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How to Secure Online Transactions? Tips to Securing and Vulnerabilities

Can not be denied, the number of users online transactions each year continues to increase. Harris Interactive survey conducted in February-March 2012 said there were 57 percent of Internet users who manage bank accounts online and make online shopping. Of these, about 31 percent admitted they store data banking on the hard drive.

Therefore not surprising that banking information is very tempting targets for cyber criminals. The target was none other data such as login passwords, code validation and confirmation of transactions that they could use to fake himself as the owner of an electronic account. In addition, e-mail is also often used as one of the simplest ways to get financial information.

E-mail like this usually contains a message that entices the recipient to provide personal information or visit the official website of a particular bank. Another way is to include a link that directs consumers to third party sites that contain malicious programs. The cyber criminals can steal information from infected systems, by means similar with theft information through websites ‘official’ that they make, or make the interception of information typed through a browser. Interception can also be done directly using a keylogger.

One of the trojan that took part in a theft trick this is Trojan-Banker.MSIL.MultiPhishing.gen. This Trojan detected by Kaspersky Lab experts in January 2012 ago. This Trojan is designed to steal credentials major banks in Europe.

So, although this trojan has entered into a victim’s computer, but this trojan will not be activated immediately, but waits until the user is logged into one bank online services. How it works, the trojan will display a window that mimics the bank authorization form that is accessible, while the original windows from bank will be closed by this trojan. This Trojan can be detected by antivirus registered in England.

To protect customers from threats that exist when doing online banking, some banks apply to their own protection. For example, multiple authentication which requires customers to use two passwords. The first and second login to confirm payment or other transaction.

This can be combined with one-time password system that sent the bank to make cell phone customers every single transaction. Another way is to give a token to its customers to generate passwords on request. In addition, for the outside teller transactions, such as online banking, mobile banking, SMS banking and others, banking uses SSL secure connection that reduces risk of Data theft during transmission.

To ensure the security of your banking information – and the system you use – it takes a reliable antivirus solution with a reliable Internet security. This solution should be able to protect your computer from malicious software, network attacks and malware in e-mail traffic using traditional technology and proactive. You also need an antivirus program that can protect you while exploring the virtual world. To overcome the keylogger can intercept data to typed on your keyboard, you can use a virtual keyboard.

Safe Money Kaspersky provides technology designed to protect banks and other financial information during transactions. Some of the protection offered by this solution are:

  • Database address of bank and trusted e-payment system that can be modified by the consumer;
  • Tools to verify the identity of a server;
  • Tools to scan your computer and look for vulnerabilities that affect the security of online banking;
  • Protection of the browser creates an isolated environment for bank sites, payment systems and online stores;
  • Features that protect the Secure Keyboard Data entry with the help of a special drive and mouse-driven virtual keyboard.

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