International Online

Transcription

1 International Online User Guide for Group Users Contents 1. Introduction The Group Profile Users General Information Registration Login Changing your Password and/or Memorable Date Forgotten your Password and / or Memorable Date Locked out of the service Account information Customer list Consolidated Customer Download Account list Consolidated Account Download Detailed Information Statements Last 90 days History request Downloading Transaction History Printing Transaction History Payments & Transfers Inter Account Transfers Inter Customer Transfers Payments Stored Payments Pending Transactions Authorisation Batch Authorisation Amending User profiles and rights Profile change User rights Deregister Secure Messaging

2 1. Introduction This User Guide is designed to assist Users of International Online who have registered or are registering for the Group service. The Group service is designed for our corporate and institutional clients and provides a single log-on for multiple Users and dual authorisation for Transactions. Standard Bank will create the Group profile and assign the agreed rights to the Group (i.e. View only, View & Transfers or View, Transfers & Payments and the number / level of authorisation for the Group s Users) before linking the appropriate customers to the Group. A User can be linked to multiple Groups but will have different log on codes for each Group. Access to a specific customer account is also available through the Single Customer service. 2. The Group Profile The Group profile will contain the following details: A unique 8 digit Group number e.g (Migrated Groups will retain their 5 digit numbers). A unique name up to a maximum of 35 characters. The Group s Transaction rights View only (default), View & Transfers or View, Transfers & Payments. Whether one or two levels of authorisation are required for the Group s transactions. The User Authorisation level (A & B List). Monetary banding levels e.g. 2 x B authorisers or above for instructions up to 5,000. One A authoriser & one B authoriser or above for instructions up to 10,000. All users with View, Input and Authorise rights can input and authorise their own transactions. View Only The Group and it s Users will be restricted to view only access for Account information and Statements. They will also be able to download and print Statements. Transaction functionality will not be available. One Signatory Authorisation level = N (no A & B signatory list) Users can have View only, View and Input (VI) or View, Input and Authorise (VIA) rights No. of users involved: 1 X VIA 1 x VI + 1 VIA 2

3 One Signatory Authorisation level = Y (A & B signatory list) Users can have View only, View and Input (VI) or View, Input and Authorise (VIA) rights. On registration if a user selects View, Input and Authorise rights, they must also select whether they are an A or B signatory. Monetary banding levels will be mandatory for this Group type to specify the value of transactions available for authorisation with an A or B signatory. No. of users involved: 1 x VIA (A) or 1 x VIA (B) 1 x VI + VIA (A) or 1 x VI + 1 x VIA (B) 1 x VIA (B) + VIA (A) Two Signatories Authorisation level = N (no A & B signatory list) Users can have View only, View and Input (VI) or View, Input and Authorise (VIA) rights. No. of users involved: 2 X VIA 1 X VI + 2 VIA Two Signatories Authorisation level = Y (A & B signatory list) Default Banding rules Users can have View only, View and Input (VI) or View, Input and Authorise (VIA) rights. On registration if a user selects View, Input and Authorise rights, they must also select whether they are an A or B signatory. The default Banding levels will apply for this Group type. The Default Banding rules are: 2 X B = Reject, A + B = Accept, B + A = Accept, A + A = Accept No. of users involved: 2 X VIA (1 X A + 1 X B) or 2 X VIA (A) 1 X VI + 1 X VIA(A) + 1 X VIA(B) or 1 VI + 2 X VIA(A) Multiple Signatories Authorisation level = Y (A & B signatory list) Monetary Banding levels Users can have View only, View and Input (VI) or View, Input and Authorise (VIA) rights. On registration if a user selects View, Input and Authorise rights, they must also select whether they are an A or B signatory. The Banding levels will be specified for this Group type. Available Banding level are: 1 x B single signatory 1 x A single signatory 2 x B 2 signatories 1 x A + 1 x B 2 signatories 2 x A 2 signatories Not all of these levels need to be specified. Any combination can be used. 3

4 No of users involved: 1 x VI + 1 x VIA (B) or 1 x VIA (B) 1 x VI + 1 x VIA (A) or 1 x VIA (A) 1 x VIA(B) + 1 x VIA(A) 1 x VI + 2 x VIA (B) or 2 x VIA (B) 1 x VI + 1 x VIA (B) + 1 x VIA(A) or 1 x VIA (B) + 1 x VIA (A) 1 x VI + 2 x VIA (A) or 1 x VIA(B) + 2 x VIA (A) 2 x VIA (A) 3. Users Once the Group has been set up, the individuals requiring access to the Group will need to register as Users of International Online. This process is explained later on in the User Guide. It is very important that careful consideration is given to the rights of the Users, to ensure that there are sufficient personnel to input and authorise transactions. All users with View, Input and Authorise access can input and authorise the same transaction. No two Users with the same User name are permitted within the same Group. 4. General Information International Online can be accessed through our general website by clicking on the Internet Banking link. There are links on the International Online login page to two Demonstration sites, one for the Single Customer service and the other for the Group service, both of which provide a guided tour of the respective services. The International Online service can be broken down into the following seven main functions. Registration Login Account information Statements Payments and Transfers Amending User profiles and rights Secure messaging There is also a Help text link on every page of the service. 5. Registration Complete the Registration profile details, which include First name Last name address Telephone details 4

5 Password and Memorable date Selection of Group service The password is case sensitive and has to comply with the following rules: Must be a minimum of 6 and a maximum of 16 characters long Must contain at least 2 alpha and 2 numeric characters Must contain at least one upper case alpha character eg. H Must not contain any special characters e.g. &, $, ~, % Cannot have more than two consecutive numbers which are the same (e.g. 000, 111) Cannot have more than two numbers which run concurrently, either descending or ascending (e.g. 123, 876) Users may elect their own memorable date. The date will consist of a day, month and year. The Password and Memorable date are personal to each User and should not be disclosed to any other person, including Standard Bank staff or any other User of the service, even if they have access to the same Group. A new screen will appear on which the following is to be entered: Group number - this will be provided by Standard Bank Group name - this will also be provided by Standard Bank following agreement with the Group. User transaction rights - these may be the same or less than the Group s rights and must be in accordance with the Bank account mandate. User transaction rights default to view only. User authorisation level - the A or B Signatory button is to be selected, if applicable Standard Bank has introduced Dual Factor Authentication (DFA) for the authorisation of all payments and transfers, in order to keep ahead of the technological advances in methods of committing fraud including key loggers and sniffers. DFA is a multi-level authentication process that requires you to provide two different types of user authentication before being able to authorise transfers and payments via International Online. The first type of user authentication is a self generated user password used at login. The second type of user authentication is a unique Security 5

6 Code which is generated by a user specific Security Token. You will now be required to use this unique Security Code to authorise all payments and transfers. The Security Token is a small device that generates a new security code every few seconds. Pressing the grey button on the token generates a unique 6 digit security code which, for security reasons, changes frequently. You can only use the Security Token you have activated for your username. The Security Code generated by your Security Token is unique to your Security Token. For enhanced security, the Security Code is only valid for a short period of time. If you input an expired code you will receive an error message asking you to input a new code. Press the grey button on the Security Token to obtain a new Security Code for input. If the problem persists, please contact the Internet Administration Unit. Should your Security Token be lost, stolen or broken, please contact the Internet Administration Unit. We will immediately dispatch a new one to you. You will not be able to make payments or transfers online until you have received and activated your replacement Security Token. Replacement Security Tokens may incur a cost. Any attempt to open the Security Token will stop the Security Token from functioning and you will be unable to request transactions online. The expected battery lifetime is between three and five years dependent on usage. The Security Token will show you when the battery is low. When you see the low battery warning please contact the Internet Administration Unit for a replacement Security Token. You can continue to use your existing Security Token until you receive your replacement Security Token. If a user selects authorisation rights, a screen will be displayed asking for a delivery address for the Security Token. The delivery address should be a physical address as there may be problems with delivery to a PO Box address. The Security Token will be distributed when the registration request has been approved by the Bank. Before a user can authorise transactions, the Security Token must be activated by logging onto International Online and clicking on the Security Token Activation button. By following the process, the Security Token is linked to the user s Internet Client number (ICN). No sharing of tokens is permitted as each token is directly linked to a specific ICN. The final page displayed is the Registration Confirmation form. This should be printed, completed as instructed with the User s specimen signature and signed in accordance with the Bank Account mandate. The form should then be faxed, posted or sent by as a PDF attachment to the Internet Administration Unit in the Isle of Man, as detailed on the confirmation form. When the Confirmation form is received and processed by the Bank, which may include a security call back, Users will receive, by , details of their Internet Client Number (ICN), which will enable them to log in to International Online. For those users who have registered for authorisation rights, the Security Token will be dispatched. 6. Login In order to login to International Online Users will need the following valid codes Internet client number (ICN) Password Memorable date After the codes have been successfully entered the Customer list screen will appear which displays the Group name and lists all the customers in the Group, detailing customer numbers and names. In order to view account information or to select a 6

7 customer for transaction purposes click on the relevant customer number, which will display the Account list for the selected customer Changing your Password and/or Memorable Date Users can change their Password and Memorable Date by clicking on the Profile link having successfully logged on. Select the Password Change tab at the top of the page. You can change both or either your Password or Memorable date on this page Forgotten your Password and / or Memorable Date If you have forgotten their Password and/or Memorable date, click on the link Forgotten your Password, on the left hand side of the login page. You will be asked to enter your Internet Client Number (ICN) and Group number for verification purposes. Follow the instructions on the screen to change your codes. Your User access will be disabled until the code changes have been activated by the Internet Administration Unit Locked out of the service Users will be automatically locked out of the service if three incorrect attempts are made when entering your Internet Client Number (ICN), Password, or Memorable Date. Users are requested to contact the Internet Administration Unit if they are locked out of the service. 7. Account information All Users will have access to Call and Fixed Term Account information and Statements. This includes the Customer list, Account list, Fixed Term, Foreign Exchange and Detailed account information together with Statements for the Last 90 days and a History request Customer list This is a summary of all the customers within a Group, sorted by Customer number and Customer name. The Account list for a specific customer may be selected by clicking on the Customer number Consolidated Customer Download By clicking on the Consolidated Customer Download button on the Customer list, all the Call and Fixed Term account balances for all customers in the Group will be saved as a.csv file that can be imported into spreadsheet software such as Microsoft Excel. The data replicates the balances as they are displayed on the Account lists Account list A summary of all Call and Fixed Term Accounts, Foreign Exchange contracts and Portfolios from which detailed information and Statements may be obtained and Transactions requested. At the top of the screen for all account information pages, the customer name and customer number for which the enquiry is being made, is displayed. 7

8 7.4. Consolidated Account Download By clicking on the Consolidated Account Download button on the Account list, all the Call and Fixed Term account balances for the selected customer will be saved as a.csv file that can be imported into spreadsheet software such as Microsoft Excel. The data replicates the balances as they are displayed on the Account list Detailed Information To view detailed information relating to Call and Fixed Term Accounts, and Foreign Exchange contracts, click on the Account number, or Foreign Exchange reference. 8. Statements To view transactions online click on the View transactions tab on the left hand side of the Account list. Select the required account from the scroll list of account numbers using the drop down facility. Having selected the appropriate account, click on the Last 90 days or History request button depending on the type of statement required. The system will alert you if the selected account has no records to view. At the top of the screen for all Statement pages, the customer name and customer number for which the enquiry is being made is displayed Last 90 days By clicking on Last 90 days button, a list detailing the last 3 months transactional history (or 300 entries if the relevant period is shorter), showing the most recent transactions first, will be displayed. Entries shown in red indicate amounts that have been deducted from the account History request By clicking on History request, the period for the transaction History may be selected by the User. A number of default options are available or alternatively the period may be defined by the User. Default options: Last 7 days from today This calendar month Previous calendar month Last 30 days from today Own defined dates - From today in a range up to the beginning of the previous financial year. To use this option, click on the calendar icons next to the "From" and "To" boxes and select the range of dates required. The earliest date must be selected first followed by the most recent date Downloading Transaction History The transaction history may be downloaded after being displayed on the screen. The downloaded file will be saved as a.csv file that can be imported into spreadsheet software such as Microsoft Excel. 8

9 8.4. Printing Transaction History The transaction history can be printed by clicking on the Print button. Please ensure that the printer is set to landscape when printing transaction history. 9. Payments & Transfers To input a transaction the User must be registered with either View & Input or View, Input and Authorise rights. Payments & Transfers can only be amended by the User who initially created the instruction. To authorise a transaction the User must be registered with View, Input and Authorise rights and, where applicable, have the appropriate A or B signatory level. They must also be in possession of an activated Security Token. At the top of the screen for all transaction pages, the customer number and customer name from which a transaction or enquiry is being made is displayed. For ease of reference, the following terminology is used within the service From Customer the customer from whose account the transaction will be made. From Account the account belonging to the From Customer from which the transaction will be debited. To Customer the customer to whose account the transaction will be made. To Account the account belonging to the To Customer to which the transaction will be credited. All transactions consist of an Instruction, Confirmation, and Receipt Inter Account Transfers Instruction Select both the From Account and the To Account, before entering the transfer details. The transfer details include the transfer currency, which can be in either the From Account or To Account currencies, the transfer amount, again either the from or to amount and the narratives which will appear on both the From Account and the To Account statements. Having entered the instruction details, click on Continue to display the confirmation page Confirmation The Confirmation page details the instruction. Should any amendments be necessary click on the Back button at the bottom of the Confirmation page to return to the instruction page. If you have View, Input and Authorise User rights you will be required to authorise the transfer after you have reviewed and checked the instruction. To authorise the transfer enter the Security Code displayed on your Security Token and click the Confirm button. Should you want to Cancel the instruction altogether, click on the Cancel button and this will take you back to the Customer list. 9

10 Receipt A Receipt is displayed detailing all the transfer details, the transaction reference number and the name of the User who entered and/or authorised the instruction. The Receipt may then be printed, if required Transaction Parameters Detailed below are the transaction parameters for Inter account transfers: Instructions may be given for up to 100% of the available balance when transferring funds between accounts that are of the same currency. Cross currency transfers between accounts that are held in different currencies are available for the following currencies: GBP, USD, EUR, CHF, ZAR, AUD, CAD and JPY. All cross currency transfers are subject to Standard Bank's foreign exchange limits. Should the available balance be less than the foreign exchange limit, you will only be able to transfer up to the available balance. Foreign exchange charges (where applicable) should be taken into account when making cross currency transfers. All Inter account transfers may be requested, using the calendar button, for a forward value date up to 5 working days in the future, from the date of input. Fully authorised Inter account transfers will appear immediately on the transaction history. Any cross currency Inter account transfer that has not been fully authorised by the Group before the Bank s end of day process begins will automatically be deleted. An will be sent to the originating User the following morning, detailing the reference numbers of all deleted transactions. Same currency transactions may remain in the back end system unauthorised for up to 3 working days, day 1 being the date of input. At the close of business on day 3, any transactions that have not been fully authorised by the Group will be deleted. An will be sent to the originating user detailing the reference numbers of the deleted transactions. Transfers between accounts of different customers held with Standard Bank under the same Group number should be requested using Inter customer transfers. Transfers between accounts of different customers outside the Group held with Standard Bank should be requested using the Payments function. Payments to accounts held at other banks should be requested using the Payments function. Should you experience any problems when requesting an Inter Account Transfer please contact your Client Relationship Manager Inter Customer Transfers Instruction Select the From Account, To Customer, To Account and enter the Transfer details. The Transfer details include the transfer currency, which can be in either the From Account or To Account currencies, the transfer amount, again either to From or To amount and the narratives that will appear on both the From Account and the To Account 10

11 statements. Having entered the instruction details, click on Continue to display the Confirmation page Confirmation The Confirmation page details the instruction. Should any amendments be necessary click on the Back button at the bottom of the Confirmation page. This will take you back to the instruction page. If you have View, Input and Authorise User rights you will be required to authorise the transfer after you have reviewed and checked the instruction. To authorise the transfer enter the Security Code displayed on your Security Token and click the Confirm button. Should you want to Cancel the instruction altogether click on the Cancel button and this will take you back to the Customer list Receipt A Receipt is displayed detailing all the transfer details, the transaction reference number and the name of the User who entered and/or authorised the instruction. The Receipt may then be printed, if required Transaction Parameters Detailed below are the transaction parameters for Inter customer transfers: Instructions may be given for up to 100% of the available balance when transferring funds between accounts that are of the same currency. Transfers between accounts that are of different currency are available for the following currencies: GBP, USD, EUR, CHF, ZAR, AUD, CAD and JPY. (Cross currency transfers) All cross currency transfers are subject to Standard Bank's foreign exchange limits. Should the available balance be less than the foreign exchange limit, you will only be able to transfer up to the available balance. Foreign exchange charges (where applicable) should be taken into account when making cross currency transfers. All Inter customer transfers may be requested, using the calendar button, for a forward value date up to 5 working days in the future, from the date of input. Fully authorised Inter customer transfers will appear immediately on transaction history. Any cross currency Inter customer transfer that has not been fully authorised by the Group before the Bank s end of day process begins will automatically be deleted. An will be sent to the originating User the following morning, detailing the reference numbers of all deleted transactions. Same currency transactions may remain in the system unauthorised for up to 3 working days, day 1 being the date of input. At the close of business on day 3, any transactions that have not been fully authorised by the Group will be deleted. An will be sent to the originating User the following morning, detailing the reference numbers of all deleted transactions. Transfers to another account held with Standard Bank under the same Customer number should be requested using Inter account transfers. 11

12 Transfers between accounts of different customers outside the Group held with Standard Bank should be requested using the Payments function Payments to accounts held at other banks should be requested using Payments. Should you experience any problems when requesting an Inter customer transfer please contact your Client Relationship Manager Payments Instruction Select the From Account, To currency and either the From or To amount and enter the Payment and Beneficiary details. The Beneficiary details include: Country code of beneficiary bank Beneficiary Name Account number or IBAN number SWIFT code and/or Branch code Payment Narrative Branch address Depending on the country and currency of the payment some or all of these fields are mandatory. Unless there is a valid SWIFT or Branch code (sort code for UK banks) you will be unable to make the payment online. Country code of beneficiary bank mandatory - this should be selected from the dropdown list. Account number or IBAN IBAN is mandatory when making EUR payments to all European countries including the UK. The first 2 alpha characters of the IBAN should match the country code selected for the beneficiary bank. SWIFT code a SWIFT code is a unique 8 or 11 character, alpha or alpha numeric code used worldwide to identify banks and bank branches. These codes must be used when making payments in any currency to banks located in any destination, with the exception of GBP payments within the UK. Where a payment in GBP is being made to a bank outside the UK, it will require a valid SWIFT code. A SWIFT code is made up of the following: The first 4 characters are alpha eg. SBIC and identify the receiving bank The next 2 characters are the 2 digit ISO country code of the receiving bank eg.gb. These 2 characters should match the country code of the beneficiary bank The last 2 or 5 characters are alphanumeric and identify the branch of the receiving bank. Branch code only applicable for banks in the following countries GB, AU, ZA & US GB the Branch code for a UK bank is referred to as a Bank sort code. This is a unique 6 digit number used in the UK clearing system to identify bank branches and must only be used when making GBP payments to banks within the UK. Bank sort codes should be entered with no spaces or hyphens. 12

13 Australia and South Africa - Branch identity codes used in these countries should be entered in the branch code field and are validated. If you do not have a valid branch code, the branch address should be entered in the Branch address field. US - where a payment is being made to a US Bank in USD, the ABA (American Bankers Association) number should be entered into the Branch code field. This is a 9 digit number used to identify the receiving bank Either the ABA number or the SWIFT code must be entered. If the ABA number is available, then a SWIFT code is not required. If the ABA number is not available, then the SWIFT code of the receiving bank should be entered into the SWIFT code field, with the address of the branch entered into the Branch address field. Branch codes and SWIFT codes should be entered with no spaces or hyphens Confirmation The Confirmation page details the instruction. Should any amendments be necessary click on the Back button at the bottom of the Confirmation page. This will take you back to the instruction page. If you have View, Input and Authorise User rights you will be required to authorise the transfer after you have reviewed and checked the instruction. To authorise the transfer enter the Security Code displayed on your Security Token and click the Confirm button. Should you want to Cancel the instruction altogether click on the Cancel button and this will take you back to the Customer list Receipt A Receipt is displayed detailing all the transfer details, the transaction reference number and the name of the User who entered and/or authorised the instruction. The Receipt may then be printed, if required Transaction Parameters Detailed below are the transaction parameters for Payments: Payments may be made in the currency of the account up to 100% of the available balance of the account. Cross currency payments can be made in the following currencies GBP, USD, EUR, CHF, ZAR, AUD, CAD and JPY (eg. a GBP payment may be debited from a USD account). All Cross currency payments will be subject to Standard Bank foreign exchange limits. Charges (where applicable) should be taken into consideration when making payments. Payment requests are transmitted to Standard Bank and will be actioned in a timely manner, although the processing of a payment request may not always be simultaneous with a request being given. Payment requests may be subject to the Bank s call back procedures. All payments may be requested, using the calendar button, for a forward value date up to 5 working days in the future, from the date of capture. Any cross currency payment that has not been fully authorised by the Group before the Bank s end of day process begins will automatically be deleted. An e- 13

14 mail will be sent to the originating User the following morning, detailing the reference numbers of all deleted transactions. Single currency transactions may remain in the system unauthorised for up to 3 working days, day 1 being the date of input. At the close of business on day 3, any transactions that have not been fully authorised by the Group will be deleted. An will be sent to the originating User the following morning, detailing the reference numbers of all deleted transactions. Transfers to another account held with Standard Bank under the same Customer number should be requested using Inter account transfers. Transfers between accounts for different customers held with Standard Bank under the same Group number should be requested using Inter customer transfers. Transfers between accounts of different customers outside the Group held with Standard Bank should be requested using the Payments function. Should you experience any problems when requesting a Payment, please contact your Client Relationship Manager Stored Payments Payment details can be stored as templates using the Stored Payments function. By clicking on the tab, a Stored Payment can be created, viewed, selected, amended or deleted. Any number of payments can be stored. When a Stored Payment is selected to make a payment, a Security Code will be required to authorise the payment Create Stored Payment To create a new Stored Payment click on the Create New Stored Payment button. All fields except the Branch address and amount are mandatory and must be completed View Stored Payment To view a Stored Payment click on the Reference number on the Stored Payments list Select Stored Payment To select a Stored Payment for use, click on the Select button to display the payment details. Only the Payment narrative, amount and value date fields may be changed Amend Stored Payment To amend Stored Payments click on the Amend button to display the payment details. All the beneficiary details may be amended, including the amount. However the From account may not be amended. If this is necessary the Stored Payment should be deleted and re-created with the new From account details. Stored Payments can be amended by any User with transaction rights and is not restricted to the originating user. Stored Payments can only be amended using the Stored Payments Amend function and not through Pending Transactions. 14

15 Delete Stored Payment To delete a Stored Payment click on the Delete button to display the details and then click on the Confirm button. All Users who have transaction rights can delete Stored Payments Pending Transactions Pending Transactions displays a list of transactions and Stored Payments for the Group that have been input and are awaiting authorisation. By clicking on the Pending Transactions link from the Customer list you can select an individual transaction, all transactions, or make a selection by transaction type i.e. payments or transfers. From this list you can select an option to View, Amend, Delete or Authorise Payments and Transfers View a Pending Transaction To view a transaction click on the Reference number. This function is available to all Users Amend a Pending Transaction To amend a transaction, click on the Amend button to display the transaction. Amendments can only be made to transactions that are awaiting authorisation. It is not possible to amend a partially authorised transaction. Only the originating User can amend transactions. In the event that the originating User is not available, the transaction should be deleted using the Delete function and a new transaction input. For single currency Transfers only the transfer narrative and the amount can be amended. For cross currency Transfers the amount cannot be amended. Should amendment be necessary the Transfer should be deleted using the Delete function and a new transaction input. For single currency Payments the beneficiary and payment details and the amount may be amended. For cross currency Payments, the amount may not be amended. Should this be necessary the Payment should be deleted using the Delete function and a new transaction input Delete a Pending Transaction To delete transactions click on the Delete button to display the transaction details and click on the Confirm button. All Users who have transaction rights can delete a transaction whether they originally input the transaction or not. All pending transactions, including part authorised transactions, can be deleted. It is not possible to delete a fully authorised transaction. 15

16 9.6. Authorisation To authorise transactions individually, click on the Authorise button to display the details. The User will then be required to enter the Security Code displayed on their Security Token before clicking on the Confirm button. All users with authorisation rights will require a Security Token in order to authorise transactions. As each token is directly linked to a specific ICN, no sharing of tokens is permitted Batch Authorisation This function allows multiple transactions to be authorised by batch. This includes Inter account transfers, Inter customer transfers, Payments and Stored payments. To Batch Authorise transactions, click on the Batch Authorisation tab under the Pending transactions menu. All transactions available to the user will be displayed. Select the required transactions by ticking the check boxes and click Batch Authorise. The selected transactions will be displayed. The User will then be requested to enter a Security Code generated by their Security Token and click Confirm. A message Batch Authorisation complete will be displayed, if successful or transaction failed if unsuccessful. Receipts may be printed and retained for your records by clicking on the Print Receipts button. 10. Amending User profiles and rights Profile change To amend a User s Internet profile (e.g. Name, address and Telephone number) click on Profile from the Customer list User rights To amend a User s Transaction rights and Authorisation level click on Profile from the Customer list and then the User rights button. A new screen will appear detailing the User s current rights and allows amendment. User rights - these may be in line or lower than the Group s rights and must be in accordance with the bank account mandate. User rights default to view only. Authorisation level - the A or B Signatory button is to be selected, if applicable. If a user selects authorisation rights, a screen will be displayed asking for a delivery address for the Security Token. The delivery address should be a physical address as there may be problems with delivery to a PO Box address. The Security Token will be distributed when the user rights amend request has been approved by the Bank. Before a user can authorise transactions, the Security Token must be activated by logging onto International Online and clicking on the Security Token Activation button. By following the process, the Security Token is linked to the user s Internet Client number (ICN). No sharing of tokens is permitted as each token is directly linked to a specific ICN. The final page displayed is the User Rights Amend Confirmation form. This should be printed, completed as instructed with the User s specimen signature and signed in accordance with the Bank Account mandate. The form should then be faxed, posted or sent by as a PDF attachment to the Internet Administration Unit in the Isle of Man, as detailed on the confirmation form. 16

17 When the Confirmation form is received and processed by the Bank, which may include a security call back, Users will receive, by , confirmation that their User rights have been amended. For those users who have requested authorisation rights, the Security Token will be dispatched Deregister To deregister as a User of International Online, click on Profile from the Customer list and then the Deregister button. Complete the reason for deregistration and click on the Continue button. By deregistering the User s Internet Client Number will be disabled. If the user is in possession of a Security Token, this should be returned to the Internet Administration Unit in the Isle of Man. Should the User wish to use the service again in the future, they will need to register following the new user registration process. 11. Secure Messaging This function enables Users to send a secure free format electronic message to Standard Bank in an encrypted format, which ensures confidentiality. An acknowledgement confirming the successful dispatch of the message is displayed after it has been sent. The secure messaging facility may be used for general correspondence with the Bank (e.g. statement requests, notification of change of address or general enquiries) but not to give any Payment and Transfer instructions. 17