Kubiridzira pamwe mubhengi makadhi uye kurwisana naro. Sei uzvidzivirire pakubiridzirwa

Plastic mubhengi kadhi inzira kwose muripo. Inopa asiri vanorega kuwana mari iri yako munhoroondo ano. Plastic makadhi zvinogona debit uye zvikwereti. Nyaya chinotarisa sei kuti uzvidzivirire pakubiridzirwa.

Dzidza zvakawanda pamusoro makadhi

Plastic kadhi pachayo harina chero mari. Vose vari muridzi wacho mari. A nhindi epurasitiki - chete kunoreva kuti kuwana mari.

On rokunze kurutivi kadhi muridzi wacho mashoko akarongwa, izvo zvinodiwa kubhangi kuziva uye chisarudzo charo kuita zvakumbirwa oparesheni. Kushandisa kadhi, kwete hazvo mumuviri wayo kuvapo. Zvakakwana tsanangurai mashoko.

To musi, yakaitwa mijenya nzira kusiya vanoremekedzwa wokuisira kubhengi debit kana kadhi pasina mari. Rakanyorwa siyana malware. Chakabiwa mashoko pachavo pamusoro cardholder. Hacked ari servers makambani uye mabhanga. Nokutuma shoko yakasiyana kune serura uye saka nyengedzeka vagari matsotsi kuwana nhoroondo, etc. Kubiridzira pamwe mubhengi makadhi - nyore uye bhizimisi shoma-njodzi. Uye izvi nokuti kubata chibharo, uye kuratidza nemhosva yake haisi nyore. Cyber mhosva evanhu vemazuva ano uchishandisa mashoko michina nokuti mhosva zvinangwa riri guru. Zvinoita cardholders kuva hostages ezvinhu uye saka kuva pangozi scams.

Nzira kuwana mepu

Kubiridzira pamwe makadhi mubhengi kunogona kuitika mune imwe nzira mbiri.

1. makadhi yakabiwa kana yokunyepedzera kutenga nhumbi Resale.

2. Shandisai akasiyana-siyana emazano okunyengera nemhomho kuwana kune ATM, nhoroondo mashoko uye PIN romutemo.

Cash Machine kana ATM (zvoga nokuvuka (mutauri wemashoko) machine) dzakagadzirirwa nyore kwema kuti achibudisa, kugamuchira, akatamisa mari, kubhadharwa basa uye mamwe mashandiro zvemari, pasina kutora chikamu nomushandi ane chikwereti sangano. Panguva iyoyowo kushandisa mabasa izvi chero nguva yezuva. Nyore nyore uye zvakananga kuwana mari akaita ATMs rokuvaka uye akakurumbira pakati vakawanda, uye, naizvozvo, pakati matsotsi.

Kubiridzira pamwe makadhi mubhengi kunoitika kuburikidza Hacker kurwiswa zvainanga panguva ATM. Uyewo, unogona kuitwa nokukopa mashoko kubva rinobva ubvise makadhi, simbisai neriva mabhiri unotungamirira kunyangarika mari kana nyaya haisi mari yose akumbira kubva ATM.

Kurasika kana zvakabiwa epurasitiki kadhi mumaoko fraudsters aigona kunangana wayo kunyora kure mari yose yaiitwa munhoroondo. Izvi zvinoshandawo Kunyepa bhengi kadhi, yakaitwa muzita zvimwe munhu, nekuda iyo mari zviripo.

Views kubva kadhi kubiridzira

Nhasi, mashoko aya, hazvina chinodiwa kuverenga ose mugari. Kubiridzira pamwe epurasitiki makadhi inosanganisira mhando dzakawanda akasiyana anonyengera uye unyengeri.

Chitsotsi - mukugadzira mapurasitiki pamwe dzakafanana mashoko kadhi iyi muridzi chaiye. Wandinyengedzerei Izvi zvinobvumira iwe kuita chero kushandiswa. Kuti aponese Pakubiridzirwa, kubhangi anosimbisa kudzivirira kusarudzwa mashoko. Development nzira nokuti akaba mari kubva makadhi akaita ichi nzira iri shoma mutengo-kunobudirira. Zvino mamwe nyore nzira kuzoba kubhengi mashoko.

Phishing - nzira kuba naro fraudsters nenzira dzakawanda yokukurukurirana (foni, email, etc.) chokuita cardholder pachinzvimbo kubhengi. Vavariro yavo ndeyokupa kutsvaka muridzi zvakavanzika mashoko. Phone phishing - nevakawanda nzira yekuba. Sezvo kadhi anaro anogamuchira kudanwa, kazhinji mharidzo achizivisa kuti muripo chakaitwa munhoroondo, unofanira kubhadhara chikwereti, kadhi iri makavhara, etc. Kudanidzira rinoitwa munyika otomatiki rudzi uye wemagetsi Inzwi vakaridza mashoko chinotyisa, pasina chaiyo mari kupfungwa data, iro shoko anotumwa. Pashure paizvozvo, nokuti mamwe mashoko anofanira kutaura opareta. Chete chinyorwa anoratidza mu SMS mashoko uye e-mail. Munguva kudanwa kuwanda zvaratidza opareta ari kuedza kuwana mashoko vasanonoka kuti gare gare achabvumira matsotsi kuti vabudise makadhi. Kubiridzira kubudikidza skimming kunoita kutevedzera mashoko kushandisa zano rinokosha ATM.

Kuba kadhi mashoko kubva servers paIndaneti muzvitoro, izvo havadikanwi kuti kuchengeta zvinyorwa dzawo varidzi. Asi izvi kazhinji haakudzwi. The fraudsters zvinobudirira kushandiswa.

Dzimwe nguva anonyengera bhangi vashandi pachavo kupa matsotsi ruzivo pamepu. Kana nokuda kuregeredza pamusoro nomudonzvo ruzivo urwu kuva midziyo mvumo.

Achibatsirwa chinokosha michina fraudsters Hack kadhi rine PIN yekubvuma panguva ATM kushandisa chaizvo namano (Micro, panhongonya keyboard, kadhi vaverengi). Zvombo zvakadaro anoverenga mashoko uye mavara echivande vakapinda.

Kushandisa Kunyepa ATM inokupai kuti nemakadhi chinhu. Kubiridzira akaita nzira "Lebanese loop". Ipfungwa Izvi zvinobvumira matsotsi kutora pamusoro womumwe kadhi. Nokuti fraudsters anoiswa mukati slots chokuverenga mudziyo chimedu firimu chisingazivi Map mbudo yokutanga avhiyiwa. Pedyo vacho vari kupa kupinda PIN code, achiti kuti pashure chiito ichi Map. Pashure kundikana Kuedza all scammers muridzi abvume kutsausa rakatevera kubhengi, padzinoshanda vateresi nemainjiniya, asi hapana chichaitika kusvikira iyoyo. The kadhi inogona zvakanaka kusiya. Kana muridzi anosiya ATM all scammers akapora Photographic firimu mepu. Vanobvisa zvose nzira.

Bank kadhi kubiridzira kunoitika kuburikidza CNP-kwema, i.e. akavhiyiwa kuitwa Internet pomumbure pachishandiswa mashoko. The muridzi wake kubhengi mapurasitiki haina zvinobatanidzwa.

Operations pakadhi munhu aba kana vakarasika, chii chinoitika panguva penguva pakati zviitiko izvi uye mapurasitiki zvechizarira. Uyewo, vanhu vakawanda vanokanganwa nyora pasi PIN yenyu pamusoro kadhi pachayo, musi upi bepa kana mukabhuku. Kana kuba kana kurasikirwa pahombodo ane chikwama fraudsters kuva yokuisira kwete chete yose mukati, asiwo mari kubva pachake nhoroondo.

Kuwana - imwe nzira umo uchidzokorora pitikoti kunoitika. Rinogonawo kupedzwa kuchinja kwayo kugutsikana. Nokuti ichi zvinoitwa wemagetsi chinouraya kana mashoma ruchitedzemuka fingapurindi makadhi pamusoro imprinter. Izvi zvinokosha kuti kukwanisa kushandura chitsama kutengeserana kana kwezvisikwa muripo magwaro zvitsva pashure nokusaina mutengi pitikoti.

Dzosera of rwokutenga vanotyisidzira muridzi kadhi rechikwereti kupinda kubvisa. Kuti aite izvi, ari anokorovhera, iyo Hacker kana mushandi zvebhizimisi apo mutengi anoita kutenga, akabata mari-musana oparesheni, iyo inowedzera kadhi mwero. The vavashungurudza inoshandisa vakanyoresa pomutumwa. The kutengesa kambani iri nokuyeuka dzosera. The yeGmail.END_STRONG anoramba ari mutsvuku.

Zvokuita kana anoona zviratidzo kubiridzira rokutanga?

Enhema kushandiswa muripo makadhi - nevakawanda chinoshamisa. akatambudzwa ake aigona kuva munhu ane epurasitiki mudziyo. Naizvozvo zvakafanira kuti adzikatidza kadhi pakarepo kana yokutanga kunyumwira. Uye kubhangi anogona kunyora mashoko vasingabvumirani pokuvhiyiwa, ichiti chikonzero, kana zvakaitika pasina ruzivo rwako.

Sberbank kadhi kubiridzira

Plastic mano sangano iri kazhinji pasi yokurwiswa scams siyana. Vakawanda nzira kuba - SMS-mashoko acho kuti kadhi rave makavhara, uye nokuda resumption hwokushanda zvakafanira kudana nhamba yakaratidza. Kwakadaro chinyorwa Notifications vanogona kuwana zviuru vanoshandisa Sberbank makadhi. Usakanganwa kuti mashoko ose akatumwa Sberbank, achibva nhamba imwe. Kana ziviso neimwe kuenda - ndiyo vemhosva.

Kubiridzira Sberbank makadhi kazhinji kunoitika pamwe epurasitiki namano «Master Card Standard» uye «Visa Classic». Naizvozvo, kuti vatenge navo, kunyanya paIndaneti, zvakakodzera mune audited muzvitoro, izvo unogona kuverenga wongororo.

PrivatBank

PrivatBank kadhi kubiridzira kakawanda kuitwa vachishandisa skimmer. To nhamba haana kuonekwa kuburikidza zvakafanorongwa mukamuri kana raitongwa PIN nemhomho vanofanira yemichindwe pedyo munhu dialed kutevedzana.

Imwe nzira - "mari yokuwedzera", iro anobvumira fraudsters kuziva bumbiro remitemo wakauya SMS-shoko kadhi anaro, izvo iye muridzi nhoroondo (kwete suspecting munhu nzira) zvitungamirire parunhare. Kazhinji nyaya kana iwe kutenga kubva paIndaneti zvitoro.

Card kubiridzira "Corn"

Matsotsi vanowanzoshandisa rimwezve nzira dzinonakidza kuba mari, umo mepu "Corn" rinoshandiswa. Kubiridzira kunoitika kuburikidza ane online store, ostensibly kubva "Euroset", apo iwe unogona kuita kuritenga zvikuru cheaply kupfuura saloon. Plus bonuses. Kuti kutenga, namakurukota anofanira zvitungamirire zita ravo rizere, gore rekuberekwa, Barcode makadhi, chakavanzika shoko, vasvika meseji, ndiko kuti, mashoko kuti chero zvazvingava hazvibviri kutaura. Pashure paizvozvo, pamwe kadhi nhoroondo debited mari uye nhoroondo anaro anoramba pasina kutenga.

Ndiani vachadzoka mari yakanga yabiwa?

Dzosera wakabiwa fraudsters, kunoitika pashure kuferefeta, izvo zvinofanira chigaro zvimwe zvinhu.

1. Ko iwe muridzi vakapedza mari dzavo, uye akasarudza kudzokera kwavari?

2. Error ATM kana kubhengi?

3. Kana basa vanonyengedza?

Kana zvikaonekwa kuti ari nyora-kubva mari yakanga isiri mhosva yacho cardholder, iye refunded mari yakanga yabiwa. The issuer vanosungirwa kuidzorera, izvo kazhinji haana kukurumidza kuzviita. Mutoro muripo riri basa kuti okutengesa pfungwa kana acquirer. Apo vatori vechikamu kunzwisisa ndiani kudzoka nokurasikirwa uye ndiani ane mhosva, kuti cardholder vanogona kutarisira mari dzavo kwenguva yakareba. Kuti arege kunonoka kuongorora zviri regulator mabasa sezvo muripo gadziriro, iyo anoumba zvakafanana mitemo yose vechikamu nguva uye nomufambiro algorithm.

The kuferefeta kunenge yokuba munhoroondo

Credit kadhi chitsotsi, uyewo debit uye mapurasitiki namano, pane imwe nzira. Izvi zvinoreva kuti kuferefeta kuziva avo anokonzera chii chakaitika kuba kunoitika nenzira imwe chete zano.

Pakutanga, acquirer (ATM muridzi) iri debited pamwe mari kuti anaro kukwikwidza. The issuer (kubhengi) rinoda acquirer kupa magwaro. Vanofanira kuzosimbisa kururama kwemashoko debiting. Wakapiwa mazuva matatu. Vomuyaimbova ushandiswe nguva zvinopa acquirer aizviti magwaro uye vazive navo nhoroondo anaro. Kana munhu anoda kubetserwa anobvumirana uye kunosimbisa chokwadi hwokushanda, nyaya anoonekwa kuva foregone mhedziso, uye kuferefeta anofanira wakagumiswa. Kana acquirer akagovera mapepa ndokukweverwazve kumusoro kutyorwa, kana vangosiyiwa mashoko, mari iri debited kubva munhoroondo yake achitsigira mubhangi (the issuer), uye ipapo kubvisa chokwadi akapikisa uye akataura nezvikonzero. Panguva iyi, mari muridzi haangazozikamwi kudzokera. Mushure kukanzura, mukati memazuva makumi mana namashanu, kana asina zvichiteverwa chero chinhu pamusoro chikamu acquirer, mari zvakabiwa rwunoverengerwa kuti nhoroondo muripo kadhi anaro.

Pane mamiriro ezvinhu apo muridzi ATM haasi zvakanaka kupindura chikumbiro issuer kuti magwaro, sezvo anotenda kuti kana iye kana nzira yokubudisa haisi mhosva yokuba, saka, kwete kuti vave nebasa nazvo. Panyaya iyi, kuferefeta rinoitwa zvimwe.

Amount kwakafanana mari chakabiwa iri debited kubva munhoroondo issuer acquirer. Izvi rakanyorwa. Pashure paizvozvo, vakuru issuer anofanira kuratidza ake mhosva pamberi acquirer. Kana izvi zvinopera, muridzi ATM anodzoka chakabiwa mari yacho kune cardholder.

Pane zviitiko apo acquirer wacho nharo vari hazvigutsi kana kwete kuratidza zvizere iye zvakanaka. Muzviitiko zvakadaro, mutoro nokuda kokuba anozorora pane zvakawanda zvinobatanidzwa kwacho uye kuferefeta kuitwa predarbitrazhnogo ugari. Kuti aite izvi, ari issuer anofanira kudare mukati memazuva makumi matanhatu kubva chikumbiro kuti kuongorora nyaya kubva nguva yacho chargeback. Panguva chiito acquirer uye issuer kuti aratidze kuti haana mhosva nokuunza kupesana uye uchapupu. Kana mapato anosvika chibvumirano, kubhadhara kukuvadza kunoitika zvakaenzana, kana kwete, nyaya iri akataura kuyananisa Committee. Zviri Commission muripo hurongwa. The Komiti anofanira kufunga zvose zvaitaurwa uye uchapupu mapato, uye ipapo anopedzisa. Mutongo kuyananisa komiti ichava kubatanidzwa. Kana mapato havabvumirani chisarudzo, inofadza, asi uwandu kuba mu iyi hakufaniri kuva zvishoma pane zviuru zvishanu zvemadhora.

The kuferefeta kunenge dzokudarika pamwe ATMs

Kubiridzira pamwe muripo makadhi chokuita akavhiyiwa kuitwa kuburikidza ATMs, inopfuura dzimwe zvokukura kuferefeta. Kana ATM haapi kunze mari, ari issuer acquirer anotumira mubvunzo kuti ritsigire mukana michina Kukundikana SERVICING imwe nyaya kana kuva kuparadzirwa zvisina kufanira zvikwereti. Zvinhu zvakadaro haasi munyengeri.

Kana kushandisa imwe ATM vakaperekedza kwema enhema akadai mari kushaya, kuferefeta anotora chimwe issuer kana kusangana nemunhu acquirer. Zvinonzi akajekeswa mhosva uye vabvume cardholder pfungwa. Nokuti vazhinji Muzviitiko zvakadaro, issuer riri basa, saka iye anticipates ngozi izvi kuitira kuti nekure kuba cardholder muripo kubva kambani inishuwarenzi.

Kurwisa mabhanga ne kubiridzira

Kubiridzira pamwe makadhi mubhengi kwakakanganisa kuti masangano vakawanda kundorwa nematsotsi. Asi ichi havasi nguva kutsungirira.

Somuenzaniso, kurwisana skimming dzinowanzotaura IBS zvemichina + kudzivirirwa kambani «TMD Security». The akasimba ari mutungamiri kuchengetedzwa kwemararamiro creators ose ATM skimming. Kubudirira zvigadzirwa nokuti kuti anokosha chokudzivirira yakaiswa mukati, yakakodzera zvose ATM mhando uye nyore vaungane.

Kufambira ATMs kushanda hurongwa «Microsoft Windows», chepuraimari nechigadziko «Intel» kushandisa TCP / IP dzakati, kusiyana, yekudyidzana kunowedzera ngozi kurwiswa. Nokuti chinangwa ichi, kuti fraudsters dzinoita zvakanangwa (zvakanangwa) Kurwisa.

Zvino mamwe matsotsi vari kutendeukira kuna-siyana zvirongwa kuwana mubhadharo makadhi. Ivo vakapinda mune ATM. Pashure iyo chirongwa achava kuunganidza zvose akakodzera mashoko ari pamusoro mashandiro. Izvozvo ATM hakuiti kwakasiyana hwandaiva ATM. Naizvozvo, paavhareji munhu kubvuma hazvibviri.

Kubiridzira pamwe makadhi mubhengi kunogona kudziviswa kugadzwa chaiyo kuchengeteka zvinhu pamusoro ATM. Dzinomirira zvichiratidza pamusoro pamukova basa rokufambira uye chirongwa anokonzera ane ruzivo kudzivirirwa.

Sei uzvidzivirire pakubiridzirwa?

Kadhi kubiridzira kana debit epurasitiki mano - pari nevakawanda chinoshamisa. Naizvozvo zvakakodzera kutora matanho kuderedza mukana kuba mari. Kuti aite izvi, unofanira kuchengeta mitemo inotevera.

1. Regai kugoverana PIN yenyu, kwete kunyora pamusoro kadhi, bogmærke, etc.

2. Rega akatamisa kadhi rako mumwe munhu.

3. Ita kutenga ari audited muzvitoro.

4. Vhara ruoko rwako kiibhodhi apo kupinda pachako remitemo.

5. Regai dzinoshuma vashandi zvekufungidzira pakati kubhengi kadhi mashoko.

6. Musamboudza password, vasvika shoko pafoni.

7. Kana kurasikirwa kana nokurasikirwa kadhi, unofanira kuva Mobile nhamba dzorunhare naro inogona pakarepo kuvharidzirwa.

Pari, tiri kuumba itsva siyana kubiridzira pamwe Bank makadhi uye nzira kudzivirira kuba. Saka, kuwedzera kune matanho okudzivirira yakabva issuer, acquirer, kana zvebhizimisi, unofanira kuita zvose zvinodiwa ne mupomerwi.