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Frequently asked questions and answers
What are the advantages of the Client Terminal software?
What are the communication channels to work with the Client Terminals?
What are the means to ensure the Client Terminal protection?
Can several users manage one account?
Do you use any external software and how to install it?
Why do we need personal certificates and what are the system requirements to work with them?
Can I put a signature under the package of payment orders developed with Client Terminal?
How can I get a personal certificate to work with the bank?
Is the GPRS connection applicable to work with the Bank?
What types of accounts can the client establish with the bank?
What are the means to distribute and update the software?
What are the technical requirements to the equipment and software to run the Client Terminal?
I have installed the Client Terminal. What are the next steps?
What shall we do if we utilize Firewall and anti-virus programs?
What are the advantages of the Client Terminal software?
- Ease of use: the application can be used to manage your bank accounts without a need to have a deep knowledge of banking.
- Efficiency: financial operations between a customer and the bank are carried out in real time. You can communicate with the staff of the bank via the integrated messaging system.
- Economy: banking services ordered via Bank++ Client Terminal often cost much less than the same services requested directly in our office.
- Convenience:
- opportunity for several users to work with the same bank account as well as for a single user working with several bank accounts;
- automatic processing of payment orders;
- importing/exporting payment order messages;
- using popular banking directories: MFOKG, MFORU, SWIFT, ABA ; choosing payment currencies and storing your partners' bank details;
- opportunity to perform exclusive requests for changing payment value date, canceling payment, and correcting payment details;
- connection with the bank server is necessary only for a period of transferring data; this is convenient for customers with a slow internet connection;
- connection speed faintly affects software performance.
- Privacy: information security is provided by encrypting transferred data, using SSL protocol (international encryption standard), digital certificates and digital signatures for authenticating client and server identities. Digitally signed electronic documents are considered to have legal effect same as signed and stamped paper documents.
- Supervision and monitoring : you can monitor all stages of processing your payment orders and transactions from your computer. All stages of financial operations are confirmed by corresponding paper documents like account statements, withdrawal confirmations, debit and credit advices. Keeping a full customer's history of all payment orders and other requests in the form of digitally signed data envelopes.
What are the communication channels to work with the Client Terminal?
Client Terminal requires short-term Internet-connection to send/receive payment packages.
What are the means to ensure the Client Terminal protections?
The Client Terminal protection is ensured by a complex of measures including:
- User access management;
- User rights restrictions;
- Encryption of transferable information;
- User actions records;
- Digital signature of payment orders;
- User authentication is carried out by:
- Login and password;
- Personal certificate.
AUB clients receive their unique login and password in PIN-envelops accompanied by other Bank documentations. Clients assign unique personal certificates upon their request.
Certificate authentication ensures high-level security protection. Personal certificates can be stored on client PC or smart-cards. The information flows are encrypted by the session keys which are automatically updated at each server connection. All client actions are chronologically recorded in a read-only registry to avoid any protocol fraud. The bank accepts those payment orders signed by client digital signature.
Can several users manage one account?
Client Terminal enables several users to manage one account simultaneously which makes the service convenient to corporate clients. The bank server may register several users managing one customer account. Every user is assigned different rights. Every registered user may receive individual personal certificate. Only those clients who receive personal digital certificates issued by the Bank certification center are assigned unique digital signature to affix under payment documents. Unauthorized user are allowed to prepare any documents in Client Terminal, however only authorized users can sign payment orders and send them to the bank.
Do you use any external software and how to install it?
Client Terminal utilizes Microsoft and Seagate program components which are widely accessible and downloadable during the Client Terminal installation.
Why do we need personal certificates and what are the system requirements to work with them?
Digital signature legislation, which has been adopted in many countries, makes the digital documents as legally equal as papers. Many countries have adopted the X.509 digital certificates as standard electronic passports.
Client Terminal software utilizes certificates to authenticate users, sign payment orders and encrypt transferable information. It is worth noting that digital signature can be put under the documents upon receiving persona certificate. The certificates can be stored in the client PC registry and smart-cards which constituted the most secure protection as it helps avoid certificate falsification. The smart-cards components are integrated in standard configuration of the Windows 2000 and Windows XP operation systems. These components are widely distributed for the earlier operational systems versions. In addition you may need to install smart-card reader.
Can I put a signature under the package of payment orders developed with Client Terminal?
Yes, you can if you need to confirm the payment orders developed with Client Terminal. You can affix the digital signature under each payment orders or entire package. The entire package of the payment orders is encrypted with the bank certificate and signed by the client personal certificate to pack the payment orders in so-called Digital Envelop.
How can I get a personal certificate to work with the bank?
You can fill out the personal certificate application at the AUB official web-site www.aub.kg/Internet-banking/Receive_certificate.
Is the GPRS connection applicable to work with the Bank?
Tests conducted by several network operators discovered that Client Terminal may function via the GPRS Internet connection.
What types of accounts can the client establish with the bank?
The Service Agreement signed with the Bank enabled the client to establish settlement accounts, Call Deposit accounts, Time Deposit accounts, Loan accounts or Plastic Card accounts. The bank accounts can be established in various currencies upon client request.
What are the means to distribute and update the software?
The initial software installation shall be arranged via means of CD constituting a part of the Bank documentations. Alongside, the actual version of Client Terminal is always available at the AUB official web-site www.aub.kg/Internet-banking/Software. The Client Terminal is updated automatically at every connection to the bank server.
What are the technical requirements to the equipment and software to run the Client Terminal?
To ensure correct functioning of the Client Terminal your computer should fulfill the following requirements:
Hardware Requirements- CPU: Pentium II 300 Mhz.
- RAM size: 64 Mb.
- Free space available on a hard disk: 1 Gb.
- Network adapter / Modem: any.
- Internet connection of at least 14,4 Kbps.
- One of the following operating systems installed: Windows 2000 (Service Pack 4.0 or later); Windows XP. (It is highly recommended to apply latest available updates to your operating system.)
- Internet Explorer 5.0 or later with 128-bit encryption support.
- Windows Installer 2.0 or later (can be installed from Bank++ Client Terminal distribution).
- Internet connection of any kind (modem, LAN, ISDN, etc.).
- Opportunity to reach the server of the bank, using SSL (HTTPS) protocol. IP address and port information is available during the process of setting up a bank server connection (after installing Client Terminal).
Attention! You have to have administrator privileges to be able to successfully install Bank++ Client Terminal on your computer.
Required User Privileges- When performing an initial installation, a user has to have privileges equivalent to those of the local group Power Users listed below:
- Writing and modifying files in the %WINDIR% directory.
- Writing and modifying files in the %PROGRAMFILES% directory.
- Registering COM components.
- Writing to system registry.
- Full access rights to directories containing Client Terminal data files, references, and databases.
- Installation of Client Terminal has to be performed by the user that is going to use the application; after installing the application, user privileges can be lowered to the privileges of the Users group.
- In order to perform updates, a user may have the same access level as for regular program use.
I have installed the Client Terminal. What are the next steps?
Client Terminal shall be set to work with your company accounts. The authentication information will be provided in the PIN-envelop. The detailed information related to the initial settings is provided in the User Guide. We strongly recommend all users to utilize personal certificate to ensure the higher level security protection. We draw your attention to the fact that payment orders can be signed by digital signatures only upon receiving personal certificates issued by the bank. Every AUB client registered at the www.aub.kg/Internet/banking/Receive_certificate may receive a unique personal certificate.
What shall we do if we utilize Firewall and anti-virus programs?
Any client information security programs such as Firewall and Anti-virus programs shall be set to ensure correct information exchange between clients and Bank.
Upon completion of the Client Terminal installation you shall determine the correct settings to ensure the Client Terminal connection to the bank server. The system menu “Settings” indicates IP addresses and ports enabling the connection to the Bank server, you shall tick them out as permitted in the Firewall settings. If your Anti-virus software does not allow incoming/outgoing traffic, you shall make necessary changes to its setting to enable the information exchange with the Bank server.
In addition, your PC shall allow establishing temporary files as some anti-virus programs prohibit unknown programs installation in HDD.
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