Abaphangi basebenzise ukuKhutshwa kweKhadi lokuThengisa ukuThatha iNkcukacha zakho
Amaxhoba ekhredithi yekhadi lokuthenga ngetyala (credit scaking skimming) ayabonakaliswa ngokupheleleyo ngokusela. Bayiqaphela iindleko zobuqhetseba kwiakhawunti zabo okanye imali ihoxisiwe kwiakhawunti zabo, kodwa amakhadi abo kunye nekhadi lokukhawuleza ayishiyi ifa labo. Ubusela buyenzeka njani?
Imisebenzi yokuKhutshwa kweKhadi yeMali
Ukukhwabanisa ngekhadi lokuthenga ngetyala kukuhlobo lokuthengwa kwekhadi lokuthenga ngetyala. Xa ukugqithisa kusetyenziswa isicatshulwa esincinci ukweba ulwazi lwekhadi lokuthenga ngetyala kwi-credit card ethe xaxa.
Xa i-credit card okanye i-debit card ishukunyiswa ngokusebenzisa iskrini, ifowuni iyabamba kwaye igcine zonke iinkcukacha ezigcinwe kumgca wamagneti wekhadi. Umgca uqulethe inombolo yekhadi lesikweletu kunye nomhla wokuphelelwa yisikhathi kunye negama elipheleleyo lomnini wekhredithi. Amasela asebenzisa idatha ebiwe ukwenza amacala enkohliso okanye i-kredit credit card.
Amakhredithi ekhadi lokuthenga ngetyala (credit card skimmers) ahlala esetyenziselwa ukwenziwa kwekhadi lokuswayipha kuma-ATM kunye nezitishi zegesi, kodwa abacwangcisiweyo bangafakwa ngaphezu kweyiphi na yomfundi wekhadi lokuthenga ngetyala. Ngama-ATM, i-crooks inokubeka kwakhona ikhamera encinane, engabonakaliyo ekufuphi ukurekhoda ukuba ufake iPIN yakho. Oku kunika isela lonke ulwazi olufunekayo ukwenza amakhadi amanga kunye nokurhoxisa imali kwiakhawunti yokujonga ikhadi.
Ngamanye amaxesha, abanye abathengisi nabathengisi abasebenzisa amakhadi esikwereti baqashwa ukuba babe yingxenye yendandatho yokucoca. Laba basebenzi basebenzisa isicatshulwa sokubamba ukukhangela ikhadi lakho lesikweletu ngexesha lokuthengisa ngokuqhelekileyo.
Ngokomzekelo, sihlala sinikela amakhadi ethu phezu kwabakhonkqo ukukhawula iteksi yokutyela. Umlungiseleli uyahamba kunye namakhadi ethu okuthenga ngetyala kwaye, ngenxa yokulondoloza ukungathembeki, eli li thuba eligqibeleleyo lokutshintshela ikhadi lesikweletu ngokusebenzisa iskrini ngaphandle kokufunyanwa.
Xa ulwazi lwekhadi lesikhwama libiwe, amasela aya kudala ikhadi lokuthenga ikhredithi ukuze athenge ukugcina, sebenzisa i-akhawunti ukwenza ukuthengwa kwe-intanethi, okanye uthengise ulwazi kwi-intanethi.
Amaxhoba ekhadi lokuthenga ngetyala ngeenkokhelo ngokuqhelekileyo ayengazi ukubiwa kuze kube yilapho ebona iintlawulo ezingagunyaziswanga kwiakhawunti yabo, ukuba ikhadi labo lingalindelekanga, okanye bafumane isaziso sokurhweba kwi-imeyile.
Indlela yokwenza i-Skimmer yeKhadi leKredit
Izixhobo zokurhweba ngamakhadi ezikhredithi zicwangciselwe ukudibanisa ngokungahambisani nomatshini. Ngaphandle kokuba ukhangele ngqo idivaysi yokucoca, awukwazi ukubona nto ngaphandle kwesiqhelo. Khangela izikhangeli zamakhadi zekrediti apho uphendulela ikhadi lakho lekredithi, kodwa ngokukodwa kwizikhululo zegesi kunye nama-ATM. Ukuqhelana nokujonga kunye nokuvakalelwa kwabafundi bekhadi lokuthenga ngetyala kungakunceda ukuba ufumane xa kukho into engekho kwindawo. Nazi ezinye iindlela zokufumanisa idilesi yekhredithi yokukhwela i-credit card.
Umfundi wekhadi lokuthenga ngetyala (credit card reader) okhupha kude nepaneli . Iimpawu zenzelwe ukulungeleka ngaphezu komfundi wekhadi lokuthenga ngetyala. Ukuba ubona umfundi wekhadi lekhredithi okhupha ngaphandle kobuso bomatshini bonke, unokuba ngumgca. Oku kubaluleke kakhulu xa kukho inxalenye eyongezelelweyo ibonakala ifakwe kumfundi wekhadi lokuthenga ngetyala.
Kwisikhululo segesi, unokuthelekisa umfundi wekhadi lokukhangela ngamakhredithi kubafundi kwiipompo ezikufuphi. Ukuba kukho into ebonakalayo eqhelekileyo, thintela ukuhlawula kumpom.
Ukuhlawula ngaphakathi okanye ukuya kwesinye isiteshi segesi.
Ingxenye yomfundi wekhadi lokuthenga ngetyala (credit card reader) ikhululekile okanye ishukunywe xa igxininiswa . Umfundi wekhadi lokuthenga ngetyala makafaneleke ngokukhuselekileyo. Iimpawu zokuhamba ziphawu lokufundwa ngumfundi okanye ukuba ifowuni yokukhangela ifakwe kumfundi okhoyo.
Isitywinelo sekhuseleko esiye savalwa . Izitishi zeGesi zibeka iileyile yezokhuseleko kuyo yonke ipompo yegesi ekwazisa ukuba iqela lekhabhinethi kwi-dispenser fuel has been. Xa uqikelele, ilebula inombala obomvu, obomvu okanye umnyama. Nangona kunjalo, xa itywina liphuliwe, amagama athi "Vukile Vula" ibonakala emhlophe. Ukuba itywina liphukile, luphawu lokuba umntu ongenagunyaziso uye wafikelela kwikhabhinethi. Vumela umgcini-khululo wegesi ukuba azi kwaye angawusebenzisi umshini wekhadi lesikweletu kwipompo.
I-pinpad eyimbi ngaphezu kokuqhelekileyo .
Ukongeza kwidivayili yokucoca, amasela angafaka ikhiphedi yefakeli phezulu kwinene ukuze ubambe iifayile zakho. Ngale ndlela banokubamba ipini yakho okanye ikhowudi ye-zip yokukhokhisa ngokukongeza kwi-credit card yakho okanye iinkcukacha zekhadi. Ukuba izitshixo zibonakala zilukhuni ukuchukumisa, zula ikhadi lakho uze usebenzise enye i-ATM. Sebenzisa i-ATM yasebhanki, engenakwenzeka ukuba i-skimmer, kunokuba i-ATM kwisitishi okanye kwisikhululo segesi.
Indlela yokukhusela nokuThola ukuKhutshwa kweKhadi lokuTyala
Ngombulelo, ezininzi iibhanki kunye nabaniki bamakhadi bamatyala baya kuba bhetele ekufumaneni ukuthengiswa kweenkohliso kwaye abanakho ukucwangcisa iintlawulo zesohlwayo uze uqinisekise ukuba uqalise ukuthengiselana.
Ukusebenzisa nje ikhadi lakho lekhredithi kukubeka engozini yokuba lixhoba lokukhawulwa kwekhadi lesikweletu. Iziganeko zekhadi lokuthenga ngekhredithi zingaba nzima ukuzibona. Ngaphandle kokuba uyazi oko ukhangeleyo, kunokuba nzima kakhulu ukufumana izixhobo zokucoca.
Ukufumana amatyala enkcitho enxulumene nesiganeko sokukhupha kufuna ukuba ujonge ii-akhawunti zakho rhoqo. Qaphela ukujonga kunye nekhadi lakho lekhadi lokuthenga ngekhredithi kwi-intanethi ubuncinci ngeveki kwaye msinyane uphawule nayiphi na into esolwayo kwi-bhanki yakho okanye umniki wekhadi lesikweletu.
Nazi ezinye iingcebiso ezimbalwa zokuphepha ukhuseleko lwekhadi lesikweletu.
- Jonga apho uthenga khona . Iindawo zokutyela, imivalo, kunye nezitishi zegesi zibonakala ziindawo apho iziganeko zekhadi lesikweletu zenzeka rhoqo. Ivenkile yokuthengisa kunye nee-ATM, ngokukodwa ii-ATM ezizimeleyo (ezo ezingekho kwibhankini) zikwazo ziindawo eziza kufumaneka.
- Hlola ii-ATM ngaphambi kokuzisebenzisa. Kwi-ATM, abadlali bavame ukubeka ikhamera ngaphakathi kweso sithuba sokutsala iPIN yakho. Ezi ikhamera zihlala zincinci kwaye zinzima ukuzibona. Xa usebenzisa i-ATM, gcina isandla sakho njengoko uthayipha i-PIN yakho ukugcina ikhamera ekubambeni imbono yento oyibhalayo.
- Ungabi lixhoba "lokucoca ngamakhadi okuthenga ngetyala" apho ulwabizo luthi luhlambulule umgca wamagneti kwikhadi lakho lekhredithi ukwenzela ukuba lisebenze ngcono. Lawa masela alulaza ekhadini lakho lekredithi ngekhredithi yekhadi lesikweletu kwaye uthathe ulwazi lwekhadi lakho lesikweletu.
Indlela yokuBala iCredit Credit Skimming Loss
Ukuba ucinga ukuba ube lixhoba lekhadi lokukhwabanisa ngekhadi, qhagamshelana nebhanki yakho okanye umniki wekhadi wesikweletu nangona ungayiboni nayiphi na ityala lokukhwabanisa. Ngokukhawuleza ubika uxolongo lwakho, ngoku ngakumbi uzikhusela ekubeni uxanduva lweentlawulo ezingagunyaziswanga. Ukubonelela ngeenkcukacha ezininzi malunga nendawo ekhoyo yokumisa, umz. Indawo ye-ATM okanye isiteshini segesi oye watyelela, unokunceda ibhanki ikuthintele ukulahleka kwexesha elizayo.
Qaphela i-Federal Trade Commission. Bavame ukusebenza ukuze baqheke iikhonkco ezinkulu zokukhangela amakhadi. Isikhalazo sakho siya kunceda ukuloba amasela.