Benefits of using the OGNIVO system
Considerations about the OGNIVO system should begin with explaining the principles of functioning of the issue in question. OGNIVO enables the exchange of information between banks and other entities to which the law grants the possibility of obtaining secret information (e.g. the exchange of information between a court bailiff and a bank regarding the search for bank accounts of debtors). Such an exchange is performed electronically, which significantly improves the process, especially in terms of the speed of information obtained.
How does OGNIVO work?
It is worth noting that OGNIVO is nothing but an application. For such an application, bailiffs send inquiries about debtors with a secure electronic signature. Then, such a sent inquiry is received automatically and verified, and then the bailiff is answered.
Details of the OGNIVO system operation
The OGNIVO application consists of a number of modules, each of which responds to the individual needs of banks and institutions cooperating with them. These are among others:
-
Compulsory modules:
-
Complaints and inquiries module - between banks and ZUS or Poczta Polska.
-
Clearing system balances monitoring module - allows you to check bank balances within the clearing systems of KIR.
-
Direct debit consent electronization module - handles processes related to the acceptance or rejection of consent (cancellation) to debit the account for direct debit.
-
BIF emergency copying module - enables the export and import of BIF files to / from the FTP gateway in the event of unavailability of the primary data transmission link. Since 2009, this module has been obligatory for banks as direct participants of settlements.
-
Optional modules:
-
Module for handling accounts and payment services - allows you to safely transfer customer accounts between the current and the new bank. The module works in accordance with the recommendation of the Polish Bank Association.
-
The module of inquiries about the bank accounts of debtors - allows court and fiscal bailiffs to communicate electronically with banks,
-
The module of advance information about incoming balances - enables obtaining detailed data on selected transactions that were transferred to the settlement system for a given session.
-
Module for handling courts and prosecutor's offices - allows law enforcement authorities to obtain data protected by banking secrecy, which may constitute evidence or enable the implementation of property security
-
Heir module - facilitates communication between banks, enabling efficient determination of the bank in which the testator had bank accounts. The module works in accordance with the recommendation of the Polish Bank Association.
The settlement module of the Commodity Clearing House (IRGiT) - enables the transfer of data for the cash settlement of transactions concluded on the Polish Power Exchange markets, between WCCH and the banks keeping the clearing accounts of the members of this House.
