Imibutho yezemali ineenkqubo zokhuseleko ukuze ulwazi phakathi kwebhanki kunye nomthengi lube yimfihlo, kuthintelwe ukufundwa okanye ukuphathwa gwenxa ngabantu besithathu. Ezinye iibhanki kunye neebhanki zokonga zivumela umthengi Skena izixhobo zekhompyuter yakho, Ukuqinisekisa ukuba ungaluqhuba naluphi na uhlobo lomsebenzi webhanki ngokhuseleko olupheleleyo. Enye inkqubo ibandakanya ukubonisa ixesha kunye nomhla woqhagamshelo lokugqibela, ukukhangela ukuba ngaba bekukho ukungena ngaphandle komthengi.
Itekhnoloji entsha esetyenzisiweyo ebhankini yenze ukuba kube lula kubasebenzisi ukufikelela kwiakhawunti nakweyiphi na ikhompyutha okanye umnxeba. Kodwa ukuba umsebenzisi akayilandeli uthotho lokhuselo izaphuli mthetho Banokuphula ukufikelela kwiiakhawunti zakho. Yiyo loo nto imibutho yabathengi kunye namaziko emali ngokwawo ebongoza abasebenzisi bolu hlobo lwenkonzo ukuba bathathe uthotho lwamanyathelo okhuseleko ukuthintela abathengi amasela ekhompyutha yenza iinjongo zakho zizaliseke.
Okokuqala, xa ukhetha into oza kuyityala imali okanye wenze naluphi na uhlobo lwebhanki nge network, kufuneka iqinisekiswe ukuba ibhalisiwe kwiRejista yamaZiko eBhanki yaseSpain, kwiKhomishini kaZwelonke yoThengiso lwezoKhuseleko (CNMV) okanye kwiCandelo eliyiNtloko le-Inshurensi, kwaye ligunyazisiwe ukuba lisebenze ngokusemthethweni.
Ukubhankisha kwi-Intanethi: amanyathelo okhuseleko
I-OCU iyakhumbula ukuba abathengi bebhanki kumgca, banokuba sesichengeni sokufumana ubuqhetseba obunokwenzeka, kungoko ke kufuneka bathathe amanyathelo okhuseleko ngothotho lwamanyathelo, phakathi kwawo: soloko ugcina iiphasiwedi ziyimfihlo; sebenzisa iikhowudi zokungena ngokungacwangciswanga (ngokukhethekileyo ukudibanisa amanani kunye noonobumba, kodwa ngaphandle kokubhenela kumanani acacileyo) kuthintele ukufikelela ebhankini kwiikhompyuter zikawonkewonke.
Jonga ukuba ubrawuza kumaphepha akhuselekileyo (isitshixo sivela ezantsi ngasekunene); ungashiyi ikhompyuter ide iphele iseshoni kwaye yicime kamva. Okokugqibela, kugxininisiwe ukuba kubalulekile ukuba izikhombisi zihlaziywe kunye neeprotocol zokhuseleko kunye neewonga, kunye nokugcina okanye ukuprinta ikopi yokusebenza, njengobungqina.
Isatifikethi sokhuseleko
Iibhanki zaseSpain xa zizonke zibonelela ngeendlela ezikhuselekileyo zokukhusela abathengi bazo kuhlaselo olunokwenzeka zizaphuli-mthetho zekhompyuter. Esinye sezixhobo sisiqinisekiso sokhuseleko esiqinisekisa ukhuseleko kunye imfihlo yolwazi ezitshintshaniswa phakathi komthengi kunye neziko lezemali. Ukuba ufikelela kwinkonzo, isikhangeli asisamkeli esi satifikethi, siyakubonisa ukuba siphelelwe lixesha, ke kufuneka sihlaziywe kwikhompyuter ngokucofa kabini kwi "padlock" ebonakala ezantsi kwesikrini kwaye ucofe " faka isatifikethi ".
Ngokumalunga nokuhanjiswa kolwazi phakathi kwekhompyuter yomsebenzisi kunye neseva Kwiwebhu Eliziko lezemali, kufanele kuqatshelwe ukuba iyenziwa nge-SSL encryption protocol (Indawo yokuFakela iZiseko ezikhuselekileyo) de 128 utsotsi, ukubethela okuphezulu okhoyo ngoku. Onke la manyathelo thintela abantu besithathu unokubona okanye uguqule idatha ethethiweyo.
Ukongeza, ukuqinisekisa ukuba usebenza kwiwebhusayithi ekhuselekileyo, idilesi yephepha kufuneka iqale ngo "httpS". Kwangokunjalo, "isitshixo esivaliweyo" okanye "isitshixo" kufuneka sivele ezantsi kwesikrini. Ezi zixhobo zifumanekayo kwiibhanki kunye neebhanki zokonga zivumela injongo ephindwe kabini, kwelinye icala, ukuba umxhasi athumele idatha yakhe kwiziko leseva leziko lezemali hayi nakwezinye ezizama ukuzenza. Kwaye kwelinye, ukuba phakathi komxhasi kunye nomncedisi weziko idatha "ihamba" ibhalwe ngokufihliweyo, ukunqanda ukufundwa kwayo okanye ukuphathwa gwenxa ngabantu besithathu.
Umfumani wentsholongwane
Amaziko ezezimali eSpain ajongane nokwanda okuqhubekayo kwintsholongwane zekhompyuter kunye spyware (i-spyware ishiyekile ufakelwe ngabom, kwaye oko kungabamba ulwazi lomntu kunye nolwezemali lomsebenzisi) olunokuchaphazela imisebenzi yebhanki eyenziwa ngamawaka kunye namawaka wabasebenzisi banqume ukunyusa nokuvuselela amanyathelo okhuseleko kwiindawo zabo iiwebhu, apho banikezela ngolwazi olusebenzayo kuyo nayiphi na ingxaki eyenzekayo kumthengi.
Kukhenketho lwamaphepha iiwebhu Iibhanki kunye neebhanki zokonga, kuyacaca ukuba uninzi lwazo lunamasebe abekelwe bucala umba wokhuseleko, apho umsebenzisi, ngaphandle kokufumana ulwazi ngamanyathelo aza kuthathwa kwezi meko, ufumana ingcaciso malunga nokhuseleko Ibhanki okanye ibhanki yokonga inayo, kunye neenkonzo abazinikezelayo.
Iinkqubo zokhuseleko
Eyona nto ingunobuchule yeyona i-Bankinter isungule ngokwenza iskena sentsholongwane esikhethekileyo kwimeko yezemali efumanekayo kubaxumi bayo, simahla. Ixesha lokuphumeza lingaphantsi kwemizuzwana engama-30, lihlaziya ngokuzenzekelayo kulwenziwo ngalunye. Le injini yokukhangela isebenzisa iteknoloji entsha Kwimo kumgca, Ukufumanisa ezo ntsholongwane zisebenza kwikhompyuter yakho ngexesha lokuhlalutya. Ngale ndlela, umsebenzisi angayisebenzisa njengomphelelisi kwintsholongwane yesiqhelo.
Ifuna i-Intanethi Umhloli wamanqanaba 5.5 okanye iinguqulelo zamva. Xa usungula uhlalutyo lwezixhobo ukhuphelo lohlobo lwefayile X esebenzayo Inkqubo yayo inokuthatha imizuzwana embalwa, ngexesha apho ukubulawa kwe-antivirus kushiyeka ngaphandle komxholo. Ikwanaso nesinye isixhobo sokwandisa ukhuseleko kwimisebenzi eyenziwa ngabathengi bayo.
Ziphephe iingozi
Kubandakanya ukungena kwikhonkco lekhadi lakho lesitshixo ngalo lonke ixesha umsebenzisi esayina ukusebenza, kuyenziwa usebenzisa ipaneli yemifanekiso, Inkqubo ekuvumela ukuba uphephe umngcipheko weenkqubo ezaziwa njenge "Trojans", ezizama ukufaka ulwazi ngokucinezela ikhibhodi. Inkqubo yethu yolwazi siyifaka kuvavanyo lokungena ngaphakathi ngamaxesha athile, ngaphakathi nangaphandle.", Khomba kwi-Bankinter.
Ukuphunyezwa kwala manyathelo okhuseleko kuvumela abathengi abasebenzisa iibhanki kumgca Bakwindawo ekhuselekileyo kwaye intengiselwano oyenzayo, ujonga iiakhawunti zakho, ugqithiselo, ukuthenga kunye nokuthengisa kwamasheya, njl., Kuyanelisa ngokupheleleyo ngaphandle kokumangaliswa okungalunganga. Kungenxa yoko le nto amaziko amaninzi egqibe ekubeni andise ezi nkqubo. Le yimeko kaBanco Sabadell, oqale ukusebenzisa ifayile ye- Utyikityo lwe-elektroniki kwii-imeyile zakho. Le ndlela iqinisekisa isazisi somnikeli, ofumene ukungqinisisa idilesi ye-imeyile ngokusayinwa ngombane ngegunya lokuqinisekiswa kwedijithali, kwaye kwangaxeshanye, “Ngokobuchwephesha buqinisekisa ukuba umxholo womyalezo awuguqulwa xa kudluliswa ngabantu besithathu", Baqinisekisa bevela kwibhanki yaseValleysan.
Faka iinkcukacha
Ezinye iifomula ezifanelekileyo ezenziwa yibhanki yaseSpain ukukhusela umntu wesithathu ekuboneni okanye ekuthatheni ulwazi olutshintshisanayo, ukubonelela ngokhuseleko olukhulu yinkqubo ye ukunqunyulwa ngokuzenzekelayo, ethi ikhuphe umsebenzisi xa kunokwenzeka ukuba kudlule imizuzu embalwa ngaphandle kokwenza nawuphi na umsebenzi, kunye nokuvela Kwiwebhu yomhla kunye nexesha lonxibelelwano lokugqibela, ukwenzela ukuba umthengi abone ukuba akukho nxibelwano lungenziwanga. I-BBK kunye ne "la Caixa" ngumzekelo wamaziko amaninzi ezemali athe agqiba kwelokuba asebenzise le nkqubo ukunqanda ubuqhetseba kwi-Intanethi.
Enye into eyahlukileyo yile isetyenziswe ngu "la Caixa" kwabo bantu basebenzisa i- "Línea Abierta", ebakhusela nge "CaixaProtect ”, eneenkqubo zokukhusela ekukhohliseni okanye ekubiweni, "Ngaphandle kokuthatha naluphi na uxanduva okanye inkcitho yokusetyenziswa ngobuqhetseba ngumthengi", Bachaza bephuma kwiziko. Isaziso esikhawulezileyo sifuneka kuphela xa kufunyenwe isitenxo. Enye yeenzuzo zayo eziphambili kukuba “Ukuba sinenombolo yakho yeselfowuni, siya kukwazisa ngokuzenzekelayo ngexabiso eliphezulu lomsebenzi owenziweyo kunye namakhadi akho okanye kuLínea Abierta ngemiyalezo yeSMS ”.
Iingcebiso ezisisiseko
Okokugqibela, kukho uthotho lweengcebiso ukuze ukhuseleko lwekhompyuter kunye nolwazi oluqulathiweyo lwanelise:
- Faka inkqubo ye-antivirus kwikhompyuter kwaye uyigcine ihlaziywa ngokusisigxina.
- Gwema ukuvula ii-imeyile ezinemvelaphi engaziwayo.
- Hlaziya ikhompyuter yakho kunye nohlaziyo lwamva nje lokhuseleko kwinkqubo yakho yokusebenza kunye nesikhangeli.
- Akufanele ufake nayiphi na isoftwe yemvelaphi engaqhelekanga okanye ekrokrisayo.
Ngokunjalo, zibonisa ukuba kuya kufuneka ujonge ukuba idatha ifakwe phantsi kwe Unxibelelwano olukhuselekileyo (xa uphawu lwesitshixo esivaliweyo lubonakala kwisikhangeli sakho). Ukuba uqhagamshelo lwenziwe kwikhompyuter yoluntu okanye ekwabelwana ngayo, isikhangeli somkhangeli (iifayile ze-Intanethi zethutyana) kufuneka zicocwe ukususa nayiphi na idatha efakiweyo. Kukulungele ukufikelela ebhankini ngokuthe ngqo kwisikhangeli sakho (ngokuchwetheza idilesi yeziko lezemali) hayi kwiikhonkco kumaphepha angazithembi kangako. Kwaye khumbula ukuba "iKhowudi yoMsebenzisi" kunye "negama eligqithisiweyo lomntu" zizinto zangasese neziyimfihlo, abacebisa ukuba zitshintshwe amaxesha ngamaxesha.
Iingcebiso malunga nekhompyuter yakho
Uthintelo sesona sixhobo silungileyo somsebenzisi webhanki ye-Intanethi ekufuneka ekhusele isazisi sakhe, ngokwenza imisebenzi elula eya kugcina izixhobo zekhompyuter kuhlaselo lwangaphandle olunokuthi luchaphazele nayiphi na intshukumo yebhanki eyenziweyo. Nazi ezinye zazo:
- Yenza uguqulelo lwebrawuza luhlaziywe.
- Ukuphelisa amaxesha ngamaxesha cookies yekhompyutha.
- Yenza ikopi yogcino kwaye ugcine inkqubo yokusebenza ihlaziyiwe ngohlaziyo lwamva nje.
- Musa ukwabelana ngeefayile okanye iiprinta nabantu besithathu.
- Ngamaxesha athile jonga amaphepha ahanjelweyo. Lo msebenzi unokwenziwa ngokubonisana "neMbali" ukhetho lwesikhangeli.