(20分)網上銀行一問

History
One of the first organisations to set up on-line banking was the Nottingham Building Society in 1983. The system used was based on the UK's Prestel system and used a computer, such as the BBC Micro, or keyboard (Tandata TD1200) connected to the telephone system and television set. The system allowed on-line viewing of statements, bank transfers and bill payments. The Bank of Scotland introduced the system in 1985.

The Presidential Savings Bank notes that it was America's first on-line [internet] bank with a service starting on October 6, 1995

Features

Online banking solutions have many features and capabilities in common, but traditionally also have some that are application specific.


The common features fall broadly into several categories[1]

Transactional (e.g., performing a financial transaction such as an account to account transfer, paying a bill, wire transfer... and applications... apply for a loan, new account, etc.)

Electronic bill presentment and payment - EBPP
Funds transfer between a customer's own checking and savings accounts, or to another customer's account
Investment purchase or sale
Loan applications and transactions, such as repayments

Non-transactional (e.g., online statements, check links, cobrowsing, chat)

Bank statements
Financial Institution Administration - features allowing the financial institution to manage the online experience of their end users
ASP/Hosting Administration - features allowing the hosting company to administer the solution across financial institutions