Banking Connection User Instructions
Total Page：16
File Type：pdf, Size：1020Kb
Samlink Ltd 16/03/2016 Banking Connection User instructions 2 (16) Table of contents 1 BANKING CONNECTION ................................................................................................ 4 1.1 CUSTOMER AUTHENTICATION .......................................................................................... 4 1.2 SERVICE HOURS ................................................................................................................. 4 1.3 THE CUSTOMER’S RESPONSIBILITIES AND OBLIGATIONS ........................................... 5 1.4 CONNECTIONS .................................................................................................................... 5 1.5 INSTRUCTIONS FOR APPLICATION ................................................................................... 5 2 ACCOUNT STATEMENT SERVICE ................................................................................ 5 2.1 RESPONSIBILITIES .............................................................................................................. 6 2.2 SCHEDULE ........................................................................................................................... 6 3 OUTGOING PAYMENTS ................................................................................................. 6 3.1 PAYMENT DATE................................................................................................................... 7 3.2 SCHEDULE ........................................................................................................................... 7 3.3 BALANCE ............................................................................................................................. 8 3.4 CANCELLATION OF PAYMENTS ........................................................................................ 8 3.5 PAYMENTS OF TAXES AND LOANS .................................................................................. 8 3.6 EXPRESS GIROS IN XML FORMAT .................................................................................... 8 4 INCOMING REFERENCE PAYMENTS (FORMER ELECTRONIC TRANSACTION LIST) .................................................................................................................................... 8 4.1 REFERENCE NUMBER ........................................................................................................ 9 4.2 GIRO FORM .......................................................................................................................... 9 4.3 REFUNDS TO THE PAYEE’S ACCOUNT............................................................................. 9 4.4 PRINTOUTS ........................................................................................................................ 10 4.5 SCHEDULE ......................................................................................................................... 10 5 E-INVOICE, FINVOICE FORWARDING SERVICE ........................................................ 10 5.1 E-INVOICING ADDRESS .................................................................................................... 11 5.2 INTRODUCING THE SERVICE ........................................................................................... 11 5.3 SCHEDULE ......................................................................................................................... 12 5.4 PRINTOUTS ........................................................................................................................ 12 5.5 THE PAYEE’S RESPONSIBILITY ....................................................................................... 12 5.6 THE PAYER’S RESPONSIBILITY ...................................................................................... 13 6 E-BILL SERVICE............................................................................................................ 13 6.1 AGREEMENT WITH THE BANK ......................................................................................... 13 6.2 SENDING PAYEE NOTIFICATIONS ................................................................................... 13 3 (16) 6.3 RECEIPT OF E-BILLING ADDRESS NOTIFICATIONS ...................................................... 15 6.4 TRANSMISSION OF E-BILLS ............................................................................................. 15 6.5 LINK TO THE PAYEE’S DISPLAY SERVICE ..................................................................... 15 4 (16) 1 BANKING CONNECTION Banking Connection is a service package based on a Web Service connection. It allows the customer to pay invoices and wages and collect receivables using either account transfers with reference numbers or e-invoices in Finvoice format. The customers can use the service with their own equipment or with the service centre equipment. The Web Service can also be used to collect account statements from the bank and to enquire about the account balances and transactions. E-invoices in Finvoice format can also be uploaded and downloaded as material transfers. Up-to-date foreign currency rates are also available. Use of the Banking Connection services is based on the WebServices channel. Samlink Ltd provides the Banking Connection services to the customers of Aktia Bank plc, Handelsbanken, the Savings Banks and POP Banks. The customers shall agree on the use of the service with their banks. 1.1 CUSTOMER AUTHENTICATION Web Services channel The customers are authenticated using their WS IDs and the associated certificates. The one-off password required for obtaining the certificate is given to the customer in two parts. The customers receive the first part from their bank when signing the agreement for use of the Web Services connection. The other part is sent to the customers in a letter. The bank marks the envelope with an allocation code relating to the WS connection agreement, allowing the received letter to be linked with the agreement. If the customer has an application supporting the electronic processing of certificates, the one-off password is used to confirm the collection of the certificate in the WS channel. The customer uses the certificate, or rather the private and public keys, for signing materials and their transmission, while the bank uses it for authenticating the customer. The signature allows the bank to verify that the material was approved with a signature by a party authorised to use the certificate concerned and the corresponding service. At the same time, it is verified that the material has not been modified after it was signed. The certificate remains valid for two years, after which it must be renewed. The bank cancels the certificate if the customer suspects unauthorised use of the private key or wants to have the certificate cancelled for other reasons. After cancellation, a new certificate can be ordered from the bank when required. The customer is responsible for making the cancellation request, as well as for ordering the new certificate which usually requires renewal of the agreement at the bank. Termination of the agreement closes the certificate, and it cannot be re-activated. 1.2 SERVICE HOURS Banking Connection is available 24 hours a day, 7 days a week. Samlink Ltd reserves the right to have service interruptions due to maintenance, modifications or other incidental occurrences beyond the control of Samlink Ltd. The 5 (16) interruptions are usually of short duration, and Samlink strives to inform customers of them in advance as far as possible. The customer can send and collect materials at the desired times, but the service-specific timetables shown below apply to different services. Balance and transaction queries The services provide real-time information and are available 24 hours a day, 7 days a week. Exchange rates The exchange rates are updated three times a day, by 9:30, 12:30 and 15:45 hrs. 1.3 THE CUSTOMER’S RESPONSIBILITIES AND OBLIGATIONS The customer is responsible for the correctness of submitted information. The customer is liable for any damage or loss caused by its employees or third parties it uses. The customer is also liable for any damages or loss caused by use of the services contrary to the agreement or instructions. 1.4 CONNECTIONS The addresses for the Web Services connection are available at Samlink's website www.samlink.fi under the Web Services descriptions. 1.5 INSTRUCTIONS FOR APPLICATION Separate instructions have been produced for applying the Banking Connection services. They are available at http://www.samlink.fi/ohjelmistopalvelut/. 2 ACCOUNT STATEMENT SERVICE The account statement service refers to a service where the party with a legal obligation to keep books receives the itemised transaction details as an electronic account statement. The account statement service is based on statement no. 1114/1990 by the Finnish Accounting Standards Board, stating that the account statement contains sufficient details of transactions. These sufficient identification details are made up of the archiving code of the transaction, names of the payer and payee as well as the message details associated with the transaction. In addition to the electronic account statement, the customer can also obtain on-line account statements or printed account statements from the bank. 6 (16) The electronic account statement can be downloaded from the WS channel on the basis of an agreement concluded with the bank. The electronic account statements can be either in the Finnish KTO format or in XML format. The payers