code authenticator - Lloyds Bank Commercial Bank

code authenticator - Lloyds Bank Commercial Bank
CODE
AUTHENTICATOR
User guide
1
Contents
Introduction 1
Service administrator 2
Role and responsibilities
2
Adding
3
Deleting and suspending
3
User 4
Role
4
Adding
4
Deleting and suspending
4
Smart cards 5
Issuing
5
Ordering replacements
5
Reader 6
Checking battery life
6
Ordering a replacement
6
PIN
7
Setting your PIN
7
Changing your PIN
8
Security and risks 8
Generating codes 9
Payment codes
9
Non-payment codes
10
Currency codes 12
Contact points 13
2
Introduction
With our Code Authenticator service you can securely
authorise the requests you send to us. You’ll use the Smart
Card and reader to generate a unique authentication code,
protected by the latest encryption technology.
Benefits
• You choose who can authorise instructions
for your business.
• Payment details cannot be altered as they are
embedded into the code.
• A full audit trail is available.
In this guide
• Definition of the two roles available, service
administrator and user.
• Introduction to the Smart Card and reader.
• Instructions on generating the two types of code,
payment and non-payment, to allow you to securely
send instructions to us.
• Explanation of what types of instructions are accepted
under which code.
Please note: the code verifies the originator of the request
only and does not replace your bank mandate. All requests
must still be signed in accordance with this mandate to
enable us to act upon that request.
1
Service administrator
Role and responsibilities
The service administrator(s) will be the main point of
contact within your business on matters connected
with this service. We recommend that there are at least
two people in this role to allow for cover should one be
unavailable. Depending on the size of your business more
may be required.
Service administrators are responsible for:
• Issuing cards to any individual registered with the
service, including themselves.
• Completing and returning the card receipts so that the
cards can be activated.
• Holding any additional cards securely until they
are required.
They can:
• Generate authentication codes in the same way as any
other user.
• Deal with queries we may have regarding the
instructions we receive.
• Suspend or delete the card of another service
administrator or user.
• Apply for additional user roles and maintain users within
that role.
• Request replacement cards and readers.
2
Adding a new service administrator
If your business needs a new service administrator,
including upgrading an existing user to that role, please
ask for an application form from your service centre or
business manager. This must be completed and signed,
in accordance with your bank mandate, and returned
to your usual point of contact within the bank (refer to
page 13 for details).
Deleting and suspending service administrators
To delete a service administrator from this service,
temporarily suspend their card or reinstate a suspended
card, please telephone E-Operations.
Please note: your request will only affect the Code
Authenticator service. If changes are required to your
signing mandate, please contact your service centre
or business manager.
3
User
Role
Users can generate authentication codes, which will
confirm who sent the instruction to us.
Adding users
If a new user role is required, please ask for an application
form from your service centre or business manager. Once
completed by your service administrator, it should be sent
back to E-Operations at the address shown on the form.
A Smart Card should be issued to the new user from the
stock held by the service administrator and the signed
receipt returned with the application form.
We will send confirmation to the requesting service
administrator once the user and card have been activated.
Deleting and suspending users
To delete a user from this service, temporarily suspend
their card or reinstate a suspended card, a service
administrator should telephone E-Operations.
Please note: your request will only affect the Code
Authenticator service. If changes are required to your
signing mandate, please contact your service centre
or business manager.
4
Smart Cards
Issuing Smart Cards
A Smart Card should be issued to each person authorised
by your organisation to authenticate instructions.
The code generated enables us to identify which individual
has authenticated the request.
A card will only be activated once the card receipt is
authorised by a service administrator and returned to us
for activation by E-Operations.
Ordering replacements
The service administrator(s) should maintain the stock of
spare, unassigned cards. Depending on your organisation’s
usage and turnover of cards, a request for new cards
should be made before the last card is issued. To do this, a
service administrator must obtain an order form from your
service centre or business manager.
5
Reader
The reader can be shared between users who are
authorised to generate codes. They have been designed
to work with several of the services provided by us and so
there are certain functions the reader can perform which
are not applicable for the Code Authenticator service.
Checking battery life
In normal use, the battery life will be between three and
five years, after which time the reader will need replacing.
It is possible to obtain a reading of the remaining power of
the battery, which is shown as a percentage. Periodically,
please carry out the following:
• Turn on the reader by either inserting your card or
pressing the blue button in the bottom left-hand corner.
• When prompted, press the Menu button twice. Test
Battery will be displayed on the screen. Press OK.
• The percentage of remaining battery power will be
displayed in the bottom right-hand corner.
• If the reading is shown as 7% or less please order a
replacement reader.
The reader is a sealed unit and no attempt should be
made to disassemble it. Readers and Smart Cards are the
property of Lloyds Banking Group and should not be used
other than in accordance with this user guide.
Ordering a replacement
To request a new or replacement reader, your service
administrator should obtain an order form from your
service centre or business manager.
6
PIN
The first time you enter your card into a reader, you will be
prompted to choose a PIN. This must be between six and
12 digits long and something easily remembered by you
but not easily guessed by others.
Please note: after choosing your PIN, if it is entered
incorrectly three times in a row, the card will become
invalid and need replacing from the stock held.
Setting your PIN
• Insert your card into the reader in the direction indicated
on the card.
• New PIN will be displayed on the screen. Enter your
chosen PIN (between six and 12 digits) and press OK.
• Confirm PIN will be displayed on the screen. Re-enter
your chosen PIN and press OK.
• The reader will now confirm that your PIN has been
accepted and will display a PIN accepted message.
If you enter a wrong digit, you can simply press the C
button to delete it. Wrong PIN will be displayed if an invalid
PIN has been entered.
7
Changing your PIN
You may change your PIN at any time. To do this:
• Insert your card into the reader in the direction indicated
on the card.
• When prompted, press the Menu button four times.
Change PIN will be displayed on the screen. Press OK.
• Old PIN will be displayed on the screen. Enter your
current PIN and press OK.
• New PIN will be displayed on the screen. Enter your new
PIN (between six and 12 digits) and press OK.
• Confirm PIN will be displayed on the screen. Re-enter
your new PIN and press OK.
• The reader will now confirm that your new PIN has been
accepted and will display a PIN Accepted message.
If you enter a wrong digit, you can simply press the C
button to delete it.
Please note: your new PIN cannot be the same as the one
it is replacing. Weak PIN will be displayed if the same PIN
has been entered.
Security and risks
Please be aware that fax is not a secure method of
contacting us. A fax may be intercepted, giving someone
outside your organisation access to confidential
information. It is not possible for us to know whether a
signature on a fax is genuine. Please see section two of the
original application form for further details.
Please choose your PIN carefully and never write it down.
If you think someone else knows your PIN, change it
immediately as described in the previous section.
It is the cardholder’s responsibility to keep their card safe
and secure. Any lost or stolen cards should be reported
immediately, via a service administrator, to E-Operations.
8
Generating codes
There are two types of code that can be generated using
the Smart Card and reader: payment and non-payment.
The code confirms that the individual creating that
particular code can authorise instructions on behalf of
your organisation.
Please note: all requests must be signed in accordance
with your bank mandate.
Payment codes
Payment codes must be used when requesting a transfer
to other accounts (e.g. CHAPS or international payments
to a third party) or a Sterling or international draft.
Before generating your code, first complete our standard
request form, as you will require information from it to
produce the code.
• Insert your card into the reader in the direction indicated
on the card.
• When prompted, press the Menu button once. Press OK.
• 1 Payment will be displayed on the screen. Press OK.
• The screen will display Currency. Enter the two-digit
currency code relevant to your request (as shown in the
Currency code section) and press OK.
• On the Amount screen, enter the amount in whole units
only, e.g. 46,859.65 should be entered as 46,859. Do not
round the figure up. Press OK.
• Your A/C will be displayed on the screen. Enter a
minimum of eight digits from the account number to be
debited. Please include any leading zeros. Press OK.
9
• Payee A/C is then displayed. Enter the first 12 digits
(or less if applicable) of the receiving customer account
number or international bank account number (IBAN)*.
Starting from the left, you should leave out any letters
and enter numbers only. For example, the IBAN
IE29 AIBK 9311 5212 H 3456 78 should be entered as
299311521234. Press OK.
• Enter your PIN and press OK.
• Your unique eight-digit authentication code will be
displayed. This code is valid for seven days.
Please note: your request must include your user name, the
code itself and the date the code was generated. Please
clearly print this information on your instruction to us.
* Where a payment is to be sent via a forwarding account and two (or more) beneficiary
accounts are used, please use the account number of the ultimate beneficiary when
generating the code. For drafts and certain international payments a payee account number
may not be applicable. In these cases leave this field blank and press OK. Remember, if a
payee account appears on your request to us, it must be included as part of the code.
Non-payment codes
Non-payment codes must be used when requesting us
to carry out certain instructions on your organisation’s
behalf. A list of the types of instructions that require a nonpayment code are listed below.
• Insert your card into the reader in the direction indicated
on the card.
• When prompted, press the Menu button once. Press OK.
• 1 Payment will be displayed on the screen. Press the
Menu button again and 2 Non-payment will appear.
Press OK.
• Enter your PIN and press OK.
• Your unique eight-digit authentication code will be
displayed. This code is valid for seven days.
Please note: your request must include your user name,
the code itself and the date the code was generated.
Please clearly print this information on all instructions
sent to us.
10
The following instructions require a non-payment code:
• Application for or amendment to guarantees.
• New or increased standing order instruction.
• New card request (e.g. Visa debit card, Business
Charge Card).
• Remove stop cheque(s).
• Application for or amendments to Trade
Finance guarantees.
• Application for or amendment to import letter of credit.
• Application for or amendment to standby letter of credit.
• Instructions in connection with a Trade
Finance transaction.
• Requests for account information to be sent to any
other address.
• Statement request to be sent to another address.
• Cheque book request to be sent to another address.
• Purchase and sale of investments.
• Instructions to buy and sell currency.
• Certain requests relating to the Code
Authenticator service.
11
Currency codes
Part of the information you need to enter into the reader
to generate a payment code is a currency code. This forms
an integral part of the code and enhances the security of
your request. The 12 most commonly used currencies have
each been allocated a two-digit code as listed below. If the
currency you are sending does not appear here, please use
99 for Other when producing your code.
Currency codes
Full currency name
Currency
Two-digit
code
Sterling
GBP
05
Euro
EUR
10
US Dollars
USD
15
Swiss Francs
CHF
20
Swedish Kronor
SEK
25
South African Rand
ZAR
30
Japanese Yen
JPY
35
Australian Dollars
AUD
40
Danish Kroner
DKK
45
Hong Kong Dollars
HKD
50
Canadian Dollars
CAD
55
New Zealand Dollars
NZD
60
All other currencies
OTHER
99
Please note: when requesting a payment in currency
equivalent of Sterling, please use the currency code
for Sterling.
12
Contact points
For any queries concerning your instruction or if you have
any questions about this service please speak to your usual
point of contact within the bank.
This should be your service centre or business manager for
Commercial Banking and business customers. If known,
your service centre should be the primary contact point for
this service.
The E-Operations helpdesk should only be telephoned to
report a lost or stolen card or in the event of you requiring
the suspension, reinstating or deletion of a service
administrator or user from the service. They will be unable
to assist you in any other queries relating to the Code
Authenticator service or your account(s).
13
Get in touch
££
Go to lloydsbank.com/commercialbanking
³³ Contact your relationship manager
ÕÕ Call E-Operations on 0870 900 2070
9am–5pm, Monday to Friday. If you have an urgent
administration request outside these hours, please fax
your instruction supported by a non-payment code
to +44 (0) 870 0 100 261 where it will be actioned the
following working day.
Please contact us if you would like this
information in an alternative format
such as Braille, large print or audio.
If you have a hearing or speech impairment you can use
Text Relay (previously Typetalk).
Important information
Calls may be monitored or recorded in case we need to check we
have carried out your instructions correctly and to help improve our
quality of service.
Lloyds Bank plc. Registered Office: 25 Gresham Street,
London EC2V 7HN. Registered in England and Wales No. 2065.
Telephone: 020 7626 1500. Authorised by the Prudential Regulation
Authority and regulated by the Financial Conduct Authority and the
Prudential Regulation Authority
The Lloyds Banking Group includes companies using brands
including Lloyds Bank, Halifax and Bank of Scotland and their
associated companies. More information on the Lloyds Banking
Group can be found at lloydsbankinggroup.com
CAUG (12/14)
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