Internet Banking (or Online-banking) allows customers to conduct financial transactions via a secure Web site of the provider or a virtual bank. Internet banking is a special case of "Client-Bank". Little history. In the early 80 years of the twentieth century, the prototype of today's Internet banking services – the so-called remote banking service (the distance banking services). Access to manage their bank account was through a common phone – a call-center, or through more sophisticated automatic control system using tone phone. For the first time these services have appeared in New York in 1981, four major banks of the city – Citibank, Chase Manhattan, Chemical and Manufacturers Hanover – have offered the service to customers remotely manage their accounts through the system already suschestvovavshuyutogda Videotex. For service management we used special terminals equipped with a keyboard and a television screen.
Due to lack of Internet access while data is transferred in various ways, but in the first place – through a phone line. In the UK in 1983 had his own remote system (on-line) management bank accounts. It used to query the modem connected to a telephone line. And for examples of data – a single TV channel and connected TV. Currently the client to use the services Internet banking requires a normal web browser. The very system of internet banking is placed on the bank's Web site.
All user data (vouchers, account statements) are stored at the bank site. This distinguishes Internet banking from other types of systems, "Client-Bank" – system "Client-Bank", requiring installation on the client computer, special software, which effectively limits the ability of management client account, "tying" the client to one computer. Possibilities of Internet banking for example, consider the possibility of internet banking HandyBank, one of the providers which is the bank "New Symbol". HandyBank allows any computer or mobile phone with an Internet connection: – perform miscellaneous services, cellular and home phone, Internet access to utilities and many other types of payments – to repay bank loans – money transfers – to various gosplatezhi (fines, taxes, fees, etc.) – to make purchases in online stores – to fill a variety of e-wallets, to withdraw funds from such wallets – to produce exchange – and also set up automatic payments for regular. Additional advantages of internet banking. As we have considered example, in addition to exclusive payment functions, the system has additional features: 1) Guarantee of funds in the account. Client's funds are provided state guarantees the return of deposits. 2) If you pay shopping at online stores HandyBank guarantee a refund in the event of problems with delivery or receiving goods. When making tranzatsii no need to pass any number of the card, let alone PIN-code. Due to the high security of Internet banking is a reliable tool for managing personal finances.