Is the online world more secure than the offline one?

by David Dostal in General


Data security is one of the most important topics for FetView, of course. I dare to say that security of our systems (including data management) is higher than today’s current banking standards.

In general, I can say with certainty that the Internet offers a higher level of security than the old offline world. I would like to demonstrate the claim on two simple examples which each of us knows:


Payment by a credit card

The credit card itself is divided into two parts: the front and the back.

To perform a payment in a store, you need to have your credit card with you. The seller puts the card into a payment terminal and you enter your PIN or sign a receipt – done.

To execute a payment on the Internet, you “should” have your card with you physically. To ensure that you are the holder of the card and have it on you during the payment, you are required to enter the so-called CCV code on the back of your card in addition to the credit card number and expiration date on the front of your card.

But since you handed your credit card over to the seller at the store before, he had a good opportunity to easily “copy” the data on the front and back of your card. For example, simply placing a camera in front of which he holds both sides of the card briefly does the job. And he is free to misuse your card on the Internet.

On the other hand, every bank or payment system such as PayPal requests an encrypted connection by the operator. That ensures that the data you enter info a form cannot be viewed by any other party and therefore cannot be abused. This process contrasts with the shop where you actually released your credit card information unencrypted.


Bank transfers

Offline banking: I think that many people still use the classic bank transfers: filling a paper transfer form, signing it and throwing it in the “transfer box” of the bank or handing it over at a counter.

The only thing needed for the transfer to happen is the account number and, in the best case, a signature similar to the one of the account holder. If the bank employees is not attentive enough and does not compared the signature on the transfer form thoroughly enough, the money transfer usually goes thorough without a hitch.

Online banking: The login process to your bank account itself is a highly secure process. In most cases, it is not sufficient just to enter a user name and password. An extra level of security – for example SMS authentication – is in place to ensure that just the owner is manipulating with his or her account.


These two simple examples show the differences between the security of the offline and online world. But of course, there are many more.

Today’s “fear” of users regarding online data misuse is often driven by not knowing all the different bits and pieces . On one hand, I understand the concern; on the other hand, we must consider how uncertain and insecure our old ” offline ” processes are. Why not to take advantage of the possibilities new technologies bring and make our lives easier?


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