超级网银英文介绍

“超级网银”，是2009年央行最新研发的标准化跨银行网上金融服务产品。下面小编为大家整理的超级网银英文介绍，希望对大家有用!

超级网银英文介绍

Online banking (or Internet banking) allows customers to conduct financial transactions on a secure website operated by their retail or virtual bank, credit union or building society.

Online banking solutions have many features and capabilities in common, but traditionally also have some that are application specific.

The common features fall broadly into several categories

1. Transactional (e.g., performing a financial transaction such as an account to account transfer, paying a bill, wire transfer, apply for a loan, new account, etc.)

(1) Payments to third parties, including bill payments and telegraphic/wire transfers

(2) Funds transfers between a customer’s own transactional account and savings accounts

(3) Investment purchase or sale

(4) Loan applications and transactions, such as repayments of enrollments

2. Non-transactional (e.g., online statements, cheque links, co-browsing, chat)

(1) Viewing recent transactions

(2) Downloading bank statements, for example in PDF format

(3) Viewing images of paid cheques

3. Financial Institution Administration

4. Management of multiple users having varying levels of authority

5. Transaction approval process

Features commonly unique to Internet banking include:

(1) Personal financial management support, such as importing data into personal accounting software. Some online banking platforms support account aggregation to allow the customers to monitor all of their accounts in one place whether they are with their main bank or with other institutions.

Protection through single password authentication, as is the case in most secure Internet shopping sites, is not considered secure enough for personal online banking applications in some countries. Basically there exist two different security methods for online banking.

(2) The PIN/TAN system where the PIN represents a password, used for the login and TANs representing one-time passwords to authenticate transactions. TANs can be distributed in different ways, the most popular one is to send a list of TANs to the online banking user by postal letter. The most secure way of using TANs is to generate them by need using a security token. These token generated TANs depend on the time and a unique secret, stored in the security token (this is called two-factor authentication or 2FA). Usually online banking with PIN/TAN is done via a web browser using SSL secured connections, so that there is no additional encryption needed.

Another way to provide TANs to an online banking user is to send the TAN of the current bank transaction to the user’s (GSM) mobile phone via SMS. The SMS text usually quotes the transaction amount and details, the TAN is only valid for a short period of time. Especially in Germany and Austria, many banks have adopted this “SMS TAN” service as it is considered very secure.

(3) Signature based online banking where all transactions are signed and encrypted digitally. The Keys for the signature generation and encryption can be stored on smartcards or any memory medium, depending on the concrete implementation.