ATM bɔli fanga la ani mɔgɔ minɛni waati kunkurunnin kɔnɔ ɲɛnamaya¶

Mɔgɔfaga teliya (a bɛ fɔ Ameriki Latin jamana bɛɛ la ko secuestro exprés ani Afiriki tilebinyanfan, Erɔpu ani Ameriki Woroduguyanfan na ko ATM minɛni jagoyalen walima mobili banki minɛni) ye kojuguba ye min bɛ nbɛdaw binkanni ni jɔnya minɛni waati kunkurunnin kɔnɔ. Sanni u ka jatigɛwalekɛla dɔ ka waribɔsɛbɛn minɛ dɔrɔn k’a boli, kojugukɛla kelen walima caman bɛ mɔgɔ minɛ min ye marifatigi ye, o bɛ mɔgɔ minɛ otomatiki waribɔlan (ATM) da la, bolifɛnw jɔyɔrɔ la, bolifɛnw tilayɔrɔ/takisi ta yɔrɔ la, walima nbɛda la, ka jatigɛwalekɛla minɛ kaso la miniti 15 fo lɛri damadɔ. O finɛtiri kɔnɔ, mɔgɔ minɛbagaw bɛ taama walima ka mɔgɔ minɛ ka bɔ ATM la ka taa ATM la walasa ka don o don wari bɔli danw bɔ, ka jatigɛwalekɛla wajibiya a k’a ka telefɔni seleke naani da wuli ni FaceID/TouchID ye walima ni tɛmɛsira ye walasa ka banki ka wari bila yɔrɔnin kelen na (i n’a fɔ PIX, Zelle, Revolut, walima kripto wari bilali), walima ka mɔgɔ minɛlen minɛ mobili kɔnɔ ka tɛmɛ su tilancɛ kan walasa banki ka ta Lɛrɛ 24 ATM bɔli dan bɛ segin ka kɛ wari bɔli siɲɛ filanan ye.

Ka kisi ATM binkanni jagoyalen ma walima mɔgɔ minɛni teliya la, o bɛ taabolo fila faamuya minnu tɛ kelen ye. A fɔlɔ, sanni binkannikɛla dɔ k’i don mobili kɔnɔ walima so dagalen kɔnɔ don dɔ, i ka fɔlɔfɔlɔba ye k’i yɛrɛ tanga bolifɛnw ma minnu datugulen don, n’i y’i ka waribɔlan, warijɛ da wulibali, walima mobili konnɛgɛw fili duguma, ka boli foroba yɔrɔ fɔlɔ la ni yɔrɔ dɔ bɛ yen. Filanan, n’i lamininen don kaban, n’i bɛ nkɔni na ATM kɔnɔna na, walima n’i minɛna marifa cilen na mobili bolitɔ kɔnɔ, i ka ɲɛnamaya bɛ bɔ ka sariya labatoli la min bɛ kɛ ni cɛsiri ye, min hakili sigilen don, min bɛ kɛ ni dɔnkilidacogo ye: ka mɔgɔ minɛbaga marifatigiw hakili ɲagami minnu bɛ siran ko i bɛ jɛkafɔ kɛ kɛmɛsarada la walasa ka wari di u ma joona walasa u k’i bila k’a sɔrɔ i ma foyi kɛ, k’a sɔrɔ i bɛ i yɛrɛ tanga ɛntɛrinɛti nsiirinw ma (i n’a fɔ a bɛ fɔ cogo min na nkalon "reverse PIN" duguba kɔnɔ nsiirin) min bɛ se k'i faga.

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Aw bɛ o kɛ sisan¶

Ni binkannikɛla marifatigi dɔ ye i kunbɛn ATM la sisan yɛrɛ, k’i ka PIN ni telefɔni seleke naani tɛmɛsira ɲini, walima n’a y’i wajibiya ka wari bɔ walima ka wari bila, i ka nin fɛɛrɛ wɔɔrɔ ninnu kɛ o yɔrɔnin bɛɛ:

1. Aw bɛ aw bolo fila kɔrɔta ni aw bolokɔni dabɔlenw ye minnu bɛ ye, ka aw ɲɛda jigin dɔɔnin, ka a fɔ o yɔrɔnin bɛɛ ko aw bɛna jɛ ka baara kɛ pewu: Aw bɛ aw bolow to disi la, binkannikɛla bɛ se k’aw bolokɔnincininw ye yɔrɔ min na, aw kana aw ɲɛw filɛ ka ɲɛ (walasa aw kana jalaki k’u ɲɛda to aw hakili la), ani ka kuma ni kan hakilisigi ye, min bɛ kɛ dɔɔnin dɔɔnin, min bɛ jɔ: "Ne tɛna taa i kɛlɛ. I bɛ se ka kɛ ni o ye warijɛ ni telefɔni i b'a fɛ n ka min kɛ, i k'o fɔ n ye, n bɛna o kɛ dɔɔnin dɔɔnin."
2. Aw bɛ bolo lamagacogo kelen-kelen bɛɛ laseli SANI aw ka se ka don bɔrɔ kɔnɔ, waribɔlan kɔnɔ, walima jakite kɔnɔ: Binkannikɛlaw minnu bɛ marifa ta ATM minɛni waati la, olu bɛ siran kosɛbɛ k’a ye ko i bɛ i bolo se marifa dogolen dɔ ma walima ko i bɛ polisiw ka siran butɔni dɔ baara. Sani i ka bolo dɔ lamaga ka taa i ka waribɔsɛbɛn walima i ka telefɔni fan fɛ, i ka o lamaga lakali ni kanba ye: "Ne ka waribɔlan ni ne ka debiti karti bɛ ne ka pantalon ɲɛfɛ kininbolo bɔrɛ kɔnɔ. Ne bɛna n bolo don dɔɔnin dɔɔnin ni n bolokɔni fila ye sisan yɛrɛ."
3. I ka ATM PIN lakika ni smartfon lakika unlock passcode di o yɔrɔnin bɛɛ (i kana a ɲini abada ka "Reverse PIN" ɛntɛrinɛti nsiirin nkalonma kɛ): Ni binkannikɛla y'i ka PIN ɲini walima n'a y'i yamaruya k'a sɛbɛn klaviyeti kɔnɔ, i ka PIN lakika don saniya la i ka cɛsiri fɔlɔ la. Aw kana aw kana aw ka PIN sɛbɛn kɔfɛ k’a jigi da ko a bɛna polisiw wele makun na (banki walima ATM rezo si tɛ dugukolo kan min tɛ ni "PIN kɔsegin" alarma ye; ni i donna kɔfɛ PIN kɔnɔ, o bɛ "PIN jugu" fililan dɔ daminɛ dɔrɔn ATM kɔlɔsilikɛlan kan, o min bɛ binkannikɛla marifatigi dɔ dalen to a la ko i bɛ nkalon tigɛ u la ani ka fariyako lawuli teliya la).
4. Ni binkannikɛla b’a fɛ i ka waribɔlan, warijɛ, walima telefɔni dɔrɔn de ka kɛ nbɛda la, i k’a fili i yɛrɛ ma, i kana don mobili kɔnɔ abada ni boli sira b’i bolo: Ni binkannikɛla dɔ min bɛ sirada la walima mobili jɔyɔrɔ la, o y’a ɲini i fɛ i ka don mobili kɔnɔ ka taa ATM la, i kana don mobili kɔnɔ ni bolicogo dɔ bɛ yen. I ka warijɛ, kartiw ani telefɔni bɔ, k’u fili walima k’u fili siraba kan ka taa binkannikɛla senw fan fɛ, k’a fɔ ko "Ne ka karti filɛ nin ye ani ne ka PIN ye [XXXX] ye, ka mobili ni fɛn bɛɛ ta," ka boli ka taa nbɛda la, magan dɔ la, walima siraba kan, yɔrɔ min falen bɛ mɔgɔw la.
5. Ni i minɛna kaban mobili kɔnɔ walima ni i taara ni i ye ATM caman na, i ka kɛ "Low-Friction, High-Transparency" jɔnya ye: N'i sirilen bɛ mobili kɔnɔ kaban ni mɔgɔ minɛbagaw ye marifatigiw fɛ, i kana sɔsɔli kɛ, i kana jɛmukan kɛ u ye, wa i kana a ɲini ka banki karti filanan dogo i ka sanbara kɔnɔ (n'u y'i ɲini ka karti dogolen dɔ sɔrɔ i y'a fɔ kɔfɛ ko i t'a fɛ, u bɛna a miiri ko i ye o ye ka u lafili). Aw k’aw ka mobili banki ekran yɛrɛ jira u la ni aw ka don o don dan sera u ma walasa u k’a ye n’u yɛrɛ ɲɛ ye ko banki sitɛmu de bɛ ka wari bɔli wɛrɛw bali, aw tɛ.
6. Aw k’aw kunkolo jigin ani ka taama ka taa kɔfɛ k’a sɔrɔ aw ma aw kɔ filɛ ni aw bilala, o kɔfɛ aw bɛ don boon dɔ kɔnɔ min kɔnɔ baarakɛlaw bɛ yen walasa ka kɔrɔtɔko cidenw wele: Ni mɔgɔfagala teliyalenw ye mɔgɔ minɛlen bila sira dibi la walima nbɛda la, u bɛ yamaruya di mɔgɔ minɛlen ma tuma bɛɛ ko a k’a ɲɛ to duguma, wa a kana a kɔ tigɛli kɛ ka mobili papiye kalan. Aw ye o cikan labato pewu fo mobili ka bɔ mɔgɔ ɲɛ na, o kɔ aw bɛ boli ka don jagokɛyɔrɔ walima sigiyɔrɔ la min ka surun baarakɛlaw la, ka aw ka sigida kɔrɔtɔko nimɔrɔ wele (911 Ameriki ani Kanada, 112 Erɔpu tɔnba bɛɛ kɔnɔ, 999 Angletɛri) walima ka an ka kɔrɔtɔko nimɔrɔw ɲɛbilasɛbɛn.

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ATM binkanni jagoyalen ani express abduction survival decision jiri¶

Baara kɛ ni nin fɛɛrɛbɔ jatebɔsɛbɛn ye walasa ka marifatigiw ka kɛlɛ dɔ ɲɛminɛ warimarayɔrɔ la, nbɛda minɛni na, walima mobili minɛni waati kunkurunnin kɔnɔ.

flowchart TD
    Encounter["Binkannikɛla min bɛ marifa ta, o bɛ i kunbɛn ATM la, Parking yɔrɔ la, walima Rideshare/Taxi la"] --> LocationType{"1. Kɛlɛ in bɛ ka kɛ min sisan?"}
    LocationType -->|"A. ATM Walk-Up walima Drive-Thru (Binkannikɛla bɛ wari/karti ɲini) ."| ComplyATM["Bolo Da wulilenw kɔrɔta; Aw bɛ ɲɛnamini tilennen bali; Lakali Se ka Karti sɔrɔ; Aw bɛ REAL PIN don ka saniya"]
    LocationType -->|"B. On Foot in Public & Assailant bɛ yamaruya di i ma ka don mobili kɔnɔ ka taa ATM la"| RefuseCar["AW KAN’a don Mobili kɔnɔ abada ni boli sira bɛ yen: Aw bɛ waribɔlan/Telefɔni fili, ka PIN fɔ ni kanba ye, ani ka boli ka taa jama/sira la"]
    LocationType -->|"C. A sirilen bɛ mobili lamaga kɔnɔ kaban walima a lamininen don ni marifatigiw ye"| HostageMode["Aw bɛ sariya labatoli kɛ ni hakilisigi ye, ni a tɛ sɔgɔsɔgɔ kosɛbɛ: Aw bɛ bolow to u ka ye gɛnɛgɛnɛw kan; Kuma dɔɔni dɔɔni; Aw kana sɔsɔli kɛ abada"]
    ComplyATM --> CashOut["Wari ɲininenw bɔli; Wari/Karti/Telefɔni Di i ma k’a sɔrɔ i ma wuli yɔrɔnin kelen; Segin kɔ ani k’u to u ka boli"]
    HostageMode --> DemandType{"2. Mɔgɔ minɛbaga bɛ mun ɲini mobili kɔnɔ?"}
    DemandType -->|"ATM ka wari bɔli"| ShowScreen["PIN Tiɲɛni di; Ni Don o don dan bɛ bɔli bali, i ka ATM Receipt walima App Limit Screen jira walasa u k’a dɔn ko i tɛ nkalon tigɛ"]
    DemandType -->|"Smartphone App Transfer (Zelle, PIX, Revolut, Crypto) Bamako, Mali."| UnlockApp["Telefɔni da wuli ni hakilisigi ye; Banki lakanani waati latɛmɛni waatilan o waati ɲɛfɔ ka jɛya walasa binkannikɛla kana i jalaki"]
    ShowScreen --> ReleasePhase["3. Labɔli waati: Aw bɛ ɲɛw to duguma i n’a fɔ a yamaruyara cogo min na; I KAN’i Yɛlɛma ka i ɲɛ jɔlen to i ka mobili papiye kan fo mobili ka ban"]
    UnlockApp --> ReleasePhase
    CashOut --> SafeReport["Don Baarakɛlaw ka so kɔnɔ; Aw bɛ 911 / 112 / 999 wele fɔlɔ, O kɔfɛ, aw bɛ Banki nanbarako ɲɛmɔgɔso wele walasa ka jatew bila"]
    RefuseCar --> SafeReport
    ReleasePhase --> SafeReport

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Mɔgɔ minɛni teliya la ani mobili-banki binkanni jagoyalenw bɛ baara kɛ cogo min na diɲɛ kɔnɔ¶

Ni i ye mɔgɔ minɛ waati kunkurunnin kɔnɔ kojugubakɛlaw ka mekanikiniw faamuya, o b’i dɛmɛ ka sigicogo dɔn sani i ka nkɔni kɛ ani k’a faamu kojugukɛlaw b’a ɲini ka min kɛ walasa i ka se ka kisi o ɲɔgɔnye ma.

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Hakilila ni farikolo ɲɛnamaya ni a minɛna mɔgɔ minɛni teliya la¶

N’i bɛ mobili kɔnɔ kaban walima n’i minɛna marifa cilen na teliya la mɔgɔfagalaw fɛ, miniti 3 fɔlɔw de bɛ wuli ka tɛmɛ tɔw bɛɛ kan. A bɛ se ka fɔ ko mɔgɔ minnu bɛ mɔgɔ minɛ teliya la, olu bɛ baara kɛ tuma bɛɛ waati degunba kɔnɔ, polisiw ka kɔlɔsilikɛlaw ka paranoya, ani tuma caman na, dɔlɔmin min bɛ mɔgɔ bila ka miiri. Aw ye nin kɛwale sariya wɔɔrɔ ninnu labato minnu kalanna mɔgɔ minɛlenw ka kisi kɛrɛnkɛrɛnnenw fɛ Ameriki jamana kɔkan lakana ladilikanjɛkulu (OSAC) la ani diɲɛ polisiw ka mɔgɔfaga kuluw la:

1. Porozɛ "Total Submissive Predictability" Segin 60 fɔlɔ kɔnɔ¶

• Aw bɛ aw bolow ye aw gɛnɛgɛnɛw walima aw cɛmancɛ sanfɛ: Ni aw wajibiyara ka sigi mobili kɔfɛsigilan walima dugumalan kan, aw bɛ aw bolo fila bɛɛ lafiɲɛ aw bolokɔniw kan walima aw bolokɔniw sanfɛ aw gɛnɛgɛnɛw sanfɛ yɔrɔ la, kɔlɔsilikɛla marifatigiw bɛ se k’u ye yɔrɔ min na, k’a sɔrɔ aw ma cɛsiri kɛ.
• Aw ka aw ɲɛw jigin (The "Chin-Down, Eyes-on-Floor" Rule): Mɔgɔ minɛbaga ŋanaw ni diɲɛlatigɛla minnu bɛ mɔgɔ minɛ, olu bɛ kɛ fariyakow ye ni u dalen b’a la ko mɔgɔ minɛlen dɔ bɛ ka u ɲɛda filɛ, ka u tatuw kɛ, walima ka nbɛda taamasiyɛnw filɛ finɛtiri kɔfɛ walasa k’u dɔn polisiw fɛ kɔfɛ. Aw bɛ dugumalan, ɲɛfɛsigilan kɔfɛ, walima aw yɛrɛ bolow lajɛ ni hakilisigi ye. Ni u y’a fɔ aw ye ko aw ka aw ka jakite dawolo sama aw ɲɛda kan walima ka lunɛti dibiman don, aw bɛ o labato joona.
• Aw bɛ aw ninakili ni kan fɔcogo kɔlɔsi: Siran, kule walima fiɲɛ bilali kojugu bɛ mɔgɔ minɛbaga marifatigi lawuli min bɛ marifa minɛ santimɛtɛrɛ 30 (santimɛtɛrɛ 12) ka bɔ aw kun na. Aw bɛ ninakili fo segin 4 aw nugu fɛ ka ninakili bɔ dɔɔni dɔɔni fo sekɔndi 6 aw da fɛ, ka ɲininkali bɛɛ jaabi ni kan dususumanin ye, ni bonya ye, ni kumakan surun ye.
• I hakili to sensɛri taamasiɲɛw pasifw la k’a sɔrɔ i ma i kunkolo lamaga: K’i to i ɲɛw jɔlen don i gɛnɛgɛnɛw kan walima dugumalan kan, i bɛ se ka taamasiɲɛw kɔlɔsi lafiya la minnu tɛ yecogo ye, minnu bɛ polisiw dɛmɛ ka mɔgɔ minɛbagaw nɔfɛ i bɔlen kɔfɛ: mobili kɔnɔfɛnw dilanni ni a kɔnɔna kulɛri, ni mobili bɛ ni transmission manual walima automatique ye, ni arajosow walima dispatch chimes bɛ fɔ, sira fan caman caman cili jogindaw, kabakurunw, kabakurunw, tɛrɛn siraw, walima jagokɛlaw ka bɛlɛnw), tɔgɔla tɔgɔ walima kumakan minnu bɛ kɛ kurun kɔnɔ baarakɛlaw fɛ, ani waati taamasiyɛn tigitigi minnu bɛ ATM ekranw kan ni wari bɔli kɛra.

2. "Daily Limit Reached" walima "Insufficient Funds" ɲɛnabɔcogo k'a sɔrɔ i ma jalaki nkalontigɛ la¶

Faratiba waati minnu bɛ mɔgɔfaga teliya la, olu dɔ la kelen bɛ kɛ ni mɔgɔ minɛbagaw bɛ dɔrɔmɛ 5000 ɲini ATM fɛ, i b’i ka debiti karti ni PIN lakika di u ma, ani ATM bɛ ban o bɔli la bawo i ka karti bɛ ni $500 don o don ATM wari bɔli dan ye walima dɔrɔmɛ 300 dɔrɔn bɛ sɔrɔ a ka jatebɔsɛbɛn kɔnɔ. Jurumukɛla minnu bɛ marifa ta, olu ka teli k’a miiri ko jatigɛwalekɛla ye PIN nkalonma di u ma walima a bɛ banki karti dɔ dogo min ka bon.

Baara kɛ ni Visual Proof Transparency ye walasa k’a jira ko i bɛ tiɲɛ fɔ:

1. Aw ye u lasɔmi banki ka otomatiki masin dan na SANI karti ka don ATM kɔnɔ:
2. A fɔ ni hakilisigi ye ko: "Ne ka PIN ye [1234 ye]. Walasa dɔrɔn i k'a dɔn sani i ka karti don, ne ka banki bɛ don o don warimaralan dancɛ sigi otomatiki la min bɛ se dɔrɔmɛ 500 ma nin debiti karti in kan, wa dɔrɔmɛ 1200 ɲɔgɔn bɛ jatebɔsɛbɛn kɔnɔ. Ne b'a fɛ i k'o bɛɛ sɔrɔ, o la ni masin banna dɔrɔmɛ 1000 na, i ka dɔrɔmɛ 500 walima dɔrɔmɛ 400 lajɛ."
3. Ka mɔgɔ minɛbaga lasɔmi sanni ATM ka "Transaction Declined" yeelen bɔ, o b'a jira ko i bɛ u dege walasa u ka ɲɛtaa sɔrɔ sanni k'u lafili.
4. A fɔ ka ATM ka balansi ɲininkali sɛbɛn sɛbɛnnen jira walima banki mobili ekran:
5. Ni mɔgɔ minɛbagaw bɛ sigasiga ko wari caman dogolen bɛ i bolo jatebɔsɛbɛn kɔnɔ, i k’a fɔ ko: "I bɛ se ka ‘Balance Inquiry’ digi ATM ɲɛ kan walima ka n ka banki app yɔrɔ lajɛ yan yɛrɛ walasa i ka se ka balansi tigitigi ye ani don o don karti dan ye i yɛrɛ ye."
6. I kana waribɔlan filanan walima telefɔni nafama dogo abada n’u y’a ɲininka ni fɛn wɛrɛ b’i bolo:
7. Hali ni "decoy wallet" danmadɔ ta bɛ baara kɛ ka ɲɛ nbɛda la, sekɔndi 10 kɔnɔ, binkannikɛla bɛ waribɔ minɛ yɔrɔ min na, ka boli, miniti 60 kɔnɔna na, mɔgɔfaga teliya la mobili kɔnɔ, mɔgɔ minɛbagaw bɛna i ka bɔrɛw, jakitew, i senkɔniw, ani i ka bɔrɔw gosi kosɛbɛ. N’i ​​ye decoy portefeuille di, n’u y’i ka portefeuille lakika walima telefɔni sɔrɔ miniti saba o kɔfɛ pat-down waati la, u bɛna i ɲangi k’a sababu kɛ i ye u lafili. Ni i ɲinina mobili kɔnɔ, i ka fɛn bɛɛ di ka saniya ani k’a ɲɛfɔ wari bɛ sɔrɔ karti jumɛn na.

3. Ni a wajibiyara ka denbaya kɔnɔmɔgɔ dɔ wele ka taa "Express Ransom" teliya la¶

Mɔgɔ minɛni teliyalen dɔw la, ni dan bɛ mɔgɔ minɛbaga ka ATM karti la, mɔgɔ minɛbagaw b’a fɔ mɔgɔ minɛbaga ye ko a ka a furuɲɔgɔn, a bangebaga walima a jagokɛɲɔgɔn wele kumakanfɔlan fɛ walasa ka dɔrɔmɛ 1000 fo dɔrɔmɛ 5000 ci walima k’a bila lɛrɛ kelen kɔnɔ.

• A' ye aw ka denbaya kɔnɔmɔgɔ hakili sigi telefɔni na: Aw ka kuma ka jɛya ani ka kɛɲɛ ni aw furuɲɔgɔn walima aw bangebaga ye: "Aw ka n lamɛn kosɛbɛ ani ka to aw hakili sigilen na. Ne lafiyalen don sisan, wa ne mago bɛ aw la ka [Hakɛ] bila [Jatebɔ] la o yɔrɔnin bɛɛ walasa ne ka se ka na so. U bɛ min ɲini aw fɛ, aw ka o kɛ tigitigi, aw kana sɔsɔli kɛ."
• Ka tugu mɔgɔ minɛbagaw ka sɛbɛnni kɔ: Aw kana a ɲini abada ka ɲɛnajɛ kode daɲɛ jɛlenw fɔ ni minɛbaga bɛ telefɔni minɛ i da la ka daɲɛ kelen-kelen bɛɛ lamɛn.

4. Labila waati: Ka i yɛrɛ tanga jogin ma segin 30 labanw na¶

Jateminɛ na, mɔgɔ minɛni teliya la, o fanba bɛ laban ni mɔgɔ minɛlen bilali ye sira dibi la, izini yɔrɔ la, walima siraba kan, a ma foyi kɛ a la, ni ATM kartiw ni banki porogaramuw bɔra.

1. Aw bɛ bɔ mobili kɔnɔ dɔɔni dɔɔni ni aw bolow bɛ ye: Aw kana da sɔgɔ walima ka da sɔgɔ sani u k’a fɔ aw ye ko aw ka taa.
2. Aw ka "Taama ka taa kogo la ka jate fo 50" cikan labato: A bɛ se ka fɔ ko mɔgɔ minɛbagaw b'a fɔ tuma bɛɛ ko: "Aw ka bɔ, ka o kogo ɲɛsin / ka taama o jiriw kɔnɔ, ka aw ɲɛ to duguma, aw kana aw kɔ wuli miniti fila kɔnɔ." I ka nin cikan in labato fo ka se lɛtɛrɛ ma. Ka i kunkolo wuli segin 3 bɔlen kɔ mobili kɔnɔ walasa ka i ɲɛw wuli u kɔfɛla papiye kan frein lanpanw kɔrɔ, o ye fɛɛrɛ teliyalenba min bɛ se ka mɔgɔ minɛbaga sirannen dɔ lawuli walasa a ka farali marifa ci ka bɔ finɛtiri la.
3. I ka kɔnɔni kɛ fo i ka mobili teliya mɛn ka bɔ tulo la pewu, o kɔfɛ, i ka taama teliya la ka taa gaziso yeelenma na min ka surun i la, lotɛli la, magasin min bɛ baara kɛ sanga 24 kɔnɔ, walima so min yeelen bɛ yeelen na walasa ka telefɔni 911 / 112 / 999 wele.

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Drive-thru ATM holdups vs. taama-taama ATM vestibule jaanw¶

I mana baara kɛ ni ATM ye min bɛ se ka don mobili kɔnɔ ka bɔ i ka bolifɛntigi sigiyɔrɔ la walima i mana don banki kɔnɔna ATM kɔnɔ, kojugukɛlaw bɛ fiyentɔya yɔrɔ kɛrɛnkɛrɛnnenw ta minnu bɛ kɛ ni masinw ye, segin 45 kɔnɔ, n’i ɲɛw jɔlen bɛ ɛkran kan min bɛ yeelen bɔ.

Baara kɛcogo ni Drive-Thru ATM ye k’a sɔrɔ i ma don kɛsu kɔnɔ¶

ATM minnu bɛ se ka boli bolifɛnw kɔnɔ, olu ka teli ka lamini ni bɔgɔdaga belebelebaw ye, ni siraba misɛnninw ye, ani sow sanfɛyɔrɔw minnu b’a to a ka nɔgɔn binkannikɛla senna walima mobili filanan kɔnɔ ka i ka mobili minɛ k’a sɔrɔ waribɔlan bɛ ka pɛrɛn:

1. Aw ye ATM gun ni kɛrɛfɛla filɛlikɛlanw sɛgɛsɛgɛ SANI aw ka sama ka don bɔgɔdaga kɔnɔ: Ni aw ye sennamɔgɔw ye a bɛ ka yaala-yaala ATM nkɔni kɛrɛfɛ walima n’i sigilen bɛ siraba kan, mobili tɛ min na, walima ni mobili dɔ bɛ ka baara kɛ banki yɔrɔ dibi la, mɔgɔ caman bɛ sira kɔlɔsi, aw kana a sama ka don bolifɛnw tɛmɛsira la. To ka bolifɛn ta ka taa dumunikɛyɔrɔ la walima tile bolofara dɔ la.
2. Aw k’aw ka karti labɛn aw bolo SANI aw ka gɛrɛ masin na: Aw kana sama abada ka taa ATM finɛtiri la, ka wuli ka don Park kɔnɔ, ka segin 60 kɛ ka aw ka waribɔlan walima aw ka cɛmancɛ konsolɛ lajɛ k’aw kunkolo jigin. Aw ka karti bila aw kininbolo la sani aw ka don sira la.
3. Aw ka aw ka transmission to DRIVE kɔnɔ ni aw sen bɛ frein pedali kan kosɛbɛ: Aw kana aw ka mobili wuli abada ka don Park kɔnɔ drive-thru ATM la. Ni i ye transmission to Drive kɔnɔ n’i ka da tugulen don ani ni mɔbili kɔnɔmɔgɔw ka finɛtiriw kurulen don pewu, o kɔrɔ ye ko ni mɔgɔ dɔ bɔra ATM bololanɛgɛ kɔfɛ ni marifa ye, i ka kan k’i sen kɔrɔta dɔrɔn ka bɔ frein na ka accélérateur digi walasa ka boli ka bɔ chute kɔnɔ ka ɲɛ (i ka $3 debiti karti to masin kɔnɔ).
4. Aw bɛ gɛrɛ dɔrɔn walasa ka se ni aw kininbolo ye, ka bolifɛn ɲɛminɛyɔrɔ to yen: Aw kana bɛton bololanɛgɛ minɛ kosɛbɛ fo aw kɛrɛfɛla filɛlikɛlan ka kɛ santimɛtɛrɛ 2 ye ka bɔ kogo la aw bɛ santimɛtɛrɛ 45 (santimɛtɛrɛ 18) to kɛrɛfɛ ani ka aw ka mobili nugu to mobili si la min bɛ aw ɲɛfɛ.

Baara kɛcogo ni Walk-Up walima Enclosed Vestibule ATM ye cogo min na lafiya la¶

1. "Mɔgɔ fila ka vestibule" sariya: Glass bank vestibule minnu bɛ karti sɔgɔli wajibiya walasa ka kɛnɛma da da wuli, olu bɛ lakana hakilina nkalonma di bawo kojugukɛla o kojugukɛla bɛ banki karti min waati tɛmɛna, nilifɛn karti min bɛ ni magnɛti ye, walima n’i ye da minɛ dɔrɔn i kɔfɛ, o bɛ se ka don ka don i kelen na.N’i bɛ ATM vestibule datugulen kɔnɔ i kelen na, ani dunan dɔ bɛ da sama ka da wuli ka sen don a kɔnɔ i kɔfɛ, CANCEL butɔn bilenman digi o yɔrɔnin bɛɛ, k’i ka karti sama ka segin i ka bɔrɛ kɔnɔ, k’a fɔ ko "Taa ɲɛfɛ, masin bɛɛ ye i ta ye," ka bɔ sirada la ka ɲɛ sanni i ka i ka PIN sɛbɛn.
2. Aw ye Karti Slot ni Keypad lajɛ ni Skimmers ni Shimmers tɛ: Sani aw ka aw ka karti don ATM o ATM kɔnɔ, aw bɛ karti kalanbaga plastiki jɛman walima warijɛ minɛ ni aw bolokɔnincinin ni aw bolokɔni jiralan ye ka a sama kosɛbɛ. Banki karti yɔrɔ min bɛ sariya kɔnɔ, o sirilen don kosɛbɛ nɛgɛ chassis la; kojugukɛla karti sɛgɛsɛgɛlikɛla min nɔrɔlen bɛ a da la, o bɛna wuli walima ka bɔ i bolo la, wa a ka c’a la, kamera bara nkalonma dɔ bɛ siri ekran sanfɛ yɛrɛ walasa k’i bolokɔnincininw sɛbɛn k’i ka PIN sɛbɛn. Ni a bɛ sɔrɔ tuma o tuma, baara kɛ ni Contactless NFC Tap Symbol ye (i ka i ka karti farikoloma walima Apple/Google Pay telefɔni digi NFC kalanbaga kan) sanni i k’i ka karti farikoloma don motɛri yɔrɔ la, o min b’a to masin walima skimmer tɛ se k’i ka karti munumunu walima k’a kɛ clone ye.

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Nizɛri ni wariko tilali ka kɔn taama ɲɛ ("Express Kidnapping Proofing")¶

N’i sigilen bɛ dugubaw kɔnɔ, n’i bɛ baara kɛ, walima n’i bɛ taa dugubaw kɔnɔ, kɛrɛnkɛrɛnnenya la, mara minnu na, ATM sonyali hakɛ ka ca, telefɔni mobili minɛni, walima mɔgɔfaga teliya la, i bɛ se k’i ka telefɔni seleke naani ni banki jatew labɛn miniti 15 kɔnɔ so kɔnɔ, walasa hali n’i sonyalen don ani n’i waajibiyalen don k’i ka telefɔni ni i ka debiti karti da wuli marifa cilen na, i ka ɲɛnamaya bolomafara kɛmɛsarada la 95 bɛ to yebali ye pewu ani min tɛ maga a la.

A ye 5-Step "Clean Street Telephone & Vault Account" Setup ye¶

• 1. Aw ye aw ka wari tila ka kɛ "Street Checking Account" ye ani "Vault Savings/Brokerage Account" dogolen ye:
• I ka jatebɔsɛbɛn nɔgɔman dɔ da wuli, min tɛ sara banki wɛrɛ la (walima jatebɔsɛbɛn fitinin filanan min bɛ se ka dogo i ka mobili dashboard kɔnɔ) ani ka $300 fo $800 dɔrɔn mara o "Street Account" kɔnɔ, min ni debiti karti farikoloma kelen bɛ tali kɛ i ka waribɔsɛbɛn kɔnɔ.
• Aw ye aw ka ɲɛnamaya bolomafara kunbabaw, kɔrɔtɔko nafolo, so fɔlɔ sarali, ani wari bilasirali jatew mara nafolosɔrɔyɔrɔ la min danfaralen don pewu min ka debiti kartiw bɛ to ka datugu safe kɔnɔ so kɔnɔ ani min ka mobili appli ma sigi aw ka don o don telefɔni seleke naani na (aw bɛ se ka don aw ka warimarayɔrɔba la dɔrɔn ka bɔ ɔridinatɛri walima tablɛti la min maralen bɛ so kɔnɔ).
• Mun na nin ye nalomanya ye: Ni mɔgɔ minɛbaga dɔ y’i wajibiya k’i ka telefɔni da wuli marifa cilen na, k’i ka banki app da wuli, u bɛ jatebɔsɛbɛn lakika dɔ ye, min bɛ baara la, dɔrɔmɛ 650 bɛ min kɔnɔ ani zeru ma fɔ i ka warimarayɔrɔba la. Hali n’u y’i ka imeyili walima i ka sms lajɛ, i ka imɛri/SMS lasɔmini kɔrɔw jɛya minnu bɛ i ka warimarayɔrɔ kofɔ.
• 2. "Minɛri sonyalenw lakanani" (iPhone iOS 17.3+) ani Biometric App Locks (Android) daminɛ:
• iPhone kan: Taga Settings > Face ID & Passcode > Stolen Device Protection yɔrɔ la k’a ON (a bila "Always" la ni i bɛ taa). O bɛ lakanali waati 1 wajibiyalen fara a kan ani biometriki sɛgɛsɛgɛli filanan ni mɔgɔ dɔ y’a ɲini k’i ka Apple ID tɔgɔlasɛbɛn Changer, ka Find My faga, walima k’i ka lakana konnɛgɛw bɔ yen yɔrɔ jan so.
• Android kan: Sonyali dɔnni dakun, Offline Device Lock, ani Private Space daminɛ Settings > Security & Privacy kɔnɔ walasa porogaramu kɔrɔlenw ka dogo minɛn sirilen danfaralen dɔ kɔnɔ min tɛ ye i ka porogaramuw bilayɔrɔba la.
• 3. Aw ye aw ka don o don ATM & Instant Transfer Limits jigin aw ka Banki App kɔnɔ:
• Jamana caman (misali la, Berezil ka Banki Sentɛrɛli sariyaw PIX, Angletɛri banki porogaramuw, ani Ameriki banki dashboardw) b’a to i bɛ se ka Sufɛ fɛnw bilali dan sigi sen kan (misali la, ka wari bilali dantigɛ 8:00 PM ni 6:00 AM cɛ ni $200 ye) ani don o don ATM wari bɔli dan.
• 4. ATM Vestibule ka ko kɛlenw dɔnni sariyaw:
• I ka baara kɛ ni ATM dɔrɔn ye minnu bɛ jagokɛyɔrɔ dafalenw KƆNƆ (i n’a fɔ banki bolofara kɔnɔ min kɔnɔ baarakɛlaw bɛ yen tile fɛ, suguba kɔnɔ min falen bɛ mɔgɔw la, walima lotɛli kɔnɔna na), ani aw kana baara kɛ abada ni ATM ye minnu ɲɛsinnen bɛ nbɛdaw ma, minnu bɛ taa taama na walima minnu datugulen don ni galasi ye su fɛ.
• I ka klaviyeti datugu ni i bolo gansan ye tuma o tuma n’i bɛ i ka PIN sɛbɛn walasa ka pinhole kameraw ni shoulder-surfers bali.
• I ka wari bila i ka bɔrɛ kɔnɔ SANI i k’a jate ka i sen bɔ masin na o yɔrɔnin bɛɛ; aw kana jɔ sirada la abada ka dɔrɔmɛ 20 jate i bolo.

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Aw ka kan ka min kɛ miniti 30 fɔlɔw la boli walima ka bila kɔfɛ¶

Ni aw sera lafiya la boon kɔnɔ min kɔnɔ baarakɛlaw bɛ yen ni polisiw ye sira kan:

1. Aw bɛ 911 / 112 / 999 wele fɔlɔ: Aw bɛ aw ka yɔrɔ lakananen di ciden ma sisan, aw minɛna yɔrɔ tigitigi ni waati min na, aw taara ni a ye ATM o ATM yɔrɔ minnu na (ATM bɛɛ bɛ ni waati taamasiyɛn ye min bɛ se ka kɛ pinhole ɲɛda kameraw ye ani kɛnɛma nbɛda kamera minnu bɛ mɔgɔ minɛbagaw ni mobili minɛ), ani mɔgɔ siguilenw ni mobili ɲɛfɔli.
2. Aw ye aw ka banki ka 24-Hour Fraud & Emergency Duress Hotline wele joona:
3. Aw k'a fɔ banki lasigiden ye k'a jɛya ko: "Ne kɛra marifatigi minɛni dɔrɔn de ye / ATM binkanni jagoyalen farikolo degun kɔnɔ. Aw ye n ka jatew, kartiw, ani ɛntɛrinɛti banki sɔrɔli bɛɛ bila jɔli la joona, ani ka ATM wari bɔli ni telefɔni/P2P wari cilenw bɛɛ taamasiyɛn min kɛra [Daminɛ waati] ni [Waati laban] cɛ, ko marifatigiw ka degun nanbara."**
4. Aw ye Polisi ka kunnafoni / kojugubakɛlaw ka nimɔrɔ sɔrɔ min bɛ kɛ cogo la, ka o di aw ka banki ka nanbarako sɛgɛsɛgɛli yɔrɔ ma. Ka kɛɲɛ ni musakabɔlaw ka banki sariyaw ye jamana fanba la (i n’a fɔ Etazuni jamana ka Ɛntɛrinɛti nafolo cicogo sariya E, Angletɛri wari saracogo sariyaw, ani UE ka PSD2 sariyasunw), ɛntɛrinɛti kan wari cili minnu ma yamaruya, olu fana sen bɛ o la, jago minnu kɛra ni musakabɔla dɔ wajibiyara farikolo la marifa cilen na walima ni muru ye ka karti di walima ka PIN don a kɔnɔ ni fanga ye, ni u dɛmɛna ni nanbarako kɔrɔtɔlen ye polisiw ka binkanniko jaabi.
5. I ka SIM karti datugu ani ka jatebɔsɛbɛnw tɔgɔlafɛnw Changer ka bɔ ɔridinatɛri saniyalen na: Ni mɔgɔ minɛbagaw y’i ka telefɔni seleke naani ta, i k’a ɲini i ka telefɔni selilɛri tabaga fɛ a ka i ka telefɔni nimɔrɔ / eSIM bila a la joona walasa sonw kana se ka 2FA SMS kode sɔrɔ walasa k’i ka imeyili walima banki tɔgɔlasɛbɛnw lasegin, ka telefɔni bila Lost Mode la iCloud walima Google Find My Device fɛ.

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Ɲininkali minnu bɛ kɛ tuma caman na¶

Yala n’i ye n ka ATM PIN sɛbɛn kɔfɛ, o bɛ polisiw wele tiɲɛ na u makuntɔ ni u bɛ ka n sonya wa?¶

Ayi, "PIN kɔsegin" fɛɛrɛ ye ɛntɛrinɛti nsiirin dafalen ye min tɛ banki walima ATM rezo si la diɲɛ yɔrɔ si. Hali ni fɛn dilabaga dɔ ye o hakilina in ka patenti sɔrɔ san 1990 waatiw la, bankiw ɲɛmɔgɔw ni sariyatigiw banna o la bawo degun bɛ mɔgɔ minnu na, olu bɛ sɛbɛnni filiw kɛ klaviyeti kan, PIN palindromic (i n’a fɔ 2552) bɛ ɲɔgɔn kɔ kɔfɛ, wa polisiw makɔnɔni ATM la, o bɛna mɔgɔ minɛlenw bila farati la. Ni binkannikɛla marifatigi dɔ y’i wajibiya k’i ka PIN don ATM la, n’i y’a sɛbɛn kɔfɛ, o masin bɛna bip dɔrɔn kɛ ka “PIN tiɲɛnen” jira, o min bɛ binkannikɛla marifatigi dalen to a la ko i bɛ nkalon tigɛ u la, wa k’i ka ɲɛnamaya bila faratiba la. Aw bɛ aw ka PIN lakika sɛbɛn ka saniya tuma bɛɛ marifatigiw ka degun kɔnɔ, ani ka polisiw ni aw ka banki ka nanbarako ɲɛmɔgɔso bila ka wari sɔrɔ ni aw lafiyalen don.

Ni binkannikɛla min bɛ marifa ta nbɛda la walima mobili jɔyɔrɔ la, o ye yamaruya di n ma ko n ka don mobili kɔnɔ ka taa ATM la, ne ka kan ka mun kɛ?¶

Ni aw bɛ kɛnɛma hali bi nbɛda la, sirada la, walima bolifɛnw jɔyɔrɔ la, ani ni farikolo sira si bɛ aw bolo ka boli, aw kana don mobili kɔnɔ abada ni binkannikɛla marifatigi ye. Ni i donna mobili bolitɔ kɔnɔ min da datugulen don, mɔgɔ min bɛ i minɛ, o bɛ se k’i mara pewu lɛrɛ caman kɔnɔ, wa a bɛ se k’i ta ka taa yɔrɔ filanan na min yɔrɔ ka jan. O nɔ na, ​​i ka waribɔsɛbɛn, i ka debiti kartiw ani telefɔni bɔ, k’u fili duguma ka taa binkannikɛla senw fan fɛ, ka pɛrɛn ka jɛya ko: “Ne ka karti filɛ nin ye ani ne ka PIN ye [XXXX] ye, i ka fɛn bɛɛ ta,” ka boli o yɔrɔnin bɛɛ ka taa magan dɔ la min falen bɛ mɔgɔw la, siraba kan, walima siraba kan min bɛ na i ɲɛfɛ, k’a sɔrɔ i bɛ pɛrɛn ko “TAsuma.”.

Ne bɛ se ka mɔgɔfaga teliyalenw lafaamuya cogo di ko ne tɛ nkalon tigɛ ni ne ka ATM karti banna wari bɔliba la k’a sababu kɛ don o don dan ye?¶

Fɛɛrɛ min ka fisa ni tɔw bɛɛ ye, o ye ka kɛnɛyako ɲɛnabɔ sani jago ka dɛsɛ : i ka PIN lakika fɔ mɔgɔ minɛbagaw ye ani ka kɔn k’u lasɔmi i ka banki ka don o don ATM masin otomatiki dan ye min ye (misali la, "Ne ka PIN ye 4812 ye, ani ne ka banki bɛ masin ka wari bɔli dafa $500 ye tile kɔnɔ, o la, i ka $500 sɛbɛn walasa masin kana ban o la"). Ni masin banna wari hakɛ caman na, i k’a fɔ ko i bɛna balansi ɲinini sɛbɛn dɔ sɛbɛn walima k’i ka mobili banki app ekran jira u la walasa u k’a ye n’u yɛrɛ ɲɛ ye ko banki ka ɔridinatɛri dan, sanni ka kɛ nanbara ye i fan fɛ, o bɛ ka wari bɔli bali.

Ne bɛ se ka ne ka ɲɛnamaya bolomafaraw lakana cogo di sanni ne ka taa walima ka taa yɔrɔ la, yɔrɔ min na mobili-banki sonyali jagoyalen don?¶

Aw ye banki fila tila-tilacogo sigi sen kan sani aw ka bɔ so : aw ka debiti karti farikoloma kelen ta min ni "Street Checking Account" bɛ tali kɛ ɲɔgɔn na, min bɛ dɔrɔmɛ 300 fo dɔrɔmɛ 800 dɔrɔn mara, ani ka o banki ka porogaramu dɔrɔn mara i ka don o don telefɔni seleke naani kan. I ka ɲɛnamaya bolomafara fɔlɔw, kɔrɔtɔko nafolo, ani wari bilalenw mara "Vault Bank" yɔrɔ la min bɛ danfara pewu, min ka kartiw bɛ to so kɔnɔ, wa min ka mobili app bɛ bɔ i ka telefɔni seleke naani na pewu. Ni i wajibiyara k’i ka telefɔni da wuli marifa cilen na, binkannikɛla bɛ i ka nbɛda jatebɔsɛbɛn dɔrɔn de ye min balansi ka dɔgɔ, k’a sɔrɔ i ka warimara lakika tora yebali ye, wa a tɛ se ka sɔrɔ.

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Sosow sɛgɛsɛgɛra¶

• Amerika jamana ka minisiriso, jamana kɔkan lakana ladilikanjɛkulu (OSAC) ani Diplomasi lakanani baarada (DSS, Ameriki): Mɔgɔfaga teliya la ("Secuestro Exprés") Lakanali sariyaw, ATM lakanani jamana kɔkan, ani mɔgɔ minɛcogo sariyaw.
• Federal Bureau of Investigation (FBI) ani Fɛdɛrali Jago Komisiɔn (FTC, Ameriki): ATM binkanni kunbɛnni, Ɛntɛrinɛti nafolo jiginni sariya (Sariyasen E) Degun lakanani, ani Reverse-PIN nsiirin sɔsɔli.
• Afiriki tilebinyanfan banki faratiw kunnafonidiyɔrɔ (SABRIC) ani Afiriki tilebinyanfan polisiw ka baarakɛyɔrɔ (SAPS): ATM ka kojugubakɛlaw kunbɛnni, banki mobili app minɛni fanga la, ani dantigɛli nizɛri.
• Jamana polisiw ɲɛmɔgɔw ka tɔn (NPCC) ani Angletɛri nafolo (Angletɛr): Nbɛdaw sonya, Biometriki Smartphone Unlock Coercion, ani Banki Kuntigiw ka Degun Segin sariyaw.
• Amerika jamanaw ni ɲɔgɔn cɛ yiriwali banki (IDB) ani Duniya Kelenyatɔnba ka dɔrɔgu ni kojugubakɛlaw ka biro (UNODC): Mɔgɔfaga kɛlɛli kɛcogo ɲumanw gafe: Mɔgɔ minɛni waati kunkurunnin kɔnɔ ani mɔgɔfaga teliya la ka dɔgɔya.

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Gafe minnu bɛ tali kɛ o ko la¶

• Hostage ani marifatigiw minɛni kisi
• Sonya ni binkannikɛlaw ka ɲɛnamaya
• Mobili sonya lafasali : ko kɛlenw dɔnni, ɲɛnamaya kɛcogo, ani denmisɛnw bɔli sariyaw
• Rideshare min lakananen tɛ walima takisi bolila ka boli
• Namara, wari ɲinini, ani mɔgɔfaga virtuel kunmabɔnafolo nanbarako
• Kɔrɔtɔko nimɔrɔw ɲɛbilasɛbɛn