Four tips from experts to teach you to use the online banking system more safely

Nowadays, online banking is used more and more frequently, making online payment and transfer of funds faster and easier. There are also many readers and friends who have questions about the safety of using online banking in China. How to use online banking transactions to ensure the security of your account funds? Experts from the China Financial Certification Center are here to help everyone.

Start online banking trading system

To use the online banking transaction system, first, you must have a bank account. Then, bring your ID and go to the counter of this bank to apply for online banking. Generally, one or two application forms need to be filled out to apply for a “digital certificate” from the bank counter. The counter staff will provide you with two ways of storing certificates. One is that you need to buy a USB interface encryption device, the price is 50 yuan-100 yuan, each bank launches products of different price points; the other is to let you download the digital certificate file to your computer . Experts suggest that using a USB interface encryption device, it is more reliable and more convenient to spend a little more money. It can be used for any computer change.

Use and keep safe digital certificates

Digital certificates are currently the most effective means of ensuring safety. But if it is not stored properly, it will be stolen by others. There are hard certificates stored in hardware media such as USB interface encryptors, and soft certificates stored in computer browsers.

The hard certificate has a higher security level and can be carried with you. The certificate information cannot be stolen; it is not restricted to use on a fixed computer. If you use soft certificates, the security of the computer you use is very important. Is it possible for others to open this computer and browse for information at will? Is a firewall installed? Are anti-virus software updated frequently? Is the virus checked regularly? You have to verify all the questions and confirm that the soft certificate is not easy to be stolen before you can use this computer's online banking transaction system with confidence. If you are using a soft certificate, then experts recommend using a personal computer, installing a firewall, anti-virus software, and anti-virus regularly. To improve safety and convenience, experts suggest that a hard certificate is more appropriate.

In order to improve security, some banks use "dynamic passwords" or "dynamic passwords" to verify the identity of online banking users. According to experts, when encountering viruses and hackers, once the user enters the "dynamic password" and transmits it through the network, the hacker located between the user and the online banking server communication channel can intercept it through keyboard monitoring, memory reading, etc. The user cannot complete the login and causes the illusion that the network connection is disconnected and the connection times out. Once the hacker uses the intercepted "dynamic password" to impersonate the user and log in to online banking, the user may suffer losses.

Log in to the correct bank website

In addition to installing firewalls and anti-virus software on your computer, and regularly updating the virus database and detecting viruses, you should also remember the correct online banking website of the account bank, for example: Bank of Communications' online banking is. Remember not to log in to unfamiliar online banking and enter your own bank card number and password. You should properly keep your card number, password, ID number, card opening date and other information, and do not discard bank receipts. Do not use online banking in public places such as Internet cafes.

For example, online banking customers often believe that some shopping websites, especially small non-standard websites, pose a security risk. Some websites require customers to register and enter their bank card number and password when transacting. If these operations are performed on the bank's website, it is impossible for the bank staff to see the information entered by the customer, but in some small websites, the administrator can find some private information of the customer, and may use this information to cheat money. Some customers use links from other websites to enter the bank's website, and this way is likely to enter a fake website.

Keep your bank account number and password

"As long as the customer does not disclose the account number, password and U-Shield password to the same person, it is safe to use online banking." Wang Gang, general manager of the Electronic Banking Department of Industrial and Commercial Bank of China, said in an interview with reporters a few days ago. At present, more than 50% of the business handled by customers at the bank counter can be handled through electronic banking. If some customers can switch to online banking, the phenomenon of queuing in the business hall will be greatly alleviated.

In the past, a client had to travel to and from a bank outlet several times to complete a fund transaction, but now he can log in to online banking with a few mouse clicks. "When you go to the counter to handle fund trading business, it will take more than ten minutes at the smoothest time, which is not a queue time." A staff member of the ICBC Electronic Banking Department introduced, "For example, the purchase of funds through online banking by Jimin can not only be completely exempted Trouble in the queue, you can also check the current total market value of the purchased fund, the historical price of the fund and other information at any time. "

"Even if you have the highest level of online banking, it is not absolutely safe." Wang Gang said, "Is online banking safe? This is a relative question that cannot be answered absolutely. It's like if you install an anti-theft door and ask if the anti-theft door is safe. Security, if you take measures, it will of course be better than an unsafe door, but no one can guarantee that if you have an anti-theft door, you will definitely not be stolen. "

To maintain the safety of funds, customers also need to form good online habits. According to Wang Gang, computer software used by many customers, including anti-virus software, is pirated and cannot be upgraded in real time. Many viruses and hacking programs use the vulnerabilities of these software to steal customer information, and then log in to online banking as a customer to expel money.