![]() ![]() This solution meets the recommendations of the above PSD2 directive and thanks to its structure and design it can be integrated with an operating system and used as an additional authentication factor. tPro Mobile is an advanced mobile tool.This token is impervious to remote attacks The user authorises every transaction by pressing a button on the device housing. The advantage of this solution is also the HPD (Human Presence Detection) mechanism. tProc ECC is a hardware token using the elliptic curve cryptography.In Comarch, we use two different tokens for banking: #Problem statement bank management system codeHaving entered the login and password, the user must provide also an additional code generated by the token, i.e. #Problem statement bank management system softwareWhat solutions are used by banks? The online banking security software used frequently is tokens. ![]() The online banking security is largely conditional on whether it is strong thanks to which the user’s account will not be available to cybercriminals. The online banking security software should minimize the success rate of the above attack types.įor the online banking, the authentication of the user’s identity is deemed to be of key importance. When it comes to the threats for the online banking users, the following can be listed: phishing, Man In The Middle, Man In The Browser or remote attacks. The EU General Data Protection Regulation (GDPR) is equally important, as it contains detailed guidelines concerning bank employees’ conduct when there is a hacking attack or customer’s data is disclosed to any third party by mistake.īanking security software - what do the banks use?Ī bank offering e-banking services must ensure the security of software used by it. The PSD2 directive is not the only one the banks must consider with respect to the online banking security. However, this still means the bank should make every effort to prevent any security violations. They shall not be held liable if they were not able to detect the loss, theft, appropriation or unauthorised use of a payment instrument before the payment (Article 74 PDS2). After the loss, theft, appropriation or unauthorised use of a payment instrument is detected (Article 69 PSD2), the customer is obliged to report that to the payment services provider. Good news for the customers is that online banking security is examined in the context of reducing their liability for unauthorised transactions. The idea is that the violation of one of them does not compromise the reliability of the other. ![]() The components must be independent from one another.
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