THE SECURITY OF ELECTRONIC BANKING电子银行的安全

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1、THESECURITYOFELECTRONICBANKINGYi-JenYang2403MetzerottRd.Adelphi,MD.20783AbstractTheInternethasplayedakeyroleinchanginghowweinteractwithotherpeopleandhowwedobusinesstoday.AsaresultoftheInternet,electroniccommercehasemerged,allowingbusinessestomoreeffectivelyinteractwitht

2、heircustomersandothercorporationsinsideandoutsidetheirindustries.Oneindustrythatisusingthisnewcommunicationchanneltoreachitscustomersisthebankingindustry.Theelectronicbankingsystemaddressesseveralemergingtrends:customersdemandforanytime,anywhereservice,producttime-to-ma

3、rketimperativesandincreasinglycomplexback-officeintegrationchallenges.Thechallengesthatopposeelectronicbankingaretheconcernsofsecurityandprivacyofinformation.Thecurrentfocusofsecurityofinformationtransferisonthesessionlayerprotocolsandtheflawsinend-to-endcomputing.Asecu

4、reend-to-endtransactionrequiresasecureprotocoltocommunicateoveruntrustedchannelsandatrustedcodeatbothendpoints.Thesolutionaddressestheuseofsecureprotocolsbecausetrustedchannelsdontreallyexistinmostoftheenvironment,especiallysincewearedealingwithlinkingtotheaverageconsum

5、ers.Thesolutionstothesecurityissuesrequiretheuseofsoftware-basedsystemsorhardware-basedsystemsorahybridofthetwo.Thesesoftware-basedsolutionsinvolvetheuseofencryptionalgorithms,privateandpublickeys,anddigitalsignaturestoformsoftwarepacketsknownasSecureElectronicTransacti

6、onusedbyMastercardandPrettyGoodPrivacy.Hardware-basedsolutionssuchastheSmartcardandtheMeChipprovidebetterprotectionfortheconfidentialityofpersonalinformation.Software-basedsolutionshavetheadvantageoverhardware-basedsolutionsinthattheyareeasytodistributeandaregenerallyle

7、ssexpensive.IntroductionImagineyourselfinthissituation.Youareathomealoneoneeveningandyouhaveyourcomputerconnectedtoyourbankingaccount.Youarecheckingoutyourbankingaccounttoseehowmuchmoneyyouhave.Likemanypeople,youstillhavealotofmoneyathomebecauseyoudon’tfullytrustthebank

8、ingsystem.Suddenly,youhearanoiseoutsideandjumprightoutofyourchair.Yourushovertothewindowtoseewhoisoutsideandre