Sberbank uses 3D Secure technology to ensure the security of all financial transactions with electronic money. The main scope of its application is cashless payments when paying for goods through online stores. 3D Secure uses multi-layer encryption, one-time passwords, and to make a payment, you need not one, but two devices. This is not only a bank card, but also a mobile phone that is tied to it. Let's consider this technology in more detail.
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3D Secure from Sberbank - what is it?
Sberbank uses comprehensive measures to improve security. When performing any financial transaction, you must enter as much data from the card as possible. Moreover, those that are specified in the contract for its receipt are also introduced. This is the period of its validity, the name and surname of the holder.
One-time passwords, as 3D Secure payment protection technology, are mainly used in Sberbank Online and Mobile Banking. If the latter is connected, then it is advisable to receive a one-time password by phone. If it is disabled (for example, pensioners disable it as unnecessary), then a list of one-time passwords can be obtained from an ATM.
Since Sberbank uses 3D Secure for electronic payments, the developers have taken care of ease of use. At one time, the ATM issues about 20 one-time passwords in a check. This check must be kept in a safe place. It should not be stored next to the card, as this reduces the level of security. Each time, when requesting a one-time password from a check, you must enter exactly the password, the serial number of which is indicated in the electronic entry form.
Authorization in the Personal Account with the right to manage accounts will occur only after the one-time password matches. This is a very good defense. The system does not protect 100% against losing money. No bank in the world gives such a guarantee, but this allows you to weed out almost all Internet scammers. It should be borne in mind that careful storage of a card and phone, strong passwords, use of ATMs only in a bank branch are all effective additional security measures. You need to use Sberbank's 3D Secure technology correctly. Failure to comply with some of the nuances leads to problems and the impossibility of making a payment.
Certain problems and delays in obtaining a one-time password via SMS occur when traveling abroad. Not everyone is comfortable keeping their phone on all the time. The phone can be discharged, which is also a problem when you need to make a quick payment.
A paper list of one-time passwords is sometimes more convenient than a phone. It can be accidentally lost, but attackers will be able to use it only if they have a card or its duplicate along with the list (the so-called card cloning). Such a situation is highly unlikely.
How to connect 3D Secure
3D Secure, at the moment, is the most reliable protection. Knowing this, many plastic card holders are wondering how to connect 3D Secure from Sberbank. At the moment, this service is included in the standard package and when issuing a card . This service is activated not upon receipt of the card, but upon making the first payment. When making a purchase in the online store, a request to connect it pops up automatically.
If this has not been done, then at any time the service can be activated in the following ways:
- apply in person to the nearest branch of Sberbank;
- connect in your personal account Sberbank Online .
Connecting 3D Secure via Sberbank Online
3D Secure works in Sberbank Online, therefore, having opened the available cards, it is enough to select the “Connect 3D Secure” option.
Sberbank offers it to all its customers for free, despite the fact that this technology requires quite powerful technical equipment. If you need to make a purchase where there is no 3D Secure support, then you can use any reliable exchanger with a low commission. In addition, you can opt out of the calculation and make a regular bank transfer. Sberbank is the largest bank in Russia, so almost all online stores work with it.
Another way to pay for purchases in an online store that does not support 3D Secure is to temporarily disable the service. This is done through Sberbank Online in manual mode in the Personal Account. Once logged in, follow the instructions on the screen.
The principle of operation of the 3D Secure system
The 3D Secure technology itself was developed by the global SWIFT system and is used in VISA. Hardware equipment is the usual servers on providers and all the equipment of the cellular network. General security is achieved by storing card user data on secure bank servers. Integration with cellular networks is used to quickly block the card in case it is lost or stolen. In addition, the data is repeatedly duplicated.
Banking servers are protected by multi-level firewalls with deep packet filtering. When accessing them, their preliminary identification is carried out using cloud data. In other words, not every computer and not every person can access data on a bank server. Sberbank's 3D Secure screens out intruders very effectively.
Automatic attack detection is also a significant component of the overall protective scheme. It is carried out by a statistical method, for example, if the data from the card is requested from an unusual computer or the client's phone behaves incorrectly.
Cellular operators also pay great attention to the security of their data. Through their networks, not only almost all confidential negotiations pass, but also the exchange of banking data, especially in the field of micropayments.