The Procedure for Concluding and Settlement Agreements Using Internet Banking

Abstract

Problem setting. the conditions of contracting the provision of services online banking service and settlements for individuals and legal entities, payment processing electronic documents in particular should pay attention to important details – the electronic signature and implementation of legislation on them. One should consider the responsibility of the bank and the customer during operations. An important aspect here is security during transactions through Internet-banking, because a dangerous process and may lead to unauthorized use or interception of data for processing the transaction. Currently, a rapidly growing Internet banking. This type of service provided by many banks of Ukraine, including Privatbank, Alfa-Bank, FUIB, Fidobank, Pravex-Bank, Imex Bank and others. Internet banking is very popular, especially in terms of legal entities, now it is possible to perform a large number of payments without leaving the office. Therefore, in my opinion, it is important to pay attention to legal regulation of issues related to customer service, and specify exactly which procedure the contract with the service Internet banking, which follows this procedure. Does the performance of services legislation of Ukraine. As documents drawn up during the calculation and what electronic documents and electronic signature. How is the safety during operations with cards. Who is responsible for the calculations online. Article’s main body. So, the problem of online banking is that there is no complete legal framework, litigation, lack of security when using the system. State study: The issue of Internet banking was considered by many experts in economics, finance, management, and analytics. Serbyn AG considered the nature, characteristics and purpose of Internet banking. It provided the factors that impede the development of Internet banking – is limited access to the Internet; lack of skills use; low level of information security in this area; inadequate legal and regulatory framework. Vasilyeva I. A. – The nature and safety while using the services of banks. She noted that banks introduce additional products that enable customers to protect the use of Internet banking. This electronic signature, SMS-code, information when you log in, the availability of personal settings of the client system. Samson L. A. paid attention to types of banking risks and the Internet. Yasynska N. A. N. A. Shira – Payment instruments, problems in regulating the Internet bankinohom. Also studied the issue of Internet banking and security issues. On the advantages of online banking and the importance of improving the safety O.O. Chub investigated, O. D. Vovchak, A. Bourgeois In the work described prospects for development of the system – it can be a virtual market for financial services and products that are necessary for both individuals and large companies. Conclusions and prospects for the development. Internet banking, research the basic conditions for the conclusion of the contract, including the identification of the person in the course of payment security conditions. payment documents, liability of the parties.