Business Internet Banking

Transcription

Business Internet
Banking
user guide
COMMERCIAL BANKING
Business Internet Banking / USER GUIDE
1
Table of Contents
Dear Customer,
I. Introduction
4
II. Features, Functionalities and Benefits of BIB
4
with us from anywhere at anytime. You will enjoy a lot of benefits including the advantage
III. Key concepts of BIB.
5
of saving 25% of transaction charges when you choose to bank with us through BIB.
a.Accounts Accessible on BIB
5
b.Primary Users and Secondary users
6
step guide on how to set up and start banking with us online. We hope this guide will be
c.Daily Transaction Limits
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of great help to allow you unleash the advantages of BIB by optimizing it to match the
d.Admin Control - Single Authorisation and Dual Authorisation
7
key policies and procedures within your company.
e.Account Control: Signature Groups and Transaction Authorisation matrix
8
Thank you for choosing Business Internet Banking (BIB) from HSBC to conduct your
business banking online. BIB is a safe and a secure service that will allow you to bank
In this user guide, you will find useful information on BIB, new features and a step by
IV. Getting Started
11
more than happy to assist you, please call us on 800 4525 (from within UAE) or +971800
a.Online Registration 11
4525 (from outside UAE) or visit us at www.hsbc.ae.
b.First time Logon
15
In case you need any help or additional information on BIB, our dedicated helpline will be
Should you have any comments or feedback on this guide or BIB, please feel free to let
us know.
Best Regards,
HSBC Bank Middle East Limited
2
V. Mandatory Steps for Primary Users
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a.Change Signature Group
19
b.Account Control 20
VI. Secondary Users
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a.Create Secondary Users
23
b.Delete existing Secondary user
26
c.Modify profile of existing Secondary user
28
VII.Authorisation (for Dual Admin control only)
35
a.Authorisation for Adding, Deleting or Amending Secondary user
35
b.Authorisation for Financial Transactions
39
3
I. Introduction
Business Internet Banking is designed to offer you more control of your finances and
an easy way of managing your business banking accounts from anywhere in the world.
Business Internet Banking combines the speed, ease and convenience of conducting
your business transactions online with powerful security, giving you peace of mind.
Supported Operating Systems/ Browser Versions
Operating System
Browser
Windows 98
IE 5.5 (SP2)
Windows 2000 (SP4)
IE 5.01 (SP4)
Windows XP (SP2)
IE 6.0 (SP2)
Windows XP (SP2)
Firefox 1.0.1
Windows XP (SP2)
Netscape 7.2
MAC OSX
Firefox 1.01
MAC OSX
Netscape 7.2
II. Features, Functionalities and Benefits of BIB
Business Internet Banking offers convenience and enhanced services that are
simple and straightforward to use, providing you with more functionality to
conduct your banking transactions.
Here are some of the features you will enjoy while using the service:
• Online enquiry: Online information about all your accounts and
transactions. You can also get rate information on Foreign exchange and
Term deposits. This includes search functionality, by which you can search
transactions up to 90 days old
• Placement of Term Deposits: You can place Term Deposits online using
real time information on account balances
• Transfer between HSBC UAE accounts: Immediate fund transfer
between your own accounts or to any third party accounts within HSBC
branches in the UAE
• Overseas and local Payments: Telegraphic Transfers and Demand Drafts
for overseas and local payments. (Enjoy 25% discount for Telegraphic
transfers as compared to over-the-counter transactions). Demand Drafts
can be delivered to the beneficiary in the address (whether local or
international) provided by you
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• Cashier’s Orders for local payments: Delivered to the beneficiary or to any HSBC branch of your choice
• Utility Bill Payments: Allows you to pay all your utility bills online
• Standing Instructions: You can set up regular standing instruction for your
regular payments in a easy and flexible manner
• Payment templates: You don’t have to re-enter information on your regular
payments every time. You can choose to save your payment details as
a template and retrieve it any time to make your payment with minimum clicks
• Statement Information Download: This allows you to download and save
your statement info in a variety of formats including common spread
sheets and text
• Security: We offer you the benefits of two factor authentication using a
combination of ‘One time password’ tokens and security questions
• Add Users: You can add new users and assign user rights to them by
yourself without approaching the bank. (See section on Key Concepts)
• Dual Authorisation: You can control any changes by implementing dual
authorisation, and eliminate any unauthorised access or change
(See section on Key Concepts)
• Payment Authorisation Matrix: You can define payment authorisation
rights and limits based on amounts and who makes the payment by
choosing any of the authorisation matrix we provide (See section on
Key Concepts)
III. Key concepts of BIB.
To understand the opportunities in using BIB as well as its flexibility, it is
important to understand the following key concepts of BIB.
a.
Accounts Accessible on BIB
A company can specify the list of its accounts that it wants to access BIB.
For example if a company has three accounts-A, B & C, it can specify that it
only wants to access A & B through BIB. In this case account C cannot be
viewed or accessed through BIB.
When a company chooses to access its accounts through BIB, all these
chosen accounts would be seen by all the Primary users of the company. In
the example given above, account A and B would be seen by all Primary users
of the company.
The company has the right to specify the accounts to be made available
through BIB at the time of registration. It can also change the list of accounts
(add or delete any account) any time after registration by applying in the
specified form at the branch.
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b.Primary Users and Secondary users
There are two types of users in Business Internet Banking – Primary and Secondary.
Primary Users have the highest authority levels. The authorised signatories of
the company define the authority of the Primary user at the time of enrolling
for the service. Primary user/s in turn have the authority to create Secondary
user/s with specific access rights and limits. Whether one Primary user can
create a Secondary user by himself, or whether the creation of a Secondary
user needs to be approved by another Primary user (dual authorisation- for
better control) can be specified by the company at the time of registration for
BIB (See section d. Admin control, page 7).
The company can also set daily transaction limits for each primary user for
each type of payment. There are three types of payment- Transfer to third
parties, Transfer to own account and Bill Payments.
There can be multiple primary and secondary users. The following table gives
you an overview of the differences between primary and secondary users:
There are three type of payments that can be made through BIB. These three
types are Transfer to third parties, Transfer to own account and Bill Payments. A
daily transaction limit can be set on each type of payment, and these limits can be
set on a three level hierarchy.
The three levels hierarchy of daily transaction limits.
a.Corporate Transaction limit: This defines the maximum amount that the
company allows to be paid daily for each type of transaction. This is
specified in the application form at the time of registration. Should the
company need to amend this limit (increase or decrease) any time later, it
can done so by applying in the specified form at the branch.
b.Daily Transactions limit for Primary users: This defines the maximum
daily amount that each primary user is allowed to use, for each type of
transaction. This is a subset of the corporate limit. Primary users can
make transactions only within this limit, the total of all primary users should
be within the corporate limit. Should the company need to increase this limit any time later, it can done so by applying in the specified form at the branch, however this limit cannot exceed the company daily limit. PU’s can decrease the limit anytime online.
c. Daily Transaction limit for Secondary Users: These daily transaction
limits are assigned by the Primary user. This is a subset of the daily
transaction limit of the Primary user. The secondary user cannot exceed the
limit set by the Primary user, and the total of transactions done by all users
cannot exceed the daily transaction limit of that Company. Should there
be any need to amend this limit (increase or decrease) for Secondary user
any time later, it can done so by the Primary user himself or by a
combination of two Primary users (see section d. on Dual Admin Control) without approaching the bank.
Primary User
Secondary
User
Create / Authorise New User – (including defining
transaction limits)
✓
✕
Assign / modify / Authorise Account Control (including
authorisation limits per signature group per account)
✓
✕
Modify / Authorise modification of existing User profile
(including modifying transactions limits)
✓
✕
View Activity Log of all users
✓
Optional
View Account Balance and transaction History
✓
✓
d. Admin Control -Single Authorisation and Dual Authorisation
Pay / Authorise Bill Payments
✓
✓
Make / Authorise Transfer transactions
✓
✓
Admin Control is only applicable to Primary Users for managing all administrative
entitlements. The company can choose from two type of Admin control
Rate enquiry
✓
✓
Statement and Advices
✓
✓
View Activity log (self)
✓
✓
View profile (self including Transaction Limits, Signature
Groups etc)
✓
✓
Apply for Business Telephone banking
✓
✕
Services
Administrative Entitlements
Non Administrative Entitlements
✓ - Available, ✕ – Not Available
* All services above are available to the user only if these services are applied for.
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c. Daily Transaction Limits
a.Single Admin Control
Only one Primary User is required to create a Secondary user or to make a
change in the administrative entitlements available to the secondary users.
E.g.: One Primary User creates a new Secondary User, then this Secondary
User is created in the system immediately without any need for a second
Primary User to authorise the new user creation.
Similarly if the limit of an existing Secondary user is modified by one Primary User, the modified limit of the user will come into effect Business Internet Banking / USER GUIDE
7
immediately without requiring any authorisation by a second Primary User.
The following example shows how the Signature Groups can be used:
If at a late date the company wishes to change to ‘Dual Admin’, it can do so by
applying in the specified form at the branches.
Assume Company ‘X’ has 4 users with the following limits for transfer
transactions:
b.Dual Admin Control
Two Primary Users are required to create a Secondary user or to make a
change in the administrative entitlements available to Secondary users.
E.g.: One Primary User creates a new Secondary User, however the
Secondary User is created in the system only after the second Primary
User authorises the creation.
Similarly if the limit of an existing Secondary user is modified by one Primary User, the modified limit of the user will come into effect only after
this change is authorised by a second Primary User.
Step 1 – Assign Signature Groups and Limits to each user
User
Signature Group
Inter A/c Transfer Limit
Michael
A
AED 100,000
Paul
A
AED 200,000
Luke
B
AED 300,000
Mark
B
AED 400,000
Once a customer chooses ‘Dual Admin’, this customer will not be allowed to
revert back to ‘Single Admin’ at a later stage.
e. Account Control :Signature Groups and Transaction Authorisation matrix
A user can be classified into three signatory classification, namely A, B and I.
These three signatory classification can in turn be divided into two signature
groups, based on their privileges.
• Signature group A and B would have ‘Transaction and View’ rights.
• Signature Group I would have ‘ Input and View’ rights only, and no
transaction rights. They can however create a transaction, which then
needs to be authorised by a user from ‘Signature Group A’ or ‘Signature
Group B’ (depending on the Account Control set up for your company).
Once the users are classified into A, B or I, the company can choose from the
following authorisation matrix. There are 3 types of Authorisation Matrices.
Step 2 – Assume the following Account Control (Dual Two Group) is set up for
Account ‘1’
All Transaction Limits
(other than Linked a/c
Transfers & Deposits)
(AED)
Signature Group
Linked a/c
Transfers & Deposits
(AED)
AED 100,000
A
AED 100,000
AED 300,000
B
AED 300,000
AED 400,000
AB
AED 400,000
AED 200,000
AA
AED 200,000
AED 400,000
BB
AED 400,000
• Simple Authorisation Matrix: Any One User (from Group A or Group B)
individually can authorise a financial Transaction. E.g. A, B
• Dual One Group Authorisation Matrix: Users, either individually or jointly,
from Group A only can authorise the transaction. E.g. A, A+A.
• Dual Two Group Authorisation Matrix: Users, either individually or jointly,
from Group A and/or Group B can authorise the transaction. E.g. A, B, A+A,
B+B, A+B.
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Based on the above example any transaction in this account will need to adhere
to the above set rules. A few transaction scenarios are given below:
Transaction
Amount (AED)
Signature
Group
User
Comments
AED 100,000
1.A
1.Michael/Paul
2.B
2.Luke/Mark
Any user can individually do this
transaction.
1.B
1.Luke/Mark
2.AB
2. Paul & Luke/ or
Paul & Mark
3.AA
3. N/A
N.A.
N.A.
AED 150,000
AED 550,000
Since Michael›s daily limit is
100,000 he will not be able to
authorise a transaction above his
daily limit.
None of the user limits are
high enough to authorise this
transaction. Further no Signature
Group is defined to approve a
transaction higher than
AED. 400.000. This transaction
will not be completed.
IV. Getting Started
All users need three components to be able to register for BIB. They are
a) Tokens.
b)Personal Identification Number (PIN/Password).
c) Electronic Banking Number (EBN).
The above three components will be distributed to you in the following way
i) For Primary user: Token will be delivered from the branch at the time
of application. PIN/ Password and EBN number will be delivered to you by Post at the registered address of the company.
ii) For Secondary user: The PIN/Password will be send to you by the bank
in the registered address of the company. Once you receive your PIN/
Password you can collect your token and EBN from the Primary user.
Once you get all three components you will have to do a one time registration
online, before you can log on.
a. Online Registration
This is a one time process to be completed before the first log-on.
1. Go to www.hsbc.ae and click on the Register button at the top of the page.
Please note: For all types of financial transactions (including future dated transactions) the User Daily
Limit is reduced by the transaction amount immediately.
Tips for matrix set-up:
• The transaction limit set-up for Signature Group ‘A’ must be lower than the
limit for ‘A+B’ and ‘A+A’.
• The transaction limit set-up for Signature Group ‘B’ must be lower than the
limit for ‘A+B’ and ‘B+B’.
• There is no hierarchy between the Signature Groups ‘A’ and ‘B’, and the
transaction limit set-up for Signature
• Group ‘A’ can be higher than the limit for ‘B’ or vice versa
10 Business Internet Banking / USER GUIDE
Business Internet Banking / USER GUIDE 11
2. Select “Business Internet Banking” and enter your Business Internet Banking
ID/ Electronic Banking Number (EBN) and the PIN/ Password provided by the Bank.
3. Enter a new user name (The user name that you have chosen here will be
your permanent Internet Banking ID, which you need to remember each time you
log-on Internet Banking)
4. Select a memorable question and answer (The memorable answer you have
created here will be asked each time you log-on to Internet Banking)
5. Set-up Security questions and answers. (This information will help you to re-set
your log-on credentials, if you have forgotten your log-on credentials at a later date).
This completes the one-time registration process for first-time users.
6. Read and Accept the Terms & Conditions
b. First time Logon
1.Click on the LOGON Button
2.Enter your user name / Internet Banking ID - Created by you during the registration (Ref. page 13 section 3)
4. Enter 10-digit serial number that is located on the back of your
security token and the 6-digit security code generated from your token.
3. Enter the answer to your memorable question (Ref. page 13 section 4).
5. This completes the Logon process and you will now have entered your
Business Internet Banking Session.
V. Mandatory Steps for Primary Users
After the first logon, Primary Users must complete the following two steps:
a.Change Signature Group
By default, all Primary Users are defaulted to Signature Group ‘I’. Any
Primary User can update Signature Group of any user to ‘A’ or ‘B’, as
required.
b. Account Control
In order to transact on Business Internet Banking, a Primary User will have to
perform ‘Account control’ under the ‘Access & Security’ menu, to set up the
necessary limits (by signature group and account).
Dual One Group Authorisation Matrix: Users, either individually or jointly, from
Group A only can authorise the transaction. E.g. A, A+A
• ‘Account Control’ will only need to be done one time. If ‘Single Admin
Control’ has been selected, only one Primary user will have to set up the
‘Account Control’.
• In the case of Dual Admin, one Primary User has to set up ‘Account
Control’ and the other Primary User has to approve.
• ‘Account Control’ will only need to be used again if there are new accounts
added.
Depending on the Authorisation matrix (set by the Bank, based on the application
form submitted) the relevant Signature Groups will be shown in the Account
Control Screen.
There are 3 types of Authorisation Matrices, these are:
Simple Authorisation Matrix - Any One User (from Group A or Group B)
individually can authorise a financial Transaction. E.g. A, B
Dual Two Group Authorisation Matrix: Users, either individually or jointly, from
Group A and/or Group B can authorise the transaction. E.g. A, B, A+A, B+B, A+B.
VI. Secondary Users
a. Create Secondary Users
Primary users can create Secondary users online through the ‘Create New
User’ option under the ‘Access and Security’ menu.
Step 1 - ‘Create New User’
1. Enter the Secondary Users details
Step 2 – Select Accounts
Select the accounts that the Secondary user can access
Step 3 – Select Services
Select the services that the Secondary User can use
The new user’s Electronic Banking Number will appear on the acknowledgement
page online once a user has been created.
The new user created online will be sent an Internet Banking PIN / Password to
his company address.
The Security Token would have already been handed to the Primary user at the
time of application.
The new user will now have to follow the Registration and Logon steps as
detailed in the previous sections.
Please note: Creation of a new user is an admin related task and would need
authorisation if you have selected Dual Admin Control as explained in the
Admin Control section under Key Concepts. For details on how to authorise this
transaction refer to section VII.
Step 4 – Signature Group
Assign Signature group and Daily User limits
b. Delete existing Secondary user
2. Click on delete at the right hand bottom corner of the page
Go to ‘Existing user’ under ‘Access and Security’ menu.
1. Click on the existing Secondary user you wish to delete.
Please note: Deletion of an existing Secondary user is an admin related task and
would need authorisation if you have selected Dual Admin Control as explained in
the Admin Control section under Key Concepts. For details on how to authorise
this transaction refer to section VII.
c. Modify profile of existing Secondary user
2. Click on the ‘Change ‘button at the right hand bottom corner of the page.
Go to ‘Existing user’ under ‘Access and Security’ menu.
1. Click on the existing Secondary user whose profile you wish to modify.
3. The next screen allows you to modify the list of accounts and services that the
secondary users can access. Once you have made the changes required (or if
you have nothing to change in this page) click on the ‘Proceed’ button at the right
hand bottom corner of the page.
4. The next page allows you change the signature group and daily transaction
limits of the secondary user. Make the necessary changes required click on
‘Proceed’ at the right hand bottom corner of the page. If you wish to go back to
the previous page now and make any changes, click on ‘Change’.
5. The next page shows you the new profile of the user and asks you to confirm
the changes. Once you review the details, click on the ‘Confirm’ button at the
right hand bottom corner.
6. On the next page you need to authorise the change by entering the number
displayed on the token in the given space and click ‘Confirm’.
7. The acknowledgement page appears.
VII. Authorisation (for Dual Admin control only)
This section applies only to customers who have selected Dual Admin control. In
this scenario the creation a new Secondary user, or any amendment in the user
profile of an existing Secondary users, have to initiated by one Primary user and
authorised by another Primary user, for the changes to take place. Section VI
explains how these requests can be initiated by a Primary user. Once a Primary
user initiates the requests, a different Primary user can log on and authorise the
transaction as shown below.
a. Authorisation for Adding, Deleting or Amending Secondary user
1. Go to Authorisation, then Access and Security. This will show you a list of
pending transaction awaiting authorisation.
Please note: Modifying the profile of an existing secondary user is an admin
related task and would need authorisation from a second Primary User if you have
selected Dual Admin Control. For details on how to Authorise the transaction
refer Section VII
2. Click on the transaction to see full details of the transaction. Review the
transaction and click ‘Proceed’ on the right hand bottom corner of the page.
3. A confirmation page is shown next. Click on the ‘Confirm’ button on the right
hand bottom corner of the page.
4. The system will ask you to enter the security code from your token to
authorise the transaction.
5. The system now shows an acknowledgement of the transaction completed.
b. Authorisation for Financial Transactions
To authorise financial transaction
1.Go to Authorisation, then go to ‘Instructions Pending’. This will show you a
list of pending transaction awaiting authorisation.
2.Click on the transaction to see full details of the transaction. Review the
transaction and click ‘Proceed’ on the right hand bottom corner of the
page.
3.A confirmation page is shown next. Click on the ‘Proceed’ button on the
right hand bottom corner of the page.
4.The system will ask you to enter the security code from your token to
authorise the transaction.
5.The system now shows an acknowledgement of the transaction
completed.

Business Internet Banking

Transcription

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