USER-FAQ
(2FA) FRAUD MANAGEMENT SOLUTION
Q. Security Tips?
Tips for
secure Internet Banking usage – Be safe and secure
Bank of
When you cross the street, you look both ways so make sure it’s safe.
Staying safe on the Internet is similar. It takes some common sense steps -- Stop. Think. Connect.
Stop: Before you
use the Internet, take time to understand the risks and learn how to spot
potential problems.
Think: Take a
moment to be certain the path ahead is clear. Watch for warning signs and
consider how your actions online could impact your safety, or your family’s.
Connect: Enjoy the
Internet with greater confidence, knowing you’ve taken the right steps to
safeguard yourself and your computer.
STOP. THINK. CONNECT. Protect yourself and help keep the web a safer
place for everyone.
Tip: Connect with Care.
Advice:
- When in doubt, throw
it out: Links in email, tweets, posts, and
online advertising are often the way cybercriminals compromise your
computer. If it looks suspicious, even if you know the source, it's best
to delete or if appropriate, mark as junk email.
- Get savvy about Wi-Fi
hotspots: Limit the type of business you conduct and
adjust the security settings on your device to limit who can access your
machine.
- Protect your money `: When
banking and shopping, check to be sure the sites is security enabled. Look
for web addresses with "https://" or "shttp://", which means the site takes extra measures to
help secure your information. "Http://" is not secure.
- REMEMBER
THAT THE URL address on the address bar of your internet browser begins
with "https"; the letter 's' at the end
of "https" means 'secure'.
- REMEBER
THAT the address of the first page of Bank of Baroda’s Internet Banking
portal “Baroda Connect” in the address bar must be:
https://www.bobibanking.com/ ONLY. s in https indicates
“SECURE”
Address Bar
- Look
for the padlock symbol either in the address bar or the status bar (mostly
in the address bar) but not within the web page display area. VERIFY the
security certificate by clicking on the padlock.
- ALWAYS
use Internet Explorer 5.5 or higher. Our site is compatible with Internet
Explorer 5.5 or higher only, as of now
- Bank
of Baroda will NEVER send you an E-mail with an embedded hyper-link (A
hyperlink is a piece of text or an image in a document or web-page where
if you click on with your mouse button you are taken to another document /
web-page or another part of the same document / web-page)
- Bank
of Baroda will NEVER call you to authenticate your credentials – User ID,
Password, Tracker ID, One Time Password (OTP), Debit Card Number, Debit
Card PIN etc.
- DO
NOT click with your mouse on a hyper-link that you may receive through an
E-mail or other communication
- ALWAYS
type the address of our web-site (https://www.bobibanking.com) using your
computer’s / laptop’s keypad.
- We
RECOMMEND using the VIRTUAL KEYBOARD when entering your credentials, that
is when entering your User ID and Password
Tip: Protect Your Personal Information.
Advice:
- Secure your
accounts: Ask for protection beyond passwords. Many
account providers now offer additional ways for you verify who you are
before you conduct business on that site. Bank of Baroda has introduced
two factor authentication for secure log-in and for
high risk transactions like funds transfers to third party account within
the Bank and outside the Bank.
- Bank of
- Make passwords long
and strong: Combine capital and lowercase letters
with numbers and symbols to create a more secure password.
- Unique account,
unique password: Separate passwords for every account
helps to thwart cybercriminals.
- Own your online
presence: When available, set the privacy and
security settings on websites to your comfort level for information
sharing. It's ok to limit who you share information with.
- Change
your Internet Banking password at periodical intervals.
- NEVER
share or disclose your User ID or Password or Tracker ID or One Time
Password (OTP) even if you either receive a call over your telephone or
mobile and the caller claims to be calling from the Bank or even if you
receive an E-mail that appears to be from the Bank even with our Bank’s
logo etc.
Tip: Keep a Clean Machine.
Advice:
- Keep security
software current: Having the latest security
software, web browser, and operating system are the best defenses against
viruses, malware, and other online threats.
- Automate software
updates: Many software programs will
automatically connect and update to defend against known risks. Turn on
automatic updates if that's an available option.
- Protect all devices
that connect to the Internet: Along with computers, smart
phones, gaming systems, and other web-enabled devices also need protection
from viruses and malware.
- Plug &
scan: "USBs" and
other external devices can be infected by viruses and malware. Use your
security software to scan them.
- ALWAYS
keep your computer’s OPERATING SYSTEM (Windows etc.) and the browser
(Internet Explorer 5.5 or above) updated with the latest security patches
- ALWAYS
protect your computer with Anti-virus/Anti-spyware software with latest
virus definitions/signatures. Scan your computer regularly with Antivirus
to ensure that the system is Virus/Trojan free.
- Always
check the last log-in date and time in the post login page.
- Avoid accessing Internet banking accounts from cyber cafes or
shared PCs.
Q. What is
“Fraud Management Solution”?
Ans. Fraud Management Solution (FMS) is an enhanced
security solution which helps reduce chances of phishing attack on customer by
providing additional layer of authentication.
Q. What are
the key features of “Fraud Management
Solution”?
Ans. It enables additional security
to make Internet banking more safe and secure. User has to first register for
the new system. System will automatically prompt for one time registration.
Once you are registered, you can perform the
following tasks.
·
You
can re-generate login password on your own.
·
Unlock
the account, without approaching the branch, in case you forget your password
or your account is locked(Because of 5 times wrong attempts)
Login to the site is now a -2- step process, in
the first step, you enter only the Login ID. In the
second step, a screen is presented with a personal message (PAM) which prompts
you to enter your password.
Further, in case you (or somebody using your ID)
attempts to login from a different machine, system may prompt for additional
questions (QnA) / One time password (OTP)
Q. what is
PAM?
Ans. When you enroll for enhanced security of
“Fraud Management Solution” system will ask you to create a “Personal Message”
(PAM). Once the PAM is registered the same will be displayed in your login page
well before you enter your sign-on password. It is an added security feature
that reassures that (a) You are giving your sign on password to the Bank’s
portal only (b) No person has fiddled with your account.
Q. What is QnA and OTP?
Ans. In addition to login
password and transaction password, there is one more security layer to identify
the genuine user. These are called
QnA – Question and Answer
OTP
– One time Password
QnA – Question and Answer
At the time of enrollment you have to pick
minimum 5 questions and key in your answers. Subsequently, whenever the system
feels the risk or doubt (at the time of log in or doing transaction) in the
user’s identity, system will prompt you the questions (number of questions may
vary depending upon the level of risk) selected by you at the time of
enrollment. You have to key in the answer registered by you at the time of
enrollment. (Answers need not be true
answers; however you should remember the answers so registered).
OTP – One time Password
Whenever the system feels the risk or doubt (at
the time of log in or performing transaction) in the user’s identity, system
will prompt you to enter your mobile number. If the mobile number entered by
you is registered with us, the system will send a “One time Password” (OTP) to
your mobile via SMS. You have to key in the OTP correctly to proceed further.
One Time Password – means password send will be used once only, you need not
remember the same. Each time system sends password, it will be for one time use
only.
Q. How can
I enroll for “Fraud Management Solution”?
Ans. You will find the button “enroll now” after
login at your internet banking page. During the enrollment, system will prompt
you to enter your details like PAM, QnA as mentioned
above.
Q. PAM
(personal Message) not getting displayed.
Ans. Check the correctness of URL i.e https://bobibanking.com,
You may close the browser and open it again. Type the URL and check.
Q. Wrong
PAM is getting displayed.
Ans. Check
the URL: https://bobibanking.com, else
close the browser and use a fresh session. Type the URL and check. Still if you
find that the message is not the same you had registered,
please inform our helpdesk on Toll-Free No. 1800 2222 27/ email us at
barodaconnect@bankofbaroda.com
Q. I am not
getting the same questions, which I have provided during enrollment.
Ans. Contact our help desk.
Q. I have given correct answer to Questions;
still it is giving invalid QnA.
Ans. Check whether you have given spaces before
or after the answer.
Q. I tried QnA and my
Account got locked.
Ans. Check whether you are able to login to
Net-Banking or not. If you are unable to login to Net-Banking, go to main page
and click on Unlock Account and proceed further.
Q. I have forgotten my sign-on password.
Ans. Go to normal Net-Banking
home page. Enter your user Id and proceed. On the password capture page “Forgot
password” link is present. Click on the link and proceed further.
Q. I have forgotten my transaction password.
Ans. You cannot regenerate
“Transaction Password” with forgot link, it is only
for sign-on password. In case of forgotten transaction
password, please contact your base branch with identification proof for
regeneration of same. It will be dispatched to your base branch by post in
sealed PIN mailer.
Q. I have not registered for “transaction
rights”, I have view rights only. What should I do in case I forget my password?
Ans. Customers with “view rights” will NOT be enabled for “Fraud Management
Solution”. Thus they will not get the option of registration under FMS. In case
of you forget the sign-on password, you will have to approach your base branch
with written request and password will be delivered by post from our central
cell.
Q. I tried sign-on password and my account got
locked.
Ans. Check whether you are able to login to
Net-Banking or not. If you are unable to login to Net-Banking, go to main page
and click on Unlock Account and proceed further.
Q. I have entered correct mobile number, still it is giving me invalid mobile number message.
Ans. Enter the mobile number which is registered
with the Bank at the time of account opening. Do not enter ‘0’or country code
before the mobile number. Please provide mobile number only without any prefix
/ suffix.
Q. I have tried mobile number and my account got
locked.
Ans. Check whether you are able to login to Net-Banking
or not. If you are unable to login to Net-Banking, go to main page and click on
Unlock Account and proceed further.
Q. I have entered correct OTP,
still screen is showing me invalid OTP.
Ans. Check you have not given any spaces before or
after OTP. Check upper and lower case letters. Check if you have provided
spaces in between the numbers/letters.
Q. I have
tried OTP and my account got locked.
Ans. Check whether you are able to login to
Net-Banking or not. If you are unable to login to Net-Banking, go to main page
and click on Unlock Account and proceed further.
Q. Every
time I login, it is taking me to the QnA page.
Ans. You may be logging from
a different machine. Answer the question
correctly and successfully login to the system.
Q. I have
to change my mobile number.
Ans. Contact your base branch and follow the
procedures. The form may be downloaded
from https://www.bobibanking.com
2FA Will
be available from 23/05/2011.