Sibonga inqubekelaphambili esheshayo emkhakheni wamabhange ekufezeni idijithali kanye
ukwandisa ububanzi bezinsizakalo zebhange, ukwandisa njalo ukunethezeka nokwandisa amakhono amaklayenti. Kodwa ngesikhathi esifanayo, izingozi ziyanda, futhi, ngokufanele, izinga lezidingo zokuqinisekisa ukuphepha kwezimali zeklayenti landa.
Ukulahlekelwa konyaka ngenxa yokukhwabanisa kwezezimali emkhakheni wezinkokhelo ze-inthanethi cishe kungama-dollar ayizigidi eziyizinkulungwane ezingu-200. Ama-38% awo angumphumela wokwebiwa kwedatha yomuntu siqu yomsebenzisi. Ungazigwema kanjani izingozi ezinjalo? Izinhlelo zokulwa nokukhwabanisa ziyasiza kulokhu.
Uhlelo lwesimanje lokulwa nokukhwabanisa luyindlela evumela, okokuqala nje, ukuqonda ukuziphatha kweklayenti ngalinye kuzo zonke iziteshi zamabhange futhi ilandelele ngesikhathi sangempela. Ingathola kokubili izinsongo ze-cyber kanye nokukhwabanisa kwezezimali.
Kumele kuqashelwe ukuthi ukuzivikela kuvame ukusala ngemuva kokuhlaselwa, ngakho-ke umgomo wohlelo oluhle lokulwa nokukhwabanisa ukwehlisa lokhu kubambezeleka kuye kuqanda futhi kuqinisekiswe ukutholwa kanye nokusabela ngesikhathi ezinsongweni ezivelayo.
Namuhla, umkhakha wamabhange kancane kancane ubuyekeza uxhaxha lwawo lwezinhlelo zokulwa nokukhwabanisa eseziphelelwe yisikhathi ngezintsha, ezidalwe kusetshenziswa izindlela ezintsha nezithuthukisiwe, izindlela nobuchwepheshe obufana nalokhu:
- ukusebenza ngenani elikhulu ledatha;
- ukufunda ngomshini;
- ukuhlakanipha okungekhona okwangempela;
- i-biometric yokuziphatha yesikhathi eside
- nabanye.
Ngenxa yalokhu, izinhlelo ezintsha zokulwa nokukhwabanisa zibonisa ukwanda okukhulu
ukusebenza kahle, ngaphandle kokudinga izinsiza ezibalulekile ezengeziwe.
Ukusetshenziswa komshini wokufunda nobuhlakani bokwenziwa, ulwazi lwezezimali
i-cybersecurity think tanks inciphisa isidingo sabasebenzi abakhulu
ochwepheshe abaqeqeshiwe kakhulu futhi kwenza kube nokwenzeka ukwandisa kakhulu isivinini kanye
ukunemba kokuhlaziywa komcimbi.
Kanye nokusetshenziswa kwe-biometrics yokuziphatha yesikhathi eside, kungenzeka ukuthola "ukuhlaselwa kwezinsuku eziyiziro" futhi unciphise inani lezinto ezingamanga. Uhlelo lokulwa nokukhwabanisa kufanele lunikeze indlela enamazinga amaningi yokuqinisekisa ukuphepha kokwenziwe (idivayisi yokuqeda - iseshini - isiteshi - ukuvikelwa kweziteshi eziningi - ukusetshenziswa kwedatha evela kuma-SOC angaphandle). Ukuvikeleka akufanele kuphele ngokugunyazwa komsebenzisi nokuqinisekisa ubuqotho bokwenziwe.
Uhlelo lwesimanje lokulwa nokukhwabanisa olusezingeni eliphezulu likuvumela ukuthi ungaphazamisi iklayenti uma singekho isidingo salo, isibonelo, ngokumthumelela iphasiwedi yesikhathi esisodwa ukuze uqinisekise ukungena ku-akhawunti yakhe yomuntu siqu. Lokhu kuthuthukisa isipiliyoni sakhe ekusebenziseni izinsizakalo zebhange futhi, ngokufanelekile, kuqinisekisa ukuzimela ngokwengxenye, kuyilapho kukhulisa kakhulu izinga lokuthembela. Kumele kuqashelwe ukuthi uhlelo lokulwa nokukhwabanisa luyisisetshenziswa esibalulekile, ngoba ukuyeka ukusebenza kwalo kungaholela ekumiseni inqubo yebhizinisi, noma, uma uhlelo lungasebenzi kahle, ukwanda kwengozi yokulahlekelwa kwezimali. Ngakho-ke, lapho ukhetha isistimu, kufanele unake ukwethembeka kokusebenza, ukuphepha kokugcinwa kwedatha, ukubekezelela amaphutha, nokulinganisa kwesistimu.
Isici esibalulekile futhi ukukhululeka kokuthunyelwa kohlelo lokulwa nokukhwabanisa kanye nokukhululeka kwalo
ukuhlanganiswa nezinhlelo zolwazi lwasebhange. Ngesikhathi esifanayo, udinga ukukuqonda lokho
ukuhlanganiswa kufanele kube okungenani okudingekayo njengoba kungase kuthinte isivinini futhi
ukusebenza kahle kohlelo.
Ngomsebenzi wochwepheshe, kubaluleke kakhulu ukuthi uhlelo lube nesixhumi esibonakalayo esisebenziseka kalula futhi lwenza kube lula ukuthola ulwazi oluningiliziwe mayelana nomcimbi. Ukusetha imithetho nezenzo zamaphuzu kufanele kube lula futhi kube lula.
Namuhla kunenani lezixazululo ezaziwayo emakethe yezinhlelo zokulwa nokukhwabanisa:
ThreatMark
Isixazululo se-AntiFraudSuite esivela ku-ThreatMark, naphezu kokuba sisebancane emakethe yezinhlelo zokulwa nokukhwabanisa, sikwazile ukunakwa u-Gartner. I-AntiFraudSuite ihlanganisa ikhono lokubona izinsongo ze-cyber kanye nokukhwabanisa kwezezimali. Ukusetshenziswa komshini wokufunda, ubuhlakani bokwenziwa kanye ne-biometrics yokuziphatha yesikhathi eside ikuvumela ukuthi ubone izinsongo ngesikhathi sangempela futhi unokunemba okuphezulu kakhulu kokutholwa.
NICE
Isixazululo se-Nice Actimize esivela ku-NICE singesekilasi lezinkundla zokuhlaziya futhi sivumela ukutholwa kokukhwabanisa kwezezimali ngesikhathi sangempela. Uhlelo luhlinzeka ngokuvikeleka kwazo zonke izinhlobo zokukhokha, okuhlanganisa i-SWIFT/Wire, Izinkokhelo Ezisheshayo, izinkokhelo ze-BACS SEPA, ukuthengiselana nge-ATM/Debit, izinkokhelo ngobuningi, izinkokhelo zeBill, izinkokhelo ze-P2P/zeposi kanye nezinhlobo ezihlukahlukene zokudluliselwa kwasekhaya.
RSA
I-RSA Transaction Monitoring and Adaptive Authentication evela kwa-RSA ingeyekilasi
izinkundla zokuhlaziya. Uhlelo lukuvumela ukuthi uthole imizamo yokukhwabanisa ngesikhathi sangempela futhi luqaphe okwenziwayo ngemuva kokuthi umsebenzisi engene ohlelweni, okukuvumela ukuthi uvikele ekuhlaselweni kwe-MITM (Indoda Ephakathi) kanye ne-MITB (Indoda Esipheqululini).
SAS
I-SAS Fraud and Security Intelligence (i-SAS FSI) iyinkundla eyodwa yokuxazulula izinkinga zokuvimbela ukukhwabanisa kwemali, izikweletu, kwangaphakathi nezinye izinhlobo zokukhwabanisa kwezezimali. Isixazululo sihlanganisa ukucushwa kahle kwemithetho yebhizinisi nobuchwepheshe bokufunda komshini ukuze kuvinjelwe ukukhwabanisa ngezinga eliphansi lezinto ezingamanga. Uhlelo luhlanganisa izindlela zokuhlanganisa ezakhelwe ngaphakathi nemithombo yedatha eku-inthanethi nengaxhunyiwe ku-inthanethi.
F5
I-F5 WebSafe iyisixazululo sokuvikela ezinsongweni ze-inthanethi emkhakheni wezezimali kusuka ku-F5. Ikuvumela ukuthi ubone ukwebiwa kwe-akhawunti, izimpawu zokutheleleka nge-malware, i-keylogging, ubugebengu bokweba imininingwane ebucayi, iTrojan yokufinyelela kude, kanye nokuhlasela kwe-MITM (Indoda Ephakathi), MITB (Indoda Esipheqululini) kanye ne-MITP (Indoda Efonini).
IBM
I-IBM Trusteer Rapport evela ku-IBM yakhelwe ukuvikela abasebenzisi ekuhogelweni kokuqinisekisa, ukuthatha isikrini, uhlelo olungayilungele ikhompuyutha nobugebengu bokweba imininingwane ebucayi, okuhlanganisa ukuhlaselwa kwe-MITM (Indoda Ephakathi) kanye ne-MITB (Indoda Esipheqululini). Ukuze kuzuzwe lokhu, i-IBM Trusteer Rapport isebenzisa ubuchwepheshe bokufunda komshini ukuze ithole ngokuzenzakalelayo futhi isuse uhlelo olungayilungele ikhompuyutha kudivayisi yokugcina, iqinisekisa iseshini evikelekile ye-inthanethi.
I-Guardian Analytics
Uhlelo Lokuthola Ukukhwabanisa Kwebhange Ledijithali oluvela ku-Guardian Analytics luyinkundla yokuhlaziya. Ngesikhathi esifanayo, Ukutholwa Kokukhwabanisa Kwebhange Ledijithali kuvikela emizamweni yokuthatha i-akhawunti yeklayenti, ukudluliselwa kokukhwabanisa, ubugebengu bokweba imininingwane ebucayi kanye nokuhlaselwa kwe-MITB (Indoda Esipheqululini) ngesikhathi sangempela. Kumsebenzisi ngamunye, kwakhiwa iphrofayili, ngesisekelo lapho ukuziphatha okungavamile kubonakala khona.
Ukukhethwa kohlelo lokulwa nokukhwabanisa kufanele kwenziwe, okokuqala, ngokuqonda izidingo zakho: kufanele kube inkundla yokuhlaziya yokuhlonza ukukhwabanisa kwezezimali, isixazululo sokuvikela izinsongo ze-inthanethi, noma isixazululo esibanzi esikunikeza kokubili. Izixazululo eziningi zingahlanganiswa nomunye nomunye, kodwa ngokuvamile uhlelo olulodwa olusivumela ukuthi sixazulule izinkinga esibhekene nazo zizosebenza kakhulu.
Umbhali: u-Artemy Kabantsov,
Source: www.habr.com