Muri iyi minsi kwishyura kwinshi gukora mu bucuruzi bikorerwa ku ikoranabuhanga, kuko za sheki ntizikunze kuboneka ndetse n’amafaranga asanzwe akoreshwa mu kugura utuntu duke. Kubera ubu buryo bwa banki bufite umutekano, guhererekanya amafaranga hagati ya za banki bifite umutekano muri rusange kuko ihererekanya ry’amafaranga kuri internet bikorwa neza. Gufata no kwishyurira ku makarita bibamo ibyago, ariko nanone hari ukwigengesera kw’ibanze ugomba kugira kugira ngo ibibazo bitavuka. Hari nanone amabwiriza yemewe agomba kubahirizwa mu bikorwa byemera kwishyurira ku ikarita.
Ibyago bishoboka
- Kwakira ubwishyu
- Kwishyurwa hakoreshejwe ikarita y’uburiganya cyangwa iyibwe.
- Kwishyura hakoreshejwe ikarita iyo bitajyanye n’ibisabwa n’ikigo gishinzwe ibijyanye n’ubuziranenge bw’ubwirinzi bw’amakuru (PCI DSS), bihanirwa n’amategeko.
- Amategeko ahana umuntu udafata uko bikwiye amakuru ari ku ikarita cyangwa akarenza igihe yagenewe.
- Ibihano bigenerwa umukiriya ubeshya ko nta bicuruzwa byamugezeho, ko byaje bituzuye cyangwa ko yakiriye ibyangiritse
- Kwishyura
- Kwishyura abakoresha imbuga z’impimbano kuri internet cyangwa kubera ibicuruzwa cyangwa serivisi zitabaho.
- Kohereza amafaranga kuri konti z’impimbano mu kugura ibicuruzwa cyangwa serivisi zitabaho (Banki ntizishobora kugusubiza amafaranga yibwe muri ubu buryo)
- Email zishukana, gushukwa ugashyira amakuru ajyanye n’imari mu mbuga za baringa zo kuri internet.
- Ubutekamutwe bukoresha kuguhamagara kuri telefoni bukorwa iyo ugize amakuru utangira kuri telefoni.
- Izi ni ingero ebyiri z’ubushukanyi bwo kuri internet.
Kwishyura ufite umutekano
- Kwakira ubwishyu
- Genzura niba ubucuruzi bukorerwa ku mbuga za internet bufite ubwirinzi ku by’umutekano n’amahoro y’umutima w’abakiriya (Reba imbuga zizewe ahakurikira).
- Niba ugiye kwishyura ukoreshe ikarita, genzura niba ubucuruzi bwawe bwujuje ibisabwa n’ikigo gishinzwe ibijyanye no kwishyura hakoreshejwe ikarita n’ubuziranenge bw’ubwirinzi bw’amakuru (PCI DSS), aho ibisabwa bigenda bitandukanye bitewe n’urwego rw’umucuruzi n’ikigo gitanga ikarita (Reba ibisabwa ahakurikira).
- Iyo wohereza ibicuruzwa, koresha ibimenyetso biranga kohereza (POD) mu buryo bwo kwirinda abatekamutwe.
- Bitewe n’ubwoko bw’ubucuruzi n’ingano y’ubwishyu bwoherezwa, hitamo kwishyura ukoreshe internet cyangwa telefoni kuko byongera urwego rw’ubwirinzi.
- Kwishyura
- Igihe wishyuriye kuri internet ku rubuga rwo kugurisha cyangwa ugahita wishyura, genzura niba urubuga rufite ubwirinzi. Hari ikimenyetso cy’ingufuri muri browser, igaragara igihe ugerageje gufungura cyangwa kwiyandikisha. Reba neza ko iyo ngufuri itari ku rupapuro nyiri izina…bishobora kuba ari urw’abajura. Urubuga rugomba kuba rutangizwa na ‘https://’. Inyuguti ‘s’ igaragaramo ihagarariye ijambo ry’Icyongereza ‘secure’ risobanura ko urubuga rwizewe. Ibuka ariko ko ibi byerekana gusa ko inzira iri hagati yawe na nyiri urubuga ifite ubwirinzi ariko bitavuze ko urubuga ubwarwo ari urw’ukuri. Ukeneye gukora ibi mu kugenzura witonze aderesi cyangwa amagambo niba atanditse nabi, amagambo yiyongeraho, ibimenyetso n’ibindi bidasanzwe.
- Koresha amagambo y’ibanga akomeye maze ugenzure ko ari ibanga ku bantu yohererejwe.
- Shyiraho amategeko akomeye y’imikoreshereze ku bakozi bafite ibigo byishyura bikoreshe ikarita harimo PIN n’ijambo by’ibanga n’andi mabwiriza.
- Ibuka ko gukoresha ikarita yo kwishyuriraho bitanga ubwirinzi kurusha ubw’ikarita yo kuguriraho cyangwa iyo kwishyuriraho ako kanya.
- Sobanurira banki yawe neza niba ibyatakaye byaturutse ku butekamutwe. Soma amategeko n’amabwiriza byabo, niba ushidikanya, baza umuyobozi wa banki.
Umucuruzi agomba kubahiriza ibisabwa n’ikigo gishinzwe ibijyanye no kwishyura hakoreshejwe ikarita n’ubuziranenge bw’ubwirinzi bw’amakuru.
- Amabwiriza agengwa n’urwego rw’ibikorwa rw’umucuruzi.
- Hariho inzego enye, ugendeye ku mubare w’ihererekanywa ry’amafaranga rikorwa hifashishijwe ikarita zo kuguza no kubitsa.
- Igihe kwishyura bigaragazwa n’urwego rw’ikigo, ababishinzwe ni bo babazwa ibijyanye n’igihe cyo kwemeza n’ingano y’ibisabwa abacuruzi.
- Inzego ntizishyirwaho mbere ahubwo zigengwa n’inshuro ikigo kishyura mu gihe cy’umwaka.
- Byabaho cyangwa bitabaye, ingano y’ubwishyu igaragazwa n’ubwishyu bwakorewe ku bucuruzi bwo kuri internet cyangwa ubwishyu bwakorewe mu nzira zitandukanye za buri kigo, ariko bireba ibigo byose.
Ibigenderwaho ku rwego rwa 1
Abacuruzi bagira ibyo bohererezanya inshuro ziri hejuru ya miliyoni 6 ku mwaka, cyangwa abafite amakuru yagize ibibazo byo kwinjirirwa
Ibisabwa ku rwego rwa 1
ubugenzuzi ku mwaka ku bwirinzi bw’urubuga (byavuguruwe na QSA cyangwa Ubugenzuzi bw’umutungo bw’imbere iyo bushyizweho umukono n’umukozi w’ikigo cy’ubucuruzi kandi byemejwe mbere n’uwabisabye) ndetse n’igenzura rikorwa buri gihembwe ku mutekano w’umuyoboro
Ibigenderwaho ku rwego rwa 2
Abacuruzi bahererekanya kuva ku nshuro miriyoni 1 kugera kuri miliyoni 6 ku mwaka
Ibisabwa ku rwego rwa 2
Ibibazo bijyanye no kwikorera ubugenzuzi ku mwaka
Ubugenzuzi bwa buri gihembwe bukorwa n’umuntu wemewe n’amategeko (ASV)
Ibigenderwaho ku rwego rwa 3
Abacuruzi bahererekanya kuva ku nshuro ibihumbi 20 kugera kuri miriyoni 1 kuri buri kirango
Ibisabwa ku rwego rwa 3
Ubugenzuzi bwa buri gihembwe bukorwa n’umuntu wemewe n’amategeko (ASV)
Ibibazo bijyanye no kwikorera ubugenzuzi ku mwaka
Ibigenderwaho ku rwego rwa 4
Abacuruzi bahererekanya kugera ku nshuro ibihumbi 20 ku bucuruzi bukorewe kuri internet cyangwa kugera ku nshuro miriyoni 1 mu gihe atari ubucuruzi bwo kuri internet kuri buri kirango
Ibisabwa ku rwego rwa 4
Ibibazo bijyanye no kwikorera ubugenzuzi ku mwaka. ubugenzuzi bwa buri gihembwe bukorwa n’umuntu wemewe n’amategeko (bakurangiye cyangwa usabwa, bitewe n’ibyo umuguzi yasabye ko byubahirizwa)
Imbuga zifite umutekano
Gushyiraho urubuga rwishyurirwaho bizatuma abakiriya bagira umutekano n’amahoro yo mu mutima. Abantu benshi bagurira cyangwa bishyurira ibicuruzwa kuri internet ubu noneho basobanukirwa n’icyo ikimenyetso cy’akagufuri kivuze kuri browser, kigaragara iyo umuntu agerageje kwinjira cyangwa kwiyandikisha ndetse no kuba aderesi itangizwa na ‘https://’.
Ibi bigaragaza ko ubucuruzi bwawe bufite icyemezo cyatanzwe ku buryo bw’ikoranabuhanga cyatanzwe n’abantu bizewe, nka VeriSign cyangwa Thawte, kigaragaza ko amakuru yahererekanyijwe kuri internet arinzwe hifashishijwe ikoranabuhanga ku buryo nta wayiba cyangwa ngo abe yatakara hakoreshejwe ikoranabuhanga rya SSL (reba ibisobanuro hasi).
Ushobora kubona kandi Icyemezo cy’igihe kirekire (cyangwa EV-SSL), kigaragaza ko ikigo cyatanze icyo cyemezo cyabanje kugukorera ubugenzuzi bwimbitse.
SSL
SSL (Secure Sockets Layer mu magambo arambuye mu Cyongereza) ni ikoranabuhanga ryizewe ry’umutekano by’umwihariko seriveri y’amakuru yo kuri internet (urubuga) na browser, cyangwa ububiko bw’amakuru anyura kuri za email cyangwa abazikoresha nka Microsoft Outlook.
SSL ituma amakuru akomeye nka nimero z’ikarita bakoresha bishyura, iy’ubwishingizi, ndetse n’amakuru akoreshwa mu kwinjira ahererekanywa mu buryo butekanye. Ubusanzwe, amakuru yoherezwa hagati ya za browsers n’ububiko bw’imbuga zo kuri internet ahererekanywa mu nyandiko isanzwe bikaba byatuma hari abayasoma kandi atabagenewe. Iyo uwagabye igitero abashije kugera ku makuru arimo guhererekanywa hagati ya za browsers ndetse n’ububiko bw’amakuru yo ku mbuga zo kuri internet ashobora kuyasoma ndetse no kuyakoresha.