Services :

Services - Internet & Mobile Banking

Internet & Mobile banking with no capital investment

Internet Banking Mobile Banking

Introduction

 Infrastructure setup available

Key Advantages

 Security concern

Technical Details

  

Internet Banking :

Datanet offers Internet & Mobile banking facilities to a bank's customers without the bank having to invest in any capital equipment & with an easy exit option.

We have set up the complete & secure infrastructure to enable the bank to offer these services. The bank is only required to upload the data to our server & the charges are very nominal monthly payments.

The key advantages are -

The services can be started very quickly. If the bank is not moving to core banking, it could be a great facility to your customers, which they cannot get with distributed banking.
The bank can exit from the scheme with just three month's notice The bank have no hassles of selection, setting up and management etc of the infrastructure.
If the bank is transiting to core banking, this can be used in the interim period to introduce the technology & facility to its customers. The commercial terms are very simple.

Technical Details -

The list of services provided are:

Customer Module Administrator & Super Administrator Module with capability to do: 
Customer ID based Login View MIS Report
View balance Link multiple accounts of the customer to single Customer ID
View last 2 months transactions of any account View/Modify customer profiles
Change PIN Put special messages to a specific customer or for all
Single Login for Multiple accounts in a branch or across all branches through Linking accounts  Register customer for SMS services
Cheque book request Send SMS alerts to Customer (GSM/CDMA enabled Mobile Phones)
Status of the previous service request  
Download transaction records as MS Excel format  
Download Registration forms  
SMS to know  :  Account balance; last three transactions &  cheque book request  
Status of previous service request  

Mobile Banking services are accessible from GSM/CDMA enabled phones :

SMS Pull services SMS Push services
This service will enable customer to access information online through your GSM/CDMA mobile phone by sending SMS Send alerts and notifications on customer's mobile phone

Details of infrastructure available :

Datanet has set up high performance, state of art facility to provide the services.

The facilities consist of :

  1. MNC Brand Multi Processor High End Servers, built with Load Balancing & redundancy.
  2. Hosting backbone: Secure Internet connectivity, Multiple E1 connections with fall back connectivity by optic fiber and satellite
  3. Secure WAP server and SMS server
  4. Inter City leased line 2 Mbps mesh connectivity with fall back
  5. Electronic security for physical access and other robust system level security controls for access
  6. Back up power by way of UPS, Generators etc.
  7. 99% availability assurance
  8. Back-ups: Off-Site & On-site Incremental back-ups on a daily basis, Full back-up on a weekly basis
  9. Manned by following specialized team on a 24 X 7 basis
    1.  Disaster Recovery
    2.  Database Administrative Services
    3.  Web Server Administrative Services
    4.  Software Installation Configuration
    5.  Remote Hands Services
  10.  Firewall Protection

Security concerns are addressed at multiple levels.

  1. The Central Server connected to the Internet is protected by a strong black box Firewall mechanism. The web server and the data base servers are separate systems with strong access protection and therefore access to the web server does not result in access to the database for hacking.
  2.  Further, all the services are information only services. Hence balance or any other data is not altered by the customer by performing any of the service requests. It may be noted that in case of off-line service requests, the request and required data is registered by the customer but the service is performed later at the branch on the branch accounting system which is typically independent of the data uploading PC at the branch.
  3. Each customer is assigned a six digit PIN. Only upon entering his/her Customer ID and corresponding PIN can the customer access the data about his/her account. The PIN is stored encrypted in the central server. Further the PIN is locked if five consecutive wrong attempts are made.

The data has to be sent from branches in the format as a text file.

The different ways in which data can be sent to our server are:

  1. By e-mail from branch

  2. By e-mail from a regional or zonal office after consolidating/routing data received from branches

  3. By using FTP from branch over internet

  4. By using FTP from a regional or zonal office after consolidating/routing data received from branches over internet

Once you sign up with us & your data upload mechanisms are in place, the service can be announced in less than 10 days.

Datanet will sign a Service level Agreement with the bank including clauses for confidentiality & safety of data uploaded.