|
|
|  | Online Services | |
 Optim Internet
| |
Optim Internet is Calyon's Internet Banking solution for France.
Optim Internet's reporting module encompasses two sub-modules featuring :
· account balances and transaction details for all accounts covered by the Optim Internet contract, whether held with Calyon in France, with Crédit Agricole's Regional Banks network, or with other banks worldwide.
· For added convenience, a specific submodule shows all intra-day movements that have affected your accounts with Calyon.
The Initiation module enables you to :
· Capture or import domestic payments online and send them to Calyon,
· Follow-up the status of your posted transactions.
Using the Upload Module, customers can also transmit order files secured with a smart card-based digital certificate, and validate online their files transmitted via the ETEBAC3 procedure.
Finally, the eCredoc® service offers online L/C opening and/or amendments, as well as documentary remittance handling.
Security, privacy and confidentiality of our customers' information are of great importance to us.
Optim Internet relies on a public key/private key infrastructure technology and makes use the Credit Agricole Group's own digital certificate solution: CA-International Certificate. These certificates, either smart card-based or software-based, guarantee:- Authentication
- Data Integrity
- Confidentiality
- Non-repudiation.
Optim International
| |
Optim International is Calyon's client-server electronic banking solution. Optim International is not an Internet banking system requiring a permanent connection. On the contrary, Optim is an "off-line" system, where the database is stored on your own PC or network. This database is updated when you communicate with the server, allowing you to send your payment instructions for processing. Offered to Asian clients since 1996 and in Middle East since 2003, Optim International is regularly used by over 800 clients worldwide.
Optim International's reporting services allow you to display the following information for an unlimited period of time:
Cash : Net value and accounting balance of all your accounts, intra-day transactions, transactions, deposits, forex, loans, estimated exchange rates.
Trade : Import and export letters of credit, bills and all forms of banking collateral securities and guarantees.
The Initiation services allow you to prepare, sign and send the following orders to Calyon:
Cash : Transfers between accounts, cashier's orders, drafts, domestic transfers and electronic transfers.
Trade : Opening and amendments of letters of import documentary credit.
Moreover, should your activity take place in several countries, Optim International allows you to form multi-company, multi-country and even multi-bank contracts for a swift consolidation.
The Optim International client software is a high-powered, user-friendly program which works under Windows (3.11, 95, 98, 2000, XP, NT, 2000Pro). It can be used as part of a network or on an individual computer. Communication with the Optim server can be achieved either using a modem or through an Internet connection.
Security is one of Optim International's key features. Data is encrypted at all the stages of transmission, and the users receive tailored rights of access. Transactions are signed using a crypto-calculator, thus offering security similar to that of a smart card. Moreover, the " exposed " information is limited to the update between the server and your PC, hence considerably reducing the risk of security breach.
For Clients with regular and/or numerous payments to process, Optim International features a customisable import function allowing payments to be prepared and verified in your accounting software and imported into Optim rather than manually re-captured.
Finally, the complete integration into a single server, coupled with a cash-pooling offer available in numerous countries make Optim International an effective tool for regional and global treasury centers.
Optim.Net
| |
Optim.Net is Calyon's most recent Internet banking platform. Result of the " Internetisation " of Optim International, Optim.Net encompasses all the developments achieved for the client-server, providing you top-of-the-range functionalities on the Internet.
Optim.net's reporting modules feature :
· account balances and transaction details for all accounts covered by the Optim.net Contract (multi-bank, multi-country, multi-company),
· treasury operations such as loans, deposits, FX, and interest rate swaps,
· indicative exchange rates for all major currencies, allowing swift conversion of all your accounts in your reference currency.
More than a mere reporting system, Optim.net streamlines your payments through its "Payments" module (available since July 2004). The various types of payments featured include:
· telegraphic transfer,
· intra-Group transfer,
· local payments,
· demand draft,
· cashier's order.
For Clients with regular and/or numerous payments to process, Optim.net also features a customisable import function allowing payments to be prepared and verified in your accounting software rather than manually re-captured.
User rights administration is identical to that of Optim international, i.e. each agent is granted a specific Data Access Profile and Function Access Profile with specified signature limits. This flexibility allows you to tailor Optim.net to your organisation.
Optim.Net relies on a public key/private key infrastructure technology and makes use the Credit Agricole Group's own digital certificate solution: CA-International Certificate. These certificates, either smart card-based or software-based, guarantee:
· Authentication
· Data Integrity
· Confidentiality
· Non-repudiation
More information: www.optimnet.calyon.com
Optim Clic
| |
Optim Clic : Calyon's Internet Solution for Eastern and Middle Europe.
Calyon was among the first banks to offer electronic banking services in Central and Eastern Europe. We succeeded in offering high quality products that adequately substitute a large branch network, giving access to a wide range of banking services.
The new Internet based system, Optim Clic, was designed to cover both daily paying and receiving activity and advanced cash management.
Available through the Internet, it allows a flexible and secure way of remote banking from any global location. Data can be accessed and transactions can be initiated simultaneously from different offices of the same company.
A complete range of banking services
Optim Clic is designed to address the day to day banking needs of large corporates and provides access to a wide range of Calyon services.
All local and international means of payments are available in 6 European countries: domestic transactions (RTGS transactions as well), foreign exchange transactions, bulk payments, direct debits, postal payments, third party transactions.
Optim Clic can handle large volumes of data and provides:
- real time transactional and balance reporting,
- advanced cash management features,
- and additional added value features from standing orders to merged account simulation.
Advanced cash management
Optim Clic provides advanced cash management tools designed for a company treasurer: real-time access to balances, exchange rates and market information as well as cash pool reporting. A one-screen dashboard shows the global picture : the financial position of the entire company or selected by profit centers. A collection of simulation tools is also available.
Security
Optim Clic includes a state of the art security system, based on smart card technology.
Essential elements of the data security are:
- User access: The identification of the user at login and the enforcement of relevant access and authorisation policies is based on the personal smartcard of the user and the parameters configured by the bank.
- Authentication: All Optim Clic users have personalised chip cards for authentication. Personal signature key and password are stored on the chip card. Mutual identification of parties (the user and the bank) is performed before each communication session.
- Confidentiality: All data transmitted through the Internet network is encrypted, hence no unauthorised party can have access to the data transmitted between user (browser) and the bank (web server).
- Integrity: The integrity of transmitted and stored data is checked against accidental or purposeful alteration. Data can not be lost or stolen through the Internet channel.
- Non-repudiation: Messages transmitted are secured with digital signatures in order to assure the authenticity of the sending party. All user and system activity is stored in a comprehensive audit log on the bank server. The audit log records all user activity done on the CLIC system. An audit log viewer on the client side of Optim Clic enables to query all relevant activities for the Optim Clic user.All security elements of Optim Clic were certified by KPMG.
SWIFTNET – SWIFT for Corporates
| |
Calyon is extending the range of SWIFT services available to companies, enabling them to gain direct access to SWIFTNet services.
The move to give companies access to the SWIFT network opens up new Cash Management possibilities, giving staff a single platform for communicating with approved banks. This enables them to streamline their transactions using common international standards and harmonised, reliable security systems.
Calyon, positioned very early like a major actor of the banking environment to promote and develop this world exchange protocol, was the main actor of the SWIFTNet FileAct electronic signature integration.
Today, Calyon proposes a worldwide range of services of Cash Management and Treasury:- Cash Management:
- reporting: different types of statements (FIN MT940/MT942 or FileAct CFONB 120/240),
- transactional: payment orders, unit or bulk payments (FIN MT101, FileAct CFONB 160/320/400 or other domestic formats - ex.: Hungary, Czech republic...),
- Treasury:
- Treasury & Foreign Exchange deals confirmations (FIN MT3XX),
- notices to receive (MT 210).
In parallel, Calyon makes move its offers according to the new services SWIFT (SCORE) and its customers' needs.
At the end of 2006, Calyon gathered the whole of its e-Business and Cash Management specialists throughout the world in only one worldwide business line. The main objectives of this new business are:- to reinforce the offer of Cash Management of CALYON in all the countries where the bank is present,
- to define the marketing strategy by focusing on the innovating products,
- to maximize the cross-selling.
The development of SWIFTNet is fully integrated in the objectives of this business line and is one of its top priorities. A team of SWIFTNet specialists has been created to help the Corporates to setup their SWIFTNet project.
|
|
|  |
|