HDFC Bank - Security Measures

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Security

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Security

Internet Banking System Security:

	Login Security: Access to customer's NetBanking account is granted using a Customer ID and IPIN (internet banking password) that is privy to the customer. Without a valid IPIN corresponding to the customer ID, access to customer account cannot be gained by anyone. The customer's NetBanking service is revoked if not in use by customer for more than 999 days for security.
	IPIN Security: IPIN is randomly generated by the system and directly printed on tamper proof media such that it is not accessible by anyone other than the customer. Customer is forced to change his IPIN such upon first login such that customer is assured that IPIN is not compromised before delivery. IPIN is stored by the Bank by use of encryption technology such that it is not accessible to anyone including the system administrator.
	Session Security: Access to the customers are provided through a secure webpage that encrypts the session between the customer's computer and the webpage using 128-bit encryption so that the communication between the customer's computers and the webpage cannot be intercepted by anyone over the internet. HDFC Bank systems time out the customer's login sessions to his NetBanking account upon prolonged inactivity for protection against misuse.
	Digital Certificate: The webpage of the HDFC Bank's internet banking server is identified by means of a digital certificate provided by Verisign to ensure its customer that they are on the correct site and protect themselves from revealing their confidential account information on some fake website.
	Virtual keyboard: Customer can use the feature of Virtual Keyboard while logging into his NetBanking account. This protects the users IPIN from being compromised by keylogger software installed on untrusted/shared computers e.g cyber cafes.
	Insta Alert: The Bank has InstaAlert service to send SMS/ Email alert to the customer upon registration for defined transaction denominations and while adding beneficiary/ies for carrying out Third Party Transfer transactions.
	Security Solutions: All banking systems are secured using state-of-the-art security solutions acknowledged world wide viz, firewalls, intrusion detection systems, intrusion prevention systems, anti-malware systems to extend secure banking services to our customers.
	Security Teams: The Bank has robust processes, skilled people and competent service providers who monitor the security of our systems round the clock.

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