Net Banking ko surakshit kese rakhe

Net Banking ki wajah se aaj Banking kafi suvidhajanak ho gaye hai. Lekin isme kai jokhim bhi hain. Iska khub istemal kare, lekin isse jude security features ko achhi tarah se samajh le.

Net Banking aaj esi behtareen suvidha ho gai hai ki jiski vajah se logo ko Bank jane ki zarurat nahi padti. Kai logo ko to ab Bank gaye hue mahino ya kai saal ho jate hai. Lekin Net Banking karne ke kai jokhim bhi hai. Isliye Net Banking ka aap khub istemal kare, Lekin inse jude security feature ko achhi tarah se zarur samajh le.

Net Banking ke fayde

Aap Net Banking se apan balance dekh sakte hai. Pichle kai mahino ka statement le sakte hai., Apne kisi check ke liye stop pement kar sakte hai, Bilo ka bhugtan kar sakte hai ya Check book ve Draft ke liye request bhej sakte hai. In sabke liye aapko bas ek internet connection ki zarurat padti hai.

Kis tarah ka hai zokhim

Net Banking karne par kai tarah se Cyber Crime ki shikar hone ka jokhim rehta hai. Phishing ke dwara aapke id or password ko churaya ja sakta hai. Ese farji mail bheje ja sakte hai, jisme yeh dhikaya gaya ho ki Bank aapki jaankari update karne ke liye aapka id or password ya Bank account ka koi anye detail maang raha hai.

Kese ho suraksha

Apne bank ki website address  ya URL ko yaad rakhe. Yadi kisi alag tarah ka URL khulta dikhe to sachet ho jaye, veh farji website ho sakti hai. Bank account ko kholen ke liye hamesha bank ke URL ka hi istemal kare. Mail me aye kisi link par kabhi click kar iska istemal na kare. Is tarah se aap  phishing ka shikar ho sakte hai.

Dhyan rahe ki aapke bank ka URL HTTP ki HTTPS se shuru hota hai. Yaha ‘S’ ka matlab secure site se hai. Sahi website ho to hi apne user id or password ka istemal kare. Apne computer  ke operating system or browser ko latest security system ke sath update rakhe. Jab bhi sambhav ho one-time password suvidha ka upyog kare.

Is tarah ka one-time password apke phone number par ya Email par aata hai. Isliye koi bhi iska durupyog nahi kar sakta hai.

Ese  kisi vyakti ya organization ki taraf se aye kisi programme ya file ko open , run ya install na kare, jise aap nahi jante ya jo koi famous vendor nahi hai. Is baat ko achhi tarah samajh le ki kisi bank ka koi partinidhi kabhi bhi phone ya email se aapke user id, credit card number ya password  ki jaankari nahi mangta. User name ya password save karne ke browser option par kabhi bhi click na kare. Jahan tak sambhav ho kisi Cyber café se internet banking ke istemal se bache. Isi tarah free Wi-Fi wali jagah se bhi internet ka istemal zyada surakshit nahi hota.

Password ho mazbut

Aapka password kafi mazbut hona chahiye. Sabse achha password uuse mana jata hai jisme Upper or Lower case letter, Number or special character ek sath ho. 2 ya 3 mahine me apna password zarur badle or use achhi tarah se yaad kar le. Aasani se guess karne vala password kabhi na rakhe jese apna pehla naam, janamtithi ya mobile number ya jese 1234 ya abcd etc. Yadi aapke paas kai bank account hai to sabke password ek rakhne ki bhul na kare.

On-Screen ya Virtual Keyboard

Yeh apne password ko surakshit rakhne ka sabse aasan tarika hai. Sabhi Bank is tarah ka vikalp dete hai. Isme jab aap user id dalte hai to uske baad password dalne ke liye virtual Keyboard ka option chun sakte hai. Is tarah se password dalne par aapka transaction surakshit rehta hai.