vBAR – Central Data Provision and Query Interface System
The vBAR application enables financial institutions to access data from registries operated by BISZ Zrt (KHR and KPKNY), as well as databases provided by GIRO Zrt (BM). It also ensures compliance with legally mandated data reporting obligations. The enhanced evolution of the vBAR system is our NIKA application, built on the latest technologies and enriched with numerous new features.
Modules and core functions
KHR
The vBAR system ensures the technical execution of mandatory data reporting between financial institutions and the KHR (Central Credit Information System), and enables financial institutions to access the query services provided by KHR.
KHR Data Creation
Data consolidation (contract, account, customer data)
Monitoring (negative events)
KHR Interface Functions
KHR maintenance (retail, corporate)
KHR queries (retail, corporate)
KHR communication (GIRONetwork, GIROLock)
GIRinfO
The GIRinfO service is based on a system developed by GIRO Zrt for financial institutions, providing a single access point to multiple public registries, implementing a one-stop service approach.
GIRinfO Queries
Document query
Address query
Vehicle query
Facial image and signature query
KPKNY (Central Registry of Consumer Declarations Enabling Free Cash Withdrawals)
Through the KPKNY module, financial institutions can submit declaration data to the central registry and query the valid declaration data registered for a given customer.
KPKNY Interface Functions
KPKNY maintenance
KPKNY queries
Modular architecture — Each module can be implemented and operated independently, tailored to the institution’s specific needs.
