a network version of the service. And all this happens at a high speed of processing documentation, which is very convenient for accountants and large entrepreneurs.

In the case of the "thin client", the logonis performed via an Internet browser. In this case, the program itself is installed on the virtual service of the credit institution, and all the data about the user are stored on the bank's website (in the section of the "Personal Cabinet"). In fact, this is the same Internet banking for PC or mobile banking for phones and smartphones. However, everything in the complex is called "Bank-Client". Credit, sending of transfers, payment of bills and other financial functions become available after the connection of this program.

Bank Otkritie: Client-Bank

Here is an example of a system connection. As a sample, we select the bank "Discovery". To work with the financial institution's program, you need to follow four simple steps:

• Install and run the special driver "Rutoken".
• Configure the Internet Explorer.
• Install and connect special components ActaveX.
• To invent or implement a ready electronic signature.

All settings can be found on the official website of the bank ic.openbank.ru. After completing all the above steps, you can register and log in to the system.

What is the purpose of "Client-Bank"?

The main function of the system «Client-Bank "(for legal entities this is a realfind) - the provision of the ability to perform payments to the enterprise without personal visits to the financial institution. Moreover, this service provides an opportunity to track the movements on the company's current accounts. As a rule, such duties are placed on the shoulders of accountants. With the help of this service they, for example, can find out about the transfer of funds from the clients of the enterprise. After the payment is made, the organization has the right to ship the goods.

In addition, within the system, managerscompanies or their authorized people can receive ready-made bank statements, learn the current exchange rate, keep records of existing counterparties. And also with the help of "Client-Bank" it is always possible to keep abreast of the latest news of the financial institution, including the appearance of new products, a reduction in interest on loans, an increase in deposit rates and various promotions.

What are the benefits of the program?

Among the main advantages of the software of banks are the following:

• Easy to connect.
• Simplicity of management (additional training and skills of work is not required).
• Ease of use (without having to visit a bank branch).
• Control of all movements on the accounts remotely.
• The ability to create ready-made templates for making payments.
• Getting the latest news about banking products.
• Providing information about current exchange rates (indispensable for exchange transactions).
• Ease of use of electronic documents.

And of course, the system is famous for its efficiency. When using it, bank customers, including legal entities, admire the high speed of making payments. Moreover, all data is stored in a single electronic registry and do not require documentary confirmation. Since most documents have an electronic signature of the head of the organization, this equates them to real forms and eliminates the need for printing or scanning.

Finally, the system works around the clock. This allows customers of the organization to control their accounts throughout the day. Moreover, the system is well protected. It controls actions using one-time passwords, as well as additional electronic keys.

Negative moments of working with the program

Sometimes in the system can occur andunpleasant situations. In particular, most of them are related to the uncoordinated actions of the managers of the enterprise and the bank. The problem is especially acute when the system is acquired and installed independently. In this case, a completely different program part may operate in the bank itself. As a result, they are not compatible, and the workflow is interrupted.