InterBank RS

One of the priority areas of the company's activities is solutions for remote access to various resources and products of the bank. In particular, the InterBank complex, which successfully operates in the remote banking market, is designed to remotely provide banking service using electronic means of communication: telephone, e-mail and the Internet. This is a reliable and fully functional software package that includes tightly integrated applications that automate all types of remote banking services:

• Traditional client-bank system (Windows Client)
• mobile system of "Internet - bank" class ("Internet - Client for legal entities");
• system for servicing individuals via the Internet ("Internet - Customer for individuals");
• Telephone Voice Customer Service (RS-Audio)
• module for automating the process of issuing loans at remote points of sale of bank products (Express-Lending);
• system of control over the execution of the budget, for large clients of the bank - holdings and corporations.

General scheme of InterBank complex

R-Style Softlab's flagship product - the InterBank platform, on the basis of which high-class and well-proven front-office business solutions (credit, deposit and operational front-office) and remote banking services for individuals and legal entities are being built, is worth a reward for the Sberbank unprecedented OnL @ yn project. Its goal is to provide Internet banking service to all territorial banks of the Savings Bank of the Russian Federation. During the work on the project, R-Style Softlab confirmed the powerful integration and colossal loading capabilities of its product and demonstrated the high scalability of the solution under the parameters required by the bank. The system interface can be rebuilt in accordance with the customer's requirements for ergonomics (usability) and design, including the use of the most advanced technologies (skins, widgets). The use of modern industrial database servers and applications allows today to serve more than 5 million customers in a single information space, while the potential of the solution allows providing high-quality service to more than 150 million customers.

2023: Scale-up capability

On February 8, 2023, R-Style Softlab announced that it had improved the InterBank RS remote banking platform by implementing the ability to scale DBMS horizontally by charring client data. This ensures high fault tolerance of the system and maintains high speed of operations.

Due to the growth of the business and the expansion of the client bases credit institution, they may face a situation where the capacity of the existing servers DBMS is not enough to provide high-quality and operational client service. Failures begin, the service speed drops. The way out is scaling (vertical - increasing capacity, servers or horizontal - starting several instances databases at the same time).

Classic relational databases, such as Oracle and PostgreSQL, are poorly scalable, especially in terms of data modification transaction processing. Now the InterBank RS platform allows you to divide the storage of data about client profiles and operations performed between different independent DBMS installations. Moreover, DBMS can be from various vendors. For example, some of the data is stored in Oracle, and the other in PostgreSQL. Thus, two or more equivalent blocks are obtained that work in parallel and do not affect each other, but at the same time look like one whole. The most important thing is to organize the routing of requests from users and from external applications in such a way that all processing logic and the internal structure of the RBS system are hidden from them.

What it gives:

• System fault tolerance is increased (clients are distributed between "blocks," and load on the system is distributed between blocks; If one unit is unavailable, clients will be temporarily placed on service in the other unit. it is possible to add a backup unit to the system).
• It becomes possible to display new functionality and check it first on one block, and then distribute it to others.
• It is possible to gradually switch from one type of DBMS to another by using the mechanism for migrating users from block to block.

Thus, at the InterBank RS platform level, there is now a solution for horizontal database scaling, which can be enabled if necessary.

2022: Abandonment of Oracle DBMS in favor of Apache Cassandra in RBS systems

The company R-Style Softlab announced a move to use an open platform Apache Cassandra as a relational replacement DBMS Oracle for high-load components. remote banking systems The prerequisite for such a solution was the successful implementation with its help of a difficult task for one of them, Russian banks TAdviser representatives of R-Style Softlab said on July 26, 2022. More. here

2019: Integration with Secure Bank

On October 22, 2019, R-Style Softlab announced that it had signed a technology partnership agreement with the international company Group-IB. The integration of vendor technologies made it possible to create a joint solution that allows banks to deploy a secure remote service channel with an integrated function of behavioral analysis of user actions. This step on the part of the developers was a response to the permanent growth of financial fraud: with the help of the R-Style Softlab and Group-IB solution, banks will be able not only to quickly create a RBS channel and increase the level of cybersecurity of users, but also fulfill the requirements of the regulator.

In 2019, there was a peak of financial fraud using social engineering to steal funds from the accounts of individuals and legal entities. In fact, every month Group-IB cybersecurity specialists are faced with new or modifications to previous fraud schemes. At the same time, the greatest danger is fraud with the substitution of a SIM card and the installation of a remote access program on a phone or laptop under the pretext of increasing security measures to solve a "technical" problem.

The joint solution is based on the R-Style Softlab InterBank RS platform, on the basis of which banks create their own RBS systems, and the Group-IB Secure Bank product, which uses smart behavioral analysis technologies to detect and prevent financial fraud in RBS channels.

This is a timely and logical step - to integrate behavioral analysis technologies into the platform for creating a RBS channel. To counter fraud, it is not enough to simply analyze the transaction, relying solely on the atypical nature of the payment. Secure Bank collects metadata and tracks everything that the user does: how he prints, what key combinations he uses, in which hand he holds the phone, how he drives the mouse, with what force he presses the touchscreen. This creates a client profile, his application habits, which will always be compared with any session from his device. In case of a mismatch, the bank has the ability to promptly block the transaction, comments Pavel Krylov, Head of Product Development at Group-IB Secure Bank/Secure Portal

The integrated solution of R-Style Softlab and Group-IB Secure Bank enables banks planning to create a mobile application or Internet banking using the InterBank RS platform to protect their customers from the most dangerous types of cyber threats. Without installing additional software on customer devices, Secure Bank detects in real time the preparation of an attack and theft of funds, detecting unauthorized remote connections, penetration into the Internet bank through 0-day vulnerabilities, infection with banking Trojans, as well as phishing, social engineering techniques and web injections. comments Dmitry Mikheev, Director of R-Style Softlab Sales Department

Using behavioral analytics, Secure Bank creates a "digital portrait" of a user based on metadata, about the speed of his actions in the application, their sequence, navigation pattern, clicking on the touchscreen, etc. Thus, banks will be able to increase the efficiency of existing anti-fraud systems by passing on to them a verdict on the degree of security of the end device of the user, the data used by him and the environment of work.

The deployment of a secure RBS channel based on R-Style Softlab and Group-IB Secure Bank systems enables banks to ensure compliance with a number of regulator requirements. Thus, the joint use of these products makes it possible to fulfill paragraphs 2 and 3 of the "Signs of the transfer of funds without the consent of the client," approved by Bank of Russia Order No. OD-2525 of September 27, 2018. (in order not to fall under the penalty measures of the Central Bank, starting from April 2019), as well as bring the RBS systems in line with the Methodological Recommendations of the Central Bank of the Russian Federation No. 18-MP dated 12.07.2017 (paragraph 3) to identify dubious operations.

In addition, the integration of these technologies ensures the "automatic" fulfillment of the requirements of the "root" standard - STO BR IBBS-1.3-2016 "Ensuring information security of organizations of the banking system of the Russian Federation. Collection and analysis of technical data in response to information security incidents during money transfers "(item 6.3.1)

2018

Integration with CryptoPro CT 2.0 based on web services

On October 10, 2018, R-Style Softlab announced that it had implemented an integration module with the software and hardware complex "CryptoPro CA 2.0 Certification Center" from CryptoPro based on web services as part of the RBS system for working with InterBank Corporate clients. According to the company, when using this module, security certificate management processes (release, revocation, etc.) are carried out automatically.

Earlier file , an exchange was used to interact InterBank Corporate with PAC CryptoPro UC of previous versions, so this process was quite time-consuming, lengthy and not always reliable. Using web services, certificate issuance procedures have become much faster and easier. Vyacheslav Alekseev, Director of Electronic Banking Systems at R-Style Softlab

PAC CryptoPro CT version 2.0 differs significantly from the previous version. We are pleased that R-Style Softlab is ready to develop its projects taking into account the updated functionality of our products. The implemented integration module makes the InterBank Corporate system an even more reliable and convenient tool for banks. Igor Kurepkin, Deputy General Director of CryptoPro

In addition to optimizing the processes for issuing certificates, solution users will also be able to perform detailed diagnostics in case of problems. This functionality is made as a separate application and is included in the standard delivery of the InterBank Corporate system.

VPN-Key-TLS Integration

On September 24, 2018, R-Style Softlab announced the implementation in the Internet client for legal entities of InterBank Corporate of support for the USB crypto device VPN-Key-TLS, developed by AMICON and InfoCrypt Firm. This token provides secure remote access to the resources of the RBS system through an open data network, and also allows you to perform cryptographic functions at the hardware level inside the device.

author '= Vyacheslav Alekseev, Director of the Department of Electronic Banking Services R-Style Softlab ' Our company traditionally monitors data protection products and integrates them into its IT products to automate remote banking. This solution was attracted by the ease of use for the user - only a web browser is needed for normal operation. Installation of any plugins is not required, which helps to improve the ease of use of the RBS system by bank customers.

Adaptation to Updated Currency Control Legal Requirements

R-Style Softlab brought the system of remote banking services for legal entities of InterBank Corporate into compliance with the changed legislation on currency control. According to the company's statement of September 12, 2018, the accounting and reporting forms for foreign exchange transactions, as well as requirements for supporting documents and information provided by residents and non-residents to the authorized bank during foreign exchange transactions, were adjusted.

The updated legislative requirements for foreign exchange control were introduced by Bank of Russia Instruction No. 16.08.2017 of 181-I (as amended 29.11.2017) and are aimed at reducing the burden on residents when they perform foreign exchange transactions. In particular, they establish a simplified procedure for registering contracts for exporting residents, facilitate the simplification of the mechanism of interaction between residents and banks, increase the efficiency of the work of exporting residents, redistribute the load in terms of currency control from residents to authorized banks, explained in R-Style Softlab.

After the transformations carried out in the RBS system of InterBank Corporate, the document flow between the bank and the client in terms of currency control is carried out in strict accordance with legal norms.

2017

Integration with Crypto-Pro products

In early December 2017, R-Style Softlab announced the completion of the integration of its InterBank RS and InterBank Start remote banking systems with the latest versions of Crypto-PRO products, a developer of cryptographic information protection and electronic signature tools. This revision will allow using the updated electronic signature standard in the RBS systems in accordance with GOST R 34.10-2012, which is mandatory for use on January 1, 2019.

Simultaneously with the introduction of the updated electronic signature standard, work was carried out on the integration of InterBank Start and InterBank RS products with the current version of the CryptoPro PC software and hardware complex version 2.0.

PAC CryptoPro UC is a specialized software and hardware complex that has successfully passed certification tests and received a certificate of conformity. FSB Russia Version 2.0 has incorporated all the long experience in operating the means of certification centers and is the optimal means of automating the activities of certification centers, - said the Deputy General Director of CryptoPro. Igor Kurepkin

During the project, the systems implemented a modern plugin designed to create and verify an electronic signature (EP) on web pages using CIPT CryptoPro CSP. The plugin is adapted to work in the most common web browsers.

First of all, the update affected InterBank Start, since users of this product overwhelmingly prefer CryptoPro CIPI, and then a similar opportunity appeared in InterBank RS, "said Vyacheslav Alekseev, director of the R-Style Softlab electronic banking systems department.

Integration of Card2card into InterBank Retail

Russian developer and integrator of banking software R-Style Softlab and service provider for the provision and provision of services in the field of electronic and mobile commerce Intervale signed a cooperation agreement on October 13, 2017. The parties agreed to integrate the instant transfer module from card to card Card2card from Intervale into the InterBank Retail remote banking system for individuals.

As noted, a financial institution introducing an Internet bank with a Card2card module will be able to provide customers with the ability to transfer funds between cards of any Russian banks from the personal account page. The user will also have the option of "linking" (storing data) cards of third-party banks to their personal account, the ability to assign names to them, as well as a number of additional amenities, such as viewing payment history, sending comments to the recipient and much more.

In addition to expanding functionality, the integration of Card2card into InterBank will also simplify the implementation of RBS services for credit institutions.

As of October 13, 2017, companies have already begun work on system integration. In addition, one of the banks - clients of R-Style Softlab became interested in this functionality and confirmed its readiness to implement an updated solution. According to IT partners, the project in the credit institution will end in a month. The companies also plan to develop relations in other areas, in particular, the introduction of the Card2cash module in InterBank Retail - transfers from cards to postal and payment systems.

Integration with "1S-SIM"

On October 5, 2017, R-Style Softlab announced the signing of a cooperation agreement with its subsidiary 1C - 1C-SP. The parties agreed to integrate the mobile authentication platform and the electronic signature "1S-SIM" with the InterBank RS remote banking platform.

According to R-Style Softlab, after the implementation of the integration project, InterBank RS will become the first RBS system in Russia compatible with 1C-SIM. Connecting banks to the system will give them the opportunity to provide customers from the small and medium-sized business segment with a safer way of authentication, increase the limits of financial transactions, as well as expand the list of services that do not require a client's visit to the bank branch.

"1S-SIM" is a personal electronic signature tool (EA) implemented on a SIM card with a pre-installed EA applet. When using "1S-SIM" for authentication, the universal login of the client is the phone number, and the access password is the personal electronic signature key safely stored on the SIM card. Mobile authentication will prevent third parties from accessing web resources or applications using client credentials.

The presence in the "1S-SIM" of an electronic signature of a legal entity will increase the level of security of operations carried out through an Internet and mobile bank.

As you know, users of the SMB segment often use mobile devices in their work, and some work only on them. That is why the electronic signature on the SIM card has long been the subject of discussion to resolve user authentication issues. Our company will become a pioneer in this area, - said Vyacheslav Alekseev, Director of the Department of Electronic Banking Systems R-Style Softlab.

When designing and developing the mobile authentication and electronic signature platform "1S-SIM," we took into account the shortcomings and inconveniences of the authentication and electronic signature mechanisms used today and focused on active and mobile users, "said Aleksei Alexandrov, technical director of 1C-SP. - Using the "1S-SIM" platform for authentication is significantly safer than SMS with one-time passwords, and visualizing the signed data on the user's mobile device screen will eliminate phishing and data spoofing attacks.

Adapting to working with PostgreSQL DBMS

On May 10, 2017, the company R-Style Softlab announced the adaptation of InterBank RS and the systems InterBank Corporate (RBS legal entities), InterBank Retail (RBS of individuals) and InterBank FrontOffice (automation of the bank's front-office activities) created on its platform to operate under management. DBMS PostgreSQL

The goal of adaptation is to provide the company's customer banks with the opportunity to reduce the cost of purchasing and owning vendor IT solutions by using a free alternative to commercial database management systems - Oracle Database and Tibero 6 of the Korean company TmaxSoft. Taking into account the fact that solutions on the InterBank RS platform are adapted to work on the free JBoss WildFly application server, R-Style Softlab customers can only purchase the products themselves without buying licenses for using the DBMS and application server.

A feature of PostgreSQL is open source. This allows financial institutions, if necessary, to independently perform functional refinements of the system according to their needs.

Due to the fact that each DBMS has its own specific extensions of the SQL language, as part of the adaptation of DBT systems for working with PostgreSQL, R-Style Softlab specialists modified the source code to ensure correct operation under the control of all supported DBMS. A package of scripts is also formed, through which data structures for PostgreSQL DBMS are created. Procedures have been developed for migrating data to PostgreSQL from other systems and the information transfer process has been tested.

In the near future, we plan to adapt the InterBank RS platform for work under the management of Postgres Pro - a domestic DBMS created on the basis of PostgreSQL and included in the register of Russian software, which is important for state-owned banks. The expansion of the line of supported modern database management systems will allow R-Style Softlab to strengthen its presence in the RBS market. Vyacheslav Alekseev, Director of Electronic Banking Systems at R-Style Softlab

Register of Russian Software

R-Style Softlab, a leading developer and integrator of banking software, announced in May 2017 the inclusion of its own software complex for building InterBank RS remote banking services (RBS) in the Register of Russian software under registration number 3468.

2016

RBS InterBank Start checks data with the register of housing and communal services providers

R-Style Softlab released in September 2016 an update to the InterBank Start RBS system. In the IT solution, the users of which are legal entities - corporate clients of banks, there are opportunities to pay for housing and communal services, issue online applications for cash before visiting the bank's office, as well as issue invoices to third parties - contractors of the organization - directly from the personal account of the system.

The solution implements automatic reconciliation of data with the register of suppliers of the housing and communal sector, available on the GIS housing and communal services portal. This protects the bank and its client from fraudulent schemes in the field of housing and communal services and increases the convenience of working with remote service. If the user fills out the details of the existing housing and communal services provider (account number, TIN, checkpoint), additional information (single personal account, personal account number, BIC, payment identifier and others) will be added automatically. If the supplier is not authorized in the register or its details are inaccurate, the system will report an error.

In addition to the main changes in the decision, the company finalized the procedure for filling in details in accordance with the requirements of the law - Orders of the Ministry of Finance of the Russian Federation dated 23.09.2015 N 148n and 30.10.2014 N 126n and expanded the list of formats for exporting documents and reports.

InterBank RS is compatible with TmaxSoft Tibero DBMS

R-Style Softlab checked the compatibility of the InterBank RS IT platform and the InterBank Corporate: RBS Legal Entities, InterBank Retail: Personal Property Management, InterBank FrontOffice: Automation of Front Office Activities of the Bank DBMS with the Korean company 6, TmaxSoft Tibero which operates on. OS Linux

The purpose of the test was to provide the company's customer banks with the opportunity to use an alternative to Oracle DBMS with a lower cost of ownership and not subject to the risks associated with the imposed sanctions of the United States and EU countries.

The results of the study showed that the InterBank RS platform works correctly under the control of the Tibero 6 DBMS. The process of migrating data from Oracle DBMS is carried out without difficulties. The Tibero 6 DBMS is as compatible as possible at the request level with Oracle DBMS, which allows InterBank RS application applications to operate normally without additional modifications.

Testing took place in three stages: system deployment - installation of the Tibero 6 DBMS and the InterBank RS application; Transfer data from Oracle DBMS to Tibero 6 DBMS using the migration utility Platform application health check.

Interbank RS and Bot-Trek Secure Bank platform compatibility

R-Style Softlab, a Russian developer and integrator of banking software, part of Asseco International Holding, and Group-IB, a company for the prevention and investigation of cybercrime and high-tech fraud, signed a technological partnership agreement in September 2016. Within its framework, the companies will ensure the compatibility of the platform for the development of DBOInterBank RS services and the Bot-Trek Secure Bank early threat detection system .

2015

R-Style Softlab has implemented in InterBank Corporate the exchange of documents in unified formats of electronic banking messages (Unified format of electronic banking messages)

R-Style Softlab has expanded the functionality of the InterBank Corporate solution for building RBS systems for legal entities, implementing the exchange of documents in unified formats of electronic banking messages (Unified format of electronic banking messages). This will provide clients of financial institutions using InterBank Corporate with information interaction with the Bank of Russia when making non-cash payments - from sending clarifications on transfers, details of payment orders to confirming interbank transactions.

R-Style Softlab implemented the possibility of generating and processing incoming messages (various types of electronic payment and service information documents) in accordance with the requirements of Unified format of electronic banking messages, linking them to payments, as well as generating response messages.

"The new functionality of InterBank Corporate, which allows you to upload messages to Unified format of electronic banking messages from source files and from ABS, meets modern standards for the exchange of commercial data in electronic form," said Zhurikhin Pavel, Director of the Department of Electronic Banking Systems R-Style Softlab. - We hope that it will facilitate information interaction of financial institutions with the Bank of Russia. Our company has already implemented it in several credit institutions, in particular, in Zapsibcombank. "

InterBank v. 5.20.30 integrated with Appendix 1C

On April 3, 2015, R-Style Softlab announced the renovation of the InterBank v.5.20.30 software complex for remote banking of legal entities.

The main changes are related to the integration of the solution with 1C and the implementation of PFM reports, new document forms within the framework of currency control, the ability to view a list of archived documents through the web interface of the system.

The company integrated the server part of InterBank v.5.2 with Appendix 1C.

Now RBS users have the opportunity to:

• send payments to the bank
• monitor changes in document statuses,
• Receive account statements from Appendix 1C.

There is no need for intermediate uploading of documents from 1C to a text file, which is then uploaded to the InterBank v.5.2 "Internet Client" or "Client" modules, Windows only then certified by an electronic signature and sent to the bank. All this helps save the client's time when exchanging documents with the bank. At the same time, the ability to exchange data remains.

The system implements a set of PFM reports that helps you conduct a business analysis of the financial condition:

• Schedule of balances for the specified period for each day;
• Sales report (total or debit/credit)
• Pie chart with distribution of payments to counterparties for the specified period;
• Report on the status of documents for the period (the amount of documents with a certain status for the selected period from the list of created or created and sent to the bank);
• Currency Rate Report.

Banks that have switched to a new assembly product can provide their customers with advanced opportunities for exchanging documents through the RBS system within the framework of currency control. Three more forms of documents appeared in InterBank v.5.2:

• application for registration of the transaction passport
• application for re-registration of the transaction passport
• application to close the transaction passport.

Through the web interface of the system, users can view previously sent documents moved to the archive by a bank employee.

"R-Style Softlab I implemented in InterBank v. 5.2 to build RBS systems banks in the SMB segment a unique technology for supporting a distribution solution for 1C direct exchange of documents with financial organizations, which will allow accountants of companies to significantly save time," said the Sergey Rastorguev project manager of the company's electronic banking systems department. "In R-Style Softlab the future, it is planned to develop this technology together with, 1C aimed at expanding interaction with the bank through new types of documents."

Enhanced InterBank v.5.2 functions for legal entities

On June 3, 2015, R-Style Softlab announced the expansion of the functionality of the InterBank v.5.2 software complex for remote banking of legal entities^[1].

The Company has completed improvements within the framework of compliance with the legislation in accordance with the Bank of Russia Guidelines dated 14.08.2014 No. 3361-U.

A mechanism has been launched that establishes a restriction on working in an Internet bank only from certain devices. To use this option, customers need to contact a bank employee with an appropriate application. If you try to log on from other devices whose IDs are not specified for the user account on the RBS server, the login will be blocked. As conceived by the developers, this will provide customers with a higher level of security when working in an Internet bank.

The development of technology for supporting the distribution solution has continued. 1C The updates affected the mechanisms of direct exchange of documents between the systems 1C and InterBank v.5.2:

• You have created payment request reception functions from Appendix 1C.
• a mechanism for authenticating clients using an electronic signature certificate is in effect
• The document compression option works.

The system now has the ability to export PFM reports that allow you to conduct business analysis of financial condition to more convenient formats for customers in PDF and PNG.

"R-Style Softlab pays increased attention not only to expanding the functionality of InterBank v.5.2 for SMB banks, but also to ensuring customer safety," said Sergey Rastorguev, Project Manager of the Electronic Banking Systems Department of R-Style Softlab. "We regularly update the Internet banking system, taking into account the latest legislative changes and technological developments, such as, for example, customer authentication using an electronic signature certificate."

InterBank release for SMB banks released

On August 13, 2015, R-Style Softlab introduced a version of the InterBank v.5.2 software complex for remote banking of legal entities^[2].

At the request of customers, the IT company implemented functionality for corporate financial management in the RBS system. It helps to establish communication between the head (managers) and subsidiary (subordinate) organizations served by banks. The user of the management company can set up account restrictions for subsidiaries, for example, for the maximum amount of one payment, the total amount of payments within a given period, or the account balance. A bank employee has the opportunity to set and adjust restrictions on the accounts of any company.

According to the developers, this version of the system is safer for customers of banks - legal entities.

R-Style Softlab specialists implemented the integration of InterBank v.5.2 with a device for visual control of signed data SafeTouch from the company. SafeTech The key fields of the document intended for approval using an electronic signature are displayed, after which the client decides whether to certify him or not. - SafeTouch USB smart card/- token reader, which excludes the possibility of distortion of the details of the signed electronic document.

Integration of InterBank v.5.2 with the SafeTouch device has supplemented the information protection tools implemented in the system:

• authentication of clients using an electronic signature certificate;
• working with different crypto providers;
• support for interaction with strict authentication devices: JaCarta GOST, eToken GOST;
• confirmation of operations with one-time passwords, both via SMS and generated on the eToken PASS keychain.

"In the new version of InterBank v. 5.2, we added new functionality for corporate financial management, increased the security of work in the RBS system, and also improved its usability," said Sergey Rastorguev, Project Manager of the R-Style Softlab Electronic Banking Systems Department. "Thanks to individual settings (changing the width of columns in lists, their order, the ability to quickly navigate to the most frequently used menu items, optimizing the speed of building lists of documents), clients will be able to perform operations faster and more conveniently."

Interbank RS compatibility with Rutoken EDS, Rutoken Web and Rutoken PINPad

Within the framework of technological cooperation with Aktiv, R-Style Softlab specialists supported the work of proprietary RBS solutions with Rutoken EDS, Rutoken Web and Rutoken PINPad devices. This provided customers with an increased level of security during operation in the system thanks to the mechanism of strict authentication when accessing the personal account, confirmation of payments and transactions using an electronic signature, visual control of payment documents before signing in an untrusted environment (when used with Rutoken PINPad), storage of keys from the personal account of the user.

The compatibility of companies' products will allow bank employees involved, for example, in issuing loans for individuals, to confirm the transaction with an electronic signature or representatives of small and medium-sized businesses to pay the bill, to conclude a legally significant agreement with a financial institution without wasting time visiting the office. Also, users will be able to sign documents when making factoring transactions.

Solutions of the company "Asset" have all the necessary certificates of FSTEC and FSB, indicated in the company.

Integration of InterBank RS with processing from NCC, UCS and Vneshekonobank

On October 27, 2015, R-Style Softlab announced the integration of the InterBank RS platform with processing centers - National Credit Cards (NCC), United Card Services (UCS) and Vnesheconombank^[3]

This will help banks in online interaction with processing centers. Previously, the IT company used similar functionality during an individual installation in each individual bank, after integration this opportunity is available as part of the distribution supply of solutions on the InterBank RS platform.

"Now financial organizations that will use RBS systems for individuals and legal entities from R-Style Softlab will be able to offer their clients a wide range of services for issuing and servicing bank cards of international payment systems at a high technological level and in accordance with information security standards," said Pavel Zhurikhin, Director of the Department of Electronic Banking Systems R-Style Softlab.

Adapting to Google Chrome

On November 10, 2015, R-Style Softlab announced the inclusion in the solution of "InterBank Corporate: RBS of legal entities" support for Native Messaging technology used in the 45 version of the Google Chrome browser R-Style ^[4].

According to the developers, the changes will help bank customers work with electronic digital signature (EDS) tools, in which this version of the browser has been adapted.

As of November 10, 20115, such funds: CIPF Rutoken EDS, Rutoken PINPad, Agave, Crypto-Pro CSP/TLS, Signal-Com CSP and others. The updates are also aimed at providing faster integration of web plugins into the R-Style Softlab solution (after their release) from other cryptographic hardware providers.

"Starting from version 45 browser Google Chrome , Native Messaging is used instead of NPAPI technology," said Pavel Zhurikhin the director of the department of electronic banking systems. - R-Style Softlab To adapt the system, we have developed an update package that includes a browser extension Google Chrome available to users for download in the Chrome WebStore. At the moment, our solution correctly supports EDS tools in all the most popular web browsers. "

Integration with Antifrod Terminal

On December 22, 2015, R-Style Softlab announced an increase in the security level of the InterBank Start software complex for remote banking of legal entities through the integration of the complex with the Antifrod Terminal from Aladdin R.D.^[5]

The use of this device when working in the RBS system provides corporate clients of banks with protection against substitution and imposition of forged documents on the server, from control interception, secure authentication with entering a PIN-code on the terminal, and not on a PC, convenience of performing group operations in protected mode, as well as the possibility of investigating incidents and resolving conflict situations.

author = Sergey Rastorguev, Project Manager, Electronic Banking Systems Department, R-Style Softlab Improving the level of security of operations is a priority area for the development of InterBank Start. Last time, updates included the integration of the RBS system for banks in the SMB segment with the SafeTouch device, now we have integrated it with the Antifrod Terminal from a proven technological partner - Aladdin R.D.

R-Style Softlab specialists have made changes to all solution modules:

• Windows Client has completely redesigned the mechanism for forming printed forms of documents, displaying them, some screen forms, which made it possible to solve problems with their display in new versions of Windows
• in the server part of InterBank Start, the ability to generate reports using has become available, Microsoft Excel while support for working with MS tools Excel is also possible in terminal mode,
• a skin mechanism has appeared in the Internet Client module - the internal structure of the interface part has been redesigned, which allows you to use skins in a simplified way.

author = Yakov Stavrinov, Head of Customer Relations, Credit and Financial Sector, Aladdin R.D. Internet banking is a sensitive environment, and trust in the reliability of this environment is determined by many indicators. The Anti-Fraud Terminal acts not only as a means of displaying signed data for the client, but also allows the bank to make sure that the client is working on a secure device. Together with R-Style Softlab, we have implemented many interesting projects aimed at increasing the level of security of RBS systems. I am sure that the implemented method of additional protection will be not only convenient for banks, but also for their customers.

2014

InterBank Retail implements data exchange with GIS GMP

The system RBS for individuals of InterBank Retail company R-Style Softlab has the opportunity to integrate State with the information system on state and municipal payments (). GIS GMP Now clients of financial organizations using this solution have access to data on debts to suppliers of public services - on the presence of unpaid charges from, FTS fines, duties TRAFFIC POLICE for issuing passports.

In its development, the Company implemented information interaction with GIS GMP using a direct connection to the Interdepartmental Interaction System (SMEV) using an electronic signature, which does not require the use of additional solutions that perform the function of an adapter.

Earlier, R-Style Softlab introduced functionality for data exchange with GIS GMP in ABS RS-Bank.

InterBank v. 5.20.029

R-Style Softlab has updated the InterBank v. 5.20.029 software package for remote banking of legal entities. The new version implements not only a set of improvements within the complex, but also adds the ability to interact with such external portals and systems as GIS GMP and the CryptoPro TC certification center.

As part of integration with GIS, GMP has a functionality that allows you to receive information about the debt of organizations to the budget. Users will now be able to quickly generate payment orders based on this data. Integration with CryptoPro CC will allow them to exchange certificates over secure communication channels.

The updated version of InterBank v. 5.20.029 has improved the document management process. It is possible to create orders for the transfer of funds to employees of the organization within the framework of a salary project. Now users will be able to download the register with information about the transfer of wages to employees' accounts. In this case, the registry can be formed in the form of a csv file intended for storing table data in the format of ordinary text files, or using the 1C v.8.3 program.

In addition, new directories for working with a salary project have been added: a directory of employees of the organization to whom money can be transferred, and a directory of tariffs, which allows you to automatically calculate the amount of the commission in the payment order. In addition to the mechanisms for the main protection of document flow (encryption and the use of electronic signature), the company's specialists have implemented the ability to confirm payment transactions using one-time passwords generated by eToken PASS keychains.

"R-Style Softlab constantly updates software products, closely following banking market trends and technology development," commented Pavel Zhurikhin, Director of Electronic Banking Systems at R-Style Softlab. - In the new version of InterBank v. 5.2, we paid special attention to data protection mechanisms and increasing the level of usability. For example, in the modules "Internet Client" and "Client-Windows" the system for informing users about incorrect filling out of documents has been improved - now they can immediately see a general list of comments sorted by type of criticality, and quickly correct errors thanks to prompts. "

2012

InterBank changed the procedure for conducting foreign exchange transactions in accordance with the 138-I

On October 1, 2012, Instruction of the Central Bank of the Russian Federation No. 138-I dated 04.06.2012 comes into force, which regulates the procedure for submitting documents and information related to foreign exchange transactions by residents and non-residents to authorized banks. This regulatory act also approves the procedure for issuing transaction passports, accounting by authorized banks for foreign exchange transactions and monitoring their implementation.

In accordance with the requirements established by the regulator, the InterBank software complex implemented changes in the reporting forms of currency control documents, provided the ability to upload electronic versions of documents, as well as modified old certificates and added new ones. All users of InterBank business applications have successfully installed the necessary updates.

InterBank is a universal centralized platform with modular construction of front-office solutions, remote service systems, designed to organize internal workflow and communications with customers. It includes systems aimed at remote servicing of corporate (InterBank Corporate) and retail (InterBank Retail) banking clients, as well as systems designed to build a comprehensive front-office banking model (InterBank FrontOffice).

Integration with SafeTouch

In September 2012, it became known that R-Style Softlab completed the integration of the InterBank platform and application solutions based on it with the SafeTouch device for visual control of signed documents, which made it possible to ensure transaction protection in remote banking systems. Read more here.

InterBank v. 5.20.025

A number of tools focused on improving customer security have been improved: the use of one-time passwords as an additional means of confirming operations; notification of clients about the change in the status of documents sent to the bank; Use a virtual keyboard for authentication to log into your personal account.

In the new assembly, a settings wizard has appeared, which, when you first log on to the system, makes basic settings in automatic mode that are sufficient to work with remote service. The most relevant areas for development were: cross-browser support - work in browsers other than Internet Explorer: FireFox, Google Chrome and others, expansion of the used document forms (contract and loan contract transaction passport), implementation of information on the presence of restrictions on settlement transactions for client accounts in ABS .

2007

R-Style Softlab has released a new software product of the InterBank line - the RS-Alarm system

2003

A new version of InterBank was released - 5.2. the first introduction of RS-Bank in the far abroad - in Anodbank (Ulan Bator, Mongolia). A new system support channel has been opened via the Internet - I-Support.

1999

A complex of InterBank electronic banking services was created.

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