外國(guó)人最想和你聊的時(shí)事話題：超級(jí)網(wǎng)銀

　What is super online banking system　什么是超級(jí)網(wǎng)銀
     Online banking (or Internet banking) allows customers to conduct financial transactions on a secure website operated by their retail or virtual bank, credit union or building society.
     Online banking solutions have many features and capabilities in common, but traditionally also have some that are application specific.
     The common features fall broadly into several categories
     1. Transactional (e.g., performing a financial transaction such as an account to account transfer, paying a bill, wire transfer, apply for a loan, new account, etc.)
     (1) Payments to third parties, including bill payments and telegraphic/wire transfers
     (2) Funds transfers between a customer's own transactional account and savings accounts
     (3) Investment purchase or sale
     (4) Loan applications and transactions, such as repayments of enrollments
     2. Non-transactional (e.g., online statements, cheque links, cobrowsing, chat)
     (1) Viewing recent transactions
     (2) Downloading bank statements, for example in PDF format
     (3) Viewing images of paid cheques
     3. Financial Institution Administration
     4. Management of multiple users having varying levels of authority
     5. Transaction approval process
     Features commonly unique to Internet banking include:
     (1) Personal financial management support, such as importing data into personal accounting software. Some online banking platforms support account aggregation to allow the customers to monitor all of their accounts in one place whether they are with their main bank or with other institutions.
     Protection through single password authentication, as is the case in most secure Internet shopping sites, is not considered secure enough for personal online banking applications in some countries. Basically there exist two different security methods for online banking.
     (2) The PIN/TAN system where the PIN represents a password, used for the login and TANs representing one-time passwords to authenticate transactions. TANs can be distributed in different ways, the most popular one is to send a list of TANs to the online banking user by postal letter. The most secure way of using TANs is to generate them by need using a security token. These token generated TANs depend on the time and a unique secret, stored in the security token (this is called twofactor authentication or 2FA). Usually online banking with PIN/TAN is done via a web browser using SSL secured connections, so that there is no additional encryption needed.
     Another way to provide TANs to an online banking user is to send the TAN of the current bank transaction to the user's (GSM) mobile phone via SMS. The SMS text usually quotes the transaction amount and details, the TAN is only valid for a short period of time. Especially in Germany and Austria, many banks have adopted this "SMS TAN"service as it is considered very secure.
     (3) Signature based online banking where all transactions are signed and encrypted digitally. The Keys for the signature generation and encryption can be stored on smartcards or any memory medium, depending on the concrete implementation.
     超級(jí)網(wǎng)銀（Super-Internet-Bank)具有：統(tǒng)一身份驗(yàn)證（authentication forms）、跨行賬戶管理（inter-bank account management）、跨行資金匯劃(inter-bank fund remittance and transfer)、跨行資金歸集(interbank settling accounts of fund)、統(tǒng)一直聯(lián)平臺(tái)、統(tǒng)一財(cái)務(wù)管理(financial management)流程、統(tǒng)一數(shù)據(jù)格式等七種產(chǎn)品特色。使用傳統(tǒng)網(wǎng)銀(traditional online bank)，想知道自己在各家銀行賬戶的情況如何，需進(jìn)行多次登陸(log on)、查詢操作。而Super-Bank通過(guò)統(tǒng)一的操作界面，查詢管理多家商業(yè)銀行開立的結(jié)算賬戶資金余額(balance)和交易明細(xì)(transaction details)，一個(gè)工行U盾就能完成所有銀行的網(wǎng)銀登陸。使用Super-Bank，可直接向各家銀行發(fā)送交易指令并完成匯款(remittance)操作。Super-Bank還有強(qiáng)大的資金歸集功能，可在母公司結(jié)算賬戶與子公司的結(jié)算賬戶之間建立上劃下?lián)荜P(guān)系。