Internet-banking: Functions

The Internet-banking service is available upon installation of the specialized Client Terminal software into your PC, which enables you:

• To receive any information related to the account balance 24 hours a day;
• To receive account cash flows statements for any periods;
• To transact local and international money transfers including foreign exchange operations;
• To settle payments;
• To free-format messages to the bank;
• To review the payment orders archive and receive information related to any payment status.

The Client Terminal application enables to import the payment orders from any client accounting applications, process and print them, execute, encrypt or transmit to the Bank. The import procedure of the payment orders is described in details in " Import Format Description".

In addition, the program enables to export the payment orders, statements and other documentations drafted with the Client Terminal to any client application for further processing.

The Internet-banking platform enables to:

• Draft payment orders by several users;
• Sign payment orders in a batch regime saving time spent to payment orders processing, which constitutes a convenient tool to clients working with multiple transactions.

Every Bank client, using the Internet-banking service, is assigned a PIN-envelop with individual login and password to obtain access to Client Terminal account management. The Bank and customers can conclude an agreement allowing several authorizes users to share one account management. Every co-user can be assigned individual working mode and limited rights to Client Terminal functions. Every co-user receives individual PIN-envelope with unique login and password.

To ensure the higher data protection level and secure the safe Client Terminal log in (User Authentication), AUB customers are offered to use personal certificates enabling to maintain secured information exchange between the Bank and customers.

Personal certificate constitutes a unique digital key, electronic passport, enabling securely identify the certificate owner. The certificate-made digital signature set under the payment orders allows verifying the identity of the message and identify the message author.

The document signed by the digital signature cannot be modified or forged.

AUB issues certificates which can be stored either on the PC running the Client Terminal application or on a separate Smart-card. The Smart-card certificates constitute the most secure way to protect your data. The Bank strongly recommends using these types of certificates.

You shall contact a Bank manager to install the software and receive software installation CD.
You can authorize your company’s IT manager to visit AUB, watch the Internet-banking demo version and clarify all the related issues.

You can independently download the Client Terminal Distribution files from the AUB official web-site (Internet-banking Software) section. We recommend you to carefully read through the “Client Terminal Installation Guide” before installing the software.