Overview of EB Services and Parameters - Unicredit Bank

Overview of Services and Parameters for the Eltrans 2000 Application
List of passive services – Eltrans 2000
Name
Information on
balances
Account statements
Description
Displaying, printing and exporting information on account balances for the client’s arranged accounts.
Displaying, printing and exporting electronic statements for accounts maintained at the bank as well as at other banks.
Unaccounted turnovers Displaying, printing and exporting information on unaccounted transactions.
Term deposits
Domestic standing
payment order
Direct debit permission
Table of exchange
rates
Interest rates
Mail (incoming)
Information on established term deposits (list of current term deposits, list of requests for establishing, list of requests for
changing the payment date). Possibility of printing and exporting.
Information on established standing payment orders (list of current standing payment orders, list of requests for
establishing, list of requests for changing the amount and payment date). Possibility of printing.
Information on direct debit permissions (list of current direct debit permissions, list of requests for establishing, list of
requests for changing the payment date). Possibility of printing and exporting.
Bank’s current table of exchange rates, the Czech National Bank’s FX middle rate. Possibility of printing and exporting.
Displaying, printing and exporting of interest rates.
Possibility of receiving and printing informational messages from the bank.
Overview of active services – Eltrans 2000
Name Description Cut-off time
Domestic payment –
standard
Domestic payment –
express
Sending a domestic payment order in CZK with the payment date on a specified
banking day (D); funds to be debited from the client’s account on this day (D+0) and
credited to the beneficiary’s bank on the following banking day (D+1).
Sending a domestic payment order between accounts within UniCredit Bank in CZK
with the payment date on a specified banking day (D); funds to be debited from the
client’s account and credited to the beneficiary’s account on this day (D+0).
Sending a domestic payment order in CZK with the payment date on a specified
banking day (D); funds to be debited from the client’s account and credited to the
beneficiary’s bank as well as to the beneficiary’s account on this day (D+0).
Note: Only if the beneficiary’s bank receives urgent payments.
By 17:30
By 10:00
Direct debit request
Conversion order
within the bank
Domestic standing
payment order –
establishing/
changing/cancelling
Changing or cancelling
a domestic standing
payment order
Sending a direct debit order in CZK with the payment date on a specified banking day
(D) to be processed at the bank on this day (D+0) and to be transferred to the payer’s
bank on the following banking day (D+1).
Sending a payment order between accounts maintained at UniCredit Bank in different
foreign currencies or between an account in CZK and an account in a foreign currency
with the payment date on a specified banking day (D); the funds to be debited and
credited to the client’s account on this day (D+0).
Establishing a standing payment order in CZK with the payment date on a specified
banking day (D), but at the earliest on the following banking day (D+1).
If a regular payment of a standing payment order is payable on a non-banking day, the
payment will be executed according to the client’s instruction.
Types of domestic standing payment orders:
- Subsidy for an established balance
- For a fixed amount
- Transfer of a balance
Changing and cancelling a standing payment order with immediate validity. This applies
even for non-banking days.
If this day is the same as the banking day for a regular payment of an already
established standing order, the change/cancellation of the standing order shall be valid
from the following banking day.
This does not apply to standing orders with a period of 1 day, i.e. a one-day standing
order can be changed/cancelled on a banking day for a regular payment.
By 17:30
By 12:00
By 17:30
By 17:30
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Direct debit permission
– request for
establishment
Cancelling a direct
debit permission
Foreign payment order
SEPA payment order
Term deposit (one-time
or rollover) –
establishing
Rollover term deposit –
changing/cancelling
Structured messages
Mail (outgoing) – nonstructured
messages
Remote signature
Payment cancellation
Request for establishment of a direct debit permission with validity from the current
banking day.
If delivered to the bank on a non-banking day, the establishment, change or
cancellation of a debit permission shall be valid on the next banking day.
Cancelling a direct debit permission with validity from the current banking day. If
delivered to the bank on a non-banking day, the establishment, change or cancellation
of a debit permission shall be valid on the next banking day.
Sending a foreign payment order to the beneficiary’s bank:
a) with an amount in the same currency as the payer’s account currency, i.e. without
conversion;
b) with an amount in a currency other than the payer’s account currency, i.e. with
conversion.
If delivered to the bank on a non-banking day or after 12:00, the payment will be
processed on the next banking day.
Europayment – sending a crossborder payment in EUR up to 50,000, including within
the EU and EEA.
Sending a SEPA payment order to a beneficiary’s bank which is able to receive SEPA
payments in EUR with costs assigned as SHA (=SLEV) payable on a specified banking
day (D); funds to be debited from the client’s account on this day (D+0) and credited to
the beneficiary’s bank at the latest within three banking days (D+3).
If delivered to the bank on a non-banking day or after 12:00, the payment will be
processed on the next banking day.
Establishing a one-time or rollover term deposit on the client’s deposit account.
If delievered on a non-banking day, it is regarded as an instruction delievered on the
next banking day.
Types of term deposits:
- Unchanging – The principal on the account is fixed.
- Savings – The principal is increased by the accumulated interest and the agreed
savings amount.
- With allocation of earned interest and a deposit limit – The interest earned is paid
from the principal increased by the accumulated interest; the principal on the
account shall not fall below the agreed limit.
- Capitalised – The principal is increased by the accumulated interest.
- With allocation of earned interest – The interest earned is paid from the principal
increased by the accumulated interest.
- Balance – All funds exceeding the chosen balance are transferred to the principal.
Changing or cancelling an automatic rollover term deposit with validity from the
following period.
Application for a letter of credit
Application for drawdown of a loan
Application for loan renewal
Application to change a foreign payment order
Instructions for the documentary payments and guarantees department
Messages can be used to request the bank to open a current account, establish a term
deposit, give notice of a cash withdrawal, confirm orders for executing operations on
financial markets, execute an FX deal, do overnight transactions, etc. We recommend
prior agreement with a bank advisor. Outgoing mail also can be used to send
attachments (e.g. Excel files). The client also can prepare documents in advance and
send them in the form most suitable for him or her.
Besides the possibility to use the collective signature right, the client also is able to use
the so-called remote signature function – Eltrans2000@Sign. For example, the Eltrans
2000 application user creates payment order and confirms it partially. After subsequent
connection with the bank, the order shall appear in the list of insufficiently signed orders
in the Eltrans2000@Sign application (internet banking). The Eltrans2000@Sign user
can attach the signature to the document or cancel the document. After the final
signature is attached, the transaction is sent automatically to the banking system for
final processing.
Possibility to cancel a domestic payment in CZK, provided it has not yet been executed
by the bank.
By 17:30
By 12:00
By 12:00
By 17:30
Maturity date: max. 2 banking
days following the current
banking day
By 17:30
Changing and cancelling can
be carried out at latest 2
banking days before maturity.
According to the conditions
agreed in the contract
Until the bank executed the
payment
Note: If an active transaction is delivered on a non-banking day or after the terms presented above, the transaction will be processed on the next
banking day.
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Overview of parameters – Application Eltrans 2000
Minimum technical
requirements
Hardware:
PC with the following parameters:
• Pentium processor (133 MHz when using access db, 166 MHz when using SQL db) or a comparable processor
from a different producer (minimum requirements for processor performance also depend on the operating system)
• 32 MB RAM (when using access db) or 64 MB RAM (when using SQL db) operating memory (minimum
requirements for size of operating memory also depend on the operating system)
• 30 MB of hard disk space for Eltrans 2000
• CD–ROM (for installation)
• Colour monitor with a resolution of 800x600 pixels (at least 1024x768 recommended), keyboard, mouse
• Connected printer (for printing statements and other outputs)
• Modem or network card
Software:
The following operating systems:
• MS Windows 98, 98SE, Windows NT 4.0 (SP 6A), Windows 2000 (SP3 and SP4), Windows ME, Windows XP,
Windows Vista
• Windows NT 4.0 Terminal Server (only in combination with MS SQL Server)
• Windows 2000 Server/Terminal Services (only in combination with MS SQL Server)
• Windows 2003 Server/Terminal Services (only in combination with MS SQL Server)
• Internet Explorer 5.5 or higher (IE6 or IE7 recommended)
• TCP/IP protocol installed
• Other important components are included in the application installation package.
Data transfer:
For executing the transfer
through an analogue telephone line:
• one free serial port (COM 1, COM 2, ..., COM8)
• modem on the PC on which the programme will be installed (AT compatible, min. 2400 bps, error correction
according to V.42 or MNP4 specification)
• cable for connecting the modem and the free communication port on the PC
• cable for connecting the modem to the telephone line
through an ISDN line:
• ISDN end-user equipment – It is necessary to verify whether the CAPI 2.0 driver is available for the given operating
system and whether the equipment supports this standard.
• cable for connecting the ISDN end-user equipment and the line
through TCP/IP protocol:
This type of communication uses the internet as a communication medium. Communication proceeds directly to a
specific IP address and the bank’s server port.
through HTTP protocol:
This type of communication uses the internet as a communication medium. Unlike TCP/IP, it enables quick setup of the
connection to the banking system (it is not necessary to authorise a specific IP address and the bank’s server port, thus
avoiding complicated setup on the client’s server).
System security
Export/import
The extent of users’ authorisation to work in the Eltrans system is precisely defined by the client’s administrator. During
transfer, data are protected by special DES/RSA algorithms. Furthermore, the client uses for his or her authorisation
specially created access certificates. This makes it possible to easily identify even multiple users within one company.
(Access certificates may be stored on alternative data storage devices – e.g. USB tokens, chip cards and the like.
Before using a token or chip card, we recommend familiarising oneself with the device’s features and its proper use in
accordance with the technical documentation provided with the device.) The user may log into Eltrans in three ways –
using a user name and password, the digital certificate, or the access password to the internal computer network in the
company (the best method is determined by the company’s administrator).
The Bank reserves the right to change the format of exported and imported data.
Unicredit Bank’s http://www.unicreditbank.cz
website:
EB HelpDesk – elbn@unicreditgroup.cz
email address
Client line Technical support: +420 221 112 241
Processing of payment files: +420 221 112 242
EB HelpDesk hours of 7:00–18:00
operation – banking
days (Mon–Fri)
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B) OVERVIEW OF SERVICES AND PARAMETERS – ELTRANS@SIGN
Overview of passive services – ELTRANS@SIGN internet tool
Name
Information on
balances
Account statements
Description
Displaying and printing information on the balances on all the client’s arranged accounts.
Displaying, printing and exporting electronic statements from accounts maintained at the bank.
Unaccounted turnovers Displaying and printing unaccounted turnovers.
Term deposits
Domestic standing
orders
Direct debit
permissions
Mail (incoming)
Details, history and printing of information on established term deposits.
Details, history and printing of information on established standing orders.
Details, history and printing of information on direct debit permissions.
Possibility of receiving informational messages from the bank.
Overview of active services – ELTRANS@SIGN internet tool
Name Description Limit
Remote signature
The Eltrans 2000 application user creates a payment file (containing payment
instructions) and attaches the first signature to it. After being sent to the bank’s
server, the file will appear in the list of partially signed documents in the
Eltrans@Sign system (internet tool for additional signature of Eltrans 2000 files). In
this list, the Eltrans@Sign user is able to examine and cancel the document as well
as to attach the signature. After the final signature is attached, the transaction is sent
automatically to the banking system for final processing.
The number and combination of
signatures of the collective
signature right may be defined
within the order to set up
signature rights in the Eltrans
2000 application .
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Overview of parameters – ELTRANS@SIGN internet tool
Minimum technical
requirements
Hardware:
PC with the following parameters:
• 486 processor or a comparable processor from a different producer (minimum requirements for processor
performance depend also on the operating system)
• 32 MB RAM operating memory (minimum requirements for size of operating memory depend also on the operating
system)
• Hard disk space – See operating system requirements.
• Colour monitor with a resolution of 1024x768 pixels, keyboard, mouse
• Connected printer (for printing statements, balances and other outputs)
• Modem or network card
System security
Unicredit Bank’s
website:
EB HelpDesk –
email address
Software:
The following operating systems:
• MS Windows 98, 98SE, Windows NT 4.0, Windows 2000, Windows ME, Windows XP, Windows Vista
• Windows NT 4.0 Terminal Server
• Windows 2000 Server/Terminal Services
• Windows 2003 Server/Terminal Services
• Internet Explorer 5.0 or higher
• Microsoft Virtual machine version 3810 or Java Runtime Environment from Sun Microsystems version 1.5 or 1.6
Note: By using Java Sun, Eltrans@Sign can also be operated on some alternative browsers supporting the HTML 4.0
standard (such as Firefox and Opera) and alternative operating systems (Mac OS and Linux – in this case,
however, the bank does not provide full technical support).
Data transfer:
• Internet connection with SSL-enabled communication
The account owner specifies in writing the access and signature rights to individual accounts for individual users. To use
Eltrans@Sign, it is necessary to obtain from UniCredit Bank by means of the registration authority two certificates – an
“SSL certificate” for verifying access, or the user’s identity, and a “signature certificate” for confirming transactions sent
to the bank. The user has the possibility to store the certificates on alternative storage devices, e.g. USB tokens, chip
cards and the like. The solution is proposed such that any type of device fulfilling security standard PKCS#11 can be
used. Before using a token or chip card, we recommend familiarising oneself with the device’s features and its proper
use in accordance with the technical documentation provided with the device. The user name and password for
accessing the application comprise another integral feature of the system’s security. If 3 consecutive or 10 total failed
attempts at identification are made, the application will be blocked.
http://www.unicreditbank.cz
elbn@unicreditgroup.cz
Client line Technical support: +420 221 112 241
Processing of payment files: +420 221 112 242
EB HelpDesk hours of 7:00–18:00
operation – banking
days (Mon–Fri)
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