Trade safely in Internet banking

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Las entidades financieras cuentan con sistemas de seguridad para que la información entre el banco y el client be confidencial, evitando su viable lectura o manipulación por parte de terceros. Algunos bancos y cajas de ahorros posibilitan al cliente scan your computer equipment, to check that you can carry out any type of banking operation with total security. Another system consists of showing the time and date of the last connection, in order to detect if there has been an entry outside the client.

Las nuevas tecnologías aplicadas a la banca han hecho viable que los usuarios accedan y operen cuentas desde cualquier computadora o teléfono. Pero si el Username no sigue una serie de precauciones el cyber criminals they can violate access to your accounts. That is why consumer associations and financial organizations themselves urge users of this type of service to take a series of security measures to prevent customers from computer thieves make your goals come true.

In the first place, when selecting an entity where to invest the money or carry out any type of banking operation via network, you must ensure that it is registered in the Register of Entities of the Bank of Spain, the National Securities Market Commission (CNMV) or the General Directorate of Insurance, and that it is authorized to operate legally.

Online banking: security measures

The OCU recalls that bank customers online, they may be more exposed to possible scams, so they should take extreme precautions through a series of measures, among which are: always keep passwords secret; use random access codes (preferably combining numbers and letters, but without resorting to obvious figures); Avoid entering the bank from public computers.

Check that you are browsing secure pages (a padlock appears at the bottom right); Do not leave the computer until the session ends and turn it off later. Por último, se enfatiza que es esencial tener los browsers actualizados con los protocolos de seguridad y firewalls, así como guardar o imprimir la copia de la operación, como prueba.

Security certificate

Spanish banks as a whole currently offer excellent security measures to protect their clients from possible attacks by cyber criminals. One of these tools is the security certificate that guarantees the security and data confidentiality que se intercambian entre el cliente y la entidad financiera. Si al ingresar al servicio, el browser no reconoce este certificado, indicará que ha caducado, por lo que debe actualizarse en el equipo haciendo doble clic en el «candado» que aparece en la parte inferior de la pantalla y presionando » instalar certificado «.

Respecto a la transmisión de información entre el PC del usuario y el server Web de la entidad financiera, es importante destacar que se hace a través de un protocolo de encriptación SSL (Secure Socket Leyer) of 128 bits, the maximum encryption that exists at this time. All these measures prevent third parties you can view or modify such data.

Al mismo tiempo, para verificar que está operando en un portal web seguro, la dirección de la página debe empezar con «httpS». Asimismo, debería aparecer un “candado cerrado” o una “llave” en la parte inferior de la pantalla. Estas herramientas a disposición de los bancos y cajas de ahorros posibilitan un doble target, por un lado, que el cliente esté comunicando sus datos al centro servidor de la entidad financiera y no a ningún otro que intente suplantarlo. Y por otro, que entre el cliente y el centro servidor los datos «viajan» cifrados, evitando su viable lectura o manipulación por parte de terceros.

Virus finder

Financial entities in Spain in the face of the progressive increase in computer viruses and software espía (spyware remains unintentionally installed, and that can capture personal and financial information of the user) that can affect the banking operations carried out by hundreds and hundreds of users have decided to increase and innovate the security measures in their webs, in which they offer practical information on any problem that occurs to the client.

On a tour of the pages webs of banks and savings banks, it is evident that most of them have departments specifically dedicated to the issue of security, in which the user, at the same time receiving information on the measures to take in these situations, receives an explanation on the security that has a bank or safe, as well as the services they offer.

Security systems

El más novedoso es el que Bankinter ha puesto en marcha al poner a disposición de sus clientes un antivirus especializado en el entorno financiero, de forma completamente gratuita. El tiempo de ejecución es inferior a 30 segundos, actualizándose de forma automática en cada ejecución. Este Search Engine use a new technology in mode online, detecting those viruses that are running on your computer at the time of the analysis. In this way, the user can use it as a complement to their traditional antivirus.

Need internet Explorer 5.5 or later versions. When starting the computer scan, a file type download is executed Active X cuyo procedimiento puede tardar unos segundos, durante los cuales la pantalla de ejecución del antivirus se quedará sin contents. Además cuenta con otra herramienta para aumentar la seguridad en las operaciones que realizan sus clientes.

Avoid risks

It involves accessing the coordinates of your key card each time the user signs an operation, it is carried out using a graphical panel, a system that makes it possible to avoid the risk of programs known as "Trojans", which try to capture information by pressing the keyboard. “We subject our information systems to periodic intrusion tests, both internal and external.”, They point from Bankinter.

The implementation of these security measures enables customers who use banking online They are in a safe environment and the transactions you carry out, consult your personal accounts, transfers, sale of securities, etc., are completely satisfactory without any negative surprises. That is why many entities have decided to expand these systems. This is the case of Banco Sabadell, which has started to use the electronic signature in your emails. This method guarantees the identity of the issuer, who has received the validation of his email address through the electronic signature through a digital certification authority, and who, at the same time, "It technically guarantees that the content of the message is not altered in transit by third parties”, They affirm from the Vallesano bank.

Capture the information

Other efficient formulas that Spanish banking has been developing to prevent third parties from seeing or capturing the information that is exchanged, to offer greater security is a system of automatic disconnection, which disconnects the user in the event that a few minutes have elapsed without having performed any operation, as well as the appearance in the Web of the date and time of the last connection, so that the client can detect if there has been a connection not made by him. BBK and “la Caixa” are an example of the many financial institutions that have decided to apply this system to prevent fraud on the Internet.

Otra variante es la que aplica «la Caixa» para aquellas persons que usan la «Línea Abierta», protegiéndolas a través de la «CaixaProtect ”, which has a system of protection against fraud or theft, «Without taking charge of any responsibility or expense for fraudulent use by the client”, They explain from the entity. An immediate warning is only needed when an irregularity is detected. One of its main advantages is that “si tenemos tu número de smartphone te avisaremos de forma automática de las operaciones de mayor importe que se realicen con tus tarjetas o en Línea Abierta a través de SMS ”.

Basic tips

In summary, there are a series of recommendations for the protection of the PC and the information it contains to be satisfactory:

• Install an antivirus system on the computer and keep it permanently updated.

• Avoid opening emails of unknown origin.

• Update your personal computer with the latest recommended security updates for your operating system and browser.
• You should not install any software of strange or suspicious origin.

Likewise, they indicate that it should always be verified that the data is entered under a secure connection (cuando aparece el símbolo de un candado cerrado en su navegador). Si se realiza una conexión desde una computadora pública o compartida, la cache del navegador (archivos temporales de Internet) debe borrarse para borrar cualquier dato introducido. Es conveniente ingresar al banco de forma directa desde su navegador (escribiendo la dirección de la institución financiera) y no desde links en páginas que ofrecen poca confianza. Y recuerda que el «Código de Usuario» y la «Contraseña Personal» son datos personales y confidenciales, que recomiendan cambiar de forma periódica.

Recommendations about your computer

Prevention is the best weapon available to Internet banking users to protect their identity, through simple operations that will preserve the computer equipment from possible external attacks that may affect any banking movement that is carried out. Here are some of them:

• Update the browser version.
• Remove periodically biscuits of the computer.
• Make backup copies and keep the operating system up to date with the latest updates.
• Do not share files or printers with third parties.
• Periodically check the pages visited. This procedure can be done by consulting the "History" option of the browser.