TranzWare Internet Banking

TranzWare Internet Banking is the full-function product for Internet banking based on the most modern technology concepts.

Description

TranzWare Internet Banking gives to financial institutions an opportunity to create own unique Internet bank, and to offer the clients the personalized financial services.

Features of TranzWare Internet Banking, first of all, in modular creation of a system. Use of such technologies as AJAX and jQuery where the business logic of execution of operations is separated from design, and the product is designed as a set of mobile functional modules (widgets).

User interface

TranzWare Internet Banking uses approach to user interfaces at which the appearance of a product is constructed as a set of interactive widgets – the isolated functional modules of Internet bank. The homepage of the web application consists of auxiliary (the main menu and navigation) and the main set of the modules which are directly implementing logic of work with accounts, cards, information and payment services.

Users can configure appearance of a product according to the preferences. In particular, the following parameters can be adjusted:

• Appearance of modules and the application in general (for example, for integration of marketing messages);
• Arrangement of modules on the page;
• The structure displayed in the module and objects attributes (accounts, templates of payments, statements, requests, etc.)
• Information on settings is saved on the party of a host that allows to save appearance, usual for the client, irrespective of where and how the input in Internet bank was made.

Advantages

• The appearance of the application is constructed as a set of interactive widgets – the isolated functional modules of Internet bank
• In addition to an extensive set of the widgets deliverable in finished form together with a system, financial institutions have a possibility of modification and creation of own widgets and also their integration with external systems
• The product is convenient in use and is easily customized
• TranzWare Internet Banking is a part of a product line of TranzWare allowing to construct an end-to-end system of RBS
• The product has high degree of security for protection of payments of clients against fraud

Approaches to integration

The concept of the solution TranzWare Internet Banking assumes not only use of deliverable widgets, but also a possibility of modification and creation own, thereby expanding functionality of a product. And interaction of these modules with external systems can be performed by different methods.

By default application modules address the frontal system of a processing center TranzWare Online, using the open VTBI SOAP protocol (Versatile Telebank Interface). In this case TranzWare Online acts not only as storage of card limits, but also as a management system for channels of remote service, and moreover – the universal integration gateway. The intelligent system of routing of transactions allows to organize online interaction of Internet bank with other products of the TranzWare family and also various external systems: Core banking system, CRM, payment gateways, etc. Such approach allows to take fully advantage of the integrated solution RBS, such as: the full-fledged online mode, a uniform set of services in all canals of customer service (ATMs, booths, mobile bank).

Direct interaction of the separate modules TranzWare Internet Banking with external systems can be also executed using the enclosed development tools. Thus, the financial institution receives the tool for operational implementation of integration projects, and creation of unique customer services. The functionality of the created modules is not limited: it can be both especially information service (broadcast of news), and the full transaction interface – for example, management of the broker account of the client in a third-party system.

TranzWare Internet Banking is the virtual interface to the frontal TranzWare Online system and inherits the functionality inherent in this processing system. The product in a basic equipment comprises an exhaustive set of transactions and settings which is required from modern Internet bank. Existence of additional tools of a processing system opens zanchitelny opportunities for creation of financial web service and development of retail business in the self-service mode.

Functionality

• Information services: information on an account/card status (an account type, currency, an available and complete balance), the configured list of operations with the account/card, information on payments/transfers
• Financial transactions: money transfer between client accounts, money transfer to any card / account, payments for different services (utilities, etc.), payment according to any details, setup of templates and planning of payments/transfers, purchase of pre-paid products
• Calculations in the Internet: virtual cards: generation, management of limits and status, support of the 3D-Secure programs
• Service functions: management of the status and description of cards/accounts, application appearance setup, arrangements and maintenance of separate modules, management of SMS/e-mail of notifications, export of information to external programs (for example, "house accounting")
• Interactive services: correspondence with bank, requests for products and services
• Security: static and dynamic client authentication, support of DPA/CAP technology, use of the signature of financial transactions
• Additional functions: The PDA version, currency rates, the currency calculator, news, other developed modules

2015: Payments of the Contact system are integrated into TranzWare Internet Banking

On April 15, 2015 the Compass Plus company announced project completion of integration of functionality of sending money transfers of the Contact system via channels of remote banking, including Internet bank on the TranzWare Internet Banking platform.

The joint project of two companies using a processing center of Compass Plus within the TIC protocol provided sending money transfers of Contact via ATMs and Internet bank created on the platform of the products TranzWare Internet Banking.

All necessary tests in a pilot project and banks, the using software of Compass Plus are carried out, can connect money transfers of Contact to give to card owners an opportunity of sending money to any person in the territory of the Russian Federation and the CIS.

"For many Russian and foreign banks whose systems of remote banking are implemented based on solutions of Compass Plus company, money transfers are a significant component in a line of retail products and a permanent source of commission income, – Alexey Abrameitsev, the managing director of Contact payment system told. – Integration of our services into a product family of TranzWare will expand a set of financial products and services for the individuals available in Internet bankings and ATMs of the largest financial institutions. At the same time, the maximum degree of adaptivity of a new product to external IT solutions considerably will simplify to banks connection of money transfers of Contact that will increase their availability in the most perspective and modern channels of use of financial services".

"Development of channels of remote banking is strategic direction of development of our company, – Andrey Chirkov, the senior vice president and the commercial director of Compass Plus noted. – The project with Contact payment system fits into this strategy and is unique the fact that due to use of resources of our processing center the interested banks can broaden channels of service of money transfers without capital costs of connection or increases in operating expenses".