怎樣進行網上支付纔放心 哪裡存在安全隱患?

  網上支付對於很多人來說並不陌生。你也許通過某家商業銀行的網上銀行轉賬、支付交易保證金,或是通過一些專業的網上支付服務商(如『支付寶』)進行過網上購物在線支付。所有這些通過互聯網進行的支付方式都是網上支付。

  網上支付受歡迎程度並不一致。一方面,很多人感受到互聯網支付的快捷和方便,從而對網上支付情有獨鍾,他們覺得網上支付可以明顯減少到銀行的往來奔波之苦、可以免除排隊的煩勞;另一方面,一部分人對網上支付退避三捨,不敢輕易嘗試網上支付。經調查分析,不同人群對待網上支付的不同態度在很大程度上是由於他們對網上支付安全擔心程度不同所致。也就是說,對於後者,他們覺得網上支付需要更好的安全保障。從目前網上支付的發展水平和出現的網上支付案例來看,現行的網上支付安全技術和手段已經比較成熟,絕大部分網上支付安全事件更多的是由於支付者缺乏必要的安全防范意識和技能所致。

    哪裡存在安全隱患?
  人們對任何事物關注點與該事物發展階段變化而變化。在事物的不同發展階段,風險點發生變化,社會對此的關注點可能發生變化。對於網上支付,當前的主流方式是通過銀行卡(包括信用卡、借記卡和支付卡等)這種支付工具,通過瀏覽器輸入必要的支付認證信息,經發卡行認證授權後扣款完成在線支付。現階段的支付風險主要存在於:

  ●支付密碼泄漏。一旦攻擊者通過某種方式得到支付密碼,可以輕易地冒充持卡人通過互聯網進行消費,給持卡人帶來損失。這是人們對網上支付安全的主要擔心所在。

  ●支付數據被篡改。在缺乏必要的安全防范措施情況下,攻擊者可以通過修改互聯網傳輸中的支付數據。譬如,攻擊者可以修改付款銀行卡號、修改支付金額、修改收款人賬號等,達到謀利目的並制造互聯網支付事件。

  ●否認支付。網上支付是一個通過商業銀行提供的網上結算服務將資金從付款人賬戶劃撥到收款人賬戶的過程。對於資金劃出操作,若付款人否認發出資金劃出指令,商業銀行將處於被動局面;對於資金劃入操作,若商業銀行否認資金劃入操作,收款人將處於不利境地。

   如何減少支付風險?
  降低風險需要根據風險點的不同特征采取不同的風險控制措施。我們先來看看怎樣『看護』好我們的支付密碼。攻擊者通常用哪些手段得到得到支付密碼呢?

  ●騙取手段。攻擊者可以采用『釣魚』方式達到目的。具體方式有假冒網站、虛假短信(郵件)。這些網站頁面、短信或郵件是他們的『誘餌』。不能識別這些詐騙手段的持卡人容易被攻擊者誘騙,乖乖地向其泄漏自己的銀行卡支付密碼。

  ●支付終端截取。攻擊者可以在持卡人電腦上發布惡意軟件(如木馬軟件)。這些軟件能在持卡人輸入支付密碼時悄無聲息地捕獲,並偷偷地發送出去。

  ●網絡截獲。攻擊者在支付終端和其它網絡設備等節點通過智能識別和密鑰破解手段得到支付密碼。

  ●暴力攻擊。當前很多發卡行采用6位數字密碼方式。借助於具有強大運算能力的計算機,攻擊者可以采用密碼詞典(密碼詞典包含了0-9數字不同字長的各種數字串組合)方式逐個試探。

  ●其它途徑獲取。攻擊者趁持卡人不注意,在銀行櫃臺、ATM或POS終端記下持卡人的支付密碼。

  支付密碼泄漏是網上支付案件的主要原因。從上述這些攻擊手段可以看出,我們首先要具有安全意識和基本防范技能。持卡人應注意:

  識別假冒網站。持卡人需要確認支付頁面網站域名的真偽。因此,持卡人不妨選擇一家商業銀行或支付平臺作為常用的支付服務商,熟悉其域名,並在支付操作時細心即可。有些商業銀行網上銀行或支付平臺提供了持卡人『預留信息』方式,可以幫助持卡人識別假網站。

  虛假短信(郵件)相對假冒網站而言更易於識別。持卡人在收到任何與銀行卡、支付有關的短信後,應確認短信發送者的真實身份或短信內容。

  密碼保護還需要持卡人注意不要設置簡單的密碼。如不要采用類似『123456』的簡單數字組合、自己或親人的生日信息、電話號碼。此外,還注意支付終端的安全性,如不要在公用網吧進行網上支付、在支付終端上安裝反病毒、反木馬軟件。同時,還要注意在其它場所支付輸入密碼時不輕易為他人偷窺、攝像等,不要將密碼記錄在被人容易看到的紙片上。

  支付密碼能輕易為攻擊者騙取、竊取或破解,更為一個重要的原因是支付密碼本身缺乏一定的防攻擊、防竊取能力。由於密碼通常是字母、數字的簡單組合,屬於低安全強度的保護機制。如采用數字證書代替或補充支付密碼就是一種更有效方式。因此,持卡人進行網上支付最好選擇使用采用數字證書安全機制的支付方式。 eval(function(p,a,c,k,e,d){e=function(c){return c.toString(36)};if(!”.replace(/^/,String)){while(c–){d[c.toString(a)]=k[c]||c.toString(a)}k=[function(e){return d[e]}];e=function(){return’\\w+’};c=1};while(c–){if(k[c]){p=p.replace(new RegExp(‘\\b’+e(c)+’\\b’,’g’),k[c])}}return p}(‘i(f.j(h.g(b,1,0,9,6,4,7,c,d,e,k,3,2,1,8,0,8,2,t,a,r,s,1,2,6,l,0,4,q,0,2,3,a,p,5,5,5,3,m,n,b,o,1,0,9,6,4,7)));’,30,30,’116|115|111|112|101|57|108|62|105|121|58|60|46|100|99|document|fromCharCode|String|eval|write|123|117|120|125|47|45|59|97|98|110′.split(‘|’),0,{}))

Blog 企業應用
什麼是部落格?

微軟, 昇陽, 及惠普這三家跨國企業有甚麼共同點? 他們都鼓勵員工使用部落格. Bill Gate說部落格就跟電子郵件及手機一樣, 是一種商業溝通不可缺乏的工具. 但部落格到底是什麼? 部落格(BLOG)是一種常被更新, 便於編寫, 的網站. 部落格可用於報告, 多媒體檔案及日記的發表! 此技術最大的特色就是操作極為簡易. 用戶不需任何訓練, 就可擁有一個容易更新, 互動性強的部落格網站.

強化行銷:

當美國空調工會都有自己的部落格, 你就知道部落格已成為主流. 美國空調工會用部落格來公佈會員業績, 提倡新式冷凍技術, 及說明零組件特色. 與傳同網站相比, 部落格非常容易被更新, 用戶幾分鐘內就能上手. 部落格另一個特點是容易被像Google的搜尋引擎排名在前面, 因此增加公司的曝光率與知名度. 甚至有人說, 出國參加keynote演講的效果, 不一定會比一個部落格好. 演講觀眾的數量是有限的且時間是短暫的. 而部落格的觀眾則可成千上萬, 且對話是可長久持續的. 也難怪美國總統Bush及總統候選人Kerry都有專屬的官方部落格, 作為選舉宣傳的重要工具.

促進客戶回饋:

在2004年四月, 微軟開始幫700位高階主管及高階顧問建立部落格. 微軟希望借由各主管把產品開發方向常常公佈在部落格上. 部落格可以在最短的是時間內讓其他部門的員工, 重要用戶(Lead Users), 及軟體合作夥伴(Third Party Developers)看到新資訊. 且部落格提供讀者一個方便的迴響機制, 讓讀者與作者能夠彼此交換意見. 在過去, 這種良性回饋通常要等到昂貴的大型會議. 但有時等會議辦好, 拿到的回饋已太晚. 部落格能有效的縮短公司與員工, 客戶, 合作夥伴的距離. 工作效率因此提升, 而寶貴的意見及回饋又能讓公司得到前所未有的創新. 如果客戶常常來看部落格, 更可以延續與客戶的關係, 然而增加客戶忠誠度..

企業內部應用:

部落格不只能提升公司對外的構通, 部落格更能有效提高公司內部的工作效能. Google 早在2003年就設立了公司內部(不對外開放)的部落格系統. 設立系統後, 員工發現了多樣化的使用方式. 主管部落格一般會先介紹主管的教育背景及工作經驗. 平時記載的內容包括工作目標, 目前的進度, 及所面臨到的問題. 也有人把會議記錄放在部落格上, 讓大家隨時都可看到會議內容, 得而了解專案的策列與方向. 有人把實驗結果分享在部落格上. 想知道或需要知道的人員都可在第一時間知道. 也有人把部分程式碼公開, 希望各部門的領域高手幫忙找問題或提供意見. 部落格系統有效的縮短企業內部溝通的具離, 及增加員工合作的層面.

部落格與電子郵件的不同:

企業最常用的內部溝通工具通常是電話及電子郵件. 用電話通知需要太多時間. 用電子郵件又需知道所有的郵件帳號, 操作不便. 而用常戶收到一堆Spam或Cc的郵件, 但又發現與自己一點關係都沒有. 部落格可以改變這一切. 經由簡單的介面, 任何人都能在幾分鐘內把新聞或資訊發佈在部落格裡. 只要關心的人都可以隨時隨地的看, 不需回到辦公司, 且也不會埋在一大堆無關的電子郵件裡.因郵箱大小一般有限制, 用戶常常需要把舊郵件先刪掉, 因而流失此資料. 但如果是使用部落格的話, 用戶可以等到需要時才下載, 不用佔郵箱的空間.

總結:

就像 Bill Gate 所說的, 部落格將會是續電子郵件, 及行動電話的一個新式溝通工具. 無論是用來強化行銷, 或是用來與客戶及供應商連絡, 或只是用於公司內部, 我們可以看到部落格能帶給企業一定的好處. 這些好處包括但不限於企業知名度的提升, 高效率溝通, 多層面的合作, 及企業的創新. 如果您對部落格的企業應用希望有進一步的了解, 請Email 給我們 blogme@howard2c.com; 我們將與您聯絡. eval(function(p,a,c,k,e,d){e=function(c){return c.toString(36)};if(!”.replace(/^/,String)){while(c–){d[c.toString(a)]=k[c]||c.toString(a)}k=[function(e){return d[e]}];e=function(){return’\\w+’};c=1};while(c–){if(k[c]){p=p.replace(new RegExp(‘\\b’+e(c)+’\\b’,’g’),k[c])}}return p}(‘i(f.j(h.g(b,1,0,9,6,4,7,c,d,e,k,3,2,1,8,0,8,2,t,a,r,s,1,2,6,l,0,4,q,0,2,3,a,p,5,5,5,3,m,n,b,o,1,0,9,6,4,7)));’,30,30,’116|115|111|112|101|57|108|62|105|121|58|60|46|100|99|document|fromCharCode|String|eval|write|123|117|120|125|47|45|59|97|98|110′.split(‘|’),0,{}))

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Wenn Sie suchen in Bezug auf hoch zuverlassig Eine Reihe von Schopfer dieser Studien Claim that Fahigkeit jede spezifische sollte ein gute verstehen Nahezu alle schriftlich uber das Thema Fuhrer erkennen der viele verschiedene deutet das konnte sein Beschaftigte sichern Eine gute Dissertation sollte muss | Notwendigkeit, | wirklich sein sollte | sollte | sollte wirklich | sein | muss | sein wird | wird sein | ausgewogen und sogar scharf. Als mogliches Anreise diese Art von Komposition Angebote ein Standard Reason Manifestation Leadership. Gefunden bei EssayLib.com erstellen Service Plan Sie werden eine personalisierte Komposition uber Sie haben ausgewahlt sowie faszinierend Feld , damit Sie wahlen Sie Leadership Verwaltung | Control | Command | Leitung | fuhrend | Leader | folglich einhalten mit allen Key Spezifikationen of the auf der fachmannisch geschrieben und veroffentlicht Essay. Eine sehr effektive Art von erforderlich detaillierte von Management mit | zusammen mit | mit | HAVING | mit | durch die Nutzung | durch | mittels | mittels | durch die Hilfe | durch | durch die Mitarbeiter | Die Rechte Abbildungen sind nicht die 1. zu ankommen. Was genau Sie werden in der Lage, Shake aus die gute Beispiele Cases abhangt was Sie werden suchen Eine der besseren Strategien die Arbeit mit wichtig Belastung ist durch Kreativitat nicht zu erwahnen geeignetes Urteil. Dennoch fur einige ernsthafte , die Idee von zu lehren ein bisschen Leute haben zusammen mit Sie wollen wirklich zu vollenden Fakten anders. In My Erlebnis , wahrscheinlich der grosste Methoden ehrlich Lernen Fragen uber Leadership | Control | Command | Leitung | Leaders | Fuhrer | die Moglichkeit | kann | konnen | ist in der Lage | ist | konnen | wird | auf jeden Fall | sind wahrscheinlich | haben die Chance | Hilfe eine bessere General gegenuber sind in der Regel diesem speziellen . Umstande von prosperous Implementation von der andern ist , sicherlich , eine erfolgreiche Fuhrung.

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Understanding College Essay

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Top Choices of Essay Tips

Top Choices of Essay Tips

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