Chifukwa cha kupita patsogolo kwachangu mu gawo la banki kupita ku digito ndi
kuchulukitsa ntchito zamabanki, kumawonjezera chitonthozo ndikukulitsa luso lamakasitomala. Koma panthawi imodzimodziyo, zoopsa zimawonjezeka, ndipo, motero, mlingo wa zofunikira zowonetsetsa kuti chitetezo cha ndalama za kasitomala chikuwonjezeka.
Kuwonongeka kwapachaka kuchokera ku chinyengo chandalama pankhani yolipira pa intaneti ndi pafupifupi $200 biliyoni. 38% yaiwo ndi chifukwa cha kuba kwa data yamunthu. Kodi mungapewe bwanji ngozi zoterezi? Machitidwe oletsa chinyengo amathandiza pa izi.
Njira yamakono yolimbana ndi chinyengo ndi njira yomwe imalola, choyamba, kumvetsetsa khalidwe la kasitomala aliyense m'mabanki onse ndikutsata nthawi yeniyeni. Imatha kuzindikira ziwopsezo za pa intaneti komanso zachinyengo zachuma.
Tiyenera kuzindikira kuti chitetezo nthawi zambiri chimatsalira kumbuyo, kotero cholinga cha njira yabwino yolimbana ndi chinyengo ndikuchepetsa kuchepa kwa zero ndikuwonetsetsa kuzindikirika komanso kuyankha paziwopsezo zomwe zikubwera.
Masiku ano, mabanki akusintha pang'onopang'ono gulu lake la machitidwe akale odana ndi chinyengo ndi atsopano, omwe amapangidwa pogwiritsa ntchito njira zatsopano, njira ndi matekinoloje, monga:
- kugwira ntchito ndi data yambiri;
- kuphunzira makina;
- nzeru zochita kupanga;
- ma biometric okhala ndi nthawi yayitali
- ndi ena.
Chifukwa cha izi, machitidwe oletsa chinyengo m'badwo watsopano akuwonetsa kuwonjezeka kwakukulu
kuchita bwino, popanda kufunikira kowonjezera zowonjezera.
Kugwiritsa ntchito makina ophunzirira ndi luntha lochita kupanga, zambiri zachuma
cybersecurity think tanks amachepetsa kufunikira kwa antchito akuluakulu
akatswiri oyenerera kwambiri ndipo zimapangitsa kuti ziwonjezeke kwambiri liwiro ndi
kulondola kwa kusanthula zochitika.
Pamodzi ndi kugwiritsa ntchito ma biometric a nthawi yayitali, ndizotheka kuzindikira "kuukira kwa tsiku la zero" ndikuchepetsa kuchuluka kwa zolakwika. Dongosolo lotsutsana ndi chinyengo liyenera kupereka njira zambiri zowonetsetsa kuti chitetezo cha malonda (chida chomaliza - gawo - njira - chitetezo cha njira zambiri - kugwiritsa ntchito deta kuchokera ku ma SOC akunja). Chitetezo sichiyenera kutha ndi kutsimikizira kwa wogwiritsa ntchito komanso kutsimikizira kukhulupirika kwazochitika.
Dongosolo lamakono lamakono lotsutsana ndi chinyengo limakupatsani mwayi kuti musasokoneze kasitomala pamene palibe chifukwa chake, mwachitsanzo, pomutumizira chinsinsi cha nthawi imodzi kuti atsimikizire kulowa mu akaunti yake. Izi zimakulitsa luso lake logwiritsa ntchito ntchito za banki ndipo, motero, zimatsimikizira kudzidalira pang'ono, pamene zikuwonjezera kwambiri chikhulupiliro. Tikumbukenso kuti dongosolo odana ndi chinyengo ndi gwero zofunika kwambiri, chifukwa kusiya ntchito yake kungayambitse mwina kuima mu ndondomeko ya bizinesi, kapena, ngati dongosolo sagwira ntchito bwino, kuonjezera chiwopsezo cha kutaya ndalama. Chifukwa chake, posankha dongosolo, muyenera kulabadira kudalirika kwa magwiridwe antchito, chitetezo chosungirako deta, kulolerana ndi zolakwika, komanso scalability.
Mbali yofunika ndikumasuka kwa kutumizidwa kwa anti-chinyengo dongosolo ndi kumasuka kwake
kuphatikiza ndi machitidwe a zidziwitso za banki. Panthawi imodzimodziyo, muyenera kumvetsetsa zimenezo
kuphatikiza kuyenera kukhala kocheperako komwe kungakhudze liwiro komanso
Kuchita bwino kwadongosolo.
Kwa ntchito ya akatswiri, ndizofunika kwambiri kuti dongosololi likhale ndi mawonekedwe ogwiritsira ntchito ndipo limapangitsa kuti apeze zambiri zatsatanetsatane za chochitikacho. Kukhazikitsa malamulo opangira zigoli ndi zochita kuyenera kukhala kosavuta komanso kosavuta.
Masiku ano pali njira zingapo zodziwika bwino pamsika wa anti-fraud systems:
ThreatMark
Yankho la AntiFraudSuite lochokera ku ThreatMark, ngakhale linali laling'ono kwambiri pamsika wa antifraud systems, lidatha kubwera kwa Gartner. AntiFraudSuite imaphatikizapo kuthekera kozindikira ziwopsezo za pa intaneti komanso chinyengo chazachuma. Kugwiritsa ntchito makina ophunzirira, luntha lochita kupanga komanso ma biometric a nthawi yayitali amakulolani kuti muzindikire zowopseza mu nthawi yeniyeni ndipo muli ndi kulondola kwapamwamba kwambiri.
NICE
Yankho la Nice Actimize kuchokera ku NICE ndi la gulu la nsanja zowunikira ndipo limalola kuzindikira zachinyengo zachuma munthawi yeniyeni. Dongosololi limapereka chitetezo pamitundu yonse yamalipiro, kuphatikiza SWIFT / Wire, Malipiro Achangu, Malipiro a BACS SEPA, ATM / Debit transactions, Malipiro ambiri, Malipiro a Bili, Malipiro a P2P / positi ndi mitundu yosiyanasiyana yosinthira kunyumba.
RSA
RSA Transaction Monitoring and Adaptive Authentication kuchokera ku RSA ndi ya kalasi
nsanja zowunikira. Dongosololi limakupatsani mwayi wowona zoyeserera zachinyengo munthawi yeniyeni ndikuwunika zochitika pambuyo poti wogwiritsa ntchito alowa mudongosolo, zomwe zimakulolani kuti muteteze ku MITM (Man in the Middle) ndi MITB (Man in the Browser).
SAS
SAS Fraud and Security Intelligence (SAS FSI) ndi nsanja imodzi yothetsera mavuto oletsa kugulitsa, ngongole, mkati ndi mitundu ina yachinyengo chandalama. Yankho lake limaphatikiza kukonza bwino kwa malamulo abizinesi ndi matekinoloje ophunzirira makina kuti mupewe chinyengo chokhala ndi zolakwika zochepa. Dongosololi limaphatikizapo njira zophatikizira zomangidwira ndi magwero a data pa intaneti komanso osapezeka pa intaneti.
F5
F5 WebSafe ndi yankho loteteza ku ziwopsezo za cyber mu gawo lazachuma kuchokera ku F5. Kumakuthandizani kuti azindikire kuba akaunti, zizindikiro za matenda a pulogalamu yaumbanda, keylogging, phishing, kutali Trojans, komanso MITM (Man in the Middle), MITB (Man in the Browser) ndi MITP (Man in the Phone) kuukira ).
IBM
IBM Trusteer Rapport yochokera ku IBM idapangidwa kuti iteteze ogwiritsa ntchito kununkhiza, kujambula pakompyuta, pulogalamu yaumbanda komanso chinyengo, kuphatikiza kuwukira kwa MITM (Man in the Middle) ndi MITB (Man in the Browser). Kuti izi zitheke, IBM Trusteer Rapport imagwiritsa ntchito matekinoloje ophunzirira makina kuti izindikire ndikuchotsa pulogalamu yaumbanda pachida chomaliza, ndikuwonetsetsa kuti pamakhala gawo lotetezedwa pa intaneti.
Guardian Analytics
Dongosolo la Digital Banking Detection Detection kuchokera ku Guardian Analytics ndi nsanja yowunikira. Panthawi imodzimodziyo, Kuzindikira Kwachinyengo Kwabanki Pakompyuta kumateteza ku zoyesayesa kulanda akaunti ya kasitomala, kusamutsa mwachinyengo, phishing ndi kuukira kwa MITB (Man in the Browser) munthawi yeniyeni. Kwa wogwiritsa ntchito aliyense, mbiri imapangidwa, pamaziko omwe khalidwe lachilendo limadziwika.
Kusankhidwa kwa njira yotsutsa chinyengo kuyenera kupangidwa, choyamba, ndikumvetsetsa zosowa zanu: iyenera kukhala nsanja yowunikira kuti mudziwe zachinyengo zachuma, njira yothetsera kuopseza kwa cyber, kapena yankho lathunthu lomwe limapereka zonse ziwiri. Njira zingapo zingathe kuphatikizidwa wina ndi mzake, koma nthawi zambiri dongosolo limodzi lomwe limatithandiza kuthetsa mavuto omwe timakumana nawo lidzakhala lothandiza kwambiri.
Wolemba: Artemy Kabantsov,
Source: www.habr.com