Recently, everyone seems to be very concerned about the security issues of online banking. Maybe many online banking users are nervous. When it comes to the security issues of online banking, I am familiar with the current approach of Industrial Online Banking. Let’s make a simple statement on the protection measures, hoping it will be helpful to everyone using online banking. Of course, these protection measures are not unique to Industrial Bank. I am more familiar with the online banking of Industrial Bank and Standard Chartered Bank, so I will focus on Industrial Bank. It is self-created, not an official sermon.

Like the online banking of all banks currently on the market, Industrial Online Banking is divided into two categories based on user operation rights. The first category only has the query function. Generally, the query function can be registered on the online bank by yourself. The registration is successful. After that, you can go in and check the transaction details of the account within one year. Because it is only used for query, to put it in perspective, even if your online banking password is stolen, hackers cannot steal money;

Let’s talk about the second category in detail, which involves external transfer payment through online banking. This business is also classified as high-risk business in banks, so banks require that they must be handled in person.

Now let’s briefly talk about some of the security measures of Industrial Online Banking:

< p>1. In terms of software: The JAVA virtual machine must be installed before logging in to Industrial Bank's online banking. Whether it is a normal login or a certificate login, it must be installed to successfully log in. If you are a certificate version customer, you also need to download and install it from the China Financial Certification Center (CFCA) The certificate chain and signature control package are provided. Online banking users must install the certificate chain and signature control before they can log in to the certificate normally and sign transactions through the certificate.

2. Dynamic protection: Industrial Online Banking provides online transaction SMS protection and elf messenger services; one of these two is prior protection and the other is subsequent notification.

SMS transaction protection means that in order for your transfer or payment instruction to be successfully completed, you must have a one-time mobile phone dynamic password from the bank. Generally, this password is when you enter your account password or online payment password. entered together. This is also a relatively efficient protection method commonly used by various banks;

Elf Messenger is actually a text message notification, which mainly includes three types:

Transaction password Incorrect input notification (when the system detects that the password is incorrect, it will promptly notify you via text message, which is an effective way to prevent the password from being tried by others.)

Account balance over limit notification (when the account changes, If the balance is greater than or equal to the upper limit or less than or equal to the lower limit, a text message notification will be sent to you in real time)

Account change notification (real-time text message notification will be sent when the account changes to keep abreast of fund movements.)

< p> Assuming that the online banking is stolen by hackers, you can learn the information in time and freeze the account in time;

3. Industrial Online Banking supports the login method of using Chinese characters, numbers and letters to customize the login name. It is generally considered to use Chinese characters as the login name. Login names are relatively safer;

4. Support reserved information and soft keyboard input; reserved information is mainly used to prevent phishing websites. Users can set reserved information online by themselves, and log in every time in the future. The entry page will always display "Your reservation verification information in our bank is: "?". If the information displayed on the page is inconsistent with your reservation, please stop the transaction immediately and contact our customer service center at 95561 as soon as possible. "I won't talk about the soft keyboard. There should be no online bank without it.

5. When activating the transfer or payment function, customers are forced to set a daily limit; if the daily limit exceeds the set limit, they will no longer be able to operate through online banking; this is also one of the more practical functions, and you can follow Set the limit according to your own needs. If it is just a general small-amount online shopping payment, you can set a relatively small amount, which will be more secure to use;

6. Online transfers are divided into undirected transfers and Directed transfer; Directed transfer means fixing the account of the other party for online banking transfer. When activating the directed transfer function, the bank requires the user to provide several other accounts (generally no more than 4). In the future, the user can only transfer money to these accounts in online banking. Transfers between several accounts, beyond this number of accounts, cannot be transferred, not to mention hackers, even you yourself cannot do it;

7. Automatic exit protection: If the user's online banking page is not closed in time or temporarily If you leave without performing any operations within 15 minutes, the system will automatically exit the online banking system.

8. Password lock protection: If you enter an incorrect online banking login password six times in a row, the system will automatically lock the online banking to prevent your password from being maliciously guessed.

9. The online payment password is a special password for online shopping and payment. It is set separately from the withdrawal password and online banking login password, and is independent of each other;

10. Certificate protection: Xingye’s current All digital certificates are pre-made network shield digital certificates, and file digital certificates are no longer issued. In addition, the charges for network shield certificates have also been reduced, all are 25 yuan. Many local industrial companies still provide network shields for free; pre-made The advantage of the network shield certificate is that the certificate has already been downloaded and installed when the user leads U-KEY, which solves the problem of customers needing to download and install the digital certificate by themselves, and provides convenience for customers to use the USBKEY digital certificate.

This certificate is generated by the China Financial Certification Center in advance in the USBKEY key storage medium. When the customer applies, Industrial Bank binds the customer's identity information to a single certificate. After receiving it, the customer only needs to install the management software to use it. , no longer need to download digital certificates by yourself. The certificate is pre-made by the China Financial Certification Center and must be bound to customer identity information at a bank outlet before it can be activated. The bound customer identity information is unique and unchangeable. Compared with the way customers download digital certificates through the Internet, it is guaranteed to be It ensures the unique correlation between customer certificates and account information, making it more secure.