Generally speaking, because e-banking involves the management of funds and property, the security level of e-banking is higher than that of ordinary websites. E-banking will provide security protection for the whole process of users from login to using e-banking in a variety of ways, so the security is still more trustworthy. So how does e-banking ensure the safety of users' property?
First, use e-banking services. Usually, commercial banks will require customers to open corresponding e-banking services at the bank's manual service counter. In the process of opening, they will verify the user's identity and give the user a certificate to identify the user's identity on the Internet. This certificate can be a reserved account number and password, a combined password card that has not been scratched, or an electronic certificate. This certificate can be downloaded to the browser on the e-banking website by the user with the password, or built into a small storage device like a USB flash disk, which is commonly known as the U shield. These vouchers are used to help verify the user's identity in the process of using e-banking, so as to ensure that the person using the relevant account of e-banking has the correct authority.
After verifying that the user is a legitimate user, the page of e-bank is usually transmitted by HTTP (Hypertext Transfer Protocol) when transmitting information between our computer and the server of the bank. HTTP will encrypt the data used by e-banking, so even if a hacker intercepts the data in the process of using e-banking on the network, he can't understand the content of these data. Of course, it won't pose a threat to the property security in our e-banking.
But even with so many security guarantees, if you don't pay attention to the custody of accounts, passwords or improper use and operation, sometimes the property in e-banking will be stolen by others. If the computer using e-banking is not protected against viruses and Trojan horse software, the account and password we enter may be obtained by hackers through Trojan horse programs.
Therefore, in order to ensure the property security in e-banking, in addition to commercial banks actively using various technical means for security protection, we should also develop some good habits, such as paying attention to installing anti-virus software and firewall, and updating virus database and Trojan horse feature database in time. The password setting of e-banking must not be too simple, and can not be easily guessed by others. Do not use ID number, telephone number, birthday, door number, etc. as passwords. In addition, if possible, we should change the password of e-banking regularly, because no matter how complex the password is, if we use it for a long time, we can't guarantee that the password will not be obtained by others.
For e-commerce transactions and the use of e-banking and other businesses with high security requirements, they should be used in a relatively safe environment as far as possible, such as operating on a computer at home, rather than using e-banking on public computers such as Internet cafes and offices. Don't easily click the website links sent by unfamiliar people in the email or instant messaging software, because these links may lead to phishing websites set up by some hackers to imitate real e-commerce websites to obtain our website security information, bank account information, etc.
In addition, if e-banking verifies the user's identity by means of e-Certificate, we should pay attention not to copy the e-Certificate to multiple computers for convenience, because it is convenient for hackers to steal information at the same time. It is also a good way to bind the E-bank account with the mobile phone so that the account changes can be monitored at any time.