General Statement:
Personal internet banking system is a new type of high-tech banking
service product provided to consumer clients, which makes use of
modern computer technology and develops in accordance with the
current banking situation. Using internet technology, it makes the
expansion of the traditional banking services possible to wherever
the internet can reach, makes the clients enjoy bank’s financial
services at any time whether at home, in office or on the trip.
Traditional services include the website based banking, self-
service (including phone bank. cash dispenser and unmanned bank),
appointed commercial clients’ payment, personal financing and so
on. This system is consisted of user switch-in (such as IE
browser), security test systems (firewall, security transaction
agreement, CA and so on), Web server, application server
(transaction control server) and database server.
Functions:
Besides the correlative functions of regular and technical
editions, the main function of personal internet banking system
also includes personalized services.
Personal business transaction
Current account
Account information inquiry: account number, sub account number,
type, currency categories, balance amount, interest rates, status,
value date and soon.
Inquiry on the detailed statements of account: current accounting
inquiry, historical accounting inquiry, providing detailed
information of every transaction (date, trading volume, types,
balance amount and so on) and statistics of accounting (accumulated
outlay, accumulated deposit and so on).
Alteration on account information: altering pass code and personal
information.
Self-service transfer of accounts
Conduct deposit and current transfer of accounts, checkbook and
card transfer, securities transfer, exchange transaction and so on.
Report the loss
Handle loss business through internet banking.
Limit regulation
Inquire and set up expense quota, online payment quota and so on..
Payment assistance
Various fees are usually paid on term, clients can pay the fees
online, as well as make use of payment assistance to fix the
payment date and pay the fees of the system automatically.
Financial analysis
Provide assets structure, revenue, outlay, expenditure status and
so on.
Figure 2 personal internet banking frames
Personalized services functions
Personal internet banking not only provides clients the basic
transaction function, but also provides personalized counseling,
transaction services, user financing assistance, investment and
consumption catering to users’ individual requirement.
Users’ information database
Free e-mail system
Personalized module
Financing scheme
Users’ remind
News service
Financing plan
Clients’ service function
Clients’ complaints
Clients’ counseling
Clients’ statistics and inquiry system
Clients’ target marketing
Characteristics:
Make users’ operation simple and convenient
Realize the tracing and optimizing of services to users
Materialize the personalized service
Perfect safety system structures
Construct complete safety control systems, the safety measures
including fire wall, CA certification, users’ pass code check,
database safety, real time monitor and so on.
Advanced technique implementation means
In accordance with modern development requirement of computer
techniques, adopt the multi-level, separation of business logic
from data storage.
Act on J2EEsystem structure, combine the techniques of XML and WEB
SERVICE, and possess good performance, safety, security and
portability.
Good expansibility of business and system
The system adopts component and table form design idea, which
enables banks to design personalized internet banking system
according to particular needs.
Soft structures act on J2EE, transaction format adopt world-wide
XML message format, and interface development routine existed in
the connectors with good openness and expandability.
