ATM karti minɛni ("Lebanese Loop") ani Cash-Dispenser Claw Scams: Mun na i man kan ka bɔ masin na abada¶

Ni i y’i ka debiti walima i ka karti don Automated Teller Machine (ATM) kɔnɔ dɔrɔn walasa ka karti kalanbaga min bɛ baara kɛ ni motɛri ye, o ka ja, k’i ka karti munumunu k’a sɔrɔ i ma segin a kan, walima ka wari jate mankan bɔ k’a sɔrɔ waribɔlan dakun banna ka da wuli, o man teli ka kɛ masin tiɲɛni ye k’a sɔrɔ i ma kɛ cogo si la. Ameriki Woroduguyanfan, Erɔpu, Angletɛri, Ameriki Latin, ani Azi Pasifiki jamanaw bɛɛ la, ATM nanbarakɛlaw labɛnnenw bɛ farikolo minɛcogo fila bila sen kan, n’o ye "Lebanese Loop" karti-slot sleeve ani Cash-Dispenser Claw / Glue Shutter Trap, minnu dilannen don kɛrɛnkɛrɛnnenya la walasa k’i ka karti walima i ka warisɛbɛnw minɛ jɔnya la 90 ka bezel kɔnɔ segin o bɛ i ta ka i dabila ka taama ka taa. I y’i kɔ tigɛli kɛ yɔrɔnin kelen ka banki ɲɛmɔgɔ dɔ ɲini walima ka taama ka taa i ka mobili la walasa ka kiliyanw dɛmɛni wele, kojugukɛla min tun jɔlen bɛ mɛtɛrɛ fila i kɔfɛ k’a kɛ i n’a fɔ a b’u ka telefɔni lajɛ (walima min y’i ka mɔgɔ yɛrɛ dɔnni nimɔrɔ minɛ pinhole kamera fɛ, keypad overlay, walima thermal-imaging camera fɛ) o bɛ senna ka taa masin in na, ka monofilament tab dogolen dɔ sama walasa k’i ka karti walima warijɛbɔlan minɛlen bɔ, ka i ka ji bɔ don o don bɔli dan ye sanni i ka se nbɛda la. Ni ATM dɔ y’i ka karti mara don dɔ walima ni a ma se k’a ka waribɔlan da wuli wari bɔlen kɔfɛ, i senw da ATM ɲɛkɔrɔ k’a ɲɛsin i yɛrɛ ma, i kana taama ka taa: i ka i ka karti bila i ka mobili banki app kɔnɔ k’i jɔ masin na, ka ban dɛmɛ bɛɛ la ka bɔ "dunan teriyalenw" fɛ vestibule kɔnɔ, ka banki ka nanbara nimɔrɔ wele min bɛ i ka karti kɔfɛ walima i ka sigida la kɔrɔtɔko nimɔrɔw ni bagabagali kɛra, ani ka segin an ka banki jugging ani ATM bɔli tailing guide, anw ka bolifɛnw jɔyɔrɔ ani ATM vestibule laminiko ɲɛminɛbaga, ani anw express kidnapping ani forced ATM bɔli gafe.

Erɔpu tɔnba min bɛ jago lakananenw ɲɛnabɔ (EAST), Ameriki gundolatɔn ka wariko juguya baarakɛjɛkulu, ani ATM Industry Association (ATMIA) ka fɔ la, binkanniw kɛra farikolo karti minɛni ni wari minɛcogo kan, olu cayara ka fara EMV puce jiginni kɛrɛfɛ bawo son min b’i ka EMV puce karti farikoloma sonya ka fara i ka PIN nimɔrɔ 4 kan, o man kan ka puce sirilen in clone dɔrɔn: u bɛ baara kɛ ni i ka puce sirilen yɛrɛ ye dɔrɔn puce karti lakika walasa ka wari caman bɔ a kɛrɛfɛ ATM duuru la ani ka kado kartiw walima ɛntɛrinɛti fɛnw san minnu nafa ka bon miniti 15 kɔnɔ. Liban Loop filimu bololanɛgɛ ka masinko tigitigi faamuyali, warijɛ nkalonma min falen bɛ resɔn na, o ye cogo min na sanni i k’i ka karti don, mun na dunan min b’a fɔ i ye ko "Cancel digi siɲɛ fila ka i ka PIN don kokura" o ye sonyalikɛla yɛrɛ ye min bɛ i ka kode tigɛ, ani i bɛ se k’i ka karti datugu cogo min na segin 10 kɔnɔ i ka telefɔni na k’a sɔrɔ i ma masin di, o bɛ dɔrɔmɛ kelen-kelen bɛɛ lakana i ka jatebɔsɛbɛn kɔnɔ.

Aw bɛ o kɛ sisan¶

1. AW kana taama abada ka bɔ ATM la ni aw ka karti sirilen bɛ slot kɔnɔ walima ni masin bɛ girin k’a sɔrɔ aw ma aw ka wari di. Lebanese Loop karti jaan ni Cash-Claw shutter trap fila bɛɛ bɛ u jigi da i kan kɛmɛsarada la ka masin bila ni dimi ye. I jɔ k’i jɔ klaviyeti ɲɛfɛ k’a bali ka don karti yɔrɔ ni warimarayɔrɔ la, k’i ka telefɔni seleke naani bɔ yen yɛrɛ masin na, k’i ka banki ka telefɔni selilɛri porogaramu da wuli, ka "Lock Card" / "Freeze Debit Card" (walima k’i ka don o don ATM wari bɔli dan jigin ka se $0) sanni i ka sen kelen ta ka bɔ terminal la.
2. I ka ban laadilikan bɛɛ la ka bɔ "dɛmɛbaga ye" o min bɛ don ATM vestibule kɔnɔ k'a fɔ i ye ko i k'i ka PIN sɛbɛn kokura. Liban Loop son dɔ ka klasiki sɛbɛnni ye ka taama ka wuli i kɔfɛ segin 15 i ka karti jam kɔfɛ k'a fɔ ko: "Oh, o masin ye o ɲɔgɔn kɛ tigitigi ne la kunun, i ka i minɛ dɔrɔn CANCEL butɔni ani k’i ka PIN sɛbɛn siɲɛ kelen wɛrɛ kɔnɔ, a bɛ bɔ yen yɛrɛ." I KAN'a don i ka PIN kɔnɔ kokura. Son min jɔlen bɛ i kamankun kan, o bɛ i bolokɔnincininw kɔlɔsi walasa k'i ka PIN nimɔrɔ 4 to a hakili la walasa u ka se k'i ka karti sama ka bɔ bolokɔni na i bɛ taa waati min na.
3. I ka sɛbɛnnikɛlan bolo datugu pewu ni i bolo tɔ kelen ye walima ni i ka waribɔlan ye tuma o tuma n’i bɛ PIN don, hali ni vestibule lankolon don. Liban Loop baarakɛlaw bɛ to ka microscopic pinhole video camera nɔrɔ plastiki nkalonma sɛbɛnmarayɔrɔ dɔ kɔnɔ min bɛ ɛkran sanfɛ, sanfɛ yeelenbɔlan kɔnɔ, walima klaviyeti nkalonma dɔ kɔnɔ. Ni i ye i bolo min tɛ fangatigi ye, i n’a fɔ so jɔlen santimɛtɛrɛ 2 (santimɛtɛrɛ 0,8) i bolokɔnincininw sanfɛ o bɛ sanfɛla pinɛw lensɛriw ni kamera funtenimaw bɛɛ fiyen, ka karti minɛlen kɛ nafa tɛ min na.
4. Ni ATM ye fatura jate mankan masin kɛ (whir-click-click) ani ka wari bɔli lasɔmini sɛbɛn ci i ka telefɔni ma, nka wari si ma bɔ: i ka waribɔlan dakun sɛgɛsɛgɛ ni ɲɛda datugulan nkalonma sirilen tɛ. Wari minɛbaga sonw bɛ aliminiyɔmu walima plastiki nkalon da dɔ siri min falen bɛ resɔn na min datugulen don ni tapi kasɛti ye min bɛ kɛ ni fan fila ye walima ni nɛgɛberew ye, ka ɲɛsin ATM ka waribɔlan lakika kan. Aw bɛ warijɛbɔlan plastiki dawolo sama nɔgɔya la; ni nkalon datugulan dɔ bɔra min b’a jira ko i ka wari sirilen bɛ nɔrɔlen na, i ka i ka wari ta, ka janfa minɛn mara polisiw ye (aw k’a minɛ a dakunw na), ka 911 / 112 / 999 wele o yɔrɔnin bɛɛ ka aw to lakana la.
5. I ka banki ka 24/7 Kunnafoni-falen-falen / nanbarako ɲɛmɔgɔso wele kumakanfɔlan fɛ k’i jɔ masin da la (aw kana telefɔni nimɔrɔ min sɛbɛnnen bɛ ATM kan stika kan abada). Juguyakɛlaw bɛ to ka "ATM Out of Order / Card Retained Helpline" vinyl stika lakika dɔ nɔrɔ ATM ɲɛfɛ ni nimɔrɔ ye min tɛ sara, min bɛ pɛrɛn ka ɲɛsin a baarakɛɲɔgɔn sigilen ma mobili dɔ kɔnɔ nbɛda fan dɔ fɛ, min b’a ɲini i fɛ i k’i ka PIN nimɔrɔ 4 sɛgɛsɛgɛ. I ka nimɔrɔ ofisiyali dɔrɔn de ci ka bɔ i ka banki ka telefɔni selilɛri porogaramu walima a ka siti kan, ka ATM Terminal ID tigitigi fɔ, ani ka ciden bila ka karti tiɲɛ kudayi k’i jɔ yen.
6. I ka farikolo lakanani bila jɔyɔrɔ fɔlɔ la: ni mɔgɔ farimanw donna vestibule kɔnɔ walima ni u y’a ɲini k’i dalajɛ ka bɔ karti sirilen na, i ka karti datugu i ka telefɔni na ka bɔ o yɔrɔnin bɛɛ. Ni i ye "Freeze / Cancel Card" digi i ka banki app kɔnɔ, plastiki karti min sirilen bɛ ATM yɔrɔ kɔnɔ, o tɛ fosi ye ni plastiki salen ye min nafa tɛ. Aw kana don farikolo-ɲɛnajɛ la abada gilasi da tugulen kɔnɔ karti salen dɔ kan; ka bɔ ka don foroba siraba dɔ la min yeelen ka ɲi walima banki bolofara kɔnɔ ka polisiw wele.

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Desizɔn jiri: ATM karti minɛni ani wari-shutter claw kɔrɔtɔko triage¶

Aw bɛ nin sariyasen in labato senfɛ-senfɛ waati min na ATM ma se k’i ka karti segin walima ni a ma wari di i ka jatebɔsɛbɛn bɔli kɔfɛ.

flowchart TD
    Start["Anomali min bɛ ATM la: Karti tɛna bɔ OR Cash Shutter bɛ to ka datugu mankan jate kɔfɛ"] --> StandGround["1. AW KAN’A YƆRƆ MASINA LA: - Aw bɛ to ka jiri turu ka ɲɛsin klaviyeti & karti bilayɔrɔ ɲɛfɛ - Aw bɛ aw farikolo to ka masin bali ka bɔ mɔgɔ o mɔgɔ la min bɛ aw makɔnɔ"]

    StandGround --> StrangerCheck{"2. Yala mɔgɔ dɔ bɛ taama ka na ka ‘dɛmɛ’ di i ma walima k’a fɔ i ye ko i ka segin ka i ka PIN + Cancel don wa?"}

    StrangerCheck -->|"ƆWƆ: Libansi klasiki Loop Shoulder-Surfer"| RefuseStranger["REFUSE & SHIELD KEYPAD: - NEVER re-type your PIN - State firmly: ‘Ne bɛ telefɔni na ni n ka banki lakanabagaw ye sisan’ - Ni u kɛra aggressive ye, lock card on phone app & exit to safety"]

    StrangerCheck -->|"AYI: A kelen na masin na"| AnomalyType{"3. Dɛsɛ jumɛn de kɛra?"}
    RefuseStranger --> AnomalyType

    AnomalyType -->|"Karti Stuck / Retained Kɔnɔna Karti kalanbaga Slot"| CardTrapProtocol["KARTI TRAP (‘LEBANESE LOOP’) PROTOCOL: 1. Mobile Banking App da wuli -> I ka FREEZE / CANCEL CARD digi o yɔrɔnin bɛɛ 2. I ka banki ofisiyali ka nanbara sira wele kumakanfɔlan kan (AW kana stika nimɔrɔ wele abada ATM kan) 3. Aw bɛ karti ɲɛda da lajɛ ni film X-ray nɛrɛmuguma finman, mɔni sira, walima kola bezel lafiyalen tɛ"]

    AnomalyType -->|"Karti Seginna, Compte Debite, Nka ZERO Cash Bɔra"| CashTrapProtocol["CASH-SHUTTER CLAW / GLUE TRAP PROTOCOL: 1. Telefɔni app lajɛ: Yala i ka balansi bɔra wa? 2. Aw bɛ Waribɔlan Datugulan sɛgɛsɛgɛ: Yala plastiki ɲɛda datugulan lafiyalen dɔ bɛ yen min nɔrɔlen bɛ chute kan wa? 3. Aw ka to masin na & ka Banki + Polisiw wele (911/101/112) walasa ka Cash Trap active lakali"]

    CardTrapProtocol --> RegEDispute["4. I KA I KA NAFOLO LAKANANI (SARIYA E / PSD2): - Banki nanbarako ɲɛfɔli # ani ATM Terminal ID sɔrɔ - ATM karti yɔrɔ, waribɔlan, ani sanfɛ pinɛbɔlan kamera yɔrɔ foto ta - Ni debiti dɔ bilala sen kan min ma yamaruya, i ka sariyasen E / EFT ɲinini sɛbɛn sɛbɛn min ma yamaruya"]
    CashTrapProtocol --> RegEDispute

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ATM jaan farikolomaw anatomie: Hardware binkanni 4 bɛ baara kɛ cogo min na ani u yecogo¶

A tɛ i n’a fɔ deep-insert electronic skimmers minnu bɛ kunnafoniw kopi kɛ u makuntɔ k’a sɔrɔ u b’a to i k’i ka jago dafa cogo bɛnnen na, trapping attacks bɛ i ka karti walima i ka wari minɛ farikolo la bezel kɔnɔ. Nin ye minɛn kelen-kelen bɛɛ jɔcogo ye ani a dɔncogo ye segin 5 kɔnɔ ka kɔn jago ɲɛ farikolo-ɲɛnajɛ-sɛgɛsɛgɛli waati la:

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"5-Second ATM Physical Security Check" kɛcogo sani i ka i ka karti don¶

Farikolola minɛn kelen-kelen bɛɛ (a kɛra Liban Loop bololanɛgɛ ye wo, a kɛra karti kalanbaga nkalonma ye wo, a kɛra klaviyeti dacogo ye wo, walima warijɛ-bɔlan nɔrɔlen ye wo) bɛ siri ATM kɛnɛma na ni kase fila ye, ni silikɔni nɔrɔlan barikama ye, walima ni friction clips ye walasa kojugukɛla ka se k’a tigɛ segin 2 kɔnɔ i ka karti walima warijɛ sonyalen kɔfɛ.

Sani i ka i ka debiti karti bɔ i ka waribɔsɛbɛn kɔnɔ, i ka nin farikolo sɛgɛsɛgɛli kɛ min bɛ kɛ segin 5 kɔnɔ:

1. Aw bɛ wuli ka taa NFC Tap (Apple Pay / . Google Pay / . Tap Card) Ni a bɛ sɔrɔ tuma o tuma¶

• Bi banki ATM fanba bɛ ni Contactless NFC Symbol (arajo kurulen naani) ye klaviyeti kɛrɛfɛ.
• N’i ​​y’i ka smartfon portefeuille digi walima n’i y’i ka karti farikoloma digi pad contactless kan sanni i ka karti don motɛri yɔrɔ la, Libanese Loop tɛ se k’i ka karti minɛ ani skimmer min bɛ don a kɔnɔ kosɛbɛ, o tɛ se k’i ka magnetic stripe kalan. Baara kɛ ni Contactless Tap ye tuma bɛɛ ATMw la minnu b’a dɛmɛ.

2. Aw bɛ Karti kalanbaga da Minɛ k’a Sama k’a Lamaga (The 2-Finger Tug Test) .¶

• Ni aw ka kan ka aw ka karti don a kɔnɔ, aw bɛ plastiki karti kalanbaga bezel (nɔnɔbara jɛman, bulu walima warijɛ bɔlen) minɛ ka ɲɛ ni aw bolokɔnincinin ni aw bolokɔnincinin ye ani ka a sama ani k’a lamaga kinin fɛ, kinin fɛ, sanfɛ ani duguma.
• Izini ATM karti kalanbaga lakika dɔ sirilen don ni nɛgɛso kɔnɔna na nɛgɛso kɔnɔ ani a tɛna milimɛtɛrɛ kelen wuli. Ni plastiki bezel bɛ wuli, ka flexion, a bɛ i ko a lafiyalen don, walima ni kola tolen nɔrɔlen bɛ a la walima ni filimu nɛrɛma tab fitinin dɔ bɛ a dawolo da kɔnɔ, aw kana aw ka karti don.

3. Aw bɛ aw bolokɔnincinin boli PIN Keypad da jukɔrɔ¶

• Aw ye PIN klaviyeti lajɛ min dilannen don ni nɛgɛ ye: ATM klaviyeti lakika sigilen bɛ dɔɔnin a kɔnɔna na danbe lakanani lamini kɔnɔ.
• Ni klaviyeti sigilen bɛ kɔrɔta san fɛ, ni a bɛ i ko lastikuw walima a bɛ kɛ dingɛ ye ni a gosira, walima ni a bɛ se ka kɔrɔta nkɔni na ni i bolokɔnincinin ye, o ye PIN-logging overlay nkalonma ye.

4. Aw bɛ warijɛbɔlan dakun da sɛgɛsɛgɛ ani k’a sama¶

• Sani aw ka aw ka karti don a kɔnɔ, aw bɛ Cash Dispenser Chute lajɛ duguma (warisɛbɛnw bɛ bɔ yɔrɔ min na).
• Aw bɛ aw jija aliminiyɔmu walima plastiki jɛman wɛrɛ si ma nɔrɔ dakun da la, ani ka a lajɛ ni dakun sigilen bɛ a cogo la ani ni a ma bali.

5. Ka se sɔrɔ kameraw kan minnu bɛ wele ko Thermal & Optical Cameras ni "Two-Handed Roof + 5-Key Touch" fɛɛrɛ ye¶

• Step A (Block Optical Lenses): Ni aw bɛ aw ka PIN sɛbɛn, aw bɛ aw kininbolo lafiɲɛ i kininbolo kan i n’a fɔ so sanfɛ walasa sanfɛla, kɛrɛfɛ walima kamankun-surfer angle kana se k’a ye i bolokɔnincininw bɛ butɔni minnu digi.
• Sen B (Erase Your Thermal Heat Signature): Sabula nɛgɛ ATM klaviyetiw bɛ bolokɔni funteni mara fo segin 45 fo sekɔndi 60, ni i ye a digi dɔrɔn ENTER, aw bɛ aw bolokɔni flanan duuru bɛɛ lafiɲɛ kilisi nimɔrɔ 10 bɛɛ kan (0 through 9) fo segin 2. Ni i magara kilisi bɛɛ la, o bɛ klaviyeti sumaya cogo kelen na ani ka siginiden sumayalen bɛɛ tiɲɛ.

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Mun bɛ kɛ ATM kɔnɔ ni Cash-Dispenser Trap ye i ka wari bali (ani mun na i ka kan ka miniti 3 makɔnɔ)¶

Ni kojugukɛla dɔ ye nkalon tigɛlan dɔ nɔrɔ waribɔlan kan, n’i y’a ɲini ka wari bɔ, masin kɛrɛnkɛrɛnnen dɔ bɛ kɛ ATM kɔnɔna safe kɔnɔ:

1. Segin 0 ka se 15 ma (Dispense & Jam): ATM bɛ i ka banki jatebɔsɛbɛn bɔ ɛntɛrinɛti kan, ka warisɛbɛnw sama ka bɔ kɔnɔna warijɛ kasɛtiw la, k’u gɛrɛ bɔli dakun datugulen na.
2. Segin 15 ka se 90 ma (The "Present Timeout" Window): ATM ka optique sensorw b'a ye ko warijɛ kulu ma bɔ. ATM caman kan, warisɛbɛnw bɛ to ka siri nkalon tigɛlan kɔfɛ yɛrɛ, kojugukɛla ka kaseti nɔrɔlen walima nɛgɛ foroko la.
3. Segin 90 ka se 120 ma (Wari seginni otomatiki OR Jaan min bɛ kɛnɛ kan):
4. Bi ATM minnu bɛ ni warimara kɛlɛli firimiwɛri ye, ni dakun tɛ se ka da seginkanni 30 fo 60 kɔnɔ, masin b’a ɲini ka faturaw kɔsegin kɔfɛ ka don kɔnɔna saniyabɔlan dɔ kɔnɔ ka don i ka jatebɔsɛbɛn kɔnɔ.
5. Nka, ni warisɛbɛnw nɔrɔlen don kosɛbɛ sonyalikɛla ka nɔrɔlan na walima ni u sirilen don nɛgɛ foroko kan, masin tɛ se ka warisɛbɛnw sama ka segin a kɔnɔ. U bɛ to ka sigi sɔgɔsɔgɔninjɛ kɛnɛma dawolo kɔnɔ k’i makɔnɔ i ka taama ka taa walasa son ka se ka nkalon tasa bɔ k’i ka wari bila i ka bɔrɛ kɔnɔ.

Aw ka walekɛcogo tigitigi min bɛ kɛ senfɛ-senfɛ ni wari ma se ka di:¶

1. Aw ka to masin ɲɛfɛ miniti 3 dafalen kɔnɔ. Aw kana taama abada banki kɔnɔna na ka kɛnɛma ATM to mɔgɔ tɛ min na; ni i taamaɲɔgɔn dɔ bɛ i fɛ, i ka mɔgɔ kelen to ka ATM ekran kɔlɔsi ka sɔrɔ ka mɔgɔ filanan taama ka don kɔnɔ ka bolofara ɲɛmɔgɔ ta.
2. Aw bɛ warimarayɔrɔ lajɛ kosɛbɛ. Ni aw ye datugulan nkalonma jɛlen dɔ ye min sirilen bɛ waribɔlan kan ni kase ye min fan fila bɛ a la, ni aw ye datugulan lafiyalen sama ka bɔ, o bɛna a to aw ka warijɛ bɔlen bɛɛ lajɛlen jira min sirilen bɛ sɛbɛnfura kɔfɛ.
3. Aw ye foto jɛlenw ni wideyow ta aw ka telefɔni na. Aw ye ATM Terminal ID plaque, card slot, wari dilanyɔrɔ shutter, ani on-screen error message foto ta ni aw ka telefɔni waati taamasiyɛn ye.
4. I ka banki ka nimɔrɔ ofisiyali wele kumakanfɔlan kan k'i jɔ ATM la. A fɔ ciden ye ko: "Ne jɔlen bɛ ATM Terminal #[ID] ɲɛfɛ yɛrɛ [Adrɛsi]. Ne ka jatebɔsɛbɛn bɔra $[Hakɛ] la [Waati] la, masin ye jatebɔ mankan kɛ, wari si ma di, ani ne bɛ sigasiga ko warijɛ-bɔn-jaan farikoloma dɔ bɛ masin kan." A ɲini ciden fɛ a ka don ATM Dispense Dispute / Regulation E Claim teliya ani ka claim reference number di i ma sani i ka taa.

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I ka josariyaw sariya sira fɛ ka i ka wari 100% sɔrɔ: Fɛderasiyɔn ka sariya E (Amerika) ani PSD2 (UK/EU) .¶

Ni Liban Loop sonyalikɛla dɔ y’i ka karti minɛlen sonya, ka wari bɔ sanni i ka se k’a bila konnɛgɛ, walima ni warijɛ-datugulan jaan ye i ka wari dilen sonya ani ni banki y’a fɔ a daminɛ na ko "An ka ATM kɔnɔna gafe b’a fɔ ko warisɛbɛnw dira," fédéral ka banki kunmabɔnafolo sariyaw b'i lakana n'i bɛ wale kɛ sariya kɔnɔ, kunnafonidisɛbɛnw kɔnɔ:

1. Etazuni: Ɛntɛrinɛti kan nafolo cili sariya (EFTA) & CFPB sariyasen E (12 CFR § 1005.6 & § 1005.11) .¶

• Zero / $50 Liability Cap Ni a fɔra baarakɛdon 2 kɔnɔ: Under 12 CFR § 1005.6(b)(1), n’i y’i ka banki ladɔnniya baara tile 2 kɔnɔ i kɛlen kɔ k’i ka debiti karti bɔnɛni walima a sonyali dɔn (karti min sirilen bɛ ATM kɔnɔ), i ka sariya siratigɛ la jalakiba dantigɛlen bɛ $50 (ani $0 Visa/Mastercard Zero Liability réseau sariyaw kɔnɔ ni o fɔra joona).
• Mun na bankiw bɛ ban tuma dɔw la cogo jugu la ATM nanbarako "PIN-Authenticated": Banki fɔlɔw ka sɔsɔli sɛbɛnnikɛla dɔw bɛ fili ka sɛbɛn ci min bɛ ban i ka fɔta la bawo "I ka EMV puce karti lakika ni PIN nimɔrɔ 4 tiɲɛnenw kɛra ATM la."
• Sanbaliya jugu bɛ se ka wuli cogo min: CFPB baarakɛlaw ka faamuyali ofisiyali sariyasen E kɔnɔ (Supplement I to Part 1005 - Comment 6(b)-2), kunmabɔnafolo ka dɛsɛ (i n’a fɔ ka i ka PIN kɛ i kamankun na ATM min sirilen don) tɛ se ka baara kɛ ni o ye banki fɛ walasa ka dɔ fara i ka juru kan ka tɛmɛ sariya kɔnɔ $50 hakɛ kan, ani a jukɔrɔ 15 U.S.C. § 1693g(b), dalili doni bɛ banki kan walasa k' a jira ko jago dɔ yamaruyara.
• Aw ye sɛbɛn ci Misali laseli (12 CFR § 1005.11) ka tɛmɛn lɛtɛrɛsɛbɛn kan min sɛgɛsɛgɛlen don k’i ka Polisi ka kunnafoni nimɔrɔ nɔrɔ a la ani k’a ɲini banki fɛ a ka ATM Fascia Camera CCTV footage ani ATM Internal Electronic Journal (EJ) log. Sariyasen E kɔnɔ, banki ka kan ka sɛgɛsɛgɛli kɛ baara tile 10 kɔnɔ walima ka i ka jatebɔsɛbɛn tɔgɔ sɛbɛn kokura waati dɔ kɔnɔ.

2. Angletɛri & Erɔpu Kelenyatɔnba: Sarako baarakɛlaw ka sariyaw 2017 / PSD2¶

• UK Financial Conduct Authority (FCA) sariyaw kɔnɔ ani EU Payment Services Directive 2 (PSD2) kɔnɔ, i ka banki ka kan ka wari bɔ karti la min ma yamaruya ka se baarakɛdon nata laban ma (D+1) fo ni banki bɛ se ka nanbara walima dɛsɛba jira, ani Angletɛri Nafolo Lafasalitɔn (FOS) ye a latigɛ siɲɛ caman ko ka bin Liban Loop walima shoulder-surfing jaan dɔ la ATM la, o ye tɛ dɛsɛba ye.

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Sigidaw ka kɔrɔtɔko nimɔrɔw ani baaradaw ka sariyaw¶

ATM farikolo tiɲɛni kofɔli, kartiw bilali teliya la, ani ATM wari bɔli sɔsɔlenw caya, o bɛ tugu jamana ka sira danfaralenw kɔ:

• Amerika ni Kanada:
• Polisiw ka cikan: Aw bɛ 911 wele ni sonsannin bɛ ka a yɛrɛ dogo hali bi ATM kɛrɛfɛ k’a ɲini k’aw lasiran, walima ka sigida polisiw ka layini wele min tɛ kɔrɔtɔko ye k’aw jɔlen to ATM la walasa polisikɛla dɔ ka se ka Liban Loop farikoloma walima warijɛ claw minɛn sɔrɔ.
• Banki Regulator Escalation: Ni i ka banki banna ka wari segin min tununna karti jaan walima wari-bɔ-kɔlɔsi fɛ i kɛlen kɔ ka polisiw ka jaabi di, i ka jalaki sɛbɛn di ɛntɛrinɛti kan Consumer Financial Protection Bureau (CFPB) la consumerfinance.gov/complaint (US) walima Bankiw ka baara ni wari bilali lafasalitɔn (OBSI) la 1-888-451-4519 (Kanada) (Kanada).
• Royaume-Uni:
• Banki diɲɛ bɛɛ ka nanbarako sariya surun (159): Ni i jɔlen bɛ ATM ɲɛfɛ yɛrɛ ni karti minɛlen ye, i bɛ ** wele.159** Angletɛri telefɔni selilɛri o telefɔni selilɛri kan. 159 Stop Scams UK kode surun bɛ i cɛsiri ka ɲɛsin i ka Angletɛri siraba banki ka nanbarako ɲɛmɔgɔso sɛgɛsɛgɛlen ma k’a sɔrɔ i ma farati lase stika nimɔrɔ nkalonma ma.
• Police & LINK ATM Network Reporting: Aw bɛ 999 wele ni mɔgɔ siguilen dɔ bɛ yen, walima 101 / Action Fraud (0300 123 2040) ka Crime Reference Number sɔrɔ. Bankiw ka sɔsɔli minnu ma ɲɛnabɔ, olu bonya ka se Nafolo Lafasalitɔn (FOS) ma.
• Erɔpu jamanaw ka tɔnba:
• Emergency Dispatch & Card Stop Hotlines: Aw bɛ 112 wele polisiw ma ni jaan dɔ sɔrɔla masin dɔ kan. Aw bɛ baara kɛ ni jamana ka bankiw ni ɲɔgɔn cɛ kartiw balilanw ye tile 24/7 ni aw jɔlen bɛ kurunbonkarila la:
  • France: A wele 0 892 705 705 (walima ka bloki o yɔrɔnin bɛɛ i ka banki app kɔnɔ) ani ka jaabi di collet marseillais ka Polisiw (17).
  • Alemaɲi: Aw bɛ se ka karti-blocking central nimɔrɔ wele 116 116 (Sperr-Notruf) fu, ani ka Polisiw wele (110) ka kunnafoni di Cash-Trapping.
  • Belgique: A wele Card Stop at 078 170 170.
  • Espagne / Itali / Pays-Bas: Block teliya la i ka banki app fɛ ka 112 wele walasa polisiw ka se ka trapping hardware minɛ.
• Ɔsitarali ni Zelande kura:
• Kɔrɔtɔko & Polisiw ka dɛmɛ: Aw bɛ 000 (Ɔsitarali) walima 111 (New Zealand) wele ni aw bɛ bagabagali kɛ, walima Polisiw ka dɛmɛ sira (131 444 ka AU / . 105 ka NZ). Bankiw ka wariko seginni sɔsɔliw bonya ka taa Ɔsitarali nafolo ɲininkaliw ɲɛmɔgɔso (AFCA - 2019) ma. 1800 931 678) walima Bankiw ka Lafasalitɔn (NZ - 0800 805 950).
• Endi ni Azi Pasifiki:
• Endi: Aw bɛ 112 (Polisi) wele ani Jamana ka Sibɛri Juguya & Nafolo Namara Dɛmɛn yɔrɔ la 1930 o yɔrɔnin bɛɛ k’a sɔrɔ i bɛ i ka karti bali SMS walima banki mobili fɛ. Ɛndujamana ka banki min bɛ wele ko Reserve Bank of India (RBI) ka jatebɔsɛbɛn (DBR.No.Leg.BC.78/09.07.005/2017-18), kiliyanw bɛ Zero Liability sɔrɔ mɔgɔ sabananw ka ATM sariya tiɲɛniw na minnu fɔra baara tile 3 kɔnɔ, ani bankiw ka kan ka ATM wariko dɛsɛlenw kɛ u yɛrɛma T+5 tile kɔnɔ.
• Singapore / Malaysia / Japon: Aw bɛ 999 (SG/MY) walima 110 (JP) wele ani ka baara kɛ ni aw ka banki ka teliya la Kill Switch fɛɛrɛ ye aw ka mobili app kɔnɔ.

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Ɲininkali minnu bɛ kɛ tuma caman na¶

Munna nin ATM karti-trapping nanbara in bɛ wele ko "Lebanese Loop"?¶

Interpol ni Erɔpu bankiw lakanani sɛgɛsɛgɛlikɛlaw ye daɲɛ in da "Libanese Loop" (a bɛ fɔ a ma Faransi ko le collet marseillais) san 1990 labanw na, diɲɛ nanbaratɔnw ye fɛɛrɛ in dafa fɔlɔ Beyrouth ani Mediterane bankiw yɔrɔw la sanni u k’a bila diɲɛ kɔnɔ. Minɛn fɔlɔ tun bɛ baara kɛ ni fototalan walima furakɛli filimu ye min bɛ se ka wuli ka bɔ a nɔ na, ​​n’o ye milimɛtiri 35 ye, n’o bɛ se ka wuli ka bɔ a nɔ na, ​​n’a kɔrɔtalen don ka kɛ fɛn dɔ ye min bɛ ATM ka karti kalanyɔrɔ kɔnɔ, ni a dawolo misɛnnin fila ye minnu dabɔra, minnu b’a to banki karti bɛ se ka sɛgɛn ka don kɔnɔna na ka ɲɛ, nka a ye karti kɔfɛla minɛ tuma min na ATM ka motɛri wulilanw y’a ɲini k’a gɛrɛ ka segin ka bɔ ka taa kiliyan fɛ.

Ne bɛ se ka danfara don cogo di ATM masin baarakɛbaliya lakika cɛ min ye ne ka karti "dun" ani Liban Loop jaan cɛ?¶

Ni ATM sariyalen dɔ y’a laɲini ka i ka karti minɛ ("a bɛ") (misali la, k’a sababu kɛ i ye PIN jugu don siɲɛ saba ka tugu ɲɔgɔn na, i ka karti waati tɛmɛna, walima i ye karti to a ka bɔ a da la ka tɛmɛ segin 30 kan), ATM kɔnɔna motɛri wulilanw bɛ karti sama ka segin ka don nɛgɛ minɛyɔrɔ dɔ kɔnɔ min datugulen don, ka don a kɔnɔna na, ani ɛkran bɛ a jira cikan jɛlen min b'a fɔ ko: "I ka karti maralen bɛ i ka wariko tɔn fɛ." Liban Loop jaan kɔnɔ, karti tɛ se abada kɔnɔna nafolomarayɔrɔ la; a bɛ siri kɛnɛma plastiki dawolo tilancɛ kɔnɔ, a ka c’a la, ekran bɛ jɛngɛ "Sɔn ka kɔnɔni kɛ" walima "I tɛ se ka karti kalan", ani karti dawolo bɛ i ko a lafiyalen don walima a bɛ filimu nɛrɛma fitinin dɔ jira walima mɔni-sira tab. Nka, aw ka kan ka o ko fila bɛɛ furakɛ cogo kelen na: aw bɛ karti bila aw ka telefɔni porogaramu kɔnɔ ka aw jɔ masin da la sani aw ka taa.

Ni ne ye plastiki waribɔlan lafiyalen sama, ka a ye ko ne ka wari sirilen bɛ kola kase la, nkalon datugulan kɔfɛ, yala ne ka kan ka ne ka wari ta wa?¶

Ɔwɔ, ni i ka wari sirilen bɛ yelen na ka ɲɛsin nkalon tigɛlan kɔkanna ma, wa kojugukɛla si ma i kunbɛn, i ka warijɛ segin i ma joona, ka plastiki nkalonma datugulan minɛ a kɛnɛma dakunw dɔrɔn fɛ walasa i kana kojugukɛla ka bolokɔni dogolenw nɔgɔ kasɛti kan, ka sen don banki bolofara kɔnɔ walima foroba yɔrɔ lafiyalen dɔ la, ka polisiw ni i ka banki wele. Jaan min sirilen bɛ masin na, n’i ye o foto ta fɔlɔ, o bɛ dalilu nɛgɛma di polisiw ka ɲininikɛlaw ma ani i ka banki ka nanbarako ɲɛmɔgɔso fila bɛɛ ma.

Munna dunan min taamana ka don ATM vestibule kɔnɔ, o y'a fɔ n ye ko "Press Cancel siɲɛ fila ka i ka PIN sɛbɛn tugun"?¶

O dunan in bɛ ɲini ka kɛ kojugukɛla ye min ye Liban Loop sigi ATM yɔrɔ kɔnɔ miniti 10 ka kɔn o ɲɛ. Ni kojugukɛla ma waati sɔrɔ ka kamera sanfɛla pinɛw nɔrɔ klaviyeti sanfɛ, u mago bɛ fɛɛrɛ la walasa k’i ka PIN nimɔrɔ 4 dege sanni i k’i dabila ka taa. Ni u bɛ taama-taama ka don vestibule kɔnɔ k’a kɛ i n’a fɔ u ye kiliyan wɛrɛ ye ani ka nkalon dɔ fɔ i ye min bɛ se ka da a la ("O, nin masin in bɛ nɔrɔ tuma bɛɛ, i ka Cancel minɛ dɔrɔn k'i ka PIN sɛbɛn kokura"), u b'i lafili k'i ka PIN sɛbɛn yɔrɔ jɛlen na k'a sɔrɔ u b'i bolokɔnincininw kɔlɔsi i kamankun kan.

Ni ne ka banki banna ne ka wari seginni ɲinini na k'a fɔ ko "I ka EMV puce karti lakika ni PIN ɲuman kɛra, o la, n'a sɔrɔla i de tun don" do?¶

Aw kana sɔn otomatiki ma min bɛ kɛ ni sɔsɔli fɔlɔ ye. U.S. Federal Reserve / CFPB Regulation E (12 CFR § 1005.6) ani UK/EU PSD2 sariyaw kɔnɔ, EMV puce lakika ni PIN ɲuman kɛli TƐ a jira ko i ye yamaruya di ka bɔli kɛ ni karti sonyara ATM jaan fɛ ani ni PIN tiɲɛna ni shoulder-surfing walima pinhole camera ye. Aw ye sɛbɛn dɔ ci min bɛ aw ka Polisiw ka ko kɛlenw kunnafoni nimɔrɔ nɔrɔ a la, ka a ɲini banki fɛ a ka ATM ka fascia kamera videyo min bɛ a kɔnɔ, o sama ka bɔ wari bɔli nanbaratɔw waati taamasiyɛn na, ani ka jalaki bɔ CFPB (Amerika), Nafolo Lafasalitɔn (UK), walima AFCA (Ɔsitarali) fɛ ni banki ma wari tɔ segin baarakɛdon 10 kɔnɔ.

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Gafe minnu bɛ tali kɛ o ko la¶

• Banki jugging ani ATM bɔli kɔfɛ : kɔlɔsili kɔlɔsili mobili jɔyɔrɔ la
• Parking garage, escalier, ATM vestibule, ani tɛmɛsira yɔrɔ lamini lakanani
• Mɔgɔ minɛni teliya la, ka bɔ ATM la ni fanga ye, ani mɔgɔ minɛni de-escalation
• Kredi karti wari sarali sɔsɔli, ACH debit min ma yamaruya, ani Regulation E josariyaw
• Kɔrɔtɔko nimɔrɔw ɲɛbilasɛbɛn

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Sosow ani ɲɛmɔgɔyaso ka bilasiralikan¶

• Erɔpu ka tɔnba min bɛ jagokɛlaw ka baara lakananenw (EAST) & Europol Erɔpu Sibɛrijuguya Cɛmancɛ (EC3): Erɔpu ka wariko dantigɛliw - ATM binkanni farikoloma, karti minɛni (Liban Loop), ani wari minɛcogo suguyaw.
• Mɔgɔw ​​ka nafolo lakanani biro (CFPB): Elektroniki nafolo cili (Sariyasen E, 12 CFR tilayɔrɔba 1005) - Kunnafonidila ka juruw dantigɛli ATM bɔli la ni yamaruya tɛ ani baarakɛlaw ka ɲɛfɔli PINw kan minnu bɛ tiɲɛ.
• Amerika gundo baarada (USSS) & Fɛdɛrali Bureau of Investigation (FBI): Nafolo juguya baarakɛjɛkulu ka ladilikanw ATM Skimming, Pinhole Camera Overlays, ani Physical Bezel Tampering Inspection kan.
• ATM Industry Association (ATMIA) & Diebold Nixdorf / NCR Lakanali Ladilikanw: Fɛɛrɛ ɲumanw ATM karti kalanbaga farikolo lakanani, wariko kɛlɛli senfɛ, ani kiliyanw lafaamuyali.
• Royaume Uni ka nafolosɔrɔko ɲɛmɔgɔso (FCA) & Nafolo Lafasalitɔn (FOS): Kɛwalew bɔli sɔsɔli la, Liban Loop minɛnw ɲininiw, ani 159 Stop Scams UK Banking Protocol.