Tsarin zamba na banki - abin da kuke buƙatar sani game da mafita

Godiya ga saurin ci gaba a fannin banki zuwa dijital da kuma
haɓaka kewayon sabis na banki, haɓaka ta'aziyya koyaushe da haɓaka damar abokin ciniki. Amma a lokaci guda, haɗarin yana ƙaruwa, kuma, daidai da haka, matakin da ake buƙata don tabbatar da tsaro na kuɗin abokin ciniki yana ƙaruwa.

Asara na shekara-shekara daga zamba na kuɗi a fagen biyan kuɗi ta yanar gizo kusan dala biliyan 200 ne. Kashi 38% na su sakamakon satar bayanan mai amfani ne. Yadda za a kauce wa irin wannan kasada? Tsarin Antifraud yana taimakawa da wannan.

Tsarin hana zamba na zamani wata hanya ce da ke ba da damar, da farko, don fahimtar halayen kowane abokin ciniki a duk tashoshin banki da bin diddigin su a ainihin lokacin. Yana iya gano duka barazanar yanar gizo da zamba na kuɗi.

Ya kamata a lura cewa tsaro sau da yawa yana baya bayan harin, don haka makasudin kyakkyawan tsarin yaki da zamba shine a rage wannan raguwa zuwa sifili da tabbatar da gano lokaci da amsa barazanar da ke tasowa.

A yau, sashen na banki a hankali yana sabunta tafsirinsa na tsofaffin tsarin yaƙi da zamba tare da sababbi, waɗanda aka ƙirƙira su ta amfani da sabbin dabaru, dabaru da fasahohi, kamar:

• aiki tare da adadi mai yawa na bayanai;
• koyon inji;
• basirar wucin gadi;
• na dogon lokaci halayya biometrics
• da sauransu.

Godiya ga wannan, sabbin tsarin antifraud na ƙarni yana nuna haɓaka mai yawa a ciki
inganci, ba tare da buƙatar ƙarin albarkatu masu mahimmanci ba.

Amfani da na'ura koyo da basirar wucin gadi, bayanan kuɗi
cibiyoyin tunani na cybersecurity suna rage buƙatar manyan ma'aikata
mai ƙwarewar ƙwararrun masana kuma suna sa ya yiwu a ƙara saurin saurin kuma
daidaito na binciken taron.

Tare da yin amfani da na'urori masu auna dabi'a na dogon lokaci, yana yiwuwa a gano "hare-haren-rana" da kuma rage yawan ƙididdiga na ƙarya. Dole ne tsarin hana zamba ya samar da matakai masu yawa don tabbatar da tsaro na ma'amala (na'urar ƙare - zaman - tashar - kariyar tashoshi da yawa - amfani da bayanai daga SOCs na waje). Tsaro bai kamata ya ƙare tare da amincin mai amfani da tabbatar da ingancin mu'amala ba.

Kyakkyawan tsarin hana zamba na zamani yana ba ka damar damun abokin ciniki lokacin da babu buƙatarsa, misali, ta hanyar aika masa kalmar sirri na lokaci ɗaya don tabbatar da shiga cikin asusunsa na sirri. Wannan yana inganta kwarewarsa ta yin amfani da sabis na banki kuma, don haka, yana tabbatar da wadatar da kai, yayin da yake ƙara yawan amincewa. Ya kamata a lura da cewa tsarin hana zamba abu ne mai mahimmanci, tun da dakatar da aikinsa na iya haifar da ko dai a dakatar da harkokin kasuwanci, ko kuma, idan tsarin bai yi aiki daidai ba, zuwa karuwa a cikin hadarin asarar kudi. Sabili da haka, lokacin zabar tsarin, ya kamata ku kula da amincin aiki, tsaro na adana bayanai, rashin haƙuri, da haɓakar tsarin.

Wani muhimmin al'amari kuma shi ne sauƙin shigar da tsarin yaƙi da zamba da sauƙi
hadewa tare da tsarin bayanan banki. A lokaci guda, kuna buƙatar fahimtar hakan
haɗin kai ya kamata ya zama mafi ƙarancin buƙata kamar yadda zai iya tasiri gudun da
ingancin tsarin.

Don aikin masana, yana da matukar mahimmanci cewa tsarin yana da haɗin gwiwar mai amfani kuma yana ba da damar samun cikakken bayani game da wani taron. Ya kamata kafa dokoki da ayyuka su kasance masu sauƙi da sauƙi.

A yau akwai adadin sanannun mafita akan tsarin tsarin yaƙi da zamba:

ThreadMark

Maganin AntiFraudSuite daga ThreatMark, duk da kasancewarsa matashi akan tsarin tsarin hana zamba, ya sami damar zuwa hankalin Gartner. AntiFraudSuite ya haɗa da ikon gano barazanar yanar gizo da zamba na kuɗi. Amfani da na'ura koyo, hankali na wucin gadi da kuma na dogon lokaci na dabi'un halitta suna ba ku damar gano barazanar a ainihin lokacin kuma yana da daidaiton ganowa sosai.

Nice

Maganin Nice Actimize daga NICE yana cikin rukunin dandamali na nazari kuma yana ba da damar gano zamba na kuɗi a ainihin lokacin. Tsarin yana ba da tsaro ga kowane nau'in biyan kuɗi, gami da SWIFT/Wire, Biyan Biyan Sauri, Biyan BACS SEPA, ATM/Debit ma'amaloli, Biyan kuɗi mai yawa, Biyan Biyan kuɗi, biyan P2P/asusu da nau'ikan canja wurin gida daban-daban.

RSA

Kula da Ma'amalar RSA da Tabbatar da Daidaitawa daga RSA na ajin ne
dandamali na nazari. Tsarin yana ba ku damar gano yunƙurin zamba a cikin ainihin lokaci kuma yana kula da ma'amaloli bayan mai amfani ya shiga cikin tsarin, wanda ke ba ku damar kare kai daga hare-haren MITM (Man in the Middle) da MITB (Man in the Browser).

SAS

SAS Fraud and Security Intelligence (SAS FSI) dandamali ne guda ɗaya don magance matsalolin hana ciniki, bashi, ciki da sauran nau'ikan zamba na kuɗi. Maganin ya haɗu da kyau-daidaita ƙa'idodin kasuwanci tare da fasahar koyon injin don hana zamba tare da ƙaramin matakin ƙima. Tsarin ya ƙunshi ginanniyar hanyoyin haɗin kai tare da tushen bayanan kan layi da na layi.

F5

F5 WebSafe shine mafita don kariya daga barazanar yanar gizo a cikin sashin kuɗi daga F5. Yana ba ku damar gano satar asusu, alamun kamuwa da cuta na malware, keylogging, phishing, Trojans mai nisa, haka kuma MITM (Man in the Middle), MITB (Man in the Browser) da MITP (Man a cikin Waya) harin).

IBM

IBM Trusteer Rapport daga IBM an tsara shi ne don kare masu amfani daga sahihan bayanai, kama allo, malware da hare-haren phishing, gami da hare-haren MITM (Man in the Middle) da MITB (Man in the Browser). Don cimma wannan, IBM Trusteer Rapport yana amfani da fasahar koyon injin don ganowa da cire malware ta atomatik daga na'urar ƙarshe, yana tabbatar da amintaccen zaman kan layi.

Binciken Masu Tsaro

Tsarin Gano Zamba na Bankin Dijital daga Binciken Guardian dandamali ne na nazari. A lokaci guda, Binciken Zamba na Bankin Dijital yana ba da kariya daga yunƙurin karɓar asusun abokin ciniki, canja wurin yaudara, phishing da MITB (Man in the Browser) kai hari a ainihin lokacin. Ga kowane mai amfani, an ƙirƙiri bayanin martaba, a kan abin da aka gane munanan halaye.

Ya kamata a yi zaɓin tsarin hana zamba, da farko, tare da fahimtar bukatun ku: ya kamata ya zama dandamali na nazari don gano zamba na kuɗi, mafita don kare barazanar yanar gizo, ko cikakkiyar bayani wanda ke ba da duka biyun. Yawancin mafita za a iya haɗawa da juna, amma sau da yawa tsarin guda ɗaya wanda zai ba mu damar magance matsalolin da muke fuskanta zai fi tasiri.

Mawallafi: Artemy Kabantsov, Softprom

source: www.habr.com