In order to provide quality of service trough different communication channels, the infrastructure of the e-banking solution should meet the following requirements:

• Access to different service channels
• Sharing of common business logic
• Secure information exchange with the users
• Integration in the existing core-banking Information Systems
• Future-proof ability for expansion

To meet these requirements, Pexim Solutions developed a solution that addresses three key characteristics of the service: high availability, scalability, and security. The architecture meets these requirements across the network, the service channels, the database, and the server's operating system.

The architecture is designed to separate the presentation from the business logic, which leads towards sharing of common business logic for different presentation channels.

The integration with the existing core-banking Information Systems is achieved with adapters. The adapters include support functional specifications, transaction's system and triggers that generate events in the system.

The network is scale-ready, appropriate for scale-in or scale-out. The Software is implemented in an N-Tier architecture, which allows phase upgrades. It gives a future-proof ability for expansion of the system.

Trust, Privacy and Security

The security is considered trough the combination of technologies and procedures, which are identified in the components of Network Security, Data Integrity and Authentication.

The network security implements:

• Extended Access Control Lists (ACL) on routers
• IOS Firewall Feature Set (FFS)
• Secure PIX Firewalls

The Data Integrity is achieved with implementation of SSL (Secure Socket Layer) at the Transport Layer and PKI (Public Key Infrastructure) at the Application Layer.

Different methods of identity check are used to verify the users identity. It includes the use of:

• User name and password
• Cookies
• Digital Certificates (stored on security medium; miniCD or Smart Card)

With the implementation of the end-to-end security pack, the protected services are proven to be unbreakable in a lifetime.