Enkosi kwinkqubela phambili ekhawulezayo kwicandelo lebhanki ngokubhekiselele kwidijithali kunye
ukwandisa uluhlu lweenkonzo zebhanki, ukwandisa rhoqo intuthuzelo kunye nokwandisa izakhono zabaxumi. Kodwa ngelo xesha, ingozi iyanda, kwaye, ngokufanelekileyo, inqanaba leemfuno zokuqinisekisa ukhuseleko lwemali yomxhasi luyanda.
Ilahleko yonyaka evela kubuqhophololo bezemali kwinkalo yeentlawulo ze-intanethi imalunga ne-200 yeebhiliyoni zeerandi. I-38% yazo ziziphumo zokubiwa kwedatha yomuntu siqu yomsebenzisi. Indlela yokuphepha iingozi ezinjalo? Iinkqubo ezichasene nobuqhophololo ziyanceda kule nto.
Inkqubo yanamhlanje yokuchasana nobuqhetseba yindlela evumela, okokuqala, ukuqonda ukuziphatha komxhasi ngamnye kuzo zonke iziteshi zebhanki kunye nokulandelela ngexesha langempela. Iyakwazi ukubona zombini izoyikiso ze-cyber kunye nobuqhetseba bezemali.
Kufuneka kuqatshelwe ukuba ukhuselo luhlala lusemva kohlaselo, ngoko ke injongo yenkqubo elungileyo yokuchasana nobuqhetseba kukunciphisa le lag ukuya ku-zero kwaye kuqinisekiswe ukufunyanwa kwangexesha kunye nokuphendula kwizisongelo ezivelayo.
Namhlanje, icandelo lebhanki lihlaziya ngokuthe ngcembe iqela lalo leenkqubo zokulwa nobuqhetseba kunye nezitsha, ezidalwe kusetyenziswa iindlela ezintsha neziphuculweyo, iindlela kunye nobuchwepheshe, obunje:
- ukusebenza ngedatha eninzi;
- ukufunda koomatshini;
- kukubhadla okungeyonyani;
- i-biometrics yokuziphatha kwexesha elide
- nabanye.
Ndiyabulela kule nto, iinkqubo zokulwa nobuqhetseba ezitsha zibonisa ukwanda okukhulu
ukusebenza kakuhle, ngaphandle kokufuna izibonelelo ezibalulekileyo ezongezelelweyo.
Ukusetyenziswa komatshini wokufunda kunye nobukrelekrele bokwenziwa, ulwazi lwezemali
Amatanki okucinga nge-cybersecurity anciphisa imfuno yabasebenzi abakhulu
iingcali abaqeqeshwe kakhulu kwaye kwenza kube nokwenzeka ukuba kakhulu ukwandisa isantya kunye
ukuchaneka kohlalutyo lwesiganeko.
Kanye kunye nokusetyenziswa kwe-biometrics yokuziphatha kwexesha elide, kunokwenzeka ukufumanisa "ukuhlaselwa kwe-zero-day" kunye nokunciphisa inani lezinto zobuxoki. Inkqubo yokulwa nobuqhetseba kufuneka ibonelele ngeendlela ezininzi zokuqinisekisa ukhuseleko lwentengiselwano (isixhobo sokuphela - iseshoni - ishaneli - ukhuseleko lwamajelo amaninzi - ukusetyenziswa kwedatha kwii-SOC zangaphandle). Ukhuseleko akufuneki luphele ngoqinisekiso lomsebenzisi kunye nentengiselwano yokuqinisekisa ingqibelelo.
Inkqubo yomgangatho ophezulu yanamhlanje yokulwa nobuqhetseba ikuvumela ukuba ungaphazamisi umxhasi xa kungekho mfuneko, umzekelo, ngokumthumela igama eliyimfihlo lexesha elilodwa ukuze uqinisekise ukungena kwi-akhawunti yakhe. Oku kuphucula amava akhe ekusebenziseni iinkonzo zebhanki kwaye, ngokufanelekileyo, kuqinisekisa ukuzimela ngokuyinxalenye, ngelixa ukwandisa kakhulu izinga lokuthembela. Kufuneka kuqatshelwe ukuba inkqubo yokulwa nobuqhetseba ngumthombo obalulekileyo, ekubeni ukuyeka ukusebenza kwayo kunokukhokelela ekumiseni inkqubo yoshishino, okanye, ukuba inkqubo ayisebenzi ngokuchanekileyo, ukunyuka komngcipheko wokulahlekelwa yimali. Ngoko ke, xa ukhetha inkqubo, kufuneka ubeke ingqalelo ekuthembekeni kokusebenza, ukhuseleko lokugcinwa kwedatha, ukunyamezela impazamo, kunye nokunciphisa inkqubo.
Inkalo ebalulekileyo nayo kukukhululeka kokuthunyelwa kwenkqubo yokulwa nobuqhetseba kunye nokukhululeka kwayo
ukudibanisa neenkqubo zolwazi zebhanki. Kwangaxeshanye, kufuneka uyiqonde loo nto
ukuhlanganiswa kufuneka kube yeyona nto ifunekayo njengoko inokuchaphazela isantya kunye
ukusebenza kakuhle kwenkqubo.
Ngomsebenzi weengcali, kubaluleke kakhulu ukuba inkqubo ine-interface yomsebenzisi-friendly kwaye yenza kube lula ukufumana ulwazi oluneenkcukacha malunga nesiganeko. Ukumisela imithetho yamanqaku kunye nezenzo kufuneka kube lula kwaye kube lula.
Namhlanje kukho inani lezisombululo ezaziwayo-kakuhle kwiimarike zeenkqubo zokulwa nobuqhetseba:
ThreatMark
Isisombululo se-AntiFraudSuite esivela kwi-ThreatMark, nangona siselula kakhulu kwimarike yeenkqubo zokulwa nobuqhophololo, sikwazile ukuza kuGartner. I-AntiFraudSuite ibandakanya ukukwazi ukubona izoyikiso ze-cyber kunye nobuqhetseba bezemali. Ukusetyenziswa kokufundwa komatshini, ubukrelekrele bokwenziwa kunye ne-biometrics yokuziphatha kwexesha elide likuvumela ukuba uchonge izisongelo ngexesha langempela kwaye unokufumanisa ukuchaneka okuphezulu kakhulu.
INTLE
Isisombululo se-Nice Actimize esivela kwi-NICE siseklasini yamaqonga okuhlalutya kwaye ivumela ukufunyanwa kobuqhetseba bezemali ngexesha langempela. Inkqubo ibonelela ngokhuseleko kuzo zonke iintlobo zeentlawulo, kubandakanywa i-SWIFT / Wire, Iintlawulo ezikhawulezayo, iintlawulo ze-BACS SEPA, ii-ATM / ii-Debit transactions, iintlawulo zeBulk, iintlawulo zeBhili, iintlawulo ze-P2P / zeposi kunye neendlela ezahlukeneyo zokudluliselwa kwasekhaya.
RSA
I-RSA Transaction Monitoring kunye ne-Adaptive Authentication evela eRSA yeyeklasi
amaqonga ohlalutyo. Inkqubo ikuvumela ukuba ubone iinzame zobuqhetseba ngexesha lokwenyani kwaye ubeke iliso kwintengiselwano emva kokuba umsebenzisi engene kwinkqubo, ekuvumela ukuba ukhusele i-MITM (iNdoda ePhakathi) kunye ne-MITB (iNdoda kwi-Browser).
SAS
I-SAS fraud and Security Intelligence (SAS FSI) liqonga elinye lokusombulula iingxaki zokuthintela ukuthengiselana, i-credit, yangaphakathi kunye nezinye iintlobo zobuqhetseba bezemali. Isisombululo sidibanisa ukulungiswa kakuhle kwemithetho yezoshishino kunye nobuchwepheshe bokufunda ngomatshini ukukhusela ubuqhetseba kunye nenqanaba elincinci lezinto zobuxoki. Inkqubo ibandakanya iindlela zokudibanisa eyakhelwe-ngaphakathi kunye nemithombo yedatha ye-intanethi kunye ne-intanethi.
F5
I-F5 WebSafe sisisombululo sokukhusela kwizisongelo ze-cyber kwicandelo lezemali ukusuka kwi-F5. Ikuvumela ukuba ubone ukubiwa kwe-akhawunti, iimpawu zosulelo lwe-malware, i-keylogging, i-phishing, i-remote access Trojans, kunye ne-MITM (iNdoda ePhakathi), i-MITB (iNdoda kwi-Browser) kunye ne-MITP (iNdoda efowunini) ukuhlaselwa ).
IBM
I-IBM Trusteer Rapport esuka kwi-IBM yenzelwe ukukhusela abasebenzisi kwi-credential sniffing, i-screen capture, i-malware kunye nokuhlaselwa kwe-phishing, kuquka i-MITM (iNdoda ePhakathi) kunye ne-MITB (iNdoda kwi-Browser). Ukufezekisa oku, i-IBM Trusteer Rapport isebenzisa itekhnoloji yokufunda koomatshini ukuze ibone ngokuzenzekelayo kwaye isuse i-malware kwisixhobo sokugqibela, iqinisekisa iseshoni ekhuselekileyo ye-intanethi.
Guardian Analytics
Inkqubo yeDigital Banking yokuFumana ubuqhophololo kwi-Guardian Analytics yiqonga lokuhlalutya. Ngelo xesha, i-Digital Banking Fruud Detection ikhusela kwiinzame zokuthatha i-akhawunti yomxhasi, ukudluliselwa kobuqhetseba, ukukhwabanisa kunye ne-MITB (iNdoda kwi-Browser) ukuhlaselwa ngexesha langempela. Kumsebenzisi ngamnye, iprofayili yenziwa, ngesiseko apho ukuziphatha okungaqhelekanga kubonwa.
Ukukhethwa kwenkqubo yokulwa nobuqhetseba kufuneka kwenziwe, okokuqala, ngokuqonda iimfuno zakho: kufuneka ibe yindawo yokuhlalutya yokuchonga ubuqhetseba bezemali, isisombululo sokukhusela izisongelo ze-cyber, okanye isisombululo esibanzi esinika zombini. Inani lezisombululo linokudityaniswa kunye, kodwa kaninzi inkqubo enye evumela ukuba sisombulule iingxaki esijongene nazo iya kusebenza kakhulu.
Umbhali: Artemy Kabantsov,
umthombo: www.habr.com