Dzidza Zvaunofanira Kuona uye Maitiro Azvo Anoshanda
Mbavha ane nzira dzinoverengeka dzekubata kadhi rako ruzivo. Nekunyengedza, unopa ruzivo rwako pamusoro pavo usingatombozivi. Nekhamera yakachengetwa kana muchengeti anonyatsotarisa, vanogona kutora PIN yako uye vanoita mari inodzinga kubva kubhuku rako.
Iko Kadhi Yakadhi Ndeye uye Inoshanda Sei
Kadhi skimmer ibasa duku, rakavanzwa rinounganidza ruzivo rwekadhi. Chinonyanya kukosha, inoshandisa nhamba yako yekadhi, iyo inogona kushandiswa gare gare kudhinda makadhi ekutengesa kana kuti nezvekubhadhara paIndaneti.
- Vakafambisa varairidzi: vanowanzogadziriswa vanowanzomiswa apo iwe kazhinji unoshandura kadhi rako: pamagetsi eATM, mapumpu emagetsi, uye mishonga yekubhadhara kune vatengesi. Ivo vakaoma kuona - kungoita chidimbu chepurasitiki pamusana pechikwereti chinowanzogara, asi pane kakombiyuta duku mukati. Vadzidzi vanogona kukurumidza kuverenga zvose zvavanoda pavanoshandisa kadhi renyu, uye vanochengetedza mashoko aya kumasevha ekukohwa gare gare (vamwe vanoongorora vanozotumira mashoko aya pasina wire, izvo zvinoderedza ngozi yevhavha). Mune zviitiko zvakawanda, vanoongorora havaiti kupindirana nekutengeserana kwako, saka hauzive kuti nhamba yako yekadhi yakabiwa. Kadhi yako inopfuura nepakati nepakati, uye zvose zvinoratidzika zvakajairika.
- Mafashoni ekunyora: vanoita sevheti vanogonawo kunge vari "mafoni" zvigadzirwa, zvakasimudzwa muhomwe. Somuenzaniso, kana iwe ukapa kadhi yako kumunhu asingatenderi muchengeti achibhadhara kudya kwemanheru, zvinotora chikamu kuti utange kadhi yako kuburikidza nekudzidzira paunenge uchidzokera kumabhuku ekubhadhara mari.
- Zvimwe zvinoshandiswa: kuwedzera kune muverengi wekadhi, skimming scams inoshandisa makamera akavanzika nemimwe midziyo yekuunganidza nhamba yako yekuzivikanwa (PIN ). Makamera anogona kunge anoshamisa uye akavanzwa, uye angave ari chikamu chematanda kana zvigadziri zvinoita sezvavari. Imwe nzira ndeyekuchinja kadhi (zvichida nokuisa kiyi yefake pamusoro pepakutanga) nechokushandisa iyo inonyora PIN yako. Kushanda-makera makamera pamafoni esimba anogonawo kubatsira nekuongorora PIN yako.
Nzira Yekudzivisa Skimming Scams
Kadhi nhamba inobirwa nguva dzose, uye dzimwe nguva hauna simba pamusoro payo (nhamba yacho ingadai yakabiwa nevatengesi kubva muchitoro chaunotenga, somuenzaniso). Iwe unongoshandura makadhi, uye njodzi yaenda - asi inotambudza kuchinja nhamba yako yekadhi uye kumirira kadhi kadi. Kuti udzivise zvinetso, ita kuti zvive zvakaoma kuti mumwe munhu abate ruzivo rwako.
- Ziva nzvimbo yako: zvakanakisa kupinza kadhi yako munzvimbo dzakachengeteka uye kudzivisa nzvimbo dzisina kuchengeteka. Semuenzaniso, ATM iri mubhandi rekuchengetedza mabhangi yakachengeteka (bhenji irivharwa usiku, maATM anogara achichengetwa, uye pane nguva dzose mavhidhiyo akaiswa panzvimbo ino). Mbavha vanotora pangozi pavanenge vaisa uye vachiwana vadzidzisi vavo - havadi makamera ekuchengetedza. Pay-at-the-pump terminals pane imwe nzvimbo yemagetsi haisi yakachengeteka.
- Chengetedza PIN yako: paunopinda PIN yako, pasinei nokuti uri kupi, isa ruoko rwako (pamwe nerumwe ruoko). Izvi zvinowedzera zvakaoma makamera kuti anyore PIN yako, uye inodzivirira chero munhu kuti aone zvaunopinda.
- Kubva munzvimbo: kana chimwe chinhu chichiita sechisinganzwisisiki, famba uye ushandise mimwe mitambo. Dzimwe nguva vamwe vanosimudza kunze kwehafu yehafu inch, asi vazhinji vavo vakanyatsogadzirwa uye zvakaoma kuona. Iwe unogonawo kupa muverengi kadhi kamwe jiggle usati waisa kadhi yako. Kana yakasununguka, iyo mutsvuku mutsvuku.
- Usagamuchira "rubatsiro": kana iwe ukawana zvipo zvekubatsira kubva kune vanhu vatisingafungiri vakakomberedza mishonga, rega kugovera uye uende. Vangati ivo vane dambudziko zvakare uye iwe unongoda kupinda PIN yako zvakare.
- Chengetedza kadhi yako: inenge vese vanoedza uye vatengesi vakatendeseka. Zvisinei, kana iwe uchingonetseka, usarega chero munhu upi zvake achienda nekadhi rako - kunyange kwemashure mashoma. Famba kumuchina wokubhadhara navo pamwe chete uye tarisa iyo yose yekuita.
- Shandisa nzira dzekubhadhara dzakachengeteka: paunenge uine sarudzo, bhadhara usina kusveta magnetic yako kubvisa kuburikidza nekuverenga kadhi. Mobile wallets akaita Apple Pay encrypt yako ruzivo, uye kubhadhara kusingagoneki kunogonawo kuchengetedzwa.
- Taura nebhangi yako pakarepo: kana chimwe chinhu chisinganzwisisiki chinoitika, taura nebhangi yako nekukurumidza. Kana ATM inochengetedza kadhi yako kana iwe unocherechedza kuti wakashandisa chigadziro chine chekuita, bhanki yako inogona kuita nokukurumidza kuti irege kurasikirwa. Iwe unowanzochengetedzwa kubva pakunyengeri munhoroondo yako, asi mutoro wako unowedzera sezvo nguva inopfuura.
Smart Cards Ne Chips
Pakupedzisira, makadhi akachenjera ane chips achaderedza kubudirira kwekunyengedza zvinyorwa. Zvisinei, maginiti makadhi anoramba achibudiswa uye anoshandiswa, uye iwe unowanzoda chete nhamba yekadhi (nehumwe humwe ruzivo sep zip code) kubhadhara chimwe chinhu paIndaneti. Kusvikira nyika yose ichibva kune magnetic stripe payments, skimming icharamba iri nyore nyore (kunyange iwe unogona kuparadza magnetic stripe yako kana iwe uchivimba kuti hauzombodi kuitora).