Anti-virus software
Anti-virus software will detect and delete viruses that attempt to get on to your computer. Anti-virus software is only as effective as the last update so you should download the latest anti-virus software and signatures regularly from your preferred supplier. Popular anti-virus software such as ZoneAlarm Internet Security Suite from Zone Labs, McAfee Virus Scan, Norton AntiVirus, or Sophos Anti-Virus can help to protect your computer from the latest viruses.
Find out about the special security software discount offer from Zone Labs.
Lloyds TSB BankSecure
Lloyds TSB has introduced a new programme of security initiatives called BankSecure. Over the next few months, you’ll see a number of initiatives that we’ll put in place to make sure you stay secure and to help you protect your Internet banking information.
Cookie
A cookie is information that a web site places on your hard disk so that it can remember something about you at a later time. Typically, a cookie records your preferences when using a particular site. Most browsers automatically accept cookies. You can set your browser options so that you will not receive cookies and you can also delete existing cookies from your browser. However, you may find that some parts of the website will not function properly if you refuse cookies.
Encryption
Encryption is the conversion of data into a coded form that cannot be understood by unauthorised people. Decryption is the process of converting coded data back into its original form, so it can be understood by an authorised person or company.
Firewall
A firewall is a piece of software or hardware that provides a barrier between your computer and the Internet. A firewall will prevent intruders or ‘hackers’ from gaining access to your computer and should be updated regularly. Popular personal firewall software such as ZoneAlarm Internet Security Suite from Zone Labs, McAfee Internet Security Suite, or Norton Internet Security can help to protect your computer.
Find out about the special security software discount offer offer from Zone Labs.
Get Safe Online
We’ve joined forces with the UK government, the National Hi-Tech Crime Unit and other leading businesses to create a comprehensive resource for independent expert security advice. The Get Safe Online website contains nearly 100 articles, including advice for small business owners and actions parents can take to ensure safe use of the internet.
Hacker
A hacker is a person who uses a computer to break into other computer systems in order to steal, change or destroy information. To protect yourself from hackers you should install firewall software on your computer and keep it up-to-date. Popular Personal Firewall Software such as ZoneAlarm Internet Security Suite from Zone Labs, McAfee Internet Security Suite, or Norton Internet Security can help to protect your computer.
Identity theft
Identity theft is when someone else steals your personal information without your knowledge. They may then use your details to commit fraud. For more information on Identity theft and financial crime please read our document called 'Financial crime and how it affects you' *.
Keylogger program
A keylogger program is a virus that can record the keys pressed on your keyboard while you are using your computer. Popular anti-virus software such as ZoneAlarm Internet Security Suite from Zone Labs, McAfee Internet Security Suite, or Norton Internet Security can help protect your computer from the latest keylogging programs.
Online Banking Guarantee
We protect you against fraud on Lloyds TSB Internet banking. We use industry-standard levels of security. Of course, you must be careful, for example, take reasonable steps to keep your security information secret at all times. If you do, we will refund your money in the unlikely event of fraud.
‘Patches’ or security updates
‘Patches’, or security updates, are software updates issued by software manufacturers when security vulnerabilities are found in their software. Patches are designed to fix vulnerabilities and you can download them via the Internet. It’s recommended that you keep your computer safe by regularly applying any security patches.
Pharming
In contrast to ‘Phishing’ which is when fraudsters lure people to their websites using scam emails, ‘Pharming’ is when a fraudster, or a ‘Pharmer’ in this case, creates false websites in the hope that people will visit their websites by mistake. People can sometimes visit false websites through mistyping a website address, or occasionally a fraudster will try to attack a website and redirect its internet traffic to their own websites. The ‘Pharmer’ will then try to obtain your personal details when you enter them into a false website. The websites can look very realistic, but there will be subtle differences between them and the real thing. Always make sure to check whether a website is secure.
Phishing
Phishing scams are emails that may appear to be real, but they ask you to enter personal information or they have links to websites that may look like the lloydstsb.com site but are in fact ‘spoof’ web sites. When you click on a link or enter your personal details, the information is sent to someone other than your bank or other service providers. You may have guessed that ‘Phishing’ is a play on the word ‘fishing’ where someone casts a line in the hope that an unsuspecting person will take the bait.
Lloyds TSB may send you emails from time to time. We will never send an email asking for your security information or log on details, or direct you to a web page that asks for this information. For a quick way to tell if an email is genuine, check for your name at the top of the email. We know who you are so we’ll always greet you personally, but fraudsters are unlikely to know your name.
If you think that a fraudster has your Internet banking details, or that someone other than you has accessed your account online, call us immediately on 0845 3000 116 (+44 20 7649 9437 from overseas).
Secure Socket Layer ('SSL')
'SSL' is a method of coding that enables private communication between a web browser and a web server. Many web sites use 'SSL' to ensure customer information, such as banking details, is kept secure. Normally you will not be aware of 'SSL' as it works automatically when you access a secure web site. You can tell if you’re accessing a secure web site by checking the address bar along the top of your screen to ensure the address begins with ‘https’. If you are using Internet Explorer, you should see an icon that looks like a closed padlock at the bottom right-hand side of your screen. This padlock indicates you are in a secure session.
Shoulder surfing
Shoulder surfing is a term used for anyone observing what you are doing on a computer or ATM. Beware of anyone standing or sitting closely behind you who may try to watch you when you enter personal details.
Site certificate
Site certificates form an essential part of providing reassurance that the site you are visiting is genuine. A site certificate shows you that a secure connection has been established and secure communication can take place. It will also demonstrate that you are not being tricked to enter your details on a fraudulent website.
Spam
Spam is unsolicited and unwanted email.
'Spoof' websites
'Spoof' websites are fraudulent websites designed to look like legitimate ones. Email or ‘phishing’ scams asking people to update their details will often contain links to ‘spoof’ websites. If people enter their personal or security details on a fraudulent website, fraudsters can then use these details to access that person’s accounts.
While we may email you from time to time, we will never send you emails with attachments, or ask you for your Internet banking information or direct you to log on to Internet banking.
If you receive an email from an unknown source, or an email that contains unknown attachments or links, do not open the attachments or click on the links. Instead, delete all suspicious emails. Popular anti-virus software such as Zone Labs’ ZoneAlarm Internet Security Suite, McAfee Virus Scan, Norton AntiVirus, or Sophos Anti-Virus can help to protect your computer from the latest Trojans.
Virus
A virus is a computer program that can embed itself into other programs on your computer, and may cause damage to your files. Email is a common way to spread viruses, and opening an unknown email can trigger the spread of the virus onto your computer. Popular anti-virus software such as Zone Labs’ ZoneAlarm Internet Security Suite, McAfee Virus Scan, Norton AntiVirus, or Sophos Anti-Virus can help protect your computer from the latest viruses.
Find out about the special security software discount offer from Zone Labs.
Worm
A worm is a harmful programme that travels across a network of computers. It may cause damage to the computers on the network and affect computer performance. Popular anti-virus software such as Zone Labs’ ZoneAlarm Internet Security Suite, McAfee Virus Scan, Norton AntiVirus, or Sophos Anti-Virus can help protect your computer from the latest viruses.
Is it safe to use Internet banking?
Yes – Internet banking is a safe and convenient way to manage your money. There is no reason why you cannot use the Internet to bank online with confidence. We use industry-standard levels of security to protect you. If you follow our security advice, it will be a lot harder for criminals to be successful.
