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FinTS
FinTS (Financial Transaction Services), formerly known as HBCI (Home Banking Computer Interface), is a bank-independent protocol for online banking, developed and used by German banks. HBCI was originally designed by Germany's three banking "pillar" networks, namely the Sparkassen-Finanzgruppe, German Cooperative Financial Group, and Association of German Banks. The result of this effort was an open protocol specification, which is publicly available. The standardisation effort was necessary to replace the huge number of deprecated homemade software clients and servers (some of them still using BTX emulation). While IFX (Interactive Financial Exchange), OFX (Open Financial Exchange) and SET (Secure Electronic Transaction) are tailored for the North American market, HBCI is designed to meet the requirements of the European market. The FinTS-specification is publicly available on a website run by the ZKA (Central Credit Committee). Features * Support for online-banking using PIN/ ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Online Banking
Online banking, also known as internet banking, web banking or home banking, is an electronic payment system that enables customers of a bank or other financial institution to conduct a range of financial transactions through the financial institution's website. The online banking system will typically connect to or be part of the core banking system operated by a bank to provide customers access to banking services in addition to or in place of traditional branch banking. Online banking significantly reduces the banks' operating cost by reducing reliance on a branch network and offers greater convenience to some customers by lessening the need to visit a branch bank as well as the convenience of being able to perform banking transactions even when branches are closed. Internet banking provides personal and corporate banking services offering features such as viewing account balances, obtaining statements, checking recent transactions, transferring money between accounts, and ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Open Financial Exchange
Open Financial Exchange (OFX) is a data-stream format for exchanging financial information that evolved from Microsoft's Open Financial Connectivity (OFC) and Intuit's Open Exchange file formats. History Microsoft, Intuit and CheckFree announced the OFX standard on 16 January 1997. The first OFX specification, version 1.0, was released on 14 February 1997. The specification allows for bank- and application-specific extensions, although only a subset is necessary to describe a financial transaction. Versions 1.0 through 1.6 relied on SGML for data exchange, but later versions are XML based. According to the main OFX site, "The specification is freely licensed, allowing any software developer to design an interface that will be supported on the front-end." Support in various countries Many banks in the US let customers use personal financial management software to automatically download their bank statements in OFX format, but most Canadian, United Kingdom and Australian banks ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Germany
Germany,, officially the Federal Republic of Germany, is a country in Central Europe. It is the second most populous country in Europe after Russia, and the most populous member state of the European Union. Germany is situated between the Baltic and North seas to the north, and the Alps to the south; it covers an area of , with a population of almost 84 million within its 16 constituent states. Germany borders Denmark to the north, Poland and the Czech Republic to the east, Austria and Switzerland to the south, and France, Luxembourg, Belgium, and the Netherlands to the west. The nation's capital and most populous city is Berlin and its financial centre is Frankfurt; the largest urban area is the Ruhr. Various Germanic tribes have inhabited the northern parts of modern Germany since classical antiquity. A region named Germania was documented before AD 100. In 962, the Kingdom of Germany formed the bulk of the Holy Roman Empire. During the 16th century, ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
SOAP
Soap is a salt of a fatty acid used in a variety of cleansing and lubricating products. In a domestic setting, soaps are surfactants usually used for washing, bathing, and other types of housekeeping. In industrial settings, soaps are used as thickeners, components of some lubricants, and precursors to catalysts. When used for cleaning, soap solubilizes particles and grime, which can then be separated from the article being cleaned. In hand washing, as a surfactant, when lathered with a little water, soap kills microorganisms by disorganizing their membrane lipid bilayer and denaturing their proteins. It also emulsifies oils, enabling them to be carried away by running water. Soap is created by mixing fats and oils with a base. A similar process is used for making detergent which is also created by combining chemical compounds in a mixer. Humans have used soap for millennia. Evidence exists for the production of soap-like materials in ancient Babylon around ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Technical Communication
Technical communication is used to convey scientific, engineering, or other technical information. Individuals in a variety of contexts and with varied professional credentials engage in technical communication. Some individuals are designated as technical communicators or technical writers. These individuals use a set of methods to research, document, and present technical processes or products. Technical communicators may put the information they capture into paper documents, web pages, computer-based training, digitally stored text, audio, video, and other media. The Society for Technical Communication defines the field as any form of communication that focuses on technical or specialized topics, communicates specifically by using technology, or provides instructions on how to do something.What is Technical Communicat ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Banking Technology
A bank is a financial institution that accepts deposits from the public and creates a demand deposit while simultaneously making loans. Lending activities can be directly performed by the bank or indirectly through capital markets. Because banks play an important role in financial stability and the economy of a country, most jurisdictions exercise a high degree of regulation over banks. Most countries have institutionalized a system known as fractional reserve banking, under which banks hold liquid assets equal to only a portion of their current liabilities. In addition to other regulations intended to ensure liquidity, banks are generally subject to minimum capital requirements based on an international set of capital standards, the Basel Accords. Banking in its modern sense evolved in the fourteenth century in the prosperous cities of Renaissance Italy but in many ways functioned as a continuation of ideas and concepts of credit and lending that had their roots in the an ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Web Banking
Web most often refers to: * Spider web, a silken structure created by the animal * World Wide Web or the Web, an Internet-based hypertext system Web, WEB, or the Web may also refer to: Computing * WEB, a literate programming system created by Donald Knuth * GNOME Web, a Web browser * Web.com, a web-design company * Webs (web hosting), a Web hosting and website building service Engineering * Web (manufacturing), continuous sheets of material passed over rollers ** Web, a roll of paper in offset printing * Web, the vertical element of an I-beam or a rail profile * Web, the interior beams of a truss Films * ''Web'' (2013 film), a documentary * ''Webs'' (film), a 2003 science-fiction movie * ''The Web'' (film), a 1947 film noir * Charlotte's Web (2006 film) Literature * ''Web'' (comics), a MLJ comicbook character (created 1942) * ''Web'' (novel), by John Wyndham (1979) * The Web (series), a science fiction series (1997–1999) * World English Bible, a public-domain Bible ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Bildschirmtext
Bildschirmtext ( German "screen text", abbrev. Btx or BTX) was an online videotex system launched in West Germany in 1983 by the Deutsche Bundespost, the (West) German postal service. Btx originally required special hardware (it was based on GEC 4000 series computers) which had to be bought or rented from the British General Post Office. The data was transmitted through the telephone network using V.23 modems and the content was displayed on a television set. History Originally conceived to follow the UK Prestel specifications, and developed on contract by a small UK company called Systems Designers Ltd (originally merged into EDS and now part of HP) for IBM Germany. Btx added a number of additional features before launch, including some inspired by the French Minitel service, to create a new display standard of its own, which in 1981 was designated the CEPT1 profile. The system was presented at the IFA in Berlin, with a trial system installed in Düsseldorf and Berli ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Malware
Malware (a portmanteau for ''malicious software'') is any software intentionally designed to cause disruption to a computer, server, client, or computer network, leak private information, gain unauthorized access to information or systems, deprive access to information, or which unknowingly interferes with the user's computer security and privacy. By contrast, software that causes harm due to some deficiency is typically described as a software bug. Malware poses serious problems to individuals and businesses on the Internet. According to Symantec's 2018 Internet Security Threat Report (ISTR), malware variants number has increased to 669,947,865 in 2017, which is twice as many malware variants as in 2016. Cybercrime, which includes malware attacks as well as other crimes committed by computer, was predicted to cost the world economy $6 trillion USD in 2021, and is increasing at a rate of 15% per year. Many types of malware exist, including computer viruses, worms, Trojan horse ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
SMTP
The Simple Mail Transfer Protocol (SMTP) is an Internet standard communication protocol for electronic mail transmission. Mail servers and other message transfer agents use SMTP to send and receive mail messages. User-level email clients typically use SMTP only for sending messages to a mail server for relaying, and typically submit outgoing email to the mail server on port 587 or 465 per . For retrieving messages, IMAP (which replaced the older POP3) is standard, but proprietary servers also often implement proprietary protocols, e.g., Exchange ActiveSync. SMTP's origins began in 1980, building on concepts implemented on the ARPANET since 1971. It has been updated, modified and extended multiple times. The protocol version in common use today has extensible structure with various extensions for authentication, encryption, binary data transfer, and internationalized email addresses. SMTP servers commonly use the Transmission Control Protocol on port number 25 (for plai ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
HTTPS
Hypertext Transfer Protocol Secure (HTTPS) is an extension of the Hypertext Transfer Protocol (HTTP). It is used for secure communication over a computer network, and is widely used on the Internet. In HTTPS, the communication protocol is encrypted using Transport Layer Security (TLS) or, formerly, Secure Sockets Layer (SSL). The protocol is therefore also referred to as HTTP over TLS, or HTTP over SSL. The principal motivations for HTTPS are authentication of the accessed website, and protection of the privacy and integrity of the exchanged data while in transit. It protects against man-in-the-middle attacks, and the bidirectional encryption of communications between a client and server protects the communications against eavesdropping and tampering. The authentication aspect of HTTPS requires a trusted third party to sign server-side digital certificates. This was historically an expensive operation, which meant fully authenticated HTTPS connections were usually found only ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
HTTP
The Hypertext Transfer Protocol (HTTP) is an application layer protocol in the Internet protocol suite model for distributed, collaborative, hypermedia information systems. HTTP is the foundation of data communication for the World Wide Web, where hypertext documents include hyperlinks to other resources that the user can easily access, for example by a mouse click or by tapping the screen in a web browser. Development of HTTP was initiated by Tim Berners-Lee at CERN in 1989 and summarized in a simple document describing the behavior of a client and a server using the first HTTP protocol version that was named 0.9. That first version of HTTP protocol soon evolved into a more elaborated version that was the first draft toward a far future version 1.0. Development of early HTTP Requests for Comments (RFCs) started a few years later and it was a coordinated effort by the Internet Engineering Task Force (IETF) and the World Wide Web Consortium (W3C), with work later mo ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
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