Dad aad u tiro yar ayaa ka fikira habka badbaadada leh ee wax-is-dhaafsiga maaliyadeed marka ay internetka ku jiraan. Qaarkood waxay ku xidhaan WiFi -ga dadweynaha waxayna ka iibsadaan alaab Amazon ama waxay sameeyaan bangiyada internetka. Dabeecadda noocaan ah waxay kuu soo bandhigaysaa khataro badan waxayna u sahlaysaa kuwa kale inay xadaan xogtaada maaliyadeed sida faahfaahinta kaadhka deynta oo ay u isticmaalaan inay ku dhibaateeyaan. Taasi waa sababta aan u go'aansanay inaan qorno hagahan kaas oo aan ku tusi doono hababka ugu wanaagsan ee samaynta macaamil maaliyadeed oo badbaado leh marka online la isticmaalo, labadaba kombuyuutarrada desktop-ka iyo aaladaha mobilada sida casriga iyo tablet-yada. Aan bilowno:

Sida loo sameeyo macaamil maaliyadeed kombuyuutar ku xiran shabakad la aamini karo

Haddii aad ku xiran tahay shabakad la aamini karo sida mid ka timid gurigaaga ama goobtaada shaqada, markaa uma baahnid wax kale marka laga reebo in lagu rakibay xal adag oo ammaan ah oo shaqeynaya mar kasta, kaas oo sidoo kale kormeeraya galka shabakadaada. Ha ka waaban inaad akhrido Nabadgelyadayada taxanaha qof kasta, halkaas oo aan dib u eegis ku samayno alaabtii antivirus ee ugu dambeysay ee Windows iyo aaladaha Android . Alaabooyinka antivirus -ka ugu sarreeya sida ^(Top-notch)Bitdefender , Kaspersky ama ESET waxay leeyihiin daalacashada badbaadada ama bangiyada iyo modules ilaalinta lacag-bixinta oo ay tahay inaad u isticmaasho wax kala iibsiga noocan oo kale ah.

Waxay u ekaan karaan dhib marka hore laakiin kama qoomamayn doontid isticmaalkooda. Iyada oo la kaashanayo sifooyinka amniga ee noocaas ah, waxaad hubtaa in macaamilkaaga aysan faragelin keyloggers ama qolo saddexaad oo uriyaan taraafikada shabakadaada.

Sida loola macaamilo kombuyuutar ku xiran shabakad dadweyne

Shakhsi ahaan, waan iska ilaaliyaa samaynta nooc kasta oo macaamil maaliyadeed ah marka lagu xiro shabakad dadweyne. Wi-Fi-ga bilaashka ah wuxuu la macno noqon karaa in qof u dhow yahay, oo urinaya taraafikada maraya shabakaddaas oo waxaad sidoo kale noqon kartaa dhibane weerarrada dhex-dhexaadka ah. Haddii ay tahay inaad sameyso macaamil maaliyadeed markaad ku xiran tahay shabakadaha wireless, fiiro gaar ah u yeelo digniinaha uu bixiyo browserka ama qolkaaga amniga. Casri ah^(Modern)Browser-yada desktop-ka ayaa awood u leh inay ogaadaan marka qof isku dayo inuu ku beddelo shahaadooyinka amniga kuwa been abuur ah oo isku dayo inuu noqdo dhexdhexaadiyaha u dhexeeya kumbuyuutarkaaga iyo mareegaha aad booqato. Haddii barowsarkaaga uu sheego in shahaadooyinka qaarkood ay khaldan yihiin ama qaybta amnigaadu ay ka warbixiso wax kasta oo shaki leh, jooji oo ka saar shabakadaas isla markaaba. Waxa kale oo wanaagsan in la beddelo furaha sirta ah ee adeegyada aad ka gashay shabakaddaas isla marka aad ku xidhato shabakad aad la aamini karo.

Fikrad aad u fiican ayaa ah in lagu xidho adeeg VPN la aamini karo oo sir siinaya taraafikada shabakadaada, si aanay si fudud u dhexgalin cid saddexaad. Xitaa haddii la soo dhex galo, taraafikadaadu waa qarsoodi wayna adagtahay in la furfuro oo macno laga sameeyo. Qaar ka mid ah alaabada amniga sida Kaspersky iyo F-Secure waxaa ka mid ah adeegyada VPN ee suulyadooda ^(VPN)Amniga^(Security) Guud .

Talo kale ayaa ah in la isticmaalo sifada ay ku jiraan suites ammaanka casriga ah kuwaaso ku socodsiin kara browser kaaga sanduuq badbaado leh oo ka go'doonsan nidaamka intiisa kale oo adkaynaya in la dhexgalo waxa aad samaynayso. Qaar ka mid ah alaabada amniga ayaa sidoo kale sir ah taraafikada dhex mara sanduuqa badbaadada, iyagoo isticmaalaya adeegyadooda VPN .

Dad badan ayaa sidoo kale adeegsada modem-ka USB-ga^(USB) ee internet -ka gacanta si ay ugu xirmaan marka ay waddada ku jiraan. Isticmaalka isku xirka noocan oo kale ah ayaa aad uga ammaan badan isticmaalka Wi-Fi-ga^(Wi-Fi) bilaashka ah ee aanad waxba ka garanayn. Haddii aad kala dooran karto labada, had iyo jeer samee macaamil maaliyadeed adiga oo isticmaalaya modem USB adiga kuu gaar ah .

Sida loo sameeyo macaamil maaliyadeed kombuyuutar dadweyne

Wax kala iibsiga ka samaynta kombayutarka dad waynaha hubaal maaha^(NOT) in lagu taliyay. Kumbuyuutarrada dadweynaha waxaa isticmaala dad badan oo ku rakibi kara keyloggers iyo noocyada kale ee malware oo aanad waxba ka garanayn. Sidoo kale, waxaa laga yaabaa inaan lagu sugin alaab ka hortag casri ah sida kuwa aan si joogto ah dib ugu eegno Citizen Digital^{(Digital Citizen)} . Haddii runtii ay tahay inaad isticmaasho kombuyuutar dadweyne si aad u sameyso macaamil maaliyadeed, waxaan kugula talineynaa kuwa soo socda:

• Isticmaal iskaanka ka-hortagga khadka tooska ah ee bilaashka ah, sida kuwa aan halkan ku eegnay^{(reviewed here)} , si aad uga baarto malware. Haddii hanjabaado la ogaado, ha u isticmaalin kombayutarkaas macaamil maaliyadeed nooc kasta ha ahaadee.
• Haddii ay jirto alaab ammaan ah oo lagu rakibay, laba jeer hubi inay firfircoon tahay ama laftaada billow haddii loo baahdo.
• Haddii daalacashada shabakado badan oo casri ah la rakibo, dhex mar shabakada adoo isticmaalaya sifooyinkooda wax baadhista ee gaarka ah. Akhri tilmaan-bixiyahan si aad u barato sida loo sameeyo: Sida Loo baadho Shabakadda Qarsoon ee Dhammaan Browserrada Intarneedka Waaweyn^{(How To Browse The Web Incognito In All Major Internet Browsers)} . Hababka baarista ee noocan oo kale ah waxay dammaanad qaadayaan inaan wax taariikh ah la kaydin, isla marka aad xidhid browserka, dhammaan cookies-yada iyo fadhiyada firfircooni way baxeen. Dadka kale ma awoodi doonaan inay dib uga bilaabaan meeshii aad ka tagtay.
• U^(Pay) fiirso dhammaan digniinta aad ka helayso biraawsarkaaga mareegahaaga ama alaabta amniga ee lagu rakibay kombayutarka dadweynaha. Haddii browserkaagu uu sheego in shahaadooyinka qaarkood ay khaldan yihiin ama qolkaaga ammaanku uu ka sheego wax shaki leh, jooji isticmaalka kombiyuutarkaas.
• Ha u ogolaan browser-yada shabakada ee aad isticmaalayso xasuuso ereyada sirta ah ee aad ku qorto.
• Had iyo jeer ka bax dhammaan mareegaha aad soo gashay, ka hor inta aanad xidhin.

Sida loo sameeyo dhaqdhaqaaqa maaliyadeed ee casriga ah ama tablet-ka

Haddii aad u baahan tahay inaad internetka ka samayso bangiyada casriga ah ama tablet-ka, isku day inaadan isticmaalin browserka mobaylka ee jira. Daalacashada moobiilku maaha kuwo ka soo baxay dhinaca amniga sida daalacashada desktop-ka. Bedelkeeda, ku rakib codsiga bangigaaga ama codsiga moobilka ee uu bixiyo dukaanka aad isticmaalayso. Codsiyada noocaan oo kale ah guud ahaan waxay leeyihiin sireeysi wanaagsan waana ka badbaadsan yihiin in lagu isticmaalo terminaalka mobilada.

Goobaha mobaylada ee leh suulada ammaanka ee la heli karo - had iyo jeer isticmaal. Tixgeli inaad ku rakibto ugu yaraan xal ammaan oo bilaash ah oo la aamini karo, haddii aadan awoodin inaad iska bixiso mid ganacsi oo leh astaamo ammaan oo dheeraad ah. Ha ka waaban inaad akhrido Nabadgelyadayada taxanaha qof kasta, halkaas oo aan dib u eegis ku samayno alaabtii antivirus ee ugu dambeysay ee Windows iyo aaladaha Android .

Haddii aad ku xidhan tahay shabkada fiilo-wareenka ee dadweynaha, waxa aad u nugushahay weerarrada dhex-dhexaadka ah iyo shabkada oo dhuuqo. Fikrad aad u fiican ayaa ah in lagu xidho adeeg VPN la aamini karo oo sir siinaya taraafikada shabakadaada, si aanay si fudud u dhexgalin cid saddexaad. Xitaa haddii la soo dhex galo, taraafikadaadu waa qarsoodi wayna adagtahay in la furfuro oo macno laga sameeyo.

Maskaxda ku hay in ay aad uga badbaado badan tahay in Wi-Fi-ga^(Wi-Fi) laga damiyo casrigaaga ama tablet-kaaga oo aad isticmaasho xidhiidhka gacanta ee adeeg bixiyahaaga moobaylka. Xidhiidhada noocan oo kale ah waxay u muuqdaan inay noqdaan kuwo ammaan ah oo adag in la uririyo.

U fiirso isticmaalkaaga sirta ah

Meel kasta oo aad ka samayso macaamil maaliyadeed, jooji isticmaalka sirta isku midka ah ee koontadaada iimaylkaaga iyo xisaabaadka boggaga internetka ee aad ku sameyso macaamil maaliyadeed nooc kasta ah. Haysashada sirta isku midka ah ee koontadaada e-mailka iyo Amazon ama koontadaada PayPal waa baylah weyn.

Ka fakar dhammaan meelaha aad ku sameyso dhaq-dhaqaaq lacageed oo hubi in akoon kasta aad leedahay sir adag oo gaar ah. Waxaad la yaabi doontaa inaad aragto meelo badan oo lagu kaydinayo macluumaadka kaadhka deynta. Halkan waxaa ah dhowr, si aad u bilowdo fikirkaaga: Amazon , PayPal , Steam , Google Play Store , App Store , ka Windows Store , PlayStation Network , GOG , eBay, diyaaradaha aad duuliso, Booking.com , the Wakaaladaha safarka oo aad la ballansan tahay fasaxyadaada iyo wixii la mid ah. Waxaan aad kuugula talineynaa inaad akhrido maqaalkan isticmaalka erayga sirta ah:Badbaadada erayga sirta ah - U beddel caadooyinkaaga caajiska ah ee caadooyinka Geek^{(Password Security - Turn Your Dumb Habits Into Geek Habits)} .

Gabagabo

Waxaan rajeyneynaa in aad faa'iido u heshay maqaalkan. Haddii aad hayso talooyin iyo talooyin kale oo aad jeclaan lahayd inaad la wadaagto, ha ka waaban inaad la wadaagto iyaga oo isticmaalaya foomka faallooyinka ee hoose.

How to make safe banking and financial transactions when online

Very few people thіnk аbout the safe way of making finаncial transactions when online. Some connect to public WiFi and рurchase іtems on Amazon or do online banking. Such behavior exposes you to many risks and it makes it easy for others to steal your finаncial data like your crеdit card details and uѕe it to harm you. That's why we decided to write this guide in which we will show you the best practiceѕ for making safe financial transactions when online, both on desktop computers and mobile devices like smartphones and tablets. Let's get started:

How to perform financial transactions from a computer connected to a trusted network

If you are connected to a trusted network such as the one from your home or from your workplace, then you don't need anything else except having a solid security solution installed and active at all times, that also monitors your web browsing. Don't hesitate to read our Security for everyone series, where we review the latest antivirus products for Windows and Android devices. Top-notch antivirus products like Bitdefender, Kaspersky or ESET have safe browsers or banking and payment protection modules that you should use for this kind of transactions.

They might seem like a hassle at first but you won't regret using them. With the help of such security features, you are sure that your transactions are not intercepted by keyloggers or third parties that sniff your network traffic.

How to perform transactions from a computer connected to a public network

Personally, I avoid making any kind of financial transactions when connected to a public network. Free Wi-Fi can mean that someone is nearby, sniffing the traffic going through that network and you can also be the victim of man-in-the-middle attacks. If you must make financial transactions when connected to public wireless networks, pay special attention to the warnings given by the browser or your security suite. Modern desktop browsers are able to detect when someone tries to replace security certificates with fake ones and try to be the middleman between your computer and the websites that you visit. If your browser says certain certificates are invalid or your security suite reports anything suspicious, stop and disconnect from that network immediately. It is also good to change the passwords for the services you accessed via that network as soon as you get connected to a more trusted network.

A great idea is to connect to a trusted VPN service that encrypts your network traffic, so that it is not easily intercepted by third parties. And even if it is intercepted, your traffic is encrypted and difficult to decrypt and make sense of it. Some security products like Kaspersky and F-Secure include VPN services in their Total Security suites.

Another recommendation is to use the features that are included in modern security suites which can run your browser in a safe box that's isolated from the rest of the operating system and make it harder to intercept what you you are doing. Some security products also encrypt the traffic that goes through that safebox, using their own VPN services.

Many people also use a mobile internet USB modem to connect when they are on the road. Using such connections is much safer than using random free Wi-Fi you know nothing about. If you can choose between the two, always make financial transactions using your own USB modem.

How to perform financial transactions from a public computer

Making transactions from a public computer is definitely NOT recommended. Public computers are used by many people who can install keyloggers and other forms of malware that you know nothing about. Also, they might not be secured with a modern antivirus product like the ones we review regularly on Digital Citizen. If you really must use a public computer to make financial transactions, we recommend the following:

• Use a free online antivirus scanner, like the ones we reviewed here, to scan it for malware. If threats are detected, don't use that computer for financial transactions of any kind.
• If there is a security product installed on it, double check that it is active or start it up yourself if needed.
• If more modern web browsers are installed, navigate the web using their private browsing features. Read this guide to learn how it's done: How To Browse The Web Incognito In All Major Internet Browsers. Such browsing modes guarantee that no history is stored and, as soon as you close the browser, all the cookies and the active sessions are gone. Other people won't be able to resume from where you left off.
• Pay attention to all the warning that you get from your web browser or the security product that it is installed on that public computer. If your browser says certain certificates are invalid or your security suite reports anything suspicious, stop using that computer.
• Do not allow the web browsers you are using remember the passwords that you type.
• Always log out from all websites you have logged in, prior to closing them.

How to perform financial transactions from a smartphone or tablet

If you need to do online banking from a smartphone or tablet, try not to use the mobile browser available. Mobile browsers are not as evolved from a security perspective as desktop browsers. Instead, install the banking application provided by your bank or the mobile application provided by the store that you are using. Such applications generally have good encryption and are safer to use on mobile terminals.

For the mobile platforms that have security suites available - always use them. Consider installing at least a trusted free security solution, if you can't afford a commercial one with more security features. Don't hesitate to read our Security for everyone series, where we review the latest antivirus products for Windows and Android devices.

If you are connected to a public wireless network, you are vulnerable to man-in-the-middle attacks and network sniffing. A great idea is to connect to a trusted VPN service that encrypts your network traffic, so that it is not easily intercepted by third parties. And even if it is intercepted, your traffic is encrypted and difficult to decrypt and make sense of it.

Keep in mind that it is much safer to turn off the Wi-Fi on your smartphone or tablet and use your cellular connection with your mobile provider. Such connections tend to be safer and harder to sniff.

Pay attention to your passwords use

No matter where you make financial transactions from, stop using the same password for your e-mail account(s) and the accounts on websites where you perform financial transactions of any kind. Having the same password for your e-mail account and for your Amazon or PayPal account is a huge vulnerability.

Think of all the places where you make financial transactions and make sure that for each account you have a unique strong password. You will be surprised to see so many places are storing your credit card information. Here are just a few, to get you started with your thinking: Amazon, PayPal, Steam, Google Play Store, the App Store, the Windows Store, the PlayStation Network, GOG, eBay, the airlines you fly, Booking.com, the travel agencies with whom you book your vacations and so on. We highly recommend that you read this article on password use: Password Security - Turn Your Dumb Habits Into Geek Habits.

Conclusion

We hope that you found this article useful. If you have other tips and recommendations you would like to share, don't hesitate to share them using the comments form below.

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