Experts remind online banking that "information security" needs to be guarded

Online Banking, also known as Internet Banking, is a bank's technology that provides services such as account opening, account cancellation, transfer, investment and wealth management to bank customers through the Internet. For customers, the use of online banking is not limited by time and space. As long as they can access the Internet, they can enjoy banking services at any time and any place, which greatly saves the time and energy of customers.

But in the process of using online banking, it will also face some risks, such as information leakage and theft of funds. Recently, some media reported that nearly 110,000 yuan of Zhejiang citizen Zhu Yumei's account in the construction bank was transferred from the Internet, making it another cause after the theft of more than 160,000 yuan in the Shanghai Min Caizhong online banking account. Seriously lost users. Earlier at 5 pm on July 20, 2006, Ms. Ying hurried to the Beilun Branch of the Ningbo Municipal Public Security Bureau to report that her private deposit in an online banking account opened by a bank in Beilun was deducted 500,000 yuan; 2005 On February 2, Hong Rongyao, a citizen of Yongjia County, Wenzhou, showed on his mobile phone that his debit card was 102,500 yuan less and reported the case to the police.

The relevant person in charge of the Economic Investigation Division of the Hangzhou Municipal Public Security Bureau said in an interview with reporters recently that there are still very few stolen online banking accounts. For example, in Hangzhou, "we have not received such reports".

According to General Manager Zhang of the Banking Department of China Merchants Bank Hangzhou Branch, there are four main situations in which customer information is stolen. Fake bank websites, fake banks send text messages, fake bank customer service sends emails, and network security. For the first three "fraud tricks", the bank reminded that as long as the customer has sufficient vigilance, the problem is not big. If you enter the bank's website, it is best to use your favorite link URL to check carefully; note that no bank will send emails that require customers to change their passwords; banks will only send SMS messages to customers through their dedicated customer service phone, such as 95588, as long as The number shown on the text message is not a customer service number, it must be fake.

However, with regard to network security, various endless network viruses endanger the security of computer networks in order to steal the bank account numbers and passwords of online banking customers. Customers are often unable to do so, but they can spend a small amount of money to maintain safety. In this regard, experts recommend that online banking users purchase genuine anti-virus software and ensure that the anti-virus software has the functions of "active defense" and "real-time monitoring"; try to use your own computer; update the anti-virus software virus database in a timely manner; Do not click on strange mails at will; use the soft keyboard when logging into the trading system, and exit the online trading system in time after the transaction is completed.