Authorisation Data and Tools

Online Bank Usage Modes and Limits

Places for Using the Online bank

Online Bank Security Certificate

Safeguard Your Computer

Termination of Work and Exiting the Online Bank

Limitation of Online Bank Session

Authorisation Data and Tools

• User Number

• Password

Password Protection

• Use passwords difficult for others to guess.
• Do not write passwords down on paper or leave in places accessible to other persons.
• Do not disclose the passwords of your computer, Online bank or other software.
• In passwords use combinations known only to you, for instance, digits, special symbols and capital letters.
• Choose password of more than 8 symbols.
• Do not use the option offered by Internet browser to remember the password.
• Change the password if you suspect someone knows it.

User Blocking

• Code Card

• Code Calculator

Remember! Krajbanka never sends e-mails requesting information of any user's data (user number, password, codes, PIN numbers of cards, etc.) or to enter such information in a link (URL) specified in the e-mail.

If you suspect the connection to the Online bank has taken place unusually (different windows, the security certificate does not conform to the actual situation, fraudulent e-mail received), please telephone customer service immediately on: +371 67092020 and do not attempt to connect to the Online bank from the same computer.

Online Bank Usage Modes and Limits

• read-only (for reviewing accounts and transactions performed);
• transaction (for reviewing accounts and transactions performed and to effect bank operations).

• for code card - LVL 1 000 (the limit can be lowered if necessary);
• for code calculator - LVL 10 000 (the limit can be lowered or increased if necessary).

Use more safe identification means, i.e., code calculators, whose generated codes are valid for a definite period of time and do not repeat.

Monitor your account balances and information about bank operations on a regular basis. Use the option of Mobile bank for receiving short message about transactions performed or to receive full information in the Account statement at the end of month.

Places for Using the Online bank

Online terminals have been placed in almost any customer service centres of Latvijas Krajbanka in order to enable any bank customer to connect to the Online bank and to effect payments completely safely.

Online Bank Security Certificate

Safe data transmission channel between your computer and the bank is permanently ensured by 128 or 256 bit strong encoding algorithm and using SSL (Secure Sockets Layer) protocol. Usage of SSL protocol is proven by key pictogram and letters https in the beginning of Krajbanka Online bank address.

Before connecting to Krajbanka Online bank please make sure of the safety of created communication channel by clicking on the key pictogram and verifying the certificate authenticity. The certificate must specify the correct address of the Online bank homepage, i.e., online.lkb.lv and the company www.verisign.com must be the issuer of the certificate. Verification allows establishing its authenticity and whether the currently visited Internet homepage has been officially registered.

• online.lkb.lv is the owner of the certificate (issued to);
• Thawte SGG, SA Thawte Consulting (Pty) Ltd. is the issuer of the certificate (issued by).

The section Certification path allows establishing that the chain of participants includes only three links (see below) and no interlinks (non-certified participants). Certificate status must be OK (This certificate is OK).

Terminate the work session and notify to the bank if the Internet browser warns about:

• invalid or outdated security certificate;
• unknown issuer company of the certificate;
• incorrect title of  the Online bank homepage.
  
  

Safeguard Your Computer

Monitor the computer system where you use the electronic services on regular basis:

• carefully watch, who uses your computer;
• install the security updates for operating system on a regular basis;
• do not work in the Internet with computer’s local administrator rights;
• use several means for protecting the computer:
  • access passwords;
  • latest Internet protection tools;
  • update browsers and their versions on a regular basis;
  • update antivirus software on a regular basis;
  • use firewall for protecting the computer system;
    
  • use spyware detection and removal software by verifying the computer system.

Antivirus Software
Install antivirus software on your computer to establish whether the computer is free of virus infection, to identify the viruses and to quarantine and remove detected viruses.

Examples of antivirus software:

• http://free.grisoft.com/doc/5390/lng/us/tpl/v5
• http://www.avast.com/eng/avast_4_home.html
• http://www.free-av.com/
• (free antivirus software)
• http://www.mcafee.com/
• http://www.antivirus.lv/
• http://www.eset.com/

Updating of antivirus software must take place on regular basis to enable adequate and effective performance of its functions.

Protection Software
Use firewall, which is verifying and filtering software for incoming and outgoing data and is able to recognize attempts to connect to your computer remotely. The firewall may be either built-in in the operating system (e.g., Windows XP SP2 or Windows Vista) or offered separately. Examples of firewall software:

• Check Point ZoneAlarm
• Comodo Internet Security

Antivirus and firewall software are not always capable of protecting your computer against external attempts to obtain information. For making sure that the computer contains no spyware or keyboard recording software, please install protection against these threats - http://www.microsoft.com/windows/products/winfamily/defender/default.mspx (free protection against spyware).

Termination of Work and Exiting the Online Bank

Always make sure of closing the browser after using the Online bank.

Limitation of Online Bank Session

Time limitation has been introduced for Online bank usage session with duration of 15 minutes. The time limitation mainly protects from cases of forgetting to close the Online bank when leaving the computer. If you have carried out no activities in the Online bank within a 15 minute period, repeated authorization will be requested.