Advanced security
Advanced security
More advanced steps can be taken to prevent online bankers from becoming victims of fraud such as using the most up-to-date versions of Internet browsers. These updates come equipped with the most advanced security systems and can be available to registered users free of charge, such as updates of Netscape Navigator and Microsoft Internet Explorer.
Most data sent over the Internet can be intercepted and read by anyone because it is unencrypted. Fortunately this can be prevented by encrypting it using Secure Sockets Layer (SSL) technology, which is the industry standard method for protecting web communications. This technology enables any data sent or received to be encoded in a way that makes it impossible to read by anyone for whom it is not intended.
Finally, when banking online there are a number of common-sense rules that should be applied to ensure the safety of the users’ finances. For example, do not use online banking anywhere people might be able to see any details and make sure no one else has unauthorised access to personal Web accounts.
Other basic safety tips include:
- Never write down user IDs, passwords, PIN numbers and any other personal/bank details.
- Never inform anyone else of these details.
- When making an online transaction, try and ask for a receipt to be sent via email.
- Never send personal bank details via e-mail as e-mails can be easily intercepted.
- Don’t choose an obvious password – for example, users’ name, date of birth or anything else that could easily be guessed.
- Beware of ‘phishing’ emails
- Always close the Internet browser once online banking transactions have been completed so that user account details cannot be accessed by someone using the same PC.
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