How to use Internet / Mobile Banking Safely...
Here are some simple tips to ensure safe online banking.
1. Spyware softwares are often installed, mainly through downloads, in the computer system to capture confidential user data without your knowledge. Then this software reports the relevant information - in such cases internet banking passwords - to the creator of the software or to one or more third parties.
Experts say these software often get downloaded by the victim’s PC through some free downloads or MP3 or even movie downloads. Now these programmes are used for a number of destructive purposes like erase, overwriting or copy data from the infected computer, corruption and encryption of files etc. To add to you woes you cannot remove Spyware or Trojan with the regular anti virus software. In fact some of these programs have the ability to partially or fully disable the anti virus tools.
2.Virtual keypad is an online application, which substitutes the actual physical keyboard with a mouse. When you click on the virtual keyboard option at the time of net banking, the monitor flashes a keyboard on your screen.
You have to use the mouse to click on the relevant keys to sign into your net banking ID. Banks have come with what’s called ‘Virtual Keyboard’ to protect your account or card information and password (IPINs) from such fraudsters’ hands.
3. The bank gives you an option to used a physical keyboard or virtual keyboard. Once you enter your log in ID, you have to choose the option of virtual keyboard by clicking on the appropriate option. Then you can use the mouse to key in your password.
4. In a scrambled keypad, the position of keys on the virtual keypad keeps changing every time you sign in. This makes it difficult for the camera to capture the exact letters for the password. Changing passwords often helps in protecting your account even if you may have inadvertently disclosed it to someone. Moreover, stay away from keeping obvious ones like your spouse’s name or your pet’s name. Alpha-numeric passwords along with some special character like * or # are a safe bet.
5. Lastly, use your personal desktop or personalised office desktop for your transactions. Avoid cyber cafes/public computers for net banking.
6. Use mobile security feature i.e. when u make some transaction u get a pin in your mobile and only after applying that pin u can make online transaction just make sure to unable it.
7. Dont forget to check for https:// in ur url and use virtual keyboard....coz there are fake sites for fishing...jus dont share ur password to any email asked by anyone.
8. After banking clear your browser cookies and other recent info. (But not browser history: it is essential
9. Use a combination of random letters and numbers as words, names and phrases are what cracking program check for. One way would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between.
10. Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get. That is how 'phishers' work, they re-direct you to a malicious site resembling your bank's portal and use the information provided by you to access your account.
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