Ukukhwabanisa nge amakhadi asebhange kanye ekulweni naso. Indlela uzivikele ukukhwabanisa

Plastic ikhadi lasebhange iyindlela jikelele yokukhokha. Linikeza ayimi ukufinyelela imali eziqukethwe akhawunti yakho yamanje. amakhadi Plastic kungenziwa debit nama-credit. I sihloko sigxile kanjani ukukuvikela enkohlisweni.

Funda kabanzi ngamakhadi

ikhadi Plastic ngokwayo ayinazo imali. Bonke bangabangasokile ngezindleko yomnikazi. Ucezu plastic - nje izindlela ukufinyelela imali.

Ohlangothini olungaphandle imininingwane umnikazi ikhadi sika ahlelwe, okuyizinto ezidingekayo ukuze ibhange ukukhomba futhi isinqumo ukwenza isenzo esiceliwe. Ukusebenzisa ikhadi, akusho ukuthi khona layo emzimbeni. Engingakusho nje ucacise imininingwane.

Kuze kube manje, yasungulwa eziningi ukushiya ehloniphekayo umnikazi yasebhange debit noma credit card kungekho izimali. Ibhalwe ngu ahlukahlukene malware. Ebiwe idatha siqu wekhadi. Kwemvume amaseva izinkampani namabhange. Ngokuthumela isigijimi esihlukile kwefoni ephathekayo Ngakho izakhamuzi kalula izigebengu ezithola ngayo ukufinyelela akhawunti, njll Ukukhwabanisa nge amakhadi asebhange - ibhizinisi ezingeyona ingozi elula futhi. Futhi lokhu kungenxa yokuthi ukubamba umhlaseli, futhi mlandu yakhe ngisho simple. ubugebengu Cyber emphakathini wanamuhla ngokusebenzisa ulwazi nobuchwepheshe ngezinhloso lobugebengu kuyinto okukhulu. Kwenza abanikazi bamakhadi babe abathunjwa lesi simo siyaphuthuma futhi ngakho-ke uchayeke ekuphathweni imikhonyovu.

Izindlela ukufinyelela amabalazwe

Ukukhwabanisa nge amakhadi asebhange kungavuka enye yezindlela ezimbili.

1. intshontshiwe noma mbumbulu amakhadi ukuze uthenge izimpahla Akuthengiswa kabusha.

2. Sebenzisa ezihlukahlukene tricks abahlaseli ukufinyelela ATM, i-akhawunti imininingwane ikhodi ye-PIN.

Cash Machine noma i-ATM (ovula ezenzakalelayo (ummemezeli) umshini) yakhelwe lula sebanga elikhiphe, ethola, uthumele imali, amasevisi yokukhokha kanye neminye imisebenzi yezezimali, ngaphandle iqhaza isisebenzi isikhungo credit. Ngesikhathi esifanayo ukusizakala la masevisi nganoma isiphi isikhathi sosuku. Ukwenza Izinto Zibe Lula, lula futhi ukufinyelela ngqo imali benza ATM wokwakha ethandwa phakathi kwabantu, futhi ngenxa yalokho, phakathi izigebengu.

Ukukhwabanisa nge amakhadi asebhange kwenzeka ngokusebenzisa ukuhlaselwa hacker okuhloswe ngazo ATM. Futhi, kungenziwa ngokukopisha ulwazi kusuka strip amakhadi kazibuthe, ukusungula izicupho ukuze izikweletu eholela ukunyamalala imali noma inkinga akuyona yonke imali eceliwe kusukela ATM.

Ezilahlekile noma ezebiwe ikhadi plastic ezandleni izigebengu angase abhekane yayo lokubhala umnikazi off bonke izimali aphethwe ku-akhawunti. Kuyefana nasendleleni ikhadi inkohliso yasebhange, okwenziwa egameni lomuntu othize, ngenxa okuyinto imali ikhona.

Ukubukwa enkohlisweni ikhadi

Namuhla, lolu lwazi, kuyinto efiselekayo ukufunda zonke izakhamuzi. Ukukhwabanisa ne amakhadi epulasitiki lifaka phakathi izinhlobo eziningi namaqhinga nenkohliso ezahlukene.

Manga - yokukhiqiza plastic ngemininingwane ezifanayo kuleli khadi umnikazi wangempela. Lokhu Iqhinga ikuvumela ukuba enze noma iyiphi imisebenzi. Ukugcina wena enkohlisweni, ibhange usungula isivikelo Ukukhetha imininingwane. Ukuthuthukiswa izindlela umthethelele ngokweba imali kusukela amakhadi wenza le ndlela kuyinto engabizi ngaphansi. Manje enye inketho elula ukweba imininingwane yasebhange.

Ubugebengu bokweba imininingwane ebucayi - ukweba ndlela nabakhwabanisi ngezindlela ezihlukahlukene zokuxhumana (ifoni, i-imeyili, njll) abahlangene wekhadi egameni ebhange. Umgomo wabo ukuthola umnikazi idatha yakho eyimfihlo. Ucingo bokweba imininingwane ebucayi - indlela evame kakhulu ngokweba. Njengoba umnikazi ikhadi uthola ucingo, ngokuvamile umbiko ukwazisa ukuthi wenkokhelo kwenziwa kusukela akhawunti, udinga ukukhokha izikweletu, ikhadi ivinjelwe, njll Ikholi Kwenziwa kwimodi okuzenzakalelayo futhi izwi electronic esikhishwayo ngolwazi kuyethusa ngaphandle ecacisa idatha isikhungo sezezimali, kusukela lapho umlayezo uthunyelwe. Ngemva kwalokho, ukuze uthole olunye ulwazi kumele uxhumane no-opharetha. Umbhalo ofanayo ubonise imilayezo ye-SMS kanye e-mail. Ngesikhathi socingo inombolo wabonisa opharetha uzama ukuthola ulwazi olubucayi ukuthi kamuva kuzovumela izigebengu ukuba athululele amakhadi. Ukukhwabanisa ngu yokwenza lobu bugebengu ivumela ukukopisha idatha usebenzisa idivayisi ekhethekile kwi-ATM.

Theft kolwazi ikhadi kusukela kumaseva we ezitolo inthanethi, okuyinto akudingekile ukuba ugcine amarekhodi zabanikazi abafanele. Kodwa lokhu ngokuvamile litho. I nabakhwabanisi esetshenziswa ngempumelelo.

Ngezinye izikhathi abasebenzi yasebhange abonakele ngokwazo izigebengu Imininingwane kumephu. Noma ngenxa yobudedengu kwabasebenzi lolu lwazi abe impahla bangaphandle.

Ngosizo ezikhethekile imishini nabakhwabanisi Hack ikhadi ngephinikhodi ngesikhathi ATM zisebenzisa namadivayisi ekhethekile (Micro, ikhibhodi emkhathini wezulu, ithi abafundi ikhadi). Imishini enjalo ofunda imininingwane kanye namaphasiwedi oyifakile.

Ukusebenzisa i-ATM inkohliso futhi ikuvumela ukuba amakhadi ezingenalutho. Ukukhwabanisa wenza indlela "loop Lebanese". Le ndlela ikuvumela izigebengu ukuthi zilawule ikhadi yomunye. Ngenxa yaleso nabakhwabanisi ezibekwe kule slot zedivayisi Ukufundwa ucezu ifilimu, okungadingi kumephu ophumayo ukuvulwa ngemuva kokuhlinzwa. Eduze abahlaseli zigcwalisa lesi siprofetho ngokunikela ukufaka ikhodi ye-PIN, lapho ethi khona ngemuva lesi senzo ngeke kumephu. Emva kwemizamo akuphumelelanga kwimikhonyovu ukukholisa umnikazi ukuze ujike ngosuku olulandelayo ebhange, lapho besebenza abaqoqi futhi onjiniyela, kodwa ayikho into ezokwenzeka kuze kube yileso sikhathi. Ikhadi kungenziwa ushiye ngokuphepha. Lapho umnikazi ushiya imikhonyovu ATM walulama enezithombe ibalazwe ifilimu. Ziyamkhipha zonke izindlela.

ukukhwabanisa Ikhadi lasebhange kwenzeka ngokusebenzisa CNP-ukuthengiselana, isb imisebenzi eyenziwa e inethiwekhi Inthanethi ngesisekelo imininingwane. Umnikazi yasebhange plastic yakhe azisetshenziswa.

Operations ekhadini intshontshiwe noma ilahleke, kwenzekani e isikhawu esiphakathi lezi zenzakalo futhi lock plastic. Kanti futhi, abantu abaningi abayizikhohlwa babhale phansi-PIN yakho ekhadini ngokwayo, kunoma iyiphi ephepheni noma encwadini. Uma ukweba noma ukulahleka isikhwama nge nabakhwabanisi esikhwameni babe abanikazi of hhayi kuphela konke okuqukethwe, kodwa futhi imali kwi-akhawunti siqu.

Ukuthola - indlela lapho ukuphindaphindwa ukushelela kwenzeka. It kungabuye kwenziwe izinguquko kokuqukethwe yayo. Ngenxa yalesi kwenziwa kwetheminali ngogesi noma amahlumela zeminwe amakhadi ambalwa phezu imprinter. Lokhu kuyadingeka ukuze ukwazi ukushintsha inani kuthengiselana noma ukudalwa amadokhumenti amasha yokukhokha ngemuva kokusayina ukushelela ikhasimende.

Ukubuyiswa kwe ukuthengwa okusongelayo umnikazi credit card iye lokususa. Ukuze wenze lokhu, le umkhwabanisi, hacker noma umsebenzi ibhizinisi inzuzo lapho ikhasimende kwenza ukuthenga, egcina ukusebenza nemali-back, okwandisa ibhalansi ikhadi. Umhlaseli lona udlule isebenzisa ejenti abhaliwe. Le nkampani zokuhweba ubuyisa imbuyiselo. Iklayenti uhlala abomvu.

Okufanele ukwenze uma ithola izimpawu zokuqala ukukhwabanisa?

ukusetshenziswa ngokungemthetho amakhadi okukhokha - Kuyaziwa kakhulu. isisulu sakhe kungaba ubani nedivaysi plastic. Ngakho-ke kuyadingeka ukuze uvimbele ikhadi ngokushesha lapho izinsolo kuqala. Futhi ibhange ungabhala isitatimende ukungavumelani ukusebenza, kokuphawula isizathu sokuvakasha kwazo, uma kwenzeka ngaphandle kolwazi lakho.

ukukhwabanisa ikhadi Sberbank

amadivaysi Plastic kwalesi sikhungo ngokuvamile kakhulu ngaphansi ekuhlaseleni nemikhonyovu ehlukahlukene. Izindlela ezivame kakhulu lokweba - SMS-umlayezo nge umbhalo ikhadi livinjelwe, futhi resumption of ukusebenza kuyadingeka ukuze ushayele inombolo wabonisa. izaziso Umbhalo onjalo ungathola izinkulungwane abasebenzisi Sberbank amakhadi. Ungakhohlwa ukuthi yonke imilayezo ethunyelwe Sberbank, ivela inombolo eyodwa. Uma isaziso kusuka kwenye uya khona - kuba izigebengu.

amakhadi Ukukhwabanisa Sberbank avame kwenzeka namadivayisi plastic «Master Card Standard» futhi «Visa Classic». Ngakho-ke, ukwenza ukuthenga nabo, ikakhulukazi kwi-inthanethi, kubalulekile ezitolo ezicwaningiwe, okuyinto ungafunda ukubuyekezwa.

PrivatBank

PrivatBank ukukhwabanisa ikhadi uvame eyenziwa usebenzisa skimmer. Ukuze izinombolo akambonanga ngokusebenzisa ekamelweni predetermined lapho zaphathwa PIN abahlaseli kumelwe zesundu eduze ukulandelana zidayelwe.

Enye indlela - "imali eyengeziwe", okuvumela nabakhwabanisi ukwazi ikhodi uzile SMS-umlayezo umnikazi ikhadi, yena ngokwakhe umnikazi we-akhawunti (hhayi zokusola iqhinga) ebizela othile ngocingo. It kuvamisile uma uthenga ezitolo inthanethi.

Ikhadi ukukhwabanisa "Ummbila"

Izigebengu ngokuvamile zisebenzisa esinye ngaphezulu ngendlela ezithakazelisayo ukuntshontsha imali, lapho kumephu "Ummbila" lisetshenziswa. Ukukhwabanisa kwenzeka ngokwakha i esitolo online, ayethi uzokwenza ngazo kusukela "Euroset", lapho ungenza ukuthengwa kakhulu ngemali ephansi kakhulu ezindleleni saloon. amabhonasi Plus. Ukuze wenze ukuthenga, umeluleki idinga ukuba zilawule amagama azo, usuku lokuzalwa, ibhakhodi amakhadi, izwi imfihlo, ezazingena umlayezo wombhalo, okungukuthi, ulwazi ukuthi kunoma yisiphi isimo akunakwenzeka ukusho. Ngemva kwalokho, ne-akhawunti yekhadi ezidonswe imali futhi umnikazi we-akhawunti uhlala ngaphandle ukuthenga.

Ubani izobuyisa imali eyebiwe?

Ukubuyiswa kwemali intshontshiwe izigebengu, kwenzeka emva uphenyo, okumele ukusungula amanye amaqiniso.

1. Ingabe wena umnikazi wachitha imali yabo, bese enquma ukubuyela kubo?

2. Iphutha ATM noma ebhange?

3. Noma ingabe umsebenzi esibhekene?

Uma kunqunywa ukuthi bhala-off Kwakungeyona imali iphutha wekhadi, yena ibuyiselwe lemali intshontshiwe. Umkhiphi ubophekile uyibuyisele, okuvamise hhayi ezisheshayo ukukwenza. Umthwalo isinxephezelo inikezwa yokuthengisa iphuzu noma acquirer. Nakuba ababambiqhaza ukuqonda mayelana nokuthi ubani okufanele ubuyele ukulahlekelwa futhi ubani okufanele asolwe, umnikazi wekhadi bangalindela imali yabo isikhathi eside. Ukuze hhayi uyephuza ukucabangela izenzo Regulator njengoba uhlelo lokukhokha, esiyingxenye imithetho ezivamile kubo bonke ababambiqhaza, isikhathi nokuziphatha ye-algorithm.

Inqubo kuphenywe ukweba kusukela akhawunti

Credit ukukhwabanisa ikhadi, kanye debit futhi plastic amadivayisi, kukhona izindlela ezifanayo. Lokhu kusho ukuthi uphenyo ukuhlonza labo esingamsola ngalokho okwenzakalayo ukweba kwenzeka isikimu olulodwa.

Ekuqaleni, acquirer (umnikazi ATM) is adonswe ne lemali ukuthi imiqhudelwano umnikazi. Umkhiphi (ibhange) kudinga acquirer ukunikeza imibhalo. Kufanele uqinisekise ubuqiniso ukudonsa. Unikelwe izinsuku ezingamashumi amathathu. Kungakapheli isikhathi esibekiwe inikeza acquirer amangalelwe imibhalo futhi yazi kubo nomphathi we-akhawunti. Uma iklayenti uyavuma futhi kuqinisekisa ukuthi ngempela yokusebenza, udaba ubhekwa kuzenzakalele, futhi uphenyo ivalwe. Uma acquirer uye walungiselela imibhalo iyawakha ne ukwephula, noma imigomo dengwane, lemali is ezidonswe ku-akhawunti yakhe esivuna ibhange (umkhiphi), bese ukhipha iqiniso wagomela washo ezizwakalayo. Kulesi sigaba, imali umnikazi ngeke ibuyiselwe. Ngemva yokukhansela, zingakapheli izinsuku ezingamashumi amane nanhlanu, uma kungekhona kulandele noma yisiphi isenzo ingxenye acquirer, lemali intshontshiwe udumo kwi-akhawunti yalowo onamalungelo alokho lekhadi.

Kunezimo lapho umnikazi ATM akusho kahle aphendule isicelo umkhiphi sika kumadokhumenti, njengoba ekholelwa ukuthi yena noma esidayisa akuyikuba yicala lokweba, Ngakho-ke, akudingeki ukuba umthwalo walokho. Kulokhu, uphenyo Kwenziwa ngenye indlela.

Inani efana imali eyebiwe is ezidonswe ku-akhawunti ye-acquirer wezitifiketi. Lokhu kubhalwe. Ngemva kwalokho, umkhiphi has ukufakazela ukuthi akanacala phambi acquirer. Uma lokhu kwehluleka, umnikazi ATM ibuyisela isamba okwebiwe ukuze sithole umnikazi wekhadi.

Kukhona amacala lapho ngalokho okushiwo acquirer sika kukhona akukholisi noma akufakazeli ngokugcwele kuye kwesokudla. Ezimweni ezinjalo, umthwalo wokunakekela ukweba uhlezi phezu izici eziningana inqubo kanye uphenyo kwenziwa predarbitrazhnogo zokuhlala. Ukuze wenze lokhu, umkhiphi kufanele sigcwaliswe kungakapheli izinsuku ezingamashumi ayisithupha isicelo ukuhlola kunjalo kusuka ngesikhathi we ukukhokhela. Phakathi acquirer isenzo kanye umkhiphi ezifakazela ukuthi akanacala ngokuletha agumenti kanye nobufakazi. Uma amaqembu ukufinyelela esivumelwaneni, wokubhadela umonakalo kwenzeka ngokulinganayo, uma kungenjalo, umlandu udluliselwa kukomidi Arbitration. Kuyinto Commission kohlelo lokukhokha. IKomiti iyohlola wonke ama-agumenti kanye nobufakazi amaqembu, bese kuphetha. I isinqumo sekomiti ukulamula umbango kuyakuba esibophezelayo. Uma amaqembu bengavumelani isinqumo, ukhanga, kodwa inani ukweba kulokhu akufanele kube ngemali engaphansi kwamaRandi ayishumi nanhlanu namakhulu.

Inqubo uphenyo lokukhwabanisa kanye ATM

Ukukhwabanisa ngamakhadi yokukhokha ephathelene nokusebenza luqhutshwa ATM, sihamba ezinye izigaba uphenyo. Uma-ATM akukuniki imali, i-acquirer umkhiphi ithumela nombuzo ukuqinisekisa ukuthi kungenzeka ukwehluleka lobuchwepheshe ekunikezeni izinsizakalo-akhawunti ethile noma kokuba ukusatshalaliswa engafanele izikweletu. Lokho akuyona ukukhwabanisa.

Uma usebenzisa i-ATM olwenziwa uma kugqekezwa ezifana cash ukuhoxiswa, uphenyo kuthatha umkhiphi owodwa noma iqhaza nge acquirer. It ucaciswa wecala futhi bayekelele wekhadi amaphuzu. Sekuyisikhathi eside iningi Ezimweni ezinjalo, umkhiphi unesibopho, ngakho ilindele lezi zingozi ukuze sivale lapho sisilela khona lokwebiwa wekhadi isinxephezelo inkampani yomshuwalense.

Ukulwa amabhange nge ukukhwabanisa

Ukukhwabanisa nge amakhadi asebhange kuye kwasho ukuthi izikhungo eziningi kudingeka silwe ne ezigebengwini. Kodwa nale zingakubonisi njalo babhekane ngokuphumelelayo.

Ngokwesibonelo, ukuze ulwe yokwenza lobu bugebengu ngokuvamile zisebenzisa IBS ubuchwepheshe + ukuvikelwa inkampani «TMD Ezokuphepha». I eqinile ungumholi ekuvikelweni abadali ATM yokwenza lobu bugebengu. Impumelelo ubuchwepheshe ngenxa yokuthi ukuvikelwa ngokukhethekile efakwe ngaphakathi, efanelekayo zonke izinhlobo ATM futhi kulula ukuba bahlangane.

Ukuhambisa ATM ezisebenza uhlelo «I-Microsoft Windows», aphansi base «Intel» ngokusebenzisa iphrothokholi TCP / IP, ngokuphambene, kakhulu kwandisa ingozi yokuhlaselwa. Ngenxa yale njongo, lo nabakhwabanisi afeze okubhekiswe (okubhekiswe) ukuhlaselwa.

Manje izigebengu bayanda abaphendukela ezihlukahlukene izinhlelo ukufinyelela amakhadi okukhokha. Basuke afakwe ATM. Ngemva kwalokho uhlelo kuyoba wabutha wonke ulwazi olufanele mayelana imisebenzi. Leyo ATM akahlukile ATM evamile. Ngakho-ke, umuntu ovamile ukuqaphela akunakwenzeka.

Ukukhwabanisa nge amakhadi asebhange kungagwenywa ukufakwa izici zokuphepha ekhethekile ku-ATM. Bona zimele okuwuphawu emnyango zone inkonzo futhi uhlelo ebangela i Ukuvikelwa ulwazi.

Indlela uzivikele ukukhwabanisa?

ukukhwabanisa ikhadi lesikweletu noma amadivayisi lasebhange plastic - okwamanje evame kakhulu lomkhuba. Ngakho-ke kubalulekile ukuba athathe izinyathelo ukunciphisa ubungozi obuphathelene nokuntshontshwa izimali. Ukuze wenze lokhu, kumele bagcine imithetho elandelayo.

1. Musa ukwabelana i-PIN yakho, hhayi ukubhala ekhadini, ibhukumaka, njll

2. Musa uthumele ikhadi lakho komunye umuntu.

3. Yenza ukuthenga ezitolo abuyekezwa.

4. Cover isandla sakho zekhibhodi lapho ufaka ikhodi siqu.

5. Ungabiki abasebenzi ngengqondo imininingwane ikhadi lasebhange.

6. Ungatsheli iphasiwedi yakho, ezazingena umlayezo ocingweni.

7. Uma kwenzeka yokulahlekelwa noma ukulahlekelwa ikhadi, kufanele ube inombolo yefoni yeselula lapho kungashiwo ngokushesha ivinjiwe.

Okwamanje, sisuke ukuziqambela letisha ukukhwabanisa nge amakhadi asebhange nezindlela of isivikelo ukweba. Ngakho-ke, ngaphezu izinyathelo zokuqapha olunikezwa wezitifiketi, acquirer, noma ibhizinisi inzuzo, kufanele uhambisane nazo zonke izimfuneko abameli.