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Pension, insurances and tax Insurance sales Payments on insurances Pension fund payments Tax payments

Buy insurance products, re-apply for insurances and re-form insurance terms Payment of installments on insurances Payment of installments to pension funds Payment to national state budget of personal or corporate taxes


Client object model and generic access control

Online client

The registered entity - company or individual that is registered to use banking services through electronic channels.

Online user

Named user of the system - authorized person, assigned as a representative of the customer. All activities in the system from client’s viewpoint are performed by the Online user. One Online client has one or more Online users*

Access control

Channel login for Online user - possibility for different credentials and access methods for access on different channels. Credentials and certificates expiration check.

Session management

Control of the session of the Online user - session opening, detailed logging of activities on a session with timestamps, session logout - by expiration or forced.

Rights control

Validation all rights of Online user on products and services for respective Online client, check for assigned constraints (such as allowed / restricted operations on product, limits if any, etc).

  • *

    Although usually one Online banking customer represents one bank client registered in core banking system, it is also

possible one Online banking client to relate to more than one bank client - in case of legally related companies and/or individuals. (For example for individual customers one Online client is related to one Bank Client and has one respective Online user).

Corporate banking Authorized signers concept

Authorized persons definition for corporate customers; Complex permissions and limitations on customer’s accounts of authorized persons

Bank customer hierarchy

Bank customer hierarchy - “major” and “dependent” customers (with enhanced rights for “major” customer’s authorized persons to operate on accounts of “dependent” customer accounts). Applicable to groups of companies and holdings operating both as a single structure and as separate legal entities.

Payment execution rules

Payment execution rules payment groups defined for each corporate user, with required number of signatures from specified payment groups for effective payment execution for amounts over a specified range. Flexible scheme allowing corporate users with number of authorized persons to apply an ordered payment system.


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