Xa abantu bacinga "ubusela besazisi" bahlala becinga ukukhwabanisa kwekhadi lokuthenga ngetyala . Kwisihloko esilandelayo sezithuba, siza kuxubusha indlela okwenzeka ngayo kunye nendlela abaphulaphuli abayiphume ngayo imfazwe kwi-cybercrime. Njengoko abahlaseli bezobugebengu baqhubeka befuna ukukhuseleka kwiinkonzo zentsebenziswano kunye nabemi baxhomekeke kumanethiwekhi abo asekhaya, ukukhwabanisa kwe-akhawunti kuya kuqhubeka kubandezela uluntu.
Kukho iintlobo ezininzi zokuthatha i-akhawunti kunye neendlela ezininzi zokuthatha i-akhawunti. Nazi izibonelo ezi-10:
- Ikhredithi yeCredit Credit
- Hacking
- Izikratshi
- Utshintsho lwedilesi yokuposa
- Ukukhwela
- UkuPhatha
- Ubuqhetseba befoni
- Ukufuna
- Ukunyuka kwempahla kuhlaziywa ngobuqhetseba
- Hlola ubuqhetseba
Ukukhwabanisa kwe-Akhawunti
Ubusela benkcazo yemali ngendlela yokukhwabanisa kwe-akhawunti ngokuqhelekileyo kuthetha ukusebenzisa enye i-akhawunti yengxelo yomntu (umzekelo, inombolo yekhadi lesikweletu) ukufumana iimveliso kunye neenkonzo usebenzisa i-akhawunti ekhoyo. Kwakhona kunokuthetha ukukhangela imali kwi-akhawunti yebhanki yomntu.
Amanani e-Akhawunti atholakala rhoqo kwi-trash, engena kwi-intanethi, okanye ebiwe kwi-imeyile okanye esuka kwiiphakethe eziphakamileyo okanye iipokethi. Xa amasela afumana le datha, angasebenzisa ulwazi ngokufanelekileyo kwindawo yokuthengisa okanye ukufikelela kwi-akhawunti nganye kwi-intanethi, ngefowuni okanye ngeposi yeenkonzo.
Ubunjineli bezentlalo yenkampani ukucwangcisa idata phantse ifunekayo kwinqanaba elithile: Ukukhohlisa ukuguqula idatha ibe yimali, ulwaphulo-mthetho luba njengexhoba.
Amaxhoba amaninzi aqala ukufumana ukubuyiswa kweakhawunti xa bethola iindleko kwiingxelo zenyanga azizange zigunyaze okanye imali ichithe kwii-akhawunti ezikhoyo. Ngamanye amaxesha ixhoba liya kufumana i-akhawunti yabo yasebhanki yonakaliswe ngenxa yeendleko ezininzi ezivela kwiitshekitshi ezihlawulelwayo.
Ikhredithi yeCredit Credit
Ifomu ephezulu kakhulu yokufumana i-akhawunti yikratshi yikhadi lekhredithi.
Ukukhwabanisa kwekhadi lokuthenga ngekhredithi kufana nesiqingatha sazo zonke iinkcukacha zobusela. Ukukhwabanisa kwekhadi lokuthenga ngetyala kubakho njengokreqebusha entsha ye-akhawunti okanye ukuthengiswa kweakhawunti ebonakalayo.
UkuLoba idatha
Kukho iindlela ezininzi zokuthatha iibhanki zekharityhulam ezikhoyo kunye nekhadi lekhredithi. Ukwaphulwa okuqhelekileyo xa ikhadi lekhredithi okanye idatha yekhadi yedatha kunye nekhowudi yeCVV ikopishwa phantsi kwindawo yokuthengiswa ngumbhalisi wokuthengisa, umncedisi okanye nawuphi na umlindi wokuthengisa. Ubusela bekhadi lomzimba xa i-wallet okanye isikhwama sebiwe yinto ebalulekileyo. Xa ikhadi lekhredithi okanye ulwazi olubiweyo, isela lilingisa nje ixhoba kwaye isebenzisa ikhadi apho kungabonakali khona ukuchongwa. Kwimakethi-engekho-ntengiso, isela singenza iifowuni kwifowuni okanye kwi-intanethi.
SeKhadi loKhuseleko
Ukudibanisa amagama "ikhadi lekhredithi - ukhuseleko" lithetha ngathi "iqhwa elishisayo"; a bahambi ndawonye. Ngomnini wekhadi lekhredithi, ukhuseleko lungaquka ukufaka ikhowudi yepini okanye ikhowudi yeefayili, ukuqinisekisa ubungasayine okanye ukucela ukuchongwa. Kwimakethi-engekhoyo-ntsebenzo, ukhuseleko lungaquka ikhowudi yeCVV, enokuqinisekisa ukuba umsebenzisi ulawulo lwekhadi. Ngaphandle kokungena kwipini, akukho nanye yale mijelo yokhuseleko isebenzayo okanye nayiphi na uhlobo uhlobo "lokhuseleko." Kwaye kwanepini inokuthi ingonakaliswe ngeendlela ezahlukeneyo.
Inyaniso eyaziwayo encinane ngokubhekiselele ekuboniseni ukuchongwa kwindawo yokuthengisa ngumnini-khadi unelungelo lokungafuni ukubonisa ubungqina obongezelelweyo, kwaye ukucela ukuba ukuqinisekiswa okunjalo ngokuqhelekileyo kuphulwa kwesivumelwano somthengisi kunye neenkampani zekhadi lesikweletu. Yaye xa umgcini wekhadi ekhetha ukutyikitya igama labo "Bona iLayisenisi yoMqhubi" okanye "CID" okanye "Bona i-ID", ngokuqinisekileyo bavumelanisa isivumelwano nomniki-khadi. Yonke imimiselo kunye nezivumelwano zivunywe ngegama elisayine ngesandla ngesandla kwikhadi ngokwalo.