At present, personal e-banking business has expanded from traditional electronic transfer, ATM, POS, etc. to personal online banking, telephone banking and mobile banking. While consumers enjoy the convenience brought by e-banking, they also face such technical operations, account security and transactions Risks such as disputes, when the Spring Festival is coming, the following risks should be prevented. Wash Basin Faucets,Wash Basin Tap,Sensor Wash Basin Mixer,Bathroom Wash Basin Faucet,Bathroom faucet,Waterfall Bathroom Faucet,Single Hole Bathroom Faucet,Exposed single handle Tub Shower faucets,Bathroom Faucets,Built-in basin mixer,Concealed basin mixer JIAHAOJIA SANITARY WARE INDUSTRY CO., LTD. , https://www.gagalfaucet.com
1. Operational risk: One is the risk arising from unskilled operation of new technology. If a customer has agreed to a dual-control online banking account with a third party due to financing, after opening the online banking account, the client did not download the authentication certificate to his U-Shield for storage, but informed the other party of the account number and password, causing the other party to use the new U-Shield download Transfer the deposit after the certificate. The second is improper operating procedures. If some customers leave without checking the exit key after checking the account on the self-service device, there is a period of time before the query system is automatically closed. If you continue to operate, you can still implement the transfer function.
2. Technical risks: Some criminals use Trojan virus programs to invade the system, or build fake bank websites to lure users to log in. When a user logs in to online banking with a public computer, the online banking account information will be leaked. The second is the theft of information by high-tech equipment. For example, install a stolen code device and a secret recording device on the self-service bank access control, install a card trap (fake swallowing card), a keyboard, etc. on the ATM to steal the magnetic stripe and password information of the bank card. The third is system technical failure. Mainly due to system failures or system vulnerabilities, transaction delays, service interruptions, or accounting errors. If the ATM of a bank fails, no matter how much the withdrawal amount is, only 1 yuan will be deducted from the account, so that a customer will make a profit of 175 thousand yuan through 171 malicious withdrawals.
3. Fraud risk: First, use various fake information to defraud. For example, emails, text messages, postings, etc. are used to disseminate fake notices, fake notices, fake services, etc., so as to induce customers to credulously obtain electronic banking information. The second is to use the "114 Telephone Number Search System" to lure customers to be fooled. The lawbreakers use the 114 telephone number search system to register fake phone numbers such as fake banks and fake UnionPay, use third-party public information to defraud the trust of customers, and use loans, investment and financial services as bait to deceive security deposits, etc.
4. Custody risk: First, bank cards were stolen. When a customer uses a bank card, the criminals distract the cardholder by intentionally speaking or blocking their eyes, and then wait for the opportunity to exchange the real card with a fake card with a similar card surface. The second is improper information storage. If you put the account number, password, ID card, etc. together, in case of theft, it is difficult to prevent the loss of funds in the first time. Or the electronic banking information is not backed up and recorded. After the loss, it may not be able to report the loss and stop payment in time due to the failure to provide accurate account and balance information. Or the password is too simple and may be easily cracked. The third is the improper use of telephone banking. At present, the hardware security function of telephone banking is relatively weak. For example, if a customer accidentally leaks information when using telephone banking in a public place, criminals can only transfer funds to the agreed account through voice, and pay fees and recharge for others.
5. Legal risks: First, it is difficult to obtain legal evidence after disputes in electronic banking transactions. For example, e-banking adopts the principle that if the password matches, it is regarded as a legal transaction, but consumers are generally difficult to obtain evidence to prove the person responsible for the password leakage, which causes consumers to bear more risks of e-banking. Second, legislation lags behind. The current laws and regulations governing payment and settlement are based on traditional payment methods. The responsibilities, rights and obligations of all parties in electronic payment are not clarified in legal form. Some electronic banking business management measures and the exemption clauses set in the articles of association may emphasize the bank ’s own interest.
Although electronic banking has many risks, as long as consumers are cautious and careful, learn to use them properly, and prevent them properly, their risks are also controllable. One is to avoid indulgence. It is necessary to fully grasp the relevant knowledge of e-banking before operating, and it is not allowed to act lightly. If you apply for personal online banking, you should read the precautions in detail and consult with professionals to ensure that the website is accurate, the operating procedures are correct, you do not use public computers, and the necessary software and hardware are in place (including firewalls, antivirus software, and USB shields). At the same time, it is better to keep a lower balance in the online banking account. When a large payment is required, the sub-account should be linked down, and the sub-account should be deleted immediately after payment. The second is to avoid delusions. Part of the fraudulent use of electronic banking is often caused by customers who are greedy and want to find a new way to get rich, which is tempted by the other party. The third is to avoid mistrust. Don't believe some information from unknown sources. If you have any questions, you should go directly to the bank for enquiries or call the bank's service hotline. You must not disclose your account password at any time. The fourth is to avoid defense. In the operation of e-banking and the storage of information, you must not be careless and unguarded. You must carefully check the accuracy of each transaction and properly keep the relevant credentials; the account number, password, etc. are stored separately from the bank card and U shield; When using bank information, pay attention to using some words that only you can understand, and do not directly record them completely. Fifth, avoid ignorance. Consumers should pay more attention to public education and publicity in the field of e-banking, pay attention to new changes, new cases and new risks in e-banking, so as to be prepared for the first.