martedì 16 settembre 2008

E-commerce e pagamenti on line


Un paio di settimane fà a una puntata di Matrix si parlava di frodi on line, come prevenirle, come difendersi, c'erano delle testimonianze di persone truffate e degli esperti in studio che dovevano far chiarezza sull'argomento.

Ecco, secondo noi non è stata fatta tanta chiarezza ma è stato fatto passare il messaggio che internet è il luogo meno sicuro della terra, pieno zeppo di farabutti pronti a fregarti appena abbassi le difese o ti distrai un attimo. Questo può anche essere vero, ma per difendersi basta poco.

In particolare si parlava di transazioni on line con carte di credito e degli accorgimenti da avere prima di effettuare un pagamento. Adesso vi elencheremo una serie di precauzioni da prendere per essere certi di stare pagando in assoluta sicurezza.

Prima però vogliamo fare una affermazione che può sembrare un po' di parte visto chi la stà facendo, cioè noi, che lavoriamo sul web con il nostro e-commerce:

"Usare la carta di credito su internet per effettuare un pagamento on line, non è sicuro, è sicurissimo, basta essere un attimino accorti."

E questo non lo diciamo noi, ma lo dicono le statistiche; le percentuali di frodi on-line in un anno sono circa dello 0,04 % su tutte le transazioni effettuate. Si tratta di transazioni effettuate in ambienti non protetti.

Cio' vuol dire che è molto più probabile che ci vengano copiati i dati della carta pagando da un benzinaio, in un albergo, in un ristorante....

I server delle banche che ospitano i servizi di pagamento on line con un pos virtuale, hanno dei livelli di sicurezza altissimi, garantiti dal protocollo "Secur Sockets layer", lo standard mondiale più elevato in materia di protezione dei dati. Tutta la transazione avviene in maniera protetta e i dati che immettete nel pannello di pagamento vengono trasferiti alla banca, nel nostro caso la Banca Antonveneta, crittografati con degli algoritmi sofisticatissimi.

In pratica, è impossibile che i vostri dati vengano intercettati da qualche maleintenzionato, sempre che vi stiate trovando in un ambiente protetto.

Per i pagamenti sul nostro sito, noi ci siamo affidati al server esterno di Banca Antonveneta, cioè non pagarete il vostro ordine sul nostro sito, ma effettuerete la transazione direttamente sul sito della Banca, a cui venite trasferiti dopo aver completato l'ordine.

Ma ritornando alle accortezze da prendere prima di effettuare un pagamento, ecco cosa tenere d'occhio e cosa non fare mai:

1) l'indirizzo della pagina in cui state facendo il pagamento deve sempre cominciare con https, ci deve essere la "s" che sta per pagina sicura. Es. https://www/ ....

Se l'indirizzo della pagina comincia con http://www/ senza la "s" dopo la p, vuol dire che la pagina non è protetta, ma è una pagina web standard, quindi non immettete i dati della carta.

Inoltre noterete in alto a destra della pagina o in basso a sinistra un lucchettino giallo, che stà a indicare che la pagina è protetta.

2) Non rispondente o collegatevi ad un sito attraverso un e-mail che vi richiede di verificare i dati della vostra carta, che vi informa che vi è stato bloccato il conto e che và sbloccato..etc...etc.. Nessuna banca vi richiede i dati sensibili del vostro conto attraverso una e-mail. Questa mail può sembrare provenire da un istituto bancario o dalle poste italiane ma non è così... Quando la e-mail comincia con "Gentile cliente..." c'è dietro la fregatura. Inoltre sono sempre scritte in un italiano sgrammaticato, in quanto generalmente sono spedite dall'est Europa.

3) Non ricaricate mai la Postepay di uno sconosciuto, magari acquistando su Ebay, in quanto la transazione non è facilmente riscontrabile. Il nostro servizio di pagamento on line include tra le carte utilizzabili anche la Postepay, ma il pagamento viene effettuata direttamente alla banca.

Questi sono i principali accorgimenti da usare per stare sicuri ed usufruire di un servizio che, se usato nel modo corretto è molto pratico. Per qualsiasi domanda siamo qui.

Berny

(Foto di girinorfano)

42 commenti:

Viviana ha detto...

assolutamente d'accordo!!! ho comprato spesso su internet.. e la mia carta di credito è stata clonata solo una volta... ovvero dal mio benzinaio di fiducia! gli erano entrati i ladri e avevano manomesso il lettore! e vabbè!
un bacio

La Boutique del Gusto ha detto...

Ciao Viviana, grazie per la tua testimonianza.., mi dispiace per te e il benzinaio..., peccato che non possiamo fare benzina su internet :DD

Berny

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un post piu' interessante dopo l'altro....grazie, per me che sono ancora un minimo diffidente sono molto utili!

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