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User Guide ING Online Slovak Republic

1. Figure 5 Account Booking date Value date Type Beneficiary Details Net amount Reference XXXXXX1 USD 20 May 2008 01 Jun 2008 10 300 00 CR XXXXXXXXXXXXXXXX 10 300 00 S XXXXXXXXXX XXXXXX2 EUR 19 May 2008 01 Jun 2008 30 000 00 DR XXXXXXXXXXXXXXXX 30 000 00 S XXXXXXXXXX The downloaded MS Excel file contains the same column headings as shown on the screen with exception for columns Beneficiary Details Net Amount and Reference e Beneficiary Details is divided into e Counter Party 1 details about the name and account number of the counter party e Counter Party 2 details about the address and city of the counter party e Details details about the payment including justification invoices No etc e Net Amount is split into e Charges the bank charges for the transaction Net Amount the amount of money involved Net Amount Currency the currency of the transaction e Reference e Reference reference from the accounting system of the bank It includes the transaction ID The transaction ID starts with Transaction type codes as follows PA Fund Transfer Payment initiated by the Bank RE Fund Transfer Payment Received in the bank LD Loan or Deposits FX Foreign Exchange AC Accounting ING Online User Manual Slovak Republic September 2013 6 AN Other CM Capital Market e Customer reference account owner reference In case no reference is entere
2. Orderer bank code Serial number Beneficiary bank code Amount Null field Currency code Ordering account prefix Account number of ordering party Specific symbol for ordering party If this field is empty in the payment screen 0 has to be filled in Ordering party description 1 Ordering party description 2 Ordering party description 3 Beneficiary prefix Beneficiary account number Specific symbol for the ordering party If this field is empty in the payment screen 0 has to be filled in Beneficiary description 1 Beneficiary description 2 Beneficiary description 3 Beneficiary description 4 Constant symbol maximum 4 characters from the left Variable symbol for the ordering party Variable symbol for the beneficiary party Supplementary information 1 Supplementary information 2 Supplementary information 3 Supplementary information 4 Transaction 2 Transaction N Total count of domestic payments Zeros are added on the left Total amount of transfers Total count of direct debit transfers Zeros are added on the left Total amount of direct debit transfers Domestic payment in MT100 file format MT100 format is based on SWIFT MT100 format The file begins with Header block and is followed by Payment blocks The header block contains information about the total sum and count of payment orders in the file The following is an example of an uploaded domestic order in the MT100 file format Figure
3. a Transaction Information This building block is mandatory and repetitive It contains elements related to the credit side of the transaction such as Creditor and Remittance Information The Transaction Information block is coloured in The structure of the file can be illustrated with the following scheme ING Online User Manual Slovak Republic September 2013 42 Figure 46 Group Header Payment Information Payment Information Payment Information Payment Information One message in can contain many Payment Information blocks which in turn may contain a single transaction Information block Information about the number of occurrences of Payment Information blocks is contained in the Group Header Information about the number of occurrences of Transaction Information blocks is contained in each Payment Information block Here is a sample file with one transaction ING Online User Manual Slovak Republic September 2013 43 Uploaded file in XML format Description of tags lt xml version 1 0 encoding ISO 8859 2 gt Constant lt Document xmlns xsi http www w3 org 2001 XMLSchema instance xmlns urn iso std iso 20022 tech xsd pain 001 001 03 gt Opening Document tag Constant lt CstmrCdtTrinin gt Opening Customer Credit Transfer Ini
4. User Guide ING Online Slovak Republic Your gateway to Central and Eastern Europe o i IAN E nn ae Contents Introduction to ING Online 3 News 4 Rates 4 Account information 4 Filters and search 4 Balances 5 Balances by group 6 Movements 6 Statements 7 Financing 8 Deposits 8 Loans 9 Guarantees 9 Letters of credit 9 Transactions 10 Validation of fields 10 Completion of transactions 10 Display of amounts 10 Actions with transactions 1 Track changes Templates 13 Set and remove default values 14 Domestic payment 16 Foreign exchange 18 Direct debit 19 Deposit request 20 International payment 22 Draw down request 24 Single European Credit Transfer 25 European Direct Debit 27 Recurring payment orders 32 Files upload 35 Upload formats 35 Domestic payment orders 36 International payments 40 Single European Credit Transfer 42 European Direct Debit 46 Salary payments 51 Processing of uploaded files 52 Packages 53 Locked packages 53 Unlocked packages 53 Creation of packages 53 Transaction management 56 Transactions by group 58 Sign 59 Send 60 Edit and cancel 6 Documentary files 61 Customer to bank files 6 Bank to customer files 65 User limits 66 Personal settings 67 Customer and Account alliases 67 Group Management 67 Assign to group 67 Settings 67 Security 68 Important information 68 Change password 68 Digital certificate 68 Secr
5. BIC gt Original debtor s agent that has been modified lt OTHR gt Other lt ID gt SMNDA lt ID gt Original debtor s agent that has been modified lt OTHR gt Closing Other lt FinInstnId gt Closing Financial Institution lt OrgnlDbtrAgt gt Closing Original Debtor s agent lt AmdmuntInfDtls gt Closing Amendment Information Details lt ElctrncSgntr gt E Signature Data lt ElctrncSgntr gt Placeholder for the Electronic Signature lt MndtRitdInf gt lt CdtrSchmeld gt Closing Mandate Related Information Creditor Scheme Identification lt Id gt ID lt Prvtld gt Private Identification lt Othr gt Other lt Id gt DE98ZZZ09999999999 lt Id gt lt SchmeNm gt Credit party that signs the direct debit mandate Scheme Name lt Priry gt SEPA lt Prtry gt Identification Scheme Name lt SchmeNm gt Closing Scheme Name lt Othr gt Closing Other lt Prvtld gt Closing Private Identification lt Id gt Closing ID lt CdtrSchmeld gt Closing Creditor Scheme Identification lt DretDbtTxInf gt Closing Direct Debit Transaction lt UltmtCdtr gt Ultimate Creditor lt Nm gt Ultimate Creditor Name lt Nm gt Name of ultimate creditor lt UltmtCdtr gt Closing Ultimate creditor lt DbtrAgt gt Debtor agent lt FinInstnld gt Financia
6. Group Test user 1 21 Invoices 32421 1 Inv x Name inv 234 jpg 234 Kb SHA checksum 15 May 2012 13 29 48 oO New a Test user 1 Signed with First 20 Invoices 2 Files x Name report_12 xls 1 Mb SHA checksum 11 May 2012 10 12 13 Test user 2 0O 0o Signature Test user 3 Test user 1 Test user 2 Test user 1 19 Other ethde Name letterdac 131 kb SHA checksum 54 Apr 2012 09 15 54 23 Apr 2012 10 34 23 23 Apr 2012 10 35 12 23 Apr 2012 10 36 02 cepted The Customer to Bank screen show a table with all uploaded files with the last uploaded file at the top of the table By default the screen shows files that are not expired Expiration dates are set individually for each type of document by the Bank In case users want to see the expired files as well they have to place a tick in the box with expired in the filters area Other ways of filtering the content of the table include e Document type Filters the files in accordance with the predefined types of documents invoices letters of credit etc e Status The process of upload of files from the customer to the Bank follows the logic of capturing transactions and includes several stages uploading signing in accordance with the signing policy and sending At each successfully completed stage he status of the file changes The possible types of the status of the uploaded file are as follows e New The file is uploaded by the user and awaits user s signature when the
7. The foreign exchange deal takes place under the exchange rate announced by the Bank in the Exchange Rates list Foreign Exchange orders received between 8 30 AM and 04 00 PM will be executed on the same business day using the exchange rate valid at the time when the order was sent to the Bank If the order is received after 04 00 PM it will be executed on the following business day using the exchange rate valid for that particular day Figure 23 ING a FOREIGN EXCHANGE Date Due Date 01 Apr 20090 Date 1 Apr 2009 Debit Account Account Number z Name Credit Account Account No Name Amount Sell Amount 100 EUR Buy Amount 149 86 USD ING Official Exchange Rate 1 4986 The Owner of both accounts must be the same Ce E Details of Payment Date The date for execution of the transfer is the current date and cannot be altered Debit Account Account Number users have to choose the account they will be buying another currency with Name Name and details for the orderer automatically filled in by the application on the basis of the entered account number Credit Account Account Number the number of the account where the bought currency will be placed For example if a user wants to sell EUR for USD a EUR account is debited and a USD account is credited Name the name of the orderer is automatically filled in by the application on the basis of the en
8. 000 00 EUR Test User 1 Test User 1 Test User 2 Test User 2 Details VAR 1234567890 0308 1234567890 9876543210 TEST LCY INTRABANK PAYMENT IN MT100 16 Feb 2011 16Feb2011 407637 Intemational Signed with second 9999910779 12 345 54 EUR Test User 2 Test User 2 Test User 1 Payment signature Details Details1 Signed with First 16 Feb 2011 16Feb2011 407636 Domestic Payment Signature 9000010760 1000 00 EUR Test User 2 Test User 2 Details VAR 1234567890 0308 1234567890 9876543210 TEST LCY INTRABANK PAYMENT IN MT100 The screen displays a table with transaction records similar to the screen for Transactions by Beneficiary the only difference being the columns for user information e Entered by This column contains the names of the user who has captured or uploaded the transaction Sign 1 The name of the user who has signed the transaction with first signature e Sign 2 The name of the user who has signed with second signature e Sent by The name of the user who has sent the payment to the Bank At Transactions by user ING Online users may sort filter summarise download and print transaction records the same way as in Transactions by Beneficiary User management of the report is available as well Transactions by group Through Transaction by Group users may search filter or browse for transactions with assigned groups of accounts ING Online User Manual Slovak Republic September 2013 58 Figure 5
9. 9 Letters of credit 9 Loans 8 i ING Online 3 M Movements 6 N News 4 P Packages 56 Actions with Packages 55 Creation of packages 56 Manual creation of packages 53 Packages from uploaded files 53 Locked packages 53 Unlocked packages 53 Personal settings 67 R Rates 4 Recurring payment orders 25 27 28 View RPO Shedule 33 Salary payments 42 Security 67 Set and remove default values 14 Signing of transactions 59 Single European Credit Transfer 25 Statements 7 T Track changes 11 Transaction management 56 Transactions by user 58 Transactions by beneficiary 56 Transactions by group 58 Transactions 9 Deposit request 20 Direct debit 19 Domestic payment 16 Draw down request 23 European Direct Debit 27 Foreign exchange 17 International payment 22 Single European Credit Transfer 25 vV Validation of fields 10 ING Online User Manual Slovak Republic September 2013 69
10. Ctrl Shift Del A new window will pop up Besides Time range to clear click Everything Click on Details and select only Cache Select Clear Now Setting default values resembles the template feature complemented with the fact that users may choose to set default values for certain fields of the payment forms Every time users log in the application the interactive payment forms will contain the set default value in the corresponding fields ING Online User Manual Slovak Republic September 2013 14 How it works All editable fields in a payment form have a little paperclip attached Figure 20 ING amp DOMESTIC PAYMENT Date I RINGS Date Beneficiary 5 Beneficiary s Nam Address City Beneficiary is El Any value entered in the fields with a paperclip can be used as default value for these fields when capturing a payment A simple click on the paper clip brings a pop up menu Figure 21 ING DOMESTIC PAYMENT Date I RINGS S Default Value Beneficiary Set Remove Beneficiary s Name Beneficiary One Address City gt Beneficiary is zi E Upon clicking on Set all data contained in the field shall be stored and all new payments will have this field filled with the remembered value when starting to capture a new domestic payment A appears blank when capturing a new payment click on Remove clears the set value and the field There a
11. HIGH ee lt SvcLvl gt dentification of a pre agreed level of service between O the parties in a coded form lt Cd gt SEPA lt Cd gt The value of the pre agreed service level is SEPA La lt SvcLvl gt End of tag Service level lt CtgyPurp gt Opening of Category Purpose tag lt Cd gt TREA lt Cd gt Specifies the high level purpose of the instruction a based on a set of pre defined categories a lt CtgyPurp gt End of Category Purpose tag lt PmtTplnf gt Closing Payment Type Information tag lt ReqdExctnDt gt 2013 08 10 lt ReqdExctnDt gt Requested execution date of transfer lt Dbtr gt Opening Debtor tag lt Nm gt ORDERING CUSTOMER NAME lt Nm gt Name of ordering party lt PstlAdr gt Opening of postal address tag lt Adrline gt CUSTOMER ADDRESS lt AdrLine gt Address of ordering party lt PstlAdr gt Closing of postal address tag lt Dbtr gt Closing Debtor tag lt DbtrAcct gt Opening Debtor Account tag lt Id gt ID of debtor account tag lt IBAN gt SK3112000000198742637541 lt IBAN gt IBAN of ordering party lt Id gt Closing ID of debtor account tag ING Online User Manual Slovak Republic September 2013 44 Uploaded file in XML format Description of tags lt DbtrAcct gt Closing Debtor Account tag lt DbtrAgt gt Opening Debt
12. Letters of credit Under Letters of Credit customers receive information about issued and confirmed letters of credit with their accounts with ING Bank The details for each letter of credit include contracts date of issuance type amount currency and period of validity Similarly with guarantees the end date appears red when the letter of credit matures in 7 days or less from the current date Figure 10 Letters of Credit Filters From To Customer Il Date 16 Feb 2011 xl 16 Feb 2011 zl Deal date Currency Il z Amount Maturity date Type All xl Contract No FINE TOOLS LD00211730 23 Mar 2011 12 950 915 00 USD Letter of Credit issued 27 Oct 2009 15 Dec 2012 ING Online User Manual Slovak Republic September 2013 9 Transactions ING Online offers various ways to enter transactions for all types of transactions such as domestic and international single payments direct debits etc for accounts held with ING Bank e Manual capturing e Using the template database e Via file upload Transactions can be initiated in both local and foreign currencies When using ING Online for single or bulk payments the system validates the payments for completeness and correctness This ensures higher straight through processing Common features and functionality of transactions among different countries are Validation of fields All information and details for transactions are communicated with ING accounting system in a predef
13. Message My Customer Ltd User limits The user limits report provides information for used limits There are three types of limits in ING Online e User to customer limit The maximum amount that a user may utilize through signing transactions on behalf of a certain customer in a defined period of time e User to account limit The maximum amount that a user may utilize through signing transactions from a certain account in a defined period of time e Maximum sending limit The maximum sending limit restricts users from sending a payment which amount exceeds the set maximum sending limit though users can still sign payments with amounts higher than their maximum sending limit User limits in ING Online can be daily weekly or monthly The used limits are cleared every night at 00 00h after the transactions are sent to the bank for execution If a transaction is cancelled the limit used by this transaction is released immediately The weekly limits of the users are released every Monday at 00 00h The monthly limits are released at 00 00h on the first date of the month The amount of the transactions signed and not send in one day is transferred for the next day as used limits Figure 69 Report generated on 15 Mar 2011 02 47 14 PM All limits presented are in EUR User Sign Limit DAILY 20 000 00 18 000 00 Name Send Limit PER TRANSACTION 200 000 00 User Customer User to Customer Limits HIGH FLY SK 100 000 00 98 000 00 User
14. Name Regulatory Reporting Code Remittance Information Remittance Information Type Instructions Bank adheres to these requirements and offers i ransfers through ING Online The form for manual capture of SCT payments is shown below Single s clients an opportunity to manually capture or upload Single European Credit Transfer v Instruction Priority Category Purpose Code European Credit Requested Execution Date The date when the instructing party requests the clearing agent to process the payment Instruction Priority Indicator of the urgency or order of importance Can be STANDARD or URGENT Category Purpose Code This field specifies the high level purpose of the instruction based on two pre defined categories TREA and INTC The category of the payment can be selected from the drop down menu Debtor ING Online User Manual Slovak Republic September 2013 25 Debtor Account IBAN The IBAN ordering account Automatically filled in by the application Users may select an account that hey have the rights to initiate SCT payments with Debtor Name The name of the IOL customer owner of IBAN ordering account Automatically filled in by the application Debtor Postal Address The postal address of the debtor Filled in automatically Debtor Agent BIC The BIC of the bank of the debtor is filled in automatically Amount End to End Identifica
15. amount of money regardless of the type of operations The following is an example of a domestic payment in MT103 file format Figure 42 01 REF123 02 100 00 20331 04 7300 05 ING BANK UL ULICA 18 BRATISLAVA 06 USER_SK 207 OB130B7 txt 20 MT103SK 23B LCY 32A 090123EUR100 00 52A D 0 90000023456 7300 57A 7300 59 0 90000027182 SWEET CORP SWEET STR BRATISLAVA 70 108 9876543210 987456321 INV 1221 detail 3 detail 4 72 URGENT HEADER PAYMENT SECTION ING Online User Manual Slovak Republic September 2013 Reference Total Amount of payments Total count of orders Paying Bank BIC Paying Bank Name Paying Bank address Paying Bank City Ordering party name File Name Senders reference Bank operation code Value Date Currency Amount Ordering Customer account Ordering party BIC Beneficiary bank local code Beneficiary account Beneficiary name Beneficiary address Beneficiary city Constant Variable Specific Additional information Additional information Additional information Sender to receiver information Request for Direct Debit The SKI file format is used for upload of files with requests for direct debit The structure of the SKI file with direct debit transactions is the same as the one for domestic payment with some exceptions The differences are explained below Figure 43 HD 32 030217 7300 1 7300 KC 100 000000 EUR UD 0 9000010066 AD 9876543210 DI ING
16. data for international payments The feature of setting and removing default values can be enabled or disabled through Personal settings Settings Figure 19 Display option for setting Default Turn On gt Values in Payments Partially Turn Off The application can work in three modes to displaying and setting default values On Off and Partially On Paperclips become visible on many fields in the interactive payment forms With these default values can be set used or removed Off The paperclip is not visible and no default values are shown and Partially Default values already set will be used but the option paperclip to change default values will not be displayed Note Please be sure that the browser cache is cleared after altering the default values settings so that changes take effect immediately Browser cache can be removed the following way Internet Explorer Once open click on the Tools menu at the top of the page Select Internet options at the bottom The General tab should open by default If not make sure the General tab is selected Under Browsing History click Delete A new window will now pop up Click Delete Files listed in the Temporary Internet Files section When Internet Explorer finishes clearing the files click Close at the bottom on the window and then OK Mozilla Firefox Through Tools X Clear recent history or pressing
17. his her password The rules for questions and answers validations are as follows e For each user all questions must differ from one another All answers must differ as well it is not possible to input 3 equal answers q The length of the question should be at least 8 characters long The length of the answer is 6 characters minimum Maximum length of questions and answers is 50 characters e Valid symbols in field with question or answer are all Latin and local alphabet digits from 0 to 9 and special symbols er B S and There should be different letters in the answers aaaaaa is not valid ING Online User Manual Slovak Republic September 2013 68 Index A Account information 4 B Balances 5 Balances by group 6 Beneficiary files 67 Cc Completion of transactions 10 D Documentary files Bank to customer files 64 Customer to bank files 61 E Edit and cancel transactions 61 F Files upload Domestic payment orders Domestic payment in MT100 file format 36 Domestic payment in Single credit transfer format MT103 38 Domestic payment in SKI file format 36 Request for Direct Debit 39 European Direct Debit 46 International payments 40 International Payment in MT100 File format 40 International payment in Single credit transfer format MT103 4 Processing of uploaded files 42 53 Single European Credit Transfer 42 Upload formats 35 ilters and search 4 Financing Guarantees
18. kept in mind that in case the execution date of any scheduled payment is a nonworking day the payment will be executed on the next working day Another smart feature of ING Online RPO mechanism is the introduction of date variables These date variables can be entered in the details section of the RPO template Upon execution of the recurring payments resulting from the current RPO template hese dates are replaced automatically with the current system dates Variable Description Value on Execution date DD Date Equal to the execution Date MM Month Equal to the execution Month YY or YYYY Year Equal to the execution Year Date related variables have to be placed in parenthesis within the field of Details of Payment E g MM DD YYYY A plus or a minus sign or a number can be added to any of the date related variables to affect the actual value generated on creation time Here are some examples to visualize the use of date variables ING Online User Manual Slovak Republic September 2013 32 Detail in RPO Template RPO created on 20 May 2010 Rent for the office for MM YYYY Rent for office for 05 2010 Rent for the office for MM 1 YYYY Rent for office for 04 2010 Rent for office for period from Rent for office for period from DD MM YYYY to DD 1 MM 1 YYYY 20 05 2010 to 19 06 2010 Rent for the office for YYYY 1 Rent for office for 2011 Recurring payment order templates can be reviewed in the recurring payment order
19. only entrance of the payment details once and then saving the payment form as a template ING Online offers two options for creating templates e Option 1 path Transactions Type of payment button Templates in the top right corner of the application The templates screen contains no templates upon initial use of the application Customers may create templates by clicking on the button EESE The screen for creation of templates represents a payment form that offers the possibility to enter relatively fixed and unchangeable data such as details for beneficiaries details for the ordering parties payment details etc After filling in the template form users have to save it and it appears in the templates list and is ready for use e Option 2 path Transactions Type of payment Fill the payment form Save the transaction Save as template This option gives ING Online users the opportunity to save the template type details of a transaction into a ready template in a click The transaction when finished and saved opens in a preview mode and offers a set of actions below the transaction form A click on Save as Template automatically retrieves template type data from the current transaction and opens a template form that can be saved as a ready template Users only have to type the name of the template and it is well ready ING Online validates user entered data in the template fields for presence and correctness Upon
20. password Minimum length of the passwords is set to 8 The users are blocked after more than 3 consecutive unsuccessful logons Password validity checks implemented in ING Online client site are the following e Password length must be at least 8 characters e Symbols accepted are all from Latin alphabet digits from 0 to 9 and special symbols amp lt gt _ e Maximum length of password is 50 symbols The password should contain at least one digit one character and one punctuation symbol The system will force a password change once in a 60 days period and the new password must differ from the previous password by at least 3 characters The passwords are checked for triviality they cannot be simple aaaabbbb 01234567 password or computer etc Password history is kept for one year The new password should have not been used within the last 12 months ING Online users shall receive a notification message if their password expires in less than 6 days The message contains a link which leads to the password change screen Digital certificate The Digital Certificate function gives the possibility to review information about the digital certificate issued on behalf of the user its starting and expiration dates as well as issuer of the certificate Secret questions and answers The Secret Questions and Answers function is used to set secret questions and answers to be used in case the user has forgotten
21. signing process is mandatory Signed with first signature The file is signed by the user with first signature when the signing process is mandatory Signed with second signature The file is signed by an user with second signature when the signing process is mandatory and the C2B signing policy requires two signatures e Sent The file is sent by the user to the bank e Cancelled The file is cancelled by the user e Accepted The file is accepted by the bank e Rejected The file is rejected by the bank for some reason the description of the reason is mandatory The uploaded file gains the status Accepted or Rejected in accordance with the Bank decision to accept or discard the file Upon accepting or rejecting the uploaded file the application automatically generates an item in its News section e Customer name Users may filter the uploaded files per customer should they select one from the drop down list e Group Files can be filtered by groups as well This allows users to view only files assigned to specific group e Date Uploaded files can be sorted by dates of upload e RefNo Files may be filtered by the reference number of the transaction they are linked to e File Info This field allows for filtering the uploaded files by the original name of the uploaded file Users may enter the name of the file or part of it and perform a search All uploaded files are organise
22. the accounts involved in the payments selected to be signed ING Online User Manual Slovak Republic September 2013 59 Users may customize the Sign screen by setting up from 50 to 2000 rows per page See Personal settings The default setting is 250 rows per page as the Select All button is no longer shown should the number of transactions waiting to be signed is greater than 250 Accordingly the initial Sign screen displays all transactions with the sign check boxes selected by default so that users may sign all transactions with a single click irrespective of their count In case users do not need to sign all transactions they can deselect the transactions they do not want to sign and sign the rest Users may filter transactions to be signed the same way as in Transactions by Beneficiary to obtain desired views and results Note Information for packages waiting to be signed is not included in the Sign screen Signing of packages can only be executed through menu item Packages Sign screen Send Figure 61 Transactions to Send Print Help Filters From To Account Date 21 Apr 2009 21 Apr 2009 z Book Date Currency Reference El Type ina Amot O Value Date E El Status Details O with details Beneficiary Packages Show z 21 Apr 2009 21 Apr 2009 982 Domestic Payment Signed wih second 1339390970 1000 00 606035007 Test User 1 Test User 2 SELECT ALL gt 1330390970 1000 00
23. transaction All information contained in the table may be sorted by columns upwards or downwards It as well may be filtered by various criteria through the filters box above the table with transactions After choosing a filter filters user have to click the button to display desired results Filter criteria are e Account Users may filter the transaction information in regards to a specific own account Type of payment The information may be filtered by types of payment e Currency Filtered by type of currency e Status Transaction information may be filtered by status of payments possible options are All New Signed with first signature Signed with second signature Sent Registered in the Bank and Cancelled e Beneficiary Here users may enter any information identifying a certain beneficiary E g part of Beneficiary s Name Account number or Bank code to display transactions matching these criteria e Date Dates and periods may be chosen to filter transactions In addition users have the option to constrain periods and dates to Book date Value date or Sent date with the help of the respective check boxes E g Users can create a report by Sent date to list all transactions satisfying selection criteria sent to the bank on a given date or through a certain period Amount Transaction can be filtered by the amount of transfers as well The amount field is divided in
24. unlocking a package or cancelling a package Cancelling the package automatically cancels all transactions contained therein If a transaction from a package needs to be modified prior to sending to the Bank then it is automatically cancelled and remains in the package with a status Cancelled while the new transaction derived from the modification gets status New and is included in the package as well The total amount of the package is recalculated to subtract the amount of the cancelled transaction and to include the amount from the new transaction generated because of the edit action ING Online User Manual Slovak Republic September 2013 55 The summary of a package containing a cancelled transaction can be seen below Figure 54 Package Summary Status Created by Test User 01 Jul 2011 15 49 51 No 2 Sign 1 Status Sign 2 Unlocked Package Package Info Pack Name my_pack Count Amount 110 00 Cancelled Transactions 1 Amount of Cancelled Transactions 200 00 Transactions Control Count Transactions Control Amount 310 00 Source Manual Customer name Test Customer REFRESH gt VIEW TRANSACTIONS gt Transaction management In the section Transaction management users of ING Online obtain information about all initiated transactions of the customer All functional screens under Transaction management contain lists with initiated payments This information may be filtered in numerous ways in order that users get the
25. 05 Jul 2009 The old transaction is cancelled automatically and the modified transaction gains New status Changes made are indicated on field set level The green boxes indicated by an arrow represent modified field sets Cancelled transactions through the Edit function contain a link to the new payment record as shown below Figure 15 Transactions by Beneficiary Print Help Filters From To Account Date 16 Feb 2011 16 Feb 2011 2 Book Date Type Amount O Value Date Currency Reference O Sent Date Status Details O with details Beneficiary Packages Show z SUMMARY gt EXPORT gt COLUMNS 16 Feb 2011 16 Feb 2011 407639 Domestic Payment 9000010760 10 000 00 EUR 7300 0 9000001215 Test Beneficiary 4 Details VAR 1234567890 0308 1234567890 9876543210 TEST LCY INTRABANK PAYMENT IN MT100 16 Feb 2011 21 Feb 2011 407638 International Payment Sent 9000010779 5 487 00 EUR INGBSKBX BG80BNBG96611020345678 Test Beneficiary 2 Details Details1 16 Feb 2011 16 Feb 2011 ank Domestic Payment Cancelled 9000010760 1000 00 EUR 0 9000001215 Test Beneficiary 4 Details VAR 1234567890 0308 1234567890 9876543210 TEST LCY INTRABANK PAYMENT IN MT100 ING Online User Manual Slovak Republic September 2013 12 Templates Users of ING online can create templates for all kinds of transactions Templates are extremely useful for regular payments with constant partners Creation of templates Creating templates is easy as it involves
26. 11 24 24 j 7 y gt ____paytnent transactions ING root certificate download 0 7220 NO PNS ua 0 7818 Account Information enter transactions x sign transactions gt Financing send transactions gt Transactions gt Payment Files The Bank will only process transactions that have been sent with all required signatures ING Online News 1 4768 ING Online Files 1 4986 1 4543 More rates gt Packages No News available No Files available More news More files gt Transaction Management gt Documentary Files p Recurring Payment Orders gt Beneficiary Files gt User Limits gt Personal Settings gt Security gt Log out ING Online is a fast and flexible banking service which allows ING customers to securely execute bank transactions via Internet Alongside it offers great functionality in respect of obtaining accurate up to date and comprehensive information for customer s accounts balances and movements for any period of time ING Online is easy to integrate with customer s systems through import of files with account statements and exporting payment orders from accounting programs EPR TMS Besides payment and reporting services ING Online offers numerous other services such as online exchange rates up to date information on deposits and loans and more Furthermore ING Online is easily personalized Not only can ING customers customize their screen views and reports but chang
27. 41 01 REF123 02 100 00 03 1 04 73000000 05 CANDY ONLINE ADDRESS CITY 06 07 SK_LCY_TEST txt 20 REFERENCE 32A 091013EUR100 00 52A D 9000010860 73000000 57D 7300 59 0 9000000666 SWEET CORP SWEET STR BRATISLAVA 70 0308 1234567890 9876543210 INV 101 PAYMENT DETAILS PAYMENT DETAILS 71A SHA 72 120 HEADER PAYMENT SECTION ING Online User Manual Slovak Republic September 2013 Reference Total Amount of payments Total count of orders Ordering party SWIFT Not validated but used 73000000 Ordering Party Name Ordering Party Address optional Ordering Party City optional Ordering User not used File Name Senders reference Value Date Currency Amount Ordering Customer Account Ordering bank local code Beneficiary bank local code Beneficiary account Beneficiary name Additional details for the beneficiary Additional details for the beneficiary Constant Variable Specific separated by spaces Payment details Additional information Additional information Details of charges Sender to receiver information Domestic payment in Single credit transfer format MT103 q This file format can contain both domestic and foreign payments which may occur simultaneously in a single upload file The MT103 file format uses UTF 16 16 bit Unicode Transformation Format All files contain a file header The header contains details for the total count of payments in the file as well as the total
28. 451408902920 BGO2INGB91451234420657 BGO2INGB91451005521345 In the example above a user has selected one account of Customer A and all accounts of Customer B As shown in this exmple ING Online users can effectively select more than one account belonging to more than one customer by using SHIFT click or CTRL click When users click on the customer s name then all accounts registered with that customer shall be selected The reports generated using multiple account selection shall retain their filter options so that users may enter different filter or search creiteria e g time period status amount etc and still use the accounts they have selected previously For the sake of clearness and avoiding mistakes a notification about the number of accounts selected is shown in the account selection box e g Selected 5 This multiple accounts and customers filters opportunities are implemented in the following reports Account Information e Balances e Movements Transaction Management e Transactions by Beneficiary e Transactions by User e Sign e Send e Edit Cancel Balances This function gives information for account balances The default screen shows all accounts for the last available date During working days the default day is the current date and the information shown is the Intraday balances for all accounts The information for the Intraday balances is calculated by ING Online based on the l
29. 67890 9876543210 TEST LCY INTRABANK PAYMENT IN MT100 16 Feb 2011 21 Feb 2011 407638 International Payment Sent 9000010779 12 345 54 EUR INGBSKBX BG80BNBG96611020345678 Test Beneficiary 2 Details Details1 16 Feb 2011 16 Feb 2011 407637 Domestic Payment Cancelled 9000010760 1000 00 EUR 0 9000001215 Test Beneficiary 3 Details VAR 1234567890 0308 1234567890 9876543210 TEST LCY INTRABANK PAYMENT IN MT100 e Step 2 ING Online users have to expand the drop down menu in the next box enter the name of the package and click the ADD button as shown below Figure 51 Packages Add Remove Trx gt New package name here 345 my_pack 13 Jul 2009 e Step 3 The customer name have to be chosen and confirmed with the button ADD Figure 52 Packages Add Remove Trx gt Please select customer Please select customer e Step 4 Adding transactions to the newly created package This can be achieved by placing a tick in the check boxes in the Package column of the table with transactions The table with records for transactions displays only transactions belonging to the selected customer if user is linked to more than one customer and matching the criteria already selected by the user account type of transactions currency date etc When the tick is placed then the package name automatically appears in the Package column of the transaction record Multiple transactions can be added to a package should users check
30. 9 Transactions by Group Print Help Filters al From To Accounts Groups All accounts Date 16 Feb 2011 16 Feb 2011 Book Date Test group of accounts Amount O Value Date El Reference Type All Status All z Show By Beneficiary Summarize SUMMARY gt Group Name Test group of accounts 16 Feb 2011 21 Feb 2011 407638 Domestic Payment New 9000010760 12 345 54 EUR 7300 0 9000001215 Test Beneficiary 2 International 16 Feb 2011 16Feb2011 407637 Payment New 9000010779 345 00 EUR INGBSKBX BG80BNBG96611020345678 Test Beneficiary 3 16 Feb2011 16Feb2011 407636 Domestic Payment r Am First 9000010760 500 00 EUR 7300 0 9000001215 Test Beneficiary 4 Group Total 13 190 54 EUR Total 13 190 54 EUR ING Online users may organise their accounts in groups as explained in the section Personal Settings The function Transaction by Group allows users to filter sort summarise and print transaction records for transfers executed through accounts belonging to one or more previously defined groups of accounts as well as for all accounts users have rights to execute transfers with Transaction records may be filtered by type of payments status of payments beneficiary account dates and periods amount range beneficiaries and users Users may also summarise transaction records by currency customers and branches Sign Figure 60 Transactions to Sign Print Help Filters E From To Account Date 21 A
31. CUSTOMER ADDRESS CITY UK 10006 31418020 AK 9876543210 KI ING CUSTOMER ADDRESS CITY details 4 EC 0308 ZD 1234567890 ZK 6548468678 AV PAYMENT DETAILS PAYMENT DETAILS PAYMENT DETAILS PAYMENT DETAILS 1 000000000 000 3 000000001 100 ING Online users may upload files in SKI format that contain both requests for direct debit and domestic payment orders In this case the trailer block of the file has to contain information both in the S1 and the S3 lines ING Online User Manual Slovak Republic September 2013 39 International payments International Payment in MT100 File format Figure 44 01 REF123 02 100 00 03 1 04 10500028 05 ING BANK UL ULICA 18 BRATISLAVA 06 USER_SK 07 OB130BINT txt 20 MT100SK_INT 23B FCY 32A 090123EUR100 00 52A D 90000012345 7300 57A BACXBGSF 59 BG90BACX96601021659703 SWEET CORP SWEET STR SOFIA 70 DETAILS 1 DETAILS 2 DETAIL 3 ING Online User Manual Slovak Republic September 2013 40 International payment in Single credit transfer format MT103 The following is an example for an international payment in the Single credit transfer format MT103 Figure 45 01 REF123 02 100 00 03 1 04 10500028 05 ING BANK UL ULICA 18 BRATISLAVA 06 USER_SK 207 OB130BINT txt 20 MT100SK_INT 23B FCY 32A 090123EUR100 00 52A D 90000012345 7300 57A BACXB
32. GSF 57D 59 BG90BACX96601021659703 SWEET CORP SWEET STR SOFIA 70 DETAILS 1 DETAILS 2 DETAIL 3 71A SHA 72 129 ING Online User Manual Slovak Republic September 2013 41 Single European Credit Transfer ING Online users have the possibility to upload SEPA transactions with files prepared in pain 001 001 03 predefined XML format structure A detailed explanation of the file format is given in the Annex to this document Files must contain the Latin character set only commonly used in international communication It has to be noted that Local SK characters are not allowed During the file upload process no detail validation of every single transaction shall be implemented The limited validation shall ensure that the user uploading the file should have the right to upload files with transactions on behalf of the customer which is the account holder of the first ordering account in the file In IOL it is necessary just to have the predefined link between the user and the customer When a file is uploaded only the ordering account of first SCT transaction is checked for the above mentioned right All other ransaction s accounts in the SCT file will be checked at a later stage when the file is processed they should be the accounts of the same Customer as in the first account and the user should have proper rights to initiate SEPA payments from each of them NG Online does not allow for the upload of duplic
33. ING Online User Manual Slovak Republic September 2013 21 International payment The international payment is a transfer of financial funds based on the order of a client of one bank in favour of a client of another bank The payments are carried out through inter bank accounts NOSTRO and LORO accounts of the banks of the sender the beneficiary and if need be the intermediary banks ING Online offers the following form to execute an international payment Figure 26 European Payment INTERNATIONAL PAYMENT Due Date x Due Date Payer g Account No Name Amount Amount Currency Beneficiary Name Street City Country Beneficiary s Bank SWIFT Name Address Town Country Account No Payment Title C E Details of Payment Details of Charges All charges on my account European Payment When making transactions involving EU Member States ING Online users can use this check box as the payment form automatically adjusts to the standard for European payments Detailed description is given in Details of charges Due Date Type of payment Through this combo box ING Online users indicate the urgency of the payment Possible values are Urgent Extra debit today and RTGS Due Date By default the system uses current date which is in the format 01 Jan 2000 Payment orders are accepted with current or future value in
34. Name the name of the payer s bank is automatically filled in by the system on the basis of the entered bank code Symbols Constant the constant symbol indicates the nature of the payment Could be entered or selected from the drop down list Variable Variable symbol Specific Specific symbol Payment Details ING Online users may enter free text in order to provide additional information about the payment Permissible symbols and length of fields Fields Permissible symbols Length of fields Amount 0 9 and the special symbols and Comma or dotacceptedas 18 2 decimal decimal point Account No A Z 0 9 10 24 Date Current date minus 30 days or plus 60 days Names and addresses Q LOCAL_ALPHABETa zA Z0 9 1 35 Bank Code A Z0 9 4 11 Payment Details line 1 Q LOCAL_ALPHABETa zA Z0 9 2 35 Payment Details line 2 3 and 4 _ 0 LOCAL_ALPHABETa zA Z0 9 1 35 Variable 0 9 1 10 Specific 0 9 1 10 Constant 0 9 1 4 Deposit request Figure 25 ING DEPOSITS Due Date 05 Jul 2009 Payer Account No 9000003558 EUR gt Name Amount Currency Deposit Terms Period of Deposit Standard Interest Rate Standard Credit account 9000003558 ING Online users can make deposit requests with the accounts they have rights to do so Deposits are non revolving This means that after the deposit period ends the deposit is not re
35. Personal settings The idea is to group some accounts on the basis of certain criteria and use specific summary options to obtain essential information The balances information can be summarized by Currencies Customers and Branches If a client has some account groups and needs specific information about these groups he has to select one or more groups in the account drop down menu CTRL tclick or SHIFT click for multi selection select desired date or period choose a summary option from the summarize drop down list and click BUM The output screen shows the groups balances summarized by the chosen option The result is converted to the predefined reporting currency Movements ING Online clients find this function quite useful as it gives thorough information for account movements Users can define selection criteria to view different subsets of movements selected by account period of time or even data contained in the payment details The filters area is expandable and offers various filter criteria type of movement debit or credit currency beneficiary amount reference details of payment book date and value date of the payments The field amount is used to enter an amount range in the reporting currency Users have the option to summarize the information for movements according to chosen filter criteria as well as to export it into a downloadable MS Excel file The following table shows an example of a movement report
36. Postal Address The postal address of the debtor Debtor Postal Address Country The country of the debtor according to his postal address Debtor Agent BIC The Bank Identification Code of the debtor Debtor Account IBAN The account number of the debtor Ultimate Debtor Name The name of the ultimate debtor Reporting Purpose of the collection Underlying reason for the transaction as given by the order initiator Optional to be filled in Should users want to enter a code it can be selected from the drop down menu Regulatory reporting code Specifies the nature purpose and reason for the transaction to be reported for regulatory and statutory requirements in a coded form Mandatory for cross border payments The code can be selected form the drop down menu The application fills in automatically its description Remittance Information Remittance information type Users can select one of the two types of remittance information either structured or unstructured In case unstructured remittance information is selected users may enter free text up to 140 symbols When users select structured remittance information they have to comply with ISO 11649 2009 standard which specifies the elements of a structured reference information After filling one set of data users have to save the data through the button Save They shall be prompted to choose whether to save only that set of debtor s data or to save the whole collection
37. Signature 9000010760 1000 00 EUR 0800 99505 5955017 Ben Name 3 i O 16 Feb 2011 16 Feb 2011 407636 Budgetary Payment DELETE gt SELECT ALL gt The function Edit Cancel is used to edit or cancel a particular transaction Upon entering this function users see a list of all documents they have rights to edit In case editing is done after first signature or even after second signature of the transaction the old document remains with status cancelled and a new document is created which has to be signed Again users choose and select the payments they want to edit and click on Edit in the Edit column of the table with payments Cancellation of payments is done accordingly select payments or select all payments through the button Select all and then click on the button SENSES Similarly transaction records may be filtered through the filters box Documentary files The function Documentary Files gives the possibility of file exchange between the Bank and the Customers These files usually deliver additional information about transactions in case of customer to bank files The function Bank to Customer files enables the Bank to publish general information for all customers as well as targeted information on a customer level Customer to bank files As mentioned above ING clients can upload files with information to the Bank in order to fulfil certain legal or business requirements related to transactions Afte
38. Test User 2 21 Apr 2009 laries M 4017 MT103 Path C test_sal txt Apr 200 IV __ salarie Manual creation of packages ING Online application provides the opportunity to manually create packages for the purpose of grouping of transactions according to users criteria Manually created packages are always unlocked If a transaction from the package needs to be modified prior to sending to the Bank then it is automatically cancelled and remains in the package with a status Cancelled while the new transaction derived from the modification gets status New and is not included in the package Manual creation of packages can be done through Transactions Management Transactions By Beneficiary or Transactions By Usem ING Online User Manual Slovak Republic September 2013 53 The process of creation consists of the following steps e Step Users have to expand the filters portlet and choose Add Remove Trx from the Packages item Figure 50 Transactions by Beneficiary Print Help Filters From To Account Date 16 Feb 2011 E 16 Feb 2011 Book Date Currency Reference O Sent Date Status E Type zi Amount O Value Date Ej El Details F with details Beneficiary Packages Show z Show S gt Do not show EXERCE Add Remove Trx COLUMNS 16 Feb 2011 16 Feb 2011 407639 Domestic Payment 9000010760 10 000 00 EUR 7300 0 9000001215 Test Beneficiary 4 Details VAR 1234567890 0308 12345
39. The function Send is used to view and send all documents ready for sending i e documents that already have been signed in accordance with the signing policy of the customer The Send screen lists all documents waiting to be sent to the bank and for which the user has access to the account the payment is linked to and rights to send this type of document Users choose and select payments and click on BEJ Sending of transactions is quite similar to signing of transactions Users can make use of the Select All button up to 250 transactions waiting to be sent Packages informations is not available By default the initial screen displays all transactions with the send check boxes selected Payments waiting to be sent to the Bank can also be filtered in accordance with the criteria in the filters box above the payments area ING Online User Manual Slovak Republic September 2013 60 Edit and cancel Figure 62 Transactions to Edit Print Help Filters From To Account Date 16 Feb 2011 16 Feb 2011 Book Date Type Amount Value Date Currency Reference O Sent Date El E Ej Status Details with details Beneficiary Packages Show D SHOW gt SUMMARY gt EXPORT gt 16 Feb 2011 21Feb2011 407638 Domestic Payment New 9000010760 12 345 54 EUR 3500 1040390919 Ben Name 1 16 Feb 2011 16Feb2011 407637 ala New 9000010779 345 00 EUR SOCBPFTX FR7617469000008500567 Ben Name 2 Edit 7 Signed with First
40. a Depending on the type of the report filters may vary accordingly The Show button presents a screen report that accommodates entered search and filter criteria the Summary button summarizes filtered results in an easy to comprehend report while the Export button creates a MS Excel file containing a report that matches the search and filter criteria The exported file may be opened or saved locally ING Online remembers the last used configuration of the filter box if it has been minimized or maximized and applies this user decision to all filter boxes in the application ING Online filtering capabilities can also enhance the work of users with access to accounts of more than one customer Multiple account selection and multiple customer selection has been greatly improved Users can use many combinations to select all accounts of a customer along with all or some accounts of another customer For example a user with access to three customers may select ING Online User Manual Slovak Republic September 2013 4 e all accounts of Customer A e all accounts of Customer A and all accounts of Customer B e all accounts of customer A some accounts of Customer B and some accounts of Customer C etc Figure 3 Filters From To Account Selected 5 v Book Date 13 Jul 2012 13 Aug 2012 All Customer A BGO2INGB91451000062920 BGO3INGB91451000062918 BG11INGB91451000063562 Customer B BGO7INGB91451111167845 BGO2INGB91
41. a z0 9 A Za z0 9 A Za z0 9 A Za z0 9 A Z0 9 A Za z0 9 A Za z0 9 2 A Za z0 9 2 A Za z0 9 2 A Za z0 9 2 A Za z0 9 A Za z0 9 2 A Za z0 9 A Za z0 9 SMNDA A Za z0 9 2 A Za z0 9 8 70 35 35 70 35 70 34 70 35 10 35 70 35 35 34 8 11 1 140 1 70 ING Online User Manual Slovak Republic September 2013 31 Recurring payment orders ING Online offers the opportunity to create recurring payment orders RPO Recurring payment orders are regularly scheduled payments with fixed amounts and fixed beneficiaries Orders can be set for a period of 2 years and can be executed on a yearly half yearly quarterly monthly or weekly basis The recurring payment order feature of ING Online is available for domestic payments direct debit orders and international payments The feature is a part of the existing single payment functionality and is available to users who have enough rights to initiate single payments The process of creation of a recurring payment order is quite simple The basic idea is to create a payment template according to which the application generates a payment that is going to be executed at regular intervals The process follows five steps e Step 1 As recurring payment order templates can be created for domestic payments direct debit orders and international payments the interactive form
42. accepted lt CdtrSchmeld gt Creditor Scheme Identification lt Id gt Identification lt Prvtld gt Private Identification lt Othr gt Other lt Id gt DE98ZZZ09999999999 lt Id gt Unique identification of the credit party that signs the direct debit mandate lt SchmeNm gt Identification Scheme name lt Prtry gt SEPA lt Prtry gt Name of the scheme must be SEPA lt SchmeNm gt Closing Identification Scheme name lt Othr gt Closing Other lt Prvtld gt Closing Private Identification lt Id gt Closing Identification lt CdtrSchmeld gt Closing Creditor Scheme Identification tag lt DrcetDbtTxInf gt Opening Direct Debit Transaction Information tag lt Pmitld gt Opening Payment ID tag lt EndToEndId gt CUSTREFERENCE lt EndToEndId gt Reference for the unique identification of the transaction lt Pmtld gt Closing Payment ID tag lt InstdAmt Ccy EUR gt 1000 lt InstdAmt gt Amount of the direct debit always expressed in euro lt DretDbtTx gt Direct Debit Transaction lt MndtkitdInf gt Mandate Related Information lt Mndtld gt BE123456789 lt Mndtld gt Reference of the direct debit mandate that has been signed between by the debtor and the creditor lt DtOfSgntr gt 2012 09 11 lt DtOfSgntr gt Date on which the direct debit mandate has been signed by the debtor lt AmdmuntInd gt true lt AmdmntInd gt ndicator notifyin
43. accounting program of the customer All statements for all accounts for each working day for the requested period are downloaded in one file The order of the statements in the files is first sorted by account numbers then sorted by dates The detailed structure of an MT940 text file is covered in the Annex to this document ING Online User Manual Slovak Republic September 2013 7 MT942 file format is used to transmit detailed and or summary information about entries debited or credited to an account for a period of time Figure 6 Account Statements Filters From To Date x z a e a 9000007633 TEST CUSTOMER ONE Ltd SK5173000000009000007633 9000019968 USD TEST CUSTOMER ONE Ltd r SK0773000000009000019968 9000007027 EUR TEST CUSTOMER ONE Ltd m SK2073000000009000007027 9000007940 EUR TEST CUSTOMER TWO SK0773000000009000007940 o In order to download a statement in the different file formats ING Online Users have to select the accounts by clicking in the check box next to the account select the desired date or period and click the corresponding buttons either for MT942 for MT940 or for PDF files Note Please save generated files on your hard drive before opening Financing In the Financing section ING Online users find an overview of details and status from all accounts held with ING Bank for their Deposits Loans Guarantees and Letters of credit All reports under Financing can be filtered by custom
44. aded file Users may filter the packages by name number status date and customer By default the date is the current date Users can review the contents of a package before signing and sending it to the bank Packages Review The function allows reviewing of both types of Packages Locked and Unlocked Packages Sign and Send The function is applicable for Locked Packages only The function is successful if all transaction in the package can be signed by the acting user If the package contain transactions for which the user has no rights to sign or the total sum of payments inside the package exceeds the user s limits then the package can either be signed by other users with sufficient rights and limits or the package should be unlocked and transactions signed individually through Sign in Transaction Management When successfully signed with first signature all transactions and the package get the status Signed with first Signature Even if one transaction in the package needs to have second signature then the whole package needs to be signed with second signature before being sent to the Bank The function Send is based on the same principle as the function Sign either send all transactions in the package or none Note Transactions contained in unlocked packages can be only signed and sent through Transactions Management gt Sign and Send Package Unlock Cancel This menu item allows for
45. ag z lt IBAN gt HU23104040655052656870681005 lt IBAN gt Creditor IBAN lt Id gt Closing ID of creditor account tag g lt CdtrAcct gt Closing Creditor Account tag 2 lt UltmtCdtr gt Opening Ultimate Creditor tag KG lt Nm gt The Ultimate Creditor lt Nm gt Name of the Ultimate party to which an amount of m money is due lt UltmtCdtr gt Closing Ultimate Creditor tag lt RgltryRptg gt Opening Regulatory Reporting Code tag lt Dtls gt Opening Details lt Cd gt 122 lt Cd gt Specifies the nature purpose and reason for the transaction to be reported for regulatory and statutory requirements in a coded form lt Dils gt Closing Details lt RgltryRptg gt Closing Regulatory Reporting Code tag lt RmitInf gt Opening Remittance Information tag lt Ustrd gt 140 long details of payment lt Ustrd gt Details of payment lt RmtInf gt Closing Remittance Information tag lt CdtTrfTxInf gt Closing Credit Transfer Transaction Information tag lt PmtInf gt Closing Payment Information tag lt CstmrCdtTrflnitn gt Closing Customer Credit Transfer Information tag lt Document gt Closing Document tag ING Online User Manual Slovak Republic September 2013 45 European Direct Debit ING Online users can upload European Direct Debit requests using an XML file format Full description of the format is given in the Annex to this document A file containing an XML pain 008 001 02 message has the follo
46. an editable view and users may introduce changes to the transaction e Cancel Cancels the current transaction Users may still find the cancelled transaction using the Transaction Management section in the left side menu of the application Should it be opened again it could only be copied or saved as a template e Save as Template Saves the transaction as a template for further usage This function is covered in detail in the next paragraph e Upload new C2B In case a transactions requires documents to be delivered to the Bank users are given the opportunity to upload these documents and link them to the transaction in question if necessary The function Upload Customer to Bank Files is explained in detail in the section Documentary Files e View C2B files Users may view already uploaded files linked to the transaction in question or check if files are uploaded at all Again this functionality is explained in the section Documentary files e View RPO Shedule This link is visible only in case of recurring payment order templates Users are directed to the recurring payment orders report where all templates for recurring payment orders can be reviewed e Sign Sign the current transaction e Send Send the current transaction to the bank for processing Track changes Information for all payments entered in ING Online is kept in the register of payments All information about transactions including who ha
47. ast closed balance and Advices for the executed movements during the day This information is preliminary and advisory information and is marked with A in column of the presented report The balance information for previous working days is based on the Account Statements loaded in ING Online from the Back office systems The Balance information based on the Account statements is marked with S in column The table below illustrates the structure of the balance report generated by the application Figure 4 Account i Credit Intraday XXXXXXXXX1 USD 20 May 2008 999 999 999 00 10 300 00 999 999 999 00 XXXXXXZZX2 EUR 19 May 2008 999 999 999 00 30 000 00 999 999 999 00 999 999 999 00 999 999 999 00 U gt Additionally all users may select specific filtering of data a single account balance or all accounts balances for any period of time or on any given date Example In order to obtain information for the balance of an account for the period 9 12 December 2008 the customer has to select the desired account from the drop down menu then select 9 December 2009 in the first date filed and 12 December 2009 in the second date field and click ESIB The output screen shows the balances for that specific account during that period day by day ING Online User Manual Slovak Republic September 2013 5 q he information for accounts balances can be sorted by clicking on the column headings in the table Inf
48. ate SCT files This is done through a hash check of uploaded files All uploaded SCT files must have uniques hash values This is done when the user processes the uploaded file At the moment of processing the relevant checks will be done and all correct payments from the file will be saved in the database When errors in the input file are detected the user will see an explanation of all errors on the screen These errors will not be shown to the user during File upload but when the file is to be processed A file containing an XML pain 001 001 03 message has the following structure lt xml version 1 0 encoding ISO 8859 2 gt lt Document xmlIns xsi http www w3 org 2001 XMLSchema instance xmlns urn iso std iso 20022 tech xsd pain 001 001 03 gt message content lt pain 001 001 03 gt lt Document gt The message is composed of 3 building blocks Group Header This building block is mandatory and present once It contains elements such as Message Identification Creation Date and Time Grouping Indicator The group header contains information about the number of payments in the file as well In the example below the Group Header block is coloured in Payment Information This building block is mandatory and repetitive It contains elements related to the debit side of the transaction such as Debtor and Payment Type Information also one Transaction Information Block In the example coloured in
49. case future value does not exceed 30 business days from the current date a Payer Account Number users have to select an account they are registered with from the drop down list Note When making a transfer in a currency different from the currency of the payer s account the system uses automatically the official exchange rate of the Bank Name the system automatically fills in these fields with information for the customer available in the bank Amount Amount The amount of the transfer expressed in the foreign currency must be specified The amount must be filled in without any delimiters for the thousands The delimiters and are interpreted as delimiters between the integer part and the ING Online User Manual Slovak Republic September 2013 22 fractional part Currency The currency for the transaction has to be selected In case of European payments the currency field may not be altered It is always EUR Beneficiary Name the name of the recipient of the transfer must be filled in Street the address of the beneficiary of the payment City the city of the beneficiary Country the country of the beneficiary has to be chosen from the drop down list or users may enter the country code manually Beneficiary Bank SWIFT the SWIFT code of the bank of the beneficiary Name the beneficiary name has to be filled in this field Street the address of the beneficiary of the payment Town th
50. ctions VIEW 368 C SPM pdf Accepted 1 Inv x Test user 1 08 Mar 2009 10 41 49 Test user 1 08 Mar 2009 10 42 12 Test user 2 08 Mar 2009 10 46 40 Test user 2 08 Mar 2009 10 46 59 10 Mar 2009 Test Company Invoices 865 Invoice 345 768 OK View Upload new C2B Upload new C2B to Payment The buttons View and Upload new C2B are always active even if the file is already accepted or rejected by the Bank If the file is linked to a transaction then the button Upload new C2B to Payment is also active This gives the opportunity to easily upload a new file linked to the same payment The functionality of the View screen is relative to the status of the uploaded file Users may sign send cancel or upload new files linked to the respective payment Additionally all information about an uploaded file is given in a detailed view If an uploaded file is linked to a payment the reference number of that payment is active A click on the reference number directs the user to the transaction screen where all applicable actions with transactions can be executed Users may also change delete or add the file to a group Once in status Sent C2B files cannot be cancelled by the user ING Online User Manual Slovak Republic September 2013 64 Bank to customer files The function Bank to Customer provides for the upload of files from the Bank to the Customer In this section users find information announcements ne
51. d in a table with column headings indicating the status of the file its ID the reference number of the payment the file is linked to if linked file name the SHA1 checksum of the file the name of the user that has uploaded the file the names of the users that have signed and sent the file to the bank and comments from the customer or the Bank regarding the file content if any In case of rejection of the file the Bank is obliged to communicate the reason with the customer The check boxes in columns Sign and Send are used to sign and send the files Users may place a check in one or more boxes and click EER or to sign or send checked files All uploaded files for a customer can be downloaded and viewed by any user with the rights to upload sign and send C2B files for that customer The file name is blue and active and a click on it would bring up a download box An uploaded file can be cancelled any time prior to sending it to the Bank only by the user who has uploaded it ING Online User Manual Slovak Republic September 2013 63 The ID of the uploaded file is a link to detailed information about the uploaded file Figure 67 File Info Action Id Path Status Group Uploaded by Uploaded on Sign 1 by Signed with first signature on Sign 2 by Signed with second signature on Sent by Sent on Expires on Customer Name Document type RefNo Cust Comment Bank Comment A
52. d the value is NONREF Operation Type Transaction Type code NTRF Fund Transfer NLDP Loan or Deposit NFEX Foreign Exchange NMSC Accounting NSEC Capital Market NMSC Miscellaneous Statements In this section ING clients have the opportunity to obtain account statements sent by ING Bank Users may preview the statements on the screen or print them in HTML format Generated statements cover account activity on a daily basis Statements include the opening and closing daily balances debit and credit turnovers and a detailed description of account movements post date value date transaction details debit and credit details and references ING Online users may generate account statements for any period not longer than 30 days Account statements can be downloaded as a MT940 SWIFT format file Portable Document Format PDF file or in MT942 file format Generation of statements in PDF format takes longer than generation of statements in HTML format The process is asynchronous and the user may explore other functions of the application meanwhile and return back to download the generated statements in PDF format Generated PDF files are digitally signed with a technical certificate issued by ING PKI Both PDF and printed statements contain six items per sheet Account statements are also generated as downloadable text files in MT940 format and may be directly imported in the
53. e the names of their accounts and assign them to groups they can comfortably work with later Users may also define and ING Online User Manual Slovak Republic September 2013 3 save templates for their transactions Another powerful feature of ING Online is the introduction of a reporting currency ING Online users may select a reference reporting currency and keep track of multiple currency accounts in uniformity Security is one of the keys to the success of ING Online User access is protected from unauthorized logon by advanced protection methods such as strong encryption technology digital certificates and smart cards protected with PIN ING Online strictly complies with local regulations and standards Therefore the application for each country includes specific features to best comply with local legal requirements and customers needs Country specifics are covered in the Annex to this document News ING keeps its customers informed on important general and personal news topics Rates Here ING customers have direct access to the foreign exchange rates of ING bank as well as the actual fixing rates of the local national bank The actual exchange rates of the national bank are applied when reporting in different currencies Account information After a successful logon with a click on account information in the left menu of the application users may choose among four different ways to obtain information for their accounts ING Onli
54. e town of the beneficiary Country the country of the beneficiary bank has to be chosen from the drop down list or users may enter the country code manually Account Number the account number of the beneficiary with his bank is mandatory to be filled in Note the check box if the account number is a valid IBAN When the payment is an European payment the IBAN box is always checked Users may enter only a valid IBAN in the account field Payment Title Users may select the payment title from the drop down list or enter the code of payment manually Details of Payment Details of payment users may fill in detailed information for the specific payment The length of the fields is 35 permissible symbols except for the fourth row which can take up to 30 symbols Details of Charges This field specifies who will bear the cost of the transfer fee The options for transfer charges are shared SHA all charges for he ordering party OUR and all charges for the beneficiary BEN his field specifies who will bear the cost of the transfer fee The options for transfer charges are shared SHA all charges for he ordering party OUR and all charges for the beneficiary BEN As of lst November 2009 the EU Payment Services Directive 2007 64 EC OJ L 319 enters into force Article 52 2 of the Payment Services Directive mandates the sharing of charges between the payer and the payee for all payment transactions pure national or cross b
55. elect Customer Group Link to payment number Document type File description Please select file max 3Mb Browse _ Use document type and file description for all uploaded files Here users have to select a customer choose the document type type a brief file description optionally select the file for upload by clicking on Browse and upload it through the Upload button The payment reference number is automatically filled in if users choose Option 1 With Option 2 users have to manually enter the reference number of the transaction they want to link the uploaded file to Should users choose to upload a file not particularly linked to a payment they may not enter a reference number but in this case the uploaded file can no longer be linked to a transaction Another handy feature of ING online is the possibility to upload multiple files simultaneously This can be achieved after clicking on the Add button A new form for uploading a file shall open and users can browse for the next file to upload see Fig 65 Users may upload up to five files at once The total size of uploaded at once files cannot exceed 5Mb If the check box Use document type and description for all uploaded files is checked the application shall apply the same type and description for all uploaded files Figure 64 Document type File description Please select file max 3Mb Browse Users may opt to group up
56. ement users can create groups of accounts to facilitate the process of report summarization The function is also useful for statistical purposes With this function users have the possibility to create a new group edit existing groups names or delete groups Assign to group Through the function Assign to Group users assign accounts to the specific group they have already created The application offers possibility to add to a group or remove accounts from groups at any time Users simply select the accounts they want to add or remove and click the buttons or E Settings Under Settings ING Online users set the number of displayed rows in a page per different reports or functions such as Sign or Edit Users also indicate a Reporting Currency the currency code in which their reports are displayed Another setting that can be altered is the option for displaying default values in payments Personal settings are saved through the button EWES ING Online User Manual Slovak Republic September 2013 67 Security Under this element of the menu ING Online users receive information about important security issues and advice on the best ways to securely instruct transactions Here users may change their passwords and secret questions and answers view information about the digital certificates and get help Important information ING Online users are presented with security information and safety measures when using the application Change
57. er currency type amount range date range contract number deal date and maturity date Additionally reports can be summarized and exported in a MS Excel file Deposits Under Deposits users acquire up to date information about their deposits with ING Bank This information includes details about the type of deposits starting date and ending date in case of term deposit interest rates and due interest at the moment as well as amount and currency of the specific deposit Users may sort this information according to all details for their deposits and print it in HTML format through the print button in the top right corner of the page The date of maturity of the deposit is marked red should the deposit is going to mature in 7 days or less Figure 7 Deposit Request Filters From To Customer All Date 16 Feb 2011 16 Feb 2011 Deal date Currency Il z Amount Maturity date Type All a Contract No Customer ID Contract No asof v Amount Currency Interest Rate Current interest Deal Date Interest at Maturity FINE TOOLS LD00213058 10 Nov 2010 11 000 000 00 BGN 3 300 0 00 Term deposit 14 Nov 2009 10 Nov 2010 1 008 33 FINE TOOLS LD00113380 10 Nov 2010 222 542 20 EUR 2 300 0 00 Deposit Taken Fixed 31 Jul 2009 31 Jan 2007 2 616 11 ING Online User Manual Slovak Republic September 2013 8 Loans Similarly with Deposits under the Loans tab ING Online customers have the opportunity to check the status of the
58. et questions and answers 68 Index 69 w Your gateway to C Eastern Europe ING Online is a sophisticated Internet browser based banking service for the Central and Eastern Europe CEE region ING Online fully supports all features required to manage liquidity and working capital varying from domestic and cross border payments to foreign exchange dealing ING Online provides up to date transaction information and balance reporting This Online user Guide is for the customers of the bank and describes ING Online functionality for end users ING Online Your benefits ING Online has been developed in order to help the customers of ING Bank to run their business more efficiently and increase their corporate performance Using the latest web technology ING Online offers more dexterous financial control mobility and comfort to customers in carrying out banking operations with our bank using proven and highly secure methods Figure 1 ING ONLINE SLOVAK REPUBLIC Home ingonline com ing com Contact Us Security Legal Information ENGLISH SLOVENSKY gt Home ING Online Profile Security Information Exchange Rates Against EUR gt News Welcome Currency Buy You are successfully logged in ING Online wholesale banking application If you have problems during the signing please click here 1 6130 1 6366 1 5883 gt Rates Please remember it is necessary to perform the following three steps to initiate Your last login was on 16 Sep 2010
59. f a structured creditor reference information It has to be noted that currently no templates can be made and used for SCT payments However recurring payment orders can be generated Permissible symbols and length of fields Fields Permissible symbols Length of fields Amount 0 9 and the special symbols and Comma or dot 8 2 decimal accepted as decimal point Creditor Account IBAN A Z0 9 5 31 Creditor Agent BIC A Z0 9 4 11 Creditor Name line 1 A Za z0 9 10 Creditor Name line 1 A Za z0 9 10 End to End Identification A Za z0 9 35 Requested Execution Date Date in the period minus 5 days and up to 365 days from current date Structured Remittance Information 0 9A Za z 25 Names addresses and details of payment 0 a zA Z0 9 35 Ultimate Debtor Name A Za z0 9 140 Ultimate Creditor Name A Za z0 9 140 Unstructured Remittance information 1 line A Za z0 9 70 Unstructured Remittance information 1 line A Za z0 9 70 Unstructured Remittance information 2 line A Za z0 9 70 ING Online User Manual Slovak Republic September 2013 26 European Direct Debit The European Direct Debit Standard product is intended for collections involving all customer segments The European Direct Debit product is based on the four corner model Figure 29 2 Pre notification Debtor Creditor 1 Signed Mandate C
60. for signing and sending If users choose to save temporarily the payment they can proceed to add another set of debtor s data Finally when the collection is complete they can save the whole collection and proceed to signing and sending the transaction Permissible symbols and length of fields Fields Permissible symbols Length of fields Creditor Name A Za z0 9 1 70 Creditor Postal Address A Za z0 9 1 70 Category Purpose code A Z 4 Charge Bearer SLEV 4 Requested Collection Date Current date plus 183 days End To End Identification A Za z0 9 1 35 Electronic Signature Data A Za z0 9 1 35 ING Online User Manual Slovak Republic September 2013 30 Fields Permissible symbols Length of fields Creditor Scheme Identification Id Ultimate Creditor name 1st line Ultimate Creditor name 2nd line Mandate Identification Debtor Name Ist line Debtor Name 2nd line Debtor Postal Address Debtor account IBAN Ultimate Debtor name 1st line Ultimate Debtor name 2nd line Regulatory reporting code Original Mandate Identification Original Creditor Name 1st line Original Creditor Name 2nd line Original Creditor Scheme Identification Original Debtor Account Original Debtor Agent BIC Original Debtor Agent Unstructured Remittance information 1 line Unstructured Remittance information 2 line A Za z0 9 A Za z0 9 A Za z0 9 A Z
61. format MT103 UTF 16 Salary Payments CSV Salary Payments SKI e SKI File format Domestic payments e Direct debit e MT100 file format e Domestic Payments International Payments e Single credit transfer format MT103 e Domestic Payments International Payments e Salary payments in CSV and SKI file format All files are text files and can contain more than one transaction In such cases the total count and the total amount of transactions in an uploaded file are validated ING Online User Manual Slovak Republic September 2013 35 Domestic payment in SKI file format ING Online users can upload two types of payments in SKI file format domestic payments and direct debit transactions The structure of the SKI file format is the following Here is an example of a domestic payment in the SKI file format Detailed specification of the format is given in the Annex to this document Figure 40 HD 11 030217 7300 1 7300 KC 100 000000 EUR UD 0 9000010066 AD 9876543210 DI ING CUSTOMER ADDRESS CITY UK 10006 31418020 AK 9876543210 KI ING CUSTOMER ADDRESS CITY details 4 EC 0308 ZD 1234567890 ZK 6548468678 AV NORMAL LCY PAYMENT FROM ACC 9000010066 TO ACC 10006 31418020 KS308 VS1234567890 SS9876543210 1 000000001 100 3 000000000 000 ING Online User Manual Slovak Republic September 2013 Payment Type 11 for normal transfer 01 for urgent transfer Date YYMMDD
62. g whether the underlying mandate is amended or not lt AmdmuntInfDtls gt Amendment Information Details lt OrgniMndtld gt Mandate lt OrgnlMndtld gt Original mandate identification that has been modified lt OrgnlCdtrSchmeld gt Original creditor scheme identification lt Nm gt Original Creditor Name lt Nm gt Original creditor name that has been modified lt Id gt ID lt Prvtld gt Private identification lt Othr gt Other lt Id gt DE98ZZZ09999999999 lt Id gt Original creditor scheme identification that has been modified lt SchemeNm gt Scheme name lt Prtry gt SEPA lt Prtry gt Original creditor scheme identification that has been modified Value must be SEPA lt SchemeNm gt Closing Scheme Name lt Othr gt Closing Other lt Prvtld gt Closing Private identification tag lt Id gt Closing ID lt OrgnlCdtrSchmeld gt Closing Original creditor scheme identification lt OrgnlDbtrAcct gt Original Debtor Account lt Id gt ID lt IBAN gt BG51INGB91459000270316 lt IBAN gt IBAN of the original debtor account that has been modified TRANSACTION INFORMATION ING Online User Manual Slovak Republic September 2013 48 lt Id gt Closing ID lt OrgnlDbtrAcct gt Closing Original Debtor account lt OrgnlDbtrAgt gt Original debtor s agent lt FinInstnId gt Financial Institution lt BIC gt INGBSKBX lt
63. he new certificate users have to log in with it and edit the RPO template e Revoked certificates Certificates are usually revoked in cases of blocked or lost smart cards deactivation of users etc e Changes in the signing policies on customer account or user level The application also sends a warning message in the News section 14 days before the expiry of certain recurring payment orders ING Online User Manual Slovak Republic September 2013 34 Files upload In this section users of ING Online can upload files with transactions in different formats The function Upload validates the content of the file according to selected type of payments and the file is accepted or rejected depending on the results of validation All upload files are text files Usually the Upload function is used for uploading files generated by the company s accounting system After selecting a file to be uploaded and its type users click the Upload button Every file contains data for one company only When uploading the file the system formally controls the file format and the access rights Upon successful upload the file appears in the Processing menu Upload formats ING Online Banking provides for the upload of the following types of files Figure 39 File Upload Please select type of the file Domestic Payment x Please select file max 5MB Domestic Payment MT100 International Payment Single credit transfer
64. hown is the current date Payments with future value are accepted only if the due date does not exceed 60 days from the current date The drop down menu offers a smart calendar for easy operation Payer Account number The number of the payer s bank account from which the money is to be paid The account can be chosen from a list of all the accounts for which the user has the right to initiate domestic payment orders Name These three fields contain details for the ordering party name address and city These fields are input by the application on the basis of the information for the company in the bank Amount Amount the amount of the transfer expressed in EUR must be specified The amount must be filled in without any delimiters for the thousands The delimiters and are both interpreted as delimiters between the integer part and the fractional part Currency the field for currency cannot be changed Its value is EUR as the payment is domestic Beneficiary Name the beneficiary name has to be filled in this field Street the field is used to enter the address of the beneficiary ING Online User Manual Slovak Republic September 2013 16 City the city of the beneficiary Beneficiary Bank Prefix Beneficiary bank prefix Account No the account number of the beneficiary must be filled in Bank code Users may enter the bank code manually or choose it from the drop down list Name the name of the benefic
65. ia the Clearing amp Settlement Mechanism CSM to the Debtor Bank 5 The Debtor Bank may optionally advise his client about this collection so the Debtor can refuse it if not correct 6 On the due date D the Debtor Bank will debit the account of the Debtor T The settlement between Debtor Banks and Creditor Banks takes place via the CSM 8 As a final result the Creditor Bank will credit the account of the Creditor With the European Direct Debit EDD ING offers its customers a payment instrument for making both domestic and cross border collections in euro in a similar way throughout the 32 SEPA countries The current SEPA area encompasses the 27 European Union EU member states together with Iceland Liechtenstein Norway Switzerland and Monaco The following prerequisites must be fulfilled so that an EDD can be initiated e European Direct Debit only applies to transactions in euro European Direct Debit collections are only allowed on current accounts AtING the current account must be denominated in euro The Debtor and the Creditor must each hold an account with a credit institution located within SEPA area ING Online User Manual Slovak Republic September 2013 27 IBAN International Bank Account Number and B identifiers for both domestic and cross border SEPA transactions Manual capture Figure 30 ING Control Control Sum Number of transaction
66. iary bank is automatically filled in by the system on the basis of the entered bank code Constant Symbols Constant the constant symbol is an optional appendage to a payment order It denotes the purpose of the payment and is used in the system of payment in the Slovak Republic implemented between domestic accounts The obligation to denote the constant symbol applies to debit or payments to the credit of the state budget Clients have the constant symbol prescribed by the applicable office or institution such as tax administration recipient of payment The constant symbol indicates the nature of the payment Could be entered or selected from the drop down list Variable Variable symbol Specific Specific symbol Payment Details ING Online users may enter free text in order to provide additional information about the payment Permissible symbols and length of fields Fields Permissible symbols Length of fields Amount 0 9 and the special symbols and Comma or dotacceptedas 18 2 decimal decimal point Account No A Z 0 9 10 24 Date Current date minus 30 days or plus 60 days Names addresses details of Q LOCAL_ALPHABETa zA Z0 9 1 35 payment Bank Code A Z0 9 4 11 Constant 0 9 l 4 ING Online User Manual Slovak Republic September 2013 17 Foreign exchange ING Online users may use this function for foreign exchange deals In order to do this users need to have accounts in the respective currencies
67. ined format Therefore data sent to ING must comply with the set requirements for this format ING Online intuitive and easy to use interactive transaction forms actually transform user input data into this strict system file format The basic idea is that every single record in the transaction form is assigned to its own designated field in the system format and these fields are validated against their presence and correctness Validating rules vary among countries due to national requirements though some common validations apply fields for account name and name of beneficiary are always validated etc These rules are explicitly covered in the Annex to this document Figure 11 In case of noncompliance with the validating rules the application generates an error report in a red box above the transaction form that contains a detailed explanation for the type of errors occurred and highlights the corresponding fields Additionally this report contains a list of the valid The following validation error occurred Invalid characters in field Beneficiary s Name he valid characters are abcdefghijkimnopqrstuv xXyZABCDEFGHIJKLMNOPQRSTUVWXYZAB BrOEX3UAKNMHONPCTYOXUYWWbbW Aas BTOeEKSUHKNMHONPCTYPOxuywuMbswn0123 45 6789 space DOMESTIC PAYMENT Date sips pe RINGS Date 15 May 2013 v symbols for the specific field so that users can easily orient and correct their mistake The Beneficiary k r Benefcia
68. ir credit relations with ING Bank Information about loans include starting and ending dates credit type and interest rates due interest and due principal amount and currency Functionality of this section includes sorting and printing of desired information Again the maturity date of the loan is marked red when the loan is going to mature in 7 days or less from the current date Figure 8 Filters From To Customer Date 16 Feb 2011 gt 16 Feb 2011 Deal date Currency E Amount Maturity date Type zl Contract No SHOW gt EXPORT gt FINE TOOLS LD00212949 23 Mar 2011 116 264 06 EUR 5 568 15 Dec 2006 116 264 06 0 00 116 264 06 Loan Discount 13 Nov 2009 15 Dec 2011 FINE TOOLS LD00211962 23 Mar 2011 3 592 922 35 EUR 8 381 30 Nov 2006 0 00 25 093 57 25 093 57 Loan Variable Rate 31 Oct 2009 29 Dec 2011 Guarantees In this section ING Online users obtain existing information about guarantees issued by ING on their behalf Details include contracts date of issuance type of guarantees amount currency and period of validity The end date of a guarantee is marked red when it is 7 days or less near the current date Figure 9 Guarantees Filters From To Customer x Date 16 Feb 2011 zl 16 Feb 2011 x Deal date Currency z Amount Maturity date Type All Contract No SUMMARY gt EXPORT gt FINE TOOLS LD00162341 23 Mar 2011 29 150 000 00 EUR Guarantee issued 27 Dec 2006 27 Dec 2011
69. items first The option Summary creates a summary of transaction records by Type of payment Ordering Account Currency Amount and Count of payments as shown below considering all filtering applied previously Figure 56 me omaa rear aom cone Domestic Payment 9000003588 EUR 345 00 1 Foreign Exchange 9000013174 USD 12 345 54 1 International Payment 9000009889 EUR 10 045 54 1 Direct Debit 9000215667 EUR 22 382 67 1 Users may sort this information by all column headings and apply all filters in the same manner as described above The Print button in the upper right corner of the application creates a Printer friendly overview Only the transactions on the current page on screen are sent to the printer This may be less than the total of all filtered transactions In this case if a user wants to print all filtered transactions the setting for the number of transactions on one page must be increased via Personal Settings Settings Rows in Transactions by User management of reports ING Online User Manual Slovak Republic September 2013 57 ING Online offers user management of displayed reports Currently users can manage Transactions by Beneficiary and Transactions by User reports Users can modify the reports by choosing which columns from the report to be displayed on the screen The button COLUMNS above the right end of the table triggers a small pop up window where users may cho
70. kages Unlocked packages may contain transactions grouped by user defined criteria irrespective of transactions current status Thus unlocked packages may consist of transactions with New Signed with Sent or even Cancelled status For Unlocked Packages it is allowed to modify transactions as well as add remove or cancel transactions Unlocked packages can be signed and sent through Transaction Management Sign and Send Unlocked packages are marked with B next to the type of payment Creation of packages ING Online users can create packages manually or by uploading files with transactions Packages from uploaded files As explained in Files Upload all transactions uploaded with a file become a package of transactions The default name of the package is the file name of the uploaded file When processing the uploaded file users can give an alias or a friendly name for the package If users place a tick in the Locked Package box when processing the uploaded file then the created package will be a locked package otherwise it will be an unlocked package Figure 49 Processing Print Help Filters From To Date 21 Apr 2009 21 Apr 2009 B File Info Uploaded By Locked package Name F8226 test text 668 bytes SHA1 Checksum Test User 1 21 Apr 2009 13 09 16 4016 MT100 Path test txt Yes Payments 1 No Total 10 Accepted 1 Rejected Name F8227 test_sal text 885 bytes SHAI Checksum
71. l Institution lt BIC gt BBRUBEBR lt BIC gt lt FinInstnId gt BIC of financial institution Closing Financial Institution lt DbtrAgt gt Closing Debtor agent ES Dbtr gt Debtor lt Nm gt Debtor lt Nm gt Name of debtor lt PstlAdr gt lt Ctry gt BE lt Ctry gt Postal address Country of debtor lt AdrLine gt Address line of the debtor lt AdrLine gt Address line of debtor lt PstlAdr gt Closing Postal address lt Dbtr gt Closing Debtor lt DbtrAcct gt Debtor account lt Id gt D lt IBAN gt SK2773000000009000019220 lt IBAN gt IBAN of debtor lt Id gt Closing ID lt DbtrAcct gt Closing debtor account lt UltmtDbtr gt Ultimate debtor lt Nm gt Ultimate Debtor Name lt Nm gt Name of ultimate debtor lt UltmtDbtr gt Closing ultimate debtor TRANSACTION INFORMATION Uploaded file in XML format Description of tags lt PmitInf gt Closing Payment Information tag lt CstmrCatTrfinitn gt Closing Customer Credit Transfer Information tag lt Document gt Closing Document tag ING Online User Manual Slovak Republic September 2013 50 Salary payments ING Online accepts upload of files with salary payments Currently two types of file formats can be used text files in a csv file format using semi colon as delimiter between the fields and
72. learing amp Settlement Mechanisms 3 Collection initiation 8 Credit Account 6 Debit Account Sei n Q 3 joy Q eA g O 2 3 0 O O Te 4 Interbank msg 4 Interbank msg 1 A mandate is issued by the Creditor to the Debtor for the Debtor to complete sign and return to the Creditor A mandate is the authorisation given by the Debtor to the Creditor to initiate collections by debiting the specified Debtor account as well as the authorisation given to the Debtor Bank to debit the Debtor account in accordance with the instructions of the Creditor The mandate can be given for both one off and recurrent direct debits 2 When initiating a payment the Creditor is required to send a pre notification to the Debtor containing details of the payments he intends to collect for recurrent payments one pre notification can be made for a series of collections A general rule is that this has to be sent 14 days before the due date settlement date debit date book date but Creditor and Debtor can agree on a different timing The creditor should be advised to fill in e the Creditor ID e the Mandate Reference e the Exact amount e the Debit date 3 The Creditor submits to his bank the collection request including the electronic data from the mandate mandate related information or MRI which includes mandate ID date of signature and Unique Creditor ID 4 The Creditor Bank forwards the collection and the MRI v
73. lication generates an error report and notifies all users involved through the News menu item of ING Online A payment order may not be created due to the following reasons e Insufficient limits User limits are restored at 00 00h The recurring payment orders are usually collected at the same time If a user has signed a transaction or transactions the previous day that have not yet been sent the sum of these transactions will occupy limits for the current day Unsent transactions from the previous day have priority over payments from the current day Thus it can be arrived at a situation where some daily limits are going to be insufficient for the successful creation of orders under RPO templates e Invalid certificates When one of the certificates used in the creating signing or sending the RPO template is invalidated during the active period of the RPO the next payment order under this RPO template will not be created In these cases the RPO template must be edited signed and sent using the new certificate s in order to be correctly executed The certificates can be invalidated when they expire or are being revoked e Certificate expiration The user certificates used to access ING Online are issued by default for two years 14 days prior to the certificate expiration ING Online generates a message in the News section of the application on a customer level with a warning for certificate expiration After receiving t
74. loaded files This allows for group signing and sending of files In this case they have to either create a new group or choose a group previously created Groups are created on a customer level Two different customers cannot share a group Groups are created similarly to manual package creation Users have to click the small arrow in the box next to Group and the application shall display all groups of uploaded files created for this customer Users may choose an existing group from the drop down list and it shall automatically be applied to the uploaded file If users choose to create a new group they have to only type the name of the group in the box Add new group here and click the Add button as shown below Figure 65 Add new group here Invoices Scans Docs Misc Each group of files shall have an unique number automatically assigned by the system When uploading multiple files at once hey cannot be set to different groups each They shall share the same group if grouping is applied Later they can be removed ING Online User Manual Slovak Republic September 2013 62 from group assigned to a different or a new group The uploaded file s can be found signed optionally and sent under the submenu Customer to Bank Once sent C2B files cannot be cancelled Figure 66 Customer to Bank Print Help Filters Document type yl Date z O with expired Status ql Ref No Customer Name z File Info
75. mbol Constant symbol Specific symbol Details All fields are mandatory to be filled in except for the fields for Beneficiary account pre fix Variable symbol Constant symbol Specific symbol and Details which are optional Fields are separated with the semi colon character Every salary record starts on a new row separated with lt CR gt lt LF gt sequence The following is an example of a file with salary payments for two employees Beneficiary Account Variable Jakub Skovajsa 1000 00 7990 19 1011003906 2058 9 14 January salary Petr Zajic 2000 00 8100 8 1011005555 1500 485 52 January salary Salary payments in SKI file format follow the same format requirements as described in the section for upload of domestic payments in SKI file format Detailed description of fields type length and permissible symbols is given in the Annex to this document ING Online User Manual Slovak Republic September 2013 51 Processing of uploaded files Users have to process the files after upload so that the payment details from the uploaded file are unpacked extracted and transformed into transactions The options for modifying a transaction that is uploaded with a file are the same as the options for manually captured transactions In case of upload of identical files identical content and not file names the application warns the users that a file containing the same information has already been uploaded irrespective of file being
76. means of payment that will be used to move the amount of money In this case DD stands for Direct Debit lt BtchBookg gt true lt BtchBookg gt Identifies whether a single entry per individual transaction or a batch entry for the sum of the amounts of all transactions in the message is requested lt NbO fTxs gt 1 lt NbOfTxs gt Number of credit transactions in this block lt CtrlSum gt 1000 lt CtrlSum gt Control sum of transactions in this block lt PmtTpInf gt Opening Payment Type Information tag Set of elements that further specifies the type of transaction lt SvcLvl gt Service Level Code lt Cd gt SEPA lt Cd gt Identification of a pre agreed level of service between the parties in a coded form lt SvcLvl gt Closing Service Level Code lt LclInstrm gt Identification code of the Scheme Z lt Cd gt CORE lt Cd gt Identification of a CORE Scheme for Direct Debit e lt Lellnstrm gt Closing Identification code of the Scheme lt SeqTp gt FRST lt SeqTp gt Identifies the direct debit sequence first recurrent final or one off m lt CtgyPurp gt Category Purpose code 2 lt Cd gt TREA lt Cd gt Specifies the high level purpose of the instruction ra based on a set of pre defined categories Only INTC and TREA are allowed a lt CtgyPurp gt Closing Category Purpose code l
77. ments resulting from the execution of the recurring payment order can be found under Transaction management A little icon next to the payment record distinguishes the recurring payment from other payments The status box of the recurring payment also clearly indicates that this payment is recurring Figure 37 Status Entered by Test ING Online user 01 Jul 2009 00 12 21 No 100743 Sign 1 Test ING Online user 01 Jul 2009 00 12 21 Status Sign 2 Another Test ING Online user 01 Jul 2009 00 12 21 Registered in the bank Sent by Another Test ING Online user 01 Jul 2009 00 12 21 Recurring Payment Order l he status box of the templates for recurring payment orders accordingly contains the words Recurring Payment Order Template Figure 38 Status Entered by Test ING Online user 01 Jul 2009 09 45 21 No 365 Sign 1 Test ING Online user 01 Jul 2009 09 47 35 Status Sign 2 Another Test ING Online user 01 Jul 2009 10 12 31 Registered in the bank Sent by Another Test ING Online user 01 Jul 2009 10 14 02 Recurring Payment Order Template Generated payments as a result from a recurring payment order template are signed and sent with the same signatures as the RPO template Thus it affects the daily limits of all signatories of the order as well as the corresponding customer and account limits as a normal payment order If due to some reason a payment is not generated in accordance with a RPO template the app
78. most of it Transactions can be easily signed and sent in bulk as well as modified Users can define selection criteria to view different subsets of transactions selected by account period of time type and status of payments payment details currency beneficiary amount reference and dates Users may also choose whether to view packages or not The field Amount is used to enter an amount range and the currency for that amount is the reporting currency Users have the option to summarize the information for their transactions according to chosen filter criteria as well as to export it into a downloadable MS Excel file All reports in Transaction Management are limited to six month period Transactions by beneficiary Figure 55 Transactions by Beneficiary Print Help Filters From To Account Date 16 Feb 2011 16 Feb 2011 Book Date Type Amount O Value Date Currency Reference O Sent Date Status Details O with details Beneficiary Packages Show x COLUMNS emeren Jvatedate reference frype sts rromaccount amount currency sensank code Benenciary acount Beneiclay Home 16 Feb 2011 16 Feb 2011 407639 Domestic Payment New 9000010760 10 000 00 EUR 7300 0 9000001215 Test Beneficiary 4 Details VAR 1234567890 0308 1234567890 9876543210 TEST LCY INTRABANK PAYMENT IN MT100 16 Feb 2011 21 Feb 2011 407638 International Payment Sent 9000010779 12 345 54 EUR INGBSKBX BG80BNBG96611020345678 Test Beneficiary 2 De
79. mount must be filled in without any delimiters for the thousands The delimiters and are interpreted as de Currency the currency in which the utilized amount is denominated in The account that the funds will be utilized through m date of conclusion of the loan contract Maturity date the date on which the money wil Draw down date the date on which the client wants to utilize the funds it m Rate a choice is given between the interest rate agreed upon for the entire ust be the same be repaid for the current advance object of this request Please Credit Account n the latter case the client m imiters of the integer part from the fractional part currency of denomination of the amount and of the ust be prior to the repayment date and after the oan and the interest rate agreed upon specifically ust fillin the appropriate interest rate Account number The number of the client s bank account into which the requested loan must be received This account can be chosen from a list of all the accounts from which the user has the right to initiate draw down requests Name filled in by the system based on the account chosen it is the name of the holder of the account ING Online User Manual Slovak Republic September 2013 24 Single European Credit Transfer Since the establishment of the Europea the Single Euro Payments Area SEPA customers to make cashless euro paym set of pa
80. n s Name ee a A a Beneficiaryis Resident with validation errors in the field Beneficiary s Name and the error report contains the description of the error When hovering over the error description the mistaken field is highlighted and a popup box with the allowed symbols for this field is displayed Users can see that the symbol amp is not allowed for this field and can quickly correct their error Completion of transactions The steps for completing a transaction by manual capturing in ING Online are the following e Step 1 Open and fill the desired interactive transaction form from the left side menu of the application under the tab gt Transactions e Step 2 Save the transaction form by clicking on the button SAVE gt e Step 3 Sign the transaction by clicking on Sign in the Actions box under the transaction form e Step 4 Send the transaction click on Send in the Actions box under the transaction form Display of amounts A convention for displaying of amounts exists throughout the application All amounts are displayed as 999 999 999 99 where the housands separator is comma and the decimal separator is dot This amount mask is applied to all amount fields in he application and includes not only transactions but also amounts in the filters of all reports in the application where amount fields exist as separate fields for filtering and users can enter amounts All reports genera
81. ne keeps information for all accounts that are registered with ING customers Registration of accounts is done manually in the back office systems and once registered accounts are activated for use with ING Online through the Administrative site of ING Online Accounts can be represented in two formats LOCAL and IBAN according to the way they were registered in the back office system All reports in Account Management with an exception for Statements being limited for 30 days period are limited to six months period Filters and search ING Online offers eloquent filter and search capabilities for all reports generated by the application The filter box above the reports is expandable in most cases and presents even more search and filter criteria ING clients may use to find a specific record follow transactions from one business partner view the movements in an account for the previous month and more Ifa user expands the filters field in a report then all reports shall have their filters field expanded Should the user collapse the filters field then all reports shall have their filters fields collapsed Figure 2 Filters Be From To Account Book Date gt Book Date Type zl Amount O Value Date Currency x Reference Beneficiary Details The interface of the filters area shown above offers predefined filter criteria in drop down lists and blank search fields in case users choose to enter their own search criteri
82. newed automatically and the principal and interest accrued are transferred to the respective current account In order to make a deposit request the following form has to be filled in and sent to the bank Date ING Online User Manual Slovak Republic September 2013 20 Date The date of the deposit request it is the current date and may not be altered Payer Account Number the number of the account that is going to be debited with the amount of the deposit request the account may be selected from the drop down list Name Name and details for the orderer automatically filled in by the application on the basis of the entered account number Amount Amount amount of the deposit Currency the currency of the deposit is automatically filled in accordance with the selected account Deposit Terms Period This drop down box contains standard periods for the bank that users may choose from Interest rate the interest rate for the deposit depending on the official interest rates of the Bank for the specific period entered by the user Credit account the number of the account that is going to be credited when the deposit ends This field may not be changed and by default it contains the account that is used for the deposit Permissible symbols and length of fields Fields Permissible symbols Length of fields Amount 0 9 and the special symbols and Comma or dot acceptedas 18 2 decimal decimal point
83. nline User Manual Slovak Republic September 2013 13 Templates quick search As previously said ING Online users may search for a specific template in their templates list Users may search for matches in the beneficiary names and accounts in a template and in template names The quick search function allows users to search for a template directly from the top right corner of the payment screen Figure 17 Templates Print Help Quick Template Beneficiary Search Search in Beneficiary Upon finding a match the template details are shown below the search form Figure 18 Templates Print Help Quick Template Beneficiary Search i Search in Beneficiary Choose Beneficiary Beneficiary Bank Code Beneficiary s Account Details BY ING Online users have two possibilities to use the desired template either choose the whole template when they click the icon in the Choose column or use only the beneficiary data from the template when they click the icon in the Choose beneficiary column When Choose beneficiary is selected the template contains only data about the beneficiary When the whole template is selected it will contain all template data entered previously by the user Set and remove default values Another powerful feature of ING Online is the opportunity to define default values for all fields in all interactive payment forms It is easy to set a default account for domestic payments or to use the same beneficiary
84. of transactions The user can choose to keep the transactions as a Package for further processing or to treat them as individual transactions The check box in the column Package has to be checked in order transactions to remain a package and vice versa See Packages for more information Finally users click on to finish processing the file The transactions from the uploaded file may be signed and send or modified under Transaction management in the left side menu ING Online User Manual Slovak Republic September 2013 52 Packages Users of ING Online have the opportunity to group transactions and form packages of transactions that can be kept together for further processing The application automatically creates transaction packages for transactions imported via file upload Users can also manually create packages of transactions ING Online supports locked packages and unlocked packages Locked packages Transactions contained in locked packages are treated as one entity and can be signed and sent through Packages Sign and Send Transactions in locked packages always have the same status and cannot be modified signed and sent individually until package is unlocked Once a package is unlocked it cannot be locked again Locked Packages are created via File upload if selected by the user when processing an uploaded file Transactions contained in a locked package are marked with the following symbol Unlocked pac
85. or Agent tag Debtor Agent is the financial institution servicing an account for the debtor lt FinInstnId gt Opening Financial institution ID tag lt BIC gt INGBSKBX lt BIC gt BIC Code of the ordering party bank lt FinInstnId gt Closing Financial institution ID tag lt DbtrAgt gt Closing Debtor Agent tag lt UltmtDbtr gt Opening Ultimate debtor tag lt Nm gt The Ultimate debtor lt Nm gt Name of the Ultimate party that owes an amount of money to the ultimate creditor lt UltmtDbtr gt Closing Ultimate debtor tag lt CdtTriTxInf gt Opening Credit Transfer Transaction Information tag lt Pmtld gt Opening Payment ID tag lt EndToEndId gt The transaction lt EndToEndld gt Reference for the unique identification of the transaction lt Pmtld gt Closing Payment ID tag lt Amt gt Opening Amount tag lt InstdAmt Ccy EUR gt 1000 lt InstdAmt gt Instructed amount lt Amt gt Closing Amount tag lt CdtrAgt gt Opening Creditor Agent tag lt FinInstnId gt Opening Beneficiary Financial institution ID tag lt BIC gt BNBGBGSF lt BIC gt BIC Code of the beneficiary bank z lt FinInstnld gt Closing Beneficiary Financial institution ID tag lt CdtrAgt gt Closing Creditor Agent tag Kg lt Cdtr gt Opening Creditor tag z lt Nm gt BENEFICIARY NAME lt Nm gt Name of Beneficiary customer e lt Cdtr gt Closing Creditor tag lt CdtrAcct gt Opening Creditor Account tag lt Id gt Opening ID of creditor account t
86. order transactions within the EU Charges will have to be levied even in the presence of currency conversion directly on the payer and on the payee by their respective banks Accordingly the only possible charging code for those payments will be SHARE it will not be possible to indicate the charging code OUR or BEN any longer for payment ransactions covered under the directive This provision aims to facilitate the straight through processing of payment transactions Eligible payment transactions in respect of the Payment Services Directive shall fulfil the following requirements e The payment currency is a valid national currency of an EU Member State or an EEA Member State that has adopted the Payment Services Directive notably Norway Iceland and Liechtenstein and e The target country of the payment is a EU or EEA Member State only Norway Iceland and Liechtenstein to this moment including the following EU territories Aland Islands Gibraltar Guadeloupe Martinique Reunion and French Guiana If both requirements are fulfilled the payment transactions fall in the scope of the Payment Services Directive and will be executed with shared charges Permissible symbols and length of fields Fields Permissible symbols Length of fields Amount 0 9 and the special symbols and Comma or dot 18 2 decimal accepted as decimal point Beneficiary Acco
87. ormation for the account balances contains Opening balance Debit and Credit turnovers and Closing Balance in the original currency of the account The last column of the table showing account balances contains the closing balance of the accounts converted to the reporting currency at the exchange rates of the local national bank for that day This conversion serves only informational purposes ING Online customers may always print any information through the print button in the upper right corner of the screen The printed document is in HTML format and contains the current view on the screen Additionally ING Online provides another practical option to export the information in a MS Excel file that can be downloaded and stored in the client s computer The information in this output file remains filtered if filtering has previously been applied For that purpose the customer has to click to download the information Note Please ensure that you downloaded the file and saved it on your hard drive instead of opening it straight from the application If some cells in the file contain please increase the width of the columns of your workbook in order to see properly the information contained therein Balances by group This function is similar to Balances function and is very helpful for accounts already organized in Groups Organizing accounts in groups is covered in the information about personal settings in ING Online For details see
88. ose and set their preferences Figure 57 Manage report columns Show Entered Sent Date Value Date Type Status From Account Amount Currency Ben Bank Code Beneficiary Account Beneficiary Name Details CANCEL gt Plesse note that 1 Column Reference is slways displayed in the report 2 You can hide show payment details here 3 The order of the report columns is not necessarily the order they are shown in this table The window on the left defines the current view of the report The window on the right shows which columns are hidden in the report By clicking on the desired requisites of transactions users move them between the windows and thus define the displayed report The small orange arrows move all the columns In the example shown on Fig 47 all transaction requisites are going to be displayed The button Save has to be pressed in order to generate the report with all user preferences Transactions by user The function Transaction by User shows all initiated transactions for review with information who has captured signed and send the transactions Figure 58 Transactions by User Print Help Filters From To Account Date 16 Feb 2011 16 Feb 2011 Book Date Type Amount O Value Date Currency Reference O Sent Date Status Details O with details Beneficiary Packages Show zl SUMMARY gt EXPORT gt COLUMNS 16Feb2011 21Feb2011 407638 Foreign Exchange Registered inthe 9000010760 10
89. pr 2009 z 21 Apr 2009 Book Date Type Amount Value Date Currency Reference Status Details F with details Beneficiary Packages Show El 21 Apr 2009 21 Apr 2009 Foreign Exchange New 1000332075 12 345 54 Test Beneficiary 2 21 Apr 2009 21 Apr 2009 International Signed with first Payment signature 21 Apr 2009 21 Apr 2009 Domestic Payment Signed with first 1000332075 1000 00 Test Beneficiary 4 Test User 2 V signature SELECT ALL gt 1000332075 13 345 54 1050390921 345 00 Test Beneficiary 3 Test User 1 Vv 1050390921 345 00 The function Sign is used to sign documents before sending them to the bank Depending on the account policy of the company the documents can be sent with one or two signatures The Sign screen shows a list of all documents waiting for signatures for which the user has access to the account the payment is linked to has right to sign the particular type of document and has an appropriate type of signature A B C etc Users may sign documents in bulk when selecting the desired payments through the check boxes in the far right column and clicking on Sign Another possible solution to sign all payments waiting to be signed is to select all payments through the button Select all and sign A second click on Select all deselects all payments When a user has selected a transaction or transactions to be signed a table appears under the list of payments and indicates the control amounts for
90. processed or not The processing screen contains a list of uploaded files By default the processing screen shows most recently uploaded files Below is an example of a processing screen Figure 48 File info Uploaded by Process Package Ctislav Name 20063 pack1i txt 2146 bytes SHA1 checksum Nedved 2292 REINS Path C packs pack1 txt 02 03 2009 14 51 59 7 The column No shows an automatically generated consecutive number for every successful upload of file q The Format column contains information for the file format File info contains information about the name size and the path the location of the file on the client s computer of the uploaded file and a SHA checksum algorithm for file identity purposes The SHA1 checksum value can be copied to clipboard and pasted in a file for further usage if needed Users have to click SHA1 checksum and a separate window will open with the option to copy the checksum value Uploaded by gives information about the User who has uploaded the file the date and exact time of upload The column Process contains a box that has to be checked for the successful processing of the file Should users place a mark in the check box the columns Alias and Package become active In the Alias column users may assign an alias for the uploaded file for easy identification and search of the uploaded file All transactions uploaded as a file are considered as a package
91. pture and the payment itself can be found under Transactions by Beneficiary User Group menu items Later on the transaction can be edited through the Edit function in the action bar under the transaction Thus users may add sets of debtor information Fill in the debtor details in another form that will be displayed on screen Every debtor information is saved and added to the request for EDD in the Debtor Information section of the initial payment form An example of the Debtor Information screen form is given below Figure 31 ING amp Direct Debit Transaction Information Main Information End to End Identification Amount Currency Electronic Signature Data Creditor Scheme Identification ID Ultimate Creditor Name Mandate Information Mandate Identification Date of signature v Amendment Indicator Debtor Information Debtor Name Debtor Postal Address Debtor Postal Address Country v Debtor Agent BIC Debtor Account IBAN Ultimate Debtor Name Reporting Purpose of the Collection Regulatory Reporting Code Remittance Information Remittance Information Type Main Information End to End Identification This field specifies an unique identification assigned by the initiating party to unambiguously identify he transaction The field is not mandatory to be filled in but if filled in the field cannot contain spaces and must be unique within one batch if no
92. r ifies the direct debit sequence first recurrent final or one off The code values relative to this sequence l lt RCUR FNAL and OOFF The data in this section is by default filled in by the application on the basis of the selected account number Account number A valid IBAN of the beneficiary must be selected from the accounts of the customer registered with ING Online Name The name of the beneficiary Mandatory to be filled in ING Online User Manual Slovak Republic September 2013 28 Address The address of the creditor Country The country of the creditor Purpose Category Purpose Code This field specifies the high level purpose of the instruction based on a set of pre defined categories The category of the payment can be selected from the drop down menu Charge Bearer This field specifies which party shall bear the charges associated with the transfer The field is optional to be filled in In case the filed is filled in the only value it could take is SLEV In order to successfully initiate an European Direct Debit collection ING Online users have to execute the following steps e Fillin the creditor side of the screen form e Click on the button under the form in order to add one or more debtor parties to the transaction After that the application will prompt the user to temporarily save the payment its creditor part At this stage the payment status is changed to In ca
93. r upload the file can be signed with one or two signatures and then sent to the bank according to the signature policy defined by each customer The policy for digital signing of uploaded files is set up as agreed with the Customer to send the files with no signature or to have one or two signatures for C2B files Each user can be granted rights to upload sign and send C2B files through the administrative site of ING Online in accordance with the policy specified for the customer Any uploaded file cannot be larger than 3 Mb Users are permitted to upload unlimited number of files as long as uploaded files combined size does not exceed 20 Mb daily per customer Upon request to the Bank the daily upload limit for C2B files can be extended on a customer basis ING Online guarantees the secure delivery of the uploaded files to ING Bank due to the high security standards within ING Online There are two ways of successful completion of the process of file upload Option 1 Through the Actions menu after a manual capture of a transaction The Actions menu offers a quick button Upload new C2B that directs the user to the initial screen of the submenu item Upload under Documentary files Option 2 Directly through the submenu Upload under Documentary files In both cases the user is led to the following screen ING Online User Manual Slovak Republic September 2013 61 Figure 63 Customer to Bank File Upload S
94. re some exceptions in using the default values the fields that are calculated or taken from the database are finally replaced with the calculated value or the value taken from the database Examples for this are the amounts in the foreign exchange form which are calculated on the basis of the current exchange rate or the Tax ID of the ordering customer which is taken from the database ING Online User Manual Slovak Republic September 2013 15 Domestic payment Manual capturing of domestic payments in the Slovak Republic follows the form below Figure 22 ING Sa DOMESTIC PAYMENT Due Date z Value Date Payer Account Number Name Amount Currency Beneficiary Beneficiary Bank Account No Bank Code El Constant Symbols Constant Variable Specific El Payment Details The fields highlighted in red are fields which are required In case these fields are not filled the application generates an error report and advises the user to fill them The boxes for details for the beneficiary and the ordering party are expandable A brief explanation of all fields in the domestic payment order is given below Date Type of payment Through this combo box ING Online users indicate the urgency of the payment Possible values are Urgent Extra debit today and RTGS Value date The user indicates the value date of the payment By default the date s
95. s Scheme Information Scheme Identification Creditor Account Number Purpose Name Address Country Category Purpose Code Debtor Information No End to end Control Debtor name ING Online users can access the manual capture form for EDD through Transactions l menu of the application The following screen shall be displayed European Direct Debit Currency Requested collection date v Sequence Type Charge Bearer Amount Account No C Bank Identifier Code are the only permissible account and bank ING Online offers two ways of initiating an EDD through manual capture of transactions on screen and through file upload European Direct Debit from the left Control sum The application calculates the sum of all transactions included in the direct debit request Currency The currency of the transaction EUR is the only value and it cannot be changed Number of transactions This field specifies the number of transactions in the direct debit order Calculated automatically by the applciation Scheme Information Requested Collection a valid future date Date The date when the creditor wants the amount of money to be collected from the debtor It must be Scheme Identification Indicator of the type of request for direct debit The field accepts only CORE Standard Sequence Type Iden are respectively FRS Credito
96. s entered the payment what and when can be seen under Transaction Management Transactions By Beneficiary and Transactions By Users Correcting a payment is always done by cancelling of the old payment and creating a new one The function Track changes visualizes the changes made in individual payments through the Edit function Users are given he opportunity to easily navigate to the cancelled payment and see exactly what has been changed in the new one Both old and new transactions views contain links to each other and a link to Track Changes E g A new transaction created through he Edit function has the following Actions box Figure 13 Actions New Copy Edit Cancel Save as Template Sign Send View Cancelled Document Track Changes Upload new C2B View C2B files ING Online User Manual Slovak Republic September 2013 11 Here users may view the cancelled document and track changes made A click on Track changes would lead to a similar screen like the following Figure 14 Status Entered by Test ING Online User 01 Jul 2009 09 44 03 No 100743 Sign 1 Status Sign 2 Cancelled Cancelled by Another Test ING Online User 04 Jul 2009 13 21 53 Status Entered by Another Test ING Online User 04 Jul 2009 13 21 53 No 100747 Sign 1 Status Sign 2 New ING gt Due Date DOMESTIC PAYMENT Value Date 08 Jul 2009 gt Due Date Value Date
97. s for these payments provide the option to create a recurring order template Figure 33 Recurring Payment order CO Create a template Recurring Payment order RPO e Step 2 In these forms users have to place a tick in the check box After that the field expands and allows users to enter additional data for the recurring payment Figure 34 Recurring Payment order M Create a template Recurring Payment order RPO Alias Start date End date Repeat every e Step 3 Users have to type an alias for the recurring payment choose the start and end dates as well as the frequency of the payments All fields are mandatory to be filled in Figure 35 Recurring Payment order Alias My first recurring payment Start date 13 Mar 2010 Next execution on 13 Mar 2010 End date 13 Mar 2011 Repeat every Month e Step 4 Click and the template for recurring payment is complete e Step 5 Sign and send the recurring payment order through Sign Send in the actions box under the payment order The created payment order template has to be signed and sent in order the repetition mechanism for the payment to be triggered When the RPO template is in status Sent the application will automatically generate payment orders in status Sent according to the chosen schedule The first payment order will be created at 00 00h on the chosen start date If this is the current date the first recurring payment order is created immediately It has to be
98. s report This report is accessible through the left menu of the application under Recurring payment orders Review Another way to access the report is through the quick link View RPO Schedule in the Actions box under the recurring payment order template The Recurring payment orders report displays all recurring payment order templates the user has rights to read sign or send All records can be filtered by alias customer RPO number status payment type date of entry next execution date start and end date as well as dates of signing and sending the RPO templates A click on the alias of the RPO leads to the original template for the RPO which can be edited Upon any modification of the RPO the old order is automatically cancelled and the template appears in the report with status Cancelled Figure 36 Recurring Payment Orders Report Print Help Filters From To Alias Next date 21 Jan 2011 21 Jan 2011 zl RPO No Customer All Me Status Payment Type All v SHOW gt 21 test Test cust Sent 10 00 EUR 21 Jan 2011 21 Feb 2011 Month 21 Feb 2013 Test user Test user Test user 2 Test user 120 SF Test cust Cancelled 120 00 EUR 21 Jan 2011 28 Jan 2012 Week 21 Feb 2013 Test user Test user Test user 2 Test user 119 sal Test cust Sent 320 00 EUR 21 Jan 2011 21 Apr 2011 Quarter 21 Feb 2012 Test user Test user Test user 2 Test user ING Online User Manual Slovak Republic September 2013 33 The generated pay
99. see the following screen Figure 47 Status Created by Test ING Online user 21 Jul 2009 09 24 53 Sign 1 Sign 1 No 237 Status New Salary Payment Specifics Cover Payment GENERATE gt Package Info Pack Name Salary_june txt Count Control amount 11111 58 Source Salary_june txt Test Customer Ltd VIEW TRANSACTIONS gt Customer Name REFRESH gt Upon clicking on Generate ING Online users are brought to a domestic payment order screen where they can complete a cover transaction for the total sum of salary payments This option is available in case the customer is using a transit account for salary payments that is usually empty and is being credited only for the purposes of salary payments Some of the requisites of he payment order are automatically filled in total amount ordering and beneficiary party details Upon successful capture of he payment order the salary file upload is complete t has to be noted that all domestic payments initiated from the salary file will be registered having Normal priority n case there is an indicator for an urgent payment in SKI file or in the details of a CSV file it will be disregarded SKI file HI ype of Payment or EXTRA DEBET DNES in details will be disregarded l he structure of the salary payment file in csv file format is as follows Beneficiary Customer Name Amount Beneficiary Bank Code Beneficiary Account pre fix sy
100. successful completion of the procedure for creating a template the template is listed in the templates section and is ready to be used in a payment edited previewed or deleted Export of templates Users may request for an export of their templates at an ING branch The templates are exported in a csv file that can be opened with a text editor or MS Excel The exported templates can be organized by accounts and by payment type The first row in the file contains the names of the exported fields Currently templates for domestic and international payments can be exported Actions with templates Existing templates can be accessed through Transactions Type of payment the button Templates in the top right corner of the application The following screen shows the templates list Figure 16 Templates Filters Search for Search in Beneficiary CREATE NEW gt Template 1 wy Template 2 gt B B oO Beneficiary 2 INGBBGSF 987654321 Details 2 Beneficiary 1 INGBPLPW 123456789 Details 1 DELETE gt BACK gt SELECT ALL The templates may be sorted by the name of the template chosen for use edited viewed and deleted by clicking on the appropriate icons in the different table columns The filters area above the template table provides for an opportunity to search for specific templates as well ING Online users may search for templates by beneficiary names beneficiary account numbers and template names ING O
101. t PmtTplnf gt Closing Payment Type Information tag pA lt ReqdExctnDt gt 2013 08 11 lt ReqdExctnDt gt Requested execution date of transfer A lt Cdtr gt Opening Creditor tag lt Nm gt Alpha SK Customer Name lt Nm gt Name of ordering party lt PstlAdr gt Postal address of the creditor lt Ctry gt DE lt Ctry gt Country of the creditor lt Adrline gt Dunajska 25 lt AdrLine gt Address line 1 lt PstlAdr gt Closing Postal address of the creditor lt Cdtr gt Closing Creditor tag lt CdtrAcct gt Opening Creditor Account tag lt Id gt ID of creditor account tag lt IBAN gt HU21137000160146301500000000 lt IBAN gt IBAN of ordering party lt Id gt Closing ID of creditor account tag lt Ccy gt EUR lt Ccy gt Currency of the collection EUR by default lt CdtrAcct gt Closing Debtor Account tag lt CdtrAgt gt Opening Creditor Agent tag Creditor Agent is the financial institution servicing an account for the creditor lt FinInstnld gt Opening Financial institution ID tag lt BIC gt INGBSKBX lt BIC gt BIC Code of the ordering party bank lt FinInstnId gt Closing Financial institution ID tag lt CdtrAgt gt Closing Creditor Agent tag ING Online User Manual Slovak Republic September 2013 47 Uploaded file in XML format Description of tags lt ChrgBr gt SLEV lt ChrgBr gt Specifies which party parties will bear the charges associated with the processing of the payment transaction Only value SLEV is
102. t his her account in favour of the person that initiated the request Here is a brief explanation of the fields Date Value date The date for execution of the transfer must be filled in Requests for direct debit with future value are accepted only if the due date does not exceed the last business day of the following month Beneficiary Account Number the account number of the beneficiary of the payment The account can be chosen from a list of all the accounts for which the user has the right to initiate collection requests in EUR Name these fields are filled in automatically by the application with details about the beneficiary Name address and city Amount Amount The amount of the transfer expressed in EUR must be specified The amount must be filled in without any delimiters for the thousands The delimiters and are interpreted as delimiters between the integer part and the fractional part Currency the field for currency cannot be changed Its value is EUR as the payment is domestic Payer Name the name of the payer is mandatory to be specified Street the field is used to enter the address of the payer City the city of the payer Payer Bank Prefix Beneficiary bank prefix ING Online User Manual Slovak Republic September 2013 19 Account No the account number of the beneficiary must be filled in Bank code Users may enter the bank code manually or choose it from the drop down list
103. t the transaction is marked as faulty Amount This field specifies which party shall bear the charges associated with the transfer The field is optional to be filled in Currency The currency of the collection Must be EUR ING Online User Manual Slovak Republic September 2013 29 Electronic Signature Data Data about the electronic signature Must not contain spaces Creditor Scheme Identification ID Credit party that signs the direct debit mandate Ultimate Creditor Name The name of the ultimate creditor Optional to be filled in Mandate Information Mandate Identification This field must be filled in with the proper mandate identification allowing for this collection Date of Signature The date of signature of the mandate A valid date in the past should be used Amendment Indicator Indicator notifying whether the underlying mandate is amended or not When this box is checked the payment form shall expand to include a new section Amendment Information as shown below It must be filled in with details about the mandate Figure 32 Amendment Information Original Mandate Identification Original Creditor Name Original Creditor Scheme Identification Original Creditor Scheme Identification Identification Scheme Name Original Debtor Account Original Debtor Agent BIC Original Debtor Agent Debtor Information Debtor Name The name of the party that owes money to the creditor Debtor
104. t xmlns urn iso std iso 20022 tech xsd p Opening Document tag Constant ain 008 001 02 xmlns xsi http www w3 org 2001 XMLSchema instance gt lt CstmrDrctDbtinitn gt Opening Customer Direct Debit Initiation tag lt GrpHdr gt Opening Group Header tag lt Msgld gt ABC123456 lt Msgld gt Unique identifier lt CreDtTm gt 2011 07 14T09 12 37 lt CreDtlm gt System date and time lt NbOfTxs gt 1 lt NbOfTxs gt Number of transactions contained in the file fj lt CtrlSum gt 1000 lt CtrlSum gt Control sum of all transactions in the file A lt InitgPty gt Initiating party tag lt Nm gt Alpha SK Customer lt Nm gt Name of Innitiating party A lt Id gt Identification of the party initiating payment 5 lt Orgld gt G lt Othr gt 6 lt Id gt 0103B08F7F lt Id gt lt Issr gt KBO BCE lt Issr gt lt Othr gt lt Orgld gt lt Id gt Closing Identification of the party initiating payment lt InitgPty gt Closing Initiating party tag lt GrpHdr gt Closing Group Header tag ING Online User Manual Slovak Republic September 2013 46 Uploaded file in XML format Description of tags lt PmiInf gt Opening Payment Information tag lt PmtInfld gt ABCD 1234567 lt PmitlInfld gt Reference assigned by a sending party to unambiguously identify the payment information block within the message The tag is optional however if present it is validated lt PmtMtd gt DD lt PmtMtd gt Payment method Specifies the
105. tails Details1 16 Feb 2011 16 Feb 2011 407637 Domestic Payment Cancelled 9000010760 1000 00 EUR 0 9000001215 Test Beneficiary 3 Details VAR 1234567890 0308 1234567890 9876543210 TEST LCY INTRABANK PAYMENT IN MT100 he function Transactions by Beneficiary generates a list of all initiated transactions for review with beneficiary information he information represents the following transactions requisites e Entered The date of actual capturing uploading of transactions e Value date The value date of the transactions ING Online User Manual Slovak Republic September 2013 56 e Reference The reference number assigned to the transactions Type The type of transaction The type may be Domestic payment International payment Foreign exchange etc e Status The transaction status From Account The number of the client s account used for the execution of the transaction e Amount The amount of the transfer e Currency The currency of the transaction e Ben Bank Code The code of the beneficiary s bank e Beneficiary account The number of the account of the beneficiary e Beneficiary name The name of the beneficiary There is a dedicated line in the report with the details of the transaction In the cases where the transaction is either a domestic payment or a direct debit order the details line of the transaction contains the variable symbol used in the payment as well as the text of the details of the
106. ted by the system also have the mask applied to all amount fields ING Online users can enter numbers with or without thousands and decimal separators The rightmost separator will be considered to be the place of the decimal separator Changes affect field presentation after the user exits the amount field In this moment the predefined amount mask reformats the field so that it looks like separated with thousand separator and decimal separator Examples fuser enters 1800000 the system displays it as 1 800 000 00 fuser enters 1800000 00 the system displays it as 1 800 000 00 fuser enters 1800000 00 the system displays it as 1 800 000 00 ING Online User Manual Slovak Republic September 2013 10 Ifuser enters 1 800 000 00 the system displays it as 1 800 000 00 Ifuser enters 1 800 000 the system displays it as 1 800 00 Actions with transactions After saving a transaction users have the opportunity to modify it The Action box appears under the preview of the current transaction and the following actions are available Figure 12 Actions New Copy Edit Save as Template Upload new C2B View C2B Files e New Empties the form ofthe current transaction so that users can enter different data for the same type of transaction e Copy Copies the current transaction in case users need to execute exactly the same transaction once more Users can still edit the records in the transaction e Edit The form opens in
107. tered account number Amount Sell Amount and Buy Amount the sell amount and buy amount respectively Depending on what amount is entered in either of he fields the amount in the other field is updated in accordance with the official exchange rate of the bank ING Official Exchange Rate the foreign exchange deal takes place under the official exchange rate of the Bank Details of Payment Details of payment users have to enter details for the transaction Permissible symbols and length of fields Fields Permissible symbols Length of fields Amount 0 9 and the special symbols and Comma or dotacceptedas 18 2 decimal decimal point Date Current date plus 7 days Details of payment Q a zA Z0 9 1 35 ING Online User Manual Slovak Republic September 2013 18 Direct debit Figure 24 ING amp DIRECT DEBIT Due Date Value Date Beneficiary Account Number Name Amount Amount Currency Payer Name Payer Bank Account No Bank Code E Constant Symbols Constant Variable Specific El Payment Details The Direct Debit request is drawn up by the bank s client who is the beneficiary of the transfer It is a request to debit the payer s account In this case the drawer under the transfer order is the recipient of the transfer The payer must have given his her prior consent to his bank to immediately debi
108. text files in SKI file format The process of upload of salary payments includes the following steps Step 1 Users choose salary payments in the drop down list under Payment Files Upload In accordance with the format of the file to be uploaded users have to choose between files in csv format and SKI format Step 2 Select the customer and the account that shall be used to instruct the payments from The application automatically sorts all available accounts and displays only accounts with domestic currency denomination as salary payments are domestic payments Step 3 Browse for the salary payment file on the client s computer and upload it Step 4 Process the uploaded file The processing of salary payments differs from normal processing of uploaded files in some key aspects e Uploaded files can only be processed as a locked package See Processing of uploaded files for details e Users have the option to generate a cover transaction for all salary payments included in the file and select another account of the customer or even an account of another customer to instruct the whole payment from In case users choose not to generate a cover payment the account that will be debited is the account that the user has selected in Step 2 Salary payments form a package and can be signed and sent in bulk from Packages Sign and Send When users want to review sign or send the salary package of transactions they can
109. the box in the table header row Removing transactions from a package is done the opposite way removing the tick from the check box for a single transaction record or removing all transactions from a package by removing the tick in the header row of the table with transactions Note that the tick in the check box in the header row of the table with transaction records adds to or removes multiple transactions from a package contained in the active screen only ING Online User Manual Slovak Republic September 2013 54 Figure 53 Transactions by Beneficiary Print Help Filters From To Account Date 16 Feb 2011 16 Feb 2011 Book Date Type Amount O Value Date Currency Reference O Sent Date Status Details O with details Beneficiary Packages Show x COLUMNS 16 Feb 2011 16 Feb 2011 407639 Domestic Payment New 9000010760 10 000 00 EUR 7300 0 9000001215 Test Beneficiary 4 16 Feb 2011 21 Feb 2011 407638 International Payment Sent 9000010779 12 345 54 EUR INGBSKBX BG80BNBG96611020345678 Test Beneficiary 2 16 Feb 2011 16Feb2011 407637 Domestic Payment Cancelled 9000010760 1000 00 EUR 7300 0 9000001215 Test Beneficiary 3 Actions with Packages List of Packages All functions in the Packages menu start with presenting a list of packages Information for each package in the list include pack name customer name and status of package count of transactions within the pack the control amount and source an uplo
110. tiation tag fi lt GrpHdr gt Opening Group Header tag A lt Msgld gt SK00010050412R0005043C0000000 lt Msgld gt Unique identifier lt CreDtTm gt 2013 07 14T04 12 37 lt CreDtIm gt System date and time A lt NbOfTxs gt 1 lt NbOflxs gt Number of transactions contained in the file 5 lt CtrlSum gt 100 lt CtrlSum gt Control sum of all transactions in the file G lt InitgPty gt Initiating party tag o lt Nm gt ORDERING CUSTOMER NAME lt Nm gt Name of Initiating party lt InitgPty gt Closing Initiating party tag lt GrpHdr gt Closing Group Header tag lt PmiInf gt Opening Payment Information tag lt PmitInfld gt OB000002 110714 NORM lt PmitInfld gt Reference assigned by a sending party to unambiguously identify the payment information block within the message The tag is optional however if present it is validated lt PmtMtd gt TRF lt PmtMtd gt Payment method Specifies the means of payment hat will be used to move the amount of money In this case TRF stands for transfer lt BtchBookg gt FALSE lt BtchBookg gt dentifies whether a single entry per individual ransaction or a batch entry for the sum of the amounts of all transactions in the message is requested Currently the only accepted value is FALSE gt lt PmtTpInf gt Opening Payment Type Information tag Set of e elements that further specifies the type of transaction lt InstrPrty gt NORM lt InstrPrty gt nstruction Priority of payment Can take values NORM or
111. tion Point to point reference The field is mandatory to be filled in Special rules apply when the counter party account is held in Slovakia These rules are explained in the Annex to this document Amount The amount of the transaction is obligatory to be filled in For SCT payments the currency of the transaction is always EUR Creditor Creditor Agent BIC The BIC of the Bank of the beneficiary Mandatory to be filled in In case the BIC starts with SK then it is optional to be filled in Creditor Account IBAN A valid IBAN of the beneficiary must be filled in Creditor Name The name of the beneficiary Also mandatory to be filled in Ultimate Creditor Name The name of the ultimate creditor of the transaction Ultimate Debtor Name The name of the ultimate debtor of the transaction Regulatory Reporting Code Specifies the nature purpose and reason for the transaction to be reported in a coded form Mandatory for cross border payments The code can be selected from the drop down menu The application fills in automatically its description Remittance Information Remittance Information Type Users can select one of the two types of remittance information either structured or unstructured In case unstructured remittance information is selected users may enter free text up to 140 symbols When users select structured remittance information they have to comply with ISO 11649 2009 standard which specifies the elements o
112. to Account Limits 9000010760 18 000 00 User Limit 120 000 00 118 000 00 9000010779 18 000 00 User Limit 85 000 00 85 000 00 ING Online User Manual Slovak Republic September 2013 66 Personal settings ING Online application can be personalized in different ways Customer and Account alliases Under this menu item ING Online users find information for all customers and accounts linked to the user Here users are given the opportunity to set their own alias for each one of the customers they work with as well as set aliases for their accounts Customer and accounts aliases personalization is on user level each user will have a different name for his her customers and accounts Figure 70 Customer Name 1 Customer Alias Account OOO O currency een NAME 21105014451000002200005839 PLN 64105014451000002200006423 USD 23105010701000002200015861 EUR Customer Name 2 Customer Alias account OOOO O curreney Account name 21105014451000002200009999 PLN 67105000861000002301970000 USD 67105000861000002301971764 GBP Setting aliases for customers and accounts is confirmed by the button Thus users can easily recognise their customers and accounts as customer and account aliases are shown in filters and drop down menus throughout the application For instance the friendly name given to an account is shown not only in Account Management but in Sign and Send screens as well Group Management Under Group Manag
113. to two fields with the first field being the field where users enter the Amount from figure and the second being the Amount to field e Reference Users may filter transactions by their reference number assigned This filter field accepts only digits with no spaces and the whole reference number has to be entered e Details Transaction records can be filtered by the information contained in their details part as captured or uploaded The check box with details turns on and off details information for every transaction record in the table e Package Users may filter transactions according to them being part of a package or not Additionally users may choose he package by which transactions are going to be filtered by If the User selects option Show the report will include all payments satisfying the selection criteria including the payments from the Packages Users may go further and select one specific package from the list of all packages in the combo box on the right the report will display only the payments in the selected package Users may also manually create packages from the Add Remove Trx combo box item See Packages for more details Another useful option provided for in Transactions by Beneficiary is the option to export transaction information in a MS Excel file The information exported maintains all filtering applied previously and is sorted by the most recent
114. unt No A Z0 9 1 34 Date Current date minus 30 days or plus 60 days Names addresses and details of payment 0 a zA Z0 9 1 35 SWIFT Code A Z0 9 8 11 ING Online User Manual Slovak Republic September 2013 23 Draw down request Figure 27 ING Sa Due Date Facility between DRAW DOWN REQUEST Date 05 Jul 2009 a Facilit Facility Amount agreement date B and ING Bank N V Bratislava Branch Advance Amount Draw down date x Currency Maturity date Rate As stipulated in the Facility agreement z Please credit account Account Number Name This transaction type is used for requesting a drawdown from a previously agreed loan facility with the Bank The following form is used Date The date of registration of the document in the system is fill Facility he funds will be utilized through and the Bank Advance Facility amount the number of the loan facility has to be filled in Facility agreement date the date the loan was contracted must be filled in as well When entering the date users have to observe the following formats 01 Jan 2000 01 01 2000 01 01 2000 01012000 The two parties to the loan contract are filled in automatic ed in automatically ly by the system based on the client holding the chosen account that Amount the field is filled in with the amount of money the client wants to utilize This a
115. wing structure lt xml version 1 0 encoding UTF 8 gt lt Document xmlns urn swift xsd pain 008 001 02 xmlns xsi http www w3 org 200 1 XMLSchemainstance gt lt pain 008 001 02 gt message content lt pain 008 001 02 gt lt Document gt The message is similar to the SEPA credit transfer format and is composed of 3 building blocks Group Header This building block is mandatory and present once It contains elements such as Message Identification Creation Date and Time Grouping Indicator The group header contains information about the number of payments in the file as well In the example below the Group Header block is coloured in a Payment Information This building block is mandatory and repetitive It contains besides elements related to the debit side of the transaction such as Debtor and Payment Type Information also one or several Transaction Information Blocks In the example coloured in Transaction Information This building block is mandatory and repetitive It contains amongst others elements related to the S side of the transaction such as Creditor and Remittance Information The Transaction Information block is coloured in The following is an example of a uploaded EDD file with containing one transaction Uploaded file in XML format Description of tags lt xml version 1 0 encoding UTF 8 gt Constant lt Documen
116. ws etc directed to their customer Bank to Customer is used mainly for private messages from the sorted by file types dates periods and download status of files The lower part of the table contains detailed information about the While the section News contains more general items Bank to the Customer The information provided may be file sent from the Bank name of the message name of the file the name of the customer to whom the file is addressed as well as indication if the file is private or public There is also an indication if the file has already been downloaded or not so that users can easily differentiate downloaded from downloadable items This applies to private files only as for public files it is quite irrelevant computer Figure 68 Bank to Customer Bank to Customer files have an expiration period after which expired messages are not shown It has to be noted that the report with Bank to Customer files is available for a period no longer than 6 months tis preferable to download files save them on the client s computer and then open them from their new location on the client s Filters File Type All Show All Files Download Status All 18 Mar 2011 15 42 Private message Bank_rates txt 0 7 KB downloaded 11 Mar 2011 09 12 Brochure brochure pdf 1 2 MB ING Online User Manual Slovak Republic September 2013 65 From To Date 23 Feb 2011 23 Mar 2011 z Private
117. yment instruments SEPA covers not only the euro area but and Switzerland This means that comm the who ents to anyone located anywhere in payments SEPA is thus a key piece in the establishment of a single market for payment services in Europe The SEPA project focuses on two payment instru n Economic Community in 1958 there has been a progressive movement towards a more integrated European financial market The adoption of the Payments Services Directive PSI SEPA harmonises the way retail payments are made and processed in euro and enables Europe using a single payment account and a single D formed the legal basis of e of the European Union EU as well as Iceland Liechtenstein Monaco Norway unities outside the euro area can adopt SEPA standards and practices for their euro ments credit transfers and direct debits The SEPA credit transfer SCT scheme defines common rules and procedures for banks and other participating payment institutions regarding credit transfers in euro The scheme defines a common service level and the maximum time frame for processing SEPA credit transfers ING Figure 28 ING Instructions Requested Execution Date Debtor amp Debtor Account IBAN Debtor Name Debtor Postal Address Debtor Agent BIC Amount End to End Identification Amount Creditor Creditor Agent BIC Creditor Account IBAN Creditor Name Ultimate Creditor Name Ultimate Debtor

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