RAČUNALNIŠKI KRIMINAL IN ELEKTRONSKO BANČNIŠTVO

• Main Author: Valentan, Andreja
• Other Authors: Bobek, Samo
• Format: Bachelor Thesis
• Language: Slovenian
• Published: A. Valentan 2010
• Subjects: e-bančništvo; bankomati; plačilne kartice; internet; zlorabe; varnost; phishing; varnostni mehanizmi; e-banking; ATM; pay cards; abuses; security; safety mechanisms; info:eu-repo/classification/udc/336.71; sami
• Online Access: https://dk.um.si/IzpisGradiva.php?id=14443; https://dk.um.si/Dokument.php?id=15369&dn=; https://plus.si.cobiss.net/opac7/bib/10356764?lang=sl

Elektronsko bančništvo je danes najpogosteje uporabljena oblika komuniciranja z banko saj je preprosta, cenejša od klasičnega poslovanja, z njo se izognemo dolgim čakalnim vrstam v bankah, bančne storitve pa lahko opravljamo 24 ur na dan. Ne smo pa pozabiti, da je največji problem varnost: Kako zaščititi uporabnike e-bančništva pred hekerji, ki prežijo nanje na spletu. Z vedno več uporabniki raste namreč tudi število zlorab. Računalniški kriminal je najlažji zaslužek, kriminalce pa je zelo težko izslediti. Najpogosteje uporabljena spletna goljufija je phishing oz. lažne spletne strani. Najlažje je narediti lažno spletno stran, kjer bomo vpisali svoje podatke, pin in številke bančnih kartic. Tako na najlažji način poberejo ves denar z računa. Banke pri nas so zelo dobro zaščitene pred vlomi z raznimi programi in programskimi rešitvami, uporabniki pa morajo za svojo varnost poskrbeti sami, saj so sami največji krivci, če ostanejo brez denarja. Preko spleta nikdar ne smejo zaupati svojih osebnih podatkov drugim osebam. Morajo pa tudi upoštevati navodila za uporabo e-bančništva in varnostne ukrepe, ki jih vsaka banka objavi za svoje komitente, saj je slabo, tako za banko kot uporabnika, če si hekerji prilastijo tuj denar. Electronic banking is the most used form of communication with the bank today. Because it is simple, cheaper than classical business, and we avoid long queues in banks. We can do bank services 24 hours a day. However the biggest problem is security. How to protect online banking users from hackers, that prey upon them from web. Number of abuses is increasing with more and more new users. Computer crime is the easiest way of income because the criminals are very hard to trace. The most used web fraud is phishing or in other words false web pages. The easiest way for criminals to succeed is to make false web page, where we put in our own data, pin number and bank cards numbers. It's the simplest way to steal all the money from our account. Our banks have very high level of protection against burglary backed up with various programs and software solutions, but users must take care of their safety by themselfs. Because if they end up without their money it is them who's the biggest culprit. They must never entrust their personal data to other people over the web. They must aslo consider the instructions in order to use e-banking and security guidelines that every bank publishes for their business partners. Because its bad for both bank and user, if heckers succeed in achieving their goal.