The RAMAX INTERNATIONAL experts have developed the iNetBank software, which completely meets the main requirements to the Internet-banking applications and gives perspectives of rendering many bank services in the Internet. Actually, iNetBank is a virtual branch of a bank, where you can: obtain statements on accounts' status, transfer money, pay for municipal services or get currency exchange rates 24 hours a day 7 days a week. The original motto of the system is the universal mobility principle, which means your ability to administer your funds from any place of the world, where you can get a computer with an access to the Internet, or telephone supporting WAP-protocol.
As for today the iNetBank system includes several interconnected tasks, which in practice are implemented in different ways depending on a type of data link between a Bank and a client (Internet / WAP), and a spectrum of rendered services (subscribers payments against fixed properties / payments against arbitrary properties).

The iNetBank system structuring
According to above, the access to the iNetBank system can be obtained from any device equipped with Web or WAP-browser, and access to the Internet global network. It can be a traditional desktop PC or notebook, personal digital assistant (PDA) or cellular phone with WAP-protocol. The system is made under the three-level structuring - "thin" client (browser), server of the application and server of DBMS in bank.
The client part of the system consists of the standard Internet-browser or WAP-browser; thus client does not have to install any special client software. The authentification hardware is also not used: not being absolutely reliable it considerably reduces clients' mobility while increasing operating costs. Advantages of such a solution are obvious: a client is able to enter the system from any device regardless whether it is supplied with additional software or not. Another advantage is that a bank does not have to arrange client's software support (complexity of this task and costs related to its practical implementation are growing considerably when a number of clients grows).
The communication part of iNetBank consists of the Web-server Apache and DB ZOPE. The ZOPE applications server works under the Linux operating system. Naturally, ZOPE is a resource for dynamic construction and processing of html-documents, where the tag-programming technology is broadly used. Besides that, the Java programming language was used for iNetBank development. Utilization of advanced technologies has provided a high degree of the NetBank system reliability and safety during on-line operations with users' accounts.

System opportunities
A wide range of services can be rendered on the basis of on-line iNetBank system:

• Accounts status functions.
• Payments.
• Currency Conversion.
• Deposit accounts.
• Credit cards operations.
• Electronic commerce.
• Search in the banks' directory.
• Search in the exchange rate directory.
• Communication functions.

Naturally, the work with the iNetBank system begins with user's identification and authentification procedures. The information safety system implemented in the iNetBank is based upon a multilevel protection principle, e.g. mere reviewing of exchange rates requires one level, however, transferring funds requires a different level - much more protected one. Safety System levels and safety resources are described below in more detail.

Safety
iNetBank system is based on the latest achievements in a safe storage and transfer of data:

• SSL technology - a standard solution of safety in the global Internet network, which is based on cryptography 128-bit algorithm RSA;
• the mechanism of the unique digital certificate (СА);
• the multilevel architecture;
• the mechanism of the one time passwords (OTP).