Ka lebaka la tsoelo-pele e potlakileng lefapheng la libanka ho ea ho digitalization le
ho eketsa mefuta e mengata ea litšebeletso tsa banka, kamehla ho eketsa matšeliso le ho atolosa bokhoni ba bareki. Empa ka nako e ts'oanang, likotsi li eketseha, 'me, ho latela, boemo ba litlhoko tsa ho netefatsa ts'ireletso ea lichelete tsa bareki bo eketseha.
Tahlehelo ea selemo le selemo e tsoang bomenemeneng ba lichelete tšimong ea litefo tsa inthanete e ka ba $200 bilione. 38% ea bona ke litholoana tsa bosholu ba data ea mosebelisi. U ka qoba likotsi tse joalo joang? Litsamaiso tsa antifraud li thusa ka sena.
Sistimi ea sejoale-joale e khahlanong le bomenemene ke mokhoa o lumellang, pele ho tsohle, ho utloisisa boitšoaro ba moreki e mong le e mong mecheng eohle ea banka le ho e latela ka nako ea nnete. E ka lemoha litšokelo tsa cyber le bomenemene ba lichelete.
Ho lokela ho hlokomeloa hore ts'ireletso hangata e salla morao tlhaselong, kahoo sepheo sa tsamaiso e ntle e khahlanong le bomenemene ke ho fokotsa sekhahla sena ho fihlela ho zero le ho netefatsa hore ho fumanoa ka nako le ho arabela litšokelo tse hlahang.
Kajeno, lefapha la libanka le ntse le ntlafatsa butle-butle sehlopha sa eona sa litsamaiso tsa khale tse khahlanong le bosholu ka tse ncha, tse thehiloeng ho sebelisoa mekhoa e mecha le e ntlafalitsoeng, mekhoa le mahlale a kang:
- ho sebetsa ka bongata ba data;
- ho ithuta ka mochine;
- bohlale ba maiketsetso;
- biometrics ea nako e telele ea boitšoaro
- le ba bang.
Ka lebaka la sena, litsamaiso tsa antifraud tsa moloko o mocha li bontša keketseho e kholo ea
ho sebetsa hantle, ntle le ho hloka lisebelisoa tsa bohlokoa tse eketsehileng.
Tšebeliso ea ho ithuta ka mochine le bohlale ba maiketsetso, tlhahisoleseding ea lichelete
cybersecurity think tanks e fokotsa tlhokeho ea basebetsi ba bangata
litsebi tse tšoanelehang haholo 'me e etsa hore ho khonehe ho eketsa lebelo haholo le
nepahalo ya tshekatsheko ya ketsahalo.
Hammoho le ts'ebeliso ea li-biometric tsa nako e telele tsa boitšoaro, hoa khoneha ho lemoha "litlhaselo tsa matsatsi a zero" le ho fokotsa palo ea lintlha tse fosahetseng. Sistimi e khahlano le bomenemene e tlameha ho fana ka mokhoa oa maemo a mangata ho netefatsa ts'ireletso ea transaction (sesebelisoa sa ho qetela - seboka - kanale - ts'ireletso ea likanale tse ngata - ts'ebeliso ea data ho tsoa ho li-SOC tsa kantle). Ts'ireletso ha ea lokela ho fela ka netefatso ea mosebelisi le netefatso ea botšepehi ba transaction.
Sistimi ea boleng bo holimo ea sejoale-joale e khahlanong le bomenemene e u lumella hore u se ke ua tšoenya moreki ha ho sa hlokahale, mohlala, ka ho mo romella phasewete ea nako e le 'ngoe ho netefatsa ho kena akhaonteng ea hae ea botho. Sena se ntlafatsa phihlelo ea hae ea ho sebelisa litšebeletso tsa banka 'me, ka hona, se tiisa ho iphelisa ka mokhoa o itseng, ha ho ntse ho eketsa haholo boemo ba tšepo. Hoa lokela ho hlokomeloa hore tsamaiso e khahlanong le bolotsana ke mohloli oa bohlokoa, kaha ho emisa ts'ebetso ea eona ho ka lebisa ho emisa ts'ebetsong ea khoebo, kapa, haeba tsamaiso e sa sebetse ka nepo, ho eketsa kotsi ea tahlehelo ea lichelete. Ka hona, ha u khetha sistimi, u lokela ho ela hloko ts'epo ea ts'ebetso, ts'ireletso ea polokelo ea data, mamello ea liphoso le scalability ea sistimi.
Ntlha ea bohlokoa hape ke boiketlo ba ho tsamaisoa ha tsamaiso e khahlanong le bomenemene le boiketlo ba eona
ho kopanya le litsamaiso tsa tlhahisoleseling tsa banka. Ka nako e tšoanang, u lokela ho utloisisa seo
kopanyo e lokela ho ba bonyane bo hlokahalang kaha e ka ama lebelo le
katleho ea tsamaiso.
Bakeng sa mosebetsi oa litsebi, ke habohlokoa haholo hore tsamaiso e be le sebopeho se bonolo sa mosebedisi 'me e etsa hore ho khonehe ho fumana boitsebiso bo qaqileng ka ho fetisisa mabapi le ketsahalo. Ho theha melao le liketso tsa lintlha ho lokela ho ba bonolo le ho ba bonolo.
Kajeno ho na le litharollo tse ngata tse tsebahalang 'marakeng oa anti-fraud system:
ThreatMark
Tharollo ea AntiFraudSuite e tsoang ho ThreatMark, leha e ne e le monyane haholo 'marakeng oa antifraud system, e ile ea khona ho fihla tlhokomelong ea Gartner. AntiFraudSuite e kenyelletsa bokhoni ba ho bona litšokelo tsa marang-rang le bomenemene ba lichelete. Tšebeliso ea ho ithuta ka mochine, bohlale ba maiketsetso le li-biometric tsa nako e telele tsa boitšoaro li u lumella ho tseba litšokelo ka nako ea sebele 'me li na le ho nepahala ho phahameng haholo.
NICE
Tharollo ea Nice Actimize e tsoang ho NICE ke ea sehlopha sa li-platform tsa analytical mme e lumella ho lemoha bomenemene ba lichelete ka nako ea sebele. Sistimi e fana ka ts'ireletso bakeng sa mefuta eohle ea litefo, ho kenyeletsoa SWIFT / Wire, Litefiso tse Potlakileng, Litefiso tsa BACS SEPA, transactions ea ATM / Debit, Litefiso tsa Bongata, Litefiso tsa Bill, P2P / poso le mefuta e fapaneng ea phetisetso ea lapeng.
RSA
RSA Transaction Monitoring and Adaptive Authentication ho tsoa RSA ke ea sehlopha
li-platform tsa tlhahlobo. Sistimi e u lumella ho bona liteko tsa bomenemene ka nako ea nnete le ho lekola litšebelisano ka mor'a hore mosebelisi a kene ka har'a sistimi, e u lumellang ho itšireletsa khahlanong le litlhaselo tsa MITM (Man in the Middle) le MITB (Man in the Browser).
SAS
SAS Fraud and Security Intelligence (SAS FSI) ke sethala se le seng sa ho rarolla mathata a ho thibela bomenemene ba khoebo, mokitlane, ka hare le mefuta e meng ea bomenemene ba lichelete. Tharollo e kopanya ho lokisoa hantle ha melao ea khoebo le mahlale a ho ithuta ka mochini ho thibela bosholu ka bonyane ba lintlha tse fosahetseng. Sistimi e kenyelletsa mekhoa ea ho kopanya e hahelletsoeng le mehloli ea data ea inthaneteng le kantle ho marang-rang.
F5
F5 WebSafe ke tharollo ea ho sireletsa khahlanong le litšokelo tsa cyber lefapheng la lichelete ho tloha F5. E u lumella ho bona bosholu ba ak'haonte, matšoao a ts'oaetso ea malware, keylogging, phishing, Trojans ea phihlello e hole, hammoho le MITM (Man in the Middle), MITB (Man in the Browser) le MITP (Man in the Phone) litlhaselo ).
IBM
IBM Trusteer Rapport e tsoang ho IBM e etselitsoe ho sireletsa basebelisi khahlanong le ho fofonela, ho nkuoa skrineng, malware le litlhaselo tsa phishing, ho kenyeletsoa litlhaselo tsa MITM (Man in the Middle) le MITB (Man in the Browser). Ho fihlela sena, IBM Trusteer Rapport e sebelisa mahlale a ho ithuta ka mochini ho bona le ho tlosa malware sesebelisoa sa ho qetela, ho netefatsa nako e sireletsehileng ea inthanete.
Guardian Analytics
The Digital Banking Detection System ho tsoa ho Guardian Analytics ke sethala sa tlhahlobo. Ka nako e ts'oanang, Tlhahlobo ea Bomenemene ea Digital Banking e sireletsa khahlanong le boiteko ba ho nka akhaonto ea bareki, ho fetisoa ka bolotsana, phishing le MITB (Man in the Browser) litlhaselo ka nako ea sebele. Bakeng sa mosebelisi e mong le e mong, profil e entsoe, motheong oa hore boitšoaro bo sa tloaelehang bo lemohuoa.
Khetho ea tsamaiso e khahlanong le bomenemene e lokela ho etsoa, pele ho tsohle, ka kutloisiso ea litlhoko tsa hau: e lokela ho ba sethala sa tlhahlobo bakeng sa ho khetholla bolotsana ba lichelete, tharollo ea ho sireletsa litšokelo tsa cyber, kapa tharollo e pharaletseng e fanang ka bobeli. Litharollo tse 'maloa li ka kopanngoa le tse ling, empa hangata tsamaiso e le' ngoe e re lumellang ho rarolla mathata ao re tobanang le 'ona e tla sebetsa ka ho fetisisa.
Mongoli: Artemy Kabantsov,
Source: www.habr.com