Ukukhwabaniswa kwe-Akhawunti ye-Akhawunti kwiindlela ezininzi
Kule chungechunge lwezithuba siye saxubusha ukukhwabanisa kwe-Akhawunti ye-Akhawunti kwiindlela ezininzi, ukuba kwenzeka njani kwaye naziphi na izigebengu eziphumeleleyo 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 ezilishumi esizifake kwizithuba zangaphambili:
- Ikhredithi yeCredit Credit
- Hacking
- Izikratshi
- Utshintsho lwedilesi yokuposa
- Ukukhwela
- UkuPhatha
- Ubuqhetseba befoni
- Ukufuna
- Ukunyuka kwempahla kuhlaziywa ngobuqhetseba
- Hlola ubuqhetseba
Ukufumanisa ukuthatha i-akhawunti
Amakhadi-mboleko: alahlekileyo okanye abiwe amanani ekhadi lokuthenga ngetyala (credit card numbers) asetyenziselwa ukuba umnikazi wekhadi avimbe ngokubiza inombolo yeeyure ezingama-24 ukukhupha ikhadi. Kwiimeko ezininzi, ngaphandle kokuba i-wallet ibonakale ilahlekile, isela lingaphila kwiiveki ezenza iindleko ngaphandle kokwazi umnikazi wekhadi. Uninzi lwamasela ozazisi luza kukhawuleza lukhawuleze ngokukhawulela ibhalansi yayo ibe yimali. Ixhoba alisoloko libona ukukhwabanisa de kube yifumana ingxelo yephepha kwaye igcine iimali ezingagunyaziswanga. Ukuba umnikazi wekhadi uye wamisa i-akhawunti ye-intanethi ukufikelela nokubeka esweni i ingxelo zabo, kunye nokuthengiselana kwangoku, bafumana ukukhwabanisa ngokukhawuleza.
Iikhampani zekhadi zekhredithi nazo zinekripnoloji yokufumanisa i-anomaly endaweni ebenza bawabhengeze iintlawulo ezingenakunengqiqo okanye zisola ngokubhekiselele kwimikhuba yokuchitha imali yomnini-khadi, ukuziphatha kokuthenga okanye indawo yokuthengiselana.
Umzekelo uza kuba xa umnini-makhadi ezithengiweyo kwindawo yedolophu yaseBoston kwisikhululo segesi emva kweyure emva koko kuthengwa kwintengiso yokuthengisa eRomania. Isofthiwe yokufumanisa i-Anomaly yayiza kubhenela ngokubomvu oku njengokukrokra, mhlawumbi ubuqhetseba, kuba kungenakwenzeka ukuba ivela eBoston ukuya eRomania ngeyure enye.
Iibhanki zebhanki: iibhanki zinenkqubo ezifanayo xa ubuqhetseba buqhutyelwa usebenzisa ikhadi le-debit yomnini-akhawunti elenza ngokufana nekhadi lesikweletu. Nangona kunjalo, xa ikhadi lokudinga lifuna ikhowudi ye-pin, ubuqhetseba abufumaneki rhoqo, ukuba ngaba, ngebhanki ekhuphayo ngenxa yobume bentengiso. Kucingwa ukuba ipini isetyenziswe kuphela ngumnikazi wekhadi.
Amalungelo kunye neemfanelo zabathengi
Amakhadi eemboleko: Imithetho yeSithili iyanciphisa uxanduva lomnini-khadi kwi-$ 50 kwimeko yokukhwabanisa kwekhadi lesikweletu, nje kuphela ukuba umgcini wekhadi aphikisana necala kwiintsuku ezingama-60. Amaxhoba ekhredithi yamakhadi adibanisi kufuneka aziswe ibhanki zingakapheli iintsuku ezimbini ukwenzela ukukhuselwa ngumda we-$ 50. Emva koko, uxanduva oluphezulu luya kwi $ 500. Kwaye ukuba ixhoba alifumani okanye lichaze ubuqhetseba kude kube emva kweentsuku ezingama-60, umthwalo onokuthi ube yi-balance balance card, kwi-debit okanye kwikhadi lekhredithi. Xa ikhadi lakho lokubambisa lihlehlisiwe, ungeke ufumanise de kubekho ikhefu iqhuba okanye ikhadi liyanqatshelwe. Kwaye xa uthe wabuyisela imali, isela lingakwazi ukuqala kwakhona, ngaphandle kokuba ukhansele i-akhawunti okanye utshintshe iinombolo ze-akhawunti ngokupheleleyo.
Iibhanki zeBhanki: Ngo-2007, isibini sase-US sagxothwa kulwaphulo lobunikazi xa isalathisi sifike kwi-akhawunti yebhanki ye-intanethi kwaye saba i-26,500 $ ukusuka kumgca wesikweletu semali.
Imali yadluliselwa kwibhanki yase-Austrian engavumi ukubuyisa imali kwi-bhanki yabo. Ngoko ibhanki yazisa loo mbhangqwana ukuba babejongene nokulahlekelwa. Xa isibini savuma ukuhlawula, ibhanki yazisa i-credit bureaus yokuba i-akhawunti yabo yayingenakudlalwa kwaye isongelwa ukuba igxininise kwikhaya labo. Ngoko loo mbhangqwana yatsho ibhanki, ifuna ukuphulwa komthetho we-Electronic Funds Transfer Act kunye ne-Fair Credit Reporting Act, kunye nokumangalela ibhanki yokunganakwa. Kule meko, ijaji ibone ukunganaki okwenzelwe egameni lebhanki ukuvumela ukuba ityala liye enkundleni.
Uninzi lweebhanki "zineemfanelo zerhafu" ezikhoyo ezenza amakhasimende asebhanki aphile emva kobuqhetseba. Kodwa kukho imida ehlanganiswe kwiimeko ezininzi. Kubalulekile ukuphonononga iinkcukacha ezifanelekileyo kuyo yonke imiqathango yenkonzo kunye nemiqathango ukuqinisekisa ukuba yintoni amalungelo kunye neemfanelo.
Ukuququmbela
Ukwazisa: kukho inani lezinto abathengi abanako kwaye kufuneka bayenze ukukhusela ubuqhetseba. Okokuqala nokuphambili, ulwazi lweempawu ezihlukeneyo kunye naluphi na ukurhoxisa amasela olwazi ukusebenzisa i-client data kubalulekile. Xa abathengi banolwazi olunzulu malunga noluphi na uhlobo lokubheka, abakuncitshiswa kakhulu. Izinto ezisisiseko ezifana nokutshiza iphepha elingafunekiyo kunye nokukhuseleka ngokomzimba ekhaya kunye neofisi kubalulekile.
Ukhuseleko lwekhompyutha: kuluntu oluxhomekeke kwi-e-commerce namhlanje kubalulekile kunoma yimuphi umsebenzisi wekhompyutheni yasekhaya, i-SMB kunye nezoshishino ukuba zibe neenkqubo ezikhoyo ukukhusela idatha yabo kunye neenkcukacha zabo. Ezi zikhuselo zenkqubo zikhoyo zivela kwindawo engaphephekanga ngokupheleleyo kwaye ikhusele i-99 ekhulwini yexesha. Akukho nto ikhuselwe yi-100 yeepesenti yokukhusela , kodwa wonke umntu obandakanyekayo kwinkqubo ye-e-commerce kufuneka athathe uxanduva lokhuseleko lwazo ukugcina abantu ababi bephuma.
Ubume bokukhusela ubuqhetseba : igama elithi "ukweba ubunikazi" lubandakanya ezininzi iintlobo ezahlukeneyo zobuqhetseba. Ubume bokuba ubuqhetseba ngokubanzi malunga neengxaki ezingama-dollar ezingama-50 ezichaphazela abantu abayizigidi ezili-10 ngonyaka. Kukho iintlobo ezininzi zokuba utywala kunye nezindlela ezininzi zokukhusela ukuba kwenzeke. Kwimeko yemozulu yolwaphulo-mthetho, kubalulekile ukwenza utyalo-mali kwiinkonzo zokukhusela ubusela. Ngaphandle kokufumana uhlobo lokukhusela endaweni, umboleki unobungozi kwiindidi ezininzi zokuba utywala ezingabachaphazela kakubi ukulinganiswa kwazo kwekhredithi kunye nokukwazi ukusebenza ngemali.