BANK CERTİFİCATE SERVİCES
What is an electronic signature?
In compliance with the legislation of the Republic of Azerbaijan, electronic documents signed with electronic signature are equal to documents signed manually and certified with stamp.
E-signature is considered to be an effective solution for those who want to keep pace with the requirements nowadays. Documents signed with electronic signatures can be delivered to necessary places within a few seconds. Despite the fact that all participants of electronic documents circulation are far away from each other, they share the same opportunities. When using the eSignature, documents have the same legal effect as documents created and signed in a paper format.
Where is it possible to obtain electronic signature services?
Electronic signature services can be obtained from Registration centers or online.
Which documents are required to obtain electronic signature card?
When applying to Registration Centers every citizen willing to get an electronic signature card should submit an ID card. Other documents required from individuals and legal entities as well as civil servants are included in the "Documents" section in the www.bsxm-ecbar.az.
What is required to use e-signature?
Internet access, the BCSC certificates and SIM-sized Smartcards are requried to use e-signature. For more information on the use of e-signature please go to www.bsxm.e-cbar.az, the ‘User rules’ section .
What is a “Time Stamp”?
A “Time stamp” is certified confirmation granted by BCSC that specifies that the document was signed in a particular time. To this end a computer must be connected to the Internet. The Time Stamp is used with the eSignature, as one of the prerequisites for the validity of a particular document.
What is authentication?
Authentication is verification of identification data provided by a user for his/her identification in an electronic environment. Authentication certificates issued by the CBA BCSC.
Can e-signature card be used abroad?
E-signature card can be used abroad as well.
What should I do if the e-signature card is lost, stolen, PIN code is blocked, and the Puk code is forgotten?
In any of the above cases, you need to call or go to the Registration center, the operator will perform necessary operations.
The E-signature certificate has PUK code, but what should be done if the PIN code is forgotten or blocked?
In the pop-up window, enter ACS5-Crypto Mate ACS Certificate Management Utility: - Forgot PIN: In the Change User PIN section, enter Current PIN code, enter the PIN in the New User PIN box - the new pin In Verify New User PIN box, we enter a new PIN again and press the OK button PIN code blocking: In the Unlock User PIN section, enter the PUK code in the SO PIN - In the New User PIN box we add a new PIN, Verify New User In the PIN box, enter a new PIN again and select the Unlock User PIN key.
Can two different persons sign a prepared document?
Any prepared document can be signed by any number of persons. No limits are set on the number of signatures.
Can one person have two e-signature cards – the first as a legal person, the second as an individual?
Yes. One person can have as many certificates as he/she wishes.
If a document is prepared by different employees or the head of the enterprise, can it be signed on his/her computer (or on some computers)?
Yes, a signature can be put on any computer connected to the Internet with software for e-signature and card reader (for time stamp).
If one side signs a document electronically, while the other one signs it manually, is it considered authentic?
Such a combination is possible. In this case, it is necessary to officially register the electronic document in the listing and to confirm it. Only after that the document can survive in the form of paper.
Why does certificate have a term of activity?
A certificate should have data, the nature and capacity of which is defined by minimum of RFC 2459 (Internet X.509 Public Key Infrastructure Certificate and CRL Profile) document. It may also include other information. For instance, postal address, etc. In a word, the certificate may contain any information which can be operated by AMN SM.
A term of activity is defined for the issued certificate. For instance, it may be considered authentic for 3 years. When the time expires a new certificate is granted to its holder. The term of activity of the certificate depends a lot on information available in it. The more information the document contains, the less useful activity term it gets. It is associated with the fact that information may change, and it will be necessary to grant its holder a new certificate until the term of activity of the old one expires. Besides, any information in the certificate is public. Thus, it becomes clear that it is necessary to include as less information in the certificate as possible. Revocation of certificate is considered as a part of the certification process. Before the expiry of certificate, there are many reasons for its revocation. For example, its holder has changed his/her workplace or lost electronic signature. In such cases the certificate should be revoked immediately. The basic aim is to protect it from random or ill-intentioned use.
Can I give another person the right to use my e-signature card?
As e-signature card belongs to a particular person, so only he/she can use it. Giving the card and the identification code (PIN code) to another person is a serious violation of security.
GOVERNMENT PAYMENT PORTAL
What are the purposes of the Government Payment Portal?
- Ensure real time electronic payments on customs on services rendered by government authorities within the establishment of creation of ‘E-government’;
- Simplify budget payments;
- Increase the volume of cashless payments in the economy;
- Create an infrastructure for collecting utility payments and payments on other public service entities using the most up-to-date payment methods;
- Ensure sound competitive environment between banks and other financial institutions.
Who are GPP participants?
Government entities, public utilities, communication enterprises, banks, the Azerpost LLC and card processing centers, which entered into the Collective Agreement on making transactions through the GPP.
What types of payments can be made through GPP?
Currently, public utilities – the OJSC Azerenerji, the OJSC Bakielektrikshebeke, the OJSC Azersu, the PA AzeriGas of the SOCAR, the OJSC Azeristiliktejhizat, the Ministry of Finance, the Ministry of Taxes, the Ministry of Economy and Industry, the Ministry of Emergency Situations, the Ministry of Internal Affairs, the State Social Protection Fund, the State Customs Committee and the Central State Road Police have already integrated into the GPP infrastructure.
Also, the landline phone service providers – the PA Bakı Telefon Rabitesi, the PA Aztelecom and the mobile communication operator – the Azercell Telecom LLC have joined the GPP.
Payments are made for services rendered by these institutions integrated into the GPP.
Are payers charged with service fee when making payments through the GPP?
When making payments through the GPP both in pay points of financial entities and through the Internet service product, the payer:
- is not charged for payments on the administrative penalty protocol compiled by the Main State Traffic Police Department, utility fees, landline phone communication services and mobile communication fees.
- is charged with the service fee of 0.15% of the payment, being 0.40 manat at a minimum, and 15 manat at a maximum when making budget payments.
What should the payer initially do to use the GPP services?
The payer firstly should register by inserting ID serial and number into the ‘Registration’ functional of the ‘Personal cabinet’ section of the GPP’s website (www.gpp.az).
When registering, the payer should insert identification codes provided by relevant organizations for services he/she uses into the system and should coordinate them in an interactive regime with the unique registration code provided in an automatic regime by the GPP.
Upon the end of the registration, the Registration Certificate which contains the unique registration code generated by the system in an automatic regime, identification codes coordinated with that code, and the initial password implied for payments through the Internet service product is submitted to the Payer.
To learn about his/her debts and make payments, the Payer enters his/her Dashboard by inserting the Registration code and initial password provided to him/her into the ‘Personal cabinet’ section of the website - www.gpp.az. When entering the system for the first time, the Payer should change the initial password provided to him/her in an automatic regime during the registration.
Note: The Payer may also register in any bank or post office integrated into the GPP by submitting his/her ID and identification codes provided by relevant entities for the services he/she uses. Thereafter, the Payer may obtain information on his/ her debts and make payments in any bank and post office.
What is the Unique Registration code?
The unique Registration code is a code provided by the GPP to the Payer in an automatic regime when registering for the first time, coordinated with separate identification codes given by institutions
How is the structure of the Unique Registration code?
The unique Registration code in the GPP consists of 13 digits with the following structure:
YYYY – Payer’s date of birth;
MM – Payer’s month of birth;
DD – Payer’s day of birth;
XXXX – Payer’s number among the registrars with the same date of birth.
С – Review position calculated under a special order based on the Payer’s date of birth and number.
How can payments on used services be made?
The Payer is provided with the information on his/her debts for the services he/she uses upon stating his/her unique Registration code obtained when registering in the system in any financial service point (branch offices of Azerpost LLC, or of the banks joined the system.).
The Payer, at his/her discretion, pays his/ her debts for the services he/she uses fully or in part in cash and cashless form through payment cards.
The Payer may make payments using the Internet Service product of the GPP, E-banking provided by the bank rendering services or ATMs.
What should be done to use GPP’s Internet Service?
The Payer only needs a computer with access to the Internet in order to use this service.
The Payer enters the system by inserting the unique Registration code and initial password specified in the registration certificate he/she obtained when registering for the first time in www.gpp.az.
Note that the initial password is similar to the Registration code. When using this functional of the system for the first time the Payer is suggested to change the initial password.
The Payer may also make his/her payments by using the unregistered payments section.
Are there any time limits for making payments over a day?
Payments are made in cash in pay points (branch offices of Azerpost LLC or banks joined the system) depending on the work regalement of those entities. The GPP does not impose any restrictions. Payments through the Internet Service of the GPP, E-banking, and ATMs are received in the 7x24 regime.
Are GPP statements considered to be official documents?
The GPP statements are considered to be equal to strict accounting forms under the additions made to the ‘Regulation on compiling and application of strict accounting forms according to job spesifics of entities and individual entrepreneurs’ by Order #36 of the Ministry of Cabinets of the Republic of Azerbaijan dated 28 February 2009.
What is the initial password?
This is the password provided to the Payer when registering the system for the first time to make payments using Internet Service product of the GPP.
How and in which regime are payments received from payees delivered to organizations?
How and in which regime are payments received from payees delivered to organizations?
FİNANCİAL LİTERACY SYSTEM
How long will it take me to complete the course after registration?
Detailed information per course includes recommended education period. However, as no time limit is set on the course, it can be completed earlier or later.
Should I make payment to pass an exam and get a certificate?
No. The education is free of charge.
Can I pass the exam online?
No. Final examinations per course are conducted in the administrative tower of the Central Bank of the Republic of Azerbaijan.
How is the exam date fixed?
We choose a suitable time after getting in touch with you.
Can I review the course content after getting the certificate?
Yes. You can benefit from course materials any time you want.