Mune imwe nzvimbo yapfuura, takavhara Ram Raids, PIN ID nyaya, Yakashandura PIN Changes, SMS Mashamisi uye ATM Malware kana Malicious Software. Muchikamu chino tinovhara Point of Sale (POS) skim.
Mhando 3 dzePOS Skims
- Clerk skim; iyo inonyanya kukosha ndeye apo munyori wezvitoro anotora kadhi rako uye anorishandisa kuburikidza nechigadzirwa chinonyora ruzivo kubva kune magnetic strip. Kana imwe mbavha ine dhinari kana dhidhi yedhi data, iye anogona kuisa mirairo pamusoro pefoni kana paIndaneti kana kuti kuumba kadhi rakagadzirwa.
- POS swaps; imwe yepamusoro skim inoitika apo mhombwe dzinoita sePOS vadzidzisi, kupinda mune zvekutengesa uye kuparadzanisa zviripo zviripo PAS terminals ne clones dzinobvumira mutadzi wekuvhara kure kurecheche. Mbavha anogona kunyatsotora nzvimbo yemutengesi yekutengesa yeganda nemutambo unobatwa kuti utore kana kutapudza dhidhii data pasina, kana kungosachengeta deta kusvikira mutadzi achidzoka uye achibvisa.
- POS malware; iyo POS skim inonyanya kushandiswa inoitika apo chaiyo POS software inokanganiswa kure uye yakavharwa apo malware akaiswa kupa kupa mhosva mhosva dzakakwana pamusoro pezvigadzirwa.
PCI Security Standards Council
ICPI Security Standards Council inopa mirayiridzo yakagadzirirwa kubatsira vatengesi kuchengetedza zvakachengetedza uye kutumira dheta rekadhi yemakadhi uye kudzivirira kuti irege kuwira mumaoko evapambi. Vatengesi vanokundikana kuita maererano nemitemo yePCI vanogona kubhadhara mari yakawanda nevanopa kadhi rechikwereti seVisa uye MasterCard.
PCI inogara ichishandura mazano ezvinyorwa zvekudzivirira kwekunyengedzwa kwekwenya. " Skimming iri kuva dambudziko rakapararira. Aya ndiwo mazano kune vatengesi vanofanira kutarisa nemichina yavo yekuverenga ", anodaro Bob Russo, mutariri mukuru wePCI SSC. "Tinokurukura maitiro akasiyana-siyana ekuchengetedza mazano aya ekutengesa."
IPCI Council "Skimming Prevention: Best Practices for Merchants" inosanganisira mazano ekuongorora mungozi uye mafomu ekuzvitsvaga kuti aone kutaridzika kune marudzi aya ekurwisa uye kuti aone kuti vanodii kuti vasvike kudzivirirwa kwavo. Iyo mirayiridzo inotaura nezvekudzidzisa nekudzivirira vashandi vanobata pfungwa dzekutengesa zvigadzirwa kubva pakurongwa, uyewo nzira dzekudzivirira nekudzivisa kukanganisa kwezvinhu izvi. Vanewo tsanangudzo yekuziva kuti muverengi akachekwa uye chii chaunofanira kuita pamusoro pacho, uye kuti nzvimbo yakadini yezvigadzirwa uye zvekugadzira zvinogona kukonzera ngozi.
Nzira Yokuzvidzivirira Sei?
- Ongorora ATM: Izvi zvinoreva ma ATM ose, kunyange kubva kumabhangi ako. Iwe unodawo kutarisa chero kadhi kadhi kadiki seiyo pane zviteshi zvegesi, nezvimwewo, kunyanya kana uri kushandisa kadi yako yebhengi. Kana iyo scanner isingafananidzi mararamiro uye chimiro chemashini, inogona kunge iri kuongorora. Iwe unofanirwawo "kusunungura" kadhi kadiki kuti uone kana zvichiita sokuti pane chimwe chinhu chakabatanidzwa kune muverengi wekadhi paATM.
- Bhivha kadhi kana uchipinda PIN yako: Kuti uwane mabhizinesi ako ebhangi, mbavha dzinoda kuva nenhamba yako yekadhi uye PIN yako. Nokuvhara kikipikari, unodzivirira makamera nevatariri kuti varege kuona PIN yako.
- Tarisa mabhizinesi ako uye zvikwereti zvekadhi rechikwereti kazhinji: Kana mumwe munhu akawana ruzivo rwako, une mazuva makumi matanhatu kuti upe mhosva yezvokunyengera kune kambani yako yekadhi kuitira kuti usabhadharwa. Kuti uwane kadhi yebhadharo, iwe unongova nemazuva maviri chete kuti uone chero basa rekufungidzira.
- Iva nechisarudzo: Usashandisa zvizere ATM pamabhaji kana mumaresitorendi. Izvi hazviwanzoongororwa uye naizvozvo, zvinogona kushandiswa nyore nyore nemunhu.