生物识别技术在网上银行认证安全体系的应用

阐述了如何在现有的网上银行信息安全机制上应用基于生物特征的身份认证识别技术，将自动指纹识别、加密技术与网上银行3者有机结合，达到有效提高网上银行交易的安全性的目的。     

网上银行安全技术分析

本文简要介绍了为保证网上银行的安全需要解决的技术问题,分析了从技术上保证网上银行安全,需应用的加密技术、身份认证技术以及网络本身的安全防范技术,并对各项技术的应用所面临的问题进行了初步探讨。     

公钥密码体制在网上银行中的应用

互联网用户的个人信息一直是黑客们“攻击”的重点,其中网上银行用户账号被盗的案件更是让许多人感到担心。本文对公开密钥密码体制的原理以及由于其在现实中的应用而产生的身份认证、数字签名、数字证书等概念做了简单介绍。本文同时指出了这些原理及概念在网上银行交易中各个环节上所起到的作用以及保证网上银行账户安全链条上的薄弱环节。     

我国网上银行身份认证技术分析

近年来,我国电子银行交易突飞猛进,网上银行发展迅速。无论对企业还是个人来说网上银行的安全性都至关重要。而网上银行的安全性与用户远程登录安全身份认证技术密切相关,就我国网上银行远程登录安全身份认证的两种主流技术进行分析和研究。     

网上银行风险防范对策与技术保障

分析当前国内网上银行存在的安全风险,提出相应的防范对策及安全保障技术,以助于保障网上银行业务交易的安全。     

基于PKI的电子金融服务研究

随着网络和信息技术在金融领域特别是银行业务的引入，网上银行各个环节普遍应用了PKI来确保其交易的安全性、完整性和不可抵赖性。本文旨在通过对PKI概念及内容的论述，进一步阐述其在网上银行业务中的应用。     

如何在网上银行中使用SSL安全技术

SSL协议又称安全套接层协议,它提供了两个应用间通信的保密性和可靠性,用以保证通信信息的安全传输。因此在网上银行系统中,SSL协议正在被广泛使用。该文介绍了SSL协议的相关知识,并且通过具体操作说明如何在网上银行中使用SSL安全技术。     

网上银行交易风险及防范措施

本文分析了当前网上银行的热点问题,研究了10种威胁网上银行交易的风险,并根据实际列举了两个网上银行业务的欺骗舞弊案例及分析说明其交易流失的原因,最后从银行角度出发提出了防范措施。     

网上银行法律关系研究

该文对网上银行交易中所形成的银行、客户的权利义务关系及免责问题进行了研究,对规范网上银行业务,保护交易主体的合法权益具有现实意义。     

网上银行的安全与风险防控

自进入21世纪以来,网上银行的用户也象互联网用户一样成几何级数增长.2005年全国网上银行交易金额达60万亿元人民币.网上银行占银行全部业务的比重越来越高,交易替代率也在飞速增长.据悉,工商银行和招商银行网银的交易替代率均已超过25%,也就是说,有1/4的银行支付业务是通过网上完成的.网上银行已经进入寻常百姓人家和普通企业.网上银行正在成为各家商业银行拓宽服务领域、实现业务增长、调整经营战略的重要手段.……     

网上银行的安全问题及对策

网上银行以网络技术为手段,向客户提供信息服务和金融交易服务,是一种新兴的银行服务模式,给用户办理银行业务提供了快捷和便利。通过对网上银行发展的现状和存在的安全问题进行分析,提出了解决网上银行安全问题的对策建议,旨在促进网上银行健康有序地发展。     

探讨CA认证技术在烟草行业电子商务中的应用

随着烟草行业电子商务的蓬勃发展和CA认证技术的逐步完善,CA认证技术在电子商务的中应用趋势日益明显。首先说明了烟草电子商务的发展背景及其存在的安全隐患,列出了几种适用保证烟草行业电子商务安全性的CA认证技术应用方式,并从烟草行业电子商务的应用实际出发,提出了在烟草网上订贷系统实现OA认证技术的设计方案,探讨了在烟草行业电子商务中应用CA认证技术的可行性。     

CICS在银行系统中的应用

通过讲述中间件在联机事务处理中的应用来说明中间件在银行系统中的应用情况。交易中间件是专门应用于联机事务处理的一类中间件,而CICS正是一种交易中间件。文中对CICS交易中间件的基本组成和功能进行了说明,并分析了联机事务处理的基本特性及方式,主要选择了三种联机事务处理方式来说明,并分别分析了每一种联机交易处理方式的特点,最终选择了能更好保证事务完整性的交易中间件来实现联机交易的处理。     

Banking in the Internet and mobile era

Large parts of today's banking business are based on the application of information technology (IT). This applies to advisory at the customer frontend to and internal operations in banks to the electronic stock exchanges and transaction networks. To position the five contributions in the special issue on ??Banking in the Internet and Mobile Era??, this editorial suggests a framework that structures the application areas of IT in the banking industry. It recognizes IT as the enabler for all four tiers of the banking value chain and highlights the specific role of the regulatory environment in this industry. The special issue emphasizes the transformation of the banking industry towards more customer-orientation as well as the role of Internet and mobile technologies to change established channels and banking services.     

联机事务处理应用软件的可靠性设计方法

应用软件的可靠性是联机事务处理（OLTP）的关键。利用开放技术实现大规模的应用软件,并以交易中间件为基础框架进行计算机应用系统开发与运行是目前广泛使用的方法。本文主要研究了利用中间件TUXEDO技术以及该技术在联机事务处理应用软件中的容错设计方法。该方法具有可靠性高,容错性好等特点。它已应用于邮政金融网络系统中。     

G&D rolls out home banking system

Hypothekarbank Lenzburg (HBL), one of Switzerland’s major regional independent banks, is to offer its customers a new online banking service. The company’s traditional home banking procedure based on entry of a PIN and TAN (transaction number) will be replaced by the use of smart cards. The technology is being supplied by Giesecke & Devrient (G&D) and its technology partners Trivadis and AET.This is a short news story only. Visit www.compseconline.com for the latest computer security industry news.     

Effective detection of sophisticated online banking fraud on extremely imbalanced data

Sophisticated online banking fraud reflects the integrative abuse of resources in social, cyber and physical worlds. Its detection is a typical use case of the broad-based Wisdom Web of Things (W2T) methodology. However, there is very limited information available to distinguish dynamic fraud from genuine customer behavior in such an extremely sparse and imbalanced data environment, which makes the instant and effective detection become more and more important and challenging. In this paper, we propose an effective online banking fraud detection framework that synthesizes relevant resources and incorporates several advanced data mining techniques. By building a contrast vector for each transaction based on its customer’s historical behavior sequence, we profile the differentiating rate of each current transaction against the customer’s behavior preference. A novel algorithm, ContrastMiner, is introduced to efficiently mine contrast patterns and distinguish fraudulent from genuine behavior, followed by an effective pattern selection and risk scoring that combines predictions from different models. Results from experiments on large-scale real online banking data demonstrate that our system can achieve substantially higher accuracy and lower alert volume than the latest benchmarking fraud detection system incorporating domain knowledge and traditional fraud detection methods.     

Technology adoption: A conjoint analysis of consumers׳ preference on future online banking services

The importance of service delivery technology and online service adoption and usage in the banking industry has received an increased discussion in the literature in recent years. Owing to the fact that Strong online banking services are important drivers for bank performance and customer service delivery; several studies have been carried out on online banking service adoption or acceptance where services are already deployed and on the factors that influence customers׳ adoption and use or intention to use those services. However, despite the increasing discussion in the literatures, no attempt has been made to look at consumers׳ preference in terms of future online banking service adoption. This study used conjoint analysis and stated preference methods with discrete choice model to analyze the technology adoption pattern regarding consumers׳ preference for potential future online banking services in the Nigerian banking industry. The result revealed that to increase efficiency and strengthen competitiveness, banks need to promote smart and practical branded services especially self-services at the same time promote a universal adoption of e-banking system services that add entertainment or extra convenience to customers such as ease of usage including digital wallet, real-time interaction (video banking), ATMs integrated with smart phones, website customization, biometric services, and digital currency. These services can contribute to an increasing adoption of online services.     

基于CICS的交易控制平台的研究与设计

银行业务一般采用交易驱动方式连接应用服务系统进行帐务、交易数据处理.先介绍目前国内银行业信息化建设的行业背景和系统环境,然后提出一个基于CICS的三层架构交易控制平台的模型框架,详细介绍了交易控制平台应用管理和应用服务各个功能模块,分析和研究了交易控制平台技术实现的关键点,最后对平台的特点进行分析.     

浅析网上银行客户身份鉴别安全

为了在网络经济环境中取得竞争优势,银行业纷纷推出网上银行服务。随着网上银行服务的广泛开展,如何更好的规避安全风险问题,是所有客户与银行业非常关心和重视的话题。文章简要介绍了当前网上银行面临的主要风险,对比分析了当前网上银行主流辅助鉴别措施的技术方式、安全性、便捷性和成本数据。最后,从手机网上银行、第三方支付和攻击趋势三个方面阐述了网上银行鉴别安全面临的新挑战。