The Banking Communication standard (BCS) is a standard technique for long-distance data transmission between customers and credit institutes.

Basis of the Banking Communication standard is the so-called telecommunications agreement of the ZKA. In Germany the BCS as well as the VTX Homebanking formed the first forms electronics of the Banking, particularly for the exchange.

Functions

To the most important functions that belongs

• Inland exchange (DTAUS: Order types IZV, IZG, IZL),
• Foreign payment transactions (DTAZV: Order types AZV, ESU),
• the Swift daily statements MT940 (STA), (SWIFT: Society for Worldwide interbank Financial Telecommunication),
• Noting post at short notice (VMK) as well as
• Data media hurry payments (DTE).

Authorizations

Furthermore it is to be defined possible a very fine access control. i.e. the customer can with the partners (e.g.: Banks) different persons with different authorizations to furnish leave. The rights for the electronic signature (European Union) are usually assigned similar to the agency authorization:

• E = Einzelvollmacht
• A = 1/2 authority Erstunterschrift
• B = 1/2 authority secondary signature
• N = no signature authorization (only

A restriction of the European Union in relation to the agency authorization is possible, an expansion in relation to the agency authorization only with a separate authority with authentication examination, there the bank otherwise against the tax code (AO 1977 "§ 154 - account truth) offends.

Data communication

The transmission of the files can take place by means of different telecommunications procedures: For FTAM one in most cases needs (bank-dependently) an adequate ISDN connection (local or over (remote) CAPI). With some banks an alternative ftp entrance is offered. In the health service alternatively - at least partly - a scalable TCP/IP entrance is possible. The most well-known programs for the FTAM use are professional cash, multi-cash or S-Firm32 (banking) and/or Multicom (health service). Usually the banks compute a fee for the use of the service FTAM. The rates of charge are appropriate for ith D." R. between 2-25 euro/month and Konto.Im health service is made the transfer free of charge by free local call numbers and not by special call number.

The main advantage of the account statements over FTAM lies in the direct further-processableness of the data into stored financial accounting systems. (DATEV, SAP, etc.)

Security

In the Onlinebanking by HBCI and FinTS are possible just like kinds of authority as well as inland different in the FTAM and foreign payment transactions. Over FTAM there are no account statements, but (the difference is the legal commitment). One gets these in all Onlinebanking Verfahren.Ein export for subsequent treatment (MT940 or other one) depends not on the Onlinebanking procedure, but on the assigned software.

A coding of the data is possible in the FTAM procedure. Bank and customer avail themselves for this of an asymmetrical procedure by means of private keys and publication IC key (PKI). The coding is taken by the user in enterprise, as the customer fetches the publication IC key of the bank, transfers its own pair of keys generated and afterwards its publication IC keys to the bank. De-energising takes place via initialization minutes, which are dispatched to the bank.

See also electronics DATA interCHANGEs

Other procedures

• PIN/TAN
• HBCI
• EBICS

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