{"id":6389,"date":"2020-12-28T08:38:48","date_gmt":"2020-12-28T08:38:48","guid":{"rendered":"https:\/\/bezpecnenanete.eset.com\/sk\/?p=6389"},"modified":"2021-12-20T13:09:18","modified_gmt":"2021-12-20T13:09:18","slug":"expert-na-kyberneticku-bezpecnost-ak-sa-ludia-drzia-rozumnych-navykov-vie-byt-online-nakupovanie-bezpecne","status":"publish","type":"post","link":"https:\/\/bezpecnenanete.eset.com\/sk\/it-bezpecnost\/expert-na-kyberneticku-bezpecnost-ak-sa-ludia-drzia-rozumnych-navykov-vie-byt-online-nakupovanie-bezpecne\/","title":{"rendered":"Expert na kybernetick\u00fa bezpe\u010dnos\u0165: Ak sa \u013eudia dr\u017eia rozumn\u00fdch n\u00e1vykov, vie by\u0165 online nakupovanie bezpe\u010dn\u00e9"},"content":{"rendered":"\n
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Vianoce so sebou ka\u017edoro\u010dne prin\u00e1\u0161aj\u00fa aj n\u00e1kupn\u00fa hor\u00fa\u010dku. Obchody hl\u00e1sia rekordn\u00e9 predaje bez oh\u013eadu na to, \u010di ide o kamenn\u00e9 prev\u00e1dzky alebo internetov\u00fd predaj. Tento rok je v\u00fdnimo\u010dn\u00fd, preto\u017ee koronav\u00edrus v\u00fdznamne zv\u00fd\u0161il objem n\u00e1kupov na internete, \u010do samozrejme vn\u00edmaj\u00fa aj potenci\u00e1lni \u00fato\u010dn\u00edci. O bezpe\u010dnosti online nakupovania sme sa preto rozpr\u00e1vali s Petrom Stan\u010d\u00edkom, expertom na kybernetick\u00fa bezpe\u010dnos\u0165 spolo\u010dnosti ESET.<\/p>\n\n\n\n

V rozhovore sa do\u010d\u00edtate:<\/h2>\n\n\n\n
  • Kedy je nakupovanie na internete bezpe\u010dn\u00e9?<\/li>
  • Na \u010do si da\u0165 pri online nakupovan\u00ed pozor?<\/li>
  • Ktor\u00e1 mo\u017enos\u0165 platby je najbezpe\u010dnej\u0161ia?<\/li>
  • Je bezpe\u010dn\u00e9 ulo\u017ei\u0165 \u00fadaje o karte v internetovom obchode?<\/li>
  • Ak\u00e9 rizik\u00e1 hrozia pri online nakupovan\u00ed?<\/li><\/ul>\n\n\n\n

    Je nakupovanie na internete bezpe\u010dn\u00e9?<\/strong><\/p>\n\n\n\n

    Povedzme, \u017ee vie by\u0165 bezpe\u010dn\u00e9. Ja s\u00e1m be\u017ene nakupujem na internete. Z\u00e1kladnou pou\u010dkou je nakupova\u0165 cez zabezpe\u010den\u00e9 zariadenia a siete na d\u00f4veryhodn\u00fdch obchodoch cez overen\u00e9 platobn\u00e9 sp\u00f4soby.<\/p>\n\n\n\n

    Je nakupovanie na internete viac alebo menej bezpe\u010dn\u00e9 v porovnan\u00ed s nakupovan\u00edm v re\u00e1lnom svete?<\/strong><\/p>\n\n\n\n

    Na t\u00fato ot\u00e1zku sa ned\u00e1 jednozna\u010dne odpoveda\u0165, preto\u017ee to z\u00e1le\u017e\u00ed od mno\u017estva faktorov. Ak sa ale pou\u017e\u00edvatelia dr\u017eia rozumn\u00fdch n\u00e1vykov, je online nakupovanie v aktu\u00e1lnej situ\u00e1ci\u00ed asi bezpe\u010dnej\u0161ie, ke\u010f\u017ee je riziko infekcie koronav\u00edrusom vy\u0161\u0161ie vo fyzickom obchode. \ud83d\ude0a<\/p>\n\n\n\n

    Ak\u00e9 s\u00fa tie spom\u00ednan\u00e9 rozumn\u00e9 n\u00e1vyky? Ak\u00e9 pravidl\u00e1 by mal be\u017en\u00fd pou\u017e\u00edvate\u013e pri n\u00e1kupe na internete dodr\u017eiava\u0165?<\/strong><\/p>\n\n\n\n

    M\u00f4\u017eeme sa na to pozrie\u0165 z poh\u013eadu, \u010domu sa chcem vyhn\u00fa\u0165. Jednak je to podvod ako tak\u00fd, ktor\u00fd nemus\u00ed s\u00favisie\u0165 so zlyhan\u00edm technol\u00f3gie. Ide sk\u00f4r o rozpoznanie toho, \u010di dok\u00e1\u017ee \u010dlovek rozozna\u0165 pochybn\u00fd obchod alebo nie. Druh\u00fdm aspektom je technick\u00e1 str\u00e1nka n\u00e1kupu.<\/p>\n\n\n\n

    Za\u010dnime najsk\u00f4r technickou str\u00e1nkou.<\/strong><\/p>\n\n\n\n

    Pozrime sa na jednotliv\u00e9 kroky nak\u00fapu. V prvom rade mus\u00edm ma\u0165 zabezpe\u010den\u00e9 a d\u00f4veryhodn\u00e9 zariadenie, cez ktor\u00e9 chcem nakupova\u0165. Nak\u00fapi\u0165 m\u00f4\u017eem aj na najlep\u0161om obchode, ale ak m\u00e1m infikovan\u00fd po\u010d\u00edta\u010d alebo telef\u00f3n, nepom\u00f4\u017ee mi to. To znamen\u00e1, \u017ee by som mal ma\u0165 k nemu pr\u00edstup iba ja alebo osoba, ktorej d\u00f4verujem, napr\u00edklad partner. Toto zariadenie by tie\u017e malo by\u0165 zabezpe\u010den\u00e9 bezpe\u010dnostn\u00fdm softv\u00e9rom.<\/p>\n\n\n\n


    Ak\u00fd je \u010fal\u0161\u00ed krok?<\/strong><\/p>\n\n\n\n

    Ak chcete nakupova\u0165 na internete, va\u0161e zariadenie sa mus\u00ed pripoji\u0165 do siete. Doma je to prebieha oby\u010dajne cez router, tak\u017ee aj tento by mal by\u0165 zabezpe\u010den\u00fd a s aktualizovan\u00fdm firmv\u00e9rom. Ak je router kompromitovan\u00fd, m\u00f4\u017ee ma smerova\u0165 na in\u00e9 str\u00e1nky ako som chcel nav\u0161t\u00edvi\u0165. V skuto\u010dnosti ani nemus\u00edm vedie\u0165 \u017ee som na inej str\u00e1nke. Posledn\u00fdm krokom je obchod samotn\u00fd a jeho technologick\u00e9 zabezpe\u010denie. Napr\u00edklad, \u010di pou\u017e\u00edva \u0161ifrovan\u00fa komunik\u00e1ciu, teda klasick\u00e9 https v url adrese. Aj ke\u010f to samo osebe nie je z\u00e1rukou 100 % bezpe\u010dia, nie\u010do to nazna\u010duje. Rovnako pri v\u00e4\u010d\u0161\u00edch a zn\u00e1mej\u0161\u00edch obchodoch sa d\u00e1 sk\u00f4r o\u010dak\u00e1va\u0165, \u017ee bud\u00fa venova\u0165 patri\u010dn\u00fa pozornos\u0165 bezpe\u010dnosti a nar\u00e1banie s \u00fadajmi svojich z\u00e1kazn\u00edkov, aj ke\u010f to samozrejme, nemus\u00ed by\u0165 pravidlom.   <\/p>\n\n\n\n

    Ako m\u00e1 be\u017en\u00fd pou\u017e\u00edvate\u013e rozpozna\u0165, \u010di je nejak\u00fd obchod d\u00f4veryhodn\u00fd?<\/strong><\/p>\n\n\n\n

    Pom\u00f4\u017ee, ak pou\u017eije zdrav\u00fd sedliacky rozum. Oby\u010dajne sa pri pochybn\u00fdch obchodoch vyskytuje viacero sign\u00e1lov, ktor\u00e9 by n\u00e1s mali zalarmova\u0165. Napr\u00edklad podozrivo n\u00edzka cena alebo ch\u00fdbaj\u00face meno a s\u00eddlo prev\u00e1dzkovate\u013ea. S\u00eddlo prev\u00e1dzkovate\u013ea je d\u00f4le\u017eit\u00e9 aj pri d\u00f4veryhodn\u00fdch obchodoch \u2013 ak d\u00f4jde k probl\u00e9mu, spad\u00e1 prev\u00e1dzkovate\u013e do legislat\u00edvnej z\u00f3ny, v r\u00e1mci ktorej m\u00e1m na neho dosah? Naopak, dobr\u00fdm znakom je viacero mo\u017enost\u00ed platby, ke\u010f\u017ee skuto\u010dn\u00fd obchodn\u00edk sa sna\u017e\u00ed \u013eu\u010fom u\u013eah\u010di\u0165 n\u00e1kup. Pre podvodn\u00edkov by to bola len pr\u00e1ca navy\u0161e. Pri nezn\u00e1mych obchodoch odpor\u00fa\u010dam pozrie\u0165 si hodnotenia obchodu tret\u00edmi stranami, teda nie priamo na danom e-shope. D\u00f4veryhodnos\u0165 je v\u0161ak aj subjekt\u00edvna vec a ka\u017ed\u00fd m\u00e1 in\u00fa mieru tolerancie rizika.<\/p>\n\n\n\n

    Po\u010fme na nieko\u013eko praktick\u00fdch ot\u00e1zok. Ktor\u00e1 platba na internete je najbezpe\u010dnej\u0161ia? Platba kartou, dobierkou, prevod alebo nie\u010do in\u00e9?<\/strong><\/p>\n\n\n\n

    Ka\u017ed\u00e1 z mo\u017enost\u00ed m\u00e1, samozrejme, nejak\u00e9 v\u00fdhody aj nev\u00fdhody. Ja osobne preferujem platbu kartou, ide\u00e1lne kreditnou. V tomto pr\u00edpade ide v prvom momente o peniaze banky a aj preto je ich s\u00fa\u010das\u0165ou \u010dasto poistenie. Pokia\u013e si nie som ist\u00fd nejak\u00fdm obchodom, alebo platobnou br\u00e1nou, je dobrou mo\u017enos\u0165ou pou\u017ei\u0165 virtu\u00e1lnu platobn\u00fa kartu, ktor\u00fa pou\u017e\u00edvaj\u00fa aj niektor\u00e9 banky na Slovensku. Pri platbe na dobierku m\u00e1 \u010dlovek mo\u017enos\u0165 plati\u0165 v hotovosti a skontrolova\u0165 si tovar pri prevzat\u00ed, \u010do je ve\u013ek\u00e9 plus. Na druhej strane, m\u00e1lo \u013eud\u00ed si re\u00e1lne otvor\u00ed bal\u00ed\u010dek pred kuri\u00e9rom a a\u017e potom podp\u00ed\u0161e, \u017ee ho prevzal. Aj tu je teda ur\u010dit\u00e9 riziko. V\u00fdhodou je aj to, \u017ee nikde nezad\u00e1vate inform\u00e1cie o svojej karte.. Ak si nie som ist\u00fd d\u00f4veryhodnos\u0165ou e-shopu, pou\u017e\u00edvam platbu cez PayPal.<\/p>\n\n\n\n

    Je bezpe\u010dnej\u0161ie nakupova\u0165 cez mobil alebo na po\u010d\u00edta\u010di?<\/strong><\/p>\n\n\n\n

    V\u00fdhoda telef\u00f3nu spo\u010d\u00edva v tom, \u017ee sa do siete m\u00f4\u017ee prihl\u00e1si\u0165 aj cez GSM sie\u0165, teda cez mobiln\u00e9 d\u00e1ta. Hlavne v pr\u00edpadoch, kde si m\u00e1m vybra\u0165 medzi verejnou, mne nezn\u00e1mou WIFI, alebo GSM sie\u0165ou, je rozumnej\u0161ie pou\u017ei\u0165 klasick\u00e9 mobiln\u00e9 d\u00e1ta, hlavne pri naozaj ve\u013emi citliv\u00fdch transakci\u00e1ch. St\u00e1le v\u0161ak plat\u00ed, \u017ee mus\u00edm ma\u0165 zabezpe\u010den\u00fd telef\u00f3n a nakupova\u0165 u d\u00f4veryhodn\u00e9ho obchodn\u00edka, inak mi nepom\u00f4\u017ee ani relat\u00edvne bezpe\u010dnej\u0161ia GSM sie\u0165.<\/p>\n\n\n\n

    Mobily maj\u00fa aj t\u00fa v\u00fdhodu, \u017ee ve\u013ea renomovan\u00fdch obchodov poskytuje aj dedikovan\u00fa mobiln\u00fa aplik\u00e1ciu. T\u00e1 je vo v\u0161eobecnosti bezpe\u010dnej\u0161ia, preto\u017ee op\u00e4\u0165 vynech\u00e1vame jeden mo\u017en\u00fd vektor \u00fatoku a to je internetov\u00fd prehliada\u010d. Ke\u010f\u017ee aplik\u00e1ciu si spravuje samotn\u00fd obchod, bude pravdepodobne dba\u0165 na jej bezpe\u010dnos\u0165.<\/p>\n\n\n\n

    \u013dudia by teda mali nakupova\u0165 cez telef\u00f3n a mobiln\u00e9 d\u00e1ta.<\/strong><\/p>\n\n\n\n

    Ned\u00e1 sa to poveda\u0165 takto jednozna\u010dne. Ak nakupujem cez zabezpe\u010den\u00fa dom\u00e1cu sie\u0165 s bezpe\u010dn\u00fdm routerom, je to tie\u017e v poriadku. Ide o to, aby som si bol ist\u00fd bezpe\u010dnos\u0165ou ka\u017ed\u00e9ho kroku smeruj\u00faceho k n\u00e1kupu. Potom je v princ\u00edpe jedno, cez \u010do nakupujem. Nakupovanie na po\u010d\u00edta\u010di m\u00f4\u017ee by\u0165 bezpe\u010dn\u00e9 u m\u0148a doma, ale nemus\u00ed to plati\u0165 o n\u00e1kupe napr\u00edklad cez wifi sie\u0165 v kaviarni, alebo u kamar\u00e1ta \u010di rodiny. Oni nemusia by\u0165 nato\u013eko technicky zdatn\u00ed, aby mali spr\u00e1vne zabezpe\u010den\u00fa sie\u0165 \u010di router.<\/p>\n\n\n\n

    Je bezpe\u010dn\u00e9 registrova\u0165 sa pri n\u00e1kupe na nejakom obchode alebo m\u00e1m rad\u0161ej nakupova\u0165 bez registr\u00e1cie?<\/strong><\/p>\n\n\n\n

    Op\u00e4\u0165 je to ve\u013emi individu\u00e1lne. Ka\u017ed\u00fd by si mal s\u00e1m vyhodnoti\u0165, \u010di uprednostn\u00ed pohodlie za cenu vy\u0161\u0161ieho rizika. Ja osobne nakupujem s registr\u00e1ciou, pokia\u013e odo m\u0148a obchod nevy\u017eaduje podozrivo ve\u013ea \u00fadajov. Ak chcem, aby mi nie\u010do priniesol kuri\u00e9r, asi mus\u00edm aj tak uvies\u0165 meno, miesto bydliska \u010di telef\u00f3nne \u010d\u00edslo. Taktie\u017e zad\u00e1m e-mail, aby som dostal potvrdenie o n\u00e1kupe alebo fakt\u00faru. Ak nechcem zad\u00e1va\u0165 s\u00fakromn\u00e9 \u00fadaje alebo pochybujem o nejakom obchode, m\u00f4\u017eem uvies\u0165 adresu, kde pracujem a jednorazovo si vytvori\u0165 e-mailov\u00fa adresu. Vo v\u0161eobecnosti v\u0161ak vid\u00edm najm\u00e4 v\u00fdhody registr\u00e1cie na d\u00f4veryhodn\u00fdch obchodoch, pokia\u013e tam nakupujem pravidelne a pokia\u013e nep\u00fdtaj\u00fa ve\u013ek\u00e9 mno\u017estvo \u00fadajov.<\/p>\n\n\n\n

    A \u010do ukladanie platobnej karty v nejakom internetovom obchode? Je to bezpe\u010dn\u00e9?<\/strong><\/p>\n\n\n\n

    Budem sa opakova\u0165, je to o d\u00f4vere. Nie je na to jednozna\u010dn\u00e1 odpove\u010f. Pokia\u013e \u010dlovek nakupuje v d\u00f4veryhodnom obchode, ktor\u00fd m\u00e1 technick\u00fa str\u00e1nku veci zabezpe\u010den\u00fa, nemal by to by\u0165 probl\u00e9m. Hocikde by som si v\u0161ak kartu neukladal.<\/p>\n\n\n\n

    Sk\u00fas pomenova\u0165 konkr\u00e9tne pr\u00edklady. Ako m\u00f4\u017eu \u00fato\u010dn\u00edci za\u00fato\u010di\u0165 na nakupuj\u00faceho cez internet?<\/strong><\/p>\n\n\n\n

    M\u00f4\u017eeme sa na to op\u00e4\u0165 pozrie\u0165 cez u\u017e spom\u00ednan\u00e9 jednotliv\u00e9 kroky n\u00e1kupu. Prv\u00fdm krokom bolo zabezpe\u010den\u00e9 zariadenie. Ak je v\u0161ak zariadenie kompromitovan\u00e9, m\u00f4\u017ee sa sta\u0165 v podstate \u010doko\u013evek. Pou\u017e\u00edvate\u013e nem\u00f4\u017ee nikdy vedie\u0165, \u010di to, \u010do mu zariadenie zobrazuje, je v skuto\u010dnosti pravda. V takomto pr\u00edpade m\u00f4\u017eem ma\u0165 pocit, \u017ee nakupujem na str\u00e1nke zn\u00e1meho obchodu, ale m\u00f4\u017ee to by\u0165 str\u00e1nka vytvoren\u00e1 \u00fato\u010dn\u00edkmi. Taktie\u017e mi m\u00f4\u017eu odcudzi\u0165 \u00fadaje o karte, osobn\u00e9 \u00fadaje \u010di hesl\u00e1. \u010casto maj\u00fa napr\u00edklad pou\u017e\u00edvate\u013ea v zariadeniach tzv. \u201ebanking trojany\u201c. To je \u0161kodliv\u00fd k\u00f3d, ktor\u00fd sa sna\u017e\u00ed ukradn\u00fa\u0165 prihlasovacie \u00fadaje do internet bankingu. T\u00fdch sp\u00f4sobov je v\u0161ak naozaj ve\u013ea.  <\/p>\n\n\n\n

    V poriadku, po\u010fme na \u010fal\u0161\u00ed krok. Ak sa nem\u00fdlim, bolo to pripojenie cez router.<\/strong><\/p>\n\n\n\n

    Probl\u00e9mom m\u00f4\u017ee by\u0165 aj kompromitovan\u00fd router. Ke\u010f zad\u00e1m adresu nejak\u00e9ho obchodu, moje zariadenie sa op\u00fdta routera, odkia\u013e m\u00e1 dan\u00fa str\u00e1nku stiahnu\u0165 z cel\u00e9ho mno\u017estva str\u00e1nok na internete. Pokia\u013e m\u00e1 \u00fato\u010dn\u00edk pr\u00edstup k m\u00f4jmu routeru, m\u00f4\u017ee mu napr\u00edklad poveda\u0165, aby pri vybran\u00fdch adres\u00e1ch nezobrazil skuto\u010dn\u00e9 str\u00e1nky, ale nie\u010do in\u00e9. M\u00f4\u017ee to dokonca vyzera\u0165 \u00faplne rovnako, len \u00fadaje bud\u00fa smerova\u0165 inam.<\/p>\n\n\n\n

    Na internete je aj mno\u017estvo falo\u0161n\u00fdch str\u00e1nok. Ak\u00fa ve\u013ek\u00fa hrozbu predstavuj\u00fa?<\/strong><\/p>\n\n\n\n

    Zatia\u013e som spom\u00ednal technick\u00e9 rizik\u00e1 a tie s\u00fa sk\u00f4r na strane pou\u017e\u00edvate\u013ea. \u010co sa t\u00fdka falo\u0161n\u00fdch alebo podvodn\u00fdch obchodov, tie s\u00fa asi naj\u010dastej\u0161\u00edm sp\u00f4sobom \u00fatoku na be\u017en\u00fdch pou\u017e\u00edvate\u013eov. Jednoducho \u013eud\u00ed presved\u010dia, \u017ee s\u00fa legit\u00edmnym obchodom, pri\u010dom ich cie\u013eom je len z\u00edska\u0165 \u00fadaje alebo peniaze. \u010clovek chce nak\u00fapi\u0165 zna\u010dkov\u00e9 slne\u010dn\u00e9 okuliare za 10 eur a dostane sa na falo\u0161n\u00fd obchod, ktor\u00fd sa m\u00f4\u017ee aj d\u00f4veryhodne tv\u00e1ri\u0165, ale jeho \u00falohou nie je preda\u0165 v\u00e1m lacn\u00e9 okuliare. Obvykle tam nie je zabezpe\u010den\u00e1 komunik\u00e1cia, ani platobn\u00e1 br\u00e1na. \u010clovek v\u00e4\u010d\u0161inou zad\u00e1 platobn\u00e9 \u00fadaje a tie sa pou\u017eij\u00fa niekde \u00faplne inde. Typick\u00e9 pri t\u00fdchto obchodoch je, \u017ee sa na nich \u010dlovek ani za svet \u201enedoklik\u00e1\u201c, kto ich prev\u00e1dzkuje a kde s\u00eddli.<\/p>\n\n\n\n

    Mali by si d\u00e1va\u0165 \u013eudia v\u00e4\u010d\u0161\u00ed pozor pri n\u00e1kupoch pred Vianocami? S\u00fa v predviano\u010dnom obdob\u00ed \u00fato\u010dn\u00edci akt\u00edvnej\u0161\u00ed?<\/strong><\/p>\n\n\n\n

    \u00dato\u010dn\u00edci reaguj\u00fa na ak\u00fako\u013evek udalos\u0165, ktor\u00e1 sa d\u00e1 spe\u0148a\u017ei\u0165. \u010ci je \u0161\u0165astn\u00e1 ako Vianoce, alebo ne\u0161\u0165astn\u00e1 ako koronav\u00edrus. Plat\u00ed jednoduch\u00e1 rovnica: kde je viac nakupovania, tam je viac potenci\u00e1lnych obet\u00ed. Ak je teda motiv\u00e1cia \u013eud\u00ed nakupova\u0165 vysok\u00e1, \u010do plat\u00ed aj o Vianociach, vysok\u00e1 bude aj pravdepodobnos\u0165, \u017ee sa to pok\u00fasia zneu\u017ei\u0165 \u00fato\u010dn\u00edci. Vid\u00edme to aj v na\u0161ich d\u00e1tach.<\/p>\n\n\n\n

    Tento rok je navy\u0161e \u0161pecifick\u00fd, preto\u017ee koronav\u00edrus vytla\u010dil mno\u017estvo \u013eud\u00ed do online priestoru. \u013dudia pracuj\u00fa z domu cez internet, deti sa cez internet u\u010dia. Do online sveta sa dostali aj \u013eudia, ktor\u00ed neboli mo\u017eno a\u017e tak zvyknut\u00ed a pripraven\u00ed fungova\u0165 bezpe\u010dne na internete. Aj toto sa \u00fato\u010dn\u00edci rozhodne sna\u017eia zneu\u017ei\u0165.<\/p>\n\n\n\n

    \n\n\n\n
    \"\"<\/figure><\/div>\n\n\n\n

    Peter Stan\u010d\u00edk v ESETe vedie t\u00edm venuj\u00faci sa v\u00fdskumu v oblasti kybernetickej bezpe\u010dnosti a publikovaniu v\u00fdsledkov v\u00fdskumn\u00fdch centier ESETu.<\/p>\n","protected":false},"excerpt":{"rendered":"

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