1. What is Bualuang iPay?
Bualuang iPay is a new service from Bangkok Bank that uses Verified by Visa and MasterCard SecureCode to provide increased security when using Bangkok Bank credit cards and Be1st cards to make purchases via the Internet.
2. What is the benefit of Bualuang iPay?
With increased security when making online purchases via the Internet, you can shop online with confidence, knowing that the online shop is a Visa or MasterCard authorized merchant.
3. What is Verified by Visa?
Verified by Visa is a service developed by Bangkok Bank and Visa International to provide increased security when using a Bangkok Bank Visa credit card or Be1st card to make purchases via the Internet.
4. What is MasterCard SecureCode?
MasterCard SecureCode is a service developed by Bangkok Bank and MasterCard International to provide increased security when using a Bangkok Bank MasterCard credit card to make purchases via the Internet.
5. Where can I shop using Verified by Visa or MasterCard SecureCode?
At all Verified by Visa or MasterCard SecureCode participating merchants. Our list of merchants using Verified by Visa and MasterCard SecureCode is growing all the time, so make sure you come back and visit this site regularly to see the new merchants joining this service.
6. What is Secure Socket Layer (SSL)?
SSL is one of the hi-tech security tools that we use to protect our banking system. The moment you click 'send' or 'submit,' SSL will encrypt, i.e. scramble, your data and convert it into numerical coding.
Converting the numerical coding into the English or Thai language cannot be done unless it is unlocked with a unique electronic key which contains numerical digits which would be virtually impossible to decipher.
7. How good is Bangkok Bank's SSL?
Bualuang iPay uses the latest versions of SSL, making it statistically improbable for any intruders to break into our system. SSL's job is to encrypt data, the higher the level of encryption, the stronger the security.
The level of encryption is expressed in bits of algorithm. The bank use a 128-bit algorithm, the highest level of encryption available for use in the world's banking industry. International banks such as Bank of America use this level of encryption.
8. What other security tools does the Bank have?
Besides SSL and encryption, we have several other security tools to make Bualuang iPay the safest financial site around. We use several levels of firewall software that acts as a security guard that kicks hackers, or anyone giving a wrong code, out the door. We also use the latest anti-virus software and intrusion detection software.
If you leave your computer screen idle for more than 15 minutes, you will automatically be signed off from our service. This feature prevents anyone from stealing your information or conducting transactions from your account while you are away from the computer.
To prevent anyone having access to your account, we have designed the system so that your account will be suspended immediately the third time a wrong password is entered.
We also have a Verisign Certificate which means it is virtually impossible for anyone to duplicate our web site and pretend to be us.
9. How do I know if the Bank's security system is working?
If the Bank's security system is working on your computer, you will see a closed padlock icon on the bottom right hand side of your screen once you've logged in.
If you move your mouse over to the closed padlock, a phrase that reads "SSL Secured (128 bit)" will pop up. This means all the information you are entering is being encrypted. This will enable you to feel confident about the security of your data.
10. What can I do to enhance security?
- Keep your user ID, Credit number, and Verified by Visa or MasterCard SecureCode to yourself
Do not store them in a computer or write them where other people can find them. Make sure no one is watching as you enter these secret codes.
The Bank will never send e-mails or call you to ask for your personal information. Please notify us on 1333 or 0-2645-5555 or call our credit card customer service 0-26938-4000 if you receive a suspicious phone call, e-mail, or any other form of inquiry asking for your personal credit card information.
- Change your password regularly
Do not use easily recognized numbers such as your birth date, home telephone number, house number, and the like.
- Always log off
Log off from Bualuang iPay every time you are away from the computer. Never walk away from your computer until you have completed a banking transaction.
- Install anti-virus software on your computer and keep updating your virus database
Your computer should have anti-virus and anti-spyware software to make sure it operates in a normal way.
- Avoid using a shared computer, such as one in an Internet Cafe', because it may not be secure.
11. What can I do if someone happens to know my password?
Change your Verified by Visa password immediately, or call our Bualuang Phone customer service representatives on 1333 or (66) 0-2645-5555 or our credit card customer service 0-26938-4000 and ask to have your account suspended.
12. I am using Internet Explorer version 5.0 or 5.01. When I click on the closed padlock on my screen, I see a note that says 'This certificate has failed to verify for all of its content and purposes'. What does this mean?
This has nothing to do with the Bank's security system, and our security level is not compromised in any way. You can find out more information at Microsoft's web site. The address is: http://support.microsoft.com/support/kb/articles/Q233/4/79.ASP
13. What should I do if a Security Information dialog box saying "This page contains both secure and nonsecure items" pops up?
Security Information Dialog Box
This dialog box pops up when you click on another link while your page has not been completely processed. All our sensitive information such as your account and credit card numbers remain encrypted and secure even though the padlock icon disappears.
Click "Yes" to continue using Bualuang iPay, even though the padlock icon disappears, your information remains secured and encrypted.
If you click on "No", you may experience an error page. Please click the back button to return to the previous page. However, if an error page doesn't show up, our transaction is still secure and you can continue using the service.
If you don't want this dialog box to pop up in the future, please wait for the page you're viewing to process completely before you click on another link.
14. If I am using an Internet Cafe to access Bualuang iPay, can I prevent others from viewing/using my accounts?
We recommend our customers log off every time you finish or think that you will be away for a long period. Furthermore you can clear the history of URLs and cache of web pages you visited, by clicking the Tool Menu, then Options. The Options screen will pop up, then click on the two buttons circled in the picture, Delete Internet Temporary Files and Clear History.
15. What is Phishing?
Phishing is a type of Internet piracy that is used by hackers to expose sensitive information such as a password, credit card number or other banking information to make use of such information for cash withdrawals, credit card mail orders, etc. Phishers send fake e-mails, pop-up messages, or questionnaires that claim to be from banks, businesses or other reputable organizations that you deal with.
Please be advised that Bangkok Bank will never send an e-mail requesting you to update your particulars or to validate your personal information via email.
For more information on how to protect yourself from Phishing, please click here.
16. What is a Personal Assurance Message (PAM)?
Personal Assurance Message (PAM) is the message that you specify during registration. This will appear on the website when you are making online transactions to ensure that the online shop is a Visa-authorized merchant.
17. What is a Personal Greeting (PAM)?
Personal Greeting (PG) is the message that you specify during registration. This will appear on the website when you are making online transactions to ensure that the online shop is a MasterCard-authorized merchant.
18. If I have more than one BBL Visa, MasterCard or Be 1st card, can I just register one only?
You can only use card that has already been registered for a Verified by Visa or MasterCard SecureCode transaction. A different card is required to be registered separately.
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