Asi, nhamo, avo vari munzvimbo yakanakisisa yekugadzirisa dambudziko-kusanganisira masangano ehurumende, makambani uye kunyange vanhu-havagoni kubvumirana kuti vangagadzirisa sei.
Pane zvikamu zvitanhatu zvekuzivikanwa kwekuzivikanwa nekuvharwa uye zvisingaverengeki zvikamu zvega zvega.
- Bhizimisi kana zvekutengeserana kubhekwa
- New Account Fraud
- Account Takeover Kubiridzira
- Kubatwa Kwechirwere Chekuita
- Kurapa Kwekurapa
- Kuzivikanwa Cloning
Zvakakosha kuparadzanisa nekuparadzira fomu imwe neimwe kuitira kuti inzwisise chimiro chayo, chikonzero nei ichibudirira, uye zvinogadziriswa kune vanotambura. Hazviiti zvose zvinoguma nekurasikirwa kwemari pakarepo kumunhu anotambudzwa; pane nguva, zvisinei, uye zvichienderana nehutano hwezviito zvekuvhara, mbavha inowanzoguma yekubhadhara neimwe nzira. Muchikamu chino, tichakurukura pamusoro pe3.
Bhizimisi kana Zvemabhizimisi Kuvhara Idzi
Bhizimisi kana zvekutengeserana kubhekwa kunosanganisira kushandisa bhizinesi 'zita kuti uwane chikwereti kana kutobhadhara vatengi vemabhizimisi' zvemiti nemishandiro.
Kakawanda, asi kwete nguva dzose, Nhamba yeHurumende Yokuchengetedza (SSN) yehofisi yekambani inofanirwa kuita bhizimusi hwekushambadzira kwebhizimisi.
Federal ID kana Vashandi Vekuziva Nhamba dzinowanikwa nyore nyore munhoroondo dzevanhu, dumpsters kana mukati, zvichiita kuti upe mhosva iyi. Vanokanganisa vanoita bhizinesi rekuvhawa kwemazinza vanowanzotora kana varipo iye zvino kana vashandi vepakutanga vane rusununguko rwakananga kune zvinyorwa zvekushanda vanochera mabhuku vachifarira mazano avo.
Vakatambudzwa nebhizinesi rehupfumi hunowanzowanika kusvikira kurasikirwa kuchivaka zvikuru kana mumwe munhu mukati munoona kusawirirana pamabhuku. Mabhizimusi anorasikirwa nemari yakawanda yakawanda nekuda kwezvinhu zvakavanzika zvekutengesa. Bhizimusi unozivikanwa hunoenderera mberi kwemakore asingaoneki.
New Account Fraud
Kuzivikanwa kwehutano kwehutano nenzira yehutsva hwekodha itsva zvinoreva kushandisa imwe yeruzivo rwekuzviziva yega kuti uwane zvigadzirwa nemashando uchishandisa chikwereti chakanaka chomunhu wacho chimi. Kune marudzi akawanda ehupfumi hunogona kuitika. Kuvhura kweshandisirwo itsva, foni itsva kana itsva kadhi kadhi rechikwereti ndiyo inowanikwa yakawanda yenhamba itsva yekodhi. Nemhaka yokuti mbavha inogona kushandisa kero yakasiyana yeavo, munhu anenge ashungurudzwa haambooni chikwereti chesaiti itsva. Apo rudzi urwu rwekubiridzira runosanganisira kadhi rechikwereti, kana kamwe purasitiki itsva ikabudiswa, mutadzi wacho anozvishandura ikaita mari nokukurumidza zvikuru.
Chinowanzoitika, asi kwete nguva dzose, chinodiwa kumiganhu yakawanda yechikwereti uye kuita utera hwebhuku idzva ndeyeSOTN's victim, iyo yakava kiyi muumambo uye. Pane imwe nguva mumaoko asina kururama, SSN inogona kuva nemigumisiro yakaipa. Vanoshungurudzwa nehutsotsi hwebhuku idzva vanowanzoziva kuti ivo vanotambudzwa pavanogamuchira mafoni kana tsamba kubva kune vatora vateresi, avo vanozopedzisira vawana "mwene" wekodzero weSNN.
Vakatambudzwa vanogonawo kurambwa chikwereti sechikonzero chekukumbira zvikwereti.
Account Takeover Kubiridzira
Kuzivikanwa kwehutano hwehupfumi nenzira yebhuku rinotora rusununguko rinoreva kushandisa imwe nhoroondo yekodzero yemunhu (semuenzaniso, nhamba yekadhi rechikwereti) kuwana zvigadzirwa nemasevisi uchishandisa maverengi evanhu ava. Inogonawo kureva kubvisa mari kubva kubhengi yemunhu. Nhamba dzeAunti dzinowanzowanikwa mumarara, dzakatambirwa paIndaneti, kana dzakabiwa kunze kwemashoko kana kubva pane zvakasimudzwa kana zvikwereti. Kana imwe mbavha dzichiwana deta iyi, dzinogona kushandisa ruzivo rwechokwadi pane imwe nzvimbo yekutengesa kana kuwanika maega ega ega online, pamusoro pefoni, kana kuburikidza nekushumira kwepositi. Kwenyanzvi hwemagariro ehurumende inoshandiswa iyo data inowanzodikanwa pane imwe nzvimbo: Kurevera kuisa iyo data mukoti, mutadzi anoita seanotambudzwa.
Vakatambudzwa ndivo vanowanzotanga kuona kubhadharwa kwebhuku kana vakawana mhaka pamitemo yemwedzi yavo yavasina kupa mvumo kana mari yakavharwa kubva kumabhuku akange aripo. Dzimwe nguva munhu anenge achinetseka achaona bhengi ravo rebhangi rakanyengedzwa sezvikonzero zvemhosva dzakawanda dzinobva kuchechi chechechi.