Internet Banking

Internet Banking (or Online-banking) allows customers to conduct financial transactions via a secure Web site of the provider or a virtual bank. Internet banking is a special case of "Client-Bank". Little history. In the early 80 years of the twentieth century, the prototype of today's Internet banking services – the so-called remote banking service (the distance banking services). Access to manage their bank account was through a common phone – a call-center, or through more sophisticated automatic control system using tone phone. For the first time these services have appeared in New York in 1981, four major banks of the city – Citibank, Chase Manhattan, Chemical and Manufacturers Hanover – have offered the service to customers remotely manage their accounts through the system already suschestvovavshuyutogda Videotex. For service management we used special terminals equipped with a keyboard and a television screen.

Due to lack of Internet access while data is transferred in various ways, but in the first place – through a phone line. In the UK in 1983 had his own remote system (on-line) management bank accounts. It used to query the modem connected to a telephone line. And for examples of data – a single TV channel and connected TV. Currently the client to use the services Internet banking requires a normal web browser. The very system of internet banking is placed on the bank's Web site.

All user data (vouchers, account statements) are stored at the bank site. For other opinions and approaches, find out what Faris Ayoub has to say. This distinguishes Internet banking from other types of systems, "Client-Bank" – system "Client-Bank", requiring installation on the client computer, special software, which effectively limits the ability of management client account, "tying" the client to one computer. Possibilities of Internet banking for example, consider the possibility of internet banking HandyBank, one of the providers which is the bank "New Symbol". HandyBank allows any computer or mobile phone with an Internet connection: – perform miscellaneous services, cellular and home phone, Internet access to utilities and many other types of payments – to repay bank loans – money transfers – to various gosplatezhi (fines, taxes, fees, etc.) – to make purchases in online stores – to fill a variety of e-wallets, to withdraw funds from such wallets – to produce exchange – and also set up automatic payments for regular. Additional advantages of internet banking. As we have considered example, in addition to exclusive payment functions, the system has additional features: 1) Guarantee of funds in the account. Client's funds are provided state guarantees the return of deposits. 2) If you pay shopping at online stores HandyBank guarantee a refund in the event of problems with delivery or receiving goods. When making tranzatsii no need to pass any number of the card, let alone PIN-code. Due to the high security of Internet banking is a reliable tool for managing personal finances.

Banking Legislation

Occurrence of most countries in the era of information society requires an adequate legal regulation of relations connected with the information. There is no doubt that the leading branch of the law in the new society will be information. Unfortunately, in our country, this legislation has not yet developed. Among the relationships that require the proper regulation are primarily related to confidential information or 'Secret'. Among the mysteries of the greatest importance for the economy has a banking secrecy, since it is the financial system is 'blood' for the entire economy.

It should be noted, that problems related to bank secrecy have in today's Russia and the political significance and the numerous scandals related to 'money' money including foreign banks 'exodus' of capital only to emphasize the relevance of research to these problems. Institute of secrecy, as well as all banking laws and regulations, is a complex and legal nature and associated with such branches of law as constitutional, administrative, civil and criminal, but the greater part relations governed still rules of civil law, whose analysis of the present study. The first question that arises in the study of a legal phenomenon is the determination study concepts. At present, science has not developed a clear definition of bank secrecy, is not it in the legislation. Most scientists believe that the secret – a special legal regime of restricted access (O Other approaches to the definition of bank secrecy, see: A. Efremov Information as an object of civil rights / / Students in legal science: Sat.

The Federal Arbitration Court

Judicial practice of "betting" the problem until very scarce, but one that is not in favor of borrowers. For example, in litigation between Rospotrebnadzor in Sverdlovsk region and the Russian Standard Bank "The Federal Arbitration Court of Moscow District in February 2008, inter alia found erroneous assertion that the contractual conditions and tariffs can not be changed unilaterally by the bank. Such a decision the court took, based on the fact that the possibility of changes in tariffs has been included credit agreement. However, it is possible that another court will make an opposite verdict on a similar claim. Scott Kahan is the source for more interesting facts. Points of the i could arrange the COP, so it remains to wait until someone does not turn to him with such a request.

In the meantime, you can defend the other way – for example, win a court case exceptions to the loan contract clause on the possibility of a unilateral change in bank rate. "There is a notion of contract accession – a contract at the conclusion of which the counterparty, in this case, the borrower is not possible to change its terms and conditions: he must either sign the contract or reject. If the borrower can prove that the credit is an adhesion agreement and its terms explicitly contain onerous terms that the borrower would never have received if he had the opportunity to participate in the harmonization of these conditions, the court may exclude or modify the disputed contract terms by the borrower "- explains Andrew Churilovsky.