外国人最想和你聊的时事话题：超级网银

　What is super online banking system　什么是超级网银
     Online banking (or Internet banking) allows customers to conduct financial transactions on a secure website operated by their retail or virtual bank, credit union or building society.
     Online banking solutions have many features and capabilities in common, but traditionally also have some that are application specific.
     The common features fall broadly into several categories
     1. Transactional (e.g., performing a financial transaction such as an account to account transfer, paying a bill, wire transfer, apply for a loan, new account, etc.)
     (1) Payments to third parties, including bill payments and telegraphic/wire transfers
     (2) Funds transfers between a customer's own transactional account and savings accounts
     (3) Investment purchase or sale
     (4) Loan applications and transactions, such as repayments of enrollments
     2. Non-transactional (e.g., online statements, cheque links, cobrowsing, chat)
     (1) Viewing recent transactions
     (2) Downloading bank statements, for example in PDF format
     (3) Viewing images of paid cheques
     3. Financial Institution Administration
     4. Management of multiple users having varying levels of authority
     5. Transaction approval process
     Features commonly unique to Internet banking include:
     (1) Personal financial management support, such as importing data into personal accounting software. Some online banking platforms support account aggregation to allow the customers to monitor all of their accounts in one place whether they are with their main bank or with other institutions.
     Protection through single password authentication, as is the case in most secure Internet shopping sites, is not considered secure enough for personal online banking applications in some countries. Basically there exist two different security methods for online banking.
     (2) The PIN/TAN system where the PIN represents a password, used for the login and TANs representing one-time passwords to authenticate transactions. TANs can be distributed in different ways, the most popular one is to send a list of TANs to the online banking user by postal letter. The most secure way of using TANs is to generate them by need using a security token. These token generated TANs depend on the time and a unique secret, stored in the security token (this is called twofactor authentication or 2FA). Usually online banking with PIN/TAN is done via a web browser using SSL secured connections, so that there is no additional encryption needed.
     Another way to provide TANs to an online banking user is to send the TAN of the current bank transaction to the user's (GSM) mobile phone via SMS. The SMS text usually quotes the transaction amount and details, the TAN is only valid for a short period of time. Especially in Germany and Austria, many banks have adopted this "SMS TAN"service as it is considered very secure.
     (3) Signature based online banking where all transactions are signed and encrypted digitally. The Keys for the signature generation and encryption can be stored on smartcards or any memory medium, depending on the concrete implementation.
     超级网银（Super-Internet-Bank)具有：统一身份验证（authentication forms）、跨行账户管理（inter-bank account management）、跨行资金汇划(inter-bank fund remittance and transfer)、跨行资金归集(interbank settling accounts of fund)、统一直联平台、统一财务管理(financial management)流程、统一数据格式等七种产品特色。使用传统网银(traditional online bank)，想知道自己在各家银行账户的情况如何，需进行多次登陆(log on)、查询操作。而Super-Bank通过统一的操作界面，查询管理多家商业银行开立的结算账户资金余额(balance)和交易明细(transaction details)，一个工行U盾就能完成所有银行的网银登陆。使用Super-Bank，可直接向各家银行发送交易指令并完成汇款(remittance)操作。Super-Bank还有强大的资金归集功能，可在母公司结算账户与子公司的结算账户之间建立上划下拨关系。