{"id":128213,"date":"2018-04-17T13:43:53","date_gmt":"2018-04-17T12:43:53","guid":{"rendered":"http:\/\/zakrasnejsivimperk.cz\/?p=128213"},"modified":"2018-04-17T13:43:53","modified_gmt":"2018-04-17T12:43:53","slug":"dtest-jak-bezpecne-platit-na-internetu","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=128213","title":{"rendered":"dTEST: Jak bezpe\u010dn\u011b platit na internetu"},"content":{"rendered":"

\"\"<\/p>\n

 <\/p>\n

Dob\u00edrka st\u00e1le pat\u0159\u00ed mezi nejpou\u017e\u00edvan\u011bj\u0161\u00ed zp\u016fsoby plateb p\u0159i nakupov\u00e1n\u00ed na internetu, existuje ale \u0159ada dal\u0161\u00edch online platebn\u00edch metod. Ty umo\u017e\u0148uj\u00ed zpravidla rychlej\u0161\u00ed a pohodln\u011bj\u0161\u00ed placen\u00ed, d\u00edky \u010demu\u017e lze nakupovat online bez zbyte\u010dn\u00e9ho \u010dek\u00e1n\u00ed. Jak\u00e9 mo\u017enosti placen\u00ed m\u016f\u017eete na internetu vyu\u017e\u00edt? Kter\u00e9 jsou v\u00edce a kter\u00e9 m\u00e9n\u011b bezpe\u010dn\u00e9 a na co je dobr\u00e9 si d\u00e1vat pozor?<\/h6>\n

\"\"Nejpohodln\u011bj\u0161\u00ed platebn\u00ed metodou je platba kartou online. K jej\u00edmu proveden\u00ed sta\u010d\u00ed b\u011b\u017en\u00e1 platebn\u00ed karta s povolen\u00fdm placen\u00edm na internetu a dostate\u010dn\u00fdm limitem. Platba kartou s sebou v\u0161ak bez dal\u0161\u00ed \u00farovn\u011b zabezpe\u010den\u00ed p\u0159in\u00e1\u0161\u00ed riziko zneu\u017eit\u00ed, proto\u017ee p\u0159i n\u00ed u\u017eivatel zad\u00e1v\u00e1 nejen \u010d\u00edslo karty, ale tak\u00e9 CVV \u010di CVC k\u00f3dy \u2013 tedy \u00fadaje, se kter\u00fdmi m\u016f\u017ee platit kdokoliv, komu se dostanou do ruky. \u201eProto k placen\u00ed kartou pou\u017e\u00edvejte ide\u00e1ln\u011b prost\u0159ed\u00ed zprost\u0159edkovatel\u016f plateb, jako jsou nap\u0159\u00edklad GoPay nebo GP webpay. Zad\u00e1v\u00e1n\u00ed \u00fadaj\u016f o kart\u011b v prost\u0159ed\u00ed e-shopu, zvl\u00e1\u0161t\u011b pak zahrani\u010dn\u00edho, se rad\u011bji vyh\u00fdbejte,\u201c<\/em> doporu\u010duje Luk\u00e1\u0161 Zelen\u00fd, vedouc\u00ed pr\u00e1vn\u00edho odd\u011blen\u00ed spot\u0159ebitelsk\u00e9 organizace dTest.<\/p>\n

V\u017edy zkontrolujte, \u017ee e-shop i str\u00e1nka, na kter\u00e9 zad\u00e1v\u00e1te \u00fadaje, maj\u00ed na za\u010d\u00e1tku sv\u00e9 internetov\u00e9 adresy \u201ehttps\u201c. To zna\u010d\u00ed, \u017ee p\u0159enos informac\u00ed prob\u00edh\u00e1 v \u0161ifrovan\u00e9 podob\u011b. Pokud zjist\u00edte, \u017ee konkr\u00e9tn\u00ed e-shop nebo jin\u00e1 slu\u017eba nem\u00e1 takto \u0161ifrovanou komunikaci, rozhodn\u011b zpozorn\u011bte a \u017e\u00e1dn\u00e9 \u00fadaje nezad\u00e1vejte. A\u010dkoliv absence certifik\u00e1tu v mnoha p\u0159\u00edpadech nemus\u00ed znamenat nic v\u00edc ne\u017e laxnost obchodn\u00edka, potenci\u00e1ln\u00ed zneu\u017eit\u00ed \u00fadaj\u016f o kart\u011b by v\u00e1s mohlo p\u0159ij\u00edt draho. Setkat se m\u016f\u017eete tak\u00e9 s hl\u00e1\u0161kou webov\u00e9ho prohl\u00ed\u017ee\u010de, \u017ee certifik\u00e1t je neplatn\u00fd nebo vypr\u0161el. I v takov\u00e9m p\u0159\u00edpad\u011b je nam\u00edst\u011b opatrnost. Platbu rad\u011bji neprov\u00e1d\u011bjte, a bu\u010f kontaktujte obchodn\u00edka, nebo si najd\u011bte jin\u00e9ho.<\/p>\n

\u201ePodstatn\u011b bezpe\u010dn\u011bj\u0161\u00edm zp\u016fsobem platby kartou je vyu\u017eit\u00ed zabezpe\u010den\u00ed 3D-Secure, p\u0159i kter\u00e9m se obchodn\u00edk pouze dozv\u00edd\u00e1, zda platba byla, \u010di nebyla provedena,\u201c<\/em> \u0159\u00edk\u00e1 Luk\u00e1\u0161 Zelen\u00fd a dod\u00e1v\u00e1: \u201eP\u0159ed zah\u00e1jen\u00edm platby bohu\u017eel nem\u00e1 u\u017eivatel mo\u017enost toto zabezpe\u010den\u00ed poznat a to, \u017ee jej obchodn\u00edk proklamuje, nemus\u00ed nic znamenat.\u201c<\/em> N\u011bkter\u00e9 banky zvy\u0161uj\u00ed ochranu zas\u00edl\u00e1n\u00edm autoriza\u010dn\u00edch SMS nebo e-mail\u016f s k\u00f3dem, bez kter\u00e9ho nen\u00ed mo\u017en\u00e9 platbu prov\u00e9st.<\/p>\n

Obl\u00edben\u00fdm zp\u016fsobem online plateb jsou takzvan\u00e9 internetov\u00e9 pen\u011b\u017eenky. \u00dahrada je prov\u00e1d\u011bna v\u011bt\u0161inou z kreditu, kter\u00fd jste si \u201edobili\u201c kartou online, oby\u010dejn\u00fdm p\u0159evodem, nebo prost\u0159ednictv\u00edm propojen\u00ed pen\u011b\u017eenky s va\u0161\u00ed platebn\u00ed kartou, jej\u00ed\u017e \u00fadaje se v\u0161ak obchodn\u00edk nedozv\u00ed. Nejzn\u00e1m\u011bj\u0161\u00ed internetovou pen\u011b\u017eenkou je PayPal, kter\u00fd funguje na principu zprost\u0159edkov\u00e1n\u00ed platby, ani\u017e byste obchodn\u00edkovi prozradili \u00fadaje o platebn\u00ed kart\u011b. Je celosv\u011btov\u011b roz\u0161\u00ed\u0159en a \u010dasto funguje v e-shopech, kter\u00e9 sv\u00e9 zbo\u017e\u00ed nebo slu\u017eby prod\u00e1vaj\u00ed do zahrani\u010d\u00ed, k \u010demu\u017e umo\u017e\u0148uje i snadnou konverzi m\u011bny. K platb\u011b sta\u010d\u00ed m\u00edt na PayPalu zalo\u017een\u00fd \u00fa\u010det a p\u0159i objedn\u00e1vce potvrdit platbu v jeho vlastn\u00edm prost\u0159ed\u00ed. I v tomto p\u0159\u00edpad\u011b je d\u016fle\u017eit\u00e9 nastavit bezpe\u010dn\u00e9 heslo, jednou za \u010das jej zm\u011bnit a nastavit si vhodn\u00e9 limity.<\/p>\n

Platit za online n\u00e1kupy a slu\u017eby je mo\u017en\u00e9 samoz\u0159ejm\u011b pomoc\u00ed b\u011b\u017en\u00e9ho nebo prioritn\u00edho p\u0159evodu. V takov\u00e9m p\u0159\u00edpad\u011b v\u0161ak obchodn\u00edk dostane informaci o proveden\u00e9 platb\u011b a\u017e za n\u011bkolik dn\u00ed. \u201eN\u011bkter\u00e9 banky proto nab\u00edzej\u00ed online platby nebo zrychlen\u00e9 p\u0159evody, p\u0159i kter\u00fdch doch\u00e1z\u00ed k p\u0159esm\u011brov\u00e1n\u00ed u\u017eivatele do jeho internetov\u00e9ho bankovnictv\u00ed s p\u0159edvypln\u011bnou platbou, kterou sta\u010d\u00ed jen autorizovat. Bank je ov\u0161em hodn\u011b, a proto se s t\u00edmto zp\u016fsobem platby nej\u010dast\u011bji setk\u00e1v\u00e1me v r\u00e1mci takzvan\u00fdch platebn\u00edch bran, kter\u00e9 agreguj\u00ed v\u00edce r\u016fzn\u00fdch online plateb,\u201c<\/em> vysv\u011btluje Zelen\u00fd.<\/p>\n

A\u0165 se rozhodnete pou\u017e\u00edvat jakoukoliv z platebn\u00edch metod, v\u017edy bu\u010fte opatrn\u00ed. Jen tak si budete moci nakupov\u00e1n\u00ed p\u0159es internet u\u017e\u00edvat bez zbyte\u010dn\u00fdch lap\u00e1li\u00ed.<\/p>\n

dTEST<\/strong><\/p>\n

Ilustra\u010dn\u00ed foto: archiv (red) – Za kr\u00e1sn\u011bj\u0161\u00ed Vimperk<\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

  Dob\u00edrka <\/p>\n","protected":false},"author":2,"featured_media":128214,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"footnotes":""},"categories":[87],"tags":[],"jetpack_featured_media_url":"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/04\/17\/r\u00e1me\u010dek-dtest-1070418.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/128213"}],"collection":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=128213"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/128213\/revisions"}],"predecessor-version":[{"id":128215,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/128213\/revisions\/128215"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/128214"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=128213"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=128213"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=128213"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}