Ubuqhetseba amakhadi ebhanki, alwe nayo. Indlela yokukhusela wena ekuqhathweni

Plastic ikhadi lebhanki yindlela jikelele lwentlawulo. Inika non-stop ukufikelela imali eziqulathwe kwi-akhawunti yakho ekhoyo. kungenziwa kuyitsala amakhadi zeplastiki kunye ngetyala. Eli nqaku igxile kwindlela ukuze uzikhusele ubuqhophololo.

Funda kabanzi namakhadi

ikhadi seplastiki ngokwayo ayiqulathanga naluphi na imali. Bonke bephela ngendleko yomnini. Iqhekeza iiplastiki - kuphela kuthetha ukufikelela kwi-mali.

Kwicala elingaphandle iinkcukacha umnini ikhadi kaThixo zidweliswe, eziyimfuneko ukuze lebhanki ukuchonga kwaye isigqibo yalo likwazi ukwenza i operation. Ukusebenzisa ikhadi, akunyanzelekanga ubukho ebonakalayo. Kwanele ukucacisa iinkcukacha.

Ukuza kuthi ga ngoku, wasungula Zininzi iindlela ukuba ushiye debit bank umnikazi ezifanelekileyo okanye ikhadi lebhanki letyala kunye kungekho mali. Ibhalwe ngu ezahlukeneyo ikhompyutha. Yabiwa data siqu wekhadi. Zangena kuma abancedisi kwiinkampani kunye neebhanki. Xa uthumela umyalezo eyahlukileyo ukuya mobile phone kwaye ngoko abemi abangenamava izaphuli ukufikelela akhawunti, njl Ubuqhetseba amakhadi ebhanki - lula kunye namashishini encinane. Kwaye oku kungenxa ukubamba umhlaseli, yaye ukubonisa ityala lakhe ayikho simple kangaka. ulwaphulo-mthetho cyber kuluntu mihla ngokuthi kusetyenziswe information technology ukulungiselela iinjongo Kunzima omkhulu. Kwenza bamakhadi baba nabafo abazizibambiso le meko kwaye ngoko semngciphekweni maqhinga.

Iindlela ukufikelela iimephu

Ubuqhetseba amakhadi ebhanki angenzeka enye ngeendlela ezimbini.

1. amakhadi ezibiweyo okanye enkohliso ukuthenga impahla zokuthengiswa.

2. Sebenzisa iindidi lamaqhinga abahlaseli bafumane ukufikelela kwi-ATM, akhawunti iinkcukacha kunye nekhowudi PIN.

Machine kwemali okanye ATM (Ukubalisa automated (umbali) umatshini) yenzelwe lula imicimbi ngenxa yokukhutshwa, ukufumana, ukudlulisela imali, iinkonzo intlawulo kunye neminye imisebenzi zemali, ngaphandle inxaxheba umqeshwa kwiziko lamatyala. Ngelo xesha basebenzise ezi nkonzo ngalo naliphi na ixesha lemini. Ilula, intsokolo ufikelelo ngqo imali wenza ATM imfuno kunye ezithandwayo phakathi kwabantu, kwaye, ngenxa yoko, phakathi izaphuli-mthetho.

Ubuqhetseba amakhadi ebhanki kwenzeka ngokusebenzisa ukuhlaselwa Uchwepheshe ejoliswe kwi-ATM. Kwakhona, oko kungenziwa ngokukhuphela ingcaciso evela amakhadi strip magnetic liseke izibatha amatyala ekhokelela yokuduka imali okanye umba ayikho sonke isixa ingacelwa kwi ATM.

Elahlekileyo okanye ebiweyo ikhadi yeplastiki ezandleni nabakhohlisi kumelana ukubhala lomniniyo off yonke imali egcinwe kwi-akhawunti. Kukwasebenza kwanjalo kuyo ikhadi lebhanki fake, nto leyo yenziweyo egameni lomntu othile, ngenxa apho iimali zifumaneka.

Imibono evela ubuqhetseba ikhadi

Namhlanje, kunye nale ngcaciso, kungakuhle ukuba ufunde wonke umhlali. Ubuqhetseba amakhadi zeplastikhi iquka iintlobo ezininzi ezahlukeneyo amaqhinga kunye nenkohliso.

Yayingabhalwanga - lemveliso zeplastiki iinkcukacha efanayo eli khadi umnikazi ngokwenene. Le iqhinga ikuvumela ukuba enze nayiphi na imisebenzi. wena ekuqhathweni Ukugcina, ibhanki simisela ukhuseleko malungana nokukhethwa iinkcukacha. Ukuphuhliswa iindlela kuba iye yeba imali evela amakhadi wenza le ndlela ngaphantsi iindleko-olusebenzayo. Ngoku ukhetho elula ngakumbi lizele ukuba iinkcukacha zebhanki.

Iwebhsayithi - indlela nobusela ngalo nabakhohlisi ngeendlela ezahlukeneyo zokunxibelelana (phone, imeyili, njalo njalo) zinxulunyaniswa wekhadi egameni yebhanki. injongo yabo ukufumana phandle i umnini data eyimfihlo. Phone yobuqhetseba - indlela eqhelekileyo kakhulu yamasela. Ekubeni ikhadi ufumana ifowuni, ngokuqhelekileyo umyalezo esichazela ukuba intlawulo yenziwa kwi-akhawunti, kufuneka ukuba uhlawule ityala, ikhadi iyabhlokwa, njl Ikhwelo oluqhutywa kwimo esizenzekelayo ngelizwi ngekhompyutha bevuthela ulwazi eloyikekayo, ngaphandle ecacisa iinkcukacha kwiziko zemali, umyalezo uthunyelwa kuzo. Emva koko, ukuze ufumane inkcazelo engakumbi kufuneka uqhagamshelane yomsebenzisi. Le ncwadi zibonisa kwimiyalezo SMS e-mail. Xa ufowuna inani kubonisiwe umqhubi izama ukufumana ulwazi olubuthathaka ukuba kamva iya kuvumela izaphuli ukwenza zingabinanto amakhadi. Ubuqhetseba ngu ukuskima ivumela ukukopisha idatha usebenzisa isixhobo okhethekileyo kwi-ATM.

Ukubiwa ulwazi ikhadi evela abancedisi engoovimba online, ezo nto kufuneka ukuba agcine iirekhodi abanini bazo. Kodwa oku kudla khange ahlonelwe. Le nabakhohlisi zisetyenziswa ngempumelelo.

Maxa wambi abasebenzi bank kwezinto ngokwawo swigevenga iinkcukacha kwimaphu. Okanye ngenxa yokungakhathali kwabasebenzi olu lwazi kuba yipropathi nabaqhekezi.

Ngoncedo nabakhohlisi izixhobo ezizodwa my ikhadi nge khowudi PIN ngexesha ATM usebenzisa izixhobo ezikhethekileyo (Micro, projektha keyboard, ikhadi readers). izixhobo ezifana ufunda iinkcukacha kunye passwords bangena.

Ukusebenzisa ATM fake kwakhona likuvumela ukuba amakhadi engenanto. Ubuqhetseba wenza indlela "loop Lebanese". Olu khetho likuvumela izaphuli-mthetho ukuba ukuthatha phezu ikhadi yomnye umntu. Kuba nabakhohlisi ibekwa slot of ifowuni yokufunda iqhekeza umboniso, engaquki mephu ukuvula Phuma emva kotyando. Kufuphi abahlaseli sibonelela ukuba ufake ikhowudi PIN, esithi emva kwesi senzo imephu. Emva kwempumelelo zobunikazi ukuqinisekisa umnini ukuze ngemini elandelayo kwi ebhankini, xa besebenza berhafu iinjineli, kodwa akukho nto iya kwenzeka kude kube lelo xesha. I cards ngokukhuselekileyo ushiye. Xa umnini ushiya lo imigulukudu ATM wachacha kwimephu film lokushicilela. Ukuba ususe zonke iindlela.

ikhadi Bank ubuqhophololo kwenzeka ngokusebenzisa CNP-transactions, ngamanye imisebenzi eyenziwa kwi-network Internet ngokwesiseko iinkcukacha. Umnini kunye zeplastiki yakhe yebhanki akazibandakanyi.

Imisebenzi ekhadini ebiweyo okanye elahlekileyo, kwenzeka ntoni ngexesha lekhefu phakathi kwezi ziganeko kunye lock zeplastiki. Kwakhona, abantu abaninzi siyalibala bhala phantsi PIN yakho kwikhadi ngokwayo, nayiphi na iphepha okanye yokubhala. Kwimeko bobusela, okanye ukulahleka wengxowa kunye nabakhohlisi isipaji babe abanini hayi nje imixholo lonke, kodwa imali kwi-akhawunti yakho.

Ukufumana - indlela apho phindaphindo isiliphu kwenzeka. Kananjalo kufuneka utshintsho umxholo wayo wenziwe. Kuba oku kwenziwa kwi-terminal elektroniki okanye amakhadi Iziliphu iminwe ezimbalwa phezu imprinter. Oku kuyimfuneko ukuze ukwazi ukutshintsha isixa kwentengiselwano okanye indalo amaxwebhu intlawulo entsha emva kokusayina slip umthengi lowo.

Ukubuyisela yentengo esongela umnini ikhredithi khadi ukuya thabatha. Ukuze benze oku, lo engumphangi, lo Uchwepheshe okanye umqeshwa nezentengiselwano apho umthengi yenza ukuthenga, yenza umsebenzi imali-umva, nto leyo eyandisa eseleyo ikhadi. Umhlaseli isebenzisa arhente ababhalisiweyo. Le nkampani yorhwebo ukuba ukukhumbula imali. Umntu ihlala ebomvu.

Kufuneka wenze ntoni xa sibona le miqondiso zokuqala ubuqhophololo?

ukusetyenziswa ekhohlisayo amakhadi yentlawulo - Kuyaziwa kakhulu. ixhoba lwakhe nabani na plastiki. Ngoko kuyimfuneko ukuba ukuvala ikhadi ngoko nangoko xa watyholwa yokuqala. Kwaye ke ibhanki unako ukubhala ingxelo yokuba babengavumelani kotyando, echaza isizathu, ukuba oko kwenzeka ngaphandle ulwazi lwakho.

Sberbank ubuqhetseba ikhadi

Izixhobo ezitywiniweyo kwawo eli ziko idla kakhulu phantsi ukuhlaselwa icebo ezahlukeneyo. Iindlela ezininzi eziqhelekileyo zobusela - SMS-umyalezo isicatshulwa ukuba ikhadi sele yogutyulo, nangenxa kut- umsebenzi kuyimfuneko ukufowunela inombolo kubonisiwe. izaziso umbhalo enjalo ukufumana amawaka abasebenzisi amakhadi Sberbank. Musa ukulibala ukuba yonke imiyalezo ethunyelwe Sberbank, evela kwinani elinye. Ukuba isaziso ukusuka kwenye indawo - kuba lo mthetho.

amakhadi Ubuqhetseba Sberbank amaninzi kwenzeka abanezixhobo zeplastikhi «Master Card Standard» kunye «Visa Classic». Ngoko ke, ukuba benze ukuthenga nabo, ngakumbi kwi-intanethi, kuyimfuneko kwi kwiivenkile eziphicothiweyo, apho unokufunda ncomo na.

PrivatBank

PrivatBank ikhadi ubuqhetseba amaninzi wenziwe usebenzisa skimmer. Ukuba amanani akazange ibonwa egumbini kwangaphambili xa abahlaseli PIN elawulwa kufuneka yesundu kufutshane ulandelelwano acofiweyo.

Enye indlela - "imali engaphezulu", nto leyo evumela nabakhohlisi ukwazi ikhowudi liye kufika kwi-SMS-umyalezo kumnini khadi, leyo yena umnini-akhawunti (hayi suspecting amaqhinga) ziyalela nangefowuni. Kudla ityala xa uthenga kwiivenkile intanethi.

Ikhadi ubuqhophololo "Umbona"

Kwanabenzi bobubi abo badla usebenzise enye indlela umdla imali, imephu "Umbona" lisetyenziswa kuyo. Ubuqhetseba kwenzeka ngokudala ivenkile intanethi, ngelithi ukusuka 'Euroset ", apho ungenza ukuthenga kakhulu ngexabiso eliphantsi kakhulu xa saloon. ibhonasi Plus. Ukuze wenze ukuthenga, umcebisi kufuneka zilawule igama labo ngokupheleleyo, umhla wokuzalwa, amakhadi yebhakhowudi, igama eliyimfihlo, angenayo umyalezo wombhalo, oko kukuthi, ulwazi ukuba kunjalo akunakwenzeka ukuba bathini. Emva koko, nge-akhawunti yekhadi ithathwa imali kunye umnini-akhawunti usahleli ngaphandle ukuthenga.

Ngubani na oya kubuya imali ebiweyo?

Yokubuyiselwa webiwa nabakhohlisi, kwenzeka emva kophando, ekufuneka iseke izibakala ezithile.

1. Ngaba nguwe umnini bachitha imali yabo, waza wagqiba ekubeni abuyele kuzo?

2. Imposiso ATM okanye ebhankini?

3. Okanye ngaba umsebenzi amaqili?

Ukuba kufunyaniswa ukuba ubhale-off semali na nandzu wekhadi, yena kuhlawulwa imali ezibiweyo. Umnikeli unyanzelekile ukuba babuyele kulo, apho ngokuqhelekileyo ayikho ungxamile ukwenza oko. Isihlabo sembuyekezo yabelwa kwindawo yentengiso okanye uyinikezelwayo. Nangona nxaxheba ukuqonda malunga ngubani kufuneka ubuyele iilahleko yaye ngubani na ityala, wekhadi bangalindela imali yabo ixesha elide. Ukuze ukuba ukulibazisa ingqalelo izinto njengoko inkqubo yentlawulo a, owenza imithetho eqhelekileyo bonke abathathi-nxaxheba, ixesha kunye nokuziphatha algorithm.

Inkqubo yophando ngobusela ukusuka akhawunti

Credit card ubuqhetseba, kwakunye debit kunye zeplastiki nezixhobo, kukho iindlela efanayo. Oku kuthetha ukuba uphando ukuchonga abo banoxanduva ntoni ubusela kwenzeka yi scheme elinye.

Ekuqaleni, lo uyinikezelwayo (umnini ATM) ithathwa nemali ukuba liphikisa umnini. Umnikeli (ibhanki) ufuna uyinikezelwayo ukunika amaxwebhu. Kufuneka uqinisekise ukunyaniseka Ukutsalwa. Oku kunikwa iintsuku ezimashumi mathathu. Kwithuba emiselweyo inika uyinikezelwayo ibango amaxwebhu uze uziqhelanise nabo umnini-akhawunti. Ukuba umxhasi uyavuma kwaye kuqinisekisa isibakala kwenu kukusebenza, umba uthathwa ukuba adalwe, kwaye uphando kupheliswa. Ukuba uyinikezelwayo linike amaxwebhu yenziwe kunye daba, okanye ngokoMthetho zangasiwa so, isixa-mali ithathwa kwi akhawunti lakhe wakhetha ebhankini (umnikeli), uze ususe into ngelithi lowu nezizathu ezisemthethweni. Ukuza kuthi ga ngoku, imali umnini abasayi kubuyela kulo. Emva kokuba ukurhoxiswa, zingaphelanga iintsuku ezingamashumi amane anesihlanu, ukuba kulandelwa naliphi na inyathelo kwicala uyinikezelwayo, imali ithe kwi-akhawunti ye-khadi intlawulo.

Kukho iimeko apho umnini ATM ayikho kakuhle ukusabela kwisicelo umnikeli ngayo amaxwebhu, njengoko ukholelwa yena lo walivala ithende ayikho benobutyala bobusela, ke ngoko, akulindelekanga ukuba noxanduva yona. Kulo mzekelo, uphando wenziwa ngenye indlela.

Isixa efana imali ibiweyo ithathwa ukusuka akhawunti uyinikezelwayo umsebenzisi. Oku zibhalwe. Emva koko, umnikeli kufuneka aveze ubungqina ubumsulwa bakhe phambi kokuba uyinikezelwayo. Ukuba oku akuphumeleli, umnini ATM ubuyisela ixabiso ebiweyo ukuya wekhadi.

Kukho iimeko apho ezazithethwa uyinikezelwayo zezi akukholisi okanye ukuwamisa ngokupheleleyo tye. Kwiimeko ezinjalo, i-uxanduva ubusela isekelwe kwimiba emininzi zenkqubo kunye nophando owenziwe predarbitrazhnogo zokuhlala. Ukuze benze oku, umnikeli kumele ihlale kwisithuba seentsuku ezingamashumi amathandathu isicelo iimviwo icala kwi nomzuzu ukukhokhela. Ngexesha uyinikezelwayo isenzo kunye sobunyani ezingqina ubumsulwa bakhe ngokuzisa iingxoxo kunye nobungqina. Ukuba amaqela afikelele kwisivumelwano, intlawulo yomonakalo kwenzeka ngokulinganayo, ukuba akunjalo, ityala ibhekiswe kwiKomiti CCMA. Kuyinto iKhomishini inkqubo yentlawulo yelizwe. IKomiti iya kuqwalasela zonke iingxoxo kunye nobungqina zamaqela, uze emva koko uphetha. Isigqibo sekomiti ulamlo uya kuza kukubophelela. Ukuba amaqela bengavumelani isigqibo, nomtsalane, kodwa imali lobusela kule meko kufuneka ibe ngaphantsi kwe amawaka amahlanu eerandi.

Inkqubo yophando lobuqhophololo ne-ATM

Ubuqhetseba amakhadi intlawulo ezinxulumene nemisebenzi kuqhutywa nge-ATM, udlula kwezinye izigaba uphando. Ukuba ATM ayiniki imali, i uyinikezelwayo sobunyani uthumela zombuzo ukuqinisekisa amathuba lokungaphumeleli zobugcisa inkonzo kwityala elithile okanye ukuba ukuhanjiswa ngokungafanelekanga of eyilwayo. Loo meko ayikho yinkohliso.

Ukuba usebenzisa i ATM olwenziwe izenzo ezingalunganga ezifana yemali, uphando kuthatha sobunyani eyodwa okanye inxaxheba kunye uyinikezelwayo. Oku yacacisa ityala kunye bayekelele amanqaku wekhadi. Kuba uninzi Kwiimeko ezinjalo, umnikeli inoxanduva, ngoko lithe la iingozi ukuze kubuyekezelwe ukubiwa yembuyekezo wekhadi kwinkampani ye-inshorensi.

Ukulwa iibhanki nobuqhetseba

Ubuqhetseba amakhadi ebhanki kwakuthetha ukuba amaziko amaninzi kufuneka ukuba silwe, kwanabenzi bobubi abo. Kodwa oku azisoloko ukumelana ngempumelelo.

Umzekelo, ukuba silwe ukuskima badla ukusebenzisa iteknoloji IBS + nokhuselo evela kwinkampani «TMD Ukhuseleko». Ingabinani ke kwinkokeli ukukhuselwa Abenzi bemeko-ATM ngokukhawuleza. Impumelelo kobuchwepheshe ngenxa yokuba ukhuselo eyodwa ifakwe ngaphakathi, ezilungele zonke iintlobo ATM kwaye kulula ukuba idibane.

Moving-ATM yokusebenza «Microsoft Windows», eziziziqalelo isiseko «Intel» usebenzisa TCP / IP protocol, ngokuchaseneyo, kunyusa kakhulu umngcipheko uhlaselo. Ukulungiselela le njongo, le nabakhohlisi ukuphumeza ekujoliswe kuzo (targeted) uhlaselo.

Ngoku izaphuli bayanda waguqukela ezahlukeneyo iinkqubo bafumane amakhadi intlawulo. Bona wangena kwi-ATM. Emva koko le nkqubo iya kuba ukuqokelela yonke ingcaciso efanelekileyo malunga nokusebenza. Enjalo ATM ayahlukanga ukusuka ATM eqhelekileyo. Ngoko ke, lo mntu-avareji ukuzibona akunakwenzeka.

Ubuqhetseba amakhadi ebhanki ingathintelwa ngokufakelwa iimpawu zokhuseleko ngokukhethekileyo kwi ATM. ibonisa ukuba ebonisa elucangweni bommandla kweenkonzo iprogram ebangela ukuba ukhuseleko ulwazi.

Indlela uzikhusele ubuqhophololo?

Credit ubuqhetseba ikhadi okanye izixhobo debit seplastiki - okwangoku Kuyaziwa kakhulu. Kuyimfuneko ke ngoko ukuba athathe amanyathelo zokunciphisa umngcipheko yobusela kwemali. Ukuze wenze oku, umele uyigcine le mithetho ilandelayo.

1. Musa ukwabelana PIN yakho, ukuba ubhale kuyo ekhadini, ibhukmaki, njl

2. Musa ukudlulisela ikhadi lakho komnye umntu.

3. Yenza ukuthenga ku kwiivenkile eziphicothiweyo.

4. Vala ikhibhodi isandla sakho ngexesha ngokufaka ikhowudi lobuqu.

5. Musa ingxelo abasebenzi ndicinga ngale yebhanki iinkcukacha ikhadi.

6. Musa ukuxelela password yakho, angenayo umyalezo on the phone.

7. Kwimeko yelahleko okanye ukulahleka card, kufuneka ube inombolo yefoni yeselula apho kunokuthi ngokukhawuleza ivaliwe.

Okwangoku, siya owasungula iindlela ezintsha lobuqhophololo kunye amakhadi ebhanki kunye neendlela zokuzikhusela ubusela. Ngoko ke, ukongeza amanyathelo okhuseleko ebonelelwe sobunyani, uyinikezelwayo, okanye kwishishini zorhwebo, kufuneka athobele zonke iimfuno yi ukuziphendulela.