Quote:
Originally Posted by JMBroad
That's in any internet café
Whenever you go to an internet café you can be sure keylogging software is running - it's how most of them make their money.
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My sister had her account drained this way whilst she was on holiday in Indonesia, her bank refunded the money, which is pretty normal these days.
If you have a bank account that gives you a special card to use when you log on then the information they get is useless. I have 2 types of them, one is a little keyring with a digital display which shows a number that changes every minute, and the other is a plastic card with a series of random numbers on it.
So to log in you need your user id, your password and a number from the keyring or the card. If all 3 are not correct you can't get access. Even when someone looks at the keylogger records and sees your password and username, they are useless without having access to the card or the keyring as the number you need to type in will not be the same as the last time.
I don't know why more banks don't do this as it would save them a fortune, I guess it is cheaper to just refund people's money.
I use this to access my accounts anywhere without problems.