Know about Digital Signature Certificate & pre-requisites

Digital Signature Certificate:

Digital Signature Certificates are the digital equivalent (that is electronic format) of physical or paper certificates. A digital certificate can be presented electronically to prove the identity, to access information or services on the Internet or to sign certain documents digitally.

Acquiring Digital Signature Certificate:

Internet Banking users can acquire Digital Signature Certificates from any Certifying Authority (CA) authorized by Govt. of India. Please visit government portal http://www.cca.gov.in to know about the licensed CAs.

Types of Digital Signature Certificates valid for Union Bank Internet Banking:

Digital Signature Certificates should be Class 2 or Class 3 certificates. These days CAs provide cryptographic keys and certificates in USB Token (e-Token). USB Tokens are portable devices built to provide the highest level of security to the information contained within them.

Environment/Software required for using Digital Signature Certificate:

Only one version of Java (1.6 or higher version) should be installed on customer’s machine. Multiple Java versions should be removed.

USB Token (e-Token) drivers should be installed. Customers will receive these drivers in a CD along with USB Token from CA.

Administrative rights for the machine to install USB Token drivers and to use USB port.

Types of transactions can be authenticated by Digital Signature Certificate:

Internet Banking users (Retail & Corporate) can use their Digital Signature Certificate at the time of authentication of Fund Transfer, NEFT/RTGS and Bulk File processing of NEFT/RTGS & Salary upload transactions of value Rs. 2 Lacs & above.

Documents to be submitted at branch:

Please download the “Digital Signature linking form” from our web site www.unionbankonline.co.in and submit the filled application at Branch. Branch will forward the application to Internet Banking for approval. On receipt of the application, Internet Banking will verify the details and approve it.

General information

1) Minimum Software requirements:

a) Java 1.6 or higher version (latest version recommended)

b) Administrative rights for local system

Notes: Do not use multiple versions of Java in the same system (x86 and 64 bit version)

2) PKI component is not Initializing:

For internet explorer

a) Check for the Java plug-in is installed in web-browser and enable.

b) Add website URL in the compatibility view setting

Go to Internet explorer >> MENU >> Tools >> compatibility view setting

i) Add website URL in the compatibility view list click on add button

ii) Select all check boxes in window and close the window

For Firefox

a) Check for the Java plug-in is installed in web-browser and enable.

b) If Java plug-in is installed and block or not enable, please follow below steps to enable

Go to Firefox >> Menu >> Tools >> Add-ons >> Plug-in >> select Java >> always Activate

For Chrome

a) Check for the Java plug-in is installed in web-browser and enable.

b) If Java plug-in is installed and block or not enable, please follow below steps to enable

Right click on the PKI component area and select activate Java to run the PKI component

3) Java version issue.

Currently Java version 1.6.x, 1.7.x and 1.8.x are supported for signing utility (recommended

to use latest version).

Note: 1) For updating Java version download the latest installed from java.com and install.

2) It is not recommended perform auto update.

3) Singing utility will not work as expected, if multiple JAVA versions are installed and running on the system.

Please un-install all older java version and keep only one latest java version only.

4) Signing issue after PKI component is initialized.

a) If you are using internet explorer below internet explorer version 8, please add website

URL in the compatibility view mode.

b) Make sure that user has local system administrative right to run the PKI component.

Steps for Linking Digital Signature Certificate with User ID

Login into Internet Banking and click on Register your Digital Signature Certificate link:

On click of link, following screen will appear:

User has to plug in e-Token to USB port and click on Select Digital Certificate link. All certificates contained in e-Token will be displayed. User has to select the desired certificate and click OK button.

Selected certificated will be validated online against various validations like Expiry Date, Class validation etc.

After successful validation, user has to enter e-Token password. User will receive the e-Token password from CA with e-Token Kit.

After successful validation, desired DSC is selected. Click on Register button.

On registration, DSC linkage request is sent to Admin for approval.

Digital Signature Certificate Linkage status inquiry

User has to click on Profile & Limits menu. Click on Manage your Digital Certificate side menu and following screen will appear. User can retrieve the status of linkage either based on Registration Number or Date Range.

After approval from Admin, following will be the status. If not approved, Registration Status will be pending at Admin end.

Steps for transaction authentication using Digital Signature Certificate

Retail and Corporate users can use DSC as an optional feature while doing Third Party Transfer, NEFT/RTGS and Bulk file upload of Salary/NEFT/RTGS transactions. The transaction amount should be min. Rs. 2 Lacs for using DSC.

Other UBI account fund transfer using DSC. Go to Other UBI Accounts under Transfers menu and fill up all relevant information.

As amount is more than Rs. 25000 (for Retail Users), User will receive an OTP on registered mobile number. Enter the correct OTP and click on Submit button.

On next page, User has to enter the transaction password to complete the transaction. On this page user will have an option to digitally sign the transaction as well. The option will appear only if transaction amount is more than or equal to Rs. 2 Lacs and a DSC is linked with User ID with status approved.

Once this option is opted, DSC contained in e-Token will appear. User has to select the DSC and click OK button. On click, system will select whether the selected DSC is mapped with user or not. If a match is found only then system will allow the use of DSC otherwise not.

Complete the transaction by entering the correct transaction password. This transaction will be digitally signed by customer’s DSC.