{"id":24013,"date":"2022-11-18T08:00:49","date_gmt":"2022-11-18T08:00:49","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=24013"},"modified":"2022-11-18T08:00:49","modified_gmt":"2022-11-18T08:00:49","slug":"elektronik-bankacilik-hizmetlerinde-kimlik-dogrulama-ve-islem-guvenligine-iliskin-genelge-taslagi-goruse-acildi","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2022\/11\/18\/elektronik-bankacilik-hizmetlerinde-kimlik-dogrulama-ve-islem-guvenligine-iliskin-genelge-taslagi-goruse-acildi\/","title":{"rendered":"Elektronik Bankac\u0131l\u0131k Hizmetlerinde Kimlik Do\u011frulama ve \u0130\u015flem G\u00fcvenli\u011fine \u0130li\u015fkin Genelge Tasla\u011f\u0131 G\u00f6r\u00fc\u015fe A\u00e7\u0131ld\u0131"},"content":{"rendered":"<h3><strong>Yeni Geli\u015fmeler<\/strong><\/h3>\n<p>Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (&#8220;<strong>BDDK<\/strong>&#8220;) elektronik bankac\u0131l\u0131k hizmetlerinde ve elektronik ortamda s\u00f6zle\u015fme ili\u015fkisinin kurulmas\u0131nda kimlik do\u011frulama ve i\u015flem g\u00fcvenli\u011fi ile ilgili olarak farkl\u0131 y\u00f6netmeliklerdeki h\u00fck\u00fcmlerin yeknesak bir \u015fekilde nas\u0131l uygulanaca\u011f\u0131n\u0131 a\u00e7\u0131kl\u0131\u011fa kavu\u015fturmak i\u00e7in haz\u0131rlad\u0131\u011f\u0131 2022\/2 say\u0131l\u0131 Elektronik Bankac\u0131l\u0131k Hizmetlerinde ve Elektronik Ortamda S\u00f6zle\u015fme \u0130li\u015fkisinin Kurulmas\u0131nda Kimlik Do\u011frulama ve \u0130\u015flem G\u00fcvenli\u011fi i\u00e7in Sa\u011flanmas\u0131 Gereken Kriterler Hakk\u0131nda Genelge Tasla\u011f\u0131&#8217;n\u0131 (&#8220;<strong>Taslak Genelge<\/strong>&#8220;) g\u00f6r\u00fc\u015fe a\u00e7t\u0131. Taslak Genelge hakk\u0131nda g\u00f6r\u00fc\u015fler <a href=\"mailto:bsmevzuat@bddk.org.tr\">bsmevzuat@bddk.org.tr<\/a>\u00a0adresine e-posta ile iletilebilecek.<\/p>\n<p>Taslak Genelge&#8217;ye <a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=NTN0eGVmQXhqcmt4QklhcnMxOEpCbWtDV1R5ci8yMjVGa2QyNTZZdEFHZ1lCQ1FRaWQ5TW5KcDdqMTdVemlYZ2hsUFZJamY4dDVXcmd3R2JzL3lhSjdqL0YvOFFJdGh1Ujl4SXZvQ3RtNkk9&amp;rh=ff009e2b6387efab1fb1076cb0499d4547628045__;!!Hj9Y_P0nvg!Q_cHArbIry7cSS_PQHqPlTEMysiry_tu6gldGIN_fXnB5kyi86dHlpjvr2adPpTvFUYSmWjklR1ynHEI32UOVCU_$\">buraya<\/a> t\u0131klayarak ula\u015fabilirsiniz.<\/p>\n<h3><strong>Taslak ne getiriyor?<\/strong><\/h3>\n<p>Taslak Genelge ile a\u015fa\u011f\u0131da yer alan konu ba\u015fl\u0131klar\u0131 \u00f6zelinde Bankalar\u0131n Bilgi Sistemleri ve Elektronik Bankac\u0131l\u0131k Hizmetleri Hakk\u0131nda Y\u00f6netmelik (&#8220;<strong>BSEBY<\/strong>&#8220;), Uzaktan Kimlik Tespiti Y\u00f6ntemlerine ve Elektronik Ortamda S\u00f6zle\u015fme \u0130li\u015fkisinin Kurulmas\u0131na \u0130li\u015fkin Y\u00f6netmelik (&#8220;<strong>UKTY<\/strong>&#8220;) ve Dijital Bankalar\u0131n Faaliyet Esaslar\u0131 ile Servis Modeli Bankac\u0131l\u0131\u011f\u0131 Hakk\u0131nda Y\u00f6netmelik&#8217;in (&#8220;<strong>DBY<\/strong>&#8220;) uygulamas\u0131na ili\u015fkin hususlara a\u00e7\u0131kl\u0131k getiriliyor.<\/p>\n<ul>\n<li>M\u00fc\u015fteriye \u00f6zg\u00fc \u015fifreleme gizli anahtar\u0131n\u0131n kullan\u0131lmas\u0131 ve i\u015flem imzalama<\/li>\n<\/ul>\n<p>\u0130nternet bankac\u0131l\u0131\u011f\u0131 ve bunun \u00f6zelle\u015fmi\u015f bir hali olan mobil bankac\u0131l\u0131k i\u015flemleri bak\u0131m\u0131ndan m\u00fc\u015fteriye atanm\u0131\u015f ve \u00f6zg\u00fclenmi\u015f bir \u015fifreleme gizli anahtar\u0131n\u0131n kullan\u0131m alanlar\u0131 olan kimlik do\u011frulama ve yetkilendirme (i\u015flem do\u011frulama) i\u00e7in &#8220;do\u011frulama kodu&#8221; \u00fcretilmesi ve bunun m\u00fc\u015fteriye \u00f6zg\u00fc gizli \u015fifreleme anahtar\u0131 ile imzalanmas\u0131 gerekti\u011fi vurgulan\u0131yor.<\/p>\n<p>\u015eifreleme gizli anahtar\u0131n\u0131n i\u00e7erik imzalama \u00f6ncesi aktifle\u015ftirilmesi i\u00e7in kullan\u0131lacak &#8220;PIN&#8221; gibi &#8220;m\u00fc\u015fterinin bildi\u011fi unsurun&#8221; mobil uygulaman\u0131n y\u00fckl\u00fc oldu\u011fu cihaz \u00fczerinde lokalde de\u011fil, banka nezdinde \u00e7evrimi\u00e7i do\u011frulanmas\u0131 gerekecek.<\/p>\n<p>Ayr\u0131ca, mobil bankac\u0131l\u0131k uygulamas\u0131n\u0131n ilk kurulumu, aktifle\u015ftirilmesi, yeniden aktifle\u015ftirilmesi ya da uygulaman\u0131n kullan\u0131lamaz olmas\u0131 durumlar\u0131 hari\u00e7 tutulmak kayd\u0131yla, mobil bankac\u0131l\u0131k uygulamas\u0131n\u0131 y\u00fckleyip aktifle\u015ftiren m\u00fc\u015fterilere, oturum a\u00e7ma ve devam\u0131ndaki i\u015flemlerin do\u011frulanmas\u0131 i\u00e7in SMS ile tek seferlik \u015fifre (one-time password, OTP) ya da &#8220;do\u011frulama kodu&#8221; g\u00f6nderilemeyece\u011fi vurgulan\u0131yor.<\/p>\n<ul>\n<li>M\u00fc\u015fteri onay\u0131na sunulan bilgilere g\u00f6re i\u015flem imzalaman\u0131n\/onay\u0131n\u0131n ger\u00e7ekle\u015ftirilmesinin sa\u011flanmas\u0131<\/li>\n<\/ul>\n<p>Taslak Genelge&#8217;de kimlik veya i\u015flem do\u011frulama ve elektronik yolla yaz\u0131l\u0131 \u015feklin yerine ge\u00e7ecek nitelikte bir s\u00f6zle\u015fme ili\u015fkisi kurulabilmesi i\u00e7in m\u00fc\u015fteriye \u00f6zg\u00fc \u015fifreleme gizli anahtar\u0131 ile do\u011frulama kodlar\u0131n\u0131n imzalanmas\u0131n\u0131n tek ba\u015f\u0131na yeterli olmad\u0131\u011f\u0131 belirtiliyor.<\/p>\n<p>Bu do\u011frultuda, \u015fifreleme gizli anahtar\u0131n\u0131n g\u00fcvenli bir \u015fekilde m\u00fc\u015fteriye atanmas\u0131, yetkisiz ki\u015filerde kullan\u0131lmas\u0131n\u0131 engelleyecek \u00f6nlemler al\u0131nmas\u0131 ve m\u00fc\u015fteri onay\u0131na hangi bilgiler sunulmu\u015f ise o bilgilere g\u00f6re i\u015flem imzalaman\u0131n\/onay\u0131n\u0131n ger\u00e7ekle\u015ftirilmesi sayesinde bu i\u015flemlerin inkar edilemezli\u011finin ve sorumluluk ataman\u0131n m\u00fcmk\u00fcn k\u0131l\u0131nmas\u0131 gerekti\u011fi vurgulan\u0131yor. Taslak Genelge, bu kapsamda uyulmas\u0131 gereken metodolojiyi detayl\u0131 bir \u015fekilde a\u00e7\u0131kl\u0131yor.<\/p>\n<ul>\n<li>Aray\u00fcz sa\u011flay\u0131c\u0131n\u0131n mobil uygulamas\u0131 ya da internet taray\u0131c\u0131s\u0131 temelli aray\u00fcz\u00fcn\u00fcn, kimlik do\u011frulama ve i\u015flem g\u00fcvenli\u011fi y\u00fck\u00fcml\u00fcl\u00fcklerine uygun olmas\u0131n\u0131n sa\u011flanmas\u0131<\/li>\n<\/ul>\n<p>DBY ve BSEBY ile, aray\u00fcz faaliyetinde bulunacaklar\u0131n mobil uygulamas\u0131 ya da internet taray\u0131c\u0131s\u0131 temelli aray\u00fcz\u00fcn\u00fcn yukar\u0131da belirtilen kimlik do\u011frulama ve i\u015flem g\u00fcvenli\u011fine ili\u015fkin y\u00fck\u00fcml\u00fcl\u00fckler ile i\u015flem imzalaman\u0131n\/onay\u0131n\u0131n m\u00fc\u015fteri onay\u0131na sunulan bilgiler do\u011frultusunda ger\u00e7ekle\u015ftirilmesinden aray\u00fcz sa\u011flay\u0131c\u0131 ve servis bankas\u0131n\u0131n m\u00fcteselsilen sorumlu oldu\u011fu d\u00fczenleniyor. Bu kapsamda, Taslak Genelge&#8217;de, aray\u00fcz sa\u011flay\u0131c\u0131lar\u0131n faaliyetlerini Genelge&#8217;de a\u00e7\u0131klanan metodolojiye uygun \u015fekilde y\u00fcr\u00fctmesi gerekti\u011fi belirtiliyor.<\/p>\n<ul>\n<li>Kimlik do\u011frulama ve i\u015flem imzalama amac\u0131yla kullan\u0131lan, geli\u015ftirilen ve sat\u0131n al\u0131nan \u00fcr\u00fcnlerin Taslak Genelge&#8217;ye intibak\u0131<\/li>\n<\/ul>\n<p>Taslak Genelge&#8217;de kimlik do\u011frulama ve i\u015flem imzalama amac\u0131yla kullan\u0131lan kurum i\u00e7i geli\u015ftirilen ya da sat\u0131n al\u0131nan \u00fcr\u00fcnlerin Taslak Genelge&#8217;ye uygunlu\u011funun BDDK&#8217;n\u0131n Bilgi Sistemleri ve \u0130\u015f S\u00fcre\u00e7leri Ba\u011f\u0131ms\u0131z Denetimi Hakk\u0131nda Y\u00f6netmelik kapsam\u0131nda ger\u00e7ekle\u015ftirilecek bilgi sistemleri denetimi uyar\u0131nca de\u011ferlendirilece\u011fi a\u00e7\u0131klan\u0131yor.<\/p>\n<p>Ek olarak, Taslak Genelge ile s\u00f6z konusu \u00fcr\u00fcnleri satan ya da d\u0131\u015f hizmet sa\u011flayan kurulu\u015flara kimlik do\u011frulama ve i\u015flem imzalama kapsam\u0131nda bankalara, BDDK g\u00f6zetimi ve denetimi alt\u0131ndaki di\u011fer kurulu\u015flara ve aray\u00fcz sa\u011flay\u0131c\u0131lara \u00fcr\u00fcn ve hizmet sunabilmek i\u00e7in BDDK&#8217;ya ba\u015fvurarak izin alma y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc getiriliyor.<\/p>\n<h3><strong>Sonu\u00e7<\/strong><\/h3>\n<p>Taslak Genelge ile BDDK&#8217;n\u0131n kimlik do\u011frulama ve i\u015flem imzalamaya y\u00f6nelik d\u00fczenlemeler i\u00e7eren \u00e7e\u015fitli y\u00f6netmeliklerinin uygulamas\u0131na dair teredd\u00fctlerin giderilmesi ve b\u00fct\u00fcnc\u00fcl bir yakla\u015f\u0131m sa\u011flanmas\u0131 ama\u00e7lan\u0131yor. \u0130lgililer, Taslak Genelge hakk\u0131nda g\u00f6r\u00fc\u015flerini <a href=\"mailto:bsmevzuat@bddk.org.tr\">bsmevzuat@bddk.org.tr<\/a>\u00a0adresine e-posta ile iletebilecek.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fmeler Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (&#8220;BDDK&#8220;) elektronik bankac\u0131l\u0131k hizmetlerinde ve elektronik ortamda s\u00f6zle\u015fme ili\u015fkisinin kurulmas\u0131nda kimlik do\u011frulama ve [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_stopmodifiedupdate":false,"_modified_date":"","footnotes":""},"categories":[120],"tags":[160],"class_list":["post-24013","post","type-post","status-publish","format-standard","hentry","category-legal-alerts","tag-finansal-teknolojiler-fintek"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Elektronik Bankac\u0131l\u0131k Hizmetlerinde Kimlik Do\u011frulama ve \u0130\u015flem G\u00fcvenli\u011fine \u0130li\u015fkin Genelge Tasla\u011f\u0131 G\u00f6r\u00fc\u015fe A\u00e7\u0131ld\u0131<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fmeler Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (&quot;BDDK&quot;) elektronik bankac\u0131l\u0131k hizmetlerinde ve elektronik ortamda s\u00f6zle\u015fme ili\u015fkisinin\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.esin.av.tr\/tr\/2022\/11\/18\/elektronik-bankacilik-hizmetlerinde-kimlik-dogrulama-ve-islem-guvenligine-iliskin-genelge-taslagi-goruse-acildi\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Elektronik Bankac\u0131l\u0131k Hizmetlerinde Kimlik Do\u011frulama ve \u0130\u015flem G\u00fcvenli\u011fine \u0130li\u015fkin Genelge Tasla\u011f\u0131 G\u00f6r\u00fc\u015fe 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