Uphando olutsha lukhutshwe nje olujonge kwiimeko zokuba utshintshi ngo-2016. Olu phando lubonisa ukuba i-$ 16 yezigidigidi ezithe zabiwe ngaloo nyaka, kwaye zachaphazela abantu abayizigidi ezili-15,4. Oku kuphathelele kuba ngo-2015, amanani aphantsi: i-15.3 yezigidi zebiwe kunye nezigidi ezili-13.1 ezichaphazelekayo.
Unokucinga ukuba oku kuphela kuvela kwikratshi yekhredithi, kodwa akunjalo. Ukongezelela, ivela kwi-fraud entsha yeakhawunti.
Le yilapho i-cybercriminal ivula i-akhawunti entsha yezimali ngokusebenzisa ulwazi lomntu olubiweyo, njengegama kunye nenombolo yokhuseleko loluntu, kumaxhoba abo.
Ukukhwabanisa Izikhalazo kunye noLwazi lweNtshontsho entsha
Inethiwekhi yeSetinel Network, eyingxenye ye-FTC (i-Federal Trade Commission) iye yamatyala okulandelela ubuqhetseba kunye nezikhalazo zokuba utywala .
- Kwakukho izikhalazo eziyizigidi ezi-3.1 eziye zangena ngo-2016, kwaye ezigidi eziyi-1.3 zazo zazinxulumene nobuqhetseba.
- Ezi zihlandlo zithengela abathengi malunga nezigidi ezingama-745 ezigidi.
- Isigaba sikhalazo esiphezulu esiphezulu sikhalazo sokuqokelela izikweletu kwi-66 pesenti yazo zonke izikhalazo zobuqhetseba.
- Iipesenti ezingama-13 zezikhalazo zibangelwa ukwebiwa kwezazisi.
Ukuqaphela ukuCebber
Njengoko amashishini amaninzi axhomekeke kwiinkcukacha zekhompyutha kunye nedatha yecomputer imisebenzi yemini yemihla, ulwazi oluthe xaxa nolunye lukwaziswa. Oku, okwenyani, ushiya ulwazi olubonakaliswe kuma- cybercriminals kwaye ubeka iinkampani iinkcukacha zokuphulwa kwedatha.
Zonke iinkampani zisengozini kule nto, nokuba ezo zibonakala zingenakwenzeka:
- Ngo-2015, i-Anthem ne-Premera Blue Cross yaphulwa. Olu phulo luchaza ulwazi lomntu wabantu abangaphezu kwezigidi ezingama-90.
- Urhulumente waseUnited States uye waphuhliswa ngamaxesha amaninzi nangaphezu kwamasebe athile. Abantu abayizigidi ezingama-22 bachaphazelekayo.
- Iziganeko zokuphulwa zikhula ngonyaka emva konyaka. Kukho i-780 ngo-2015, kunye no-1,093 ngo-2016.
- Abakwa-Cybercriminals bajolise kakhulu kumashishini, kodwa iinkampani zonyango / ezonyango zenze iipesenti ezingama-34,5 zephulaphulo-mali ngo-2016. Imveliso yezemfundo yenza iipesenti ezili-9 zazo zonke iziphulo, kwaye urhulumente wase-US / umkhosi wase-US wenza ama-6.6 ekhulwini kuwo onke amaphule.
- Ukususela ngoDisemba 27, ngo-2017, kubekho ukuphulwa kwe-1,339 kunyaka, kwaye iirekhodi ezingama-174 zezigidi zabantu ziboniswe.
Ukukhutshwa kweedatha nje kuphela yinxalenye yebali, nangona kunjalo. Ezi mpazamo zichaphazela le nkampani ngemali. Ngo-2014, iZiko leSicwangciso-qhinga kunye neZizwe zoMhlaba zihlangene noMcAfee ukukhulula olu lwazi lulandelayo:
- Ukulahlekelwa kwehlabathi kwii-cybercrimes kuvela kwi-375 billion zeebhiliyoni ukuya kwii-575 zeebhiliyoni.
- Iindleko eziqhelekileyo ze-cybercrime ngo-2015 zaziyi-$ 15 yezigidi, eziye zavela kwi-12.7 yezigidi ngezigidi ngo-2014.
- Iindleko nganye kwinkampani zivela kwi-$ 1.9 yezigidi ukuya kwizigidi ezingama-65 zezigidi.
Ukulwa nale nto, kukho ukunyuka phakathi kweenkampani zomshuwalense ezinikeza i-cyber inshurensi. Kukho iinkampani ezingaphezu kwama-60 ezinikela ngomshuwalense we-cybercrime, owenziwe malunga nama-premium angama-2.75 yezigidigidi ezibhalwe iiprayimari ngo-2015. Ngo-2016, eli nani liye laya kwi-3.25 billion yezigidi.
Ukwabiwa kweNkcukacha ekukhuphukeni
Kungakhathaliseki ukuba ukhangele njani, ubusela besazisi ngokuqinisekileyo. Ngokutsho kweSicwangciso soPhando kunye noPhando, ngo-2015, amasela angamazisi ayenamaxhoba ayizigidi ezi-1.5, aphindwe kabili ukususela ngo-2014.
Ngokuqaliswa kwamakhadi e-chip, bekucingelwa ngabantu abaninzi ukuba la manani aya kuwa. Nangona kunjalo, i-cybercriminals iyingqiqo, kwaye endaweni yokugxininisa kumakhadi-mboleko, baqulunqa kwaye bajonga ngamathuba ahlukeneyo. Ngokunyanisekileyo, yonke isela kufuneka uyiyo inombolo yakho yoKhuseleko loLuntu kwaye umnyango uvulekile kakhulu. Xa befumene oko, zonke iinkcukacha eziyimfuneko, ezifana negama nedilesi, kulula ukuyifumana. Basebenzisa le ngcaciso ukuvula ii-akhawunti ezintsha kumagama exhoba, kwaye ezi zilandelayo ziyakwenzeka:
- Iinyanga, nokuba neminyaka, idlule ngaphandle kwexhoba eliqaphelayo ukuba iibhanki okanye iakhawunti yamakhadi ekhredithi evuliwe egameni labo.
- Amanye amaxhoba akafumananga ukuba ulwazi lwabo luye lwacatshiswa.
- Kwakhona kunokwenzeka ukuba iibhanki aziqondi ukuba ezi ngxelo zibuqhetseba.
Enye yezinto ezidume kakhulu apho apho amaza angabonakali kukuthanda ukudala ubunikazi obunkohliso. Oku, kunjalo, kunamaqhinga. Ngokwenene benza i-identity based based on information steal and partially made. Ngoko, umzekelo, bangasebenzisa inombolo yakho yoKhuseleko loLuntu, kodwa idilesi eyenziwe kunye negama. Oku kubizwa ngokuba yi-ID yokwenziwa. Amabhanki awakwazi ukuba kwenzeke, kwaye abakwa-cybercriminals bazi ukuba kunzima ukuzibamba kwisenzo.
Izigwenxa zisebenzisa ii-ID zoMpawu
Kukho iindlela ezimbini zokusebenzisa i-cybercriminals ngale ngcaciso. Okokuqala kuthiwa ukusetyenziswa kwe-ID, apho bakusebenzisa khona ubungqina obubiweyo, kodwa bazalise kunye nokwenza ulwazi. Oku kunceda baphephe ukubanjwa. Into yesibili abanokuyenza yithiwa ngama-synthetics okukhawuleza. Yilapho bathabatha ulwazi kwiqela lamanye amaxhoba okwenene, bese usebenzisa loo ngcaciso ukudala ubunikazi obutsha, obutsha.
Amabhanki angayenza njani le nto?
Nangona kunzima ukuyiqonda, kukho ezinye izinto iibhanki ezinokuyenza ukuyeka le nxaxhiso:
- Qala ukuhlalutya idatha yefowuni ukubona ukuba kukho na iipateni ezibonakalayo. Abaninzi be-cybercriminals basebenzisa iifowuni zeVoIP ezihlawulwa ngaphambi kokuba baphonse ngaphandle.
- Khangela imbali ye-imeyile. Iilesi ze-imeyile ezintsha ze-akhawunti ezindala zihlala zibonakalisa ubuqhetseba. Kwakhona luphawu lobuqhetseba ukuba idilesi ye-imeyli ingahambelani nefowuni yeselula yomthengi.
- Ukubandakanya iinkampani ezinjenge-ID Analytics, ezenza "amanqaku" eenkcukacha zabathengi ngokusekelwe kwiirekhodi ezisemthethweni ezaziwayo.
AbaKhupheli beKhadi leKhadi bangayenza njani le nto?
Abaniki bamakhadi ngamakhadi banokuthatha amanyathelo okumisa olu hlobo lolwaphulo-mthetho:
- Yenza okungakumbi iinkcukacha zokuhlola ngaphambi kokukhupha i-credit.
- Khangela iiflegi ezibomvu, okt idilesi enye kubaxumi abaninzi.
- Yenza okungaphezulu kokuhlolwa komngcipheko omnye. Ukuba kukho utshintsho emva kweentsuku ezimbalwa, luphawu lokuba kukho into engalunganga.
Ungayimisa njani le nto?
Ukwebiwa kwezinto zobunzima bobunzima kunzima ukuphawula ngamanye amaxesha. Ngokomzekelo, isela lesazisi lingasebenzisa inombolo yakho yoKhuselo loLuntu, kodwa kungekhona igama lakho. Oku kuthetha ukuba ungeke uqaphele ukuba ulixhoba. Kodwa, kukho izinto onokuzenza ukuze uzigcine uphephile:
- Hlola ingxelo yakho yemali ngonyaka.
- Cinga ngohlobo oluthile lokukhusela ulwaphulo. Ezi nkonzo zibeka iliso kwi-SSN yakho kumsebenzi osolisayo.
- Khuphela i yakho ngetyala. Oku kunceda ukukhusela nayiphi na i-akhawunti entsha ukuvulwa ngegama lakho kunye ne-SSN.
Ukuthabatha apha kukuba iibhanki kunye neenkampani zekhadi zekhredithi kufuneka zenze umsebenzi ongcono ngokubhekiselele ekuhloleni iakhawunti kodwa nokuvuma ii-akhawunti ezintsha. Nangona unako ukwenza inxalenye encinane ngokwakho, kufuneka uphakamise kwi-plate, nayo.