With online banking and shopping offering greater convenience, more and more people are using the Internet to conduct financial transactions and make purchases. However, cybercriminals are capitalising on opportunities to steal consumers’ passwords, identities and money. Here are some useful tips — from Kaspersky Lab’s team of security experts — to help you protect your money and data when you’re online:
Internet security tips — to help you protect your money and credit cards online
When you need to visit an online bank, a retailer or a payment website, you should manually type in the URL — instead of clicking on a link. Do not visit websites by clicking on:
Most financial organisations will never send emails asking customers to:
When you’re visiting a web page that needs you to enter confidential data, carefully check that the address of the page that’s shown on the browser corresponds with the page that you were intending to access. If the URL is made up of a random selection of letters and numbers — or it looks suspicious — do not input any information.
Make sure that you use an encrypted connection, whenever you need to input any confidential data. If a connection is secure, the URL will start with the letters ‘https’ — in addition, the address bar or the browser’s status bar will display a small icon of a lock. When you click on the lock icon, look closely at the information about the SSL authentication certificate that has been issued to the site (you’ll be able to note when the certificate was issued, who issued it and for what period the certificate was issued).
Try to avoid using public computers — in Internet cafes, airports, clubs, hotels, libraries or other locations — when you need to access online banking services or online retailers. These public computers may have a variety of spyware programs running on them. If so, these malicious programs could record everything you type on the keyboard — including your passwords — and also intercept Internet traffic.
Even if you use your own computer for online transactions, you need to avoid connecting to the Internet via a public Wi-Fi network. On a public Wi-Fi network, there is a risk that the traffic might be intercepted by the network’s administrator or by cybercriminals — and attacks might be launched with network worms.
You might benefit from having a special card that you only use for online purchases. It may be possible to restrict the credit limit for your ‘online credit card’ or to hold a limited amount of money on your ‘online debit card’.
Before making a purchase online, try to read customer reviews about that specific retailer.
It can be a good idea to avoid buying from retailers that have websites that are registered with free hosting services.
If you have any doubts or suspicions about a retailer’s website, use a ‘WhoIs’ IP service in order to find out more information about the domain — including how long it has been in use and who owns it. Note the period of time for which the domain has been paid.
Always ensure that the operating system — and all applications — on your computer and other devices have the latest updates installed. This will help to eliminate operating system and application vulnerabilities that can be exploited by malicious software programs and attacks. Windows OS products are often targets of vulnerabilities so be sure you're secure whether you are running the newest OS , XP, or Windows 7 - security is essential.
For additional security, instead of just running a standard firewall, you may choose to run application and software-based firewalls.
A rigorous anti-malware solution can protect you against computer viruses, worms, Trojan viruses and more. Some anti-malware products also include special technologies that provide additional layers of security when you’re using online shopping and banking websites.
With online banking and shopping offering greater convenience, more and more people are using the Internet to conduct financial transactions and make purchases. However, cybercriminals are capitalising on opportunities to steal consumers’ passwords, identities and money.
Here are some useful tips — from Kaspersky Lab’s team of security experts — to help you protect your money and data when you’re online: