In today’s networked world of the internet, the browser and e-mail are the ubiquitous software tools used for information exchange. These tools do not adequately support secure file transfer of anything but small files while the ability to track and audit file movement is limited.

With limited options, many businesses are forced to use store-and-forward email services or have to rely on IT resources for FTP as an alternative.

Online Banking Solutions (OBS) has developed a product package designed to provide simple and secure file exchange between the bank and its customers through any of three (3) delivery channels: Web, Desktop Connection or Secure FTP.

With M-Secure File Transfer OBS banks can transmit and receive data automatically without scripts or manual intervention using the web, OBS Desktop Connection Client or Secure FTP.

Online Messenger will regularly check for files to be delivered to clients or sent to the bank from designated folders on the customer’s PC.

Customers only have to place a file in the designated "send" folder and the file will be automatically transmitted to the bank. No complicated FTP processes, no modems, no scripts.

Data Delivery is secure, using a strong encryption algorithm - blowfish - with a 448-bit key. Each user has a unique User ID and Password that must be changed every 30 days.

OBS banks can optionally offer email and cell phone alerts to notify clients immediately when a file has been sent. Different users may have different alert settings and users can control their alert settings via the Internet administration functions.

File Types Eligible for Online Delivery:

From the Bank:
BAI version 2 Information files
Account Reconciliation files
Lockbox Data files

To the Bank:
NACHA formatted ACH files
Positive Pay Check Issue files

Download a viewable schematic here.