Online Personal And Corporate Banking

1) What are the most common attacks made by hackers?
2) What are the security measures I should take?

3) How bank account is attached/communicate with
i) ATM
ii) Visa/Mastercard or etc
iii) One bank to another bank
iv) Mobile for SMS alerts

4)What extra features do industrialist/organisation's have/need in online banking?(Difference between personal and corporate online banking)

1) What are the most common attacks made by hackers?
A. Don't confuse a hacker with a thief.
The most common attack is from within or from an employee not taking proper precautions. Such as writing access passwords on a sticky note. With 1024 encryption (last time i checked) you could sit for millions of years trying to crack the encryption key to gain access.

2) What are the security measures I should take?
Don't give out your PIN or online banking password or the answer to your security question. Make the security question something only you would know. Like your favorite food for example

3) How bank account is attached/communicate with
i) ATM
Hard wired via the internet, over a secure connection. These terminals always are wired with a cable directly to a connection to the internet (not wireless) and sent encrypted
ii) Visa/Mastercard or etc
same as above
iii) One bank to another bank
same as above or via a virtual private network connection
iv) Mobile for SMS alerts
You can find software to send sms messages from your PC. The banks use this type of software, as well as software to send messages. A computer controls who gets which message, or if everybody gets it.
*NEVER use a cell phone or cordless phone to access your bank information or give your credit card info over a non-hardwired communication device.*

4)What extra features do industrialist/organisation's have/need in online banking?(Difference between personal and corporate online banking)
Most have a company database and accounting department, as well as software to track things like attendance, bonuses, pay scale, hours worked, vacation time, sick time, pretty much anything you get paid for or not paid for, as well as taxation software, pension plan, UI, and other deductions you see on your T4 slip. They do almost everything on an automatic level, only entering in variable data, such as if you were sick a day and did not work.

2008-07-23 19:06:13 by Anjaneya

M&I discussion of how they evaluated, implemented, developed and deployed OpenSpan solutions into their front office and back office workers ...

If a bank allows you to open a new account after an overdraft account with same bank was discharged in a ch7 bankruptcy can they take funds from the new account to satisfy the discharged one? I had to file both a corporate and personal ch7 BK about a year ago. The bank where I had my accounts was Bank of America. My accounts were overdrawn and that was included in the BK. The BK was just now discharged and that debt discharged along with the BK. I had a savings account with them as well which remained open with a balance of $14.64 in it and that account is still open today with the same $14.64. I started a new company (Sole Prop w/DBA) and went to BOA online and opened new business accounts. I am concerned that they would be able to take funds that I deposit into my new accounts to try to satisfy the discharged debt. I have called many people with BOA to ask this question and most have no clue but one said absolutely they could but didn't seem to have referenced anything other than her own belief when answering. If I deposit funds into these new accounts and the take the funds then my business and me personally would take an unrecoverable hit. So I need to know if they can indeed take funds from the new accounts or do the federal BK laws protect me in that they can not collect a debt that was previously discharged in a BK? I welcome opinions with your answers but mainly request facts that directly pertain to this subject. Thanks for the help!!!

It is a violation of Federal Bankruptcy law for a creditor to take any steps to collect or attempt to collect a debt that has been discharged in bankruptcy.

That said - BEFORE you open the account, READ the teeny tiny print on the "terms and conditions" CAREFULLY. Banks sometimes "cross collateralize" multiple accounts with extremely complicated legal agreements -- which allow them to "offset" a discharged debt from one account with seizure of funds from another account.

If you have any questions, have your attorney review the new terms and conditions BEFORE you sign them to open the new account(s).

2009-12-23 10:08:21 by Fence

Price: $99.00

What did John McCain know and when did he know it? The fact that McCain's son is involved in a major bank failure should come as no surprise to those who know John McCain history. John McCain had a major role in one the last multi-billion dollar real estate and bank frauds called the "Savings and Loan Scandal." Republicans, it seems, can't get enough of waste, fraud, and failure. That's what you're voting for when you vote for them.

Nevada regulators closed Silver State and the Federal Deposit Insurance Corp. was appointed receiver of the bank, based in Henderson, Nev. It had $2 billion in assets and $1.7 billion in deposits as of June 30.

Andrew K. McCain, a son of Republican presidential nominee John McCain, sat on the boards of Silver State Bank and of its parent, Silver State Bancorp, starting in February but resigned in July citing "personal reasons," corporate filings with the Securities and Exchange Commission show. Andrew McCain also was a member of the bank's audit committee, responsible for oversight of the company's accounting.

The younger McCain, who is the chief financial officer of Hensley & Co., the beer distributorship of which Cindy McCain is chairwoman, is the Arizona senator's adopted son from his first marriage.

Andrew McCain's position on the Silver State board and departure were first reported Friday by The Wall Street Journal online.


Attempts to compare lobbying activities to multi-billion real estate and bank fraud seems more thn stretch, don't you think? And you haven't answered the question: did John McCain tell his son to resign? what did Andrew and John McCain know ahead of time?

And you are going to vote for McCain and you don't to answer these questions, then answer this one: Why do you love crime, corruption, and fraud so much? Do you really hate Americans that much?
http://sg.news.yahoo.com/rtrs/20080906/t bs-silverstate-fdic-7318940.html

Interesting. Well their children never have to worry about being out of a job...but this does make you wonder and it does seem shady.

2008-09-06 14:08:16 by Ralph A

Price: $79.95

Our Ref: Date: 29/09/2009


Dear Lucky winner,

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However, We are pleased to inform you of the result of the just concluded monthly final draw held on the (10th September, 2009) by Coca cola company in conjunction with the British American Tobacco Worldwide Promotion.Your email was among the 20 Lucky winners who won £1,000,000.00(ONE MILLION GREAT BRITISH POUNDS) each on the Coca Cola Company monthly promo award 2009.

The result's were released on the 14th September, 2009 and your email address was attached to ticket number (CCWZ2009) and ballot number (BT:240420/09).The online draw was conducted by a random selection of email addresses from an exclusive list's of 29,031 E-mail addresses of individuals and corporate bodies picked by an advanced automated random computer search from the internet.

No Tickets were sold for the lottery,but all email addresses were assigned to different ticket numbers for representation and privacy. The selection process was carried out through random selection in our computerized email selection machine (TOPAZ) from a database of over 250,000 email addresses drawn from all over the continent.



To enable the paying bank proceed with the release of your funds, we want you to contact the bank with your ballot(BT:240420/09) and ticket(CCWZ2009) numbers alongside with your personal contact information.below is the bank contact details:

BARCLAYS BANK,LONDON.

BANK ADDRESS:
1 Churchill Place, London
E14 5HP,United Kingdom.
Registered No: 1026167.
Telephone: +447031990684
Fax Number: 0865498764
Bank Email:contactus@e-bankbarclays.com


Once more, We the entire staff and board of directors of this company says congratulations and wishes you the best of luck.

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You must be at least 18 years or above to claim prize

That is a scam - do not respond to it in any way - delete it


http://www.thecoca-colacompany.com/conta ctus/myths_rumors/packaging_award.html

2009-09-29 07:58:05 by lala

My driver license was stolen sometime between January 12th and January 15th I found this out only after it was used when someone went through the drive up at my bank handed the teller my drivers license posing as me said they didn’t know their account number, the teller looked up the account number, gave out my account number to these (at least I know there was two involve, one was a female passenger) people, they withdrew over 400.00 out of my checking account. I found out about it the next day when I went to check my account balance online. I immediately contacted the fraud department by calling the banks toll free number. I also went to my local branch immediately the same day, closed out my account and reopened a new account this time placing a password on my checking account, a Personal Banker at the branch also placed notes on my account stating the current fraud activity.

Two weeks later January 28th, the same people attempted to do it again. They went to the same bank using the drive thru, attempted to withdraw money again. The teller again gave out my NEW account number! Only after giving out that new account number was my password verify along with other identifying information. The branch manager from the bank where this has taking place, contact the Personal Banker that I have been personally dealing with she in turned contacted me, informing me of another attempt to gain access to my account had just accrued and that account number too had been compromised. I will have to close this account too. Was told at that time this person (female) even tried to contact the corporate office to get the password removed from my account so they can withdraw funds My Personal Banker even told me she had a conversation with this person over the phone and knew it wasn’t me.

My bank said they have an image of the person and that their security people had given that information to the police, I too made out a police report when this took place the first time and reported the new attempt involving my new account number too. The Personal Banker told me they caught an image of the license plate used to attempt this crime the second time, but later recanted that statement changing her story stating there was never an image taken of these people or license plate number. I was also informed by the investigating officer that the bank never reported the first theft.

I’m in the process of closing out my accounts and switching to a different bank. So far I have not received my money back and was told it was still pending as of January 29th.

I have not found out if the same teller was involved or not
I would like to know if I have a case of any kind against this bank?

If the bank has replaced the funds, then no, you don't have a case. If they didn't, with the amount involved, you can file a small claims case.

2010-01-31 15:17:36 by dsd_071055