DIGIPASS

The DIGIPASS looks like a small calculator. That small device generates a digital signature that makes it possible for you to connect, sign your transactions, etc. It calculates a new signature every time you use it, which guarantees an optimal security. The DIGIPASS can be used both as : a traditional calculator, an authenticator calculator device. This American word simply refers to a number of 6 digits - generated by DIGIPASS - guaranteeing the origin of a message, or event he integrity of its contents. The Digipass is protected by a password that is personal.

e-TOKEN

Kind of small key to insert into the USB port of your PC and on which your certificate and your two keys (private/public keys) have been previously entered in accordance with the PKI certificate method (Public Key Infrastructure). Your e-Token is protected by a personal PIN code. When you log on to B-Web, you are asked to enter your personal password that will make it possible to unlock the e-Token so that B-Web may have access to your certificate/asymmetrical keys. The secured channel between your PC and the computer of the Bank may then be set up.

IBAN

The IBAN (International Bank Account Number) stems from works engaged within the European Committee of Banking Standardization (CENB) and the International Standard Organization (ISO), to facilitate the treatment of the international but especially cross-border operations from the beggining to the end.
It allows the principal banker to seize quickly a number without a break between the operation.

The IBAN was adopted in Europe according to the European circular AFB n°97/075 and by the Norm ISO n°13616.

The structure is as following : PP CC NNNN…NN

	PP	is equivalent to the country code ISO 3166
	CC	is a verified digit number (see method of calculation farther)
	NNNN…NN	is equivalent to the BBAN used in the bank

EXAMPLE

In BURUNDI, the number IBAN of the account 201-0005272-81 will be "BI24 2010 0052 7281".

This calculation has to be made in 3 stages :

Stage 1 :
Indicate the number BBAN followed by the country code and of "00".
For the number "201-0005272-81" 201000527281 BI 00.


Stage 2 :
Convert letters into digit numbers, according to the table of conversion below.
201000527281 1118 00

Stage 3 :
Apply Modulo 97 and deduct the rest of 98, if the result contains a single digit only , put one "0" in front. Insert the result obtained in the position 3 of IBAN (just after the country code ).
98 - 74 = 24 the IBAN of our account will be "BI24 2010 0052 7281"

NETTING

SWIFT