Ebook File Transfer Services for Corporate Banking Customers
Nordea Bank is formed of four former Nordic banks: the Danish Unitel, Finnish Merita Bank, the Norwegian Kristiania Bank and the Swedish Nordbanken. These companies have had different background and culture as well as technologies, ground systems and platforms on which the varying banking services were, and still are, implemented. In the ongoing integration processes the services provided in different countries will be unified and the underlying technologies and platforms will be integrated to some extent in the near future.
Corporate customers can deliver and retrieve for example payment information encompassed in files into the bank via file transfer systems. The customers create the file material in their local systems and then transfer it to the bank either directly or via centralised clearing houses.
Bank’s file transfer systems then receive the transfer requests and physical files from the customer side, check integrity and validity of the received material and then forward them to the actual payment service applications that process the files. This thesis investigates the file transfer services provided by Nordea Bank in the four Nordic countries: Finland, Sweden, Denmark and Norway. Describing and understanding the existing solutions is essential before they can be integrated meaningfully and efficiently.
Contents
FOREWORD
TABLE OF CONTENTS
LIST OF FIGURES
LIST OF TABLES
ABBREVIATIONS
1 INTRODUCTION
1.1 SCOPE AND OBJECTIVES
1.2 RESEARCH METHOD
1.3 STRUCTURE OF THE THESIS
2 REQUIREMENTS FOR DATA COMMUNICATION IN BANKING
2.1 INTRODUCTION
2.2 REQUIREMENTS FOR THE BANK
2.2.1 Audit Trail
2.2.2 Authentication
2.2.3 Customer Authorization
2.2.4 Event Logging
2.3 REQUIREMENTS FOR THE CUSTOMER ’S ENVIRONMENT
2.3.1 Physical Security
2.3.2 Standard File and Message Formats
2.4DATA COMMUNICATION REQUIREMENTS
2.4.1 Confidentiality
2.4.2 Information Integrity
2.4.3 Availability
2.5 REFERENCE MODEL
2.5.1 Considerations
2.5.2 System Evaluation Criteria
3 PAYMENT SYSTEMS
3.1 DENMARK
3.1.1 Danish Electronic Banking Systems
3.1.2 File Transfer Communications
3.1.3 File Transfer Architecture
3.2 FINLAND
3.2.1 Finnish Electronic Banking Systems
3.2.2 File Transfer Communications
3.2.3 WWW file transfer
3.2.4 File Transfer Architecture
3.3 NORWAY
3.3.1 Norwegian Electronic Banking Systems
3.3.2 File Transfer Communications
3.3.3 File Transfer Architecture
3.4 SWEDEN
3.4.1 Swedish Electronic Payment Systems
3.4.2 File Transfer Communications
3.4.3 File Transfer Architecture
4 FILE FORMATS AND SECURITY IMPLEMENTATIONS
4.2 EDIFACT FORMAT
4.3 BILL PAYMENT FILES
4.4 RECURRING PAYMENTS FILES
4.5 PAYMENT TERMINAL TRANSACTIONS
4.6 TELEPAY
4.7 IN-PAYMENT FILES
4.8 INVOICE PAYMENT FILES
4.9 SECURITY
4.9.1 Denmark
4.9.2 Finland
4.9.3 Norway
4.9.4 Sweden
5 ANALYSIS OF THE FILE TRANSFER SYSTEMS
5.1BANK ’S SYSTEMS
5.1.1 Denmark
5.1.2 Finland
5.1.3 Norway
5.1.4 Sweden
5.1.5 Summary
5.2 DATA COMMUNICATION
5.2.1 Denmark
5.2.2 Finland
5.2.3 Norway
5.2.4 Sweden
5.2.5 Summary
5.3 CUSTOMER ’S ENVIRONMENT
6 FUTURE TRENDS
6.1 INTRODUCTION
6.2 TECHNOLOGIES
6.2.1 XML
6.2.2 Web Services
6.2.3 Applications
6.3 NTEGRATION VERSUS
CONSOLIDATION 7
CONCLUSIONS
REFERENCES
APPENDIX A
List of Figures
Figure 1: Requirements model
Figure 2: ISO general model for authentication mechanisms
Figure 3: Symmetric cryptography.
Figure 4: Public key cryptography
Figure 5: Electronic banking systems offered by Nordea Bank Denmark
Figure 6: Danish file transfer system architecture
Figure 7: Finnish file transfer architecture
Figure 8: Norwegian file transfer system architecture
Figure 9: Swedish file transfer system (Fantom) architecture
Figure 10: One pass unilateral authentication using symmetric techniques
Figure 11: Two pass mutual authentication using symmetric techniques
Figure 12: One pass unilateral authentication using asymmetric techniques
Figure 13: Two pass mutual authentication using asymmetric techniques
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