{"id":4558,"date":"2021-10-23T14:32:15","date_gmt":"2021-10-23T12:32:15","guid":{"rendered":"https:\/\/orangeacademy.cz\/clanky\/?p=4558"},"modified":"2021-11-27T20:38:25","modified_gmt":"2021-11-27T19:38:25","slug":"co-je-bankovni-identita","status":"publish","type":"post","link":"https:\/\/orangeacademy.cz\/clanky\/co-je-bankovni-identita\/","title":{"rendered":"Co je bankovn\u00ed identita a jak ji z\u00edskat?"},"content":{"rendered":"

Bankovn\u00ed identita (ve zkratce BankID) umo\u017e\u0148uje lidem p\u0159ihl\u00e1\u0161en\u00ed s\u00a0pomoc\u00ed internetov\u00e9ho bankovnictv\u00ed ke slu\u017eb\u00e1m eGovernmentu. Pracuje s\u00a0principem ji\u017e jednou ov\u011b\u0159en\u00e9 toto\u017enosti. Tento syst\u00e9m se pou\u017e\u00edv\u00e1 i v jin\u00fdch evropsk\u00fdch zem\u00edch.<\/strong><\/p>\n

Bankovn\u00ed identita slou\u017e\u00ed k\u00a0p\u0159ihl\u00e1\u0161en\u00ed do va\u0161\u00ed banky<\/h2>\n

Mo\u017en\u00e1 si to ani neuv\u011bdomujete a mysl\u00edte si, \u017ee je BankID n\u011bco nov\u00e9ho, ale nen\u00ed tomu tak. Bankovn\u00ed identitu pou\u017e\u00edv\u00e1 mnoho lid\u00ed. Poj\u010fme se pod\u00edvat na statistiku\u2026<\/p>\n

\u201eMezi \u010cechy roste obliba\u00a0internetov\u00e9ho bankovnictv\u00ed\u00a0a online nakupov\u00e1n\u00ed, kter\u00e9 vyu\u017e\u00edv\u00e1 ji\u017e t\u00e9m\u011b\u0159 90 %\u00a0lid\u00ed\u00a0ve v\u011bku 25-34 let. Pou\u017e\u00edv\u00e1n\u00ed\u00a0internetu\u00a0je st\u00e1le \u010dast\u011bj\u0161\u00ed i mezi seniory. V roce 2019 bylo online ji\u017e 39 % osob star\u0161\u00edch 65 let.\u201c (Zdroj: \u010cesk\u00fd statistick\u00fd \u00fa\u0159ad)<\/p><\/blockquote>\n

K\u00a0\u010demu dal\u0161\u00edmu slou\u017e\u00ed bankovn\u00ed identita?<\/h3>\n

Jestli\u017ee vy sami bankovn\u00ed identitu pou\u017e\u00edv\u00e1te, tak v\u00edte, \u017ee se jedn\u00e1 o p\u0159ihla\u0161ovac\u00ed \u00fadaje do internetov\u00e9ho bankovnictv\u00ed<\/strong>. V\u0161e m\u00e1 ale sv\u00e9 v\u00fdhody a nev\u00fdhody. Pro n\u011bkoho se m\u016f\u017ee jednat o slo\u017eit\u00fd proces, nap\u0159. po zad\u00e1n\u00ed p\u0159ihla\u0161ovac\u00edho jm\u00e9na a hesla, mus\u00edte zadat do pol\u00ed\u010dka je\u0161t\u011b sv\u00e9 datum narozen\u00ed, pop\u0159\u00edpad\u011b odpov\u011b\u010f na kontroln\u00ed ot\u00e1zku, n\u00e1sledn\u011b je\u0161t\u011b v\u0161e potvrd\u00edte k\u00f3dem z\u00a0sms zpr\u00e1vy nebo potvrd\u00edte p\u0159ihl\u00e1\u0161en\u00ed p\u0159es bankovn\u00ed aplikaci v\u00a0mobilu.<\/p>\n

Na druhou stranu je velice pohodln\u00e9 se s\u00a0pomoc\u00ed BankID dostat ke sv\u00fdm pen\u011bz\u016fm v\u00a0bance a zkontrolovat stav sv\u00e9ho konta kdykoliv si vzpomenete. Z\u00a0pohodl\u00ed domova \u010di na cest\u00e1ch, poplat\u00edte co je pot\u0159eba, nemus\u00edte p\u0159itom b\u011b\u017eet na pobo\u010dku do banky ani na po\u0161tu. To ale nen\u00ed v\u0161echno\u2026<\/p>\n

Online dnes vy\u0159\u00edd\u00edte t\u00e9m\u011b\u0159 v\u0161e, na co si vzpomenete<\/h3>\n

Bankovn\u00ed identita m\u00e1 jist\u00e9 dal\u0161\u00ed v\u00fdhody. Online si po p\u0159ihl\u00e1\u0161en\u00ed do sv\u00e9ho internetov\u00e9ho \u010di mobiln\u00edho bankovnictv\u00ed, snadno prohl\u00e9dnete nab\u00eddku od sv\u00e9 banky na zalo\u017een\u00ed dal\u0161\u00edch \u00fa\u010dt\u016f, spo\u0159en\u00ed nebo uzav\u0159en\u00ed poji\u0161t\u011bn\u00ed, \u00fav\u011bru a hypot\u00e9ky se zaj\u00edmav\u011bj\u0161\u00ed RPSN<\/a>. Banky maj\u00ed zpravidla lep\u0161\u00ed podm\u00ednky a \u00faroky pro st\u00e1vaj\u00edc\u00ed klienty.<\/p>\n

\"BankId<\/p>\n

Pozor! Co je to phishing? Jak\u00e1 rizika m\u00e1 BankID<\/em>?<\/h3>\n

N\u011bkte\u0159\u00ed lid\u00e9 se ob\u00e1vaj\u00ed z\u0159\u00eddit si BankID kv\u016fli sv\u00e9 bezpe\u010dnosti. Maj\u00ed strach o pen\u00edze<\/a> i citliv\u00e1 data. Jen\u017ee s\u00a0nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed toto riziko nehroz\u00ed, podvodn\u00edci maj\u00ed toti\u017e mnohem chyt\u0159ej\u0161\u00ed praktiky<\/strong>, jak klienty bank zneu\u017e\u00edt. Jedn\u00e1 se o tzv. phising, co\u017e je podvodn\u00e1 technika slou\u017e\u00edc\u00ed podvodn\u00edk\u016fm k\u00a0z\u00edsk\u00e1n\u00ed va\u0161ich osobn\u00edch d\u016fv\u011brn\u00fdch dat, nap\u0159. \u010d\u00edsla kreditn\u00edch karet, hesel a dal\u0161\u00ed \u00fadaj\u016f.<\/p>\n

Jak phising funguje?<\/strong> Obvykle klienti obdr\u017e\u00ed e-mailovou zpr\u00e1vu \u010di sms, kde jsou vyzv\u00e1ni k\u00a0zad\u00e1n\u00ed jejich p\u0159ihla\u0161ovac\u00edch \u00fadaj\u016f. Tento kontakt se tv\u00e1\u0159\u00ed, \u017ee je d\u016fv\u011bryhodn\u00fd, a \u017ee poch\u00e1z\u00ed p\u0159\u00edmo z\u00a0banky. Ale nen\u00ed tomu tak. Jak se proti tomu br\u00e1nit? Jednodu\u0161e. Do sv\u00e9ho internetov\u00e9ho bankovnictv\u00ed cho\u010fte jen p\u0159es ov\u011b\u0159enou mobiln\u00ed aplikaci v\u00a0mobilu nebo p\u0159es str\u00e1nky dan\u00e9 banky. Na \u017e\u00e1dn\u00e9 jin\u00e9 odkazy neklikejte, \u017e\u00e1dn\u00e1 data nikomu ne\u0159\u00edkejte, a to ani po telefonu.<\/p>\n

N\u011bkter\u00e9 banky vytvo\u0159\u00ed sv\u00fdm klient\u016fm bankovn\u00ed identitu automaticky spolu se zalo\u017een\u00edm \u00fa\u010dtu. Slu\u017eba BankID je zdarma. Bankovn\u00ed identita nab\u00edz\u00ed ov\u011b\u0159en\u00ed toto\u017enosti s pomoc\u00ed otisku prstu, face ID, elektronick\u00e9ho kl\u00ed\u010de, p\u0159es sms k\u00f3d nebo potvrzen\u00ed v\u00a0bankovn\u00ed aplikaci v\u00a0telefonu.<\/em><\/p><\/blockquote>\n

Jak\u00e9 banky nab\u00edzej\u00ed BankID? Jsou to nap\u0159.<\/h3>\n