Of electronics Banking one speaks, if exchange and banking transactions are completed voucherless in electronic form.

Kinds

In principle there are five kinds of electronics Banking:

1. Electronics Banking by data exchange (DTA)
2. Onlinebanking (also E-Banking, Homebanking, or Telebanking)
3. Telefonbanking
4. Self-service-Banking
5. Map-supported paying

Data exchange

Transfers and debits are submitted in file type on disks or CD-ROM, in former times also on magnetic tapes to the bank. The authentication and authorization of the orders take place via a "data medium detailed statement in such a way specified" with signature of an account authorized person.

The structure of the file ("DTAUS file") is prescribed and contains beside the client and receiver data the order type (for transfer or debit) as well as sum data as a check.

The data exchange is common beside FTAM/BCS (see below) particularly with large firms and municipalities with very many orders.

Within Switzerland there is uniform and standardized Aufbau.Das for the DTA format a data exchange (DTA) format by the Swiss interbank clearing AG (a joint work of Swiss banks) is defined.

More under Swiss interbank clearing AG

Onlinebanking

Onlinebanking finds by long-distance data transmission (e.g. Internet or direct A CHOICe with the bank) instead of.

Here two procedures are usual:

• Browserbasiertes Internetbanking (over the Website of the bank),

• Use of a Clientprogramms in such a way specified. With this first off-lines, thus without on-line connection, become which prepares transactions (for example a transfer voucher filled out). Afterwards an on-line connection to the transmission of the collected transactions is only needed (see E-Mail-Client).

The orders are signed with the help of an electronic signature. Here in Germany several procedures were established:

• PIN/TAN,
• HBCI (Home Banking computer interface) or FinTS (Financial Transaction services) with authentication by smart card or key disk,
• FTAM (file transfer and ACCESS management) with electronic signature (European Union); particularly in the firm sector spreads; Direct A CHOICe to the bank computer over ISDN or DATEX-P.
• BCS (Banking Communication standard, usually using electronic signatures), mainly with larger enterprises in use.
• EBICS (extension of the Banking Communication standard for communication over Internet using electronic signatures), future multi-bank standard for the firm customer business over Internet (surface availability probably starting from 2007).

In Austria mainly the procedure MBS/IP is used.

Modern browserbasierte Internetbanking systems, are characterised among other things by portal functions, barrier liberty, sophisticated safety mechanisms (e.g. against Phishing), notification possibilities (e.g. during change of account balance via SMS or E-Mail), mobile TAN procedures, as well as freely selectable Loginnamen.

All well-known browserbasierten Internetbanking systems are to today Closed SOURCE.

See also: Direct bank, financial portal, Multikanalbanking, T-Online.

Admitted Clientprogramme (selection)

Germany

Some examples of Homebanking programs:

• Professional cash, Home cash, VR NetWorld software (particularly for people banks and loan banks),
• StarMoney (particularly for savings banks, loan banks, Commerzbank),
• T-Online Banking,
• WISO my money,
• Quicken,
• GnuCash (Linux),
• BankX (MacOS X),
• MacGiro (MacOS X)

Further well-known programs on www.homebanking-hilfe.de - a panel approximately around the Homebanking.

Austria

• ELBA MBS: UC, BTV, CAPITAL bank - GRAWE group of AG, Hypo upper Austria, Hypo Salzburg, Hypo Steiermark, ING bank N.V. Vienna Branch, upper bank, Raiffeisen, SANPAOLO IMI S.p.A., Schoellerbank AG, of generals, Svenska mercantile banks OFF, VKB bank, ZVEZA BANK rainat present o.j,
• Business LINE, Business Net: Bank Austria Creditanstalt,
• Telebanking MBS: Savings bank, first bank, BAWAG/P.S.K. Group.
• MAIN HEADER mbs: People banks sector

Switzerland

• Yellownet

Telefonbanking

With the Telefonbanking account balance inquiries, transfers, often also security business are completed over the telephone. Here language computers, in addition, call center solutions are used.

Self-service-Banking

By this the customer self-service falls at money automats, statement printers or transfer terminals.

Map-supported paying

Also paying with credit card, cheque card or money map falls into the range of the electronics Banking. Depending upon used map authorizing the payment takes place by pin or signature. With the money map no authorizing takes place.

Literature

• Sauerburger, Heinz (Hrsg.): Zahlungssysteme/E-Banking, HMD 224, dpunkt.verlag, Heidelberg 2002, ISBN 3-89864-154-6.

Related links

Germany

• www.bankenverband.de - OnlineBankingSicherheit.pdf
• Portal side to HBCI

Switzerland

• Blog too eBanking

Austria

• Study group for co-operation in the exchange (Normierungsinstitut of the banks in Austria among other things the MBS standard)
• a.trust
• ELBA electronics Banking
• Telebanking
• BusinessNet

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