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Ukuziqonda KweNkonzo Yosivimbo Kwemisebenzi Yesibhange Sakamuva
Ngesikhathi samuva esidigitali, kuyakhe kakhulu ukusivimba kwemisebenzi yesifundo kubantu bonke nabakhankani. I-Sberbank payments yayiphinde yahlala njengomdlalo mkhulu emsebentisweni wamanje wesifazanezwe, ikakhulukazi eEast Europe neRussia. Umphakathi wabantu wayehlukanisa izinhawu eziningi zokuvimbela ukuqinisekisa ukuthi kube namasebenzi avimbi nemelene kumalungu amaningi akho emhlabeni wona.
Umphakathi wemali ubonile ukuguquka kakhulu ezinkulini zadaselizwe, ngokuba izilwanyo zenzenza zihlale kungakhohlwa. Ngemuva kwezithakatha zokhuseleko kwezimali evela phambili, izimboni zemali kumele zilungise izindlela zokukhuseleka. Inqolobane yezilwanyo yeSberbank yayisiphindisi esikhulu lwesivumelwano, ethuthela izimo ezintsha zokukhuseleka izilwanyo zamakhono.
Izindlela Zokukhuseleka Zezinhlelo Zokwenza Izilwanyo Ngezibizo
Iziphazamiso Zokukhuseleka Ngokusheshayo
Ngaphakathi kwesivumelwano sekhuseleko kwezilwanyo yeSberbank kukhona isimo esihle sentonga yokukhuseleka. Ibhaniki isebenzisa i-256-bit encryption standards, okuyisimo esihle kangaka sokuqhubeka kuleli gama. Lokhu kusivumela ukuthi wonke umlando wemali othunyelwayo phakathi kwekheli nabhaniki usondele kakhulu futhi akhutshelwe ekuthinteni.
Indlela yokuthutha engaqedwanga iqhathanisa ukukhululwa kwegumbi yonke yezokwelapha, iziphindi ze-secure socket layer (SSL), nezinhlelo zokubeka isimo ngemizuzu. Lezi zindlela zokugcina zisebenza ngokuhlanganisa ukuvelisa ihlabezwe eliqinile kakhulu ekungabikho konke okungavumelekile nokungafani kwamathintelo e-cyber.
Izinhlelo Zokuthola Isiqinisekiso Ngokusebenzisa I-Biometric
Inkampani yesabelo le-Sberbank isengeze izindlela ezahlukene zokuthola isiqinisekiso ngokusebenzisa i-biometric ukuqinisekisa ububi bezohlelo. Lokhu kufaka phakathi ukubalwa kwebhabhane, ukubalwa kwe-face, nokuthola isiqinisekiso ngekhala kubasebenzisi base-ezinkundleni. Lezi zindlela zokuphepha zazinzisa ububi ngaphezu kwebhhasiwodi ne-PINs.
Ukusebenzisa teknoloji ye-biometric yasiza ekunciphiseni ububi bekungabi khona konke okuvumelekile, njengoba kwenza indlela yokukhipha kube lula kakhulu kubasebenzisi abanembuso. Isistemu isinconywa kakhulu isithakatha se-user ngemizuzwana embalwa, ibe yilowo ububi nobubi bempilo.
Izinhlelo Zokuphepha Kombusi
Ukumonitora Kwesivinini Nokuthola Ukushayiswa
Isistimba sekhono kwegolide sikhuseleko kusenziwe ngamathithi amadlingana okukhuseleka okubheke isimo sezivinini ngokuvamile. Le zistimu ezinezindlela zingakwazi ukuthola izenzo ezingavumelekile nezivinini eziphatha ukushayiswa ngempela. Xa kutholakala izenzo ezingalindelekile, isistimba sokuthengisa seSberbank sithinta ngokushesha izivakashi ezifanele zokukhuseleka ukuze kugcinwe i-akhawunti zabasebenzisi.
Isistimba sokuthola ukushayiswa sisanala izilinganiso ezahlukene kanye nedolobha yezivinini, ubude bezivinini, inani, isikhathi, nendimi yomkhenywa. Lokhu kumele kunciphisa nokukhumbula izivinini ezingavumelekile ngaphambi kokuba zenziwe, kunciphisa abasebenzisi.
Indlela Yokuthola Isiqinisekiso Sokukhuseleka
Umsebenzi wonke ngaphakathi kwezimali ze-Sberbank kudinga ukuthembeka okungaphezu kwefinyelela, uhlelo olusidla ukuthi abasebenzisi abaqukethwe kuphela angafinyelela nokuphatha izikhwama zabo. Lokhu kungenzeka kufaka phakathi okuthi umsebenzisi uyazi (igama lokugqitha), okuqukethwe yona (isilonda esihamba sokuvikela nge-SMS), kanye nokuthi ungubani na (imbono yokudonsela).
Umkhuba wokuthembeka wenziwa ukuthi ube ngcono ngokuphelele kanye nokulungileyo kumsebenzisi, ukuhlanganisa phakathi kokuphefumula kakhulu kanye nokufinyelela okunjalo. Izibuyekezo ezihlanjwayo zokuphefumula kanye nezibuyekezo zesistimu zihlengeza ukuthi izinhlelo zokuthembeka zilindelekile kulezo ziphatshana eziphuthumayo.
Izimali Zomphakatini Nezivikelo
Inkambo Yolawulo Nezivikelo
Isisteme yokukhokha kukaSberbank isilandelana ngezinhlobo zokuphepha kwemali yasendleleni futhi inake izivumezo ezihambelana. Lokhu kufaka phakathi ukulandelana kwe-PCI DSS (Inqubomgomo Yedatha Yekhadi Yokukhokha) nezinhlalo eziningi zezenqubomgomo zokuphepha. IBhanki iyaphazanywa ngokuphindaphindiwe ngokulinganisa nokuhlola okuphephile ukuze inake lezi zivumezo.
Inqubomgomo yesivumezo iqinisekisa ukuthi konke okuphephile kuhlangane noma kungaphezulu kwezidingo zasendleleni, ekunikeza abasesheli izinhlobo eziyaziwa ngempela yasendleleni zokuphepha kwezimali zakho.
Ukuphepha Kudatha Nokugcina Kwizwi
Ukuphepha kwebhinga lombuziso kumuntu umphathi uyisikhumbuzo esiphakeme kumsebenzi wokukhokha kukaSberbank. IBhanki ibophephela izinhathiselwano ezibucayi zokugcina izwi ezilandelana nezinhlalo zasendleleni njenge-GDPR. Konke umbuziso wabantu usondelwa emkhakheni ethintekayo, eqiniswe ngokugcinwa kwegumbi elingalwaneli.
Izibuyekezo zokuphatha isiqinisekiso neziphatshiwa zifakelwa kuzo zonke izinhlelo ukuze ziphinde ziphinde ziphele izinkinga ezintsha. IBhanku futhi inakekela imithombo engqondene ngalolu hlelo olwaziwe ngezivinini, ukuqinisekisa ukubangelwa nokubonakala konke.
Izici Zokuphepha Kwemobile Banking
Uhlelo Lwesicwangciso Esiphathelene
Isicelo sikaSberbank sephethe mobile sibekwe ngosiqinisekiso njengendlela eyisisekelo. Isicelo sinamathuba afana nohlelo oluzenzile okuphela kwiseshini, izindlela zokuxhumana ezihlakaniphelekileyo, kanye nokubamba kwegadethi ukuze kube yimali ukufinyelela kumagadethi angaziwa. Izibuyekezo ezizenzile zokuphepha ziqinisekisa ukuthi isicelo siyaphela kusenziwa kwingcinga ezintsha.
Inqanawa yemobile iphanda ivavanywa ngokugcwele ngaphambi kokuthunyelwa kwenye iphayi, ukuqinisekisa ukuthi wonke amathuba ayasebenza ngendlela esebenza kanye esebenzile. Isicelo sinezici ezifinyezayo zokuphepha njengezilinganiso zokuthengisa kanye namathuba okulungisa izaziso.
Ukubalwa Kwegadethi Nokuphepha
Xa usebenzisa imvume ye-Sberbank ngemithombo yezimali, izimo eziningi zokuphatha iqiniso lokuthi umsebenzisi nomnxeba. Isistimu ichazela ukuthi izinxeba eziphulwa kuma-jailbreak noma ama-rooted, okungaba khona kungathintela ubuphelele. Kufanele ngalunye ulwazi luthuthwe endleleni yokubhalisa kabefore akwenzakalela ukuthi kwenzeke.
Isahluko sendawo esihlukileyo se-imephu sinesivumelwano esivikela phambi kwamathambo nezinye izinkinga ezithile zomnxeba. Abasebenzisi bafana nokusho olusodwa ngalunye ukugcina kwalokho noma imvume, ukuvumela ukuthi bakhetha ngokushesha futhi babize konke okungavumelekile.
Imibuzo Evame Ukubuzwa
Kunjani u-Sberbank avikela phambi kwemvume engavumelekile?
Isistimu somvume we-Sberbank isebenza ngamazimo amaningi okuphatha okuhlanganisa ukugayaza, ukwakhiwa okungeziwe okungeziwe, ukubeka okoqobo, nezinhlelo zokuthola izici ezingalungile. Imvume ngalunye ivikiswa ngama-checkpoint amaningi kabefore ekhokhelwa, kanti izinto ezingalungile zibonakala ngokushesha ukuthi zilondolozeke.
Kufanele nginiyini uma ngibona into eyengalungile ekhokweni kwami?
Ukuba uqhubeka ngenhloso yomsebenzi owahlukile, sicela uqhambane ngokushesha nemigomo yesimanje ye-Sberbank eyaziwa kuzo konke izinsuku. Amakhasi esimanje sekhangeli singayika akhawunti yakho uma kudingeka futhi sifunde amalungelo alinganayo. Kuyavunyelwe futhi ukuthi ushintshe iphasiwedi yakho futhi uvuselele imisindo yakho yesimanje ngokusheshako.
Izilungiso zangaphandle kwe-Sberbank ziyathembekile?
Yebo, izilungiso zangaphandle kwe-Sberbank zihlinzekwa ngamathuluzi okuhlinzeleka angcono njengazo zonke izilungiso zangaphakathi. Isibanki sisebenzisa i-SWIFT nezinhlaka ezithembekile zezinkampani zangaphandle, zihlakaniphisa ukuthi izilungiso eziphazanyayo zihlakanipha nezinhlobo zokuhlinzeleka zangaphandle nokuxhumana nokwamukelwa kwemithetho.