| Safe,
Secure, and Effective |
| Customers
of our online bank should review our Customer
Security page for information on how to protect their
home and business computer from malicious users. |
| State
of the Art Industry Security
|
| Park
Ridge Community Bank uses industry-standard technology,
including password-controlled entry, Secure Socket layer
(SSL) protocol, data encryption, public-private key pair,
firewalls, and filtering routers. Each security component
acts as a layer of protection to safeguard sensitive data
from unauthorized users. |
| Password-Controlled
Access |
| Our
Internet banking system requires customer identification
through a private account number and password before you
are able to get into the front end system. You should
keep this password and account number private. |
| Transmission
Security: Encryption |
| Once
you have logged on correctly, you will enter a secure
environment in which you can conduct your transactions.
The browser automatically secures the session using Secure
Sockets Layer (SSL) protocol. With SSL, data that travels
between the bank and customer is encrypted and can only
be decrypted with what is called the public and private
key pair. As Netscape the developers of the technology,
put it, "Data that is encrypted with the public key
can be decrypted only with the private key. Conversely,
data encrypted with the private key can be decrypted only
with the public key. This asymmetry is the property that
makes public key cryptography so useful." |
| Information
Privacy: Firewalls and Filtering Routers |
| Finally,
once requests arrive at the bank, the server is protected
by a series of firewalls and filtering routers which verify
the source and destination of the requests traveling in
information packets. The firewall is set up to reject
any unauthorized traffic. This reemphasizes the importance
of the password, which is the only legitimate entry into
the program. This system uses a secure access firewall
which "opens holes when necessary and closes them
back down as soon as useful work is completed." The
purpose of the router is to keep out traffic that does
not emanate from one of the only two legitimate ends of
a secured transaction: the customer or the bank. |
| What
You can do to Help |
| All
the security that the bank employs will be rendered ineffective
if you don't keep your entry into the system secure. You
should use all of the standard common sense measures to
keep your home and computer secure as you would do for
your other valuable belongings: Don't tell anyone your
password, choose a password that is difficult to guess,
change your password regularly (every three months), keep
access to your home computer secure. Doing these things
will help ensure that your computer and your access to
our Internet bank are safe and secure for years to come. |
