ืžื” ื™ืงืจื” ืœืื™ืžื•ืช ื•ืกื™ืกืžืื•ืช? ืชืจื’ื•ื ื“ื•ื— Javelin "State of Strong Authentication" ืขื ื”ืขืจื•ืช

ืžื” ื™ืงืจื” ืœืื™ืžื•ืช ื•ืกื™ืกืžืื•ืช? ืชืจื’ื•ื ื“ื•ื— Javelin "State of Strong Authentication" ืขื ื”ืขืจื•ืช

ืกืคื•ื™ืœืจ ืžื›ื•ืชืจืช ื”ื“ื•"ื—: "ื”ืฉื™ืžื•ืฉ ื‘ืื™ืžื•ืช ื—ื–ืง ืขื•ืœื” ืขืงื‘ ืื™ื•ื ืฉืœ ืกื™ื›ื•ื ื™ื ื—ื“ืฉื™ื ื•ื“ืจื™ืฉื•ืช ืจื’ื•ืœื˜ื•ืจื™ื•ืช."
ื—ื‘ืจืช ื”ืžื—ืงืจ "Javelin Strategy & Research" ืคืจืกืžื” ืืช ื”ื“ื•"ื— "The State of Strong Authentication 2019" ( ืืช ื”ืžืงื•ืจ ื‘ืคื•ืจืžื˜ pdf ื ื™ืชืŸ ืœื”ื•ืจื™ื“ ื›ืืŸ). ื“ื•ื— ื–ื” ืื•ืžืจ: ืื™ื–ื” ืื—ื•ื– ืžื”ื—ื‘ืจื•ืช ื”ืืžืจื™ืงืื™ื•ืช ื•ื”ืื™ืจื•ืคื™ื•ืช ืžืฉืชืžืฉื•ืช ื‘ืกื™ืกืžืื•ืช (ื•ืžื“ื•ืข ืžืขื˜ ืื ืฉื™ื ืžืฉืชืžืฉื™ื ื‘ืกื™ืกืžืื•ืช ื›ืขืช); ืžื“ื•ืข ื”ืฉื™ืžื•ืฉ ื‘ืื™ืžื•ืช ื“ื•-ื’ื•ืจืžื™ ื”ืžื‘ื•ืกืก ืขืœ ืืกื™ืžื•ื ื™ื ืงืจื™ืคื˜ื•ื’ืจืคื™ื™ื ื’ื“ืœ ื›ืœ ื›ืš ืžื”ืจ; ืžื“ื•ืข ืงื•ื“ื™ื ื—ื“ ืคืขืžื™ื™ื ืฉื ืฉืœื—ื™ื ื‘ืืžืฆืขื•ืช SMS ืื™ื ื ืžืื•ื‘ื˜ื—ื™ื.

ื›ืœ ืžื™ ืฉืžืชืขื ื™ื™ืŸ ื‘ื”ื•ื•ื”, ื‘ืขื‘ืจ ื•ื‘ืขืชื™ื“ ืฉืœ ืื™ืžื•ืช ื‘ืืจื’ื•ื ื™ื ื•ื‘ืืคืœื™ืงืฆื™ื•ืช ืฆืจื›ื ื™ื•ืช ืžื•ื–ืžืŸ.

ืžื”ืžืชืจื’ื

ืœืžืจื‘ื” ื”ืฆืขืจ, ื”ืฉืคื” ืฉื‘ื” ื›ืชื•ื‘ ื”ื“ื•"ื— ื”ื–ื” ื”ื™ื ื“ื™ "ื™ื‘ืฉื”" ื•ืจืฉืžื™ืช. ื•ื”ืฉื™ืžื•ืฉ ื—ืžืฉ ืคืขืžื™ื ื‘ืžื™ืœื” "ืื™ืžื•ืช" ื‘ืžืฉืคื˜ ืงืฆืจ ืื—ื“ ืื™ื ื• ื”ื™ื“ื™ื™ื (ืื• ื”ืžื•ื—) ื”ืขืงื•ื ืฉืœ ื”ืžืชืจื’ื, ืืœื ื’ื—ืžื” ืฉืœ ื”ืžื—ื‘ืจื™ื. ื›ืฉืžืชืจื’ืžื™ื ืžืฉืชื™ ืืคืฉืจื•ื™ื•ืช - ืœืชืช ืœืงื•ืจืื™ื ื˜ืงืกื˜ ืงืจื•ื‘ ื™ื•ืชืจ ืœืžืงื•ืจ, ืื• ืžืขื ื™ื™ืŸ ื™ื•ืชืจ, ื‘ื—ืจืชื™ ืœืคืขืžื™ื ื‘ืจืืฉื•ืŸ, ื•ืœืคืขืžื™ื ื‘ืฉื ื™. ืื‘ืœ ื”ื™ื• ืกื‘ืœื ื™ื™ื, ืงื•ืจืื™ื ื™ืงืจื™ื, ืชื•ื›ืŸ ื”ื“ื•ื— ืฉื•ื•ื” ืืช ื–ื”.

ื›ืžื” ืงื˜ืขื™ื ืœื ื—ืฉื•ื‘ื™ื ื•ืžื™ื•ืชืจื™ื ืœืกื™ืคื•ืจ ื”ื•ืกืจื•, ืื—ืจืช ื”ืจื•ื‘ ืœื ื”ื™ื” ืžืฆืœื™ื— ืœืขื‘ื•ืจ ืขืœ ื”ื˜ืงืกื˜ ื›ื•ืœื•. ืžื™ ืฉืžืขื•ื ื™ื™ืŸ ืœืงืจื•ื ืืช ื”ื“ื•ื— "ืœื ื—ืชื•ืš" ื™ื›ื•ืœ ืœืขืฉื•ืช ื–ืืช ื‘ืฉืคืช ื”ืžืงื•ืจ ืขืœ ื™ื“ื™ ืœื—ื™ืฆื” ืขืœ ื”ืงื™ืฉื•ืจ.

ืœืžืจื‘ื” ื”ืฆืขืจ, ืžื—ื‘ืจื™ื ืœื ืชืžื™ื“ ื–ื”ื™ืจื™ื ื‘ื˜ืจืžื™ื ื•ืœื•ื’ื™ื”. ืœืคื™ื›ืš, ืกื™ืกืžืื•ืช ื—ื“ ืคืขืžื™ื•ืช (One Time Password - OTP) ื ืงืจืื•ืช ืœืคืขืžื™ื "ืกื™ืกืžืื•ืช", ื•ืœืคืขืžื™ื "ืงื•ื“ื™ื". ื–ื” ืืคื™ืœื• ื™ื•ืชืจ ื’ืจื•ืข ืขื ืฉื™ื˜ื•ืช ืื™ืžื•ืช. ืœื ืชืžื™ื“ ืงืœ ืœืงื•ืจื ื—ืกืจ ื”ื›ืฉืจื” ืœื ื—ืฉ ืฉ"ืื™ืžื•ืช ื‘ืืžืฆืขื•ืช ืžืคืชื—ื•ืช ืงืจื™ืคื˜ื•ื’ืจืคื™ื™ื" ื•"ืื™ืžื•ืช ื—ื–ืง" ื”ื ืื•ืชื• ื“ื‘ืจ. ื”ืฉืชื“ืœืชื™ ืœืื—ื“ ืืช ื”ืžื•ื ื—ื™ื ื›ื›ืœ ื”ืืคืฉืจ, ื•ื‘ื“ื•"ื— ืขืฆืžื• ื™ืฉ ืงื˜ืข ืขื ืชื™ืื•ืจื.

ืขื ื–ืืช, ื”ื“ื•ื— ืžื•ืžืœืฅ ืžืื•ื“ ืœืงืจื™ืื” ืžื›ื™ื•ื•ืŸ ืฉื”ื•ื ืžื›ื™ืœ ืชื•ืฆืื•ืช ืžื—ืงืจ ื™ื™ื—ื•ื“ื™ื•ืช ื•ืžืกืงื ื•ืช ื ื›ื•ื ื•ืช.

ื›ืœ ื”ื ืชื•ื ื™ื ื•ื”ืขื•ื‘ื“ื•ืช ืžื•ืฆื’ื™ื ืœืœื ื›ืœ ืฉื™ื ื•ื™, ื•ืื ืื™ื ืš ืžืกื›ื™ื ืื™ืชื, ืื– ืขื“ื™ืฃ ืœื”ืชื•ื•ื›ื— ืœื ืขื ื”ืžืชืจื’ื, ืืœื ืขื ืžื—ื‘ืจื™ ื”ื“ื•"ื—. ื•ื”ื ื” ื”ื”ืขืจื•ืช ืฉืœื™ (ืžื•ื‘ืื•ืช ื›ืฆื™ื˜ื•ื˜ื™ื, ื•ืžืกื•ืžื ื•ืช ื‘ื˜ืงืกื˜ ืึดื™ื˜ึทืœึฐืงึดื™ืช) ื”ื ื”ืฉื™ืคื•ื˜ ื”ืขืจื›ื™ ืฉืœื™ ื•ืืฉืžื— ืœื”ืชื•ื•ื›ื— ืขืœ ื›ืœ ืื—ื“ ืžื”ื (ื›ืžื• ื’ื ืขืœ ืื™ื›ื•ืช ื”ืชืจื’ื•ื).

ืกืงื™ืจื”

ื›ื™ื•ื, ืขืจื•ืฆื™ ืชืงืฉื•ืจืช ื“ื™ื’ื™ื˜ืœื™ื™ื ืขื ืœืงื•ื—ื•ืช ื—ืฉื•ื‘ื™ื ืžืชืžื™ื“ ืœืขืกืงื™ื. ื•ื‘ืชื•ืš ื”ื—ื‘ืจื”, ื”ืชืงืฉื•ืจืช ื‘ื™ืŸ ื”ืขื•ื‘ื“ื™ื ืžื›ื•ื•ื ืช ื“ื™ื’ื™ื˜ืœื™ืช ื™ื•ืชืจ ืžืื™ ืคืขื. ื•ืขื“ ื›ืžื” ืื™ื ื˜ืจืืงืฆื™ื•ืช ืืœื• ื™ื”ื™ื• ื‘ื˜ื•ื—ื•ืช ืชืœื•ื™ ื‘ืฉื™ื˜ื” ื”ื ื‘ื—ืจืช ืฉืœ ืื™ืžื•ืช ื”ืžืฉืชืžืฉ. ืชื•ืงืคื™ื ืžืฉืชืžืฉื™ื ื‘ืื™ืžื•ืช ื—ืœืฉ ื›ื“ื™ ืœืคืจื•ืฅ ื‘ืื•ืคืŸ ืžืกื™ื‘ื™ ืœื—ืฉื‘ื•ื ื•ืช ืžืฉืชืžืฉ. ื‘ืชื’ื•ื‘ื”, ื”ืจื’ื•ืœื˜ื•ืจื™ื ืžื—ืžื™ืจื™ื ืืช ื”ืชืงื ื™ื ื›ื“ื™ ืœืืœืฅ ืขืกืงื™ื ืœื”ื’ืŸ ื˜ื•ื‘ ื™ื•ืชืจ ืขืœ ื—ืฉื‘ื•ื ื•ืช ืžืฉืชืžืฉื™ื ื•ื ืชื•ื ื™ื.

ืื™ื•ืžื™ื ื”ืงืฉื•ืจื™ื ืœืื™ืžื•ืช ืžืชืจื—ื‘ื™ื ืžืขื‘ืจ ืœื™ื™ืฉื•ืžื™ื ืฉืœ ืฆืจื›ื ื™ื; ืชื•ืงืคื™ื ื™ื›ื•ืœื™ื ื’ื ืœืงื‘ืœ ื’ื™ืฉื” ืœื™ื™ืฉื•ืžื™ื ื”ืคื•ืขืœื™ื ื‘ืชื•ืš ื”ืืจื’ื•ืŸ. ืคืขื•ืœื” ื–ื• ืžืืคืฉืจืช ืœื”ื ืœื”ืชื—ื–ื•ืช ืœืžืฉืชืžืฉื™ื ืืจื’ื•ื ื™ื™ื. ืชื•ืงืคื™ื ื”ืžืฉืชืžืฉื™ื ื‘ื ืงื•ื“ื•ืช ื’ื™ืฉื” ืขื ืื™ืžื•ืช ื—ืœืฉ ื™ื›ื•ืœื™ื ืœื’ื ื•ื‘ ื ืชื•ื ื™ื ื•ืœื‘ืฆืข ืคืขื•ืœื•ืช ื”ื•ื ืื” ืื—ืจื•ืช. ืœืžืจื‘ื” ื”ืžื–ืœ, ื™ืฉื ื ืืžืฆืขื™ื ืœื”ื™ืœื—ื ื‘ื–ื”. ืื™ืžื•ืช ื—ื–ืง ื™ืขื–ื•ืจ ืœื”ืคื—ื™ืช ื‘ืื•ืคืŸ ืžืฉืžืขื•ืชื™ ืืช ื”ืกื™ื›ื•ืŸ ืœื”ืชืงืคื” ืขืœ ื™ื“ื™ ืชื•ืงืฃ, ื”ืŸ ืขืœ ื™ื™ืฉื•ืžื™ ืฆืจื›ื ื™ื ื•ื”ืŸ ืขืœ ืžืขืจื›ื•ืช ืขืกืงื™ื•ืช ืืจื’ื•ื ื™ื•ืช.

ืžื—ืงืจ ื–ื” ื‘ื•ื—ืŸ: ื›ื™ืฆื“ ืืจื’ื•ื ื™ื ืžื™ื™ืฉืžื™ื ืื™ืžื•ืช ื›ื“ื™ ืœื”ื’ืŸ ืขืœ ื™ื™ืฉื•ืžื™ ืžืฉืชืžืฉ ืงืฆื” ื•ืžืขืจื›ื•ืช ืขืกืงื™ื•ืช ืืจื’ื•ื ื™ื•ืช; ื’ื•ืจืžื™ื ืฉื”ื ืœื•ืงื—ื™ื ื‘ื—ืฉื‘ื•ืŸ ื‘ืขืช โ€‹โ€‹ื‘ื—ื™ืจืช ืคืชืจื•ืŸ ืื™ืžื•ืช; ื”ืชืคืงื™ื“ ืฉืžืžืœื ืื™ืžื•ืช ื—ื–ืง ื‘ืืจื’ื•ื ื™ื ืฉืœื”ื; ื”ื”ื˜ื‘ื•ืช ืฉื”ืืจื’ื•ื ื™ื ื”ืœืœื• ืžืงื‘ืœื™ื.

ืชืงืฆื™ืจ

ืžืžืฆืื™ื ืขื™ืงืจื™ื™ื

ืžืื– 2017, ื”ืฉื™ืžื•ืฉ ื‘ืื™ืžื•ืช ื—ื–ืง ื’ื“ืœ ื‘ื—ื“ื•ืช. ืขื ื”ืžืกืคืจ ื”ื”ื•ืœืš ื•ื’ื“ืœ ืฉืœ ื ืงื•ื“ื•ืช ืชื•ืจืคื” ื”ืžืฉืคื™ืขื•ืช ืขืœ ืคืชืจื•ื ื•ืช ืื™ืžื•ืช ืžืกื•ืจืชื™ื™ื, ืืจื’ื•ื ื™ื ืžื—ื–ืงื™ื ืืช ื™ื›ื•ืœื•ืช ื”ืื™ืžื•ืช ืฉืœื”ื ืขื ืื™ืžื•ืช ื—ื–ืง. ืžืกืคืจ ื”ืืจื’ื•ื ื™ื ื”ืžืฉืชืžืฉื™ื ื‘ืื™ืžื•ืช ืจื‘-ื’ื•ืจืžื™ ืงืจื™ืคื˜ื•ื’ืจืคื™ (MFA) ื’ื“ืœ ืคื™ ืฉืœื•ืฉื” ืžืื– 2017 ืขื‘ื•ืจ ื™ื™ืฉื•ืžื™ ืฆืจื›ื ื™ื ื•ื’ื“ืœ ื‘ื›ืžืขื˜ 50% ืขื‘ื•ืจ ื™ื™ืฉื•ืžื™ื ืืจื’ื•ื ื™ื™ื. ื”ืฆืžื™ื—ื” ื”ืžื”ื™ืจื” ื‘ื™ื•ืชืจ ื ื™ื›ืจืช ื‘ืื™ืžื•ืช ื ื™ื™ื“ ืขืงื‘ ื”ื–ืžื™ื ื•ืช ื”ื’ื•ื‘ืจืช ืฉืœ ืื™ืžื•ืช ื‘ื™ื•ืžื˜ืจื™.

ื›ืืŸ ืื ื• ืจื•ืื™ื ื”ืžื—ืฉื” ืฉืœ ื”ืืžืจื” "ืขื“ ืฉืœื ื™ืคื’ืข ื”ืจืขื, ืื“ื ืœื ื™ืฆืœื‘ ืืช ืขืฆืžื•". ื›ืืฉืจ ืžื•ืžื—ื™ื ื”ื–ื”ื™ืจื• ืžืคื ื™ ื—ื•ืกืจ ื”ืื‘ื˜ื—ื” ืฉืœ ืกื™ืกืžืื•ืช, ืื™ืฉ ืœื ืžื™ื”ืจ ืœื™ื™ืฉื ืื™ืžื•ืช ื“ื•-ื’ื•ืจืžื™. ื‘ืจื’ืข ืฉื”ืืงืจื™ื ื”ื—ืœื• ืœื’ื ื•ื‘ ืกื™ืกืžืื•ืช, ืื ืฉื™ื ื”ื—ืœื• ืœื™ื™ืฉื ืื™ืžื•ืช ื“ื•-ื’ื•ืจืžื™.

ื ื›ื•ืŸ, ืื ืฉื™ื ืžื™ื™ืฉืžื™ื ื”ืจื‘ื” ื™ื•ืชืจ ืืช 2FA ื‘ืื•ืคืŸ ืคืขื™ืœ. ืจืืฉื™ืช, ืงืœ ืœื”ื ื™ื•ืชืจ ืœื”ืจื’ื™ืข ืืช ื”ืคื—ื“ื™ื ืฉืœื”ื ืขืœ ื™ื“ื™ ื”ืกืชืžื›ื•ืช ืขืœ ื”ืื™ืžื•ืช ื”ื‘ื™ื•ืžื˜ืจื™ ื”ืžื•ื‘ื ื” ื‘ืกืžืืจื˜ืคื•ื ื™ื, ืฉื”ื•ื ืœืžืขืฉื” ืžืื•ื“ ืœื ืืžื™ืŸ. ืืจื’ื•ื ื™ื ืฆืจื™ื›ื™ื ืœื”ื•ืฆื™ื ื›ืกืฃ ืขืœ ืจื›ื™ืฉืช ืืกื™ืžื•ื ื™ื ื•ืœื‘ืฆืข ืขื‘ื•ื“ื” (ืœืžืขืฉื”, ืคืฉื•ื˜ื” ืžืื•ื“) ื›ื“ื™ ืœื™ื™ืฉื ืื•ืชื. ื•ืฉื ื™ืช, ืจืง ืขืฆืœื ื™ื ืœื ื›ืชื‘ื• ืขืœ ื“ืœื™ืคื•ืช ืกื™ืกืžืื•ืช ืžืฉื™ืจื•ืชื™ื ื›ืžื• ืคื™ื™ืกื‘ื•ืง ื•ื“ืจื•ืคื‘ื•ืงืก, ืื‘ืœ ื‘ืฉื•ื ืคื ื™ื ื•ืื•ืคืŸ ืœื ื™ืฉืชืคื• ืžื ื”ืœื™ ื”-CIO ืฉืœ ื”ืืจื’ื•ื ื™ื ื”ืืœื” ืกื™ืคื•ืจื™ื ืขืœ ืื™ืš ื ื’ื ื‘ื• ืกื™ืกืžืื•ืช (ื•ืžื” ืงืจื” ืื—ืจ ื›ืš) ื‘ืืจื’ื•ื ื™ื.

ืืœื” ืฉืื™ื ื ืžืฉืชืžืฉื™ื ื‘ืื™ืžื•ืช ื—ื–ืง ืžื–ืœื–ืœื™ื ื‘ืกื™ื›ื•ืŸ ืฉืœื”ื ืœืขืกืง ื•ืœืœืงื•ื—ื•ืช ืฉืœื”ื. ืืจื’ื•ื ื™ื ืžืกื•ื™ืžื™ื ืฉืื™ื ื ืžืฉืชืžืฉื™ื ื›ื™ื•ื ื‘ืื™ืžื•ืช ื—ื–ืง ื ื•ื˜ื™ื ืœืจืื•ืช ื‘ื›ื ื™ืกื•ืช ื•ื‘ืกื™ืกืžืื•ืช ืืช ืื—ืช ื”ืฉื™ื˜ื•ืช ื”ื™ืขื™ืœื•ืช ื•ื”ืงืœื•ืช ื‘ื™ื•ืชืจ ืœืื™ืžื•ืช ืžืฉืชืžืฉื™ื. ืื—ืจื™ื ืœื ืจื•ืื™ื ืืช ื”ืขืจืš ืฉืœ ื”ื ื›ืกื™ื ื”ื“ื™ื’ื™ื˜ืœื™ื™ื ืฉื‘ื‘ืขืœื•ืชื. ืื—ืจื™ ื”ื›ืœ, ื›ื“ืื™ ืœืงื—ืช ื‘ื—ืฉื‘ื•ืŸ ืฉืคื•ืฉืขื™ ืจืฉืช ืžืชืขื ื™ื™ื ื™ื ื‘ื›ืœ ืžื™ื“ืข ืฆืจื›ื ื™ ื•ืขืกืงื™. ืฉื ื™ ืฉืœื™ืฉื™ื ืžื”ื—ื‘ืจื•ืช ืฉืžืฉืชืžืฉื•ืช ืจืง ื‘ืกื™ืกืžืื•ืช ื›ื“ื™ ืœืืžืช ืืช ื”ืขื•ื‘ื“ื™ื ืฉืœื”ืŸ ืขื•ืฉื•ืช ื–ืืช ืžืฉื•ื ืฉื”ืŸ ืžืืžื™ื ื•ืช ืฉื”ืกื™ืกืžืื•ืช ืžืกืคื™ืง ื˜ื•ื‘ื•ืช ืœืกื•ื’ ื”ืžื™ื“ืข ืฉืขืœื™ื• ื”ื ืžื’ื™ื ื™ื.

ืขื ื–ืืช, ืกื™ืกืžืื•ืช ื‘ื“ืจืš ืœืงื‘ืจ. ื”ืชืœื•ืช ื‘ืกื™ืกืžืื•ืช ื™ืจื“ื” ืžืฉืžืขื•ืชื™ืช ื‘ืžื”ืœืš ื”ืฉื ื” ื”ืื—ืจื•ื ื” ื”ืŸ ืขื‘ื•ืจ ื™ื™ืฉื•ืžื™ื ืฆืจื›ื ื™ื™ื ื•ื”ืŸ ืขื‘ื•ืจ ื™ื™ืฉื•ืžื™ื ืืจื’ื•ื ื™ื™ื (ืž-44% ืœ-31% ื•ืž-56% ืœ-47%, ื‘ื”ืชืืžื”), ื›ืืฉืจ ืืจื’ื•ื ื™ื ืžื’ื‘ื™ืจื™ื ืืช ื”ืฉื™ืžื•ืฉ ืฉืœื”ื ื‘-MFA ืžืกื•ืจืชื™ ื•ื‘ืื™ืžื•ืช ื—ื–ืง.
ืื‘ืœ ืื ื ืกืชื›ืœ ืขืœ ื”ืžืฆื‘ ื‘ื›ืœืœื•ืชื•, ืฉื™ื˜ื•ืช ืื™ืžื•ืช ืคื’ื™ืขื•ืช ืขื“ื™ื™ืŸ ืžื ืฆื—ื•ืช. ืœืฆื•ืจืš ืื™ืžื•ืช ืžืฉืชืžืฉื™ื, ื›ืจื‘ืข ืžื”ืืจื’ื•ื ื™ื ืžืฉืชืžืฉื™ื ื‘-SMS OTP (ืกื™ืกืžื” ื—ื“ ืคืขืžื™ืช) ื™ื—ื“ ืขื ืฉืืœื•ืช ืื‘ื˜ื—ื”. ื›ืชื•ืฆืื” ืžื›ืš, ื™ืฉ ืœื™ื™ืฉื ืืžืฆืขื™ ืื‘ื˜ื—ื” ื ื•ืกืคื™ื ื›ื“ื™ ืœื”ื’ืŸ ืžืคื ื™ ื”ืคื’ื™ืขื•ืช, ืžื” ืฉืžื’ื“ื™ืœ ืืช ื”ืขืœื•ื™ื•ืช. ื”ืฉื™ืžื•ืฉ ื‘ืฉื™ื˜ื•ืช ืื™ืžื•ืช ื”ืจื‘ื” ื™ื•ืชืจ ืžืื•ื‘ื˜ื—ื•ืช, ื›ื’ื•ืŸ ืžืคืชื—ื•ืช ื”ืฆืคื ื” ืฉืœ ื—ื•ืžืจื”, ื ืžืฆื ื‘ืฉื™ืžื•ืฉ ื”ืจื‘ื” ืคื—ื•ืช, ื‘ื›-5% ืžื”ืืจื’ื•ื ื™ื.

ื”ืกื‘ื™ื‘ื” ื”ืจื’ื•ืœื˜ื•ืจื™ืช ื”ืžืชืคืชื—ืช ืžื‘ื˜ื™ื—ื” ืœื”ืื™ืฅ ืืช ื”ืื™ืžื•ืฅ ืฉืœ ืื™ืžื•ืช ื—ื–ืง ืขื‘ื•ืจ ื™ื™ืฉื•ืžื™ ืฆืจื›ื ื™ื. ืขื ื”ืฆื’ืช PSD2, ื›ืžื• ื’ื ื›ืœืœื™ ื”ื’ื ืช ืžื™ื“ืข ื—ื“ืฉื™ื ื‘ืื™ื—ื•ื“ ื”ืื™ืจื•ืคื™ ื•ื‘ื›ืžื” ืžื“ื™ื ื•ืช ื‘ืืจื”"ื‘ ื›ืžื• ืงืœื™ืคื•ืจื ื™ื”, ื—ื‘ืจื•ืช ืžืจื’ื™ืฉื•ืช ืืช ื”ื—ื•ื. ื›ืžืขื˜ 70% ืžื”ื—ื‘ืจื•ืช ืžืกื›ื™ืžื•ืช ืฉื”ืŸ ืžืชืžื•ื“ื“ื•ืช ืขื ืœื—ืฅ ืจื’ื•ืœื˜ื•ืจื™ ื—ื–ืง ืœืกืคืง ืื™ืžื•ืช ื—ื–ืง ืœืœืงื•ื—ื•ืชื™ื”ืŸ. ื™ื•ืชืจ ืžืžื—ืฆื™ืช ืžื”ืžืคืขืœื™ื ืžืืžื™ื ื™ื ืฉืชื•ืš ืฉื ื™ื ืกืคื•ืจื•ืช ืฉื™ื˜ื•ืช ื”ืื™ืžื•ืช ืฉืœื”ื ืœื ื™ืกืคื™ืงื• ืœืขืžื•ื“ ื‘ืกื˜ื ื“ืจื˜ื™ื ื”ืจื’ื•ืœื˜ื•ืจื™ื™ื.

ื”ื”ื‘ื“ืœ ื‘ื™ืŸ ื”ื’ื™ืฉื•ืช ืฉืœ ื”ืžื—ื•ืงืงื™ื ื”ืจื•ืกื™ื ื•ื”ืืžืจื™ืงืื™ื-ืื™ืจื•ืคื™ื™ื ืœื”ื’ื ื” ืขืœ ื ืชื•ื ื™ื ืื™ืฉื™ื™ื ืฉืœ ืžืฉืชืžืฉื™ ืชื•ื›ื ื™ื•ืช ื•ืฉื™ืจื•ืชื™ื ื ื™ื›ืจ ื‘ื‘ื™ืจื•ืจ. ื”ืจื•ืกื™ื ืื•ืžืจื™ื: ื‘ืขืœื™ ืฉื™ืจื•ืช ื™ืงืจื™ื, ืชืขืฉื• ืžื” ืฉืืชื ืจื•ืฆื™ื ื•ืื™ืš ืฉืืชื ืจื•ืฆื™ื, ืื‘ืœ ืื ื”ืžื ื”ืœ ืฉืœื›ื ื™ืžื–ื’ ืืช ืžืกื“ ื”ื ืชื•ื ื™ื, ืื ื—ื ื• ื ืขื ื™ืฉ ืืชื›ื. ืื•ืžืจื™ื ื‘ื—ื•"ืœ: ืืชื” ื—ื™ื™ื‘ ืœื™ื™ืฉื ืžืขืจื›ืช ืฉืœ ืืžืฆืขื™ื ืฉ ืœื ื™ืืคืฉืจ ืœื ืงื– ืืช ื”ื‘ืกื™ืก. ืœื›ืŸ ืžื™ื•ืฉืžื•ืช ืฉื ื“ืจื™ืฉื•ืช ืœืื™ืžื•ืช ื“ื•-ื’ื•ืจืžื™ ืงืคื“ื ื™ืช.
ื ื›ื•ืŸ, ื–ื” ืจื—ื•ืง ืžืœื”ื™ื•ืช ืขื•ื‘ื“ื” ืฉืžื›ื•ื ื” ื”ื—ืงื™ืงื” ืฉืœื ื• ื™ื•ื ืื—ื“ ืœื ืชืชืขืฉืช ื•ืชื‘ื™ื ื‘ื—ืฉื‘ื•ืŸ ืืช ื”ื ื™ืกื™ื•ืŸ ื”ืžืขืจื‘ื™. ื•ืื– ืžืชื‘ืจืจ ืฉื›ื•ืœื ืฆืจื™ื›ื™ื ืœื™ื™ืฉื ืืช 2FA, ืฉืชื•ืื ืืช ืชืงื ื™ ื”ื”ืฆืคื ื” ื”ืจื•ืกื™ื™ื, ื•ื‘ื“ื—ื™ืคื•ืช.

ื”ืงืžืช ืžืกื’ืจืช ืื™ืžื•ืช ื—ื–ืงื” ืžืืคืฉืจืช ืœื—ื‘ืจื•ืช ืœื”ืขื‘ื™ืจ ืืช ื”ืžื™ืงื•ื“ ืฉืœื”ืŸ ืžืขืžื™ื“ื” ื‘ื“ืจื™ืฉื•ืช ื”ืจื’ื•ืœื˜ื•ืจื™ื•ืช ืœืขืžื™ื“ื” ื‘ืฆืจื›ื™ ื”ืœืงื•ื—ื•ืช. ืขื‘ื•ืจ ืื•ืชื ืืจื’ื•ื ื™ื ืฉืขื“ื™ื™ืŸ ืžืฉืชืžืฉื™ื ื‘ืกื™ืกืžืื•ืช ืคืฉื•ื˜ื•ืช ืื• ืžืงื‘ืœื™ื ืงื•ื“ื™ื ื‘ืืžืฆืขื•ืช SMS, ื”ื’ื•ืจื ื”ื—ืฉื•ื‘ ื‘ื™ื•ืชืจ ื‘ื‘ื—ื™ืจืช ืฉื™ื˜ืช ืื™ืžื•ืช ื™ื”ื™ื” ืขืžื™ื“ื” ื‘ื“ืจื™ืฉื•ืช ื”ืจื’ื•ืœื˜ื•ืจื™ื•ืช. ืื‘ืœ ืื•ืชืŸ ื—ื‘ืจื•ืช ืฉื›ื‘ืจ ืžืฉืชืžืฉื•ืช ื‘ืื™ืžื•ืช ื—ื–ืง ื™ื›ื•ืœื•ืช ืœื”ืชืžืงื“ ื‘ื‘ื—ื™ืจืช ืฉื™ื˜ื•ืช ื”ืื™ืžื•ืช ืฉืžื’ื‘ื™ืจื•ืช ืืช ื ืืžื ื•ืช ื”ืœืงื•ื—ื•ืช.

ื›ืืฉืจ ื‘ื•ื—ืจื™ื ื‘ืฉื™ื˜ืช ืื™ืžื•ืช ืืจื’ื•ื ื™ ื‘ืชื•ืš ืืจื’ื•ืŸ, ื“ืจื™ืฉื•ืช ืจื’ื•ืœื˜ื•ืจื™ื•ืช ื›ื‘ืจ ืœื ืžื”ื•ื•ืช ื’ื•ืจื ืžืฉืžืขื•ืชื™. ื‘ืžืงืจื” ื–ื”, ืงืœื•ืช ื”ืื™ื ื˜ื’ืจืฆื™ื” (32%) ื•ื”ืขืœื•ืช (26%) ื—ืฉื•ื‘ื•ืช ื”ืจื‘ื” ื™ื•ืชืจ.

ื‘ืขื™ื“ืŸ ืฉืœ ืคื™ืฉื™ื ื’, ืชื•ืงืคื™ื ื™ื›ื•ืœื™ื ืœื”ืฉืชืžืฉ ื‘ื“ื•ื"ืœ ืืจื’ื•ื ื™ ื›ื“ื™ ืœื”ื•ื ืื” ืœื”ืฉื™ื’ ื‘ืžืจืžื” ื’ื™ืฉื” ืœื ืชื•ื ื™ื, ื—ืฉื‘ื•ื ื•ืช (ืขื ื–ื›ื•ื™ื•ืช ื’ื™ืฉื” ืžืชืื™ืžื•ืช), ื•ืืคื™ืœื• ืœืฉื›ื ืข ืขื•ื‘ื“ื™ื ืœื‘ืฆืข ื”ืขื‘ืจื” ื›ืกืคื™ืช ืœื—ืฉื‘ื•ื ื•. ืœื›ืŸ, ื—ืฉื‘ื•ื ื•ืช ื“ื•ื"ืœ ื•ืคื•ืจื˜ืœ ืืจื’ื•ื ื™ื™ื ื—ื™ื™ื‘ื™ื ืœื”ื™ื•ืช ืžื•ื’ื ื™ื ื‘ืžื™ื•ื—ื“.

ื’ื•ื’ืœ ื—ื™ื–ืงื” ืืช ื”ืื‘ื˜ื—ื” ืฉืœื” ืขืœ ื™ื“ื™ ื”ื˜ืžืขืช ืื™ืžื•ืช ื—ื–ืง. ืœืคื ื™ ื™ื•ืชืจ ืžืฉื ืชื™ื™ื ืคืจืกืžื” ื’ื•ื’ืœ ื“ื•ื— ืขืœ ื”ื˜ืžืขืช ืื™ืžื•ืช ื“ื•-ื’ื•ืจืžื™ ื”ืžื‘ื•ืกืก ืขืœ ืžืคืชื—ื•ืช ืื‘ื˜ื—ื” ืงืจื™ืคื˜ื•ื’ืจืคื™ื™ื ื‘ืืžืฆืขื•ืช ืชืงืŸ FIDO U2F, ื•ื“ื™ื•ื•ื—ื” ืขืœ ืชื•ืฆืื•ืช ืžืจืฉื™ืžื•ืช. ืœื˜ืขื ืช ื”ื—ื‘ืจื”, ืืฃ ืžืชืงืคืช ืคื™ืฉื™ื ื’ ืœื ื‘ื•ืฆืขื” ื ื’ื“ ื™ื•ืชืจ ืž-85 ืขื•ื‘ื“ื™ื.

ื”ืžืœืฆื•ืช

ื”ื˜ืžืขืช ืื™ืžื•ืช ื—ื–ืง ืขื‘ื•ืจ ื™ื™ืฉื•ืžื™ื ื ื™ื™ื“ื™ื ื•ืžืงื•ื•ื ื™ื. ืื™ืžื•ืช ืจื‘-ื’ื•ืจืžื™ ื”ืžื‘ื•ืกืก ืขืœ ืžืคืชื—ื•ืช ืงืจื™ืคื˜ื•ื’ืจืคื™ื™ื ืžืกืคืง ื”ื’ื ื” ื˜ื•ื‘ื” ื‘ื”ืจื‘ื” ืžืคื ื™ ืคืจื™ืฆื” ืžืืฉืจ ืฉื™ื˜ื•ืช MFA ืžืกื•ืจืชื™ื•ืช. ื‘ื ื•ืกืฃ, ื”ืฉื™ืžื•ืฉ ื‘ืžืคืชื—ื•ืช ื”ืฆืคื ื” ื”ืจื‘ื” ื™ื•ืชืจ ื ื•ื— ืžื›ื™ื•ื•ืŸ ืฉืื™ืŸ ืฆื•ืจืš ืœื”ืฉืชืžืฉ ื•ืœื”ืขื‘ื™ืจ ืžื™ื“ืข ื ื•ืกืฃ - ืกื™ืกืžืื•ืช, ืกื™ืกืžืื•ืช ื—ื“ ืคืขืžื™ื•ืช ืื• ื ืชื•ื ื™ื ื‘ื™ื•ืžื˜ืจื™ื™ื ืžื”ืžื›ืฉื™ืจ ืฉืœ ื”ืžืฉืชืžืฉ ืœืฉืจืช ื”ืื™ืžื•ืช. ื‘ื ื•ืกืฃ, ืกื˜ื ื“ืจื˜ื™ื–ืฆื™ื” ืฉืœ ืคืจื•ื˜ื•ืงื•ืœื™ ืื™ืžื•ืช ืžืงืœื” ื‘ื”ืจื‘ื” ืขืœ ื”ื˜ืžืขืช ืฉื™ื˜ื•ืช ืื™ืžื•ืช ื—ื“ืฉื•ืช ื›ืืฉืจ ื”ืŸ ื”ื•ืคื›ื•ืช ืœื–ืžื™ื ื•ืช, ืžืคื—ื™ืชื” ืืช ืขืœื•ื™ื•ืช ื”ื”ื˜ืžืขื” ื•ื”ื’ื ื” ืžืคื ื™ ืชื•ื›ื ื™ื•ืช ื”ื•ื ืื” ืžืชื•ื—ื›ืžื•ืช ื™ื•ืชืจ.

ื”ื™ื›ื•ื ื• ืœื“ืขื™ื›ืช ืกื™ืกืžืื•ืช ื—ื“ ืคืขืžื™ื•ืช (OTP). ื”ืคื’ื™ืขื•ื™ื•ืช ื”ื’ืœื•ืžื•ืช ื‘-OTP ื”ื•ืคื›ื•ืช ื‘ืจื•ืจื•ืช ื™ื•ืชืจ ื•ื™ื•ืชืจ ื›ืืฉืจ ืคื•ืฉืขื™ ืกื™ื™ื‘ืจ ืžืฉืชืžืฉื™ื ื‘ื”ื ื“ืกื” ื—ื‘ืจืชื™ืช, ืฉื™ื‘ื•ื˜ ืกืžืืจื˜ืคื•ื ื™ื ื•ืชื•ื›ื ื•ืช ื–ื“ื•ื ื™ื•ืช ื›ื“ื™ ืœืกื›ืŸ ืืช ืืžืฆืขื™ ื”ืื™ืžื•ืช ื”ืœืœื•. ื•ืื ืœ-OTP ื‘ืžืงืจื™ื ืžืกื•ื™ืžื™ื ื™ืฉ ื™ืชืจื•ื ื•ืช ืžืกื•ื™ืžื™ื, ืื– ืจืง ืžื ืงื•ื“ืช ื”ืžื‘ื˜ ืฉืœ ื–ืžื™ื ื•ืช ืื•ื ื™ื‘ืจืกืœื™ืช ืœื›ืœ ื”ืžืฉืชืžืฉื™ื, ืื‘ืœ ืœื ืžื ืงื•ื“ืช ืžื‘ื˜ ืฉืœ ืื‘ื˜ื—ื”.

ืื™ ืืคืฉืจ ืฉืœื ืœืฉื™ื ืœื‘ ืฉืงื‘ืœืช ืงื•ื“ื™ื ื‘ืืžืฆืขื•ืช SMS ืื• ื”ื•ื“ืขื•ืช Push, ื›ืžื• ื’ื ื”ืคืงืช ืงื•ื“ื™ื ื‘ืืžืฆืขื•ืช ืชื•ื›ื ื•ืช ืœืกืžืืจื˜ืคื•ื ื™ื, ื”ื™ื ืฉื™ืžื•ืฉ ื‘ืื•ืชืŸ ืกื™ืกืžืื•ืช ื—ื“ ืคืขืžื™ื•ืช (OTP) ืฉืœื’ื‘ื™ื”ืŸ ืื ื• ืžืชื‘ืงืฉื™ื ืœื”ืชื›ื•ื ืŸ ืœื™ืจื™ื“ื”. ืžื‘ื—ื™ื ื” ื˜ื›ื ื™ืช ื”ืคืชืจื•ืŸ ื ื›ื•ืŸ ืžืื•ื“, ื›ื™ ืžื“ื•ื‘ืจ ื‘ืจืžืื™ ื ื“ื™ืจ ืฉืœื ืžื ืกื” ืœื‘ืจืจ ืืช ื”ืกื™ืกืžื” ื”ื—ื“-ืคืขืžื™ืช ืžืžืฉืชืžืฉ ืคืชื™. ืื‘ืœ ืื ื™ ื—ื•ืฉื‘ ืฉื™ืฆืจื ื™ื ืฉืœ ืžืขืจื›ื•ืช ื›ืืœื” ื™ื™ืฆืžื“ื• ืœื˜ื›ื ื•ืœื•ื’ื™ื” ื”ื’ื•ืกืกืช ืขื“ ื”ืกื•ืฃ.

ื”ืฉืชืžืฉ ื‘ืื™ืžื•ืช ื—ื–ืง ื›ื›ืœื™ ืฉื™ื•ื•ืงื™ ืœื”ื’ื‘ืจืช ืืžื•ืŸ ื”ืœืงื•ื—ื•ืช. ืื™ืžื•ืช ื—ื–ืง ื™ื›ื•ืœ ืœืขืฉื•ืช ื™ื•ืชืจ ืžืืฉืจ ืจืง ืœืฉืคืจ ืืช ื”ืื‘ื˜ื—ื” ื‘ืคื•ืขืœ ืฉืœ ื”ืขืกืง ืฉืœืš. ื™ื™ื“ื•ืข ืœืงื•ื—ื•ืช ืฉื”ืขืกืง ืฉืœืš ืžืฉืชืžืฉ ื‘ืื™ืžื•ืช ื—ื–ืง ื™ื›ื•ืœ ืœื—ื–ืง ืืช ื”ืชืคื™ืกื” ื”ืฆื™ื‘ื•ืจื™ืช ืœื’ื‘ื™ ื”ืื‘ื˜ื—ื” ืฉืœ ืื•ืชื• ืขืกืง - ื’ื•ืจื ื—ืฉื•ื‘ ื›ืืฉืจ ื™ืฉ ื“ืจื™ืฉื” ืžืฉืžืขื•ืชื™ืช ืฉืœ ืœืงื•ื—ื•ืช ืœืฉื™ื˜ื•ืช ืื™ืžื•ืช ื—ื–ืงื•ืช.

ื‘ืฆืขื• ื‘ื“ื™ืงืช ืžืœืื™ ื•ื”ืขืจื›ืช ืงืจื™ื˜ื™ื•ืช ื™ืกื•ื“ื™ืช ืฉืœ ื”ื ืชื•ื ื™ื ื”ืืจื’ื•ื ื™ื™ื ื•ื”ื’ืŸ ืขืœื™ื”ื ื‘ื”ืชืื ืœื—ืฉื™ื‘ื•ืชื. ืืคื™ืœื• ื ืชื•ื ื™ื ื‘ืกื™ื›ื•ืŸ ื ืžื•ืš ื›ื’ื•ืŸ ืคืจื˜ื™ ืงืฉืจ ืฉืœ ืœืงื•ื—ื•ืช (ืœื, ื‘ืืžืช, ื”ื“ื•ื— ืื•ืžืจ "ืกื™ื›ื•ืŸ ื ืžื•ืš", ื–ื” ืžืื•ื“ ืžื•ื–ืจ ืฉื”ื ืžื–ืœื–ืœื™ื ื‘ื—ืฉื™ื‘ื•ืช ื”ืžื™ื“ืข ื”ื–ื”), ื™ื›ื•ืœ ืœื”ื‘ื™ื ืขืจืš ืžืฉืžืขื•ืชื™ ืœืจืžืื™ื ื•ืœื’ืจื•ื ืœื‘ืขื™ื•ืช ืœื—ื‘ืจื”.

ื”ืฉืชืžืฉ ื‘ืื™ืžื•ืช ืืจื’ื•ื ื™ ื—ื–ืง. ืžืกืคืจ ืžืขืจื›ื•ืช ื”ืŸ ื”ืžื˜ืจื•ืช ื”ืื˜ืจืงื˜ื™ื‘ื™ื•ืช ื‘ื™ื•ืชืจ ืขื‘ื•ืจ ืคื•ืฉืขื™ื. ืืœื” ื›ื•ืœืœื™ื ืžืขืจื›ื•ืช ืคื ื™ืžื™ื•ืช ื•ืžืงื•ืฉืจื•ืช ืœืื™ื ื˜ืจื ื˜ ื›ื’ื•ืŸ ืชื•ื›ื ื™ืช ื”ื ื”ืœืช ื—ืฉื‘ื•ื ื•ืช ืื• ืžื—ืกืŸ ื ืชื•ื ื™ื ืืจื’ื•ื ื™. ืื™ืžื•ืช ื—ื–ืง ืžื•ื ืข ืžื”ืชื•ืงืคื™ื ืœืงื‘ืœ ื’ื™ืฉื” ืœื ืžื•ืจืฉื™ืช, ื•ื’ื ืžืืคืฉืจ ืœืงื‘ื•ืข ื‘ืžื“ื•ื™ืง ืื™ื–ื” ืขื•ื‘ื“ ื‘ื™ืฆืข ืืช ื”ืคืขื™ืœื•ืช ื”ื–ื“ื•ื ื™ืช.

ืžื”ื• ืื™ืžื•ืช ื—ื–ืง?

ื‘ืขืช ืฉื™ืžื•ืฉ ื‘ืื™ืžื•ืช ื—ื–ืง, ื ืขืฉื” ืฉื™ืžื•ืฉ ื‘ืžืกืคืจ ืฉื™ื˜ื•ืช ืื• ื’ื•ืจืžื™ื ืœืื™ืžื•ืช ื”ืื•ืชื ื˜ื™ื•ืช ืฉืœ ื”ืžืฉืชืžืฉ:

  • ื’ื•ืจื ื™ื“ืข: ืกื•ื“ ืžืฉื•ืชืฃ ื‘ื™ืŸ ื”ืžืฉืชืžืฉ ืœื ื•ืฉื ื”ืžืื•ืžืช ืฉืœ ื”ืžืฉืชืžืฉ (ื›ื’ื•ืŸ ืกื™ืกืžืื•ืช, ืชืฉื•ื‘ื•ืช ืœืฉืืœื•ืช ืื‘ื˜ื—ื” ื•ื›ื•')
  • ื’ื•ืจื ื‘ืขืœื•ืช: ืžื›ืฉื™ืจ ืฉื™ืฉ ืจืง ืœืžืฉืชืžืฉ (ืœื“ื•ื’ืžื”, ืžื›ืฉื™ืจ ื ื™ื™ื“, ืžืคืชื— ืงืจื™ืคื˜ื•ื’ืจืคื™ ื•ื›ื•')
  • ื’ื•ืจื ื™ื•ืฉืจื”: ืžืืคื™ื™ื ื™ื ืคื™ื–ื™ื™ื (ืœืขืชื™ื ืงืจื•ื‘ื•ืช ื‘ื™ื•ืžื˜ืจื™ื™ื) ืฉืœ ื”ืžืฉืชืžืฉ (ืœื“ื•ื’ืžื”, ื˜ื‘ื™ืขืช ืืฆื‘ืข, ื“ืคื•ืก ืงืฉืชื™ืช, ืงื•ืœ, ื”ืชื ื”ื’ื•ืช ื•ื›ื•')

ื”ืฆื•ืจืš ืœืคืจื•ืฅ ืœืžืกืคืจ ื’ื•ืจืžื™ื ืžื’ื“ื™ืœ ืžืื•ื“ ืืช ื”ืกื™ื›ื•ื™ ืœื›ื™ืฉืœื•ืŸ ืœืชื•ืงืคื™ื, ืฉื›ืŸ ืขืงื™ืคืช ืื• ื”ื˜ืขื™ื” ืฉืœ ื’ื•ืจืžื™ื ืฉื•ื ื™ื ืžืฆืจื™ื›ื” ืฉื™ืžื•ืฉ ื‘ืžืกืคืจ ืกื•ื’ื™ื ืฉืœ ื˜ืงื˜ื™ืงื•ืช ืคืจื™ืฆื”, ืขื‘ื•ืจ ื›ืœ ื’ื•ืจื ื‘ื ืคืจื“.

ืœื“ื•ื’ืžื”, ืขื 2FA "ืกื™ืกืžื” + ืกืžืืจื˜ืคื•ืŸ", ืชื•ืงืฃ ื™ื›ื•ืœ ืœื‘ืฆืข ืื™ืžื•ืช ืขืœ ื™ื“ื™ ื”ืกืชื›ืœื•ืช ืขืœ ื”ืกื™ืกืžื” ืฉืœ ื”ืžืฉืชืžืฉ ื•ื™ืฆื™ืจืช ืขื•ืชืง ืชื•ื›ื ื” ืžื“ื•ื™ืง ืฉืœ ื”ื˜ืœืคื•ืŸ ื”ื—ื›ื ืฉืœื•. ื•ื–ื” ื”ืจื‘ื” ื™ื•ืชืจ ืงืฉื” ืžืืฉืจ ืคืฉื•ื˜ ืœื’ื ื•ื‘ ืกื™ืกืžื”.

ืื‘ืœ ืื ืžืฉืชืžืฉื™ื ื‘ืกื™ืกืžื” ื•ื˜ื•ืงืŸ ืงืจื™ืคื˜ื•ื’ืจืคื™ ืขื‘ื•ืจ 2FA, ืื– ืืคืฉืจื•ืช ื”ื”ืขืชืงื” ืœื ืขื•ื‘ื“ืช ื›ืืŸ - ืื™ ืืคืฉืจ ืœืฉื›ืคืœ ืืช ื”ืืกื™ืžื•ืŸ. ื”ืจืžืื™ ื™ืฆื˜ืจืš ืœื’ื ื•ื‘ ื‘ื’ื ื™ื‘ื” ืืช ื”ืืกื™ืžื•ืŸ ืžื”ืžืฉืชืžืฉ. ืื ื”ืžืฉืชืžืฉ ื™ื‘ื—ื™ืŸ ื‘ืื•ื‘ื“ืŸ ื‘ื–ืžืŸ ื•ื™ื•ื“ื™ืข ืœืžื ื”ืœ, ื”ืืกื™ืžื•ืŸ ื™ื™ื—ืกื ื•ืžืืžืฆื™ ื”ืจืžืื™ ื™ื”ื™ื• ืœืฉื•ื•ื. ื–ื• ื”ืกื™ื‘ื” ืฉื’ื•ืจื ื”ื‘ืขืœื•ืช ื“ื•ืจืฉ ืฉื™ืžื•ืฉ ื‘ืžื›ืฉื™ืจื™ื ืžืื•ื‘ื˜ื—ื™ื ืžื™ื•ื—ื“ื™ื (ืืกื™ืžื•ื ื™ื) ื•ืœื ื‘ืžื›ืฉื™ืจื™ื ืœืฉื™ืžื•ืฉ ื›ืœืœื™ (ืกืžืืจื˜ืคื•ื ื™ื).

ืฉื™ืžื•ืฉ ื‘ื›ืœ ืฉืœื•ืฉืช ื”ื’ื•ืจืžื™ื ื™ื”ืคื•ืš ืืช ืฉื™ื˜ืช ื”ืื™ืžื•ืช ื”ื–ื• ืœื™ืงืจื” ืœืžื“ื™ ืœื™ื™ืฉื•ื ื•ื“ื™ ืœื ื ื•ื—ื” ืœืฉื™ืžื•ืฉ. ืœื›ืŸ, ื‘ื“ืจืš ื›ืœืœ ืžืฉืชืžืฉื™ื ื‘ืฉื ื™ื™ื ืžืชื•ืš ืฉืœื•ืฉื” ื’ื•ืจืžื™ื.

ื”ืขืงืจื•ื ื•ืช ืฉืœ ืื™ืžื•ืช ื“ื•-ื’ื•ืจืžื™ ืžืชื•ืืจื™ื ื‘ื™ืชืจ ืคื™ืจื•ื˜ ื›ืืŸ, ื‘ื’ื•ืฉ "ื›ื™ืฆื“ ืขื•ื‘ื“ ืื™ืžื•ืช ื“ื•-ื’ื•ืจืžื™".

ื—ืฉื•ื‘ ืœืฆื™ื™ืŸ ืฉืœืคื—ื•ืช ืื—ื“ ืžื’ื•ืจืžื™ ื”ืื™ืžื•ืช ื”ืžืฉืžืฉื™ื ื‘ืื™ืžื•ืช ื—ื–ืง ื—ื™ื™ื‘ ืœื”ืฉืชืžืฉ ื‘ืงืจื™ืคื˜ื•ื’ืจืคื™ื” ืฉืœ ืžืคืชื— ืฆื™ื‘ื•ืจื™.

ืื™ืžื•ืช ื—ื–ืง ืžืกืคืง ื”ื’ื ื” ื—ื–ืงื” ื”ืจื‘ื” ื™ื•ืชืจ ืžืืฉืจ ืื™ืžื•ืช ื—ื“-ื’ื•ืจื ื”ืžื‘ื•ืกืก ืขืœ ืกื™ืกืžืื•ืช ืงืœืืกื™ื•ืช ื•-MFA ืžืกื•ืจืชื™. ื ื™ืชืŸ ืœืจื’ืœ ืื—ืจ ืกื™ืกืžืื•ืช ืื• ืœื™ื™ืจื˜ ืื•ืชืŸ ื‘ืืžืฆืขื•ืช ืžืคืชื—ื•ืช, ืืชืจื™ ื“ื™ื•ื’ ืื• ื”ืชืงืคื•ืช ืฉืœ ื”ื ื“ืกื” ื—ื‘ืจืชื™ืช (ื›ืืฉืจ ื”ืงื•ืจื‘ืŸ ืžืจื•ืžื” ืœื—ืฉื•ืฃ ืืช ื”ืกื™ืกืžื” ืฉืœื•). ื™ืชืจื” ืžื›ืš, ื‘ืขืœ ื”ืกื™ืกืžื” ืœื ื™ื™ื“ืข ื“ื‘ืจ ืขืœ ื”ื’ื ื™ื‘ื”. MFA ืžืกื•ืจืชื™ (ื›ื•ืœืœ ืงื•ื“ื™ OTP, ืงืฉื™ืจื” ืœืกืžืืจื˜ืคื•ืŸ ืื• ื›ืจื˜ื™ืก SIM) ื ื™ืชืŸ ื’ื ืœืคืจื•ืฅ ื“ื™ ื‘ืงืœื•ืช, ืžื›ื™ื•ื•ืŸ ืฉื”ื•ื ืื™ื ื• ืžื‘ื•ืกืก ืขืœ ื”ืฆืคื ืช ืžืคืชื— ืฆื™ื‘ื•ืจื™ (ืื’ื‘, ื™ืฉื ืŸ ื“ื•ื’ืžืื•ืช ืจื‘ื•ืช ืฉื‘ื”ืŸ, ื‘ืืžืฆืขื•ืช ืื•ืชืŸ ื˜ื›ื ื™ืงื•ืช ื”ื ื“ืกื” ื—ื‘ืจืชื™ืช, ืจืžืื™ื ืฉื›ื ืขื• ืžืฉืชืžืฉื™ื ืœืชืช ืœื”ื ืกื™ืกืžื” ื—ื“ ืคืขืžื™ืช).

ืœืžืจื‘ื” ื”ืžื–ืœ, ื”ืฉื™ืžื•ืฉ ื‘ืื™ืžื•ืช ื—ื–ืง ื•ื‘-MFA ืžืกื•ืจืชื™ ืฆื•ื‘ืจ ืื—ื™ื–ื” ื‘ื™ื™ืฉื•ืžื™ื ืฆืจื›ื ื™ื™ื ื•ืืจื’ื•ื ื™ื™ื ืžืื– ื”ืฉื ื” ืฉืขื‘ืจื”. ื”ืฉื™ืžื•ืฉ ื‘ืื™ืžื•ืช ื—ื–ืง ื‘ื™ื™ืฉื•ืžื™ ืฆืจื›ื ื™ื ื’ื“ืœ ื‘ืžื”ื™ืจื•ืช ื‘ืžื™ื•ื—ื“. ืื ื‘-2017 ืจืง 5% ืžื”ื—ื‘ืจื•ืช ื”ืฉืชืžืฉื• ื‘ื•, ืื– ื‘-2018 ื–ื” ื›ื‘ืจ ื”ื™ื” ืคื™ ืฉืœื•ืฉื” - 16%. ื ื™ืชืŸ ืœื”ืกื‘ื™ืจ ื–ืืช ืขืœ ื™ื“ื™ ื”ื–ืžื™ื ื•ืช ื”ืžื•ื’ื‘ืจืช ืฉืœ ืืกื™ืžื•ื ื™ื ื”ืชื•ืžื›ื™ื ื‘ืืœื’ื•ืจื™ืชืžื™ื ืฉืœ ืงืจื™ืคื˜ื•ื’ืจืคื™ื” ืฉืœ ืžืคืชื—ื•ืช ืฆื™ื‘ื•ืจื™ื™ื (PKC). ื‘ื ื•ืกืฃ, ืœื—ืฅ ืžื•ื’ื‘ืจ ืžืฆื“ ื”ืจื’ื•ืœื˜ื•ืจื™ื ื”ืื™ืจื•ืคื™ื™ื ื‘ืขืงื‘ื•ืช ืื™ืžื•ืฅ ื›ืœืœื™ ื”ื’ื ืช ืžื™ื“ืข ื—ื“ืฉื™ื ื›ื’ื•ืŸ PSD2 ื•-GDPR ื”ืฉืคื™ืข ื—ื–ืง ื’ื ืžื—ื•ืฅ ืœืื™ืจื•ืคื” (ื›ื•ืœืœ ื‘ืจื•ืกื™ื”).

ืžื” ื™ืงืจื” ืœืื™ืžื•ืช ื•ืกื™ืกืžืื•ืช? ืชืจื’ื•ื ื“ื•ื— Javelin "State of Strong Authentication" ืขื ื”ืขืจื•ืช

ื‘ื•ืื• ื ืกืชื›ืœ ืžืงืจื•ื‘ ืขืœ ื”ืžืกืคืจื™ื ื”ืœืœื•. ื›ืคื™ ืฉืื ื• ื™ื›ื•ืœื™ื ืœืจืื•ืช, ืื—ื•ื– ื”ืื ืฉื™ื ื”ืคืจื˜ื™ื™ื ื”ืžืฉืชืžืฉื™ื ื‘ืื™ืžื•ืช ืจื‘-ื’ื•ืจืžื™ ื’ื“ืœ ื‘-11% ืžืจืฉื™ื ื‘ืžื”ืœืš ื”ืฉื ื”. ื•ื–ื” ืงืจื” ื‘ื‘ื™ืจื•ืจ ืขืœ ื—ืฉื‘ื•ืŸ ืื•ื”ื‘ื™ ื”ืกื™ืกืžืื•ืช, ืฉื›ืŸ ื”ืžืกืคืจื™ื ืฉืœ ืืœื” ืฉืžืืžื™ื ื™ื ื‘ืื‘ื˜ื—ืช ื”ื•ื“ืขื•ืช Push, SMS ื•ื‘ื™ื•ืžื˜ืจื™ื” ืœื ื”ืฉืชื ื•.

ืื‘ืœ ืขื ืื™ืžื•ืช ื“ื•-ื’ื•ืจืžื™ ืœืฉื™ืžื•ืฉ ืืจื’ื•ื ื™, ื”ื“ื‘ืจื™ื ืœื ื›ืœ ื›ืš ื˜ื•ื‘ื™ื. ืจืืฉื™ืช, ืขืœ ืคื™ ื”ื“ื™ื•ื•ื—, ืจืง 5% ืžื”ืขื•ื‘ื“ื™ื ื”ื•ืขื‘ืจื• ืžืื™ืžื•ืช ืกื™ืกืžื” ืœืืกื™ืžื•ื ื™ื. ื•ืฉื ื™ืช, ืžืกืคืจ ื”ืžืฉืชืžืฉื™ื ื‘ืืคืฉืจื•ื™ื•ืช MFA ื—ืœื•ืคื™ื•ืช ื‘ืกื‘ื™ื‘ื” ืืจื’ื•ื ื™ืช ื’ื“ืœ ื‘-4%.

ืื ื™ ืื ืกื” ืœืฉื—ืง ืื ืœื™ืกื˜ ื•ืœืชืช ืืช ื”ืคืจืฉื ื•ืช ืฉืœื™. ื‘ืžืจื›ื– ื”ืขื•ืœื ื”ื“ื™ื’ื™ื˜ืœื™ ืฉืœ ืžืฉืชืžืฉื™ื ื‘ื•ื“ื“ื™ื ืขื•ืžื“ ื”ืกืžืืจื˜ืคื•ืŸ. ืœื›ืŸ, ืื™ืŸ ื–ื” ืคืœื ืฉื”ืจื•ื‘ ืžืฉืชืžืฉ ื‘ื™ื›ื•ืœื•ืช ืฉื”ืžื›ืฉื™ืจ ืžืกืคืง ืœื”ื - ืื™ืžื•ืช ื‘ื™ื•ืžื˜ืจื™, ื”ื•ื“ืขื•ืช SMS ื•-Push ื•ื›ืŸ ืกื™ืกืžืื•ืช ื—ื“ ืคืขืžื™ื•ืช ืฉื ื•ืฆืจื•ืช ืžืืคืœื™ืงืฆื™ื•ืช ื‘ืกืžืืจื˜ืคื•ืŸ ืขืฆืžื•. ืื ืฉื™ื ื‘ื“ืจืš ื›ืœืœ ืœื ื—ื•ืฉื‘ื™ื ืขืœ ื‘ื˜ื™ื—ื•ืช ื•ืืžื™ื ื•ืช ื›ืฉื”ื ืžืฉืชืžืฉื™ื ื‘ื›ืœื™ื ืฉื”ื ืจื’ื™ืœื™ื ืืœื™ื”ื.

ื–ื• ื”ืกื™ื‘ื” ืฉืื—ื•ื– ื”ืžืฉืชืžืฉื™ื ื‘ื’ื•ืจืžื™ ืื™ืžื•ืช "ืžืกื•ืจืชื™ื™ื" ืคืจื™ืžื™ื˜ื™ื‘ื™ื™ื ื ื•ืชืจ ืœืœื ืฉื™ื ื•ื™. ืื‘ืœ ืžื™ ืฉื”ืฉืชืžืฉ ื‘ืขื‘ืจ ื‘ืกื™ืกืžืื•ืช ืžื‘ื™ืŸ ื›ืžื” ื”ื•ื ืžืกืชื›ืŸ, ื•ื›ืืฉืจ ื‘ื•ื—ืจ ื’ื•ืจื ืื™ืžื•ืช ื—ื“ืฉ, ื”ื•ื ื‘ื•ื—ืจ ื‘ืืคืฉืจื•ืช ื”ื—ื“ืฉื” ื•ื”ื‘ื˜ื•ื—ื” ื‘ื™ื•ืชืจ - ืืกื™ืžื•ืŸ ืงืจื™ืคื˜ื•ื’ืจืคื™.

ื‘ืืฉืจ ืœืฉื•ืง ื”ืืจื’ื•ื ื™, ื—ืฉื•ื‘ ืœื”ื‘ื™ืŸ ืœืื™ื–ื• ืžืขืจื›ืช ืžืชื‘ืฆืข ืื™ืžื•ืช ืžืขืจื›ืช. ืื ืžื™ื•ืฉืžืช ื›ื ื™ืกื” ืœื“ื•ืžื™ื™ืŸ ืฉืœ Windows, ืื–ื™ ื ืขืฉื” ืฉื™ืžื•ืฉ ื‘ืืกื™ืžื•ื ื™ ืงืจื™ืคื˜ื•ื’ืจืคื™ื™ื. ื”ืืคืฉืจื•ื™ื•ืช ืœืฉื™ืžื•ืฉ ื‘ื”ื ืขื‘ื•ืจ 2FA ื›ื‘ืจ ืžื•ื‘ื ื•ืช ื’ื ื‘-Windows ื•ื’ื ื‘ืœื™ื ื•ืงืก, ืื‘ืœ ืืคืฉืจื•ื™ื•ืช ื—ืœื•ืคื™ื•ืช ืืจื•ื›ื•ืช ื•ืงืฉื•ืช ืœื™ื™ืฉื•ื. ืขื“ ื›ืืŸ ื”ื”ืขื‘ืจื” ืฉืœ 5% ืžืกื™ืกืžืื•ืช ืœืืกื™ืžื•ื ื™ื.

ื•ื”ื™ื™ืฉื•ื ืฉืœ 2FA ื‘ืžืขืจื›ืช ืžื™ื“ืข ืืจื’ื•ื ื™ืช ืชืœื•ื™ ืžืื•ื“ ื‘ื›ื™ืฉื•ืจื™ ื”ืžืคืชื—ื™ื. ื•ื”ืจื‘ื” ื™ื•ืชืจ ืงืœ ืœืžืคืชื—ื™ื ืœืงื—ืช ืžื•ื“ื•ืœื™ื ืžื•ื›ื ื™ื ืœื”ืคืงืช ืกื™ืกืžืื•ืช ื—ื“ ืคืขืžื™ื•ืช ืžืืฉืจ ืœื”ื‘ื™ืŸ ืืช ืคืขื•ืœืชื ืฉืœ ืืœื’ื•ืจื™ืชืžื™ื ืงืจื™ืคื˜ื•ื’ืจืคื™ื™ื. ื•ื›ืชื•ืฆืื” ืžื›ืš, ืืคื™ืœื• ื™ื™ืฉื•ืžื™ื ืงืจื™ื˜ื™ื™ื ืœื”ืคืœื™ื ื›ืžื• ื›ื ื™ืกื” ื™ื—ื™ื“ื” ืื• ืžืขืจื›ื•ืช ื ื™ื”ื•ืœ ื’ื™ืฉื” ืžื•ืจืฉื•ืช ืžืฉืชืžืฉื•ืช ื‘-OTP ื›ื’ื•ืจื ืฉื ื™.

ื ืงื•ื“ื•ืช ืชื•ืจืคื” ืจื‘ื•ืช ื‘ืฉื™ื˜ื•ืช ืื™ืžื•ืช ืžืกื•ืจืชื™ื•ืช

ื‘ืขื•ื“ ืฉืืจื’ื•ื ื™ื ืจื‘ื™ื ื ืฉืืจื™ื ืชืœื•ื™ื™ื ื‘ืžืขืจื›ื•ืช ืžื“ื•ืจ ืงื•ื“ื, ื ืงื•ื“ื•ืช ืชื•ืจืคื” ื‘ืื™ืžื•ืช ืจื‘-ื’ื•ืจืžื™ ืžืกื•ืจืชื™ ื”ื•ืคื›ื•ืช ื‘ื•ืœื˜ื•ืช ื™ื•ืชืจ ื•ื™ื•ืชืจ. ืกื™ืกืžืื•ืช ื—ื“-ืคืขืžื™ื•ืช, ื‘ื“ืจืš ื›ืœืœ ื‘ืื•ืจืš ืฉืœ ืฉื™ืฉื” ืขื“ ืฉืžื•ื ื” ืชื•ื•ื™ื, ื”ื ืžืกืจื•ืช ื‘ืืžืฆืขื•ืช SMS, ื ืฉืืจื•ืช ื”ืฆื•ืจื” ื”ื ืคื•ืฆื” ื‘ื™ื•ืชืจ ืฉืœ ืื™ืžื•ืช (ืžืœื‘ื“ ื’ื•ืจื ื”ืกื™ืกืžื”, ื›ืžื•ื‘ืŸ). ื•ื›ืืฉืจ ื”ืžื™ืœื™ื "ืื™ืžื•ืช ื“ื•-ืฉืœื‘ื™" ืื• "ืื™ืžื•ืช ื“ื•-ืฉืœื‘ื™" ืžื•ื–ื›ืจื•ืช ื‘ืขื™ืชื•ื ื•ืช ื”ืคื•ืคื•ืœืจื™ืช, ื”ืŸ ื›ืžืขื˜ ืชืžื™ื“ ืžืชื™ื™ื—ืกื•ืช ืœืื™ืžื•ืช ืกื™ืกืžื” ื—ื“-ืคืขืžื™ืช ื‘-SMS.

ื›ืืŸ ื”ืžื—ื‘ืจ ืงืฆืช ื˜ื•ืขื”. ืžืกื™ืจืช ืกื™ืกืžืื•ืช ื—ื“ ืคืขืžื™ื•ืช ื‘ืืžืฆืขื•ืช SMS ืžืขื•ืœื ืœื ื”ื™ื™ืชื” ืื™ืžื•ืช ื“ื•-ืฉืœื‘ื™. ื–ื”ื• ื‘ืฆื•ืจืชื• ื”ื˜ื”ื•ืจื” ื‘ื™ื•ืชืจ ื”ืฉืœื‘ ื”ืฉื ื™ ืฉืœ ืื™ืžื•ืช ื“ื•-ืฉืœื‘ื™, ื›ืืฉืจ ื”ืฉืœื‘ ื”ืจืืฉื•ืŸ ื”ื•ื ื”ื–ื ืช ื”ืžืฉืชืžืฉ ื•ื”ืกื™ืกืžื” ืฉืœืš.

ื‘ืฉื ืช 2016, ื”ืžื›ื•ืŸ ื”ืœืื•ืžื™ ืœืชืงื ื™ื ื•ื˜ื›ื ื•ืœื•ื’ื™ื” (NIST) ืขื“ื›ืŸ ืืช ื›ืœืœื™ ื”ืื™ืžื•ืช ืฉืœื• ื›ื“ื™ ืœื‘ื˜ืœ ืืช ื”ืฉื™ืžื•ืฉ ื‘ืกื™ืกืžืื•ืช ื—ื“ ืคืขืžื™ื•ืช ืฉื ืฉืœื—ื•ืช ื‘ืืžืฆืขื•ืช SMS. ืขื ื–ืืช, ื”ื›ืœืœื™ื ื”ืœืœื• ื”ื•ืงืœื• ื‘ืื•ืคืŸ ืžืฉืžืขื•ืชื™ ื‘ืขืงื‘ื•ืช ืžื—ืื•ืช ื”ืชืขืฉื™ื™ื”.

ืื– ื‘ื•ืื• ื ืขืงื•ื‘ ืื—ืจ ื”ืขืœื™ืœื”. ื”ืจื’ื•ืœื˜ื•ืจ ื”ืืžืจื™ืงืื™ ืžื›ื™ืจ ื‘ืฆื“ืง ื‘ื›ืš ืฉื˜ื›ื ื•ืœื•ื’ื™ื” ืžื™ื•ืฉื ืช ืื™ื ื” ืžืกื•ื’ืœืช ืœื”ื‘ื˜ื™ื— ืืช ื‘ื˜ื™ื—ื•ืช ื”ืžืฉืชืžืฉ ื•ืžืฆื™ื’ ืชืงื ื™ื ื—ื“ืฉื™ื. ืชืงื ื™ื ืฉื ื•ืขื“ื• ืœื”ื’ืŸ ืขืœ ืžืฉืชืžืฉื™ ื™ื™ืฉื•ืžื™ื ืžืงื•ื•ื ื™ื ื•ื ื™ื™ื“ื™ื (ื›ื•ืœืœ ื‘ื ืงืื™ื™ื). ื”ืชืขืฉื™ื™ื” ืžื—ืฉื‘ืช ื›ืžื” ื›ืกืฃ ื”ื™ื ืชืฆื˜ืจืš ืœื”ื•ืฆื™ื ืขืœ ืจื›ื™ืฉืช ืืกื™ืžื•ื ื™ ืงืจื™ืคื˜ื•ื’ืจืคื™ื™ื ืืžื™ื ื™ื ื‘ืืžืช, ืขื™ืฆื•ื‘ ืžื—ื“ืฉ ืฉืœ ื™ื™ืฉื•ืžื™ื, ืคืจื™ืกืช ืชืฉืชื™ืช ืžืคืชื— ืฆื™ื‘ื•ืจื™ ื•"ืขื•ืœื” ืขืœ ืจื’ืœื™ื” ื”ืื—ื•ืจื™ื•ืช". ืžืฆื“ ืื—ื“, ื”ืžืฉืชืžืฉื™ื ื”ืฉืชื›ื ืขื• ื‘ืืžื™ื ื•ืชืŸ ืฉืœ ืกื™ืกืžืื•ืช ื—ื“-ืคืขืžื™ื•ืช, ื•ืžืฆื“ ืฉื ื™ ื”ื™ื• ื”ืชืงืคื•ืช ืขืœ NIST. ื›ืชื•ืฆืื” ืžื›ืš, ื”ืชืงืŸ ืจื•ื›ืš, ื•ืžืกืคืจ ื”ืคืจื™ืฆื•ืช ื•ื’ื ื™ื‘ืช ืกื™ืกืžืื•ืช (ื•ื›ืกืคื™ื ืžืืคืœื™ืงืฆื™ื•ืช ื‘ื ืงืื™ื•ืช) ื’ื“ืœ ื‘ื—ื“ื•ืช. ืื‘ืœ ื”ืชืขืฉื™ื™ื” ืœื ื”ื™ื™ืชื” ืฆืจื™ื›ื” ืœื”ื•ืฆื™ื ื›ืกืฃ.

ืžืื–, ื”ื—ื•ืœืฉื•ืช ื”ืžื•ื‘ื ื•ืช ืฉืœ SMS OTP ื”ืคื›ื• ื‘ืจื•ืจื•ืช ื™ื•ืชืจ. ืจืžืื™ื ืžืฉืชืžืฉื™ื ื‘ืฉื™ื˜ื•ืช ืฉื•ื ื•ืช ื›ื“ื™ ืœื”ืชืคืฉืจ ืขืœ ื”ื•ื“ืขื•ืช SMS:

  • ืฉื›ืคื•ืœ ื›ืจื˜ื™ืก SIM. ืชื•ืงืคื™ื ื™ื•ืฆืจื™ื ืขื•ืชืง ืฉืœ ื”-SIM (ื‘ืขื–ืจืช ืขื•ื‘ื“ื™ ืžืคืขื™ืœ ืกืœื•ืœืจื™, ืื• ื‘ืื•ืคืŸ ืขืฆืžืื™, ื‘ืืžืฆืขื•ืช ืชื•ื›ื ื” ื•ื—ื•ืžืจื” ืžื™ื•ื—ื“ื™ื). ื›ืชื•ืฆืื” ืžื›ืš, ื”ืชื•ืงืฃ ืžืงื‘ืœ ื”ื•ื“ืขืช SMS ืขื ืกื™ืกืžื” ื—ื“ ืคืขืžื™ืช. ื‘ืžืงืจื” ืื—ื“ ืžืคื•ืจืกื ื‘ืžื™ื•ื—ื“, ื”ืืงืจื™ื ื”ืฆืœื™ื—ื• ืืคื™ืœื• ืœื”ืชืคืฉืจ ืขืœ ื—ืฉื‘ื•ืŸ AT&T ืฉืœ ืžืฉืงื™ืข ื”ืžื˜ื‘ืขื•ืช ื”ืงืจื™ืคื˜ื• ืžื™ื™ืงืœ ื˜ืจืคื™ืŸ, ื•ืœื’ื ื•ื‘ ื›ืžืขื˜ 24 ืžื™ืœื™ื•ืŸ ื“ื•ืœืจ ื‘ืžื˜ื‘ืขื•ืช ืงืจื™ืคื˜ื•ื’ืจืคื™ื™ื. ื›ืชื•ืฆืื” ืžื›ืš, ื˜ื•ืจืคื™ืŸ ื”ืฆื”ื™ืจ ื›ื™ AT&T ืืฉืžื” ื‘ืฉืœ ืืžืฆืขื™ ืื™ืžื•ืช ื—ืœืฉื™ื ืฉื”ื•ื‘ื™ืœื• ืœืฉื›ืคื•ืœ ื›ืจื˜ื™ืก ื”-SIM.

    ื”ื™ื’ื™ื•ืŸ ืžื“ื”ื™ื. ืื– ื–ื• ื‘ืืžืช ืจืง ืืฉืžืชื” ืฉืœ AT&T? ืœื, ื–ื• ืœืœื ืกืคืง ืืฉืžืช ืžืคืขื™ืœืช ื”ืกืœื•ืœืจ ืฉืื ืฉื™ ื”ืžื›ื™ืจื•ืช ื‘ื—ื ื•ืช ื”ืชืงืฉื•ืจืช ื”ื ืคื™ืงื• ื›ืจื˜ื™ืก ืกื™ื ื›ืคื•ืœ. ืžื” ืœื’ื‘ื™ ืžืขืจื›ืช ืื™ืžื•ืช ื”ื—ืœืคืช ืžื˜ื‘ืขื•ืช ืงืจื™ืคื˜ื•ื’ืจืคื™ื™ื? ืœืžื” ื”ื ืœื ื”ืฉืชืžืฉื• ื‘ืืกื™ืžื•ื ื™ ืงืจื™ืคื˜ื•ื’ืจืคื™ื™ื ื—ื–ืงื™ื? ื”ืื ื—ื‘ืœ ืœื”ื•ืฆื™ื ื›ืกืฃ ืขืœ ื™ื™ืฉื•ื? ื”ืื ืžื™ื™ืงืœ ืขืฆืžื• ืœื ืืฉื? ืžื“ื•ืข ื”ื•ื ืœื ื”ืชืขืงืฉ ืœืฉื ื•ืช ืืช ืžื ื’ื ื•ืŸ ื”ืื™ืžื•ืช ืื• ืœื”ืฉืชืžืฉ ืจืง ื‘ื‘ื•ืจืกื•ืช ื”ืžื™ื™ืฉืžื•ืช ืื™ืžื•ืช ื“ื•-ื’ื•ืจืžื™ ื”ืžื‘ื•ืกืก ืขืœ ืืกื™ืžื•ื ื™ื ืงืจื™ืคื˜ื•ื’ืจืคื™ื™ื?

    ื”ื›ื ืกืช ืฉื™ื˜ื•ืช ืื™ืžื•ืช ืžื”ื™ืžื ื•ืช ื‘ืืžืช ืžืชืขื›ื‘ืช ื‘ื“ื™ื•ืง ื‘ื’ืœืœ ืฉืžืฉืชืžืฉื™ื ืžื’ืœื™ื ื—ื•ืกืจ ื–ื”ื™ืจื•ืช ืžื“ื”ื™ื ืœืคื ื™ ื”ืคืจื™ืฆื”, ื•ืœืื—ืจ ืžื›ืŸ ื”ื ืžืืฉื™ืžื™ื ืืช ื”ืฆืจื•ืช ืฉืœื”ื ืขืœ ื›ืœ ืื—ื“ ื•ื›ืœ ื“ื‘ืจ ืื—ืจ ืžืœื‘ื“ ื˜ื›ื ื•ืœื•ื’ื™ื•ืช ืื™ืžื•ืช ืขืชื™ืงื•ืช ื•"ื“ื•ืœืคื•ืช"

  • ืชื•ื›ื ื” ื–ื“ื•ื ื™ืช. ืื—ืช ื”ืชืคืงื™ื“ื™ื ื”ืžื•ืงื“ืžื™ื ื‘ื™ื•ืชืจ ืฉืœ ืชื•ื›ื ื•ืช ื–ื“ื•ื ื™ื•ืช ื ื™ื™ื“ื•ืช ื”ื™ื™ืชื” ืœื™ื™ืจื˜ ื•ืœื”ืขื‘ื™ืจ ื”ื•ื“ืขื•ืช ื˜ืงืกื˜ ืœืชื•ืงืคื™ื. ื›ืžื• ื›ืŸ, ื”ืชืงืคื•ืช ืื™ืฉ ื‘ื“ืคื“ืคืŸ ื•ืื“ื ื‘ืืžืฆืข ื™ื›ื•ืœื•ืช ืœื™ื™ืจื˜ ืกื™ืกืžืื•ืช ื—ื“ ืคืขืžื™ื•ืช ื›ืืฉืจ ื”ืŸ ืžื•ื–ื ื•ืช ื‘ืžื—ืฉื‘ื™ื ื ื™ื™ื“ื™ื ืื• ืžื›ืฉื™ืจื™ ืฉื•ืœื—ืŸ ืขื‘ื•ื“ื” ื ื’ื•ืขื™ื.

    ื›ืืฉืจ ืืคืœื™ืงืฆื™ื™ืช Sberbank ื‘ืกืžืืจื˜ืคื•ืŸ ืฉืœืš ืžื”ื‘ื”ื‘ืช ื‘ืกืžืœ ื™ืจื•ืง ื‘ืฉื•ืจืช ื”ืžืฆื‘, ื”ื™ื ื’ื ืžื—ืคืฉืช "ืชื•ื›ื ื” ื–ื“ื•ื ื™ืช" ื‘ื˜ืœืคื•ืŸ ืฉืœืš. ื”ืžื˜ืจื” ืฉืœ ื”ืื™ืจื•ืข ื”ื–ื” ื”ื™ื ืœื”ืคื•ืš ืืช ืกื‘ื™ื‘ืช ื”ื‘ื™ืฆื•ืข ื”ืœื ืžื”ื™ืžื ื” ืฉืœ ืกืžืืจื˜ืคื•ืŸ ื˜ื™ืคื•ืกื™, ืœืคื—ื•ืช ื‘ืื™ื–ืฉื”ื• ืื•ืคืŸ, ืœืกื‘ื™ื‘ืช ื‘ื™ืฆื•ืข ืžื”ื™ืžื ื”.
    ืื’ื‘, ืกืžืืจื˜ืคื•ืŸ, ื›ืžื›ืฉื™ืจ ืœื ืžื”ื™ืžืŸ ืœื—ืœื•ื˜ื™ืŸ ืฉืืคืฉืจ ืœืขืฉื•ืช ื‘ื• ื”ื›ืœ, ื”ื•ื ืขื•ื“ ืกื™ื‘ื” ืœื”ืฉืชืžืฉ ื‘ื• ืœืื™ืžื•ืช ืืกื™ืžื•ื ื™ ื—ื•ืžืจื” ื‘ืœื‘ื“, ื”ืžื•ื’ื ื™ื ื•ืœืœื ื•ื™ืจื•ืกื™ื ื•ืกื•ืกื™ื ื˜ืจื•ื™ืื ื™ื™ื.

  • ื”ื ื“ืกื” ื—ื‘ืจืชื™ืช. ื›ืืฉืจ ื”ืจืžืื™ื ื™ื•ื“ืขื™ื ืฉืœืงื•ืจื‘ืŸ ื™ืฉ OTPs ืžื•ืคืขืœื™ื ื‘ืืžืฆืขื•ืช SMS, ื”ื ื™ื›ื•ืœื™ื ืœื™ืฆื•ืจ ืงืฉืจ ื™ืฉื™ืจื•ืช ืขื ื”ืงื•ืจื‘ืŸ, ืœื”ืชื—ื–ื•ืช ืœืืจื’ื•ืŸ ืžื”ื™ืžืŸ ื›ืžื• ื”ื‘ื ืง ืื• ืื™ื’ื•ื“ ื”ืืฉืจืื™ ืฉืœื”ื, ื›ื“ื™ ืœื”ืขืจื™ื ืขืœ ื”ืงื•ืจื‘ืŸ ืœืกืคืง ืืช ื”ืงื•ื“ ืฉื–ื” ืขืชื” ืงื™ื‘ืœ.

    ืื ื™ ืื™ืฉื™ืช ื ืชืงืœืชื™ ื‘ืกื•ื’ ื–ื” ืฉืœ ื”ื•ื ืื” ืคืขืžื™ื ืจื‘ื•ืช, ืœืžืฉืœ, ื›ืฉื ื™ืกื™ืชื™ ืœืžื›ื•ืจ ืžืฉื”ื• ื‘ืฉื•ืง ืคืฉืคืฉื™ื ืžืงื•ื•ืŸ ืคื•ืคื•ืœืจื™. ืื ื™ ืขืฆืžื™ ืฆื—ืงืชื™ ืขืœ ื”ื ื•ื›ืœ ืฉื ื™ืกื” ืœืฉื˜ื•ืช ื‘ื™ ื›ืื•ื•ืช ื ืคืฉื™. ืื‘ืœ ืื‘ื•ื™, ืื ื™ ืงื•ืจื ื‘ืงื‘ื™ืขื•ืช ื‘ื—ื“ืฉื•ืช ืื™ืš ืขื•ื“ ืงื•ืจื‘ืŸ ืฉืœ ืจืžืื™ื "ืœื ื—ืฉื‘", ื ืชืŸ ืืช ืงื•ื“ ื”ืื™ืฉื•ืจ ื•ื”ืคืกื™ื“ ืกื›ื•ื ื’ื“ื•ืœ. ื•ื›ืœ ื–ื” ื‘ื’ืœืœ ืฉื”ื‘ื ืง ืคืฉื•ื˜ ืœื ืจื•ืฆื” ืœื”ืชืขืกืง ื‘ื™ื™ืฉื•ื ืืกื™ืžื•ื ื™ื ืงืจื™ืคื˜ื•ื’ืจืคื™ื™ื ื‘ืืคืœื™ืงืฆื™ื•ืช ืฉืœื•. ืื—ืจื™ ื”ื›ืœ, ืื ืžืฉื”ื• ืงื•ืจื”, ื”ืœืงื•ื—ื•ืช "ื™ืฉ ืœื”ืืฉื™ื ืืช ืขืฆืžื".

ื‘ืขื•ื“ ืฉืฉื™ื˜ื•ืช ืืกืคืงืช OTP ื—ืœื•ืคื™ื•ืช ืขืฉื•ื™ื•ืช ืœื”ืคื—ื™ืช ื—ืœืง ืžื”ื—ื•ืœืฉื•ืช ื‘ืฉื™ื˜ืช ืื™ืžื•ืช ื–ื•, ืคื’ื™ืขื•ื™ื•ืช ืื—ืจื•ืช ื ืฉืืจื•ืช. ื™ื™ืฉื•ืžื™ ื™ืฆื™ืจืช ืงื•ื“ ืขืฆืžืื™ื™ื ื”ื ื”ื”ื’ื ื” ื”ื˜ื•ื‘ื” ื‘ื™ื•ืชืจ ืžืคื ื™ ื”ืื–ื ื”, ืžื›ื™ื•ื•ืŸ ืฉืืคื™ืœื• ืชื•ื›ื ื•ืช ื–ื“ื•ื ื™ื•ืช ื‘ืงื•ืฉื™ ื™ื›ื•ืœื•ืช ืœืงื™ื™ื ืื™ื ื˜ืจืืงืฆื™ื” ื™ืฉื™ืจื” ืขื ืžื—ื•ืœืœ ื”ืงื•ื“ (ื‘ืจืฆื™ื ื•ืช? ื”ืื ืžื—ื‘ืจ ื”ื“ื•"ื— ืฉื›ื— ืžื”ืฉืœื™ื˜ื” ืžืจื—ื•ืง?), ืืš ืขื“ื™ื™ืŸ ื ื™ืชืŸ ืœื™ื™ืจื˜ ื”ื•ื“ืขื•ืช OTP ื›ืฉื”ืŸ ืžื•ื–ื ื•ืช ืœื“ืคื“ืคืŸ (ืœืžืฉืœ ื‘ืืžืฆืขื•ืช keylogger), ื“ืจืš ืืคืœื™ืงืฆื™ื” ืกืœื•ืœืจื™ืช ืฉื ืคืจืฆื”; ื•ื ื™ืชืŸ ืœืงื‘ืœ ื’ื ื™ืฉื™ืจื•ืช ืžื”ืžืฉืชืžืฉ ื‘ืืžืฆืขื•ืช ื”ื ื“ืกื” ื—ื‘ืจืชื™ืช.
ืฉื™ืžื•ืฉ ื‘ื›ืœื™ื ืžืจื•ื‘ื™ื ืœื”ืขืจื›ืช ืกื™ื›ื•ื ื™ื ื›ื’ื•ืŸ ื–ื™ื”ื•ื™ ืžื›ืฉื™ืจื™ื (ืื™ืชื•ืจ ื ื™ืกื™ื•ื ื•ืช ืœื‘ืฆืข ืขืกืงืื•ืช ืžืžื›ืฉื™ืจื™ื ืฉืื™ื ื ืฉื™ื™ื›ื™ื ืœืžืฉืชืžืฉ ื—ื•ืงื™), ืžื™ืงื•ื ื’ื™ืื•ื’ืจืคื™ (ืžืฉืชืžืฉ ืฉื–ื” ืขืชื” ื”ื™ื” ื‘ืžื•ืกืงื‘ื” ืžื ืกื” ืœื‘ืฆืข ื ื™ืชื•ื— ืžื ื•ื‘ื•ืกื™ื‘ื™ืจืกืง) ื•ื ื™ืชื•ื— ื”ืชื ื”ื’ื•ืช ื—ืฉื•ื‘ื™ื ืœื˜ื™ืคื•ืœ ื‘ื ืงื•ื“ื•ืช ืชื•ืจืคื”, ืื‘ืœ ืืฃ ืื—ื“ ืžื”ืคืชืจื•ื ื•ืช ืื™ื ื• ืชืจื•ืคืช ืคืœื. ืขื‘ื•ืจ ื›ืœ ืžืฆื‘ ื•ืกื•ื’ ื ืชื•ื ื™ื, ื™ืฉ ืฆื•ืจืš ืœื”ืขืจื™ืš ื”ื™ื˜ื‘ ืืช ื”ืกื™ื›ื•ื ื™ื ื•ืœื‘ื—ื•ืจ ื‘ืื™ื–ื• ื˜ื›ื ื•ืœื•ื’ื™ื™ืช ืื™ืžื•ืช ื™ืฉ ืœื”ืฉืชืžืฉ.

ืฉื•ื ืคืชืจื•ืŸ ืื™ืžื•ืช ืื™ื ื• ืชืจื•ืคืช ืคืœื

ืื™ื•ืจ 2. ื˜ื‘ืœืช ืืคืฉืจื•ื™ื•ืช ืื™ืžื•ืช

ืื™ืžื•ืช ื’ื•ืจื ืชื™ืื•ืจ ื ืงื•ื“ื•ืช ืชื•ืจืคื” ืžืจื›ื–ื™ื•ืช
ืกื™ืกืžื” ืื• PIN ื™ื“ืข ืขืจืš ืงื‘ื•ืข, ืฉื™ื›ื•ืœ ืœื›ืœื•ืœ ืื•ืชื™ื•ืช, ืžืกืคืจื™ื ื•ืขื•ื“ ืžืกืคืจ ืชื•ื•ื™ื ื ื™ืชืŸ ืœื™ื™ืจื˜, ืœืจื’ืœ, ืœื’ื ื•ื‘, ืœืืกื•ืฃ ืื• ืœืคืจื•ืฅ
ืื™ืžื•ืช ืžื‘ื•ืกืก ื™ื“ืข ื™ื“ืข ืฉื•ืืœ ืืช ื”ืชืฉื•ื‘ื•ืช ืฉืจืง ืžืฉืชืžืฉ ื—ื•ืงื™ ื™ื›ื•ืœ ืœื“ืขืช ื ื™ืชืŸ ืœื™ื™ืจื˜, ืœืืกื•ืฃ, ืœื”ืฉื™ื’ ื‘ืฉื™ื˜ื•ืช ื”ื ื“ืกื” ื—ื‘ืจืชื™ืช
ื—ื•ืžืจื” OTP (ื“ื•ื’ืžื”) ืจึฐืฉืื•ึผืช ืžื›ืฉื™ืจ ืžื™ื•ื—ื“ ืฉืžื™ื™ืฆืจ ืกื™ืกืžืื•ืช ื—ื“ ืคืขืžื™ื•ืช ื™ื™ืชื›ืŸ ืฉื”ืงื•ื“ ื™ื™ืจื˜ื• ื•ื™ื—ื–ื•ืจ ืขืœ ืขืฆืžื•, ืื• ืฉื”ืžื›ืฉื™ืจ ื™ื™ื’ื ื‘
OTPs ืฉืœ ืชื•ื›ื ื” ืจึฐืฉืื•ึผืช ืืคืœื™ืงืฆื™ื” (ื ื™ื™ื“, ื ื’ื™ืฉ ื“ืจืš ื“ืคื“ืคืŸ ืื• ืฉืœื™ื—ืช ืงื•ื“ื™ื ื‘ื“ื•ืืจ ืืœืงื˜ืจื•ื ื™) ืฉืžื™ื™ืฆืจ ืกื™ืกืžืื•ืช ื—ื“ ืคืขืžื™ื•ืช ื™ื™ืชื›ืŸ ืฉื”ืงื•ื“ ื™ื™ืจื˜ื• ื•ื™ื—ื–ื•ืจ ืขืœ ืขืฆืžื•, ืื• ืฉื”ืžื›ืฉื™ืจ ื™ื™ื’ื ื‘
SMS OTP ืจึฐืฉืื•ึผืช ืกื™ืกืžื” ื—ื“ ืคืขืžื™ืช ื ืžืกืจืช ื‘ืืžืฆืขื•ืช ื”ื•ื“ืขืช ื˜ืงืกื˜ SMS ื”ืงื•ื“ ืขืฉื•ื™ ืœื”ื™ื•ืช ืžื™ื™ืจื˜ ื•ื—ื•ื–ืจ ืขืœ ืขืฆืžื•, ืื• ืฉื”ืกืžืืจื˜ืคื•ืŸ ืื• ื›ืจื˜ื™ืก ื”-SIM ื™ื™ื’ื ื‘ื•, ืื• ืฉื›ืจื˜ื™ืก ื”-SIM ื™ืฉื•ื›ืคืœ
ื›ืจื˜ื™ืกื™ื ื—ื›ืžื™ื (ื“ื•ื’ืžื”) ืจึฐืฉืื•ึผืช ื›ืจื˜ื™ืก ื”ืžื›ื™ืœ ืฉื‘ื‘ ืงืจื™ืคื˜ื•ื’ืจืคื™ ื•ื–ื™ื›ืจื•ืŸ ืžืคืชื— ืžืื•ื‘ื˜ื— ื”ืžืฉืชืžืฉ ื‘ืชืฉืชื™ืช ืžืคืชื— ืฆื™ื‘ื•ืจื™ ืœืฆื•ืจืš ืื™ืžื•ืช ืขืœื•ืœ ืœื”ื™ื’ื ื‘ ืคื™ื–ื™ืช (ืืš ืชื•ืงืฃ ืœื ื™ื•ื›ืœ ืœื”ืฉืชืžืฉ ื‘ืžื›ืฉื™ืจ ืžื‘ืœื™ ืœื“ืขืช ืืช ืงื•ื“ ื”-PIN; ื‘ืžืงืจื” ืฉืœ ืžืกืคืจ ื ื™ืกื™ื•ื ื•ืช ืงืœื˜ ืฉื’ื•ื™ื™ื, ื”ืžื›ืฉื™ืจ ื™ื™ื—ืกื)
ืžืคืชื—ื•ืช ืื‘ื˜ื—ื” - ืืกื™ืžื•ื ื™ื (ื“ื•ื’ืžื”, ื“ื•ื’ืžื” ืื—ืจืช) ืจึฐืฉืื•ึผืช ื”ืชืงืŸ USB ื”ืžื›ื™ืœ ืฉื‘ื‘ ืงืจื™ืคื˜ื•ื’ืจืคื™ ื•ื–ื™ื›ืจื•ืŸ ืžืคืชื— ืžืื•ื‘ื˜ื— ื”ืžืฉืชืžืฉ ื‘ืชืฉืชื™ืช ืžืคืชื— ืฆื™ื‘ื•ืจื™ ืœืฆื•ืจืš ืื™ืžื•ืช ื ื™ืชืŸ ืœื’ื ื•ื‘ ืคื™ื–ื™ืช (ืืš ืชื•ืงืฃ ืœื ื™ื•ื›ืœ ืœื”ืฉืชืžืฉ ื‘ืžื›ืฉื™ืจ ืœืœื ื™ื“ื™ืขืช ืงื•ื“ ื”-PIN; ื‘ืžืงืจื” ืฉืœ ืžืกืคืจ ื ื™ืกื™ื•ื ื•ืช ื›ื ื™ืกื” ืฉื’ื•ื™ื™ื, ื”ืžื›ืฉื™ืจ ื™ื™ื—ืกื)
ืงื™ืฉื•ืจ ืœืžื›ืฉื™ืจ ืจึฐืฉืื•ึผืช ื”ืชื”ืœื™ืš ืฉื™ื•ืฆืจ ืคืจื•ืคื™ืœ, ืœืจื•ื‘ ื‘ืืžืฆืขื•ืช JavaScript, ืื• ืฉื™ืžื•ืฉ ื‘ืกืžื ื™ื ื›ื’ื•ืŸ ืงื•ื‘ืฆื™ Cookie ื•-Flash Shared Objects ื›ื“ื™ ืœื”ื‘ื˜ื™ื— ืฉืžืฉืชืžืฉื™ื ื‘ืžื›ืฉื™ืจ ืกืคืฆื™ืคื™ ื ื™ืชืŸ ืœื’ื ื•ื‘ (ืœื”ืขืชื™ืง) ืืกื™ืžื•ื ื™ื, ื•ืืคืฉืจ ืœื—ืงื•ืช ืืช ื”ืžืืคื™ื™ื ื™ื ืฉืœ ืžื›ืฉื™ืจ ื—ื•ืงื™ ืขืœ ื™ื“ื™ ืชื•ืงืฃ ื‘ืžื›ืฉื™ืจ ืฉืœื•
ื”ืชื ื”ื’ื•ืช ืื™ื ื”ืจื ื˜ื™ื•ืช ืžื ืชื— ื›ื™ืฆื“ ื”ืžืฉืชืžืฉ ืžืงื™ื™ื ืื™ื ื˜ืจืืงืฆื™ื” ืขื ืžื›ืฉื™ืจ ืื• ืชื•ื›ื ื™ืช ื ื™ืชืŸ ืœื—ืงื•ืช ื”ืชื ื”ื’ื•ืช
ื˜ื‘ื™ืขื•ืช ืืฆื‘ืข ืื™ื ื”ืจื ื˜ื™ื•ืช ื˜ื‘ื™ืขื•ืช ืืฆื‘ืข ืžืื•ื—ืกื ื•ืช ืžื•ืฉื•ื•ืช ืœืืœื• ืฉื ืœื›ื“ื• ื‘ืฆื•ืจื” ืื•ืคื˜ื™ืช ืื• ืืœืงื˜ืจื•ื ื™ืช ื ื™ืชืŸ ืœื’ื ื•ื‘ ืืช ื”ืชืžื•ื ื” ื•ืœื”ืฉืชืžืฉ ื‘ื” ืœืฆื•ืจืš ืื™ืžื•ืช
ืกืจื™ืงืช ืขื™ื ื™ื™ื ืื™ื ื”ืจื ื˜ื™ื•ืช ืžืฉื•ื•ื” ืžืืคื™ื™ื ื™ ืขื™ื ื™ื™ื, ื›ื’ื•ืŸ ื“ืคื•ืก ืงืฉืชื™ืช, ืขื ืกืจื™ืงื•ืช ืื•ืคื˜ื™ื•ืช ื—ื“ืฉื•ืช ื ื™ืชืŸ ืœื’ื ื•ื‘ ืืช ื”ืชืžื•ื ื” ื•ืœื”ืฉืชืžืฉ ื‘ื” ืœืฆื•ืจืš ืื™ืžื•ืช
ื–ื™ื”ื•ื™ ืคื ื™ื ืื™ื ื”ืจื ื˜ื™ื•ืช ืžืืคื™ื™ื ื™ ื”ืคื ื™ื ืžื•ืฉื•ื•ื™ื ืœืกืจื™ืงื•ืช ืื•ืคื˜ื™ื•ืช ื—ื“ืฉื•ืช ื ื™ืชืŸ ืœื’ื ื•ื‘ ืืช ื”ืชืžื•ื ื” ื•ืœื”ืฉืชืžืฉ ื‘ื” ืœืฆื•ืจืš ืื™ืžื•ืช
ื–ื™ื”ื•ื™ ืงื•ืœื™ ืื™ื ื”ืจื ื˜ื™ื•ืช ื”ืžืืคื™ื™ื ื™ื ืฉืœ ื“ื’ื™ืžืช ื”ืงื•ืœ ื”ืžื•ืงืœื˜ืช ืžื•ืฉื•ื•ื™ื ืœื“ื’ื™ืžื•ืช ื—ื“ืฉื•ืช ื ื™ืชืŸ ืœื’ื ื•ื‘ ืืช ื”ืจืฉื•ืžื” ื•ืœื”ืฉืชืžืฉ ื‘ื” ืœืื™ืžื•ืช, ืื• ืœื—ืงื•ืช ืื•ืชื”

ื‘ื—ืœืงื• ื”ืฉื ื™ ืฉืœ ื”ืคืจืกื•ื ืžื—ื›ื™ื ืœื ื• ื”ื“ื‘ืจื™ื ื”ื˜ืขื™ืžื™ื ื‘ื™ื•ืชืจ - ืžืกืคืจื™ื ื•ืขื•ื‘ื“ื•ืช, ืฉืขืœื™ื”ื ืžื‘ื•ืกืกื•ืช ื”ืžืกืงื ื•ืช ื•ื”ื”ืžืœืฆื•ืช ืฉื ื™ืชื ื• ื‘ื—ืœืง ื”ืจืืฉื•ืŸ. ืื™ืžื•ืช ื‘ื™ื™ืฉื•ืžื™ ืžืฉืชืžืฉ ื•ื‘ืžืขืจื›ื•ืช ืืจื’ื•ื ื™ื•ืช ื™ื™ื“ื•ืŸ ื‘ื ืคืจื“.

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