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رمز یکبار مصرف چیست؟

رمز یکبار مصرف برای حساب های بانکی اجباری می شود.

 

  رمز یک بار مصرف یا OTP - One Time Password یک جایگزین برای رمز دوم می باشد و تکنولوژی OTP جهت  انجام تراکنش های امن بانکی در حوزه Web برای مردم و اصناف کاربرد دارد. بر اساس کارت و یا ابزاری که توسط بانک به مشتری داده می شود، برای انجام هر تراکنشی، یک رمز تولید می شود، که تنها برای یک بار اعتبار دارد. تبریز 118 بزرگترین سامانه مشاغل تبریز در این متن به بررسی این موضوع می‌پردازد.

 امنیت OTP به دلیل استفاده از امکانات استاندارد رمزنگاری ، بسیار بالا است. 

رمزهای  یکبار مصرف معمولا به 3 روش به دست کاربر می‌رسد:

1-از طریق ارسال پیامک به موبایل کاربر:

شماره موبایل کاربر پس از ثبت در سیستم و سنجش اعتبار آن، یکی از راه‌های متداول برای ارسال رمز یکبار مصرف است.

2-تولید و نمایش پرینت تعدادی رمز یکبار مصرف:

می‌توان به تعداد لازم (n)  عدد رمز یکبار مصرف، برای یک دوره زمانی (مثلا یک ماه) تولید کرد تا کاربر آن را یادداشت یا پرینت کند و هر بار یکی از آنها را استفاده نماید.

3-استفاده از یک سخت افزار مستقل از کامپیوتر کاربر و شبکه اینترنت:

این روش که با استفاده از  یک سخت افزار مستقل از کامپیوتر کاربر، که نیازی هم به شبکه و اینترنت ندارد، رمزیکبارمصرف را تولید می نماید. شرکت‌های بزرگ تجاری، مشاغل و اصناف، یک وسیله کوچک و کاملا مستقل برای این امر تهیه و در اختیار مشتریانشان قرار می‌دهند. در ایران  نیز برخی از بانک ها وسیله‌ای به نام «دستگاه رمزیاب» برای تولید رمز یکبارمصرف در اختیار مشتریان قرار می‌دهند.

 در دنیای دیجیتال، خرده‌ای که به رمز یکبار مصرف گرفته می‌شود، دشواری در به‌خاطرسپاری آنها توسط انسان است که به همین دلیل بهره‌گیری از فناوری کمکی، در استفاده از رمز یکبار مصرف، الزامی است.

  جرائم برداشت های غیرمجاز یا سرقت از حساب های بانکی در سه بستر کپی کردن کارت های بانکی، برداشت از طریق کیلاگرها (نرم افزارهایی که کلیدهای فشرده شده بر روی صفحه کلید را ذخیره می کند) و برداشت های فیشینگ( راهی که اطلاعاتی نظیر رمز را از طریق ابزارهای الکترونیکی به سرقت می برند) انجام می‌شوند.  فیشینگ راهی است که تبهکاران، اطلاعاتی نظیر کلمه کاربری، رمز عبور، شماره 16 رقمی عابر بانک، رمز دوم و CVV2 را از طریق ابزارهای الکترونیکی ارتباطات به سرقت می برند. شبکه های اجتماعی، سایت های حراجی و درگاه های پرداخت آنلاین نمونه ای از ابزار های الکترونیکی ارتباطات هستند.

   بر اساس بخشنامه جدید بانک مرکزی که از اول شهریور ابلاغ شده همه بانک‌ها باید ظرف سه ماه استفاده از رمز یکبار مصرف را اجباری کنند این کار در برخی بانک ها انجام می شود اما اطلاع رسانی نشده و مردم آگاهی ندارند.

با توجه به ابلاغیه بانک مرکزی درباره تخصیص رمزدوم یکبار مصرف به مشتریان، از اول آذر، مسئولیت جبران خسارت مالی مردم به عهده بانک و موسسات مالی و اعتباری خواهد بود.

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