Chatbank

2020: Integration with Elba. Pass

Sovcombank integrated internet-bank for business of Chat-Bank with online accounting Elba. Pass from Circuit. Reporting opportunities opened 150 thousand clients of bank. On March 12, 2020 SKB Kontur reported about it.

Thanks to integration entrepreneurs work with Internet bank and accounting in one window. Service allows to prepare the reporting under the STS, to calculate taxes and contributions — and at once to pay them in inspection. Accounting knowledge for work is not required.

Online accounting Circuit. Elba for March, 2020 serviced more than 800,000 entrepreneurs. The service helps banks not to create the reporting opportunities from scratch, and to use the ready-made solution. The command of service itself monitors relevance of reports and provides support of service.

We are glad to cooperate with service which simplifies work of entrepreneurs. At many of those who only begin the case conducting accounting raises the mass of questions. Solving this problem, Elba allows them to concentrate on business development, noted Albert Boris, the vice chairman of the board of Sovcombank

Online accounting is already basic possibility of Internet banks for business. Clients expect to see it, and we help bank to meet expectations at least not to concede to competitors,

2019: Release of SovcomPay for payment via the smartphone

On May 13, 2019 Sovcombank announced release of the SovcomPay application for acceptance of payment from clients via the smartphone.

In the Light Chatbank application of Sovcombank for legal entities and individual entrepreneurs the functionality is updated – sellers can accept payment from clients using the smartphone or the tablet and without use of the POS terminal.

Transfer of money happens the next working day, and if you pay with the buyer the card of Sovcombank – is instant. All information on transactions and services will be displayed in the application. Chatbank the Light has convenient and the intuitive interface thanks to what users do not need to undergo additional training.

To begin to use SovcomPay, it is necessary to open a checking account and to connect service remotely or in any bank department. The cost of connection of service for May, 2019 is 1 thousand rubles. The commission on transactions for users of the application will make 1% if you pay with the card of Sovcombank and 2.3% if you pay with cards of third-party banks.

With updated functionality of the application acquiring in every spot on the globe without binding to the terminal became available to our clients. This application will be suitable for sellers with non-repeat orders and also to those sellers where it is not necessary to hurry with payment, there are no big queues, and the possibility of payment by the card is all the same necessary. It is necessary to keep up to date and it is impossible to lose clients who with themselves have no cash. Andrey Spivakov, chief executive officer of Sovcombank

2018: Security of Chatbank Internet bank

What is protected?

Session

• Uniform API for all WEB devices iOS Android;
• Blockchain architecture for fast inputs on iOS and Android;
• Observance of owasp.org: https, cookie-token, url-token, xframe-deny, srypto-random and dr;
• Restrictions: activity time, time of a continuous session, one client - one session, quantity of errors = blocking and dr;
• One-touch-session: the session of data lives before the first touch;
• Deep-session: a deep session = a uniform chain of client-fe & fe-be sessions on client data;
• Separate log on action components: beginning, sending SMS, obtaining SMS and td;
• OTP on an input;

Data transmission

• Separate two-step session on each signing, signing of data, which already on the server, but not transfer of the signature with data;
• Encrypted POST: additional automatic enciphering of the AES forms cryptography, without exchange of a key on network.

Electronic signature: 3 factors of security

• Factor = the independent channel of delivery of the signature attestation in bank

2017: Features of creation and operation of Chatbank Internet bank

Features of creation and operation of Chatbank Internet Bank