{"id":226577,"date":"2021-06-08T10:38:21","date_gmt":"2021-06-08T09:38:21","guid":{"rendered":"http:\/\/zakrasnejsivimperk.cz\/?p=226577"},"modified":"2021-06-08T10:39:34","modified_gmt":"2021-06-08T09:39:34","slug":"ceska-sporitelna-george-klic-a-behavioralni-analyza-vyznamne-snizuji-pocet-karetnich-podvodu","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=226577","title":{"rendered":"\u010cESK\u00c1 SPO\u0158ITELNA: George kl\u00ed\u010d a behavior\u00e1ln\u00ed anal\u00fdza v\u00fdznamn\u011b sni\u017euj\u00ed po\u010det karetn\u00edch podvod\u016f"},"content":{"rendered":"

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Od lo\u0148sk\u00e9ho prosince, kdy mohou klienti \u010cesk\u00e9 spo\u0159itelny potvrzovat platby kartou na internetu pomoc\u00ed bezpe\u010dn\u00e9 aplikace George kl\u00ed\u010d, se v\u00fdznamn\u011b sn\u00ed\u017eil po\u010det podvodn\u00fdch karetn\u00edch transakc\u00ed v online prost\u0159ed\u00ed.<\/h6>\n

\"\"Ve srovn\u00e1n\u00ed s lo\u0148sk\u00fdm rokem pr\u016fm\u011brn\u00fd po\u010det podvodn\u00fdch plateb kartou zadan\u00fdch p\u0159es internet klesl o 67 %. K poklesu tzv. fraud\u016f, tedy podvodn\u00fdch transakc\u00ed v\u00fdznamn\u011b p\u0159isp\u00edv\u00e1 i syst\u00e9m behavior\u00e1ln\u00ed detekce, kter\u00fd identifikuje potenci\u00e1ln\u011b podez\u0159el\u00e9 platby na z\u00e1klad\u011b neust\u00e1le se zp\u0159es\u0148uj\u00edc\u00edho behavior\u00e1ln\u00edho platebn\u00edho profilu klienta.<\/p>\n

\u201eSyst\u00e9m behavior\u00e1ln\u00ed detekce neust\u00e1le analyzuje platebn\u00ed chov\u00e1n\u00ed klienta na v\u0161ech elektronick\u00fdch kan\u00e1lech, kter\u00e9 pou\u017e\u00edvaj\u00ed pro obsluhu sv\u00e9ho \u00fa\u010dtu a vytv\u00e1\u0159\u00ed jeho unik\u00e1tn\u00ed behavior\u00e1ln\u00ed profil. Syst\u00e9m vych\u00e1z\u00ed z princip\u016f um\u011bl\u00e9 inteligence a neust\u00e1le zp\u0159es\u0148uje sv\u00e9 znalosti no platebn\u00edm chov\u00e1n\u00ed klienta. Na z\u00e1klad\u011b t\u00e9to podrobn\u00e9 a neust\u00e1le obohacovan\u00e9 anal\u00fdzy dok\u00e1\u017eeme l\u00e9pe detekovat st\u00e1le vznikaj\u00edc\u00ed hrozby, kdy se \u00fato\u010dn\u00edk sna\u017e\u00ed obelst\u00edt z\u00e1kazn\u00edka a zneu\u017e\u00edt jeho finance. Behavior\u00e1ln\u00ed detekce n\u00e1m pom\u00e1h\u00e1 podez\u0159elou platbu zastavit, je\u0161t\u011b ne\u017e je provedena, p\u0159\u00edpadn\u011b zabr\u00e1nit dal\u0161\u00edm podvodn\u00fdm transakc\u00edm,\u201d<\/em> \u0159\u00edk\u00e1 Jan Dachovsk\u00fd, expert na platebn\u00ed transakce v \u010cesk\u00e9 spo\u0159iteln\u011b.<\/p>\n

\u201cNa jednoduchou, bezpe\u010dnou a rychlou metodu pro potvrzov\u00e1n\u00ed plateb, aplikaci George kl\u00ed\u010d, p\u0159e\u0161lo ji\u017e v\u00edce ne\u017e 70 % na\u0161ich klient\u016f digit\u00e1ln\u00edho bankovnictv\u00ed George. Klienti s kl\u00ed\u010dem na sv\u00e9m telefonu nemus\u00ed p\u0159i p\u0159ihl\u00e1\u0161en\u00ed do George nebo p\u0159i zad\u00e1v\u00e1n\u00ed platebn\u00edch transakc\u00ed slo\u017eit\u011b p\u0159episovat \u017e\u00e1dn\u00e9 k\u00f3dy z potvrzovac\u00edch SMS, ale jednodu\u0161e v\u0161e potvrd\u00ed \u0161estim\u00edstn\u00fdm PINem nebo biometricky, tedy otiskem prstu \u010di scanem obli\u010deje,\u201d<\/em> \u0159\u00edk\u00e1 Filip Zeman, \u0161\u00e9f digit\u00e1ln\u00edho bankovnictv\u00ed \u010cesk\u00e9 spo\u0159itelny a pokra\u010duje: \u201cP\u0159edpokl\u00e1d\u00e1me, \u017ee do konce roku bude v\u00edce ne\u017e 90 % na\u0161ich klient\u016f bankovnictv\u00ed George pou\u017e\u00edvat pro potvrzeni plateb aplikaci George kl\u00ed\u010d.\u201d<\/em><\/p>\n

P\u0159esto\u017ee po\u010det podvodn\u00fdch transakc\u00ed kartou na internetu od lo\u0148sk\u00e9ho prosince poklesl, st\u00e1le se objevuj\u00ed pokusy \u00fato\u010dn\u00edk\u016f zneu\u017e\u00edt kartu skrze phising nebo tzv. vishing, co\u017e je telefonn\u00ed podvod, kdy se pachatel p\u0159edstavuje jm\u00e9nem banky nebo bezpe\u010dnostn\u00ed slu\u017eby pracuj\u00edc\u00ed pro banku a sna\u017e\u00ed se z nich z\u00edskat p\u0159ihla\u0161ovac\u00ed \u00fadaje k internetov\u00e9mu bankovnictv\u00ed nebo \u00fadaje o platebn\u00ed kart\u011b.<\/p>\n

\u201cV typick\u00e9m vishingov\u00e9m telefon\u00e1tu podvodn\u00edk, vyd\u00e1vaj\u00edc\u00ed se za pracovn\u00edka banky, klientovi sd\u011bl\u00ed, \u017ee z jeho platebn\u00ed karty nebo \u00fa\u010dtu pr\u00e1v\u011b odch\u00e1z\u00ed podez\u0159el\u00e9 platby a banka pot\u0159ebuje p\u0159ihla\u0161ovac\u00ed \u00fadaje klienta a jeho potvrzen\u00ed v Geoge kl\u00ed\u010di nebo k\u00f3d z potvrzovac\u00ed SMS. Bohu\u017eel ne v\u0161ichni klienti okam\u017eit\u011b poznaj\u00ed, \u017ee se jedn\u00e1 o podvodn\u00fd telefon\u00e1t a podvodn\u00edk\u016fm sd\u011bl\u00ed sv\u00e9 p\u0159ihla\u0161ovac\u00ed \u00fadaje a provedou tak\u00e9 potvrzen\u00ed v George kl\u00ed\u010di nebo sd\u011bl\u00ed k\u00f3d z SMS. \u010casto se jedn\u00e1 o telefon\u00e1ty v no\u010dn\u00edch nebo brzk\u00fdch rann\u00edch hodin\u00e1ch, kdy \u00fato\u010dn\u00edci zneu\u017e\u00edvaj\u00ed men\u0161\u00ed obez\u0159etnosti klient\u016f,\u201d<\/em> popisuje Martina Kadlecov\u00e1, z t\u00fdmu IT bezpe\u010dnosti v \u010cesk\u00e9 spo\u0159iteln\u011b.<\/p>\n

Jak chr\u00e1nit svoji kartu a bezpe\u010dnostn\u00ed \u00fadaje k internetov\u00e9 bankovnictv\u00ed<\/h6>\n

Zam\u011bstnanec banky po klientech nikdy nechce v\u011bd\u011bt bezpe\u010dnostn\u00ed \u00fadaje k internetov\u00e9mu bankovnictv\u00ed nebo k platebn\u00ed kart\u011b. Stejn\u011b tak, banka nikdy nepos\u00edl\u00e1 odkaz, na kter\u00e9m by klienti museli zad\u00e1vat jak\u00e9koliv bezpe\u010dnostn\u00ed \u00fadaje. Klient z\u00e1rove\u0148 nesm\u00ed komukoliv p\u0159ed\u00e1vat k\u00f3dy z bezpe\u010dnostn\u00edch SMS a v aplikaci George kl\u00ed\u010d mus\u00ed potvrzovat pouze to co, co chce ud\u011blat. P\u0159i placen\u00ed je v\u017edy d\u016fle\u017eit\u00e9 v\u011bnovat n\u011bkolik vte\u0159in k p\u0159e\u010dten\u00ed toho, pro jak\u00e9 \u00fa\u010dely se platba potvrzuje.<\/p>\n

V\u00edce o bezpe\u010dn\u00e9m placen\u00ed kartou na internetu na: https:\/\/www.csas.cz\/cs\/o-nas\/bezpecnost-ochrana-dat\/bezpecnostni-desatero-obecna-pravidla<\/a><\/strong><\/p>\n

(tzspo\u0159)<\/strong><\/p>\n

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