{"id":644,"date":"2025-01-12T00:00:00","date_gmt":"2025-01-12T00:00:00","guid":{"rendered":"http:\/\/idlayr-com.stackstaging.com\/2023\/04\/12\/device-binding-prevent-fraud\/"},"modified":"2025-04-26T14:56:38","modified_gmt":"2025-04-26T14:56:38","slug":"dispositivo-vinculante-contra-el-fraude","status":"publish","type":"post","link":"https:\/\/idlayr.com\/es\/blog\/dispositivo-vinculante-contra-el-fraude\/","title":{"rendered":"\u00bfC\u00f3mo evita el phishing y el fraude la vinculaci\u00f3n de dispositivos basada en SIM?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Cuando los ciberdelincuentes hacen \"phishing\", env\u00edan correos electr\u00f3nicos fraudulentos cuyo objetivo es enga\u00f1ar al destinatario para que haga clic en un enlace malicioso, con el fin de robar sus datos personales.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u200d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">El \"smishing\" (phishing por SMS) es muy parecido, pero utiliza mensajes de texto en lugar de correo electr\u00f3nico, aprovechando la frecuencia con la que recibimos enlaces leg\u00edtimos y c\u00f3digos OTP (contrase\u00f1as de un solo uso) a trav\u00e9s de SMS.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u200d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cualquier empresa propensa a sufrir ciberataques contra sus clientes o empleados -especialmente las que se dedican a los pagos, como los bancos, las empresas financieras y el comercio electr\u00f3nico- ya puede implantar la autenticaci\u00f3n robusta de usuarios con la vinculaci\u00f3n de dispositivos.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u200d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Utilizando la seguridad criptogr\u00e1fica integrada en una tarjeta SIM, IDlayr permite comprobar de forma r\u00e1pida y silenciosa que el dispositivo m\u00f3vil que se est\u00e1 utilizando tiene la tarjeta SIM introducida, con el n\u00famero de m\u00f3vil asociado para ese usuario, y confirmar que coinciden sin necesidad de que el usuario lo introduzca.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u200d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Uso de la autenticaci\u00f3n SIM para <a href=\"https:\/\/idlayr.com\/es\/casos-practicos\/encuadernacion-de-dispositivos\/\">encuadernaci\u00f3n de dispositivos m\u00f3viles<\/a> es muy seguro, muy f\u00e1cil para el usuario y no utiliza c\u00f3digos PIN vulnerables enviados por correo electr\u00f3nico o SMS.<\/span><\/p>\n<p><b>\u200d<\/b><\/p>\n<h3>Los c\u00f3digos PIN enviados por SMS pueden causar problemas<\/h3>\n<p><span style=\"font-weight: 400;\">Hist\u00f3ricamente, los c\u00f3digos PIN enviados por SMS (tambi\u00e9n conocidos como OTP, o contrase\u00f1as de un solo uso) se han utilizado para verificar un n\u00famero de m\u00f3vil.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u200d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pero ahora se reconoce que este enfoque es inseguro, porque los c\u00f3digos PIN son vulnerables a varios tipos diferentes de ataques fraudulentos:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ul>\n<li aria-level=\"1\">Ataques MITM ('man-in-the-middle'): Los delincuentes utilizan m\u00e9todos de ingenier\u00eda social para enga\u00f1ar a los usuarios para que reenv\u00eden un c\u00f3digo al atacante o lo introduzcan en un formulario web fraudulento.<\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/idlayr.com\/es\/blog\/que-es-el-sim-swap-evitar-la-absorcion-de-cuentas\/\"><b>Fraude en el intercambio de SIM<\/b><\/a><span style=\"font-weight: 400;\">: Los delincuentes pueden convencer fraudulentamente a una red de telefon\u00eda m\u00f3vil para que asigne el n\u00famero de m\u00f3vil de la v\u00edctima a una nueva tarjeta SIM, lo que les permite robar directamente los c\u00f3digos entrantes.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Adem\u00e1s de ser inseguros, los c\u00f3digos PIN enviados por SMS plantean problemas de atenci\u00f3n al cliente:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Problemas de entrega de SMS: A menudo, los mensajes SMS llegan tarde, o no llegan en absoluto, lo que obliga a los clientes a solicitar un reenv\u00edo. Esto puede crear confusi\u00f3n cuando los mensajes llegan fuera de secuencia.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dificultades para el usuario: Tener que recuperar y volver a escribir los c\u00f3digos PIN puede dar lugar a errores y confusi\u00f3n, y a menudo proporciona una experiencia de usuario frustrante, con el cliente obligado a cerrar la app y buscar en otra bandeja de entrada.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Por estas razones, muchos reguladores recomiendan ahora investigar y aplicar <a href=\"https:\/\/idlayr.com\/es\/casos-practicos\/eliminar-sms-otp\/\">alternativas a SMS OTP<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-1782 size-full\" src=\"https:\/\/idlayr.com\/wp-content\/uploads\/2024\/04\/idlayr-blog-user-sofa.jpg\" alt=\"usuario de banca m\u00f3vil\" width=\"1024\" height=\"553\" srcset=\"https:\/\/idlayr.com\/wp-content\/uploads\/2024\/04\/idlayr-blog-user-sofa.jpg 1024w, https:\/\/idlayr.com\/wp-content\/uploads\/2024\/04\/idlayr-blog-user-sofa-300x162.jpg 300w, https:\/\/idlayr.com\/wp-content\/uploads\/2024\/04\/idlayr-blog-user-sofa-768x415.jpg 768w, https:\/\/idlayr.com\/wp-content\/uploads\/2024\/04\/idlayr-blog-user-sofa-18x10.jpg 18w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p style=\"text-align: center;\"><small>Los reguladores mundiales esperan ahora una mayor seguridad para detectar los intentos de phishing<\/small><\/p>\n<p>&nbsp;<\/p>\n<h3>Los reguladores mundiales esperan mejorar la seguridad de las fintech<\/h3>\n<p id=\"\">Normativas como la brit\u00e1nica <a href=\"https:\/\/www.fca.org.uk\/firms\/strong-customer-authentication\" target=\"_blank\" rel=\"noopener\">Autenticaci\u00f3n fuerte de clientes (SCA)<\/a> y la PSD2 de la UE, obligan a que, a la hora de autorizar y procesar operaciones de pago, las apps utilicen al menos un m\u00e9todo de autenticaci\u00f3n adicional para validar la acci\u00f3n del usuario.<\/p>\n<p id=\"\">\u200d<\/p>\n<p id=\"\">La vinculaci\u00f3n de dispositivos, que vincula la cuenta de un usuario a un dispositivo espec\u00edfico, es una parte clave de la autenticaci\u00f3n fuerte de clientes (SCA) mediante autenticaci\u00f3n multifactor (MFA) bajo <a href=\"https:\/\/www.ecb.europa.eu\/press\/intro\/mip-online\/2018\/html\/1803_revisedpsd.en.html\" target=\"_blank\" rel=\"noopener\">Normativa PSD2<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<p id=\"\">Las directrices tambi\u00e9n recomiendan <a href=\"https:\/\/idlayr.com\/es\/casos-practicos\/eliminar-sms-otp\/\">alternativas m\u00e1s s\u00f3lidas a las OTP por SMS<\/a>que han demostrado ser vulnerables al fraude de cuentas, y que el m\u00e9todo de autenticaci\u00f3n multifactorial (AMF) debe ser \"generalmente din\u00e1mico o no replicable\", como la \"vinculaci\u00f3n de dispositivos y SIM\"\u200d.<\/p>\n<p id=\"\">\u200d<\/p>\n<h3>Autenticaci\u00f3n basada en SIM: segura, conforme y m\u00e1s f\u00e1cil para los clientes<\/h3>\n<p id=\"\">La autenticaci\u00f3n basada en SIM utiliza la seguridad criptogr\u00e1fica existente en una tarjeta SIM para autenticar el n\u00famero de m\u00f3vil del dispositivo utilizado y vincularlo a la cuenta del cliente.<\/p>\n<p id=\"\">\u200d<\/p>\n<p id=\"\">Como este m\u00e9todo no utiliza c\u00f3digos PIN SMS, no es vulnerable a los ataques de intermediario, la ingenier\u00eda social o el fraude por intercambio de SIM. Tambi\u00e9n facilita la vida al cliente, ya que es una experiencia invisible y sin fisuras.<\/p>\n<p id=\"\">\u200d<\/p>\n<p id=\"\">La autenticaci\u00f3n funciona mediante una conexi\u00f3n segura y encriptada entre el dispositivo m\u00f3vil y el operador de la red m\u00f3vil, que a continuaci\u00f3n verifica el n\u00famero de m\u00f3vil asociado.<\/p>\n<p id=\"\">\u200d<\/p>\n<p id=\"\">Una vez verificado, el n\u00famero de tel\u00e9fono m\u00f3vil puede compararse con el dispositivo registrado previamente en la cuenta bancaria de ese usuario. Si hay coincidencia, se puede proceder a la transacci\u00f3n.<\/p>\n<p id=\"\">\u200d<\/p>\n<p id=\"\">Todo el proceso es sencillo para el cliente, pero muy seguro, ya que no requiere ninguna intervenci\u00f3n por su parte (aparte de teclear su n\u00famero de m\u00f3vil), lo que no deja margen a agentes malintencionados.<\/p>\n<p id=\"\">\u200d<\/p>\n<p id=\"\">\u200d<\/p>\n<h3>Se basa en la misma tecnolog\u00eda sencilla y segura que se utiliza en las tarjetas bancarias.<\/h3>\n<p id=\"\">Dentro de cada tarjeta SIM se encuentra la misma tecnolog\u00eda de autenticaci\u00f3n criptogr\u00e1ficamente segura y a prueba de manipulaciones que existe dentro de cada tarjeta bancaria.<\/p>\n<p id=\"\">\u200d<\/p>\n<p id=\"\">Cuando se utiliza en un tel\u00e9fono m\u00f3vil, tiene un identificador \u00fanico: el Identificador Internacional de Abonado M\u00f3vil, o IMSI.<\/p>\n<p id=\"\">\u200d<\/p>\n<p id=\"\">El emparejamiento de esta IMSI con un n\u00famero de tel\u00e9fono m\u00f3vil crea una combinaci\u00f3n \u00fanica que, utilizando la s\u00f3lida seguridad criptogr\u00e1fica de la tarjeta SIM, garantiza una vinculaci\u00f3n activa del dispositivo m\u00f3vil que realiza la transacci\u00f3n con el cliente y su cuenta bancaria.<\/p>\n<p id=\"\">\u200d<\/p>\n<p id=\"\">Este enfoque de la vinculaci\u00f3n de dispositivos basado en la SIM aprovecha la avanzada tecnolog\u00eda de seguridad integrada en todas las tarjetas SIM y evita los inconvenientes de los enfoques alternativos:<\/p>\n<p id=\"\">\u200d<\/p>\n<ul id=\"\">\n<li id=\"\">Sin c\u00f3digo PIN: Sin c\u00f3digos de acceso que puedan ser interceptados, los ataques man-in-the-middle son imposibles.<\/li>\n<li id=\"\">A prueba de manipulaciones: las claves criptogr\u00e1ficas se guardan en un almacenamiento de estado s\u00f3lido dentro de la tarjeta SIM.<\/li>\n<li id=\"\">Basada en hardware: La seguridad de la SIM es inmune a los ataques contra el tel\u00e9fono m\u00f3vil f\u00edsico, el sistema operativo y las aplicaciones.<\/li>\n<li id=\"\">Efectivamente, no clonables: Las tarjetas SIM modernas incorporan algoritmos criptogr\u00e1ficos avanzados que restringen el acceso a los datos secretos almacenados e impiden la clonaci\u00f3n de la tarjeta.<\/li>\n<\/ul>\n<p id=\"\">\u200d<\/p>\n<h3>C\u00f3mo empezar<\/h3>\n<p id=\"\"><span style=\"font-weight: 400;\">IDlayr est\u00e1 reinventando la identidad en l\u00ednea para la era m\u00f3vil, ayudando a bancos y grandes empresas a reducir el fraude y los costes operativos y a mejorar la experiencia del usuario. IDlayr le permite utilizar su n\u00famero de m\u00f3vil, en lugar del correo electr\u00f3nico, para demostrar su identidad en l\u00ednea; porque una identidad m\u00f3vil es m\u00e1s segura, m\u00e1s f\u00e1cil de usar y siempre est\u00e1 con usted. <\/span><\/p>\n<p id=\"\">\u200d<\/p>\n<p id=\"\"><a id=\"\" href=\"https:\/\/idlayr.com\/es\/libro-demo\/\"><strong id=\"\">Reserve una demostraci\u00f3n hoy mismo<\/strong><\/a> para ver c\u00f3mo IDlayr puede ayudar a su empresa.<\/p>","protected":false},"excerpt":{"rendered":"<p>La vinculaci\u00f3n de dispositivos es esencial para que proveedores de pagos como bancos, FinTechs y criptocarteras eviten el fraude. Descubre c\u00f3mo la seguridad SIM te lo pone f\u00e1cil.<\/p>","protected":false},"author":7,"featured_media":1781,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,59],"tags":[],"class_list":["post-644","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-authentication","category-fraud"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How does SIM-based device binding prevent phishing and fraud?<\/title>\n<meta name=\"description\" content=\"Payment providers such as banks and FinTechs can now implement strong user authentication with device binding to prevent phishing and fraud.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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provides Silent Network Authentication (SNA) to replace SMS OTP for banks, payment platforms, and consumer apps.\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/idlayr.com\\\/#\\\/schema\\\/person\\\/bf8bc06a4ca77bc754b64d40ff87c7ea\",\"name\":\"Paul McGuire\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/691111572efb10bfb3ab32f04f8c6f6e0c0fa3346e5c0feb06c80a99f5352203?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/691111572efb10bfb3ab32f04f8c6f6e0c0fa3346e5c0feb06c80a99f5352203?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/691111572efb10bfb3ab32f04f8c6f6e0c0fa3346e5c0feb06c80a99f5352203?s=96&d=mm&r=g\",\"caption\":\"Paul McGuire\"},\"description\":\"Paul McGuire is CEO of IDlayr. 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