Mobile banking

Software complex “Mobile Bank for Individuals” (hereinafter referred to as PC “MBF”) - is intended for remote receipt of banking services by bank clients - individuals via mobile phones. In the MBF PC, the client has the opportunity to manage and monitor the movement of his accounts around the clock, and also has the opportunity to receive information about his loans and deposits. Advantages Bank corporate design PC "MBF" is a premium product. Premium software products for remote customer service are custom-made and differ from other products in their broader functionality, flexible multilingual user interface, individually adapted for each bank, based on the bank’s own corporate design. If desired, the bank can give its corporate name to the product. The bank's presence of remote customer service systems with its own corporate design and name distinguishes it favorably from banks that do not have such systems, emphasizing the prestige and impeccable authority of this bank. Multilingual user interface Client modules of the MBF PC have a multilingual user interface. The client can independently choose the interface language that is convenient for him at any time. Currently supported are Russian, Uzbek Cyrillic, Uzbek Latin and English languages. For the client:

• The ability to remotely manage your accounts: monitoring transactions with your accounts in real time from anywhere in the world;
• Transparency of transactions with accounts: the client can receive statements of his accounts at any time, which guarantees transparency for the client of transactions with his accounts;
• Efficiency: PC "MBF" allows the client to carry out banking transactions and receive operational information about the movement of accounts in real time.
• Mobility: the client has the opportunity to pay for the services of mobile operators, utilities and other services, regardless of his location.
• Simplicity and ease of use:The user interface of the MBF PC is easy to use, user actions will lead to an intuitive result. The presence of context-sensitive hints makes it easier for users.

For the bank:

• Reducing operating costs: PC “MBF” as a customer self-service system allows the bank to minimize operating costs for banking transactions;
• Increasing the liquidity of services: Using the MBF PC allows the bank to increase the number of transactions per employee, which increases the liquidity of banking services.
• Attractiveness for clients: PC "MBF" allows the client to manage their accounts from anywhere in the world, ensures transparency of transactions with client accounts, which increases the attractiveness of the bank.

Functionality:

• Money transfer between client accounts;
• Payment of utility bills;
• Payment of taxes and other payments to the budget;
• Payments to the accounts of budgetary organizations (payment of contracts for studies, to preschool institutions, etc.);
• Other payments configured using transaction templates;
• Top up your mobile phone balance (for operators with whom the bank has an agreement);
• Payment for the services of Internet providers with whom the bank has an agreement;
• View your account statement;
• Obtaining information on loans and repaying the loan;
• Obtaining information on deposits;
• Obtaining information on plastic cards;
• Receive information about exchange rates, bank announcements and newsletters.
• The presence of an interface for interaction with UzPaynet provides the ability to pay for services available in the UzPaynet system.

Information security

• Use of one-time (session) passwords;
• Transfer of session passwords via SMS;
• There is a function for generating one-time passwords for subsequent use by the client to access the system. One-time passwords are generated by employees of the bank's front office.
• The MBF PC client module connects to the MBF PC application server through a security system. Data exchange between the client module and the application server is carried out by creating an information “tunnel” (secure communication protocol).

Ease of use PC "MBF" provides a simple, friendly and intuitive user interface. The simplicity of the user interface is clearly demonstrated by the following fragment of instructions for executingnew payment in the PC “MBF” system