This article recently published by top mortgage brokers in toronto, we describe the security measures that apply the entities to protect our accounts Bank and how from our computers, tablets, etc. can take measures to prevent hacks.
Each time there are more people using the electronic banking service to avoid queues at Bank branches and in this context, the hackers have become the greatest headache of users of Internet banking.
The risk that financial institutions are subject to a computer attack, although there is, is reduced, since they maintained and constantly updated their security systems. Most of the banks and companies that offer on-line shopping service using the SSL(Secure Socket Layer) Protocol.
To give just one example, our country’s two big banks, Santander and BBVA are users of this Protocol. Thus, transactional services operate on a secure server using the SSL protocol that is always activated by entering the service. The secure server establishes a connection so that the information is transmitted encrypted using algorithms of 128-bit claiming to only be intelligible for the client’s computer and the Bank server.
To use the SSL protocol is guaranteed:
- That the client is communicating its data to the Bank server Center and not anyone else who try to impersonate this.
- That between the client and the server Centre data travel encrypted, preventing possible reading or manipulation to third parties.
The safety of bank accounts has also improved over the years, and they have, currently, measures anti-phishing, as the use of virtual keyboards, using coordinates cards delivered in hand to the holder of the account, tokens, such as electronic ID or unique keys that are sent by SMS.
However, it is not more extreme precautions if you do banking transactions online. And which, given the greater difficulty that hackers from entering the security systems of banks, direct their efforts in trying to mislead customers who tend to be less protected. According to the latest report from the National Institute of communication technologies (INTECO), more than 7% of home computers are infected by Trojans Bank, i.e., a malicious software that attempts to steal the user’s access data.
How to avoid a hack using a computer
But, what are the safety measures you can take to avoid a hack? According to INTECO, noted a growth in the use of computer security by the Spaniards in the last 5 years. However, it is not more follow a series of tips. Common sense would be the first one. If there is doubt of the web page, the best is not to introduce any data and contact with the financial institution.
And it is that phishing is still one of the most commonly used mechanisms. He makes believe to the receiver that the Bank needs to update its data. To do this, mail includes a web address where the latest potential must enter all your data: ID, key and electronic signature. You must take into account that a bank was never going to ask by phone or email access or electronic signature keys provided. Therefore, under no circumstances should facilitate passwords of bank accounts in an e-mail or SMS access.
Another simple habits that can improve the safety of electronic banking passes by typing the web address of bank or, failing that, have it stored as a favorite. This prevents someone can impersonate the original page and stealing the keys to users using a similar address. Obviously it is advisable not to perform any operation of electronic banking on public computers.
Apart from these security measures it does more to protect home computers. According to the latest survey of INTECO, 9 of every 10 Internet users in Spain have installed antivirus programs. But there are more tips to keep in mind:
- Regularly update your operating system and software installed on your computer by paying particular attention to the web browser updates.
- Install a firewall or firewall.
- Use password safe, composed of 8 characters minimum and combine letters, numbers, and symbols.
- Change passwords frequently.
- Browsing secure pages, i.e., those that start with https:// instead of with http://
- The closed padlock icon should appear on the website of the Bank.
It is important, moreover, that customer is choose a bank that works with the system to send SMS with confirmation of certain operations codes. However, during the past year, some variants of two of the software most dangerous to steal bank accounts, SpyEyes and Zeus, have managed to capture the unique passwords that banks send by text message to customers through mobile.
And this despite the fact that European banks have, in general, higher than in the United States technological defenses.According to one of the largest security firms in the world and working with a multitude of financial institutions, Trend Micro, these programs have improved and can currently transmit money automatically without the supervision of a hacker. Attacks on a dozen financial institutions in Germany, United Kingdom and Italy have been in the last few months.
How to avoid a hack using a Smartphone or tablet
Today, the implementation of mass smart phones or smartphones and tablets, or iPad has made that many people perform the same operations that make from your home computer through these mobile devices, similar to domestic equipment are exposed to the same threats. Therefore, it is not more also follow a series of safety tips.
The safety measures are practically the same for iPhone and iPad users both Android platforms:
- Set a block of screen.
- Activate the SIM card, thus blocking options, when you turn on your mobile device will have to enter the PIN.
- Activate the tracking device.
- Force automatic update of the operating system.
- Automatically install updates for the applications installed on the device.
- Do not allow installation of applications that are not official in the case of the Android platform market and the AppleStore iPhone and iPad.
- Properly configure wireless connections.
- Backup of personal data.
- For mobile devices that use the Android platform, it is recommended to protect the smarphone or tablet with an antivirus.
You should know also that, to minimize risks and prevent security problems, in Spain there is a public service offered by theOffice of Internet safety (OSI) for home users and businesses. On its website, www.osi.es can ask any questions that is around the use of the Internet and its security.
Finally, if you have been victim of a fraud on the Internet is suitable to immediately put the corresponding complaint. The Cuerpo Nacional de Policía has technological research Brigade while the Civil Guard has the Group of telematic crimes from the operative Central Unit.
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