In the age of the Internet & emerging technology ,we can get anything from remote location with the help of E-Commerce technology. which is really time savey and lightning fast process. Their is no harassment of waiting in queues, no need to carry physical cash etc. These stuffs play very crucial role in our life. Many peoples and Banks offering the Internet Banking Service to their customers either via Credit, Debit or E-Cash Cards. All of this functionality help us a lot in our day-to-day life to pay our Electricity bill, Telephone bill etc. This ubiquitous way helping us to save our time as well as our efforts too. Though all this looks great we must be careful while consuming all these stuff.
You must focus on your security and privacy.Which are major and most important factors of any online consumer.Though we get all the things remotely their are certain flaws or intruders or hackers are present to steal or break our privacy as well as security. So we have to tackle such situation by following and implementing certain guidelines of Online Security, I saw many people who are really hesitate to do online transaction because of security purpose. On last day one of my blogger friend Amit’s ICICI bank account got hacked from Netherlands and large amount of transaction was made :(. I don’t thinks so why it was happen with him because he is really a great Techno-Geek who follow most of internet security terms, I think if its account got compromised means other peoples may be more vulnerable for such attack , So I decide to put all measure concern of online security.I strongly recommended you to follow my guidelines to avoid such type of attacks. Nobody is King of Internet World.
Basic differences between a Debit Card vs Credit Card
When you use a credit card, the credit card authority essentially extends you a loan for the amount of transaction that you made through it. You need to put sign for this purpose when using it in mall or in any consumer store. But if you are using online you need to verify your Credit as well as Debit card either with Master secure code or Verified by Visa which is nothing but your password, which can be set by doing free registration through your Banks Website and when they send you a bill, you are obligated to pay your balance. If you do not, the credit card authority will charge you interest rates and fees. A debit card is connected(associated) with your bank account. When you make a purchase or do any transaction online , that exact amount of money is taken out of your bank account at same time. When you use debit card, you typically use a PIN(Personal Identification Number) number or Master or Visa Secure Code. Both cards have limit of transaction amount for particular month/year. Its totally depend on your card type. The cards look same, but are very, very, different in operation perspective.
Must Recommended for Online Transactions on PC:
1. Update your Windows/Linux/Mac System regularly to avail the latest security updates. 2. Use updated browser like Firefox/Chrome/IE8/Opera etc. 3. Install best and updated Internet Security suite/Antivirus Software .
1. Use highly recommended security plugins into your browser:
i. Install WOT (Web Of Trust)
WOT is best and most popular security plugin for all major browsers who basically show you reputation of any web-site. Its either good or bad using their quality algorithms.
Circle with glowing star above indicate that you are not Rated that site yet. ii. Use cache & cookies auto cleaning plugins or configure your browser accordingly. Never save your password in browser/mobile.
2. Recommended tips while initiating transaction through PC or Mobile browser:
1. Do Shopping on Familiar/Trusted Websites & Use Consistent Internet Connection :
Do your online shopping on trusted & well known sites which provide guarantee of privacy and security. E.g Ebay, Flipcart, Rediff shoppe, New-Egg,Infibeam, Rechargeitnow. Your internet connection & its consistency also affect the transaction response time. So use high speed connection like broadband, slow/interrupted connection leads to malfunction.
2. Choose Cash On Delivery If Available :
If you feel insecure while dealing with credit or debit transaction its a good way to order any product via CoD, Cash on delivery help you to pay by cash at your door steps.
3. Check URL Of Website:
Always ensure exact URL of website,it must be in-proper format like www.ebay.in which is legitimate ,not like www.freeproduct.ebay.com , which may be phishing website.
4. Be Sure that you are on HTTPS :
Many intruders/hackers steal your content if you are not on SSL(Secure Socket Layer)encryption.So do check out this,Its near to address bar. Unfortunately some intruders get verisign and comodo security SSL certificate , so it may fool you as per my recent post ” SSL not Secure Anymore”
5.Use Strong Password & One Time Credit Card (Virtual Card) or Paypal Checkout:
Strong password will become hard to crack so try to put more complex password for your net-banking/credit card account. Wolframalpha help you to generate strong password. Ask your bank or company to give you a virtual credit card number which will no longer available after one time use. Paypal check out is also good option which include your enrolled credit/debit card.But now days in India they strict out the policies and TOS
6. Be Sure About Your Payment Gateway & Use Virtual On-Screen Keyboard:
Payment gateway is major concern of any transaction, so go with trusted and well know payment gateway sites like many Nationalise banks gateways and all.Use On-screen-Key board while sending your card info, which will avoid the tracing of any key-logger program.
7. Recognize Cheap & Safe Retailer:
If you really searching for lots of e-commerce site for bargaining then do your best while choosing any cheap one w.r.t above factors .
8. Shop From Your Private PC & Don’t put any scripts for Discount:
Do online banking from your private PC instead of public. Don’t put cheap discount Script in address bar, it may leads to steal your information.Use best antivirus program for your PC
9. Never Respond To Fake & Spam Emails:
Ignore all emails which ask you to provide your Credit/Debit card information.
10. Avoid Mobile Internet To Place An Order:
Try to avoid placing order from your mobile, most of browser like opera mini are intermediate service base browser, means to make compression they may store your data in third party servers.
11. Subscribe for SMS & Email alerts of Transaction:
Ask your bank to start using various alert services(SMS/Email) & report your bank if you encounter with any abnormal situation. I hope this will help all our readers to enhance their view on protecting Internet based PC.