ATM Card Trapping ("Lebanese Loop") kple Cash-Dispenser Claw Scams: Nusita Mele Be Nàdzo le Mɔ̃a Me Gbeɖe O¶

Ne ède wò gaxɔgbalẽvi alo gaxɔgbalẽvi ɖe Automated Teller Machine (ATM) me be mɔ̃ si xlẽa gaxɔgbalẽvia naxe, ami wò kaɖia evɔ màtrɔe o, alo awɔ ga xlẽxlẽ ƒe gbeɖiɖi esime gaxɔgbalẽvia ƒe nutrenu gbe be yemaʋu o la, ƒã hafi wònyea mɔ̃ si gblẽna le vome. Le Dziehe Amerika, Europa, United Kingdom, Latin Amerika, kple Asia-Pacific godoo la, ATM-ametafatafaha siwo ŋu wowɔ ɖoɖo ɖo la zãa mɔ̃ eve siwo wotsɔ léa mɔ̃e ŋutɔŋutɔ, siwo nye "Lebanese Loop" card-slot sleeve kple Cash-Dispenser Claw / Glue Shutter Trap, si wowɔ koŋ be wòalé wò kaɖi alo gaxɔgbalẽviwo aboyoe le bezel me na 90 sɛkɛnd siwo wòxɔna hafi nàna ta ahadzo. Zi alesi nètrɔ megbe be yeadi gadzraɖoƒedzikpɔla alo azɔ ayi wò ʋu gbɔ aƒo ka na asisiwo ƒe dɔwɔƒea la, nuvlowɔla si nɔ tsitre ɖe megbewò meta eve nɔ abe ɖe wòle woƒe telefon la me dzrom ene (alo amesi lé wò Ame ŋutɔ ƒe Dzesidede Xexlẽdzesi to pinhole camera, keypad overlay, alo thermal-imaging camera dzi) ɖea afɔ yia mɔ̃a gbɔ, hea monofilament tab ɣaɣla aɖe be yeaɖe wò card alo ga babla si xaxa la ɖa, eye wòɖea wò gbesiagbe gaɖeɖe ƒe seɖoƒe hafi nàɖo ablɔdzi ƒe dzogoe dzi. Ne ATM aɖe lé wò kaɖia ɖe asi gbeɖeka alo do kpo eƒe gaxɔgbalẽvi ʋuʋu le ga ɖeɖeɖa vɔ megbe la, do wò afɔwo ɖe ATM ƒe screen ŋgɔ tẽ eye mègadzo o: tsɔ wò kaɖia de tsikpe me le wò asitelefon dzi gadzraɖoƒe ƒe dɔwɔnua me esime nèle tsitre ɖe mɔ̃a gbɔ, gbe kpekpeɖeŋu ɖesiaɖe tso "amedzro xɔlɔ̃wɔwɔtɔwo" gbɔ le xɔdɔme me, ƒo ka na gadzraɖoƒea ƒe ametafatafa xexlẽdzesi si le wò kaɖia ƒe megbe alo wò nutoa me tɔ xexlẽdzesi siwo wozãna kpata ne wodo ŋɔdzi nɛ, eye nàgbugbɔ ŋku alé ɖe míaƒe gadzraɖoƒe jugging kple ATM gaɖeɖe tailing mɔfiame, míaƒe ʋutɔɖoƒe kple ATM vestibule ambush guide, kple míaƒe ameléle sesẽe kabakaba kple ATM ƒe gaɖeɖe dzizizi ƒe mɔfiame.

Le Europa Habɔbɔ si Kpɔa Asitsatsa Dedienɔnɔ Gbɔ (EAST), United States Adzamekpovitɔwo ƒe Ganyawo Ŋuti Nuvlowɔwɔ Ŋuti Dɔwɔha, kple ATM Dɔwɔƒewo ƒe Habɔbɔ (ATMIA) ƒe nya nu la, amedzidzedze ŋutɔŋutɔ siwo wotsɔ léa kaɖiwoe kple gaxɔlawo ƒe mɔ̃wo dzi ɖe edzi kpe ɖe EMV chip ƒe ʋuʋu ŋu elabena fiafitɔ si fi wò EMV chip kaɖi ŋutɔŋutɔ kpe ɖe wò PIN si me xexlẽdzesi 4 le ŋu la, mehiã be wòawɔ chip si wotsɔ nya ɣaɣlawo ŋlɔ la ƒe nɔnɔmetata o: ɖeko wozãa wò chip ŋutɔŋutɔa ƒe nɔnɔmetata o chip card vavãtɔ be woaɖe ga gbogbotɔ kekeake le ATM atɔ̃ siwo te ɖe wo ŋu me eye woaƒle nunana gbalẽvi alo elektrɔnikmɔ̃ siwo ƒe asi sẽ le miniti 15 me. Lebanon Loop film sleeve ƒe mɔ̃ɖaŋudɔwɔwɔ tututu gɔmesese, alesi nàkpɔ alakpa ga ƒe ʋuƒo si me spring-loaded le hafi ade wò kaɖia eme, nusita amedzro aɖe si le gbɔgblɔm na wò be "Zi Cancel dzi zi eve eye nàgbugbɔ aŋlɔ wò PIN" nye fiafitɔ ŋutɔŋutɔ si le wò code ŋem, kple alesi nàtu wò kaɖia le sɛkɛnd 10 me le wò fon dzi evɔ màna mɔ̃a nakpɔ dɔlar ɖesiaɖe si le wò akɔnta me o.

Wɔ esia fifia¶

1. MÈGAzɔ le ATM la gbɔ GBEÐE ne wò kaɖia tsi mɔ̃a me alo ne mɔ̃a le ɣli dom evɔ mèna wò ga o. Lebanese Loop kaɖi ƒe mɔ̃ kple Cash-Claw ƒe ʋuƒo ƒe mɔ̃ siaa ɖoa ŋu ɖe ŋuwò be nàgblẽ mɔ̃a ɖi le dziɖeleameƒo ta 100 le alafa me. Tsi tre ɖe keypad la ŋgɔ tẽ si xe mɔ na mɔɖeɖe ɖe kaɖi ƒe ʋɔtru kple gaxɔa ŋu, he wò smartphone do goe le afima tututu le mɔ̃a gbɔ, ʋu wò gadzraɖoƒe ƒe asitelefon dzi dɔwɔnua, eye nàtrɔ "Lock Card" / "Freeze Debit Card" (alo nàɖiɖi wò gbesiagbe ATM ƒe gaɖeɖe ƒe seɖoƒe ɖe anyi va ɖo $0) hafi nàɖe afɔ ɖeka adzo le terminal la gbɔ.
2. Gbe aɖaŋuɖoɖo siwo katã tso "nukpɔla si kpena ɖe ame ŋu" si ge ɖe ATM ƒe xɔdɔme me eye wògblɔ na wò be nàgbugbɔ aŋlɔ wò PIN la gbɔ. Lebanon Loop fiafitɔ ƒe nuŋɔŋlɔ si wonya nyuie enye be wòazɔ ayi megbewò le sɛkɛnd 15 le wò kaɖi ƒe ʋuʋu vɔ megbe eye wòagblɔ be: "Oo, mɔ̃ ma hã wɔ nu ma tututu nam etsɔ, ɖeko nàlé... CANCEL button eye nàŋlɔ wò PIN la zi ɖeka ake eye wòado ɖe gota enumake." MÈGAGADE wò PIN la me ake o. Fiafitɔ si le tsitre ɖe wò abɔta la le ŋku lém ɖe wò asibidɛwo ŋu be yealé wò PIN si me xexlẽdzesi 4 le ɖe susu me ale be woate ŋu ahe wò kaɖia ado goe le abɔta le ɣeyiɣi si me nèdzo.
3. Tsɔ wò asi si nèŋlɔa nu la keŋkeŋ kple wò asi evelia alo gakotoku ɣesiaɣi si nède PIN me, ne vestibule la le ƒuƒlu gɔ̃ hã. Lebanon Loop dɔwɔlawo tsɔa microscopic pinhole video camera klãa alakpa plastic brochure dzraɖoƒe si le screen la tame, le akaɖi ƒe ʋuƒo si le etame la me, alo alakpa keypad bezel me enuenu. Wò asi si meɖua dzi o ƒe kplu abe xɔtaxɔ sesẽ aɖe ene sentimeta 2 (inch 0.8) tso wò asibidɛ siwo nèŋlɔa nu dzi gbãa ŋku na pinhole lens siwo le yame kple dzoxɔxɔ fotoɖemɔ̃wo siaa, si wɔnɛ be viɖe aɖeke meganɔa kaɖi si xaxa me o.
4. Ne ATM la wɔ mɔ̃ ƒe gbeɖiɖi si nye gaxɔgbalẽviwo xexlẽ (whir-click-click) eye nàŋlɔ gaɖeɖe ƒe nuxlɔ̃ame ɖe wò telefon dzi to asitelefon dzi, gake ga aɖeke medo o: lé ŋku ɖe gaxɔgbalẽvi ƒe nutrenu ŋu be alakpatɔ si wotsɔ aŋe bla mo hã. Fiafitɔ siwo léa ga la tsɔa aluminum alo plastic alakpaʋɔtru si me spring le si ŋu wotsɔ modzakaɖebɔti si ƒe axa eve alo ga si wotsɔ lãgbalẽ wɔe ɖo la bla ɖe ATM la ƒe gadzraɖoƒe ƒe ʋuƒo vavãtɔ dzi tẽ. He gaxɔgbalẽvi si wotsɔa plastik wɔe ƒe goawo blewuu; ne alakpa nutsyɔnu aɖe do si ɖe wò ga si lé ɖe adhesive tape ŋu fia la, tsɔ wò ga, dzra mɔ̃memimɔ̃a ɖo na kpovitɔwo (lée ɖe goawo ŋu), eye nàƒo ka na 911 / 112 / 999 enumake esime nèle dedie.
5. Ƒo ka na wò gadzraɖoƒe ƒe 24/7 Asitsalawo ƒe Dɔwɔƒe / Ametafatafa Dɔwɔƒe le nuƒomɔ̃ dzi esime nèle tsitre ɖe mɔ̃a gbɔ (mègaƒo telefon xexlẽdzesi si wota ɖe nuŋlɔtsi si le ATM la dzi gbeɖe o). Nuvlowɔlawo tsɔa "ATM Out of Order / Card Retained Helpline" vinyl sticker ŋutɔŋutɔ aɖe klãna ɖe ATM la ƒe ŋgɔgbe kple xexlẽdzesi si woxea fe na femaxee si ɖina tẽ na kpeɖeŋutɔ si bɔbɔ nɔ anyi le ʋu aɖe si le mɔa ƒe go kemɛ dzi me, amesi bia tso asiwò be nàɖo kpe wò PIN si me xexlẽdzesi 4 le la dzi. Ðeko nàƒo xexlẽdzesi si dziɖuɖua da asi ɖo tso wò gadzraɖoƒe ƒe asitelefon dzi dɔwɔnu alo nyatakakadzraɖoƒe, agblɔ ATM Terminal ID si tututu nèdi, eye nàna dɔwɔƒea nate fli ɖe kaɖia me tegbee esime nèle tsitre ɖe afima.
6. Tsɔ wò ŋutilã me dedienɔnɔ ɖo nɔƒe gbãtɔ: ne ame ɖekaɖeka siwo doa dziku la ge ɖe xɔa ƒe akpata me alo dze agbagba be yewoaƒo wò nu ƒu tso kaɖi si tsi la gbɔ la, do kaɖia ɖe wò fon dzi eye nàdo go enumake. Ne ènya ƒo "Freeze / Cancel Card" ɖe wò gadzraɖoƒe ƒe dɔwɔnua me ko la, plastic kaɖi si tsi ATM ƒe ʋɔtrua me la menye naneke wu plastic kuku kakɛ si ŋu viɖe aɖeke mele o. Mègage ɖe ŋutilã me dzrewɔwɔ me gbeɖe le ahuhɔ̃e ƒe xɔtaxɔ si wotu ɖe agbalẽvi kuku aɖe ta me gbeɖe o; do go yi dutoƒomɔ si dzi akaɖiwo le nyuie alo gadzraɖoƒea ƒe alɔdzedɔwɔƒea me eye nàyɔ kpovitɔwo.

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Nyametsotso ƒe ati: ATM kaɖi ƒe mɔ̃tetre kple ga-shutter claw emergency triage¶

Wɔ ɖe afɔɖeɖe ɖesiaɖe ƒe ɖoɖo sia dzi le ɣeyiɣi si me ATM mete ŋu trɔ wò kaɖia alo do kpo ga nana le wò gakɔnta me le esi wòɖe ga le asiwò vɔ megbe o.

flowchart TD
    Start["Anomaly at ATM: Card Ma Do ALOO Ga Shutter Anɔ Tu le Gbeɖiɖi Xexlẽ vɔ megbe"] --> StandGround["1. MÈGAZƆ ASI LE MƆ̃A ŊU O: - Nɔ anyi doe ɖe keypad & card slot la ŋgɔ tẽ - Na wò akɔta naxe mɔ na mɔ̃a tso amesiame si le lalawòm le megbewò gbɔ"]

    StandGround --> StrangerCheck{"2. Ðe eteƒekpɔla aɖe zɔna yia afima tsɔa ‘kpekpeɖeŋu’ nam alo gblɔna na wò be nàgaŋlɔ wò PIN + Cancel la akea?"}

    StrangerCheck -->|"Ẽ: Lebanontɔwo ƒe Loop Shoulder-Surfer si wonya nyuie"| RefuseStranger["REFUSE & SHIELD KEYPAD: - NEVER re-type your PIN - Gblɔ sesĩe be: 'Mele telefon dzi kple nye gadzraɖoƒe ƒe dedienɔnɔ fifia' - Ne wova zu adãtɔwo la, do card on phone app & exit to safety"]

    StrangerCheck -->|"AO: Nye ɖeka koe le mɔ̃a gbɔ"| AnomalyType{"3. Dodokpɔ kae dzɔ?"}
    RefuseStranger --> AnomalyType

    AnomalyType -->|"Card Stuck / Retained Eme Kpekpeɖeŋugbalẽvi Xlẽla ƒe Afisi"| CardTrapProtocol["CARD TRAP ('LEBANESE LOOP') PROTOCOL: 1. Ʋu Mobile Banking App -> Zi FREEZE / CANCEL CARD dzi enumake 2. Ƒo ka na gadzraɖoƒe ƒe ametafatafa ƒe ka si dziɖuɖua da asi ɖo le nuƒomɔ̃ dzi (MÈGAƑO sticker xexlẽdzesi si le ATM la dzi GBEÐE o) 3. Kpɔ kaɖi ƒe bezel ƒe nugbɔ ɖa be X-ray film tab yibɔ tsɛ aɖe, tɔƒodede ka, alo glue bezel si le gbadzaa hã le eme"]

    AnomalyType -->|"Wotrɔ Kpekpeɖeŋugbalẽvia, Woxɔ Ga le Akɔntabubua Me, Gake Ga ZERO Do"| CashTrapProtocol["CASH-SHUTTER CLAW / GLUE TRAP PROTOCOL: 1. Kpɔ telefon dzi dɔwɔnua ɖa: Ðe woɖe ga le wò ga si susɔ la mea? 2. Lé ŋku ɖe Gazazã ƒe Nutrenu Ŋu: Ðe plastik-kplu aɖe si me mekɔ o si wotsɔ aŋe bla ɖe ʋuƒoa dzia? 3. Nɔ mɔ̃a gbɔ & yɔ Gadzraɖoƒe + Kpovitɔwo (911/101/112) be nàgblɔ Ga Mɔ̃ si le dɔ wɔm"]

    CardTrapProtocol --> RegEDispute["4. TA WÒ GA (SEGBLƆÐI E / PSD2): - Xɔ Gadzraɖoƒe ƒe Ametafatafa ƒe Nufiame # kple ATM ƒe Dɔwɔƒe ƒe ID - Ðe foto ATM kaɖi ƒe ʋɔtru, gaxɔgbalẽvi, kple fotoɖemɔ̃ si le yame ƒe pinhole ƒe teƒe - Ne wotsɔ gaxɔgbalẽvi aɖe si ŋu womeɖe mɔ ɖo o da ɖe afima la, tsɔ Sedede E / EFT ƒe nya si ŋu womeɖe mɔ ɖo o la yi"]
    CashTrapProtocol --> RegEDispute

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Anatomy of physical ATM traps: Alesi 4 hardware attacks wɔa dɔ kple alesi woakpɔ woe¶

To vovo na elektrɔnik skimmers siwo dea nu goglo siwo kɔa nyatakakawo le ɖoɖoezizi me esime woɖea mɔ na wò be nàwu wò asitsatsa nu le mɔ si sɔ nu la, trapping attacks xɔa wò kaɖi alo ga si le bezel la me ŋutɔŋutɔ. Alesi wowɔ mɔ̃ ɖesiaɖe kple alesi woade dzesii le sɛkɛnd 5 do ŋgɔ na asitsatsa ƒe ŋutilã me hehe dodokpɔ me enye si:

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Alesi nàwɔ "5-Second ATM Physical Security Check" hafi ade wò kaɖia eme¶

Wotsɔa ka si ƒe axa eve le, silicone adhesive si gbɔdzɔ, alo friction clips blaa mɔ̃ ɖesiaɖe si léa mɔ̃ ŋutɔŋutɔ (eɖanye Lebanon Loop ƒe abɔta, alakpa kaɖi xlẽla ƒe bezel, keypad ƒe nutsyɔnu, alo ga-nutunu si wotsɔ glue blae o) ɖe ATM la ƒe gota gome to silicone adhesive si gbɔdzɔ, alo friction clips zazã me ale be nuvlowɔla la nate ŋu avuvui le sɛkɛnd 2 me le wò kaɖi alo ga fifi vɔ megbe.

Hafi nàɖe wò gaxɔgbalẽvi le wò gakotoku me gbeɖeka la, wɔ sɛkɛnd 5 ƒe ŋutilã me dzodzro sia:

1. Trɔ ɖe Contactless NFC Tap ( .Apple Pay / . Google Pay / . Tap Card) Ɣesiaɣi si Wòli¶

• Egbegbe gadzraɖoƒe ƒe ATM akpa gãtɔ ƒe Contactless NFC Symbol (radio ƒutsotsoe ene siwo woƒo ƒu) le keypad la xa.
• Ne èzi wò smartphone ƒe gakotoku dzi alo ƒo wò physical card la ɖe contactless pad la dzi tsɔ wu be nàtsɔ card la ade motorized slot me la, Lebanese Loop mateŋu atre wò card eye deep-insert skimmer mateŋu axlẽ wò magnetic stripe o. Zã Contactless Tap ɣesiaɣi le ATM siwo doa alɔe la dzi.

2. Lé Kpekpeɖeŋugbalẽvi Xlẽla ƒe Nuyi (The 2-Finger Tug Test) .¶

• Ne ele be nàtsɔ wò kaɖia ade eme la, tsɔ wò asibidɛ gã kple asibidɛ si wotsɔ fiaa nu lé plastic card-reader bezel (si ƒe nuyi dama, blɔ, alo klosalo si do ɖe gota) sesĩe eye hee ahaʋuʋui ɖe miame, ɖusime, dzi, kple anyime.
• Wotsɔ ga bla dɔwɔƒe ƒe ATM kaɖi xlẽla vavãtɔ ɖe gakpo ƒe chassis ememetɔ si le vault la ŋu eye maʋuʋu milimeta ɖeka pɛ hã o. Ne plastic bezel la trɔ, bɔbɔ, se le eɖokui me be yevo, alo glue si léna ɖe eŋu alo film yibɔ sue aɖe ƒe tab le slot nuyia me la, mègade wò card la eme o.

3. Tsɔ Wò Asibidɛ Si Le PIN Keypad ƒe Nugbɔ Te¶

• Kpɔ PIN keypad si wotsɔ gakpo si mexɔ dzo o wɔe ɖa: ATM keypad vavãtɔ nɔa anyi ge ɖe eme vie le ametakpɔnu ƒe akpoxɔnu si ƒo xlãe me.
• Ne keypad la bɔbɔ nɔ anyi kɔ ɖe dzi, ese le eɖokui me be goma alo do le eme ne woƒoe, alo woate ŋu akɔe ɖe dzogoea dzi kple wò asibidɛ la, ke enye alakpa PIN-logging overlay.

4. Dzro Gadzraɖoƒe ƒe Ʋuƒomɔ̃a me eye nàhee¶

• Hafi nàde wò kaɖia la, lé ŋku ɖe Cash Dispenser Chute (afisi gaxɔgbalẽviawo dona le) ŋu.
• Kpɔ egbɔ be aluminum alo plastic-gba ɣi bubu aɖeke mele ʋuƒoa ƒe ʋuƒoa dzi o, eye nàkpɔe ɖa be ʋɔtrua bɔbɔ nɔ anyi ƒuƒlu eye mɔxenu aɖeke mele eŋu o.

5. ɖu Dzoxɔxɔ & Optical Fotoɖemɔ̃wo dzi Kple "Asi Eve Xɔta + 5-Safui Kaka" Mɔnu¶

• Afɔɖeɖe A (Block Optical Lenses): Ne èle wò PIN ŋlɔm la, tsɔ wò miasi da ɖe wò ɖusibɔ dzi gbadzaa abe xɔta ene ale be dzogoe aɖeke si le ta dzi, axadzi, alo abɔta-ƒua dzi nate ŋu akpɔ safui siwo wò asibidɛwo te.
• Afɔɖeɖe B (Erase Your Thermal Heat Signature): Elabena ga ATM keypads léa asibidɛ ƒe dzoxɔxɔ ɖe te sɛkɛnd 45 va ɖo 60, ne ènya te ko ENTER, tsɔ wò asibidɛ gbadzaa ƒe asibidɛ atɔ̃awo katã ɖo safui 10 siwo katã ŋu xexlẽdzesi le dzi (0 through 9) hena sɛkɛnd 2. Ne èka asi safuiawo katã ŋu la, exɔa dzo na safui la sɔsɔe eye wògblẽa dzoxɔxɔ ƒe asidede agbalẽ te ɖesiaɖe dome.

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Nukae dzɔna le ATM la me ne Cash-Dispenser Trap xe mɔ na wò ga (kple nusita wòle be nàlala miniti 3)¶

Ne nuvlowɔla aɖe klã alakpa ʋɔtruti aɖe ɖe gaxɔa ƒe ʋuƒoa dzi eye nèbia be woaɖe ga le eme la, mɔ̃ aɖe koŋ dzɔna ɖe wo nɔewo yome le ATM la ƒe dedienɔƒe ememetɔ me:

1. Sɛkɛnd 0 va ɖo 15 (Dispense & Jam): ATM la ɖea ga le wò gadzraɖoƒe ƒe gakɔnta me to kɔmpiuta dzi, hea gagbalẽawo tso ga ƒe kasɛt siwo le eme la me, eye wòtutua wo ɖe dodoƒe ƒe ʋɔtru si xe la ŋu.
2. Sɛkɛnd 15 va ɖo 90 (The "Present Timeout" Window): ATM la ƒe ŋkumekpɔmɔ̃wo de dzesii be womeɖe ga babla la ɖa o. Le gaxɔgbalẽvi geɖe dzi la, gaxɔgbalẽviawo nɔa alakpa ʋɔtrua megbe tututu ɖe nuvlowɔla la ƒe kasɛt alo kaƒomɔ̃ si léna ɖe nu ŋu la ŋu.
3. Sɛkɛnd 90 va ɖo 120 (Ga gbugbɔgaxɔ le eɖokui si ALOO Mɔ̃ si Woɖe Ðe Go):
4. Le egbegbe ATM siwo me wotsɔ mɔ̃ siwo tsi tre ɖe gaxɔgbalẽviwo ŋu ɖo la, ne nutrenua mete ŋu ʋu le sɛkɛnd 30 va ɖo 60 me o la, mɔ̃a dzea agbagba be yeagbugbɔ feawo agbugbɔ ayi ɖe ememe nugododeƒe eye wòdea wò gakɔnta me.
5. Gake ne gagbalẽawo lé ɖe fiafitɔa ƒe nulénu ŋu sesĩe alo wotsɔ wo klã ɖe kaƒomɔ̃ dzi la, mɔ̃a mate ŋu ahe gagbalẽawo atrɔ ayi eme o. Wonɔa anyi ɖe ʋuƒoa ƒe nuyi gotatɔ me nɔa lalam be nàdzo ale be fiafitɔa nate ŋu aɖe alakpa agbaa ɖa atsɔ wò ga ade kotoku me.

Wò Afɔɖeɖe Ðe Afɔɖeɖe ƒe Ðoɖo si Tutu Ne Ga Mete Ŋu Nana O:¶

1. Nɔ do ɖe mɔ̃a ŋgɔ aɖabaƒoƒo 3 blibo ya teti. Mègazɔ yi gadzraɖoƒea ƒe xɔdɔme me gbeɖe agblẽ gota ATM la ɖi ame aɖeke manɔmee o; ne zɔhɛ aɖe le asiwò la, na ame ɖeka nanɔ ATM ƒe screen la ŋu dzɔm esime ame evelia nazɔ eme be yeaxɔ alɔdzedɔwɔƒea dzikpɔla.
2. Lé ŋku ɖe gaxɔa ƒe nutrenu ŋu nyuie. Ne èkpɔ alakpa nutsyɔnu si dze ƒã si wotsɔ ka si ƒe axa eve le gaxɔa ƒe dodoƒea tame la, zi geɖe la, ne èhe nutsyɔnu si le gbadzaa la ɖa la, àkpɔ wò ga si nèɖe ƒe babla bliboa si lé ɖe gaxɔa ƒe megbe.
3. Ðe foto siwo me kɔ kple video le wò fon dzi. Ðe foto ATM Terminal ID plaque, card slot, cash dispenser shutter, kple vodada ƒe gbedasi si le screen dzi kple wò fon ƒe ɣeyiɣidzesi.
4. Ƒo ka na wò gadzraɖoƒe ƒe xexlẽdzesi le nuƒomɔ̃ dzi esime nèle tsitre ɖe ATM la gbɔ. Gblɔ na teƒenɔla la be: "Mele tsitre ɖe ATM ƒe Dɔwɔƒe #[ID] ŋgɔ tututu le [Adrɛs]. Woɖe ga le nye gakɔnta me $[Ga home] le [Ɣeyiɣi] me, mɔ̃a wɔ toɣliɖeɖe le xexlẽ me, wometsɔ ga aɖeke na o, eye mesusu be ga-nutrenu ŋutɔŋutɔ aɖe le mɔ̃a dzi." Bia dɔwɔla la be wòaŋlɔ Tsɔ ATM Dispense Dispute / Regulation E Claim enumake eye nàna claim reference number wò hafi nàdzo.

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Gome si le asiwò le se nu be nàgbugbɔ wò ga ƒe 100% ana: Dukɔa ƒe Sedede E (US) kple PSD2 (UK/EU) .¶

Ne Lebanon Loop fiafitɔ aɖe fi wò kaɖi si xaxa eye wòɖe ga hafi nàte ŋu atsɔe ade tsikpe me, alo ne ga si wotsɔ xea mɔ na wò fi ga si nètsɔ na wò eye gadzraɖoƒea gblɔ le gɔmedzedzea me be "Míaƒe ATM ƒe ememe magazine gblɔ be wotsɔ gaxɔgbalẽviawo na," dukɔa ƒe nuƒlelawo ƒe gadzraɖoƒe ƒe sewo kpɔa tawò ne èle nu wɔm le se ƒe nyatakakawo nana ƒe fesrewo me:

1. United States: Elektrɔnik Gaɖoɖoɖa Se (EFTA) & CFPB ƒe Sedede E (12 CFR § 1005.6 & § 1005.11) .¶

• Zero / $50 Liability Cap Ne Wogblɔe Le Dɔwɔŋkeke 2 Me: Le ete 12 CFR § 1005.6(b)(1), ne èna wò gadzraɖoƒea nya le dɔwɔŋkeke 2 me le esi nèse wò gaxɔgbalẽvi si bu alo fifi (si me kaɖi si xaxa ɖe ATM me hã le) vɔ megbe la, woɖo wò se ƒe agbanɔamedzi gãtɔ kekeake ɖe ga si nèɖe le ga si ŋu womeɖe mɔ ɖo o ta la ƒe seɖoƒe na $50 (eye $0 le Visa/Mastercard Zero Liability network ƒe sewo nu ne wogblɔe enumake).
• Nusita Gadzraɖoƒewo Gbea "PIN-Authenticated" ATM Fraud Ɣeaɖewoɣi Vodada: Gadzraɖoƒe ƒe nyaʋiʋli ŋuti nuŋlɔla gbãtɔ aɖewo ɖoa agbalẽvi ƒe lɛta ɖe amewo vodadatɔe tsɔ gbea wò nyaa elabena "Wozã wò EMV chip card vavãtɔ kple PIN si me xexlẽdzesi 4 sɔ le le ATM la gbɔ."
• Alesi Nàte fli ɖe gbegbe si mesɔ o: Le CFPB Dɔwɔlawo ƒe Gɔmeɖeɖewo le Sedede E (Supplement I to Part 1005 - Comment 6(b)-2), nuƒlelawo ƒe ɖekematsɔleme (abe be woatsɔ wò PIN abɔta le ATM si xaxa me ene) mate ŋu gadzraɖoƒe aɖe azãe atsɔ adzi wò agbanɔamedzi ɖe edzi wòagbɔ $50 ƒe seɖoƒe si se le se nu, kple esi mede nenema o 15 U.S.C. § 1693g(b), kpeɖodzi ƒe agba le gadzraɖoƒea be wòaɖo kpe edzi be woɖe mɔ ɖe asitsatsa aɖe ŋu.
• Miɖo Vodada Ŋuti Nyatakaka (12 CFR § 1005.11) to posu si ŋu woɖo kpee dzi tsɔ kpe ɖe wò Kpovitɔwo ƒe Nyatakaka Xexlẽdzesi ŋu eye nàbia tso gadzraɖoƒea si be wòahe ATM Fascia Camera CCTV footage kple ATM Internal Electronic Journal (EJ) log ƒe nuŋlɔɖi. Le Sedede E nu la, ele be gadzraɖoƒea naku nu me le dɔwɔŋkeke 10 me alo agbugbɔ ŋkɔ na wò akɔnta hena ɣeyiɣi aɖe.

2. United Kingdom & Europa Dukɔwo ƒe Habɔbɔ: Fexexe ƒe Dɔwɔƒe ƒe Sedede 2017 / PSD2¶

• Le UK Ganyawo Ŋuti Dɔwɔƒe (FCA) ƒe sewo kple EU Fexexe Dɔwɔƒe ƒe Mɔfiame 2 (PSD2) nu la, ele be wò gadzraɖoƒea nagbugbɔ ga si nèɖe le ka dzi si ŋu womeɖe mɔ ɖo o la ana kaka dɔwɔŋkeke si kplɔe ɖo ƒe nuwuwu (D+1) negbe ɖe gadzraɖoƒea ate ŋu aɖo kpe ametafatafa alo ɖekematsɔleme gã aɖe dzi, eye UK Ganyawo Gbɔkpɔha (FOS) tso nya me enuenu be gege ɖe Lebanon Loop alo abɔta-ƒutsotsoe ƒe mɔ̃ me le ATM nye menye ɖekematsɔleme gã o.

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Nutome ƒe xexlẽdzesi siwo ku ɖe nudzɔdzɔ kpatawo ŋu kple dɔwɔƒea ƒe ɖoɖowo¶

ATM ƒe asitɔtrɔ ŋutɔŋutɔ ŋuti nyatakakawo nana, kaɖiwo ƒe tsikpe enumake, kple gaɖeɖe le ATM dzi si ŋu nyaʋiʋli le ƒe dzidziɖedzi zɔna ɖe dukɔa ƒe mɔnu vovovowo dzi:

• United States kple Canada:
• Kpovitɔwo ƒe Dɔdɔ: Ƒo ka na 911 ne fiafitɔ la gakpɔtɔ le bebem le ATM gbɔ hele agbagba dzem be yeado vɔvɔ̃ na wò, alo nàƒo ka na nutoa me kpovitɔwo ƒe ka si menye nu kpata o esime nèle tsitre ɖe ATM la gbɔ ale be kpovitɔ aɖe nate ŋu axɔ Lebanon Loop alo ga ƒe asike ŋutɔŋutɔ la.
• Gadzraɖoƒedzikpɔlawo ƒe Dzidziɖedzi: Ne wò gadzraɖoƒe gbe be yemagbugbɔ ga si bu le kaɖi ƒe mɔ̃ alo ga-nutunu ƒe asike me o le kpovitɔwo ƒe nyatakaka aɖe wɔwɔ vɔ megbe la, tsɔ nya ɖe Nuƒlelawo ƒe Ganyawo Takpɔha (CFPB) le Internet dzi le consumerfinance.gov/complaint (US) alo Gadzraɖoƒewo ƒe Dɔwɔnawo Kple Gadede Dɔwɔƒewo ƒe Nyagbɔkpɔla (OBSI) le 1-888-451-4519 (Canada) ƒe agbalẽ.
• Fiaɖuƒe Ðeka:
• Xexeame Katã ƒe Gadzraɖoƒegã ƒe Ametafatafa ƒe Se Kpuie (159): Ne èle tsitre ɖe ATM la ŋgɔ tututu kple kaɖi si xaxa la, ƒo ka na ** .159** le UK asitelefon ɖesiaɖe dzi. 159 Stop Scams UK ƒe kɔda kpui la doa ka kpli wò tẽe kple wò UK ablɔdzi gadzraɖoƒe ƒe ametafatafa ƒe dɔwɔƒe si ŋu woɖo kpee tẽ evɔ màde aʋatso sticker xexlẽdzesi aɖeke afɔku me o.
• Kpovitɔwo & LINK ATM Network Reporting: Ƒo ka na 999 ne ame aɖe si ŋu wole ɖi kem le le afima, alo 101 / Action Fraud (0300 123 2040) be woaxɔ Nuvlowɔwɔ Ŋuti Nuŋlɔɖi Xexlẽdzesi. Do gadzraɖoƒe ƒe nyaʋiʋli siwo gbɔ womekpɔ o ɖe ŋgɔ va ɖo Ganyawo Gbɔkpɔha (FOS) gbɔ.
• Europa Dukɔwo ƒe Ðekawɔha:
• Emergency Dispatch & Card Stop Hotlines: Yɔ 112 na kpovitɔwo ne wokpɔ mɔ̃ aɖe le mɔ̃ aɖe dzi. Zã dukɔa ƒe gadzraɖoƒewo dome kaƒoƒo siwo xea mɔ na kaɖiwo ŋkeke 24/7 esime nèle tsitre ɖe ʋudzeƒea:
  • France: Ƒo ka na 0 892 705 705 (alo xe mɔ enumake le wò gadzraɖoƒe ƒe dɔwɔnua me) eye nàka nya ta collet marseillais na Kpovitɔwo (17).
  • Germany: Ƒo ka na titina kaɖi-xexe ƒe xexlẽdzesi kpata 116 116 (Sperr-Notruf) femaxee, eye nàƒo ka na Kpovitɔwo (110) be woagblɔe Cash-Trapping.
  • Belgium: Ƒo ka na Card Stop le 078 170 170.
  • Spain / Italy / Netherlands: Xe mɔ enumake to wò gadzraɖoƒe ƒe dɔwɔnu dzi eye nàƒo ka na 112 ale be kpovitɔwo nate ŋu axɔ mɔ̃memi ƒe xɔtunuawo.
• Australia kple New Zealand:
• Kpekpeɖeŋunana Kpata & Kpovitɔwo: Ƒo ka na 000 (Australia) alo 111 (New Zealand) ne wodo ŋɔdzi na wò, alo Kpovitɔwo ƒe Kpekpeɖeŋunamɔ̃ (131 444 le AU / . 105 le NZ) me. Do gadzraɖoƒewo ƒe gagbugbɔɖoɖo ŋuti nyaʋiʋliwo ɖe edzi na Australia Ganyawo Ŋuti Nyatoƒoetoto Dɔwɔƒe (AFCA - 1800 931 678) alo Gadzraɖoƒewo ƒe Nyawo Gbɔkpɔha ƒe Ðoɖo (NZ - . 0800 805 950).
• India kple Asia-Pacific:
• India: Ƒo ka na 112 (Kpovitɔwo) kple Dukɔa ƒe Internet Dzi Nuvlowɔwɔ & Ganyawo Ŋuti Ametafatafa Kpekpeɖeŋunaƒe le 1930 enumake esime nèle wò kaɖia xem to SMS alo asitelefon dzi gadzraɖoƒe. Le India ƒe Gadzraɖoƒegã (RBI) ƒe Agbanɔamedzi Ŋuti Nyatakaka (DBR.No.Leg.BC.78/09.07.005/2017-18), asisiwo ƒe Agbanɔamedzi Zero le ame etɔ̃lia ƒe ATM dzi dada siwo ŋu woka nya ta le le dɔwɔŋkeke 3 me ta, eye ele be gadzraɖoƒewo natsɔ wo ɖokui axe ga na ATM ƒe ga si wodo kpo nu le T+5 ŋkeke me.
• Singapore / Malaysia / Japan: Ƒo ka na 999 (SG/MY) alo 110 (JP) eye nàzã wò gadzraɖoƒe ƒe Kill Switch ƒe nɔnɔme enumake le wò asitelefon dzi dɔwɔnua me.

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Nya siwo wobiaa amewo enuenu¶

Nukatae woyɔa ATM-kaɖi-mɔ̃ ƒe ametafatafa sia be "Lebanese Loop"?¶

Interpol kple Europa gadzraɖoƒewo ƒe dedienɔnɔ ŋuti numekulawo to nya "Lebanese Loop" (si woyɔna le France be le collet marseillais) vɛ le ƒe 1990 ƒeawo ƒe nuwuwu esi dukɔwo dome ametafatafa ƒe asigɛwo de blibo le mɔnu sia ŋu zi gbãtɔ le Beirut kple Mediterranea gadzraɖoƒewo ƒe dɔwɔƒewo hafi ɖoe ɖe xexeame katã vɔ megbe. Mɔ̃ gbãtɔa zã fotoɖeɖe alo atikewɔwɔ ƒe X-ray film si ƒe didime nye milimeta 35 si te ŋu trɔna bɔbɔe si wobɔbɔ wòzu ka si le ATM ƒe kaɖi xlẽla ƒe ʋɔtrua me si ƒe axadzinu sue eve siwo woxatsa si na gadzraɖoƒegbalẽvi te ŋu ƒua du yia eme nyuie, gake elé kaɖia ƒe megbekpa esime ATM la ƒe ʋuƒo siwo ŋu mɔ̃ le la dze agbagba be yewoagbugbɔe ado goe ayi asisi la gbɔ.

Aleke mawɔ ade dzesi vovototo si le ATM mɔ̃ ƒe dɔmawɔmawɔ nyuie ŋutɔŋutɔ si "ɖu" nye kaɖi kple Lebanon Loop mɔ̃ dome?¶

Ne ATM si le se nu ɖoe koŋ xɔ wò kaɖi ("lé") (le kpɔɖeŋu me, le esi nèŋlɔ PIN si mesɔ o zi etɔ̃ ɖe wo nɔewo yome ta la, wò kaɖia ƒe ɣeyiɣia wu enu, alo nègblẽ kaɖia ɖi wòdo le ʋɔtrua nu wu sɛkɛnd 30), ATM la ƒe ememe mɔ̃ ƒe ʋuƒo siwo wotsɔa mɔ̃a hea kaɖia trɔna yia gaxɔ si wotu me le gaxɔa me goglo, eye screen la ɖea a gbedasi si me kɔ si gblɔ be: "Wò gadzikpɔƒea lé wò kaɖia ɖe asi." Le Lebanon Loop mɔ̃ aɖe me la, kaɖia meɖoa nudzraɖoƒe si le eme la gbɔ gbeɖe o; wotsɔe ƒo ɖe gotagome plastik ŋɔti me ƒe afã, zi geɖe la, screen la nɔa "Taflatse lala" alo "Unable to read card" dzi, eye kaɖia ƒe bezel senɛ le eɖokui me be yevu alo ɖea film yibɔ sue aɖe alo tɔƒodede ƒe ka ƒe tab fiana. Gake ele be nàwɔ nu ɖe ​​nɔnɔme eveawo siaa ŋu sɔsɔe: tsɔ kaɖia da ɖe wò telefon dzi dɔwɔnua dzi esime nèle tsitre ɖe mɔ̃a gbɔ hafi nàdzo gbeɖeka.

Ne mehe gaxɔgbalẽvi si wotsɔ aŋe wɔe si le gbadzaa la eye mekpɔ be nye ga la lé ɖe aŋenu si wotsɔ blaa nu ŋu le alakpa nutsyɔnu aɖe megbe la, ɖe wòle be maxɔ nye gaa?¶

Ẽ, ne wò ga le alakpanu ƒe nutsyɔnu ƒe megbe wòdzena eye nuvlowɔla aɖeke mele ŋgɔwò o la, xɔ wò ga enumake, tsɔ eƒe gotagome goawo ko lé alakpa aŋetu la ƒe nutsyɔnu ale be màgaƒo ɖi nuvlowɔla la ƒe asibidɛ ɣaɣla siwo le kasɛt la dzi o, nàɖe afɔ ɖe gadzraɖoƒea ƒe alɔdzedɔwɔƒe alo dutoƒo teƒe si le dedie, eye nàyɔ kpovitɔwo kple wò gadzraɖoƒe. Mɔ̃ si wotsɔ bla ɖe mɔ̃a ŋu ƒe fotoɖeɖe gbã naa kpeɖodzi si wotsɔ gayibɔ wɔe na kpovitɔwo ƒe nyadzikpɔlawo kple miaƒe gadzraɖoƒe ƒe ametafatafadɔwɔƒea siaa.

Nukatae amedzro si zɔ yi ATM ƒe xɔdɔme me gblɔ nam be "Zi Cancel dzi zi eve eye nàgaŋlɔ wò PIN ake"?¶

Amedzro mae nye nuvlowɔla si tsɔ Lebanon ƒe Loop la de ATM-mɔ̃a me aɖabaƒoƒo 10 do ŋgɔ la godoo kloe. Ne ɣeyiɣi menɔ nuvlowɔla la si be wòatsɔ aŋe abla fotoɖemɔ̃ si me wodoa pinhole le le yame le keypad la tame o la, ke wohiã mɔnu aɖe si dzi woato asrɔ̃ wò PIN si me xexlẽdzesi 4 le hafi nàna ta adzo. To tsaɖiɖi yi xɔtaxɔa me hewɔ abe ɖe wonye asisi bubu ene eye wogblɔ alakpanya si dzi woate ŋu aka ɖo na wò ("Oo, mɔ̃ sia léna ɖe eŋu ɣesiaɣi, lé Cancel ɖe asi eye nàgaŋlɔ wò PIN la ake"), woblea wò be nàŋlɔ wò PIN la le teƒe si woate ŋu akpɔ wò nyuie esime wole wò asibidɛwo kpɔm le wò abɔta.

Ke ne nye gadzraɖoƒe gbe nye gagbugbɔɖoɖo ƒe nya gblɔ be "Wò EMV chip card ŋutɔŋutɔ kple PIN nyuitɔe wozã, eyata wòe anya" ya ɖe?¶

Mègalɔ̃ ɖe gbegbe si wowɔna le wo ɖokui si le ɖoƒe gbãtɔ dzi o. Le U.S. Federal Reserve / CFPB Regulation E (12 CFR § 1005.6) kple UK/EU PSD2 sewo nu la, EMV chip vavãtɔ zazã kple PIN nyuitɔ zazã MEÐE kpee be èɖe mɔ be woaɖe ga le eme esime wofi kaɖia to ATM mɔ̃ dzi eye PIN la gblẽ to abɔta-ƒutsotsoe alo pinhole fotoɖemɔ̃ dzi o. Ŋlɔ nyagbugbɔgadrɔ̃ si nàtsɔ akpe ɖe wò Kpovitɔwo ƒe Nudzɔdzɔ Ŋuti Nyatakaka Xexlẽdzesi ŋu, bia tso gadzraɖoƒea be wòahe ga si woɖe le ATM la me si le fascia fotoɖemɔ̃a me la tso ga si woɖe le eme alakpatɔe ƒe ɣeyiɣi ƒe dzesi dzi, eye nàtsɔ nya ɖe CFPB (U.S.), Ganyawo Gbɔkpɔha (UK), alo AFCA (Australia) ŋu ne gadzraɖoƒea megbugbɔ ga si susɔ la na le dɔwɔŋkeke 10 me o.

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Mɔfiame siwo do ƒome kplii¶

• Gadzraɖoƒe ƒe jugging kple ATM ƒe gaɖeɖe ƒe megbedede: ŋkuléle ɖe nu ŋu le ʋutɔɖoƒea kpɔkpɔ
• Tsɔtsɔkeƒe, atrakpui, ATM ƒe xɔdɔme, kple tɔtrɔƒe ƒe teƒe si wotsɔa amedzidzedze ƒe ametakpɔnu
• Ameléle sesẽe tẽ, gaɖeɖe le ATM dzi zizi, kple ameléle sesẽe dzi ɖeɖe kpɔtɔ
• Nyaʋiʋli si ku ɖe gaxɔgbalẽvi ƒe fexexe ŋu, ACH ƒe gaxɔgbalẽvi si ŋu womeɖe mɔ ɖo o, kple Sedede E ƒe gomenɔamesiwo
• Xexlẽdzesi siwo woŋlɔ ɖe nudzɔdzɔ kpatawo me ƒe nyatakakadzraɖoƒe

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Dzɔtsoƒewo kple dziɖuɖumegãwo ƒe mɔfiame¶

• Europa Habɔbɔ si Kpɔa Dedienɔnɔ ƒe Asitsatsa (EAST) & Europol Europa Internet Dzi Nuvlowɔwɔ Dɔwɔƒe (EC3): Europa Fexexe ƒe Nuvlowɔwɔ Ŋuti Nyatakakawo - ATM Dzedze Ŋuti Ŋuti Nyatakakawo, Kpekpeɖeŋugbalẽviwo Xɔxɔ (Lebanese Loop), kple Gadzraɖoƒe ƒe Ƒomeviwo.
• Nuƒlelawo ƒe Ga Takpɔkpɔ Dɔwɔƒe (CFPB): Elektrɔnik Gaɖoɖoɖa (Sedede E, 12 CFR Akpa 1005) - Nuƒlelawo ƒe Agbanɔamedzi ƒe Seɖoƒewo na ATM ƒe Gaɖeɖe si ŋu womeɖe mɔ ɖo o kple Dɔwɔlawo ƒe Nyametsotso le PIN siwo Wogblẽ Ŋu.
• United States Secret Service (USSS) & Federal Bureau of Investigation (FBI): Ganyawo Ŋuti Nuvlowɔwɔ Ŋuti Dɔwɔha ƒe Aɖaŋuɖoɖowo le ATM Skimming, Pinhole Camera Overlays, kple Physical Bezel Tampering Inspection.
• ATM Dɔwɔƒe Habɔbɔ (ATMIA) & Diebold Nixdorf / NCR Dedienɔnɔ Ŋuti Aɖaŋuɖolawo: *Nuwɔna Nyuitɔ Kekeake na Ŋutilãme ATM Kaɖi Xlẽla Takpɔkpɔ, Anti-Ga-Trapping Sensors, kple Asitsalawo ƒe Nyanyanana *.
• United Kingdom Ganyawo ƒe Agbenɔnɔ Ŋuti Dɔwɔƒe (FCA) & Ganyawo Gbɔkpɔha (FOS): Ga si woɖe le gaxɔ me si ŋu nyaʋiʋli le, Lebanon ƒe Loop Device ƒe Nyawo, kple 159 Stop Scams UK Banking Protocol.