User Id is a unique identification number which enables the Internet banking system to recognize you as an Internet banking customer and enable you to do internet banking activities on internet. It will be unique in the sense that no two or more customers will have the same user Id
Password There are generally two passwords for Internet Banking
Spyware is a general term used to describe malicious software that is used for advertising, collecting personal information or changing your computer configuration without your consent.
Adware is software that displays advertisements such as pop-up windows or hotlinks on Web pages without the consent of the user, that are not part of a page's code.Adware may add links to your favorites and your desktop.
Malware is software that damages that system, causes instability or exhibits antisocial behavior such as changing settings or interfering with a computer's registry and security settings. Typical examples include computer viruses or worms.
Trojan is software which appears to perform a certain action but in fact it performs another such as a virus which may or may not be malicious for you.
Phishing is a deception technique through which your personal sensitive information like passwords, accounts information etc are stolen by someone else for their personal benefits, it is commonly performed through e-mails or pop-up window messages.
Spoofing is e-mail sent from someone pretending to be someone else is known as spoofing. It may take place in many ways but generally original sender's name and original address are concealed and masked from the recipient.
Virus is the malicious software that is intended to spread from one computer to another and to interfere with computer operation. A virus might corrupt or delete data on your computer, use your e-mail program to spread itself to other computers, or even erase everything on your hard disk. Viruses are most easily spread by attachments in e-mail messages or instant messaging messages.
Worm is a self-replicating computer program that uses a network to send copies of it to other nodes and it may do so without any user intervention.
E-mail fraud is generally done by sending you mail with a link that looks identical to a genuine mail but on clicking you may end up in losing your sensitive personal information like passwords, account details to people who may harm you.
Masquerade is a disguise, in terms of communications security issues, a masquerade is a type of attack where the attacker pretends to be an authorized user of a system in order to gain access to it or to gain greater privileges than they are authorized for.
Firewall is an electronic fence to your computer that helps protect your computer from hackers who might try to delete information, crash your computer, or even steal your passwords or other account information. Make sure your firewall is always turned on.
Antivirus software is used to protect your computer against virus attack and other malicious software that may harm your computer, you need to keep it regularly updated.
Anti-Spyware software is used to protect your computer against Spyware attack; you need to keep it regularly updated.
Anti-Phishing software is used to protect your computer from phishing attacks that may be intended to extract your sensitive personal information like passwords, account details etc.