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Hal E-Bank

Hal E-Bank is a suite of products, which represents an effective, end-to-end solution for all areas of electronic banking.

Hal E-Bank’s core functionality consists of payment system and cash management support with account information (balance, interim and booked transactions, statements), account aggregation and a wide range of manipulating and reporting utilities. Payment system support includesdomestic and international payments through a parent bank as well as international cash management payments through a parent’s bank partner bank.

In addition, Hal E-Bank’s unique approach and implementation, based on digital signature, enables easy management of any banking product(e.g. loans, deposits etc.) by electronic means. That gives a bank a great opportunity to combine standardized payment services with specific bank dependent products within one solution and to gradually move the majority of client’s business from paper to electronic world.

Moreover, Hal E-Bank supports the so called multi-banking approach. That means that it provides clients with up-to-date information from different banks and different countries within one application.

Hal E-Bank suite consists of products for different client’s needs:

 

  • Hal E-Bank/WEBRetail, based on WEB technology, covers specific needs of retail clients.
  • Client Hal E-Bank programs cover needs of SMEs, medium and large corporations. There are two versions available:
    • single user version Hal E-Bank/Personal and
    • multi-user version Hal E-Bank/Corporate.
  • Hal E-Bank/B2B, which is Hal E-Bank/Corporate enhanced by Straight through Processing (STP) approach, covers needs of larger and more advanced corporate users with enhanced ERP systems.
  • Hal E-Bank/WEBCorporate is a supplementary solution used by corporate users for reviewing data and remote signing of payments/batches prepared in a client Hal E-Bank program elsewhere.
  • Hal E-Bank/SMS is based on GSM terminals and network and used by corporate and retail users mainly to receive information on important events on their accounts promptly.

 

Features and competitive advantages

Banks and users emphasize the following Hal E-Bank’s key features and competitive advantages:

 

  • Multi-banking
    • One solution and one smart card for all banks on all markets
  • Three different payment system channels
    • Domestic payments related to domestic currency account with the parent bank
    • International payments related to foreign currency account with the parent bank (including foreign exchange payments)
    • International Cash Management payments (ICM) related to an account with partner bank of the parent bank
  • Full payment system functionality
    • Payments
      • Preparation
      • Verification
      • Authorization
      • Archiving
    • Statements
    • Transactions (interim)
    • Balances
  • Other banking products available
    • Any (deposits, credit and debit cards, loans, cash withdrawal…)
    • Flexible for a bank
    • Bank specifics and differentiation
    • Based on the most advanced XML technology

 

 

  • Complex signature structure support
    • Individual signature of payments or
    • Collective signature (up to 3 left and up to 3 right signatures) of payment batches
    • Locally or remotely
  • Sophisticated file exchange support
    • Any file (salary payments, direct debit specification…)
    • File verifier for each file type
    • Digital signature
  • Different communication channels
    • Internet
    • Dial-up/Leased line
    • SMS network
  • Hal E-Bank maintains a high level of customer satisfaction through the years with:
    • User interfaces that provide paper “look and feel”
    • The highest level of security based on PKI technology on smart cards
    • High stability, availability and throughput
    • Possibility to exchange information with client’s ERP systems

 


Hal E-Bank/Personal

Who is Hal E-Bank/Personal intended for?

Hal E-Bank/Personal is a single user version intended for small and medium enterprises (SMEs) and private users.

Solution’s basic functionalities:

On all accounts for which he or she is authorized a user can:

 

  • Review balances and transactions
  • Prepare, authorize and send payment orders (individually or in batches) to a bank
  • Conduct domestic payments, international payments and international cash management payments (ICM)
  • Prepare payment orders with future value date
  • Cancel payment orders and make reclamations
  • Access the register of beneficiaries and banks
  • Review payment orders in archive of sent payment orders
  • Print a list of payment orders or individual payments
  • Exchange information with a bank

 


Hal E-Bank/Corporate

Who is Hal E-Bank/Corporate intended for?

Hal E-Bank/Corporate is intended for organizations where several persons are responsible and authorized for working with electronic bank. In this case a multi-user e-banking solution is needed. Hal E-Bank/Corporate is accessible at all workstations within the organization that need an access to e-banking data and functions.

Hal E-Bank/Corporate is also very suitable for accounting companies that conduct and survey transactions on their accounts on behalf of their customers. Hal E-Bank/Corporate enables them to work with different accounts of their customers from a single application.

Solution’s basic functionalities:

On all accounts for which he or she is authorized a user can:

  • Review balances and transactions (individually or aggregated regarding to selected criteria)
  • Manage accounts at different banks and in various countries with one solution and one digital certificate
  • Prepare, verify and/or authorized payment orders or batches (up to six different signers possible)
  • Send payment orders (individually or in batches) to a bank
  • Conduct domestic payments, international payments and international cash management payments (ICM)
  • Prepare payment orders with future value date
  • Cancel payment orders and make reclamations
  • Send files to a bank (e.g. for salaries, VAT payments …)
  • Exchange files with payment information with client’s accounting systems (e.g. for import of payment orders, export of balances, statements and transactions…)
  • Send payment orders/batches to remote authorization – if a user has license only to prepare payment orders/batches and not also to sign them, he or she is able to send them to remote authorization to other persons
  • Review payment orders in an archive of sent payment orders
  • Print a list of payment orders or individual payments
  • Exchange information with a bank

Hal E-Bank/B2B

Who is Hal E-Ban/B2B intended for?

Hal E-Bank/B2B is intended for companies and organizations with large amount of transactions and/or for advanced companies that want to manage their liquidity efficiently during the day. Hal E-Bank/B2B is the most sophisticated e-banking solution that automates payment execution and reconciliation according to the so-called STP principles (Straight through Processing).

Solution’s basic functionalities:

Hal E-Bank/B2B is the next generation of Hal E-Bank/Corporate. This solution is a response to needs of modern companies and their finance departments. Hal E-Bank/B2B includes all basic functions of Hal E-Bank/Corporate. Furthermore, it enables automatic exchange of documents between a company’s ERP system on one side and bank’s information system on the other side. In other words, payment orders that are prepared, verified and authorized by company’s information systems (e.g. SAP, NAVISION, …) proceed straight to the bank and vice versa, all changes on the company’s bank accounts are automatically seen also in the company’s information system.

Benefits of using Hal E-Bank/B2B:
  • Automatic data refreshing
    The user receives data into his e-bank as soon as they are available at the bank.
  • Automatic data import/export
    Hal E-Bank/B2B automatically exports data from the bank (e.g. statements) and exchanges data with the ERP system (e.g. payment orders, e-invoices, SDD orders), which minimises user's manual work.
  • Error reduction
    There is no manual import or export from the e-bank (payment orders, bank statements, NPI files, e-invoices etc.) so there is less possibility for errors (e.g. incorrect selection of the current account when importing orders or e-invoices into the e-bank).
  • Up-to-date data in the e-bank
    Hal E-Bank/B2B enables you to receive bank data and process them in back-end systems until the beginning of the work day. These data are available as soon as they are available at the bank.
  • Automated signing of e-invoices
    Hal E-Bank/B2B enables automated signing of e-invoices.
  • Gradual automation
    Functionalities of import/export, automated signing and automated refreshing can be incorporated gradually.

Hal E-Bank/Web Retail

Who is Hal E-Bank/WEB Retail intended for?

Hal E-Bank/WEB Retail is an online solution of electronic banking, intended for personal use enabling users to work with personal bank accounts and bank accounts for which they are authorized.

Security

There are three possible ways to login to Hal E-Bank/Web Retail: with a username and password, with a soft certificate on a passive USB key or with a certificate on an active smart card. A digital certificate on a smart card offers the highest level of security and full functionality. On the other hand, with username and password functionality of e-bank is limited – users are able to pay only to the predefined beneficiaries. The predefined beneficiaries are divided into two groups: the first group is represented by “trusted” beneficiaries (e.g. telecommunication companies, electricity suppliers etc.) that are registered by a bank for all users, while the second group is composed of private beneficiaries.

Solution’s basic functionalities:

On all accounts for which he or she is authorized a user can:

  • Review balances and transactions
  • Prepare, authorize and send payment orders to a bank
  • Conduct domestic payments and international payments
  • Prepare payment orders with future value date
  • Save payment orders in register of payment orders with intention to use them as a template for a new payment
  • Make a request for cancellation of payment orders
  • Conduct payments directly from register of beneficiaries
    • Review payment orders in the archive of sent payment orders (payment orders in archive can be also used for new payments)
  • Review check and credit cards payments
    • Print a list of payment orders or individual payments
    • Buy/sell foreign currencies
    • Trade on stock exchanges, invest in (mutual) funds and manage his/her investment portfolio
    • Review and manage saving books and deposits
    • Review loans and leasing arrangements
    • Send a request for higher limits (accounts, credit cards, ATM withdrawal, etc.), for issuing/ blocking/ unblocking checks, credit cards and debit cards, for Western Union money transfers, for a loan documentation, for mobile services (managing accounts through a mobile phone)

Hal E-Bank/Web Corporate

Who is Hal E-Bank/WEB Corporate intended for?

Hal E-Bank/WEB Corporate is an online solution for electronic banking, intended for corporations and organizations for reviews and – in connection with Hal E-Bank/Personal or Hal E-Bank/Corporate – for remote authorization.
Hal E-Bank/WEB Corporate is a natural choice for companies that have their departments/ units placed in different locations. From this point of view the product can be very attractive also for multinational companies – with this solution a parent company is able to easily survey transactions of its daughter companies abroad.

Solution’s basic functionalities:

On all accounts for which he or she is authorized a user can:

  • Review balances and transactions
  • Authorize payment orders that were sent to remote authorization
  • Review payment orders in the archive of sent payment orders
  • Print a list of payment orders or individual payments

Hal E-Bank/SMS

Who is Hal E-Bank/SMS intended for?

Hal E-Bank/SMS is intended for banks’ clients (retail or corporate) that would like to access their accounts through their mobile phones. Hal E-Bank/SMS provides a range of mobile services, allowing clients to make financial decisions even while they are on the move, regardless of their current location.

Solution’s basic functionalities:

On all accounts for which he or she is authorized a user can:

  • Pay predefined payments that are registered by the user
  • Pay to predefined public beneficiaries (e.g. telecommunication companies, electricity suppliers etc.) that are registered by a bank for all users
  • Automatically receive information about balance
    • Every day at specific time
    • Debit/credit bigger than specific amount
    • Balance bigger/smaller than specific amount
  • Send a request for
    • Account balance
    • Overview of the last interim transaction

Hal E-Bank/Cash Management

Who is Hal E-Bank/Cash Management intended for?

Hal E-Bank/Cash Management is intended for corporations with their subsidiaries or accounts in different countries. This solution offers them a more efficient way of managing funds on all theirs accounts.

Solution’s basic functionalities:

With International Cash Management (ICM) a bank gives its clients an ability to manage international accounts in other banks by using SWIFT network. Bank clients exchange payment documents (SWIFT messages) with other account holding banks. Providing ICM channel to its clients, a bank is able to offer complex fee based products, such as:

  • Account Integration
  • Account Aggregation
  • Notional Cash Pooling (Domestic and Cross Border)
  • Cash Concentration (Domestic and Cross Border)
  • Zero Balancing
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