Three tricks for electronic banking to prevent fraud

With the popularity of e-banking, financial frauds around e-banking have also appeared from time to time, which has caused hidden concerns for users of e-banking. ICBC expert Xu Yuanyi introduced that, after mastering some common sense to prevent fraud, it is completely safe to use e-banking to achieve "sit back and relax".

Cyber ​​fraud prevention

First, do not reply to e-mails from unknown sources requesting personal information, and do not disclose any personal information to unsolicited telemarketers; second, do not click on suspicious links in e-mails, and do not place any links on suspicious emails. Enter the bank card number and password; three is to conduct online transactions through the bank webpage link or directly log in to a familiar and trusted company webpage; fourth is to ensure the safety of the computer, install a firewall and antivirus software, and update regularly; fifth is to check the bill in time, Credit cards and bank statements. If any abnormality is found, immediately call the customer service hotline of the issuing bank for inquiries; sixth, do not use personal online banking in public Internet cafes to prevent disclosure of relevant bank account information.

If you are still uneasy, you can apply for a client certificate from the bank, such as ICBC's "U-Shield". As a security pass specifically for online banking, once the customer's relevant information is downloaded into the "U-Shield", it is unique and non-reproducible. All external transfers of account funds on the Internet must be uniquely authenticated by the "U-Shield" in advance , So you can effectively prevent various possible risks including "fake website" and "Trojan horse" viruses.

ATM fraud prevention

When using an ATM machine, first, pay attention to whether there are strangers around you peeping the password or being too close to yourself. If necessary, you can remind others to keep a certain distance from yourself; second, do not divert your attention to pick up things or look around; third, do not Easily accept the help of "enthusiastic people" and be distracted by people; Fourth, block the card slot with your hand or body to prevent outlaws from adjusting packages; Fifth, raise awareness of safe card use, and post various notices and ATMs posted on ATMs Changes, the card is swallowed, etc. to increase vigilance. If you are uneasy, please directly call the bank's customer service hotline (such as ICBC: 95588), or ask at the bank counter, do not call the phone number posted on the notice; Sixth, pay attention to whether there are password keyboards or modified traces in the access control (general self-service area) There is no access code); seven is to pay attention to whether there are extra devices or cameras, whether the keyboard has modified marks or has been filmed. At the same time, we must always pay attention to the changes in the funds in the account. If you have no time to pay attention, you may wish to install a reminder of the balance change for yourself. Many banks have launched SMS reminder services for balance changes. Taking industrial behavior as an example, as long as the service is customized, when citizens deposit and withdraw funds, transfer money, swipe cards for consumption, or invest in financial management, as long as the account funds change, Receive SMS reminder at the first time to keep track of changes in account funds.

Prevention of telephone SMS fraud

One is not credulous. Be familiar with the telephone numbers of the customer service centers of various banks, and do not believe the "risk alerts" sent by other telephones in case you are deceived.

The second is not to respond. Do not respond to suspicious voice calls or text messages, you should directly call the customer service hotline of the issuing bank.

The third is not to leak. Pay attention to protecting identity information and account information when receiving suspicious calls or text messages.

The fourth is not to transfer money. Never follow the "guidance" of an unfamiliar phone to conduct ATM or online banking operations.

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