ATM Card Trapping ("Lebanese Loop") ne Cash-Dispenser Claw Scams: Nea Enti a Ɛnsɛ sɛ Wufi Afiri no Mu Da¶

Sɛ wode wo debit anaa credit card bɛhyɛ Automated Teller Machine (ATM) mu na ama mfiri a ɛkenkan kaad no ayɛ basaa, amene wo kaad a worensan mfa mma, anaasɛ wobɛyɛ te sɛ sika a worekan bere a sika a wɔde ma no shutter no pow sɛ wobebue no ntaa nyɛ mfiri a asɛe kwa. Wɔ Amerika Atifi fam, Europa, United Kingdom, Latin Amerika, ne Asia-Pacific nyinaa no, ATM nsisi adwumayɛfo a wɔahyehyɛ wɔn de honam fam afiri abien a wɔde kyere nneɛma di dwuma, a ɛne "Lebanese Loop" card-slot sleeve ne Cash-Dispenser Claw / Glue Shutter Trap, a wɔayɛ no pɔtee sɛ wɔde bɛfa wo kaad anaa sika a wobɛbɔ no dommum wɔ bezel no mu ama 90 no seconds egye wo sɛ wobɛpa abaw na woakɔ. Ntɛm ara a wobɛdan w’akyi akɔhwehwɛ sikakorabea panyin anaasɛ wobɛkɔ wo kar nkyɛn akɔfrɛ adetɔfo adwumayɛbea no, ɔsɛmmɔnedifo a na ogyina w’akyi mita abien reyɛ ne ho sɛ ɔrehwɛ wɔn fon (anaasɛ ɔnam pinhole camera, keypad overlay, anaa thermal-imaging camera so kyeree wo Personal Identification Number) no foro kɔ afiri no ho, twe monofilament tab bi a ahintaw de yi wo card anaa sika a wɔaboaboa ano a akye no, na ɔtwe wo da biara da sika a wobeyi afi mu no anohyeto ansa na woadu abɔnten so. Sɛ ATM bi kura wo kaad no da bi anaasɛ entumi mmue ne sika shutter bere a wɔayi sika afi mu akyi a, fa wo nan si ATM screen no anim tẽẽ na nkɔ: fa wo kaad no to nwini mu wɔ wo mobile banking app no mu bere a wugyina afiri no ho, pow mmoa nyinaa a efi "ahɔho a wɔwɔ adamfofa su" hɔ wɔ vestibule no hɔ, frɛ sikakorabea no nsisi nɔma a ɛwɔ wo kaad no akyi anaa wo mpɔtam hɔ nɔma ahorow a egye ntɛmpɛ sɛ wohunahuna wo a, na san hwɛ yɛn sikakorabea jugging ne ATM a wɔde yi sika tailing akwankyerɛ, yɛn baabi a wɔde kar sisi ne ATM vestibule ambush guide, ne yɛn express kidnapping ne ATM a wɔhyɛ wɔn ma wɔtwe wɔn ho fi ho akwankyerɛ.

Sɛnea European Association for Secure Transactions (EAST), United States Secret Service Financial Crimes Task Force, ne ATM Industry Association (ATMIA) kyerɛ no, honam fam kaad-trapping ne sika-trapping ntua akɔ soro kɛse wɔ EMV chip migration ho efisɛ owifo a owia wo honam fam EMV chip card a wode wo PIN a ɛwɔ digit 4 ka ho no ho nhia sɛ ɔyɛ clone wɔ encrypted chip ho ara kwa chip card ankasa a wode beyi sika a ɛsen biara wɔ ATM ahorow anum a ɛbemmɛn hɔ na woatɔ akyɛde kaad anaa ɛlɛtrɔnik mfiri a ne bo yɛ den wɔ simma 15 ntam. Sɛ wote Lebanese Loop sini nsateaa mu mfiridwuma ho nimdeɛ pɔtee ase, sɛnea wubehu atoro sika shutter a spring ayɛ mu ma ansa na wode wo kaad ahyɛ mu, nea enti a ɔhɔho bi a ɔka kyerɛ wo sɛ "Mia Cancel mprenu na san hyɛ wo PIN mu" ne owifo ankasa a ɔretwa wo code no, ne sɛnea wobɛto wo kaad mu wɔ sikani 10 mu wɔ wo fon so a womma afiri no mma no bɔ dɔla biara a ɛwɔ wo akontaabu mu no ho ban.

Yɛ eyi mprempren¶

1. MMFA wo ho mfi ATM no ho DA sɛ wo kaad no akɔhyɛ slot no mu anaasɛ afiri no hwirew a womfa wo sika mma a. Lebanese Loop card trap ne Cash-Claw shutter trap no nyinaa de wɔn ho to wo so ɔha biara mu nkyem 100 sɛ wubegyaw afiri no wɔ abasamtu mu. Gyina keypad no anim tẽẽ siw kwan a wobɛfa so akɔ card slot ne cash chute no ano, twe wo smartphone no fi hɔ wɔ afiri no ho, bue wo bank no mobile app no, na toggle "Lock Card" / "Freeze Debit Card" (anaasɛ brɛ wo da biara da ATM a wode yi sika no anohyeto ase kɔ $0) ansa na wobɛtu anammɔn baako afiri terminal no ho.
2. Pow afotu nyinaa a efi "ɔboafo a ɔhwɛ hɔ" biara a ɔhyɛn ATM vestibule no mu na ɔka kyerɛ wo sɛ san kyerɛw wo PIN no. Lebanese Loop owifo script a wɔtaa yɛ ne sɛ ɔbɛkɔ w'akyi wɔ sikani 15 akyi wɔ wo card jam akyi na waka sɛ: "Oh, saa afiri no yɛɛ me ade koro no ara pɛpɛɛpɛ nnɛra, kura mu kɛkɛ CANCEL button na type wo PIN no bere biako bio na ɛbɛpue ntɛm ara." NHYƐ wo PIN no bio. Owifo a ogyina wo mmati so no rehwɛ wo nsateaa sɛ ɔbɛkyere wo PIN a ɛwɔ digit 4 no akyere wo tirim sɛnea ɛbɛyɛ a wobetumi atwe wo kaad no afi nsateaa no mu bere a worefi hɔ no.
3. Fa wo nsa foforo anaa sika kotoku kata wo nsa a wode kyerɛw so koraa bere biara a wode PIN bɛhyɛ mu, sɛ mpo vestibule no mu da mpan a. Lebanese Loop adwumayɛfo taa de gluu gu microscopic pinhole video camera wɔ atoro plastic brochure holder bi mu wɔ screen no atifi, wɔ overhead light bar no mu, anaa atoro keypad bezel mu. Sɛ wobɔ wo nsa a ɛnyɛ nea ɛhyɛ so te sɛ ɔdan atifi a ɛyɛ den sentimita 2 (nsateakwaa 0.8) wɔ wo nsateaa a wode kyerɛw nsɛm no atifi a, ɛma pinhole lenses a ɛwɔ soro ne thermal cameras nyinaa ani fura, na ɛma kaad a wɔakyere no yɛ nea mfaso nni so.
4. Sɛ ATM no yɛɛ mfiri nnyigyei a ɛkyerɛ sɛ wɔkan sika (whir-click-click) na ɔde text a ɛkyerɛ sɛ wobɛyi sika akɔ wo fon so, nanso sika biara amfi mu: hwɛ sika a wɔde ma no shutter no mu hwɛ sɛ ɛwɔ faceplate a wɔde gluu ayɛ a ɛnyɛ nokware anaa. Akorɔmfo a wɔkyere sika de aluminum anaa plastic atoro pon a spring ahyɛ mu ma a wɔde kapet teyp a ɛwɔ afã abien anaa dade a ɛyɛ nsɔe adura ho tẽẽ wɔ ATM no sika a wɔde ma no chute ankasa no so. Twe plastic sika a wɔde ma no bezel no anoano brɛoo; sɛ atoro katasoɔ bi ba a ɛda adi sɛ wo sika abata adhesive tape ho a, fa wo sika no, sie afiri afiri no ma polisifoɔ (kura mu wɔ anoano), na frɛ 911 / 112 / 999 ntɛm ara berɛ a wowɔ dwoodwoo.
5. Frɛ wo sikakorabea no 24/7 Customer Service / Fraud Department wɔ speakerphone so bere a wugyina afiri no ho (mfrɛ telefon nɔma a wɔatintim wɔ sticker a ɛwɔ ATM no so da). Nsɛmmɔnedifo taa de "ATM Out of Order / Card Retained Helpline" vinyl sticker a ɛyɛ nokware gu ATM no anim a nɔma a wontua hwee a ɛbɔ tẽẽ kɔ obi a ɔka ho a ɔte hɔ wɔ kar bi a ɛwɔ abɔnten no atifi mu, a ɔka kyerɛ wo sɛ hwɛ sɛ wo PIN a ɛwɔ ahinasa 4 no yɛ nokware anaa. Bɔ aban nɔma no nkutoo fi wo sikakorabea no mobile app anaa wɛbsaet no so, bɔ ATM Terminal ID no ho amanneɛ pɛpɛɛpɛ, na ma ɔnanmusifo no ntwa kaad no mu daa bere a wugyina hɔ no.
6. Fa wo honam fam ahobammɔ di kan: sɛ ankorankoro a wɔyɛ basabasa hyɛn vestibule no mu anaasɛ wɔbɔ mmɔden sɛ wɔbɛma wo ayɛ ma afi kaad a akɔhyɛ mu no ho a, to kaad no mu wɔ wo fon so na fi mu ntɛm ara. Sɛ wobɔ "Freeze / Cancel Card" wɔ wo sikakorabea app no ​​mu wie a, plastic kaad a ɛbata ATM slot no mu no nyɛ hwee sɛ plastic a awu a mfaso nni so. Mfa honam fam akasakasa mu da wɔ ahwehwɛ a wɔato mu a ɛwɔ kaad a awu so mu; fi adi kɔ ɔmanfo abɔnten bi a hann wɔ so yiye anaa sikakorabea baa dwumadibea no mu na frɛ polisifo.

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Gyinaesi dua: ATM kaad afiri ne sika-shutter claw ntɛmpɛ triage¶

Di anammɔn anammɔn nhyehyɛe yi akyi bere a ATM bi antumi ansan amfa wo kaad no amma anaasɛ entumi mfa sika mma bere a wɔabɔ wo akontaabu no ho ka awie no.

flowchart TD
    Start["Anomaly at ATM: Card Rentu Mfi mu ANAA Sika Shutter bɛtena mu Bere a Wɔakan Nnyigyei Awie no"] --> StandGround["1. MMFA AFIRI NO NNYƐ: - Tra hɔ a wodua no tẽẽ wɔ keypad & card slot no anim - Ma wo torso nsiw afiri no kwan mfi obiara a ɔretwɛn w’akyi no ho"]

    StandGround --> StrangerCheck{"2. So obi a ɔhwɛ hɔ nantew kɔ hɔ de ‘mmoa’ ma anaasɛ ɔka kyerɛ wo sɛ san hyɛ wo PIN + Cancel no mu?"}

    StrangerCheck -->|"YIW: Classic Lebanon Loop Mmati-Surfer"| RefuseStranger["REFUSE & SHIELD KEYPAD: - NEVER re-type your PIN - State firmly: 'Mewɔ telefon so ne me bank security seesei' - Sɛ wɔbɛyɛ aggressive, lock card wɔ phone app & exit to safety"]

    StrangerCheck -->|"DABI: Ɔno nkutoo wɔ afiri so"| AnomalyType{"3. Di nkogu bɛn na esii?"}
    RefuseStranger --> AnomalyType

    AnomalyType -->|"Kaad Stuck / Retained Mu Kaad Akenkanfo Slot"| CardTrapProtocol["CARD TRAP ('LEBANESE LOOP') PROTOCOL: 1. Bue Mobile Banking App -> Tap FREEZE / CANCEL CARD ntɛm ara 2. Frɛ official bank fraud line wɔ speakerphone so (MFRE sticker nɔma a ɛwɔ ATM no so DA) 3. Hwɛ card bezel edge no mu hwɛ sɛ X-ray film tab tuntum a ɛyɛ tratraa, fishing line, anaa loose glue bezel"]

    AnomalyType -->|"Card Sane, Account Debited, Nanso ZERO Cash Pue"| CashTrapProtocol["CASH-SHUTTER CLAW / GLUE TRAP PROTOCOL: 1. Hwɛ telefon so app: So wɔagye wo sika a aka no? 2. Hwɛ Cash Dispenser Shutter no mu: So plastic anim a ɛyɛ hare bi wɔ hɔ a wɔde gluu abɔ chute no so? 3. Tena afiri & frɛ Bank + Polisifo (911/101/112) na bɔ amanneɛ sɛ active Cash Trap"]

    CardTrapProtocol --> RegEDispute["4. BƆ WO SIKA ho ban (MMRA E / PSD2): - Nya Bank Fraud Reference # ne ATM Terminal ID - Twa ATM card slot, cash shutter, ne overhead pinhole camera area no ho mfonini - Sɛ wɔde debit biara a wɔmma ho kwan a wɔde ahyɛ krataa so a, fa Regulation E / EFT claim a wɔmma ho kwan no kɔ"]
    CashTrapProtocol --> RegEDispute

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Anatomy of physical ATM traps: Sɛnea hardware ntua 4 no yɛ adwuma ne sɛnea wobehu¶

Nea ɛnte sɛ deep-insert electronic skimmers a ɛtwetwe data komm bere a ɛma wutumi wie w’adwuma sɛnea ɛte daa no, trapping attacks honam fam twa wo card anaa sika a ɛwɔ bezel no mu. Sɛnea wɔyɛ mfiri biara ne sɛnea wohu no wɔ 5-second pre-transaction physical tug test mu ni:

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Sɛnea wobɛyɛ "5-Second ATM Physical Security Check" ansa na wode wo kaad no ahyɛ mu¶

Wɔde teyp a ɛwɔ afã abien, silicone adhesive a ɛyɛ mmerɛw, anaa friction clips na ɛde honam fam afiri biako biara (sɛ́ ɛyɛ Lebanese Loop nsateaa, atoro kaad-kenkanfo bezel, keypad a wɔde kata so, anaasɛ sika-shutter mprɛte a wɔde gluu ahyɛ mu) abɔ ATM no akyi sɛnea ɛbɛyɛ a nsɛmmɔnedifo no betumi atetew mu wɔ sikɔne 2 mu bere a wawia wo kaad anaa sika no akyi.

Ansa na wubeyi wo debit card afi wo sika kotoku mu da no, yɛ honam fam nhwehwɛmu a ɛyɛ sikɔne 5 yi:

1. Dan kɔ NFC Tap a Ɛnyɛ Nkitahodi (Apple Pay / . Google Pay / . Tap Card) Bere Biara a Ɛwɔ Hɔ¶

• Nnɛyi sikakorabea ATM dodow no ara wɔ Contactless NFC Symbol (radio asorɔkye anan a ɛkɔ akyiri) wɔ keypad no nkyɛn.
• Sɛ wobɔ wo smartphone sika kotoku anaasɛ wobɔ wo honam fam kaad no so wɔ contactless pad no so sen sɛ wode kaad no bɛhyɛ motorized slot no mu a, Lebanese Loop ntumi nkyere wo card no na deep-insert skimmer ntumi nkenkan wo magnetic stripe. Fa Contactless Tap di dwuma bere nyinaa wɔ ATM ahorow a ɛboa no so.

2. Fa na Wiggly-Twe Kaad Akenkanfo Anom (The 2-Finger Tug Test) .¶

• Sɛ ɛsɛ sɛ wode wo kaad no hyɛ mu a, fa wo nsateaa kɛse ne wo nsateaa a wode kyerɛ ade no kura plastic kaad-kenkanfo bezel (anom a ɛyɛ ahabammono, bruu, anaa dwetɛ) no denneennen na twe na wowosow no benkum, nifa, soro, ne fam.
• Wɔde nkɔnsɔnkɔnsɔn abɔ adwumayɛbea ATM kaad akenkanfo ankasa wɔ dade chassis a ɛwɔ vault no mu no ho na renhinhim milimita biako mpo. Sɛ plastic bezel no sesa, ɛbɔ, ɛte nka sɛ ɛho ayɛ hare, anaasɛ ɛwɔ gluu nkae a ɛyɛ nnam anaasɛ film tuntum ketewaa bi wɔ slot anofafa no mu a, mfa wo kaad no nhyɛ mu.

3. Fa Wo Nsateaa Nnadewa no Tu PIN Keypad no ano ase¶

• Hwɛ stainless-steel PIN keypad no: ATM keypad ankasa te recessed kakra wɔ kokoam kyɛm a ɛbɔ ho ban a atwa ho ahyia mu.
• Sɛ keypad no tena wɔama so, ɛte sɛ rɔba anaasɛ tokuru bere a wɔabɔ no, anaasɛ wobetumi de wo nsateaa nnadewa ama so wɔ ntwea so a, ɛyɛ atoro PIN-logging overlay.

4. Hwɛ na Twe Cash Dispenser Shutter Door no¶

• Ansa na wode wo kaad bɛhyɛ mu no, hwɛ fam wɔ Cash Dispenser Chute (beae a sika no fi adi).
• Hwɛ sɛ aluminum anaa plastic mprɛte a ɛyɛ fitaa biara nni hɔ a wɔde gluu abɔ shutter no ano, na hwɛ sɛ shutter no te hɔ pɛpɛɛpɛ na biribiara nsiw no kwan.

5. Di Thermal & Optical Cameras so nkonim denam "Nsa abien a ɛwɔ ɔdan atifi + 5-Key Touch" Ɔkwan no so¶

• Anamɔn A (Block Optical Lenses): Sɛ worekyerɛw wo PIN a, fa wo nsa benkum no to wo nsa nifa so tratraa te sɛ ɔdan atifi sɛnea ɛbɛyɛ a obiara a ɛwɔ soro, ɔfã, anaa mmati-surfer angle biara rentumi nhu safe a wo nsateaa mia.
• Anamɔn B (Erase Your Thermal Heat Signature): Efisɛ dade ATM keypads kura nsateaa hyew mu simma 45 kosi 60, bere a woamia ara pɛ ENTER, fa wo nsateaa anum a ɛyɛ tratraa no nyinaa to nsafe 10 a nɔma wom no nyinaa so (0 through 9) de yɛ sikani 2. Sɛ woka safe nyinaa a, ɛma keypad no yɛ hyew pɛpɛɛpɛ na ɛsɛe ɔhyew nsaano nkyerɛwee biara.

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Nea ɛkɔ so wɔ ATM no mu bere a Cash-Dispenser Trap siw wo sika kwan (ne nea enti a ɛsɛ sɛ wotwɛn simma 3) .¶

Sɛ nsɛmmɔnedifo bi de gluu de atoro afiri a wɔde tow afiri mu gu sika a wɔde ma no chute no so na wosrɛ sɛ wonyi sika no a, mfiri pɔtee bi si nnidiso nnidiso wɔ ATM no mu sikakorabea no mu:

1. Seconds 0 to 15 (Dispense & Jam): ATM no debit wo sikakorabea akontaabu wɔ kɔmputa so, twe sika no fi sika kasɛt ahorow a ɛwɔ mu no mu, na ɛpia kɔ exit shutter a wɔasiw ano no so.
2. Seconds 15 to 90 (The "Present Timeout" Window): ATM no optical sensors no hu sɛ wɔannyi sika a wɔaboaboa ano no mfi hɔ. Wɔ ATM pii so no, sika no tra atoro shutter no akyi pɛɛ wɔ ɔsɛmmɔnedifo no teyp anaa waya kyɛnsee a ɛyɛ nnam no so.
3. Seconds 90 kosi 120 (Automatic Cash Retraction ANAA Afiri a ɛda adi):
4. Wɔ nnɛyi ATM ahorow a wɔde firmware a ɛko tia sika a ɛkyere nneɛma ahyɛ mu no so no, sɛ shutter no ntumi mmue wɔ sekan 30 kosi 60 mu a, afiri no bɔ mmɔden sɛ ɛbɛsan de sika no akɔ akyi akɔhyɛ dan a wɔde tew nneɛma mu wɔ mu na ɛde wo akontaabu no ahyɛ mu.
5. Nanso, sɛ wɔde sika no bata owifo no ntama mprɛte no ho denneennen anaasɛ wɔde abɔ waya kyɛnsee so a, afiri no ntumi ntwe sika no nsan nkɔ mu. Wɔkɔ so tena chute no akyi anofafa mu twɛn sɛ wobɛkɔ sɛnea ɛbɛyɛ a owifo no betumi atutu atoro prɛte no na ɔde wo sika ahyɛ kotoku mu.

Wo Anamɔn-Anamɔn Adeyɛ Nhyehyɛe Pɛpɛɛpɛ Sɛ Sika Antumi Mma A:¶

1. Tena afiri no anim anyɛ yiye koraa no simma 3 a edi mũ. Mma nnkɔ sikakorabea abrannaa so da a wonnyaw abɔnten ATM no a obiara nhwɛ so; sɛ wowɔ ɔhokafoɔ ka wo ho a, ma onipa baako ntra hɔ nwɛn ATM screen berɛ a onipa a ɔtɔ so mmienu no nantew mu kɔfa baa dwumadibea sohwɛfoɔ no.
2. Hwɛ sika shutter no mu yiye. Sɛ wuhu sɛ atoro nkataso mprɛte a ɛda adi pefee a ɛbata sika a wɔde fi mu no so a wɔde teyp a ɛwɔ afã abien ahyɛ mu a, sɛ wotwe kataso mprɛte a ayɛ hare no fi hɔ a, mpɛn pii no ɛbɛma wo sika a woayi no nyinaa abata prɛte no akyi.
3. Twa mfonini a emu da hɔ ne video wɔ wo fon so. Twa ATM Terminal ID plaque, card slot, cash dispenser shutter, ne on-screen error message no ho mfonini a wo fon no bere nsɔano ka ho.
4. Frɛ wo sikakorabea no nɔma a ɛyɛ aban de wɔ speakerphone so bere a wugyina ATM no so. Ka kyerɛ ananmusifo no sɛ: "Megyina ATM Terminal #[ID] anim pɛɛ wɔ [Address]. Wɔgyee sika wɔ me akontaabu mu $[Amount] wɔ [Time] mu, afiri no yɛɛ dede a ɛkyerɛ sɛ wɔrekan, wɔamfa sika biara amma, na misusuw sɛ honam fam sika-shutter afiri bi wɔ afiri no so." Bisa ɔnanmusifo no sɛ ɔmfa log an Ntɛm ara ATM Dispense Dispute / Regulation E Claim na ma wo claim reference number no ansa na woakɔ.

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Mmara kwan so hokwan a wowɔ sɛ wobɛsan anya wo sika 100%: Federal Regulation E (US) ne PSD2 (UK/EU) .¶

Sɛ Lebanon Loop owifo bi wia wo kaad a wɔakyere no na oyi sika ansa na woatumi de ahyɛ nwini mu, anaasɛ sɛ sika-shutter afiri bi wia wo sika a wode ama no na sikakorabea no mfiase no ka sɛ "Yɛn ATM mu nsɛmma nhoma no ka sɛ wɔde sika no mae," federal consumer banking mmara bɔ wo ho ban bere a woyɛ ade wɔ mmara kwan so amanneɛbɔ mfɛnsere mu no:

1. United States: Ɛlektrɔnik Sika a Wɔde Kɔma Mmara (EFTA) & CFPB Mmara E (12 CFR § 1005.6 & § 1005.11) .¶

• Zero / $50 Liability Cap Bere a Wɔbɔ amanneɛ Wɔ Adwumayɛ Nna 2 Mu: Wɔ ase 12 CFR § 1005.6(b)(1), sɛ wobɔ wo sikakorabea amanneɛ wɔ adwuma nna 2 mu bere a woate wo debit card (a card a wɔakyere no wɔ ATM mu ka ho) akyi a, mmara kwan so asodi a ɛsen biara wɔ sika a woayi a wɔmma ho kwan ho no yɛ $50 (ne $0 wɔ Visa/Mastercard Zero Liability network mmara ase bere a wɔbɔ amanneɛ ntɛm no).
• **Nea Enti a Ɛtɔ mmere bi a Sikakorabea Ahorow Pow ATM Nsisi a "Wɔagye Atom"
• Sɛnea Wobɛdan Pow a Ɛnteɛ: Wɔ Official CFPB Adwumayɛfo Nkyerɛase a Wɔde Ma Mmara E (Supplement I to Part 1005 - Comment 6(b)-2), adetɔfoɔ anibiannasoɔ (te sɛ wo PIN a wɔde bɛbɔ wo mmati so wɔ ATM a wɔakyere mu) ntumi sɛ sikakorabea bi mfa nni dwuma mfa mma w’asodie nkɔ soro nsen mmara kwan so $50 cap, ne nea ɛba fam 15 U.S.C. § 1693g(b), adanseɛ ho adesoa no da sikakorabea so sɛ ɛbɛkyerɛ sɛ wɔmaa asɛm bi ho kwan.
• Fa krataa a wɔakyerɛw Mfomso Ho Amanneɛbɔ (12 CFR § 1005.11) denam nkrataa a wɔagye atom so de wo Police Report Number abata ho na ɛhwehwɛ sɛ sikakorabea no twe ATM Fascia Camera CCTV mfonini ne ATM Internal Electronic Journal (EJ) log a wɔde kyerɛw nsɛm. Wɔ Mmara E ase no, ɛsɛ sɛ sikakorabea no hwehwɛ mu wɔ adwuma nnafua 10 mu anaasɛ ɛsan gye wo akontaabu no din bere tiaa bi.

2. United Kingdom & European Union: Katua Dwumadibea Mmara 2017 / PSD2¶

• Wɔ UK Sikasɛm mu Abrabɔ Bagua (FCA) mmara ne EU Payment Services Directive 2 (PSD2) ase no, ɛsɛ sɛ wo sikakorabea no san de sika a wɔayi afi kaad so a wɔamma ho kwan bedu adwuma da a edi hɔ no awiei (D+1) gye sɛ sikakorabea no betumi akyerɛ sɛ ɛyɛ nsisi anaasɛ anibiannaso kɛse, na UK Financial Ombudsman Service (FOS) abu atɛn mpɛn pii sɛ sɛ obi hwe ase wɔ Lebanon Loop anaasɛ mmati-surfing afiri mu wɔ ATM mu a, ɛyɛ ɛnyɛ anibiannaso kɛse.

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Mpɔtam hɔ ntɛmpɛ nɔma ne adwumakuw no nhyehyɛe ahorow¶

ATM a wɔsɛe no honam fam amanneɛbɔ, kaad a wɔde ahyɛ nwini mu ntɛm ara, ne sika a woyi fi ATM a akyinnyegye wom a ɛkɔ soro no di ɔman no akwan soronko akyi:

• Amerika ne Canada:
• Police Dispatch: Frɛ 911 sɛ owifoɔ no da so ara ahintaw wɔ ATM no ho a ɔrebɔ mmɔden sɛ ɔbɛbɔ wo hu a, anaa frɛ mpɔtam hɔ polisifoɔ a wɔnyɛ ntɛmpɛ line berɛ a wogyina ATM no so sɛdeɛ ɛbɛyɛ a polisini bi bɛtumi anya honam fam Lebanese Loop anaa cash claw device no.
• Banking Regulator Escalation: Sɛ wo sikakorabea pow sɛ wɔbɛsan de sika a woahwere wɔ card trap anaa cash-shutter claw mu no ama wo bere a wode polisifo amanneɛbɔ akɔma akyi a, fa nsɛm a ɛfata kɔ intanɛt so kɔ Consumer Financial Protection Bureau (CFPB) wɔ consumerfinance.gov/complaint (US) anaa Ombudsman for Banking Services and Investments (OBSI) wɔ 1-888-451-4519 (Canada) na ɛwɔ hɔ.
• Ahemman Nkabom:
• Amansan Sikakorabea Nsisi Mmara Tiawa (159): Bere a wugyina ATM no anim pɛɛ a wowɔ kaad a wɔakyere no no, frɛ ** .159** wɔ UK telefon a wokura kyin biara so. 159 Stop Scams UK koodu tiawa no de wo bata wo UK sikakorabea a ɛwɔ mmɔnten so no nsisi dwumadibea a wɔagye atom no ho tẽẽ a womfa wo ho nhyɛ atoro sticker nɔma mu.
• Police & LINK ATM Network Reporting: Frɛ 999 sɛ obi a wosusuw sɛ ɔwɔ hɔ a, anaa 101 / Action Fraud (0300 123 2040) sɛ wobɛnya Crime Reference Number. Ma sikakorabea ntawntawdi a wonnya nsiesiee no yɛ kɛse kɔ Sikasɛm Ho Nsɛm Ho Dwumadibea (FOS).
• Europa Aman Nkabom Kuo:
• Emergency Dispatch & Card Stop Hotlines: Frɛ 112 ma polisifo sɛ wohu afiri bi wɔ afiri bi so a. Fa ɔman no mu telefon a wɔde siw kaad ano 24/7 di dwuma bere a wugyina hyɛn gyinabea hɔ no:
  • France: Frɛ 0 892 705 705 (anaasɛ siw ntɛm ara wɔ wo sikakorabea app no mu) na bɔ amanneɛ collet marseillais de kɔma Polisifo (17).
  • Germany: Frɛ central card-blocking ntɛmpɛ nɔma no 116 116 (Sperr-Notruf) kwa, na frɛ Polisifo (110) de bɔ amanneɛ Cash-Trapping.
  • Belgium: Frɛ Card Stop wɔ 078 170 170 na ɛyɛ.
  • Spain / Italy / Netherlands: Block ntɛm ara denam wo banking app so na frɛ 112 sɛnea ɛbɛyɛ a polisifo betumi agye trapping hardware no.
• Australia ne New Zealand:
• Ntɛmpɛ & Polisifo Mmoa: Frɛ 000 (Australia) anaa 111 (New Zealand) sɛ wohunahuna wo a, anaa Polisifo Mmoa Ntrɛwmu (131 444 wɔ AU / . 105 wɔ NZ) mu. Ma sikakorabea sika a wɔde bɛsan ama ho akasakasa no ayɛ kɛse akɔ Australia Sikasɛm mu Anwiinwii Dwumadibea (AFCA - 1800 931 678) anaa Sikakorabea Ombudsman Nhyehyɛe (NZ - . 0800 805 950) na ɛyɛ.
• India ne Asia-Pacific:
• India: Frɛ 112 (Polisifo) ne Ɔman Cyber Nsɛmmɔnedi & Sikasɛm mu Nsisi Mmoa Dwumadibea wɔ 1930 ntɛm ara bere a woresiw wo kaad no kwan denam SMS anaa mobile banking so no. Wɔ Reserve Bank of India (RBI) Asɛyɛde a Wɔakyerɛw (DBR.No.Leg.BC.78/09.07.005/2017-18), adetɔfoɔ wɔ Zero Liability wɔ ATM a wɔabu so a ɛfiri nnipa foforɔ a wɔbɔ ho amanneɛ wɔ adwuma nnafua 3 mu, na ɛsɛ sɛ sikakorabea ahodoɔ no auto-credit ATM sika a wɔde ma a ɛdi nkoguo no wɔ T+5 nna mu.
• Singapore / Malaysia / Japan: Frɛ 999 (SG/MY) anaa 110 (JP) na fa wo sikakorabea no ntɛm ara Kill Switch afã no di dwuma wɔ wo mobile app no mu.

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Nsɛm a wɔtaa bisa¶

Dɛn nti na wɔfrɛ saa ATM kaad-trapping nsisi yi "Lebanese Loop"?¶

Interpol ne Europa sikakorabea ahobammɔ ho nhwehwɛmufo na wɔyɛɛ asɛmfua "Lebanese Loop" (a wonim no wɔ France sɛ le collet marseillais) wɔ 1990 mfe no awiei mu hɔ bere a amanaman ntam nsisi akuw dii kan yɛɛ ɔkwan no pɛpɛɛpɛ wɔ Beirut ne Mediterranea sikakorabea mmeae ansa na wɔde rekɔ amannɔne wɔ wiase nyinaa no. Mfitiase mfiri no de mfonini anaa aduruyɛ X-ray sini a ɛyɛ mmerɛw a ɛyɛ 35mm a wɔabɔ no akuturuku a ɛyɛ mmerɛw a ɛwɔ ATM no kaad akenkanfo kwan no mu a ɛwɔ nhama nketenkete abien a wɔabobɔw a ɛma sikakorabea kaad bi tumi twetwe kɔ mu yiye, nanso ɛkyeree kaad no akyi ano bere a ATM no mu afiri a wɔde twitwiw nneɛma no bɔɔ mmɔden sɛ wɔbɛsan apia no akɔ abɔnten akɔ adetɔfo no nkyɛn no.

Mɛyɛ dɛn ahu nsonsonoe a ɛda ATM mfiri a ɛnyɛ adwuma yiye ankasa a "ɛdii" me kaad ne Lebanese Loop afiri ntam?¶

Sɛ ATM a ɛwɔ mmara kwan so hyɛ da gye ("kyere") wo kaad (sɛ nhwɛso no, esiane sɛ wode PIN a ɛnteɛ no hyɛɛ mu mprɛnsa a ɛtoatoa so nti, wo kaad no bere atwam, anaasɛ wugyaw kaad no ma ɛhyɛn baabi a wɔde kar sisi no bɛboro sikɔne 30), ATM no mu mfiri a wɔde twetwe kaad no twe kaad no san kɔ dade a wɔatoto mu a wɔde kyere nneɛma gu mu tɔnn wɔ vault no mu, na screen no kyerɛ a nkrasɛm a emu da hɔ a ɛka sɛ: "Wo sikakorabea no akora wo kaad no so." Wɔ Lebanon Loop afiri mu no, kaad no ntumi nkɔ sikakorabea a ɛwɔ mu no mu da; wɔde abɔ plastic menewa a ɛwɔ akyi no mu fã, screen no taa sɛn "Please wait" anaa "Unable to read card" so, na card bezel no te nka sɛ ayɛ mmerɛw anaasɛ ɛkyerɛ film tuntum ketewaa bi anaasɛ fishing-line tab. Nanso, ɛsɛ sɛ wo ne tebea ABIEN NO nyinaa di dwuma pɛpɛɛpɛ: fa kaad no to wo fon app so bere a wugyina afiri no ho ansa na woakɔ da.

Sɛ metwe plastic sika shutter a ayɛ mmerɛw no na mihu sɛ me sika no abata gluu teyp ho wɔ atoro kataso bi akyi a, so ɛsɛ sɛ mefa me sika?¶

Yiw, sɛ wo sika no abata atoro shutter cover akyi wɔ ɔkwan a wotumi hu so na nsɛmmɔnedifo biara nni hɔ a ɔrehyia a, gye wo sika ntɛm ara, fa atoro plastic kataso no di dwuma wɔ n’akyi ano nkutoo sɛnea ɛbɛyɛ a worensɛe nea ɔyɛɛ bɔne no nsateaa a ahintaw wɔ teyp no so, womfa wo nan nkɔ sikakorabea baa dwumadibea anaa ɔmanfo beae a ahobammɔ wɔ, na frɛ polisifo ne wo sikakorabea. Sɛ wodi kan twa afiri a wɔde abata afiri no ho no mfonini a, ɛma polisifo a wɔhwehwɛ nneɛma mu ne wo sikakorabea no nsisi dwumadibea no nyinaa nya adanse a wɔde dade ayɛ.

Adɛn nti na ɔhɔho a ɔkɔɔ ATM vestibule no mu no ka kyerɛɛ me sɛ "Press Cancel mprenu na type wo PIN bio"?¶

Ɛkame ayɛ sɛ saa ɔhɔho no ne nsɛmmɔnedifo a ɔde Lebanon Loop no sii ATM kwan no mu simma 10 a atwam no. Sɛ nsɛmmɔnedifo no annya bere amfa gluu bɛhyɛ mfoninitwa afiri a ɛwɔ pinhole a ɛwɔ soro no wɔ keypad no atifi a, wohia ɔkwan bi a wɔbɛfa so asua wo PIN a ɛwɔ digit 4 no ansa na woagyae na woakɔ. Ɛdenam nantew a wɔde kɔ vestibule no mu a wɔyɛ wɔn ho sɛ adetɔfo foforo na wɔka atosɛm a wotumi gye di kyerɛ wo ("Oh, afiri yi bata ho bere nyinaa, kura Cancel kɛkɛ na kyerɛw wo PIN no bio") so no, wɔdaadaa wo ma kyerɛw wo PIN no wɔ baabi a wotumi hu no pefee bere a wɔhwɛ wo nsateaa wɔ wo mmati so no.

Na sɛ me sikakorabea pow me sika a wɔde bɛsan ama me no sɛ "Wɔde wo EMV chip card ankasa ne PIN a ɛteɛ dii dwuma, enti ɛbɛyɛ sɛ na ɛyɛ wo" nso ɛ?¶

Mma nnye pow a edi kan a wɔde afiri yɛ no ntom. Wɔ U.S. Federal Reserve / CFPB Regulation E (12 CFR § 1005.6) ne UK/EU PSD2 mmara ase no, EMV chip ankasa ne PIN a ɛteɛ a wode bedi dwuma no NNI adanse sɛ woama ho kwan sɛ wonyi bere a wɔfaa ATM afiri so wiaa kaad no na wɔde mmati-surfing anaa pinhole camera na ɛmaa PIN no yɛɛ basaa no. Kyerɛw krataa a wode bɛkɔ akɔdan asɛnnibea a wode wo Polisifo Asɛm Ho Amanneɛbɔ Nɔma abata ho, hwehwɛ sɛ sikakorabea no ntwe ATM no fascia camera video a ɛwɔ mu no mfi bere nsɔano a ɛkyerɛ sika a woyii no nnaadaa no so, na fa nsɛm kɔdan CFPB (U.S.), Sikasɛm ho Ɔhwɛfo Dwumadibea (UK), anaa AFCA (Australia) sɛ sikakorabea no ansan amfa sika a aka no amma wɔ adwuma nnafua 10 ntam a.

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Akwankyerɛ ahorow a ɛfa ho¶

• Sikakorabea jugging ne ATM a wɔde yi sika tailing: spotting surveillance wɔ baabi a wɔde kar sisi
• Kar dan a wɔde kar sisi, antweri dan, ATM vestibule, ne transitional space ambush defense
• Daa nkurɔfo a wɔkyere nkurɔfo sie, wɔhyɛ wɔn ma woyi wɔn fi ATM so, ne nkurɔfo a wɔkyere wɔn sie a wɔtew wɔn so
• Credit card chargeback ho akyinnyegye, ACH debit a wɔmma ho kwan, ne Regulation E hokwan ahorow
• Emergency nɔma ahorow ho kyerɛwtohɔ

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Fibea ne aban akwankyerɛ¶

• Europa Fekuo a ɛhwɛ Ahobanbɔ so (EAST) & Europol Europa Intanɛt so Nsɛmmɔnedibea (EC3): Europa Katua Terminal Nsɛmmɔnedi Amanneɛbɔ - Honam fam ATM Ntua, Kaad Trapping (Lebanese Loop), ne Sika Trapping Typologies.
• Adetɔfoɔ Sikasɛm Ahobanbɔ Dwumadibea (CFPB): Ɛlektrɔnik Sika a Wɔde Kɔma (Mmara E, 12 CFR Ɔfa 1005) - Adetɔfoɔ Asɛdeɛ Anohyeto a Ɛfa ATM a Wɔmma Ho kwan ne Adwumayɛfoɔ Nkyerɛkyerɛmu a Ɛfa PIN a Wɔasɛe Ho.
• United States Secret Service (USSS) & Federal Bureau of Investigation (FBI): Sikasɛm mu Nsɛmmɔnedi Adwumakuo Afotuo a ɛfa ATM Skimming, Pinhole Camera Overlays, ne Physical Bezel Tampering Inspection ho.
• ATM Nnwuma Fekuw (ATMIA) & Diebold Nixdorf / NCR Ahobammɔ Afotu: Nneyɛe Pa a ɛfa Honam fam ATM Kaad Akenkanfo Ahobammɔ, Anti-Cash-Trapping Sensors, ne Adetɔfo Nhumu.
• United Kingdom Sikasɛm mu Abrabɔ Tumi (FCA) & Sikasɛm mu Ɔhwɛfoɔ Dwumadibea (FOS): Akyinnyegyeɛ a ɛfa sika a wɔayi afiri mu, Lebanese Loop Device Claims, ne 159 Stop Scams UK Banking Protocol.