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New Words
conduct vt.执行 n.行为
e-banking, credential, verification
routinely adv.例行公事地 routine n.,adj.日常工作
allocate, indicate, loan, savings
balance n.结余 vt.平衡
transfer, periodic, M-banking
repayment n.偿还，退还
conduct vt.执行 n.行为
e-banking, credential, verification
routinely adv.例行公事地 routine n.,adj.日常工作
allocate, indicate, loan, savings
balance n.结余 vt.平衡
transfer, periodic, M-banking
repayment n.偿还，退还
enrollment n.登记，入学 enroll
monitor vt.监控 n.监视器
inception, federally
regulation n.规章，规则 regular, regulate
govern vt.管理 government, governor
permanent, reduction, reputational, adopt, embrace
distribute vt.分配 distribution 配送
trojan, manipulate, quote, valid, encrypt
concrete adj.具体的，混凝土
deceive, pharming, keylogger, faked
suspicious adj. 可疑的
quarterly adj.季度的 adv.
intrusion, average, malware, persuade, countermeasure
coder n. 译码器 code
attachment n.附件 attach
infect vt.感染 infection
standalone, counter
Phrases
online banking 网上银行
retail bank 零售银行
credit union 信用合作社
interact with… 相互交流
have…in common 有共同之处
cheque book 支票簿
carry out 实施
adds up to 共计
Abbreviations
PIN (personal identification number) 个人标识号
TAN (transaction authentication number) 交易身份验证号
GSM (global system for mobile communication) 全球移动通信系统
CDMA2000、WCDMA、TD-SCDMA
TD-LTE和FDD-LTE
Main Contents
Online banking: electronic payment system, conduct financial transaction
register with the institution, and set up…
1. features
non-transactional tasks including: …
transact banking tasks including: …
register utility billers and make bill payments: …
Some institutions offer unique internet banking
2. Regulations
Electronic Funds Transfer Act of 1978
3. Advantages
permanent access; lower costs; access anywhere
4. Security
PIN/TAN system, signature system
4.1 attacks
Cross-site scripting, key-logger/Trojan houses
$16 million loss in the second quarter of 2007
4.2 countermeasures
SMS TAN
Chip TAN
