網路銀行

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網路銀行 (或稱 線上銀行、電子銀行) 常用轉帳或付費功能上的銀行服務。透過銀行的網路安全機制，讓客戶可以在銀行以外的地方使用金融服務。

大部分式透過網路瀏覽器，無須使用其他的軟硬體。然而，許多銀行皆使用IE only的設計，使得非Windows的用戶得到不少的限制。

[编辑] 特色

網路銀行有下面幾個特點:

帳戶資料查詢，可以透過一些軟體匯入，如Quicken或Microsoft Money。
電子帳單付費
轉帳功能
股票買賣
貸款申請
帳戶整合功能

網路銀行有成長的趨勢。因為網路銀行不但可以讓銀行省下不少人力成本，也可以提供更高的存款年息率。

[编辑] 安全機制

讀卡機

Protection through single password authentication, as is the case in most secure Internet shopping sites, is not considered secure enough for personal online banking applications in some countries. Online banking user interfaces are secure sites (generally employing the https protocol) and traffic of all information - including the password - is encrypted, making it next to impossible for a third party to obtain or modify information after it is sent. However, encryption alone does not rule out the possibility of hackers gaining access to vulnerable home PCs and intercepting the password as it is typed in (keylogging). There is also the danger of password cracking and physical theft of passwords written down by careless users.

Many online banking services therefore impose a second layer of security. Strategies vary, but a common method is the use of transaction numbers, or TANs, which are essentially single use passwords. Another strategy is the use of two passwords, only random parts of which are entered at the start of every online banking session. This is however slightly less secure than the TAN alternative and more inconvenient for the user. A third option, used in many European countries and currently being trialled in the UK is providing customers with security token devices capable of generating single use passwords unique to the customer's token (this is called two-factor authentication or 2FA). Another option is using digital certificates, which digitally sign or authenticate the transactions, by linking them to the physical device (e.g. computer, mobile phone, etc). While most online banking in the United States still uses single password protection, the FDIC has issued regulations requiring that banks implement more secure authentication mechanisms by the end of the year 2006.

Banks in many European countries (including the Scandinavian countries, the Netherlands, Austria and Belgium) are offering online banking for e-commerce payments directly from customer to merchants. For instance, see iDEAL.

[编辑] 詐騙

主条目：網路詐騙

有些人非常的排斥網路銀行，因為他們覺得很容易受騙。銀行提供的安全機制並非百分之百的安全，但是實際上因為使用網路銀行受騙的例子卻非常的少。事實上，騙子在傳統銀行實際上比網路銀行的還要多。離線的信用卡盜用、偽造簽名和身份盜用的罪犯遠超過惡毒的駭客。銀行的交易是可以查詢的，而且銀行詐騙案的懲處非常的高。網路銀行可能因為使用者的不小心、受騙、和對電腦的不了解而更不安全。網路釣魚的犯罪有增加的趨勢，使用者可能因為某些原因而不小心把密碼洩漏給詐騙者。