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Thread ID: 80539	2007-06-27 01:18:00	How should we keep our computers secure for internet banking?	winmacguy (3367)	PC World Chat

Post ID	Timestamp	Content	User
563301	2007-06-27 03:32:00	Ah. You read this in the paper too: Banks demand a look inside customer PCs in fraud cases Customers could be liable for any loss resulting from unauthorised internet banking transactions if their protective software is not up to date Banks are seeking access to customer PCs used for online banking transactions to verify whether they have enough security protection. Under the terms of a new banking Code of Practice, banks may request access in the event of a disputed transaction to see if security protection in is place and up to date. Liability for any loss resulting from unauthorised internet banking transactions rests with the customer if they have “used a computer or device that does not have appropriate protective software and operating system installed and up-to-date, [or] failed to take reasonable steps to ensure that the protective systems, such as virus scanning, firewall, antispyware, operating system and anti-spam software on [the] computer, are up-to-date.” The code also adds: “We reserve the right to request access to your computer or device in order to verify that you have taken all reasonable steps to protect your computer or device and safeguard your secure information in accordance with this code. “If you refuse our request for access then we may refuse your claim.” “The new code now places a clear obligation on users to comply with some pragmatic security requirements, which does seem appropriate. My bank used to have a limit of around $1500 per day for total transactions. Then it went down to $800, now its $300. Unless you use their code thingy. Which incurs a monthly fee of course. All because of morons who don't check their machines or are dumb enough to click anything sent to them. Its like Telecom and phone diallers. They let you off the first time (because of the fuss people made) but second time and tough luck, its your responsibilty. They are a number of people here who have said to me Oh I don't have much money anyway, or Oh well, the bank refunds you. Morons, idiots. I tell them prevention is better than cure. And that applies to spyware scans too - prevent the things installing in the first place, scanning and finding them afterwards is only the 2nd best solution.	pctek (84)
563302	2007-06-27 04:04:00	I agree to a certain extent that it's the customer's responsibility, however... There has been enough press in the past about Banks being backward in implimenting security measures for internet banking like double layer authentication. To put it bluntly- it's taken years for some of the main banks to get their act together. Banks should know that, instead of assuming all their clients are net savvy and intelligent enough to protect themselves, the majority wouldn't have a clue and need to be protected from themselves. My bank has recently started a txt code to mobile service when making an on-line transaction- they don't currently charge to do it. I signed up as soon as I got the e-mail from Nigeria and right after I bought my 1st Mac :thumbs:	Shortcircuit (1666)
563303	2007-06-27 04:07:00	it does both.. as for keyloggers...it's no better or worse than anything else out there (speaking from experience) Apart from a non Windows OS.	winmacguy (3367)
563304	2007-06-27 04:12:00	Ah. You read this in the paper too: I tell them prevention is better than cure. And that applies to spyware scans too - prevent the things installing in the first place, scanning and finding them afterwards is only the 2nd best solution. I did which is; A: why I posted the poll and B: In response to Chris Keall's post yesterday and C: Why I am a Mac user as prevention is definitely better than trying to cure any form of malware.	winmacguy (3367)
563305	2007-06-27 05:28:00	ok im gonna go ahead and show this again :D . ctrlaltdel-online . com/comic . php?d=20060513" target="_blank">www . ctrlaltdel-online . com no one cares! kinda like gloating that your car has a mega souped up pimpin air filter - no ones gives a crap - its not that hard to keep a windows PC clean - click a few buttons on the related cleanup\AV software and walk away - along with not visiting pr0n sites and trolling warez sites for cracks for games and downloading the "FREE Work game" and "FREE screensaver" also "URGERNT UPDATE INSTALL NOW" you see on limewire - all of the above being 135kb . EXE Files :yuck: common sense really - if you cant accomplish that then yes you probably need a mac :annoyed:	MAC_H8ER (5897)
563306	2007-06-27 05:32:00	common sense really - if you cant accomplish that then yes you probably need a mac :annoyed: Maybe you should tell that to all the online banking customers who have been defrauded of cash at the expense of the banks because they weren't aware of or didn't have any security software apps on their PC which is the whole reason the banks are starting to feel the $$$pinch and why the original article was posted by Chris Keall. ;) My bank has also posted a note warning about an online employment scheme offering $1000 a week and dropped its allowance for online cheque payments to $300 in one day because of the cost of phishing and online fraud.	winmacguy (3367)
563307	2007-06-27 06:19:00	option: I use Windows with 3rd party software rather than Mac for my games Eh? What does gaming have to do with internet banking? :confused:	Jen (38)
563308	2007-06-27 06:29:00	option: I use Windows with 3rd party software rather than Mac for my games Eh? What does gaming have to do with internet banking? :confused: Nothing directly, but it is just one of the reasons a lot of PC users wont touch a Mac. What does OS X have to do with internet banking, well the ASB and other bank's fraud and scam problems all stem from PC users with infected systems - not Mac or Linux users. Plus I chucked a few random options into the poll. The other important options that I left out of the poll were whether you used Firefox, IE or Opera for your banking with FF and Opera the preferable choices. (lots of bank sites don't like Safari)	winmacguy (3367)
563309	2007-06-27 06:30:00	option: I use Windows with 3rd party software rather than Mac for my games Eh? What does gaming have to do with internet banking? :confused: Some bank sites may have games u can play, if u know what the password is?? Could be an incentive to get into internet banking? Maybe the bank will pass on the bank fees and charge you more for games instead?	Speedy Gonzales (78)
563310	2007-06-27 06:30:00	XP SP2 with AVG antivirus and Sygate firewall. OS not updated in over a year. Use net banking often, no problems. Use common sense and you'll be fine.	bob_doe_nz (92)
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