Security of Internet banking Plus
Basic security of Internet banking Plus is identical with that of Internet banking.
Extended validation SSL certificate
SSL certificates with extended verification of an applicant provide higher trustworthiness level. The procedure of verifying the applicant for EV SSL certificate is much stricter and more complicated than the procedure of verifying the applicant for a standard SSL certificate. The certification authority verifies the applicant’s identity in several ways, by independent sources and by official authorities as e.g. state institutions.
Thus the EV SSL certificate provides a guarantee that the webpage having it actually belongs to the relevant organization.
If a webpage has an EV SSL certificate, modern browsers (MS Internet Explorer 7 and higher, Mozilla Firefox 3.5 and higher, Safari 3.2 and higher, Opera 9.5 and higher, and Google Chrome) indicate it. Specifically, MS IE 7 and higher changes the background color of the address bar (the line with the webpage address) from white to green. Next to it is a name of the company that had the certificate issued, or the name of the certification authority as well. Thus you can be sure that you are actually on the website of the relevant company.
If you are using the above browsers and the webpage is displayed with a red background in the address bar, be very careful and do not enter any login data into the webpage. You may fall a victim to a fake webpage. Another reason why the address bar may turn red is that you do not have the latest operating system updates installed, or certificates of the certification authority that issued the EV SSL certificate. For more information see the webpage of our EV SSL certificate issuer http://www.entrust.net/ssl-technical/ev_faq.htm#q1.
In contrast with IB, electronic signatures to the transactions and encryption of transaction receipts enhance the security of IB plus.
You will be issued two clients certificates as to make use of the additional security: the signing certificate and the encryption certificate.
Two keys – the private and public ones form an integral part of each certificate.
Your private signing key serves to create your electronic signature. Confirmation sent by the bank are encrypted by your public encryption key. Your private encryption key enables to view them.
As indicated in your request, the keys (public and private) along with the certificates may be saved either in the file Client’s _surname.p12 (Client’s surname is your surname) which you will obtain on a diskette or on a chip card. The access to diskette file is protected by password, the one to chip card by PIN code.
You are a sole holder of the private keys and you are required to protect them against misuse by the third party.
Safety of your private keys rests with protection against misappropriation (copy) of the file “Client’s _surname.p12” or chip card Pin code. Owing to the fact, that it is not possible to make a copy of a chip card, the chip card involves within a higher level of security.
If you suspect any misuse of your private keys, you may block their unauthorized use by suspending validity of the certificates via client’s application on site http://registracia.vub.sk or via Call Centre (Tel.: 0850 123 000, +421 48 414 12 12 from abroad). If you do not know the revocation password, you may block the certificates only personally in the bank.
Should you tick in your electronically signed payment order the option “Send encrypted receipt“, you will receive an encrypted e-mail bearing such receipt.
Some mail programs provide options for reading the encrypted mails (e.g. MS Outlook).
VUB is offering the program “Encrypted mail explorer“ developed specially for reading and verifying the encrypted mails. The program is ready for downloading from this page. Should you have any problems with installation of the “Encrypted mail explorer“, install prior to this the Microsoft Windows Installer.
Utilization Conditions of Internet banking Plus
The Internet banking Plus can be utilized under the operational system Microsoft Windows 98, ME, NT4.0, 2000, XP. Microsoft Internet Explorer 5.01 SP2 and its upgrades are supported.