Graduation thesis: How to write the security problems and countermeasures of domestic online banking? I hope everyone can help me.
(* * * Three cases, choose one case to write) 1. Please read the following materials first: With the rapid development of Internet technology, the network has entered thousands of households, from online shopping, online payment, online securities trading, to online financial activities such as paying utilities and mobile phone fees, some of which have become indispensable things in our daily life. It is precisely because we are increasingly inseparable from the network that network security has become more and more important. At present, due to the frequent occurrence of network theft cases, the security of online banking has become the focus of attention. Some people use Trojan viruses and "phishing" websites to get users' passwords and personal data. Because it involves the vital interests of every consumer, the security of online banking has always been the focus of media and users. The characteristics of online stealing brush are not only the high amount involved and wide influence, but also the stolen users have handled the digital certificates provided by CCB, which will inevitably lead to more doubts and even panic-online payment is too unsafe! Not even digital certificates! It's just the users who are unlucky after the accident! In July and August, 2006, many online banking accounts were stolen in China, including Industrial and Commercial Bank of China, Agricultural Bank of China, etc. Some victims specially set up the "ICBC Online Banking Collective Victims Alliance". Some media reporters also found that the Internet is full of technologies for handling bank cards, stealing online banking, and even selling bank card equipment. At the "two sessions" in 2007, the security of online banking also attracted the attention of NPC representatives. Zhao Peng, deputy to the National People's Congress and president of Anhui Branch of China Industrial and Commercial Bank, said that if the customer's operation is correct, but the account loss is caused by hacking, the bank should bear the responsibility. Yang, a deputy to the National People's Congress, also believes that if the customer's online theft is caused by improper operation of the customer, the customer should be responsible, and if it is caused by poor management of the bank, the bank should be responsible. Please combine the above materials and write an article in detail: (1) What should people do if they encounter cyber theft? (2) What responsibilities will banks or online payment platforms assume as operating institutions? The number of words is 2000 ~ 3000. 2. Please read the following materials first: the amount involved in the largest online theft case in Shanghai10.6 million yuan-"3? 6? 1 10 was solved a few days ago. With the careful investigation of Shanghai police and the strong assistance of Yunnan police, the suspects Bai and Ge were arrested in Kunming, Yunnan. Mr. Cai is the general manager of an American-owned software company in Shanghai and has worked in Shanghai for many years. In 2005, the account manager of CCB recommended him to apply for a platinum wealth management card. Cai Zhong, who works in the IT industry, is very familiar with the Internet. He used it as early as the beginning of CCB online banking. Later, Mr. Cai became a contracted customer and later applied for a digital certificate. After that, he often shopped, paid and transferred money through online banking. On March 10, 2007, Mr. Cai inquired about his bank securities account online. However, unexpectedly, the original account capital of 1.6 million yuan was only 36.62 yuan. Mr. Cai quickly logged into the online banking of CCB, but he made continuous mistakes and could not query. Call the customer service, and the money in the card has really been transferred. Two accounts * * * have been transferred 163204.5 yuan (including transfer fee). On the same day, Mr. Cai reported the case to Luwan Branch. After receiving the report, Luwan police quickly set up a task force to investigate the case. After analyzing the case and the feedback information from the bank, as well as knowing the online situation from the victim, the investigator comprehensively judged that the victim's computer was most likely hacked, resulting in the theft of the deposit in the account. By checking the bank transfer records, the investigators found that all the stolen funds were transferred to a current account of China Construction Bank in Kunming, Yunnan, and had been taken away. The police quickly sent personnel to Kunming, Yunnan to carry out an investigation. With the help of Yunnan police, the investigators found out the general identity of the suspect and the place where the online theft was carried out. On the evening of March 28, 2007, with the cooperation of Yunnan police, the task force successfully arrested the suspects Bai and Ge, and seized the computer and some stolen goods. After investigation, when the criminal suspect used photos online, he implanted a virus with a Trojan horse program into the victim's computer to obtain the victim's bank account number, password and authentication information, and then stole the victim's bank account in RMB. Please combine the above materials and write an article in detail: (1) How should we treat online payment? Is it safe after all? (2) From a technical point of view, can the rights and interests of online payment users be protected? The number of words is 2000 ~ 3000. 3. Please read the following materials first: At present, the embarrassment that users in China may encounter when using online payment and e-banking mainly includes: (1) After users encounter unexpected losses when using online payment, according to the general principle of proof in civil disputes: "whoever advocates, gives evidence", it is difficult for users to prove that the bank's computer system has security defects, which makes it difficult for users to win related lawsuits; (2) If a user brings a compensation lawsuit to the bank after paying an unexpected loss online, the court will often wait for the result of cracking the relevant criminal case to judge whether the bank is at fault, and online cases are difficult to identify and obtain evidence. Once the relevant criminal cases cannot make effective progress, it will be difficult for the civil rights and interests of users to get the support of the court; (3) At present, the computer information security environment in China and even the whole world is not ideal, which leads users to face higher information security risks. In the face of "phishing" that cannot be prevented, although it is considered that the user's "prank" is the user's own fault, what kind of obligations and responsibilities the bank should bear in the corresponding incident is the current deficiency of China's legal provisions. In particular, in the event of such a mass incident, what measures and attitudes should banks take to deal with it, whether it is necessary to inform the victims of the changes in their accounts at the first time, whether it is necessary to inform others of the existence of risks in time, whether it is necessary to take anti-counterfeiting measures for websites, whether it is necessary to find out that there are fakes on their websites and take measures in time, and so on. According to the current law, Article 45 of the Guidelines for Electronic Payment (No.1) stipulates that banks only have the obligation to "help find out the reasons and try their best to recover the losses". Please combine the above materials and write an article in detail: (1) Do you agree with the embarrassment users encounter when using online banking mentioned in the above materials? State your point of view. (2) From a legal point of view, please explain how to clarify the obligations and legal responsibilities of banks and third-party service organizations under various circumstances, and what kind of protection the law should give online banking users to solve the embarrassment of this vulnerable group when infringement incidents occur.