LIC Internet bank for individuals

The LIC company represents development – "Internet bank for individuals". This modern convenient solution for quick access of clients to services of bank at any time and in any situation: from the house, at office, on walk, on a travel.

The Internet bank is a possibility of constant control of a status of accounts and carrying out electronic payments on the Internet with the maximum speed and reliability.

With Internet bank from LIC company clients of bank purchase:

• Mobility - the Internet bank can use from the house or office, using the desktop computer or the notebook and also in any other place – on walk, in shop, on a travel – using iPhone, iPad or other mobile device.
• Ample opportunities of remote service - to Check the account status, to pay utilities, to recharge the mobile phone, to send money to parents is not a complete list of opportunities which are given by Internet bank.
• Saving of time - the Internet bank considerably will reduce costs of time for operations which were performed earlier, generally at office of bank.
• Simplicity and convenience - it is very simple to Work with Internet bank – interaction happens to bank in the normal web browser, installation of additional programs is not required. The interface of Internet bank is simple, intuitive and convenient.
• Security - Safety of Internet bank is ensured by multi-layer system of protection using both standard, and unique algorithms of protection that as much as possible raises degree of security of browsed information and the performed operations. In particular, interaction of the client with bank is password-protected not only the user, but also disposable key which is sent to the mobile phone of the client.

Main opportunities of the client

• Accounts - The complete information about a status of the accounts is available to clients: details, the account balances, account statements with detailed information on the registered transfers and payments for any time frame.

• Cards - Clients can browse all information on the cards: an available limit and the blocked means, validity period of maps, the card statement for any period, etc. For credit cards the user can see the amount the main and arrears (if is) and the amount of minimum payment for partial debt repayment. The Internet bank will remind the client that card expiration date comes to an end, and will suggest to fill out the request for recard issue. Besides, in Internet bank the user can independently block the card if necessary.
• Deposits - In Internet bank users can see the complete information on the deposits: amount and deposit term, deposit interest rate, possibility of replenishment of a deposit, statement of perfect deposit transactions (removal, replenishment, charge of percent, etc.), etc.
• The credits - the Internet bank gives ample opportunities of control of the credits of the user. Clients can browse the main information on the credits: type and loan term, size of an annual interest rate, remaining balance of debt on the credit, date and amount of the next planned payment, payment schedule, etc. The Internet bank always reminds the user of the term of the following payment.
• Transfers - Users of Internet bank can transfer money between the accounts or transfer them to the cards and also make transfers to advantage of other clients of bank and for benefit of clients of third-party banks. Besides, using Internet bank it is possible to list taxes and to register budget payments.
• Payments - the Internet bank allows to perform different types of payments: payment of a mobile and fixed communication, payment of long-distance and trunk calls, utility payments, replenishment of e-wallets, etc. The user can save regular payments in the form of a template further to reduce time for input of details of payments and also to appoint the schedule for automatic execution of required payments.
• Informing - Users of Internet bank receive notifications on all changes on the accounts and cards and also about the statuses of carrying out payments and transfers. Notifications arrive by e-mail and in the form of the SMS on the mobile phone.

At the beginning of 2013 the LIC company announced expansion of functionality of the system "Internet Bank for Individuals". Now users of a system will be able to configure the option "automatic payment" and also to pay tax receipts and penalties of traffic police using Internet bank.

"The Internet bank for individuals" is the multifunction scalable solution from LIC company providing convenient Internet services for individuals with high degree of reliability. The solution was developed taking into account requirements of credit and financial institutions and almost completely implements in itself all necessary user functionality: status monitoring of accounts, the credits, deposits, cards, accomplishment of wire transfers and payment of services on the Internet. Works on improvement of a system are conducted by specialists of LIC constantly.

The LIC Internet bank allows users of a system to make payment of a mobile and fixed communication, long-distance and trunk calls, utilities. Now in functionality of a system the feature for carrying out such demanded payments as payment of taxes and payment of penalties of traffic police was added.

From "new products" it is also possible to select the option "Automatic Payment". "Автоплатеж" is an automatic execution of periodic transfers or payment for the schedule defined, set by the user of a system, for example: daily, weekly, monthly. This functionality of a system is very convenient as it allows to reduce considerably time for regular manual entry of these transfers or payment of services.