Abahlaseli baqamba njalo izindlela ezintsha zokukhwabanisa emkhakheni wokusabalalisa imali engekho imali. Ngokwezibalo, kusukela kuma-akhawunti e-elektroniki aseRussia, "asuswe" yi-ruble ayizinkulungwane eziyi-1. ngonyaka. Ukuze ufunde ukuthi ungavikela kanjani ikhadi lebhange kusuka kumakhohlisi, kubalulekile ukuqonda imigomo yokusebenza ubuchwepheshe bokukhokha bwanamuhla.
Okuqukethwe
- Izindlela zokuvikela ikhadi lebhange kusuka kumakhohlisi
- Ukukhwabanisa kwefoni
- Ukweba ngokusebenzisa izaziso
- Ukukhwabanisa kwe-inthanethi
- Ukukhamuluka
Izindlela zokuvikela ikhadi lebhange kusuka kumakhohlisi
Uma usola ukuthi ube yisisulu sokukhwabanisa, sibikele ebhange lakho ngokushesha: uzokhanselwa ikhadi lakho bese kukhishwa entsha
Ukuzivikela kubonakala sengathi kungokoqobo. Udinga nje ukuthatha izinyathelo ezithile.
Ukukhwabanisa kwefoni
Inketho evame kakhulu yokweba imali, eqhubeka nokuthenjwa abantu abaningi, ifoni. Abakwa-Cybercriminals xhumana nomnikazi wekhadi lebhange bese umtshele ukuthi livinjelwe. Abathandi bemali elula baqinisekisa ukuthi isakhamuzi sinikeze lonke ulwazi oludingekayo mayelana nemininingwane yabo, khona-ke bayokwazi ukuyivula manje. Ngokuvamile, abantu asebekhulile babhekana nokukhwabanisa okunjalo, ngakho kufanele nixwayise izihlobo zenu ngale ndlela yokukhwabanisa.
Kubalulekile ukukhumbula ukuthi abasebenzi basebhange ngeke bafune ukuthi iklayenti labo linikeze ngocingo ngemininingwane ngekhodi ye-PIN noma i-CVV (ngemuva kwekhadi). Ngakho-ke, kuyadingeka ukwenqaba ukuthola noma yiziphi izicelo zaloluhlelo.
Ukweba ngokusebenzisa izaziso
Esikhathini esilandelayo sokukhohlisa, abakhohlisi abaxhumana nomuntu ngokukhuluma. Bathumela isaziso se-SMS kumnikazi wekhadi leplastiki, ecela ulwazi oluningi olusolakala ukuthi liyadingeka ngokushesha ebhange. Ngaphezu kwalokho, umuntu angavula umlayezo we-MMS, emva kwalokho imali ezobhalwa ekhadini. Lezi izaziso zingafika ku-imeyili noma inombolo yeselula.
Akufanele nanini uvule imilayezo eya edivayisini ye-elektronike evela emithonjeni engaziwa. Ukuvikelwa okwengeziwe kulokhu kunganikezwa isofthiwe ekhethekile, isibonelo, i-antivirus.
Ukukhwabanisa kwe-inthanethi
Kukhona inombolo enkulu yewebhusayithi ye-scam eqhubeka nokugcwalisa i-intanethi futhi ifakwe ngaphakathi kokuthembeka kwabantu. Kwabaningi babo, umsebenzisi ucelwa ukuba ufake ikhodi yokuqinisekisa nephasiwedi yebhange ukuze athenge noma yiziphi ezinye izenzo. Ngemuva kokuba ulwazi olunjalo luwela ezandleni zabafaki, imali isuke ibhalwe phansi ngokushesha. Ngenxa yalesi sizathu, izinsizakalo ezithembekileyo kuphela ezisemthethweni kufanele zithembeke. Noma kunjalo, okukhethwa kukho kungcono ukuklama ikhadi elihlukile lokuthenga inthanethi, okungeke kube khona imali enkulu.
Ukukhamuluka
Abakwa-Scrimmers kuthiwa amadivaysi akhethekile afakwe abakwa-Scammers kuma-ATM.
Ukuqaphela ikakhulu kufanele kuhokhwe lapho uhoxisa imali kuma-ATM. Abakhohlisi baye bahlakulela indlela eyaziwayo yokweba imali engekho imali okuthiwa i-scriming. Izigebengu zihlomile ngezikhali zobuchwephesha futhi ziveza ulwazi mayelana nekhadi lebhange lomuntu oyisisulu. I-scanner ephathekayo ikhiphe umamukeli we-carrier yepulasitiki futhi ifunde yonke idatha edingekayo kusuka kumateyipi omhlaba.
Ngaphezu kwalokho, abahlaseli kumele bazi ikhodi ye-PIN, engena ezihlwini ezikhethwe ngokukhethekile kule nkampani iklayenti ebhange. Leqoqo eliyimfihlo lezinombolo lizokwaziwa ngosizo lwekhamera efihliwe noma ikhibhodi encane ye-invoyisi efakwe kwi-ATM.
Kungcono ukhethe ama-ATM aphakathi kwamahhovisi amabhange noma amaphuzu avikelwe anesistimu yokuqapha ividiyo. Ngaphambi kokusebenza ne-terminal, kunconywa ukuba uyihlole ngokucophelela futhi uhlole ukuthi kukhona yini okusolisayo ekhibhodi noma kumfundi wekhadi.
Zama ukuvala i-PIN oyifaka ngesandla sakho. Futhi uma kwenzeka noma yikuphi ukuphazamiseka akushiyi isofthiwe ne-hardware. Masinyane xhumana ne-hotline yebhange elikukhonzayo, noma usebenzise usizo lwabasebenzi abaqeqeshiwe.
Ukuvikelwa kwe-RFID yisendlalelo sensimbi esivimbela ukuxhumana nomfundi we-scam.
Izindlela ezingeziwe zokuvikela kuzoba izinyathelo ezilandelayo:
- Umshuwalense wemikhiqizo yasebhange esikhungweni sezimali. Ibhange elikunikeza ngezinsizakalo zalo lizothatha umthwalo wokuhoxiswa okungagunyaziwe kusuka ku-akhawunti. Isikweletu nesikhungo sezezimali sizobuyisa imali kuwe, noma ngabe uphangiwe ngemuva kokuthola imali kusuka ku-ATM;
- xhuma i-SMS esemthethweni-imeyili kanye nokusetshenziswa kwe-akhawunti yomuntu siqu. Lezi zinketho zizovumela iklayenti ukuthi ihlale ikwazi zonke izenzo ezenziwa ngekhadi;
- Ukuthengwa kwekhredithi evikelekile ye-RFID Lesi silinganiso sibalulekile kubanikazi bamakhadi epulasitiki angenakuxhumana nabo. Ingqikithi yenhlanganisela yokukhwabanisa kuleli cala yikhono lokufunda izimpawu ezikhethekile ezikhiqizwa yi-chip ngakwesokunene. Uma usebenzisa isithwebuli esikhethekile, abahlaseli bayakwazi ukukhipha imali ekhadini ngenkathi besendaweni engamamitha ayi-0.6-0.8 kusuka kuwe. Ukuvikelwa kwe-RFID kungqimba lensimbi olukwazi ukuthola amavaysi omsakazo futhi luvimbele amathuba okuxhumana komsakazo phakathi kwekhadi nomfundi.
Ukusetshenziswa kwazo zonke izigcini zokuvikela ezingenhla kungenzeka ukuthi zivikele noma iyiphi i-plastic card holder.
Ngakho-ke, konke ukungena okungekho emthethweni emkhakheni wezezimali kungalinganiswa kakhulu. Kudingekile ukuthi usebenzise kahle izindlela zokuzivikela futhi uhlolisise ngezikhathi ezithile izindaba emkhakheni we-cybercrime ukuze ufunde ngezindlela ezintsha zokukhwabanisa futhi uhlale usenkonzweni.
