KORAN: ALLAH TOLD THE THIEF AND TO THE THIEF WILL CHOP OFF HANDS! NOT THE AXE AND DEPRIVING OF THEM
КОРАН: АЛЛАХ СКАЗАЛ ВОР И ВОРОВКЕ ОТРУБИТ РУКИ! НЕ ТОПОРОМ А ЛИШАЯ ИХ ВОЗМОЖНОСТЬ КРАЖЕ!
METHOD OF TECHNICAL PROTECTION OF BANKING SERVICES.
Internet banking is a common name for remote banking technologies, as well as access to accounts and transactions (on them), provided at any time and from any device that has Internet access. The browser is used for performing operations, so there is no need to install the client part of the system software.
Internet banking is often available via the Bank-client system, using thin client technology.
As a rule, Internet banking services include:
providing information on banking products (deposits, loans, mutual funds, etc.);
applications for opening deposits, obtaining loans, Bank cards, etc.
internal transfers to a Bank card;
transfers to other Bank accounts;
conversion of funds;
personal account for managing services;
Modern banks are developing a new promising direction for the development of brokerage services, which consists in providing individuals with access to international currency and stock markets (Internet trading).
The rapid growth of scientific and technological progress and new information technologies also have a significant impact on the overall assessment of the Bank's attractiveness. The development of the technological process allows not only to increase the speed of processing documents and conducting cash transactions, but also to expand the clientele. Thanks to the Internet, the client-Bank relationship becomes more operational, which also allows you to work with the customer in a differentiated way, depending on individual preferences, risk appetite and the formation of the client's portfolio. And the development of information technologies can significantly reduce the distance between the producer and consumer of banking services, significantly exacerbates interbank competition, and, consequently, contributes to the development of banking services, both in quantitative and qualitative aspects.
An important security feature of Internet banking is the confirmation of transactions using one-time passwords (so that traffic interception does not allow an attacker to gain access to finances). Although the theoretical possibility of server spoofing still remains, however, the implementation of such fraud is quite problematic (especially if you use an SSL connection with a certificate signed by a third party).
Online banking. What is it and "what is it eaten with"?
In the modern world, everyone values their time. Many families right now, in order not to stand in line, make purchases via the Internet. The world wide web has also reached banking services. Many financial institutions are willing to present their clients a new offer - "Internet banking".
What is the meaning of this interesting word and who stands to benefit from such services?
Internet banking is a type of remote service.
Allows you to perform any operations on an account opened with the Bank. For example:
pay utility bills, fines, and loans
provide current up-to-date information on your existing credit card or current credit agreement
make money conversion, currency exchange
make transfers and payments.
In order to connect to this service, you need to contact the office of the selected Bank and enter into a corresponding agreement with it. The document must reflect the parameters by which the client can access the so-called "personal account" on the Bank's website, the account number and personal data.
When a citizen comes home, to work, or to another place where there is a computer and Internet access, they can log in to the Bank's website using their username and password. Now all he has to do is fill out a form with the name of the payments, their purpose, and the amount and make them. Everything is simple, no additional skills are required for this!
In addition to the advantages described above, Internet banking allows you to conduct transactions in a matter of seconds, which is especially important for those individuals who have the right time to make the next loan payment.
In addition, the rates for Internet banking operations are much lower than the fees charged by the Bank when the customer directly applies to the cash register or office. This was made possible by reducing the cost of maintaining the Bank's staff and by automating all payments.
Finally, all payments made via Internet banking are protected from hacking and other fraudulent activities, because all customer information is stored on the Bank's secure server.
Internet banking is a fairly convenient, fast, and secure payment system.
Of course, any Bank will charge the client fees for these operations.
Therefore, if a citizen only needs to pay for an apartment or electricity once a month, it is pointless to connect this service.
But in the case when the family actively uses banking offers, Internet banking will become a real assistant. It is not for nothing that it is considered the most useful invention of man after the creation of telephone communication!
Log in to the Internet banking system
Enter the address in the address bar of your Internet browser
Enter the user name, password, and one of the session keys offered by the system, indicated on the code map, in the appropriate fields.
Attention! If you enter the wrong password or session key three times, the login will be blocked!
To work in the "Internet banking" system, you will need a computer with a web browser that supports 128-bit encryption (Internet Explorer 5.5 and higher, Firefox 1.5 and higher, Opera 8.0 and higher, Safari 3.0 and higher, Netscape 8.0 and higher, and others) and Internet access.
The convenience of Bank cards lies in their universal use. The cardholder can carry large amounts of money with them.
Card loss. If the card is lost or stolen, the owner can call the Bank's processing center and block transactions with the card. The person who found or stole the card will not be able to use it after it is blocked (from a few seconds to several days), except in some rare cases (unlimited operations). The owner will also be reissued his card with the entire amount saved at the time of blocking, minus a small amount for reissue.
No problems with customs. Legislation in many countries restricts or closely controls the amount of money to be imported/exported. Bank cards are not subject to customs registration, so you can use them to transport any amount.
The geography of payments. Bank cards of international payment systems allow you to pay for goods and services in most countries of the world, as well as via the Internet. The currency of the card is constant, the calculations used the official exchange rate of payment system + Bank's Commission.
Speed of payments. The receipt of cash or payment of goods and services with ATMs or trade terminals happens very quickly anywhere in the world.
Account replenishment. The owner of a Bank card can receive a quick and interest-free Deposit to their account while staying in another city or country, while Bank payments, transfers via Western Union, and others lose interest for services.
The change is not required. There is no need to hold small money (especially coins). Plus for both the cardholder and the point of sale
In addition to the obvious advantages, there are also significant disadvantages.
Security. It is dangerous to store money on a Bank card. This is because to make a payment by credit card is usually enough to know only the credit card information printed on the card itself (number and card expiry date and three digit code from back of card CVV2). To make a payment, you do not need a pin code or confirmation by SMS. Even the Bank employee who issued the card to the customer can pay with it after the customer activates it, due to the fact that the card in many banks is not sealed in a confidential envelope when issued, and the customer's Bank card details may be known to the employee. These payments can be made using a Bank card even if the client has 3-D Secure Internet fraud protection enabled. You should also pay attention to the fact that a pin code consisting of only four digits can be easily spied and remembered, and therefore can not be a reliable protection.
Payment acceptance. In developed countries, almost all retail outlets accept Bank cards; in less developed countries, card acceptance is limited to large supermarkets. In some countries, the presence of a cash terminal in stores is mandatory,as is the cash register. However, failure to use it correctly can cause some problems, especially at night. All stores accept cash.
Tip problem. There is a certain problem when paying in restaurants, bars, etc., related to the difficulty of getting a tip when paying with a credit card. There is a specialized software POS-terminals that allows you to serve these outlets, with the ability to specify the amount of tips in the receipt, but, as a rule, tips are paid in cash. This means that in some countries it is not possible to pay with a card at the bar. Oddly enough, this problem practically does not exist in Russia. In the United States, there are almost no restaurants and bars that do not have a separate line on their receipts where the customer enters the tip amount (and usually the payment of the main amount of the check is accepted first through the terminal, and the tip is entered later, after which the waiter or bartender separately enters this amount at the terminal).
The complexity of the application. Although issuing banks try to simplify the interface of ATMs as much as possible, for many people, especially the elderly, there are noticeable difficulties in obtaining cash, and sometimes even when making payments in cash terminals.
High Commission for the shops for the opportunity of reception of payments on cards. The store is forced to include the cost of acquiring in the product price (about 2 %), which is critical for stores that operate in the discounter format.Traceability is both a virtue and a disadvantage. On the one hand, all purchases of an individual become absolutely transparent for the authorities, on the other hand, it makes it easier to prepare all sorts of financial reports.
Cash withdrawal limit — the maximum amount that the cardholder is entitled to receive in cash during the specified period. The cardholder can change the card limits via the Bank's mobile app (if their Bank has one). If the cardholder sets a limit on the card equal to zero after each purchase, this allows you to protect your money from theft and makes using the card safe, but it certainly makes some inconveniences.
Exchange rate difference — the card holder may lose on currency exchange. For example, the currency of the card account is rubles. The client pays in a foreign currency other than dollars and euros. The amount is converted from a foreign currency to the settlement currency at the exchange rate of the payment system, and from it to the account currency — rubles at the exchange rate of the Central Bank of the Russian Federation. Plus, banks usually charge money for each conversion. The amount received is blocked on the card (amount X). In parallel, a financial write-off is sent from the point of sale via the servicing Bank. In the payment system, the amount of foreign currency other than dollars and euros translated at the exchange rate of the payment system on the date of cancellation; the resulting sum (amount Y) is sent to the issuing Bank and converted at the exchange rate ruling on the date of cancellation and is deducted from the card. The difference between X and Y is called the exchange rate difference and can be either negative or positive depending on the dynamics of the settlement currency.
Cashing out, i.e. receiving cash by debiting a card from a Bank account, can be performed using ATMs and POS terminals, as well as in Bank offices. A certain percentage of the Commission is charged when funds are cashed out. When cashing out funds at ATMs and terminals of the issuing Bank, the Commission is absent or relatively low, significantly different for own and credit funds, or for debit and credit cards. When receiving cash from other banks, the percentage is higher, and there is a minimum Commission amount (in Russian banks, usually from 1 to 5%, but not less than 100-200 rubles).
In addition to cashing out funds, many ATMs allow you to pay for utilities, cellular services and Internet access, etc., as well as provide other services (for example, checking the card balance, changing the pin code, sub-/disabling additional services, assigning a username/password to the personal account of the Internet Bank).
Payments at retail outlets
You can pay with a Bank card for goods and services in any country at any point of sale equipped with a trading terminal of the corresponding payment system. According to the rules of payment systems, the cardholder is not charged the Commission fee in trading terminals when making a payment for goods and services, but is transferred to the point of sale by the acquiring Bank (instead of the collection costs).
You can pay with a Bank card via the Internet. All conditions are usually specified on the site. This method is the most dangerous method of payment, since it is possible to steal confidential data — card number, name of the holder and CVV2 code, which can then be used by hackers (carders). Therefore, it is advisable to use only reliable payment gateways. One of the ways to depersonalize and secure card payments on the Internet is Paypal and ChronoPay.
Bank cards are not intended for storing money. They are just a payment instrument. According to Bank employees, it is dangerous to keep money on a Bank card. This is because anyone who has seen a Bank card can pay with it (for example, in online stores that do not support 3-D Secure technology). So, in order to steal money from your card, the fraudster just needs to see it.
You can easily protect yourself from stealing money from your card. To do this, you need to connect an online application that allows you to manage card limits via your phone in online mode. This allows the client to prohibit any operations on the card immediately after the payment is made. This way you will not be able to steal money from your card. At the moment, not all banks provide this opportunity, which is partly the reason for the rapid development of Internet fraud around the world.
Bank card fraud (carding) has formed an entire industry and is rapidly gaining momentum along with the spread of payment cards.
There are rules that minimize the risks of using modern payment systems:
When making payments via the Internet and receiving cash via fake ATMs, electronic theft of money from the account is possible. Therefore, you should be extremely careful. This requires not using questionable payment gateways. However, it is not possible to determine whether the payment gateway is authentic or fake. In some countries, there are fake ATMs and POS terminals for accepting payments in stores that read magnetic strips and codes, after which the money goes to fraudsters. Therefore, in such countries, it is not recommended to use ATMs and POS terminals in stores. It is also not allowed to say your card number and CVV2/CVC2 code on the reverse side (due to the fact that these details are usually enough to make payments online without confirmation by SMS, even with the additional protection against Internet fraud 3-D Secure). A walled-up ATM or ATM located in a Bank building is a more reliable way to withdraw money from your account, but it can't guarantee you complete security.
When receiving money via ATMs and many terminals, you need to enter a PIN code consisting of four digits. We recommend that you remember it and never store it with the map. The illegal owner of someone else's card has a little less than ten thousand options, but after the third incorrect PIN code entry, the card is blocked for a day, and some ATMs even "swallow" the card, which can only be obtained by its holder. If you store the code together with the card, it will not be difficult for an attacker to get money from any ATM.
When paying at retail outlets, you usually don't need to enter the code, but the cardholder's signature is on the back of the card. Two receipts are issued at the time of purchase. The buyer signs one and leaves it to the seller. The signature on the card and the receipt must be the same. For security reasons, you should not allow the merchant to perform actions that cause the card to disappear from the owner's field of view.
When exchanging a card due to expiration, make sure that the deposited card is cut at least in half by the Bank employee. The new card must be activated as soon as possible, i.e. perform any operation with it, for example, request the account balance at the ATM (i.e. the amount of money on the account at the moment). When receiving an envelope with a PIN code, make sure that it is sealed.
A significant factor in controlling the movement of Bank card funds is an SMS notification about card transactions: the earlier you report fraudulent actions with your card, the greater the Bank's chance to protect your funds on it.
Bank cards are a personalized payment tool that allows the holder to make non-cash payments for goods and services, as well as receive cash at branches (branches) of banks and ATMs. Bank cards appeared in a person's life not so long ago, just 60 years ago, today they are used all over the world and are gradually replacing cash. By the way, before the advent of "plastic", the system of non-cash payments existed in the form of checkbooks, which is now completely gone into history. Compared with cash, cards give its owner a number of advantages: — your money is protected because funds are held in Bank account, if you lose the "plastic", the access to the account can be locked, that is, the money is not on the map, and the Bank that may be more reliable; — easy to use, that is when you pay for goods and services is not the cashier, not the buyer can't make a mistake in calculations, for example, it is wrong to give change; — the advantage of abroad that money stored on the card do not need to declare what is not true about cash; - income on debit accounts, most financial and credit organizations offer such a service as cash back, that is, it is money that is returned to the account from each purchase; - finally, it is much easier for plastic owners to control their expenses, and therefore regulate the family budget, at any time the client can request a statement report, completely free of charge.
A payment card is just a tool or a key to your Bank account or your Bank account. In the first case, the card is a debit card, meaning that the user spends only their own funds. in the second case, the cardholder uses a credit. All Bank cards are divided into several types according to the type of payment: — debit – with its own funds on the account; — credit – payments on it are made at the expense of a loan, the limit of which is set by the Bank; — prepaid-this is "plastic", with a fixed amount on the account, unlike all other products, it is not issued, but purchased from the Issuer; - overdraft – this product with allowed overspending of funds on the client's account.
Not so long ago, banks started offering customers a completely new product – a virtual card, unlike real "plastic" it does not have a physical carrier. This product is useful for those who make purchases through online stores. The Bank only issues Bank details to the client. Plastic cards are usually classified according to their purpose according to the set of services they provide according to their capabilities, as well as the organizations that participate in their issuance. Plastic cards store the necessary information that will be used in various applications in the future. In particular, in the sphere of money circulation, plastic cards are a progressive method of organizing non-cash payments. More than 200 countries use plastic cards in the modern world.
The international standard organization has developed standards for plastic cards and includes the following criteria: — the appearance of the card; — the order of account numbering; — the format of magnetic strips; - the format of the message (the message is sent to the owner about the actions on the card). Plastic cards intended for payments are divided into personal and corporate ones. The Bank makes a decision to issue a personal card to its client only after a thorough analysis of their credit history, as well as after the client opens current accounts with this Bank. It should be noted that the personal card is issued only for paying customers. As for corporate cards, they are issued to legal entities under their own guarantees. In the case of corporate cards, the person's ability to pay is also analyzed.
As you can see, progress gives a huge opportunity, now they can not cut off the pockets and handbags of ladies. Here they do not doze and come up with a hook for catching our money from a mistake. Scammers are also talented people, but their talent is directed in order to easily catch fish from a pond-someone Else's! Here everything is clear with AI technology, you can always break the protection, find a different kind of way to steal someone else's money. This means that a different method is required, as the author sees it: it is Known that the Bank opens accounts and is given the number 00000000000000001. This number is linked to the map. Another backup that would quickly restore information in case of loss. This can be a debit or credit card, and so on. If we change the situation, the work becomes more difficult for scammers. Invoice no.: 0000.....1. link the main card and 2. Work card and 3. Expense card. Thus, we get three Bank plastic cards and the Bank's customer-the card holder-holds three cards from the Bank. The owner of the card from the main translates to working and from working for the consumables. So it is mentioned at the top that would protect keep the card empty, this makes it a great convenience. If we apply the situation, using three cards, we close the put money of the Bank's client. The maximum can be calculated for small expenses. When trying to register on behalf of the client falls under the control of the Bank, so the client will understand that the SMS IS not from the Bank and the number is not the same. The author is not a financier and it is not known for him such a method of protection, so he does not claim that this is the only way
Today, it is very difficult to protect yourself from Internet fraud, so you need a different approach. This will lead to a bit of expense and it will justify itself, securing the Bank and the client. This is a very simple method and you need to adjust the program a little, and issue an additional payment plastic card. Main account no. 00000..1 and the first main card, this link 2. work card, work card 3. expense card. 1-the card holds all the client's amounts and he can transfer them from it to 2. the working card of what amount he plans to spend for a month or a week, and so on. From work 2. The card is then transferred to the 3-card account for everyday expenses, purchases, and so on. This makes not available the principal amount of the client's money. When trying to register your phone,
"Method of technical protection of banking service, including the release by the Bank to its customers three interconnected Bank cards, wherein said main storage card, working card, burn card; and the storage card linked to a current account of the Bank; working tied to the main card via a debit card, not having access to current accounts Bank»
ПО ИНТЕЛЛЕКТУАЛЬНОЙ СОБСТВЕННОСТИ(19) RU (11) 2019 127 969 (13) A(12) ЗАЯВКА НА ИЗОБРЕТЕНИЕ Состояние делопроизводства:Экспертиза по существу завершена (последнее изменение статуса: 16.12.2020)
(21)(22) Заявка: 2019127969, 05.09.2019
Приоритет PCT: RU
Исходящая корреспонденция Входящая корреспонденция Уведомление об удовлетворении ходатайства 15.12.2020 Ходатайство о внесении изменений в формулу изобретения 03.12.2020 Решение об отказе в выдаче патента 15.12.2020 Дополнительные материалы 03.12.2020Письмо о невозможности проведения информационного поиска 19.11.2020 Уведомление о результатах проверки патентоспособности 19.11.2020 Уведомление об удовлетворении ходатайства 02.07.2020 Ходатайство о проведении экспертизы заявки по существу18.06.2020
Корни преступления всегда бывает связан коррупции по этому они создадут ситуацию что бы было дыра что бы могли краст и делится с ним.
Федеральный институт промышленной собственности
Отдел измерительной техники и информационных
технологий ФИПС главной государственному эксперту измерительной техники и информационных технологий
ФИПС гос. Рентеев В.А
Касается заявки № 2019127969/28(054885)
Уважаемый Василий Александрович огромная спасибо за проведения исследования заявку и замечания. Да это не является Изобретения, относится хозяйственный деятельности. Здесь принимаю замечания что не конкретизирован, в связи каждый банк имеет свои программы защити. Разделения функции и действия на материальный средств подразумевается с участием держателя банковский карт, так как пластиковая банковская карта является собственность банка. Выпуская новый вид услуг, дает права принимает участия на воздействия на материальных средств. Клиент банка кредитная или дебютной карту получая предложенный форме получает права участия на воздействия на материальный средство! При консультации банковским специалистом считали мои предложения правильной.
Теперь вопрос применяемость хозяйственным структурам, очень широко и востребованный. По данным МВД( сообщения СМИ )на первый полгода 2020 убыток от мошенничество составляет банковским структурам 3 миллиарда долларов. Это убыток покрывает банки навязывая страхования кредита. Добавляя суммы страховая и это на общую суммы берут на все проценты.Таким образом потери одного жертву оплачивает те кто получает кредит и пользуется банковским услугами. Если брат таких деяния по всему Миру то годовая ущерб банкам составляет боле 30 миллиард долларов. ( накручивая это нагрузку клиентам не сообщает инфо. как банковский -коммерческая тайна)
"Способ технической защиты банковского обслуживания, включающийся выпуск банком для своих клиентов трех между собой связанных банковских карт, отличающийся тем, основной накопительной карты, рабочей карты, расходной карты; причем основная накопительная карта привязана к расчетному счету банка; рабочая привязана к основной карте через расходную карту, не имеющую доступ к расчетным счетам банка, допускает клиента воздействия на материальный средств к участием защитит свои капитал. "
Об этом приведены вами вашего ответа Абзац № 5 ступенчатой передача финансовых средств с банковского счета клиента. Клиент банка полученный средством управляет и контролирует, воздействовав материальный средств. Карта держатель может потерять максимум то что на каждодневную рассчитанный суммы, не все счетах деньги. Приведенный редакция формулы не изменяет сут а уточняет, таким образом не имеется от начальный поданный заявки при редактирования формулы нарушения. Было замечания что отсутствует каких - либо действия. ( По регламенту эксперт предлагает варианты допускаемую изменения формуле при имеющей возможность применения жизнь деятельность человека ) Потребность на рынке банковский услуг очень востребован и это проблема существует по всему Миру. При переходе ИИ и электронный расчетах будет увеличена стороны прогрессе совершаемый преступления. Всегда предлагают деньги держать разный валюте что бы полностью не потеряет свои капитал и положит разный корзину. Мои предложения почти такой принцип имеет
По части 2 ст. 159.3 УК РФ если мошенничество с банковскими картами было совершено группой лиц или со значительной суммой ущерба, то мера наказания представляет собой следующее: оплата штрафа в размере до 300000 рублей (или зарплаты за 2 года); обязательные работы до 480 часов; тюремным заключением на срок до 5 лет; принудительные до 5 лет или исправительные до 2 лет работы; возможно применение ограничения свободы до 1 года в дополнение к тюремному заключению или принудительным и исправительным работам. По части 3 ст. 159.3 наказание для мошенника усиливается, если он действовал под влиянием служебного положения или при крупном размере: штраф может варьироваться от 100 до 500 тысяч рублей (или зарплаты от 1 до 3 лет); принудительные до 5 лет работы с возможным применением ограничения свободы до 2 лет; лишение свободы до 6 лет с возможным назначением штрафа до 80000 руб. (или зарплаты до 6 мес.) или ограничения свободы до 1,5 лет. По ч. 4 ст. 159.3 УК если мошенник действовал в организованной преступной группировке или при особо крупном размере: лишение свободы может достигать 10 лет с возможным назначением штрафа до 1000000 руб. (или зарплаты до 3 лет) или ограничения свободы до 2 лет. Наравне с удобством произведения расчетов с помощью банковских карт не стоит забывать и о безопасности. Система банковских карт очень уязвима к считыванию, поэтому необходимо подумать о сохранности данных. Мошенниками придумываются новые виды воровства денег, в результате которых бывает тяжело вернуть свои средства на счет.
Способы мошенничества с банковскими картами Кража банковской карты Через Интернет Мошенники на «Авито» Посредством Мобильного банка Фальшивые элементы банкомата и другие способы мошенничества с его использованием Мошенничество через терминал Скимминг Шимминг Фишинг Двойное списание денег со счета карты «Нигерийский принц» По телефону, через смс Звонок от лже-оператора или метод вишинга Что делать пострадавшему? Куда обращаться и можно ли вернуть деньги? Меры безопасности и способы защиты от махинаций с банковскими картами Ответственность и наказание