Professional Documents
Culture Documents
E Bank
E Bank
Outline
2 / 99
I. Introduction to e-Banking
What is an e-Bank and
why to do e-Banking
Some facts about e-Banking
ntinued...
Outline
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continued
IV. Conclusion
Part I
Introducti
on to
E -
Banking
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Introduction
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– Customers have:
– Their job during the day
Collision!
– Family or other activities after the job
– Internet
– WAP based mobile network
– Automated telephone
– ATM network
– SMS and FAX messaging
– Multipurpose information kiosks
– Web TV and others …
Electronic
Internet Banking
Banking
• By
Through
using aAutomated
PC that connects
Teller Machines
to a banking
(ATMs),
website via modem
telephones
and phone line
(not(or
viaother
Internet)
telecommunication
or debit cards. connection)
and Internet
(debit Service
cards look like Provider
credit card, but using debit card
• Or
removes
via wireless
funds technology
from your bankthrough
account
PDAimmediately)
or cell phone
Internet Banking
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– Many consumers also like the idea of not waiting in line to do their
banking, and paying their bills without shuffling papers and buying
stamps.
Internet Banking
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WWW service
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15 / 99 Security problems
Online banking relies on a networked environment.
Worth noting:
Internal attacks are potentially the most damaging!
Security Problems
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Spoofing
“How can I be certain that
my personal information “How“How
can can
I beIcertain
reassure that
is not altered by online my
customers
customers’ whoaccount
come to
eavesdroppers when number
my site
information
that theyisarenot
they enter into a secure doing
accessible
business to online
with me,
transaction on the Web?” eavesdroppers
not with a fakewhenset up
they
to
steal
enter their
into acredit
secure
card
transaction
numbers?”
on the Web?”
PROBLEMS
Authentication
no spoofing
Non-repudiation
Privacy
no claiming
no eavesdropping
of user action
Data Integrity
no data alteration
How to Achieve It?
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– E-mail is usually not secure. Do not send sensitive data via e-mail
(unless you know it is encrypted).
Change all passwords and PIN codes received via e-mail that is not
encrypted.
ntinued...
Few Security Tips 2/3
21 / 99
.continued
– Be “password smart”
(use mix of letters and numbers; change pw regularly;
keep your pw and PIN codes to yourself; avoid easy
to guess pw like first names, birthdays, anniversaries,
social security numbers...)
ntinued...
Few Security Tips 3/3
22 / 99
.continued
– Report errors, problems or complaints promptly
– Do not have other browser windows open at the same time you are
banking online.
– When making purchases via the Internet it is smart to use a credit card
instead of a debit card (liability should be no more than $50 if properly
reported, plus you do not have to pay disputed amount during investigation).
Part III
Bankers’
Point of
View
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25 / 99 Internet Bank Architecture
Web server
Branch office
terminals Security
subsystem
SSL connection
Internet
User
26 / 99 In-house Architecture
CustomerLink Server (CustomerLink Primer)
(On Site)
Core System
(On Site)
In-house Web Server
(On Site)
Security Firewall
(On Site)
Router
(On Site)
All components are in the bank
27 / 99 Out-of-house Architecture
ASP (Equifax)
Bank site
Firewall
User
CustomerLink Primer)
Banking Software Architecture
28 / 99
CLIENT-SERVER
data
The network
management
configuration
Sever can where
accessthehuge
workdatabases
potentialand
perform searches
Client demand
(processing in behalfservices
abilities &ofaccessible
the client.
or
application
Executes information
Back-end
information) from otherbetween
is application.
distributed
logic
machines
several– machines.
servers.
Executes Front-end App.
presentation
logic
29 / 99 Banking Software Architecture
In the Internet era banking software systems are n-tier (n > 2)
Application logic
30 / 99 Presentation Logic
web server
thin client
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Conclusion
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– In this tutorial on e-Banking
we covered many of its aspects:
– You learned what an e-Bank is,
and what the benefits
of e-Banking are
– You familiarized yourself with the
structure of the e-Bank
– You learned how to implement your
own Internet channel
and how to afterwards search for
financial information on the Web
in order to improve your business
– And you have also learned what
possible security problems can occur
and how to fight those problems
~ The End ~
Thank you