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Online banking is an electronic payment system that enables customers of a financial institution to conduct financial transactions on a website operated by the institution, such as a retail bank, virtual bank, credit union or building society. Online banking is also referred as internet banking, e-banking, virtual banking and by other terms. To access a financial institution's online banking facility, a customer with Internet access would need to register with the institution for the service, and set up a password and other credentials for customer verification. The credentials for online banking is normally not the same as for telephone banking. Financial institutions now routinely allocate customers numbers, whether or not customers have indicated an intention to access their online banking facility. Customers' numbers are normally not the same as account numbers, because a number of customer accounts can be linked to the one customer number. The customer number can be linked to any account that the customer controls, such as cheque, savings, loan, credit card and other accounts. To access online banking, a customer visits the financial institution's secure website, and enters the online banking facility using the customer number and credentials previously setup. Online banking services usually include viewing and downloading balances and statements, and may include the ability to initiate payments, transfers and other transactions, as well as interacting with the bank in other ways. ==Features== Online banking facilities offered by various financial institutions have many features and capabilities in common, but also have some that are application specific. The common features fall broadly into several categories: * A bank customer can perform non-transactional tasks through online banking, including - * * Viewing account balances * * Viewing recent transactions * * Downloading bank statements, for example in PDF format * * Viewing images of paid cheques * * Ordering cheque books * * Download periodic account statements * * Downloading applications for M-banking, E-banking etc. * Bank customers can transact banking tasks through online banking, including - * * Funds transfers between the customer's linked accounts * * Paying third parties, including bill payments (see, e.g., BPAY) and third party fund transfers (see, e.g., FAST) * * Investment purchase or sale * * Loan applications and transactions, such as repayments of enrollments * * Credit card applications * * Register utility billers and make bill payments * Financial institution administration * Management of multiple users having varying levels of authority * Transaction approval process Some financial institutions offer special internet banking services, for example: * 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. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「online banking」の詳細全文を読む スポンサード リンク
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