Funda malunga neNdawo yokuThengisa ukuThuthukiswa kweSkimming and PCI

Kwithuba langaphambili, sijonge iRam Raids, i-PIN ye-ID, iziTshintsho zePIN, i-SMS kunye ne-ATM Malware okanye i-Software Malicious. Kule thumela sijonga i-Point of Sale (POS) skim.

Iimpawu ezi-3 ze-POS Skims

1. Unobhala we-skim; eyona nto ibonakalayo xa unobhala weevenkile ethatha ikhadi lakho kwaye uyisebenzisa ngokusebenzisa idilesi ekopisha ulwazi kwi-strip magnetic. Xa isela lifumana idatha yekhadi yesikweletu okanye yemali, unako ukubeka i-oda phezu kwefowuni okanye kwi-intanethi okanye wenze ikhadi lekhowudi.

1. POS swaps; i skim ehamba phambili xa kwenzeka ukuba izigebengu zibe njengezakhono ze-POS, faka isakhiwo sokuthengisa kunye nokutshintsha ii-terminals ze-POS ezikhoyo kunye nama-clones avumela ufikelelo olukude lwaphulo-mthetho kwisixhobo. Amasela angashenxisa ngokupheleleyo indawo yokuthengiswa kwendawo yokuthengisa kunye nesicatshulwa esilungelwe ukurekhoda okanye ukuguqula idatha yekhadi ngaphandle kwentambo, okanye ukugcina nje idatha kuze kube yilapho ulwaphulo-mthetho libuya kwaye lusususe.
2. POS malware; I-POS skim eyona yinkqutyana kakhulu iyenzeka xa isofthiwe yangempela ye-POS icatshulwa ngokude kwaye ikhutshwe xa i-malware efakwe ukunika izigwenxa zilawula ukulawula phezu kwezixhobo.

IBhunga leMigangatho yezoKhuseleko

Ibhunga leMigangatho yezoKhuseleko lePCI inikezela izikhokelo ezijoliswe ekuncediseni abathengisi ngokugcina ngokukhuselekileyo nokuthumela idatha yeakhawunti yekhadi kunye nokuyikhusela ukuba ingangeni ezandleni zabaphuli-mthetho. Abathengisi abahluleka ukuthobela imigangatho ye-PCI banokuhlawuliswa iibhakethi ezinkulu ngababoneleli bekhadi lesikweletu ezifana neVisa kunye ne-MasterCard.

I-PCI ihlaziya rhoqo uluhlu lweengcebiso zokuthintela ukukhwabanisa. " Ukukhwela ngokukhawuleza kuba yinkinga ebanzi. Ezi zikhokelo zentengiso ekufuneka ikhangele kunye nezixhobo zabo zabafundi, "utshilo uBob Russo, umphathi jikelele we-PCI SSC. "Sithetha ngeendlela ezahlukeneyo zokukhusela ezo zixhobo zokuthengisa."

I-PCI Council of Prevention: Skills Best Practice for Merchants "izikhokelo ziquka i-questionnaire yokuhlola umngcipheko kunye namafomu okuvavanya ukujonga ukukhuselwa kwezi ntlobo zokuhlaselwa kunye nokuchonga apho bafuna khona ukunqanda ukukhusela kwabo. Izikhokelo zibandakanya indlela yokufundisa nokukhusela abasebenzi abasebenzisa indawo yokuthengisa iifowuni ekujoliswe kuzo, kunye neendlela zokukhusela nokukhupha ukudibanisa kwezi zixhobo. Kwakhona iinkcukacha malunga nendlela yokuchonga umfundi okhuseleyo kunye nento yokwenza ngayo, nokuba indawo yendawo yezixhobo kunye nezitolo zingakhusela ingozi.

Indlela Yokuzikhusela

• Ukuphonononga i-ATM: Oku kuthetha zonke i-ATM, ezivela kwi-bhanki yakho. Ufuna kwakhona ukujonga nayiphi na i-card sliders ezifana nezitishi zegesi, njl, ingakumbi ukuba usebenzisa ikhadi lakho lokubambisa. Ukuba i-scanner ayihambelani nombala kunye nesitayela somatshini, kusenokwenzeka ukuba yi-skimmer. Kufuneka kwakhona "ugxininise" i-scanner ekhadini ukuze ubone ukuba kukho into enamathele kumfundi wekhadi kwi-ATM.
• Khubaza ikhiphedi xa ufaka iPIN yakho: Ukuze ufikelele kwiibhanki zakho zebhanki, amasela kufuneka abe nenombolo yakho yekhadi kunye nePIN yakho. Ngokufakela ikhiphedi, ukhusela iikhamera kunye nababukeli ekuboneni i-PIN yakho.

• Hlola ibhanki yakho kunye neengxelo zekhadi lesikweletu rhoqo: Ukuba umntu ufumana ulwazi lwakho, unemihla engama-60 ukubika nayiphi na iindleko zobuqhetseba kwiinkampani zakho zekhadi lesikweletu ukuze ungahlawuliswa. Ngekhadi lokudityaniswa, unemizuzu engama-2 kuphela ukubika nayiphi na into esolwayo.
• Yiba yinto ekhethiweyo: Musa ukusebenzisa ii-ATM ngokubanzi kwimivalo okanye kwiivenkile. Ezi zivame ukubekwa iliso kwaye ngoko ke, zinokuphithwa lula nawuphi na umntu.