At present, with the very high speed of internet development, it brings demands, generating facilities to meet the needs of people very high. And, among them are transactions, electronic payments. In parallel with the convenience, the problem that exists here is that the insecurity, loss of security leads to your account being very vulnerable to information theft, then will completely lose your money in your account. Item. So how to make online transactions successful and confidential, how to make electronic payments easy and still very safe? So let's be with TopnList References, statistics and views Top 08 top notes in secure electronic banking transactions right after.
1. Unique Password Setting for Mobile Banking Devices and Applications
In setting this password you should also note some of the following points to make our passwords more secure, harder to retrieve, harder to guess and harder to detect.
+ Passwords are highly secure, difficult to guess must include the following factors: Capital letters, letters, numbers and special characters (this part is the most important, because special characters will help. Your password is the most difficult to guess and spell out)
+ Absolutely speaking IS NOT With easy-to-guess passwords, you get a password that matches your personal information such as: Full name, date of birth, identity card number, phone number, pet's name, etc. but this information is very easy to guess with common password hacking algorithms.
+ The last thing in setting up passwords for electronic payment devices and applications is that when you have confirmed the password, you must remember it, do not write or save anywhere. Because that would be very easy to be traced if someone intentionally steals, have time to track you about habits and behaviors.
2. Always Secure Your Password
When you have confirmed a password that is safe and only you know, only you remember, do not think that it is safe, because the behavior of using online payments and electronic transactions over time is You will leave a "TRAINT" that can be understood that our password-stealing programs and algorithms will follow the user's usage habits and enter the user's password, thereby finding out the password of the user. themselves and steal them. So you need to keep in mind that securing your password is the number 1 most important thing.
+ The first time you receive a card, the first time you receive an account, you must change the login password for the first time and the bank's default to your password. Moreover, you need to change your password flexibly so that you don't leave WRITE. Time can be 3 month changing password 1 times. And you should not change it often, because if you remember the password, it is too good, otherwise you will change it and even if you do not remember, you should not change the password often.
+ Password security means you absolutely must not share your password with anyone else, with any transaction and naturally ask for your access password. Because of your personal password, only you know, own and use it.
So, the thing to keep in mind about password security is that you cannot share, do not create a habit for a long time.
3. Be Careful When Accessing Your Account
Currently, the methods and tools of fraud are very sophisticated and innovative every day, so the warning is incessant, but the care and attention it will share some of the following points:
+ You are not allowed to access any payment links, files that are unknown when someone sends you. Because this is probably the virus file that the hacker installs, when you click it is like activating the virus to invade, spread to the device you just clicked the link, then they will collect, take all Set your personal information on that device.
+ Before logging in to the system page from a computer, phone or downloading and accessing the mobile app, you always need to be careful in reviewing and determining whether it is the bank's homepage? Is it the official app of the bank?… After determining it clearly, press your account and password to log in and make transactions and payments. Because with the fraud method, there are many websites and apps created that are identical to the interface of the host bank, so it is easy to cause you to misunderstand.
4. Always Checking and Collating Transaction Information
When paying money, when transferring money, you should never rush. Because this is my money, when I press the wrong button, I lose or lose all personal information, so you need to always check and compare with other transaction information in the most specific way, to avoid confusion, deceived without knowing it.
+ Need to check carefully the information about OTP including: Is the recipient correct information (including account number, bank), the amount is about to be transferred, payment is correct or not.
+ DO NOT enter any OTP codes sent from websites, phone numbers except for the subjective bank of your trading account and DO NOT tell anyone about the OTP information you receive. Because you make the payment, only you need to know about this information, no need for the second person to know and watch on this transaction.
5. Always be wary of calls, messages and requests for information
This way, most of the bad objects have clearly and detailedly scripted, so if we pick up the phone and receive interactions, it is definitely difficult to avoid being manipulated by their words. Therefore, when you receive any calls, messages, and inquiries about your request for personal information from a bank, you need to do:
+ Turn off the call right away, call the hotline, call center on the account bank of your account that has just been requested by the call to verify, confirm information and report the problem.
+ Entering into the greed of people so many lottery tricks and prizes have been created, so first of all, you absolutely must not answer any calls, messages, emails. about getting a reward without knowing its origin. It is safer to contact the managing bank directly about your account to receive the prize notification and if so, go directly to the nearest branch bank to perform the delivery and receipt.
6. End of Transaction Always Note
Some of your most common problems with online transactions and payments are mistakes after the transaction ends. Why is it like that, because during the transaction you pay attention to security issues, but after payment, the habit problem, you think it's done but not yet, not done if you have not Perform the following:
+ Not yet exited from the trading account, including on computers and on mobile apps
+ IS NOT be allowed to close the browser without completely logging out of the trading account
+ IS NOT to save login password on web and phone. And especially when you are trading on another device that is not your device, you absolutely should pay attention to this issue to avoid unfortunate risks.
7. Stay up to date and protect Trading Devices
+ You must install anti-virus software on your device, set up a firewall and regularly CLEAN your device.
+ For mobile phones, you always need to download the applications on the phone at the right source, right system of the issuing bank.
+ You need to regularly pay attention and upgrade the operating system, upgrade the latest updated versions of the application. Because when the publisher uploads a new upgrade, the old version has an error and has been completed in the new version.
8. Always Update Latest Information
+ When there is any update of new personal information such as change in phone number, identity card number, date of issue of identity card, it is necessary to immediately notify the bank to update the new information. this. Avoid having personal information changed for a long time and the information on the bank has not been updated with the owner, so this is a big flaw that can cause you trouble.
+ Should register SMS Banking on the phone number you use daily to update the situation, the latest information in changing the balance of your account, your transactions are successful, unsuccessful in a timely manner most time. If when another transaction arises that you do not make, you can also detect it promptly and contact the bank to handle and resolve this issue as quickly as possible.
So above on the use of individuals and the reference from many reputable sources of information from the banking system that TopnList mentioned, share for you about 08 note to remember when opening an account, delivery Translate and pay via electronic banking offline. Wish you always protect your personal account information in any way.
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