This server checks all access to customer and account information and is the counterpart of the Java applet running in the customer's browser. The server, which is written totally in Java, can run on any modern operating system and any hardware platform, and is therefore scalable to any future transaction load. The server is designed for performance and security. No other software installation is required, and corporate firewalls and proxy setups are not an obstacle. The customer can do banking from home, the office or from virtually anywhere in the world.
Firewalls block direct or unauthorized access via the Internet and the intranet.
Communication via the Internet is, through the use of IBM's security technology, immune to hackers. IBM has developed a new technology that offers more protection than the encryption methods generally used today on the internet. Access to the home banking application and the data is protected by a user id and passphrase. The customer gets an initial passphrase from the bank and is encouraged to change this passphrase immediately. The passphrase never crosses the internet and is not stored at ARZ in clear form.