Chinyengo ndi makadi banki ndi kumenyana nkhondo. Kodi mungadzitetezere ku chinyengo

Pulasitiki banki khadi ndi njira chilengedwe malipiro. Imakhala yosayima kupeza ndalama zili nkhani yanu ilili. makadi pulasitiki akhoza madebiti ndi ngongole. Nkhaniyi ikusonyeza momwe mungadzitetezere ku chinyengo.

Dziwani zambiri za makadi

khadi pulasitiki lokha lilibe ndalama iliyonse. Onsewo ndi ndalama mwiniyo. Chidutswa cha pulasitiki - zimangotanthauza kupeza ndalama.

Kumbali akunja mwa mfundo khadi mwini zikalembedwa zomwe ndi zofunika kwa banki kuzindikira ndi zochita zake kuchita ntchito anapempha. Kugwiritsa ntchito khadi osati pamaso thupi. Wokwanira mwachindunji mwatsatanetsatane.

Pakali pano, anatulukira zambiri njira kusiya olemekezeka chofukizira banki madebiti kapena ngongole ndi ndalama ayi. Written by zosiyanasiyana pulogalamu yaumbanda. Kubedwa deta ya Mwini Khadi la. Anadula maseva wa makampani ndi mabanki. Potumiza uthenga wosiyana kwa foni choncho m'chimbulimbuli nzika zigawenga mwayi wolankhula ndi nkhani, etc. Chinyengo ndi makadi banki - yabwino ndi malonda otsika chiopsezo. Ndipo ichi ndi chifukwa kugwira tizilomboto, ndi kutsimikizira mlandu wake si yapafupi. Cyber upandu masiku ano anthu ambiri pogwiritsa ntchito luso kudziwa zolinga chigawenga ndi chachikulu. Izo zimapangitsa cardholders kukhala Anagwiranso za moyo ndi choncho kukhala pa chiopsezo ku zoberana.

Njira kulumikiza mapu

Chinyengo ndi makadi banki angayambe imodzi mwa njira ziwiri.

1. kubedwa kapena onyenga makadi kugula katundu akagulitse.

2. Gwiritsani ntchito zosiyanasiyana za ndale nkhondo mwayi wolankhula kwa ATM, chifukwa mfundo ndi Pin code.

Cash Machine kapena ATM (makina kusimba (wonena) makina) lakonzedwa wosalira zambiri zoletsedwa kwa amvekere, kulandira, kusamutsa ndalama, ntchito malipiro ndi zina ntchito ndalama, popanda nawo wantchito wa bungwe ngongole. Pa nthawi yomweyo mwayi pa misonkhano nthawi iliyonse tsiku. Kuphweka, mayiko ndi malowedwe athu kwa ndalama anachita ATMs mu ankafuna ndi otchuka pakati anthu, ndipo, chotero, mwa zigawenga.

Chinyengo ndi makadi banki kumachitika mwa kuukira owononga umalimbana pa ATM. Komanso, izo zikhoza kuchitidwa ndi kukopera mfundo makadi maginito Mzere, kukhazikitsa misampha pa ngongole yomwe imatsogolera ku kutha kwa ndalama kapena nkhani si ndalama zonsezo anapempha ku ATM.

Anamwalira kapena kubedwa khadi pulasitiki m'manja mwa fraudsters akanatha kulimbana mwini kulemba ake kuchokera ndalama zonse unachitikira mu nkhaniyi. N'chimodzimodzinso ndi yabodza khadi banki, womwe wapangidwa m'dzina la munthu winawake, chifukwa cha zomwe ndalama zilipo.

Views ku khadi chinyengo

Lero, ndi zimenezi, ndi zofunika kuwerenga nzika iliyonse. Chinyengo ndi makadi pulasitiki zikuphatikizapo mitundu yosiyanasiyana ya ndale ndi chinyengo.

Chinyengo - zotsimikizira pulasitiki ndi mfundo zofanana khadi iyi mwini weniweni. tsenga Zimenezi zimathandiza kuchita ntchito iliyonse. Kupulumutsa nokha ku chinyengo, banki amakhazikitsa chitetezo kusankha mwatsatanetsatane. Development wa njira kuba ndalama makadi anapanga njira imeneyi si yosafuna. Tsopano wosavuta njira ndi kuba mfundo banki.

Yofuna - kuba njira imene fraudsters kudzera zosiyanasiyana zotumizira mauthenga (foni, imelo, etc.) imakhudzana ndi Mwini Khadi m'malo mwa gombe. Cholinga chawo ndi kupeza mwini deta chinsinsi. Phone yofuna - njira sizachilendo kuba. Popeza khadi chofukizira amalandira foni, kawirikawiri uthenga kuwadziwitsa kuti malipirowo anapangidwa kuchokera nkhaniyi, muyenera kubweza ngongoleyo khadi ali oletsedwa, etc. Kuitanidwa ikuchitika mode basi ndi mawu a pakompyuta ndi adawomba ndi mfundo mantha, popanda kutchula deta ndalama bungwe, kumene uthenga watumidwa. Pambuyo pake, kuti mumve zambiri lankhulani ndi woyendetsa. M'bukuli, amasonyeza mu mauthenga SMS ndi imelo. Pa kuitanako chiwerengero anatchula woyendetsa akuyesera kupeza zinthu zanu zachinsinsi kuti pambuyo adzalola zigawenga kulowa makadi. Chinyengo ndi zikuyenda pamwamba amalola kutengera deta ntchito chipangizo wapadera pa ATM.

Kuba mudziwe khadi kwa maseva m'masitolo online, omwe safunika kusunga malipoti a eni wawo. Koma izi nthawi zambiri osati kulemekezedwa. The fraudsters bwino ntchito.

Nthawi zina oipa ogwira ntchito ku banki okha kupereka zigawenga zambiri pa mapu. Kapena chifukwa chosasamala ogwira ntchito zambiri kukhala chuma cha anthu akuba.

Mothandizidwa ndi zida fraudsters wapadera kuthyolako khadi ndi kachidindo Pin pa ATM ntchito ndi zipangizo wapadera (yaying'ono, pamwamba kiyibodi, khadi owerenga). limati zida za mfundo ndi mapasiwedi analowa.

Ntchito ATM yabodza komanso zimathandiza kuti makadi kanthu. Katangale anapanga njira "Lebanon kuzungulira". Izi zimathandiza zigawenga kutenga pa khadi winawake. Pakuti fraudsters kuti anayikidwa mu kagawo wa chipangizo kuwerenga chidutswa cha film, zomwe si ulitsa kuchoka kutsegula pambuyo ntchito. Near nkhondo ndi kupereka kulowa Pin code, kuti pambuyo zimenezi zidzawakhudza mapu. Pambuyo zinalephereka ankafuna scammers kutsimikizira mwini kutembenukira tsiku lotsatira pa gombe, akagwirizana okhometsa ndi akatswiri, koma kanthu zidzachitika mpaka nthawi imeneyo. khadi akhoza bwinobwino kusiya. Pamene mwini masamba scammers ATM anachira Zithunzi filimu mapu. Kuchotsa onse ayi.

Bank khadi chinyengo kumachitika mwa CNP-wotuluka, i.e. ntchito anachita mu Intaneti pamaziko a mwatsatanetsatane. Mwini banki pulasitiki chake nawo.

Ntchito pa khadi kubedwa kapena anataya, zomwe zimachitika ku nthawi imeneyi pakati pa zochitika izi ndi loko pulasitiki. Komanso, anthu ambiri wakuyiwala kulemba Pin anu pa khadi yokha, pa chidutswa chirichonse cha pepala kapena mu kope a. Mu nkhani ya kuba kapena imfa thumba ndi fraudsters chikwama kukhala ogwirizira a si nkhani lonse kokha, komanso ndalama nkhani yekha.

Kupeza - njira imene kubwereza kwa Pepala kumachitika. Angagwiritsidwenso ikuchitika kusintha wokhutira. Kuti zimenezi pa osachiritsika amagetsi kapena ochepa makadi Timitengo zala pa imprinter lapansi. Izi ndi zofunika kuti athe kusintha kuchuluka kwa iwowo kapena chilengedwe cha zikalata latsopano malipiro pambuyo kusainira makasitomala kolemba.

Obwezeredwa wa kugula likuoneka mwiniwake wa ngongole kupita opanda. Kuchita izi, olanda, owononga kapena wantchito zamalonda kumene makasitomala amapanga chinthu, ali ndi ndalama kumbuyo opareshoni, amene kumawonjezera khadi bwino. The tizilomboto amagwiritsa nthumwi lilembedwe. The kampani malonda ndi kukumbukira obwezeredwa. Kasitomala amakhalabe wofiira kwambiri.

Kodi kuchita chiyani detects Zizindikiro zoyambirira za chinyengo?

Achinyengo ntchito makadi malipiro - chodabwitsa sizachilendo. wovulalayo wake akhoza kukhala aliyense ndi chipangizo pulasitiki. Choncho ndikofunikira kuti asalalikire khadi yomweyo pamene kukayikitsa choyamba. Ndipo banki akhoza kulemba mawu a kusagwirizana ndi ntchito ponena chifukwa ngati zinachitika popanda kudziwa kwanu.

Sberbank khadi chinyengo

zipangizo pulasitiki wa bungwe ili nthawi pansi matenda zoberana zosiyanasiyana. The njira yofala kuba - SMS-uthenga ndi lemba limene khadi wakhala oletsedwa, ndi resumption ntchito n'kofunika kuti muyimbe anasonyeza. zidziwitso mawu amenewa akhoza kutenga zikwi ogwiritsa Sberbank makadi. Musaiwale kuti mauthenga onse anatumiza mwa Sberbank, akubwera kuchokera nambala wani. Ngati zidziwitso kuchokera komwe wina - ndi zigawenga.

Katangale Sberbank makadi nthawi zambiri amapezeka ndi zipangizo pulasitiki «Master Khadi Standard» ndi «Visa Classic». Choncho, kuti kugula nawo makamaka pa intaneti, m'pofunika mu masitolo audited, amene mukhoza kuwerenga ndemanga.

PrivatBank

PrivatBank khadi chinyengo nthawi zambiri ikuchitika ntchito skimmer. Manambala sanaone kudzera m'chipinda anakonzeratu pamene kutumikiridwa Pin nkhondo ayenera migwalangwa pafupi zinayendera anaimba.

Njira ina - "ndalama zapadera", amene amalola fraudsters kudziwa malamulo wabwera mu SMS-uthenga wogwira khadi, kumene iye mwini nkhani (osati osadziŵa tsenga) ulembedwe pafoni. Nthawi zambiri choncho pamene inu kugula m'masitolo Intaneti.

Khadi chinyengo "Mbewu"

Zigawenga zambiri ntchito limodzi zambiri zosangalatsa njira kuba ndalama, mapu "Mbewu" ntchito. Katangale kumachitika mwa kulenga ndi sitolo online, mwaumbanda ku "Euroset", kumene mukhoza kugula zambiri zamalata kuposa komwera mowa. mabonasi Plus. Kupanga chinthu, mlangizi ayenera ulembedwe dzina lawo zonse, tsiku lobadwa, makadi barcode, mawu chinsinsi, amene anadza meseji, ndiye zomwe Mulimonsemo n'zosatheka kunena. Pambuyo pake, ndi nkhani ya khadi debited ndalama ndi mwini nkhani amakhalabe popanda kugula.

Amene adzabwerera ndalama kubedwa?

Obwezeredwa kubedwa ndi fraudsters, zikadzatha kufufuza, amene ayenera kukhazikitsa mfundo.

1. Kodi nokha mwini anakhala ndalama, kenako anaganiza zobwerera iwo?

2. Cholakwika ATM kapena banki?

3. Ntchito ya chisokonezo ndi?

Ngati anatsimikiza kuti lemba wolemera ndalama silinali vuto la Mwini Khadi, iye refunded kuchuluka chandalama. issuer The ayenera kubwerera izo, amene nthawi zambiri osati mofulumira kuchita izo. Katundu wa malipilo amagwira ntchito mu malonda mfundo kapena acquirer. Ngakhale ophunzira kumvetsetsa za amene ayenera kubwerera zomvetsa ndi ndani, ndi Mwini Khadi tingayembekezere ndalama zawo kwa nthawi yaitali. Pofuna kuti akuchedwa zochita ndi zochita yang'anira monga dongosolo malipiro, imene imagwiritsidwa malamulo ofanana kwa ophunzira onse, nthawi ndi khalidwe la aligorivimu ndi.

The ndondomeko ya kufufuza za kuba pa nkhani

Mawu khadi chinyengo, komanso madebiti ndi pulasitiki zipangizo, pali njira yomweyo. Izi zikutanthauza kuti kufufuza kuzindikira anthu udindo pa zimene zinachitika kuba amapezeka ndi chiwembu limodzi.

Poyamba, acquirer (ATM mwini) ndi debited ndi kuchuluka kuti mipikisano chofukizira. The issuer (banki) liyenela acquirer kupereka zikalata. Iwo ayenera kutsimikizira n'loonadi debiting. Icho chaperekwa masiku makumi atatu. Mu nthawi zotchulidwa amatipatsa acquirer ankanena zikalata ndipo dziŵani iwo ndi mwini nkhani. Ngati kasitomala akugwirizana ndi kutsimikizira mfundo ya opaleshoni, nkhani imatengedwa kuti zosachita Pomaliza, ndi kufufuza kutha. Ngati acquirer wapereka zikalata wasenza ndi kuyan'anila, kapena mawu ananyalanyaza, kuchuluka ndi debited ku nkhani yake mokomera banki (a issuer), ndiyeno kuchotsa mfundo kukangana ndipo ananena zifukwa zomveka. Pa nthawi imeneyi, ndalama mwini sati anabwerera. Pambuyo Kulipira ndi, pasanathe masiku makumi asanu, ngati sanayende ndi kanthu pa mbali ya acquirer, ndi kuchuluka kubedwa ndiye kuti nkhani ya choikamo malipiro khadi.

Pali zinthu pamene mwiniwake ATM si bwino pempho issuer a zolemba, monga amakhulupirira kuti iye ngakhalenso kubwereketsa si mlandu wa kuba Choncho, ayenera kukhala udindo. Pankhaniyi, kufufuza ikuchitika ayi.

Kuchuluka ofanana ndalama kubedwa ndi debited pa nkhani ya issuer acquirer. Izi zalembedwa. Kenako, issuer ali kutsimikizira wosalakwa pamaso acquirer lapansi. Ngati kwalephera, mwini ATM akubwerera kuchuluka kubedwa kwa Mwini Khadi la.

Pali nthawi imene mfundo acquirer ndi zosakhutiritsa kapena kuchita amuyese bwino. Zikatero, ndi udindo kuba apuma pa mbali zosiyanasiyana za ndondomeko ndi kufufuza anachita ndi kuthetsa predarbitrazhnogo. Kuchita izi, issuer adzakhala ada mangala mwa masiku makumi asanu ndi limodzi ntchito kufufuza mlanduwu kuchokera pamene chargeback lapansi. Pa mchitidwe acquirer ndi issuer kuti atsimikizire wosalakwa ndi kubweretsa mfundo ndi umboni. Ngati maphwando kufika pangano, malipiro chimawononga amapezeka mofanana, ngati ayi, choncho amatchedwa Komiti chigamulo. Ndi Commission a dongosolo malipiro. Komiti adzakhala kuganizira mfundo zonse ndi umboni wa zipani, kenako akumaliza. Zimene komiti chigamulo adzakhala kumangako. Ngati zipani simukugwirizana kusankha, losangalatsa, koma kuchuluka kwa kuba mu nkhani iyi ayenera kukhala osachepera zikwi zisanu dollars.

The ndondomeko ya kufufuza chinyengo ndi ATMs

Chinyengo ndi makadi malipiro kugwirizana ndi ntchito imachitika kudzera ATMs, akudutsa magawo ena a pofufuza. Ngati ATM sapereka ndalama, ndi issuer acquirer amatumiza afunsa kuti titsimikize kuti n'zotheka zolephera luso mu yokonza nkhani inayake kapena kugawa zosayenera ngongole. Zinthu ngati si chinyengo.

Ngati ntchito ATM imachitika wotuluka achinyengo monga kusuta ndalama, kufufuza zimatenga issuer umodzi kapena kutengapo mbali ndi acquirer ndi. Iwo Mukalongosola kupalamula ndi kukondera Mwini Khadi mfundo. Pakuti ambiri Zikatero, issuer ndi udindo, kotero iye mwachidwi mavuto awa kuti azilipira kwa kuba Mwini Khadi malipilo ku kampani ya inshuwalansi.

Kulimbana mabanki ndi chinyengo

Chinyengo ndi makadi banki kwatanthauza kuti mabungwe ambiri kulimbana ndi oipa. Koma izi si nthaŵi zonse kulimbana.

Mwachitsanzo, kulimbana zikuyenda pamwamba zambiri ntchito IBS luso + chitetezo ku kampani «TMD Security». Kampani ndi mtsogoleri zoteteza ndiAmene wa ATM zikuyenda pamwamba. Bwino luso chifukwa chakuti ankatetezedwa waikidwa mkati, oyenera mitundu yonse ATM ndi zosavuta kusonkhana.

Kupita ATMs zikugwira ntchito dongosolo «Microsoft Windows», pulayimale m'munsi «Intel» ntchito protocol TCP / IP, mosiyana, kwambiri kumaonjezera ngozi ya kuukira. Chifukwa chaichi, ndi fraudsters kugwira akulimbana (akulimbana) kuukira.

Tsopano zigawenga zambiri kutembenukira kwa zosiyanasiyana mapulogalamu mwayi wolankhula ndi makadi malipiro. Iwo analowa mu ATM. Kenako pulogalamu adzakhala kusonkhanitsa mfundo zonse zogwirizana za ntchito ya. Zoterezi ATM sasiyana ku ATM yachibadwa. Choncho, anthu ambiri kuzindikira n'zosatheka.

Chinyengo ndi makadi banki angathe kupewedwa mwa unsembe wa mbali yapadera chitetezo pa ATM. Iwo zikuimira kusonyeza pa khomo m'dera utumiki ndi pulogalamu n'kuchititsa chitetezo zambiri.

Kodi mungadzitetezere ku chinyengo?

Mawu khadi chinyengo kapena zipangizo madebiti pulasitiki - panopa chodabwitsa sizachilendo. Choncho ndikofunikira kukhwimitsa kuchepetsa chiopsezo kuba ndalama. Kuti tichite zimenezi, muyenera kusunga Malamulo awa.

1. Kodi saali Pin wanu, osati kulemba pa khadi, Bookmark, etc.

2. Kodi si kusamutsa khadi ndi munthu wina.

3. Pangani zogula mu masitolo audited.

4. Vindikirani dzanja lanu kiyibodi pamene kulowa kachidindo munthu.

5. Kodi si lipoti antchito kungoganiza zokhudza khadi banki.

6. Musati mundiuze achinsinsi, amene anadza uthenga pa foni.

7. Mu nkhani ya imfa kapena imfa ya khadi, inu muyenera kukhala chiwerengero foni imene akhoza yomweyo oletsedwa.

Panopa tikukonzekera kupeka mitundu yatsopano ya chinyengo ndi makadi banki ndi njira chitetezo kuba. Choncho, kuwonjezera pa miyeso asachite operekedwa ndi issuer, acquirer, kapena zamalonda, muyenera kutsatira zofuna onse amene maloya a.