Yintoni i-ATM Skimming?
Ukukhwabanisa umatshini ozenzekelayo xa kwenzeka ukuba ulwaphulo-mthetho lubeka isikhombiso esincinane phezu kwe-slot ekhawuntini kwi-ATM. Le fowuni ibonakala ngathi i-slot yangaphambili yamakhadi, kwaye idibanisa ebusweni be- ATM . Kwilihlo elingakhange lifundiswe, akukho nto ebonakalayo eyahlukileyo, kodwa xa ikhadi ididiza kwi-slot, yonke inkcazelo kumgca wamagnetic ifundwa, okanye "ikhutshwe." Oku kuyinto eqhelekileyo kuba iteknoloji ibulula, kwaye kukho ayiseteknoloji ukukhusela inkqubo yekhadi leplastiki, ekhoyo.
Kukho iinxalenye ezimbini zezixhobo ezivumela izigebengu ukuba zithathe idatha kwikhadi. Okokuqala, kukho idivaysi yesikrini ngokwayo, kwaye yesibini ikhamera encinci, engenafowuni erekhoda i-PIN njengokuba umsebenzisi uyayifaka kwifowuni.
Ezinye zeendawo apho iikhamera zifihlakele ziquka:
- Kwincwadana enomnini we-ATM
- Kwibha yokukhanya phezulu kwecacpad
- Esi sithethi ebusweni be-ATM
- Kwibhokisi emva kwesibuko esincinane kwiATM
Indlela yendabuko yokufumana inombolo yekhadi ukubeka umfundi wekhadesi ye-phony ngaphezulu komfundi wekhadi le-ATM, uze ubuye ukuze uyifumane. Le mihla, ke, kunokwenzeka ukuba uthumele ulwazi ngeBluetooth ngokusebenzisa ubuchwepheshe be-SMS ekwakhiwe ngqo kwi-skimmer. Xa uqhaqhawula ukuba nge-keypad eguqwayo kunye neekhamera ezingenantambo, kulula ngakumbi kunanini na ukufumana inombolo ye-PIN.
Lawa masela anesibindi ngokwaneleyo ukukhangela umsebenzi oya kubanika ukufikelela kweATM.
Xa benayo le mi sebenzi, bafaka isofthiwe esingahambisa i-PIN kwisixhobo sayo somntu. Ekubeni aba bathuphayo kunye neememori zeememori zincinci kwaye zilula, zihlala zingabonakali.
Ngenxa yentuthuko yezobuchwepheshe, izigwenxa zithatha phezulu xa kuziwa kwi- ATM . Ukuba kufuneka usebenzise i-ATM, kukulungele ukusebenzisa enye ephakathi kwebhanki, kwaye naphi na ukuyisebenzisa, kufuneka uqinisekise ukuba uhlolisisa umatshini ngaphambi kokuba uswayiphe ikhadi lakho.
Imiqhezu eyahlukeneyo ehambelaniswe noKhuselo
Kukho inani leenkcenkceshi ezahlukileyo ezidibaniswa nokucoca. Zizo zilandelayo:
- I-ATM ze-Fake - Kule meko, i-crook iya kwenene ifake umatshini wokukhohlisa kwindawo ekutsala abasebenzisi. Oko amaxhoba engayazi kukuba rhoqo xa besula ikhadi labo, isela lifumana ulwazi.
- Ukwandisa ukuKhukhuza - Ngumsebenzi xa eqhuba ikhadi ngokusebenzisa isixhobo sokufunda esitshintshela idatha eqokelelwe kumgca wamagnethi wekhadi. Ingqungquthela uze ulitshintshe le ngcaciso, uyitshise kwikhadi eliyinyumba / ikholoni, uze usebenzise lelo khadi ukwenza ifowuni okanye i-oda ye-intanethi.
- Ukuchithwa kwedatha - Lo mkhuba uyenzeka xa inkohlakalo ibonakala njenge-serviceman kwipompo yegesi, umzekelo, ivula ipom ngekona ekhethekileyo, kwaye ifake ifowuni ukuba ifunde nawaphi na amakhadi atyunyiwe kuyo.
- I-Point of Sale Swapping - I- POS Swapping yenzeka xa ifowuni yokukhwela ifakwe kwikhadi lokugqibela apho kuthengwa khona. Akukho mthengisi okhuselekileyo, kwaye nakwiinkampani ezinjengeMcDonald zijoliswe kuyo.
- I-ATM Skimming - Njengoko kuthethwe ngalo, le yilapho isela lifaka umfundi wekhadi kunye nekhamera kumatshini we-ATM. Ziyakwazi kakhulu, zihlala zingenazintambo, kwaye zikwazi ukufunda i-PIN kunye nedatha yekhadi.
Awukwazi Ukuthenga nje i-ATM, kunene?
I-DEFCON yindibano yonyaka eyenzeka eVasgas ngamnye unyaka, kwaye iindibano izisa abahlaseli behlabathi lonke. Kwi-DEFCON, abathathi-nxaxheba abambalwa bamise i-ATM ekhohlisayo kufuphi ne-ofisi yezokhuseleko kwiziko leziko. Abanye abahlaseli baqala ukuyisebenzisa, kwaye abahlaseli babenakho ukufumana ulwazi lwabo.
Emva kokuva eli bali, ndifuna ukubona ukuba kulula kangakanani ukuthenga i-ATM nokuyibeka. Ngokuqinisekileyo, akunjalo, akunjalo?
Ndaqalisa ukukhangela kwi-eBay, kwaye ndothuka kukuba, ndafumana ii-ATM ezitsha kunye nezisebenzisa ii-ATM ezazivela kwi-$ 500 ukuya kwii-2,500 zama-$. Ndagqiba kwelokuba andifuni ukuhlawula loo nto, kwaye iindleko zokuthunyelwa zi malunga needola ezingama-300, ngoko ndakhangela indawo. Ndazama uCraigslist kwaye ndafunda iposi evela kumnini we-bar kumntla weBoston owayethabatha izinto ezahlukeneyo kubandakanya iimpawu ezindala zebhiya, itafile zamanzi, kunye ne-ATM.
Ndadibana nomfana, uBob, kwibhadi kunye nomhlobo wam ongumkhwa wengubo omhlophe, omnye wabafana abalungileyo. Ibha yayidala kwaye ivala, kwaye uBob wayekunceda umnini uthengise impahla, kuquka i-ATM. Umatshini wawukufuphi ibha, kwaye umhlobo wam unobhedu waqala ukusebenza. Wajonga kule ncwadi, wayesebenzisa umshini, waza wachaza ukuba kuxabisa ixabiso le-$ 750. Siyifake kwi-trailer kwaye siyifake kwigaraji lam. Into yokuqala ngentsasa elandelayo, ndathatha iiglavu zerabha, ibhotile ye-Windex, ithawula elithile lephepha lephepha kwaye yithatha i-ATM ngaphandle.
Xa umhlobo wam, umkhweli, efika kwigaraji lam kamva, wayenencwadana kwaye wayenomdla. Ukhangele oku, "watsho, waza wagweba kumkhodi wenkosi yomatshini. Oku kwamvumela ukuba afinyelele idatha kumatshini kwi-chip chip, ebizwa ngokuba yi "EPROM." Yintoni eyenzekayo? Sinokushicilelwa kweenombolo ezilikhulu zamadaka kunye namakhadi ekhadi lesikweletu. Uloyiko, kunene?
Izinto zihamba nzima!
Ingxelo yakutshanje evela kwi-FICO ithi ulwaphulo-mthetho oluphathelele "ukukhwabanisa" luye lwaba nenkunzi enkulu emashumi amabini adlulileyo. Oku kubandakanya i-ATM yebhanki, kunjalo, kodwa ii-ATM zomntu zibone ukwanda okukhulu. Xa amasela afinyelela idatha yakho eyebiwe, anokukwazi ukwenza okuninzi kulo ngokuthatha amanani nokurhoxisa imali ekudaleni ikhadi lokukhwabanisa le-phony abangayisebenzisa ekuthengeni i-intanethi okanye ngefowuni, njengoko bengasayi kufuna i-ID yesithombe. Ngaphambi kokuba uyazi, i-akhawunti yakho yasebhanki iselwe ngokupheleleyo!
Ubuhle beli, kuba ngamasela, nantoni na, kukuba le yinkqubo enjalo elula ukuba abasebenzisi be-ATM abaqondi nokuba baya kuhlaselwa kude kube sekude. Kumntu olixhobayo, bamane baswayiphe ikhadi labo baze bafikelele kwimali yabo. Kodwa, isela liceba, kwaye umonakalo ungenziwa kwimiba yeeyure okanye imizuzu:
- Uya kubuya kwi-ATM phakathi kobusuku
- Uyalitshintsha idatha ukusuka kuwo onke amakhadi atyunyiwe kuloo mshini
- Utshisa le ngcaciso kwikhadi le-phony kwaye uqala ukuthenga
- Ngaba ufuna iPIN? Akukho ngxaki. Kananjalo unakho ukufikelela kwikhamera edibeneyo kwindawo ethile kumatshini we-ATM ukurekhoda amanani amajelo ashicilelweyo
Ukukhuselwa koKhuselo lweSkram
Kukho iindlela ongayisebenzisa ukuze uzikhusele kwi- scam scam :
- Sebenzisa kuphela i-ATM engaphakathi kwebhanki. Ama-ATM asemasimini angayisebenzisayo afaka phakathi abo aseburhulumenteni, iivenkile, ii-kiosks kunye neeklasi zangobusuku.
- Ingakhathaliseki indawo ye-ATM, jonga umshini. Ukuba imibala ye-scanner ayifuni i-jibe kunye nayo yonke imibala, eli liflegi ebomvu.
- Zama ukuguqula i-slot yekhadi ukubona ukuba kukho nayiphi na into eqhotyoshelwe kuyo.
- Khawubhekisise ukukhawuleza kwekhadi xa usebenzisa izitishi zegesi okanye abanye abafundi bekhadi abangenayo i-ATM abangakwazi ukuskena ididebhini.
- Hlola indawo apho ikhamera ingafihla khona. Nokuba zonke zicacile, xa ufaka i-PIN, gquba isandla sakho.
- Ukuba unako ukuphepha ukusetyenziswa kwekhadi yedata, kufuneka. Ngekhadi lesikweletu, ubuncinane, unokuphikisana neerhafu ngaphambi kokuba ulahlekelwe yimali. Ngekhadi lokudada, oku akunakwenzeka.
- Hlola ibhanki yakho kunye neengxelo zekhadi lesikweletu rhoqo.
Njalo Khusela amakhadi akho
Nazi ezinye iindlela onokuzikhusela amakhadi akho okukhawuleza kunye namatyala:
- Abanye banokwenza nayiphi na intlawulo ye-intanethi ngamakhadi ahlawulwe okanye angasebenziyo.
- Ukuba unentlawulo ephindaphindayo nayiphina i-akhawunti, sebenzisa kuphela ikhadi elilodwa lokuthenga ngetyala.
- Xa uthengisa, sebenzisa ikhefu lokusetyenziswa okanye ixesha elilodwa lokusebenzisa. Nangona ikhadi elisebenzisileyo lixhunyaniswa nenani lakho lekhadi langempela, lithintela inombolo yakho yangempela ekuhleni. I-Citibank, Discover, kunye neBhanki yaseMerika yonke inika amanani angasebenzisiyo.
- Ikhadi elihlawulwa kuqala lihlukile kunekhadi elilodwa lokusetyenziswa njengoko lingaxhunyiwe kwikhadi lakho langempela. Ukuba ikhadi elihlawulwa kuqala libiwe, ungayitshintsha ngaphandle kokuchaphazela i-akhawunti yakho.
- Ukuba unako ukufikelela kwikhadi lomdaka, ungayithengi nayo. Yisebenzise ukufumana imali ngaphandle kweATM kuphela. Ukuba isela ithola inombolo yakho yekhadi yedal debit, imali ngokukhawuleza inokubiwe kwiakhawunti yakho.
- Nangona uza kuhlawulelwa naluphi na ubuqhetseba obwenzeka ngekhadi lebit debit, kwenzeka kuphela emva kokuba i-akhawunti yakho isusiwe. Ngoko, gwema ukusebenzisa i-debit card kwiindawo apho kulula ukukhohlisa umfundi, njengamashishini e-casino okanye iziteshi zegesi.
- Ngaphambi kokuba usebenzise ikhadi lakho lokubambisa, qwa lasela impawu zokukhawuleza kumfundi wekhadi, njengekhamera encinane engakwazi ukufaka iiPINs.
- Yenza isicatshulwa okanye izaziso ze-imeyile ngekhampani yakho yekhadi lesikredenti okanye ibhanki ukukukwazisa nayiphi na inkokhelo. Ngale ndlela, ukuba ingeniso engagunyazisiweyo ingena, uya kufumana ngokukhawuleza.
- Ndenze ntoni? Ndisebenzisa amakhadi amakhredithi kuyo yonke into. I-intanethi, phezu kwefowuni, njl. Andiyisebenzisi ukuhlawulwa kwangaphambili okanye ungasebenziyo omnye njl. Ndiya kuthobela ingqalelo kwiingxelo zam kwaye ndifumane izibhengezo zetekisi kunye ne-imeyile nganye kwixesha langempela.