Skip to content

Tarkon Katin ATM ("Madauki na Lebanon") da Zamba-Mai Bayar da Kuɗi: Me yasa Ba za ku taɓa barin na'urar ba.

Lambobin gaggawa sun bambanta da ƙasa. Wannan shafin yana amfani da 911, lambar ga Amurka da Kanada. Yawancin ƙasashe suna amfani da 112, 999, ko wata lamba. Nemo lambar don ƙasar ku.

Saka katin zare kudi ko katin kiredit a cikin na'ura mai sarrafa kansa (ATM) kawai don samun matsewar mai karanta kati, hadiye katinku ba tare da mayar da shi ba, ko yin sautin kirga kuɗaɗe yayin da makullin mai kashe kuɗi ya ƙi buɗewa ba wuya bazuwar inji ce. Ko'ina cikin Arewacin Amurka, Turai, United Kingdom, Latin Amurka, da Asiya-Pacific, ma'aikatan zamba na ATM sun tsara hanyoyin yin tarko ta jiki guda biyu, wato ** "Madauki na Lebanon" katin-sleeve na hannun hannu ** da ** Cash-Dispenser Claw / Glue Shutter Trap , musamman injiniyan injiniya don ɗaukar katin ku ko yin tafiya cikin daƙiƙa 0 don ba ku damar ɗaukar katin ku. waje. Da zarar ka juya baya don neman manajan banki ko tafiya zuwa motarka don kiran sabis na abokin ciniki, mai laifin da ke tsaye a bayanka na mita biyu yana yin kamar yana duba wayar su (ko wanda ya kama Lambar Shaida ta Keɓaɓɓen ta hanyar kyamarar fil, murfin faifan maɓalli, ko kyamarar hoto mai zafi) ya haura zuwa na'ura, yana jan wani ɓoye na monofilament don cire katin da aka kama ko kashe kuɗin ku na yau da kullun. Idan ATM ya taɓa riƙe katin ku ko ya kasa buɗe murfin kuɗin kuɗin bayan cire kuɗi, ** shuka ƙafafunku kai tsaye a gaban allon ATM kuma kada ku tafi **: daskare katin ku a cikin aikace-aikacen banki ta wayar hannu yayin da kuke tsaye a na'urar, ki yarda da duk wani taimako daga "baƙi" a cikin ɗakin, kira lambar zamba ta banki a bayan katin ku ko na gida. lambobin gaggawa idan an yi barazanar, kuma ku duba mu jugging na banki da jagorar jelar cire ATM, mu garejin ajiye motoci da kuma ATM vestibule kwanto jagora, da mu bayyana sacewa da tilasta cire ATM jagora.

According to the European Association for Secure Transactions (EAST), the United States Secret Service Financial Crimes Task Force, and the ATM Industry Association (ATMIA), physical card-trapping and cash-trapping attacks have surged alongside EMV chip migration because a thief who steals your physical EMV chip card plus your 4-digit PIN does not need to clone the encrypted chip: they simply use your actual genuine chip card to withdraw maximum cash at five neighboring ATMs da siyan katunan kyauta ko kayan lantarki masu daraja a cikin mintuna 15. Fahimtar ainihin injiniyan injina na hannun rigar fim ɗin madauki na Lebanon, yadda ake gano makullin tsabar kuɗi na bazara da aka ɗora kafin ka saka katinka, dalilin da yasa wani baƙo ya gaya maka "Latsa Cancel sau biyu kuma sake shigar da PIN naka" shine ainihin ɓarawo yana girbin lambar ku, da yadda ake kulle katin ku cikin daƙiƙa 10 akan wayarku ba tare da samar da injin yana kare kowace dala a cikin asusunku ba.

Yi wannan yanzu

  1. KADA kayi nisa daga ATM idan katinka yana makale a cikin ramin ko kuma idan na'urar ta yi hayaniya ba tare da ba da kuɗin kuɗin ku ba. Dukansu tarkon Katin Loop na Lebanon da Cash-Claw rufe tarkon sun dogara 100 bisa 100 akan ka watsar da injin cikin takaici. Tsaya kai tsaye gaban faifan maɓalli da ke toshe hanyar shiga katin da tsabar kuɗi, ciro wayar ku a can wurin injin, buɗe aikace-aikacen wayar hannu ta bankin ku, sannan ku kunna "Katin Kulle" / "Daskare Katin Zari" (ko rage iyakar cirewar ATM na yau da kullun zuwa ga $0) ** kafin ka ɗauki mataki ɗaya daga tashar ***.
  2. klzzwxh:0016 **Kada ka sake shig da PIN dinka.** Barawon da ke tsaye a kafadarka yana kallon yatsunka don haddace PIN mai lamba 4 don su ciro katinka daga hannun hannun lokacin da ka fita.
  3. **Rufe hannun buga rubutu gaba ɗaya da hannunka ko walat ɗinka a duk lokacin da ka shigar da PIN, koda kuwa babu komai. Cire hannun da ba babba ba kamar rufin rufi ** santimita 2 (inci 0.8) sama da yatsun bugawa ** yana makanta duka ruwan tabarau na saman sama da kyamarori masu zafi, suna maida katin da aka kama mara amfani.
  4. ** Idan ATM ya yi sautin injina na lissafin lissafin kuɗi (whir-click-click) kuma ya aika da faɗakarwar janyewa zuwa wayar ka, amma babu kuɗi da ya fito: duba madaidaicin tsabar kuɗi don abin rufe fuska mai mannewa.** barayi masu kama da tsabar kuɗi suna haɗa wata kofar karya ta aluminum ko robobin da aka ɗora a lokacin bazara** wanda aka yi masa layi da tef ɗin kafet mai fuska biyu ko kuma shingen ƙarfe kai tsaye a kan madaidaicin tsabar kuɗi na ATM. A hankali a ja kan gefuna na robobin tsabar tsabar kudi; idan murfin ƙarya ya ɓace yana bayyana kuɗin ku na makale zuwa tef ɗin mannewa, ɗauki kuɗin ku, ajiye na'urar tarko ga 'yan sanda (riƙe ta gefen gefuna), kuma ku kira 911/112/999 nan take yayin da kuke zaune lafiya.
  5. ** Kira Sashen Abokin Ciniki na Bankin ku 24/7 / Sashen Zamba akan lasifikar da ke tsaye a wurin injin (kada ku taɓa buga lambar waya da aka buga akan sitika akan ATM). yana tambayarka don tabbatar da PIN ɗinka mai lamba 4. Kawai buga lambar hukuma daga app ɗin wayar hannu ko gidan yanar gizon bankin ku, bayar da rahoton ainihin ATM Terminal ID, kuma a sa wakilin ya soke katin har abada yayin da kuke tsaye a wurin.
  6. **Ka ba da fifikon lafiyar jikinka: idan wasu masu tsaurin ra'ayi sun shiga cikin falon ko kuma su yi ƙoƙari su nisanta ka daga katin da ke makale, kulle katin a wayar ka kuma fita nan da nan. Kada ku taɓa shiga cikin husuma ta zahiri a cikin rufin gilashin da aka rufe akan mataccen katin; fita zuwa cikin titin jama'a mai haske ko cikin reshen banki kuma ku kira 'yan sanda.

Me yasa 'Madauki na Lebanon' ya ci Tsaron Chip EMV ba tare da buƙatar Skimmer ba

Yawancin abokan cinikin banki sun yi imanin cewa saboda katin zare kudi yana da rufaffiyar EMV microprocessor guntu, masu laifin ATM ba za su iya yin sata daga wurinsu a injin kuɗi ba. Wannan gaskiya ne kawai ga * Magnetic-stripe skimming * (cloning a kwafin katin). **Madauki na Lebanon *** yana ƙetare ɓoyewar EMV gaba ɗaya ta hanyar ** satar ainihin katin guntu na zahiri ***. Da zarar barawon ya zame madauki na fim na X-ray na bakin ciki daga ramin katin yana riƙe da ainihin katin ku kuma ya haɗa shi da PIN mai lamba 4 da suka yi rikodin ta kyamarar pinhole ko hawan igiyar ruwa, suna tafiya zuwa ATM na gaba kuma su saka guntu EMV na gaske. Saboda kati da PIN duk ingantattu ne, kwamfutar zamba ta banki ta amince da duk wani cire kudi har zuwa iyakar ku na yau da kullun har sai kun daskare katin.

Bishiyar yanke shawara: katin ATM tarko da tsabar kuɗaɗen rufewa na gaggawa

Bi wannan ka'ida ta mataki-mataki a lokacin da ATM ya kasa mayar da katin ku ko kuma ya kasa ba da kuɗi bayan cire kuɗin asusunku.

flowchart TD
    Start["Anomaly a ATM: Katin Ba Zai Fitar ba KO Kuɗin Kuɗi Ya Kasance A Rufe Bayan Ƙirar Sauti"] --> StandGround["1. KAR KU YI TAFIYA DAGA INJI: - Tsaya a dasa kai tsaye a gaban faifan maɓalli & Ramin katin - Ka kiyaye jikinka yana toshe injin daga duk wanda ke jira a bayanka."]

    StandGround --> StrangerCheck{"2. Shin mai kallo yana tafiya yana ba da 'taimako' ko yana gaya muku ku sake shigar da PIN + Cancel ɗin ku?"}

    StrangerCheck -->|"YES: Classic Lebanon Loop Forer-Surfer"| RefuseStranger["KEYPAD NA GASKIYA: - KADA KA sake rubuta PIN ɗinka - Jiha da ƙarfi: 'Ina kan waya tare da tsaro na banki yanzu' - Idan sun zama masu tayar da hankali, kulle katin a aikace-aikacen wayar kuma fita zuwa aminci."]

    StrangerCheck -->|"A'a: Shi kaɗai a na'ura"| AnomalyType{"3. Wace gazawa ta faru?"}
    RefuseStranger --> AnomalyType

    AnomalyType -->|"Manne Katin / Riƙe Ciki Mai Karatun Kati"| CardTrapProtocol["TARKON KATIN ('LEBANESE LOOP') TSARI: 1. Buɗe Mobile Banking App -> Matsa FREEZE/CANCEL CARD nan da nan 2. Kira layin zamba na banki akan wayar lasifikar (KADA a taɓa kiran lambar siti akan ATM)"]

    AnomalyType -->|"Katin Dawowa, Aka Cishi Akansu, Amma ZERO Cash Ya Fito"| CashTrapProtocol["CASH-SHUTTER CLAW / GLUE TRAP PROTOCOL: 1. Duba aikace-aikacen waya: An ci bashin ma'aunin ku? 2. Bincika Shutter Dispenser Cash: Shin akwai sako-sako da farantin filastik da aka manne akan gunkin? 3. Zauna a injin & kira Bank + 'yan sanda (911/101/112) don ba da rahoton tarkon Kuɗi mai aiki"]

    CardTrapProtocol --> RegEDispute["4. KARE KUDIN KU (DOKACIN E / PSD2): - Sami Bayanin Zamba na Banki # da ATM Terminal ID - Hoton Ramin katin ATM, makullin tsabar kuɗi, da yankin kyamarar sama - Idan an buga wani zare da aka ba da izini, shigar da ƙa'idar E / da'awar EFT mara izini"]
    CashTrapProtocol --> RegEDispute

Anatomy na tarkunan ATM na zahiri: Yadda harin kayan masarufi 4 ke aiki da yadda ake gano su

Ba kamar zurfafa shigar da skimmers na lantarki waɗanda ke kwafin bayanai cikin shiru yayin da suke ba ku damar kammala ma'amalar ku ta yau da kullun, ** hare-haren tarko ** suna kama katin ku ko kuɗin ku a cikin bezel. Anan ga yadda aka gina kowace na'ura da kuma yadda ake gano ta yayin gwajin tug na zahiri na daƙiƙa 5 na gaba-gaba**:

Makanikai hari Yadda Mai Laifi Ke Gina & Sanya Shi Me Yake Faruwa Yayin Ma'amalar Ku Na gani & Tactile Faɗin Gaban / Lokacin Amfani
1. "Madauki na Lebanon" (Katin-Slot Sleeve / Hook) Tari na ** fim ɗin X-ray na hoto mai duhu, tef ɗin maganadisu na VHS, ko filastik acetate mai sassauƙa *** (18 mm fadi) an naɗe shi cikin madauki tare da ƙananan barbs masu fuskantar ciki, ko ƙugiya-ƙarfe mai ƙugiya da aka haɗe don share layin kamun kifin monofilament a ɓoye a ƙarƙashin leɓen filastik na ƙarya. Katin ku yana zamewa zuwa hannun rigar fim a cikin ramin injina. Hannun hannu yana hana na'urorin na ATM na ciki daga kamawa ko fitar da katin (ko kuma ya toshe katin zama a kan microswitch na baya), don haka allon ko dai madaukai "Ba za a iya karanta katin ba" ko kuma ya daskare yayin da katin ku ya tsaya cik a ciki. - Katin yana jin ** matsatsi mara kyau ko spongy ** lokacin da kuka tura shi cikin ramin
- Wani ɗan ƙaramin fim ɗin baƙar fata ** 1-zuwa-2 mm, layin kamun kifi mai tsabta, ko gefen tef mai naɗewa ** yana fitowa a kusurwar ƙasa na koren mai karanta kati mai walƙiya.
- Mai karanta katin robobi yana murzawa kadan lokacin da aka ja shi
2. Mai Rarraba Kuɗi Mai Rufe Tarko ("Manne / Velcro Bar") Wani jabu ** anodized aluminum or gyare-gyaren filastik filastik mai launin toka *** wanda ke ɗaukar kai tsaye akan ƙofar rufewar kuɗi na ATM, wanda aka yi masa layi a ciki tare da ** babban tef ɗin kumfa mai fuska biyu, manne bera, ko haƙoran ƙarfe mai kusurwa zuwa sama. Kuna saka katin ku, shigar da PIN ɗin ku, kuma kuna buƙatar $400. A cikin na'ura, lissafin lissafin ya ƙidaya kuɗin dala ashirin (20)whir-clack-clack) sannan ya tura tari zuwa makogwaron bayarwa, inda kudade ** suka dunguma kai tsaye cikin tef din da ke bayan rumfar karya** maimakon tura kofar ta bude. - Makullin mai ba da kuɗi yana kama da ** kaɗan kaɗan, fitowa, rashin daidaituwa a cikin launi, ko tashe kewayen kewaye **
- Kuna jin lissafin lissafin ciki yana gudana kuma yana karɓar faɗakarwar zare kudi ta SMS, amma rufewar yana rufe kuma allon yana nuna * "Kuskuren ciniki / Da fatan za a karɓi kuɗin ku"
3. The "Cash Claw" / Waya cokali mai yatsa ("Trident" Mai kama na ciki) Doguwar fa'ida, mai faɗin cokali mai yatsu-karfe ko tsefe ** ya tura zurfafa cikin maƙogwaron tsabar kuɗi yayin cirewar dala 10 da ta gabata yayin da murfin ya buɗe na ɗan lokaci. Barawon ya dira kambun karfen da ke cikin hanyar safarar kudi ya tafi. Lokacin da wanda aka azabtar na gaba ya janye dala 500, ana rataye takardar a cikin cokali mai yatsa mai zurfi a cikin makogwaro; barawon ya dawo bayan dakika 30 bayan ka tafi ya ciro cokali mai yatsa tare da kuɗin ku - Ƙananan scratches ko alamomin pry akan leɓan ƙasa na rufewar kuɗin kuɗi
- Sirarriyar tip ɗin waya ko shafin ƙarfe wanda ake gani a cikin kabu na ƙasan tsabar kuɗi
4. Acoustic / Thermal / Na gani PIN Pad overlays & Pinhole Bars Saboda katin da aka makale bashi da amfani ba tare da PIN naka ba, barawon yana shigar ko dai:
- A ** 0.5 mm silicone/karfe mai rufin kushin PIN na ƙarya ** kai tsaye akan faifan maɓalli na gaske wanda ke yin rikodin maɓallan maɓalli akan guntun filasha na ciki, KO
* Wani ƙaramin ruwan tabarau na pinhole ** wanda aka ɓoye a cikin kwandon filastik na ƙarya, mashaya mai watsa haske, ko madubi na gefe.		 Yayin da kake buga lambar PIN ɗinka mai lamba 4, mai rufi yana yin rikodin madaidaicin jerin maɓalli (ko kyamarar pinhole tana yin rikodin yatsunka). Ko da ba tare da kyamara ba, masu laifi da ke zaune a cikin motar da ke kusa suna amfani da ** smart phone FLIR thermal cameras ** daidai bayan kun tashi don karanta ragowar sa hannun zafi na maɓallan ƙarfe 4 da kuka taɓa (brightest key = last digit pressed) - faifan maɓalli yana jin ** kauri, spongy, ɗorawa tare da kewayen bezel, ko rashin danna maballin taɓawa ***
- A karama 1 mm ɗigo baƙar fata (pinhole) da aka haƙa a cikin filastik datsa kai tsaye sama da allon ko a cikin akwatin leaflet ɗin filastik da ke manne da gefen ATM

Yadda ake yin "Check Physical Security Check ATM na biyu" kafin saka katin ku

Kowane na'ura mai kama tarko ta jiki (ko hannun riga na Lebanon, bezel mai karanta katin karya, abin rufe fuska na faifan maɓalli, ko farantin rufe tsabar kuɗi) ana haɗe shi zuwa wajen ATM ta amfani da ** tef mai gefe biyu, mannen silicone mai rauni, ko shirye-shiryen gogayya *** don haka mai laifi zai iya firgita shi a cikin katin ko daƙiƙa 2 bayan sata.

Kafin ka taba fitar da katin zare kudi daga walat ɗinka, yi wannan duban jiki na daƙiƙa 5:

1. Canja zuwa Matsa NFC mara lamba (Apple Pay / Google Pay / Tap Card) Duk Lokacin Da Ya Samu

  • Yawancin ATMs na banki na zamani suna da ** Alamar NFC maras lamba ** (madaidaicin radiyo huɗu) kusa da faifan maɓalli.
  • Idan ka matsa walat ɗin wayar ka ko ka taɓa katin ka na zahiri akan kushin mara lamba maimakon saka katin a cikin ramin mai motsi, Madauki na Lebanon ba zai iya kama katin ka ba kuma mai zurfin saka skimmer ba zai iya karanta tsinken maganadisu ba. Yi amfani da Matsa mara waya koyaushe a ATMs masu goyan bayan sa.

2. Ansu rubuce-rubucen da Wiggly-Ja da Card Reader Snout (The 2-Finger Tug Test)

  • Idan dole ne ka saka katin ka, ka riƙe robobin ** mai karanta katin kati (snout kore, shuɗi, ko azurfa)** da ƙarfi tare da babban yatsan yatsan hannunka da yatsan hannunka da ** ja ka jujjuya shi hagu, dama, sama, da ƙasa**.
  • Na'urar karanta katin ATM na gaske an kulle shi a cikin chassis na ƙarfe na ciki na vault kuma ** ba zai ƙyale milimita ɗaya ba**. Idan robobin robobin ya canza, yana sassauya, yana jin sako-sako, ko yana da ragowar manne ko dan kankanin fim din bakar fim a cikin leben ramin, ** kar a saka katin ku**.

3. Guda Farcen Yatsa A Ƙarƙashin Ƙarƙashin Maɓallin PIN

  • Dubi faifan maɓalli na bakin karfe na PIN: faifan maɓalli na ATM na gaske yana zaune kaɗan ** an ajiye *** a cikin garkuwar sirrin kewaye.
  • Idan faifan maɓalli yana zaune ** ɗaga sama **, yana jin rubbery ko rami lokacin da aka taɓa shi, ko ana iya ɗaga shi a kusurwa da farcen hannunka, rufin shigar da PIN na ƙarya ne.

4. Bincika da Tug Ƙofar Rufaffen Kuɗi

  • Kafin saka katin ku, duba ƙasa a ** Cash Dispenser Chute ** (inda takardar kuɗi ke fitowa).
  • Tabbatar cewa babu ƙarin aluminium ko farantin filastik mai launin toka wanda ke manne akan buɗewar rufewa, kuma duba cewa makullin yana zaune a ruwa kuma ba tare da toshewa ba.

5. Kayar da Thermal & Na gani kyamarori Tare da "Rufin Hannu Biyu + 5-Key Touch" Dabarar

  • Mataki A (Toshe Lens na gani): Lokacin buga PIN naka, kwantar da hannun hagunka bisa hannun dama naka kamar rufin sama don kada a sama, gefe, ko kusurwar da ke sama da kafada zai iya ganin waɗanne maɓallan yatsun ka latsa.
  • Mataki na B (Goge Sa hannu na Zafin zafin ku): Saboda faifan ATM na ƙarfe yana riƙe zafin yatsa na daƙiƙa 45 zuwa 60, ** da zaran kun danna. ENTER, ka huta dukkan yatsu biyar na tafin hannunka a kan dukkan maɓallan masu lamba 10 (0 through 9) na dakika 2**. Taɓa duk maɓallan yana dumama faifan maɓalli iri ɗaya kuma yana lalata duk wani sa hannu na thermal.

Abin da ke faruwa a cikin ATM lokacin da Trap-Dispenser Trap ya toshe kuɗin ku (kuma me yasa yakamata ku jira mintuna 3)

Lokacin da mai laifi ya manne tarkon rufewa na ƙarya akan ma'ajin kuɗin kuɗi kuma kuka nemi cirewa, takamaiman tsarin injin yana faruwa a cikin amintaccen ATM na ciki:

  1. Dakika 0 zuwa 15 (Disense & Jam): ATM na ciro asusun ajiyar ku na banki ta hanyar lantarki, ya ciro kudi daga kaset ɗin tsabar kudi na ciki, sannan ya tura su a kan rufewar da aka toshe.
  2. Dakika 15 zuwa 90 (Tagar "Lokaci na Yanzu"): Na'urori masu auna firikwensin ATM sun gano cewa ba a cire tarin tsabar kudi ba. A kan ATMs da yawa, lissafin kuɗi yana kasancewa a cikin layi daidai bayan rufewar ƙarya a kan tef ɗin mai ɗaki ko cokali mai yatsa na waya.
  3. Dakika 90 zuwa 120 (Janye Kuɗi ta atomatik KO Tarkon Bayyana):
  4. A kan ATMs na zamani sanye take da firmware na hana tarkon kuɗaɗe, idan mai rufewa ba zai iya buɗewa cikin daƙiƙa 30 zuwa 60 ba, injin yana ƙoƙarin ** mayar da kuɗin baya zuwa cikin kwandon shara na ciki *** kuma ya ƙididdige asusun ku.
  5. Duk da haka, idan takardun kuɗin sun makale da sauri ga farantin mannewa na barawo ko kuma an rataye su a kan cokali mai yatsa na waya, ** inji ba zai iya ja da lissafin baya ciki ** ba. Suna zaune a cikin leɓe na waje suna jiran ku tafi don ɓarawo ya cire farantin ƙarya ya aljihu kuɗin ku.

Ainihin Shirin Ayyukan Mataki na Mataki-mataki Idan Kuɗi ya kasa Badawa:

  1. Ku zauna a dasa a gaban injin na tsawon mintuna 3 cikakke. Kada ku taɓa shiga harabar banki ku bar ATM na waje ba tare da kula ba; Idan kana da abokin tafiya, to ka sa mutum daya ya tsaya yana gadin ATM screen yayin da mutum na biyu ya shiga ciki don samun manajan reshe.
  2. Bincika makullin kuɗin da kyau. Idan ka ga farantin murfin karya a bayyane makale a kan ramin fita kuɗin kuɗi tare da tef mai gefe biyu, cire murfin murfin da aka kwance zai bayyana yawancin kuɗin da aka cire don manne a bayan farantin.
  3. ** Ɗauki bayyanannun hotuna da bidiyo akan wayarku.** Hoton alamar ATM Terminal ID plaque, da card slot, cash dispenser shutter, da ** saƙon kuskure akan allo** tare da tambarin wayar ku.
  4. Ki kira lambar hukuma ta bankin ku akan lasifikar da kuke tsaye a ATM. Ku gaya wa wakilin: "Ina tsaye a gaban ATM Terminal #[ID] a [Adireshin] an ci bashin asusu na $[Kudi] a [Lokaci], na'urar ta yi ƙara, ba a ba da tsabar kudi ba, kuma ina zargin wani ma'aikacin tsabar kudi ne ya kama ATM din. Rarraba Rigima/Ka'ida E Da'awar* kuma ba ku lambar tuntuɓar da'awar kafin ku tafi.

Hattara da 'Latin Taimakon Banki na Karya' wanda aka Manna Dama Sama da faifan maɓalli

Ma'aikatan Loop na Lebanon da aka shirya a cikin Burtaniya, Turai, Amurka, da Ostiraliya akai-akai suna buga lambobi na vinyl masu sheki masu ɗauke da tambarin bankin da aka sace wanda ya karanta:

"Kuna da matsala? Idan wannan ATM ɗin yana riƙe katinku ko tsabar kuɗi, ku kira Technical Release Technical Release Desk na awoyi 24 nan take a 1-800-XXX-XXXX kuma danna 1 don fitar da katin ku." Lokacin da ka buga lambar sitika yayin da kake tsaye a injin, wani ɗan damfara ya ba da amsa da cewa shi ne tebur ɗin tsaro na banki na ATM, ya nemi ka tabbatar da sunanka da lambobi 4 na ƙarshe na katinka, sannan ya tambaye ka ka danna "maɓallin PIN mai lamba 4 naka a madannin wayar ka (ko gaya mani PIN) don haka sabar gidanmu ba za ta iya aika da wani lokaci a banki ba. Katin da aka makale a jiki ta wayar tarho, kuma babu wani halaltaccen ma'aikacin banki da zai taɓa tambayar PIN ɗin ku. Koyaushe samun lambar wayar bankin ku daga aikace-aikacen banki ta hannu na hukuma.

Haƙƙin ku na doka don dawo da 100% na kuɗin ku: Dokokin Tarayya E (US) da PSD2 (UK/EU)

Idan barawon madauki na Lebanon ya sace katin da aka makale kuma ya cire tsabar kudi kafin ku iya daskare shi, ko kuma idan tarkon kashe kuɗi ya sace kuɗin kuɗin da aka bayar kuma bankin ya fara iƙirarin *"Mujallarmu ta ATM ta ce an ba da kuɗin kuɗin," * Dokokin banki na mabukaci na tarayya suna kare ku lokacin da kuke aiki a cikin windows masu ba da rahoto na doka:

1. Amurka: Dokar Canja wurin Asusun Lantarki (EFTA) & Dokar CFPB E (12 CFR § 1005.6 & § 1005.11)

  • ** Sifili / $ 50 Lamuni Lokacin da Aka Ba da rahoto A Cikin Kwanakin Kasuwanci 2 ***: Ƙarƙashin 12 CFR § 1005.6(b)(1), idan kun sanar da bankin ku a cikin ** 2 kwanakin kasuwanci *** bayan koyon asarar ko satar katin kuɗin kuɗi (ciki har da katin da aka makale a cikin ATM), matsakaicin alhakin ku na shari'a don cirewa ba tare da izini ba ya kasance a ** $ 50 ** (da $ 0 a ƙarƙashin Visa / Mastercard Zero Liability network in an bayar da rahoton gaggawa).
  • ** Me yasa Bankuna Wani lokaci Ba da Kuskure ba ATM na yaudarar "PIN-Gaskiya"**: Wasu ma'aikatan banki na matakin farko sun yi kuskure sun aika da wasiƙar da ke ƙaryata da'awar ku saboda *"Sahihin katin EMV ɗin ku da kuma daidaitaccen PIN mai lamba 4 an yi amfani da shi a ATM."
  • **Yadda ake Juyar da Mummunar ƙin yarda : Karkashin ** Fassarar Ma'aikatan CFPB na Hukuma ga Ka'idar E (Supplement I to Part 1005 - Comment 6(b)-2, sakaci na mabukaci (kamar shigar da PIN ɗin ku a kafadar ku a cikin ATM mai tarko) ** ba za a iya amfani da shi ta banki ba don ƙara alhaki fiye da ka'idar $ 50, kuma ƙasa 15 U.S.C. § 1693g(b), ** nauyin hujja yana kan banki *** don tabbatar da cewa an ba da izinin ciniki.
  • Gabatar da rubutaccen sanarwa ** Sanarwa na Kuskure (12 CFR § 1005.11** ta hanyar saƙon da aka ba da izini wanda ke haɗa lambar rahoton 'yan sanda ** tare da buƙatar bankin ya cire fim ɗin ** ATM Fascia Camera CCTV** da kuma ** ATM Internal Electronic Journal (EJ) log**. A ƙarƙashin Dokar E, bankin dole ne yayi bincike a cikin kwanakin kasuwanci 10 ko sake ƙididdige asusun ku na ɗan lokaci.

2. Ƙasar Ingila & Tarayyar Turai: Dokokin Sabis na Biyan kuɗi 2017 / PSD2

  • Karkashin dokokin Hukumar Kula da Kuɗi ta Burtaniya (FCA) da EU ** Umarnin Sabis na Biyan kuɗi 2 (PSD2) , bankin ku dole ne ya dawo da cire kuɗin katin da ba izini ba ** zuwa ƙarshen ranar kasuwanci ta gaba (D+1 Sai dai idan bankin ya tabbatar da zamba ko kuma sakaci sosai, kuma Hukumar Kula da Kare Kudi ta Burtaniya (FOS)* ta sha yanke hukuncin cewa faduwa cikin madauki na Lebanon ko tarkon hawan kafada a na'urar ATM ba *** babban sakaci ne.

Sanya Iyakar Fitar da ATM ɗinku na yau da kullun zuwa $100 ko $200 A cikin App na Bankin ku

Yawancin bankuna suna saita iyakacin cire kuɗi na ATM na yau da kullun akan $ 500 zuwa $ 1,500 kowace rana ***. Bude app na banki ta hannu yau, je zuwa Card Controls -> Spending & Withdrawal Limits, kuma saita daidaitaccen kuɗin kuɗin ATM ɗin ku na yau da kullun zuwa $100 (ko kunna ATM Withdrawals: OFF har zuwa daidai lokacin da kake buƙatar amfani da ATM). Ko da mai laifi ya kama katin ku da PIN ɗin ku, toshe mai sarrafa katin yana dakatar da sanyin cirewa.

Lambobin gaggawa na yanki da ka'idojin hukumar

Bayar da rahoton ɓarna ATM na zahiri, daskare katunan nan da nan, da haɓakar cirewar ATM ɗin da ake jayayya suna bin tashoshi na ƙasa daban-daban:

  • Amurka da Kanada:
  • **An aika da 'yan sanda ***: Kira 911 idan har yanzu barawon yana kwance kusa da ATM yana ƙoƙarin tsoratar da ku, ko kuma ku kira layin 'yan sanda na yankin da ba na gaggawa ba yayin da kuke tsaye a ATM don haka jami'in ya sami damar dawo da madaidaicin madauki na Lebanon ko na'urar kutse.
  • ** Ƙaddamar da Ma'aikatar Banki *: Idan bankin ku ya ƙi mayar da kuɗin da aka rasa a tarkon kati ko tsabar kuɗi bayan kun shigar da rahoton 'yan sanda, shigar da ƙararraki a kan layi tare da ** Ofishin Kariya na Kasuwanci (CFPB) a consumerfinance.gov/complaint (US) ko Ombudsman for Banking Services and Investments (OBSI) a 1-888-451-4519 (Kanada).
  • ** United Kingdom:
  • ** Short Code Short Code na Babban Bankin Duniya159***: Yayin da kake tsaye a gaban ATM da katin da aka kama, danna 159 akan kowace wayar hannu ta UK. Gajerun lambar 159 Stop Scams UK tana haɗa ku kai tsaye zuwa sashin tabbatar da zamba na bankin babban titin ku na Burtaniya ba tare da haɗarin lambar sitika ta karya ba.
  • 'Yan sanda da haɗin kai Rahoton ATM Network: Kira 999 idan wanda ake tuhuma yana nan, ko 101 / ** Zamba (Zamba)0300 123 2040*** don samun Lambar Rubutun Laifuka. Haɓaka rigingimun banki da ba a warware su ba zuwa Ma'aikatar Ombudsman ta Kuɗi (FOS).
  • ** Tarayyar Turai ***:
  • **Aikewa da gaggawa & Layukan Tsayar da Kati ***: Kira 112 don 'yan sanda idan an gano tarko akan na'ura. Yi amfani da layukan toshe katin banki na ƙasa 24/7 yayin da kuke tsaye a tashar:
    • ***Faransa ***: Kira 0 892 705 705 (ko toshe nan take a cikin app na banki) kuma bayar da rahoto collet marseillais ga 'yan sanda (17).
    • Jamus: Kira lambar gaggawar toshe katin tsakiya 116 116 (Sperr-Notruf* kyauta, kuma a kira 'yan sanda (110) da rahoto Cash-Trapping.
    • Belgium*: KiraCard Stop a 078 170 170.
    • **Spain / Italiya / Netherlands ***: Toshe nan da nan ta hanyar aikace-aikacen banki na ku kuma kira 112 don 'yan sanda su kama kayan aikin tarko.
  • ** Ostiraliya da New Zealand ***:
  • Taimakon Gaggawa & Taimakon 'Yan Sanda: Kira 000 (Ostiraliya) ko 111 (New Zealand) idan an yi barazanar, ko kuma ** Layin Taimakon 'Yan sanda (131 444 in AU/ 105 da NZ). Ƙaddamar da takaddamar maido da banki zuwa Hukumar Korafe-korafen Kuɗi na Australiya (AFCA - 1800 931 678 ko ** Tsarin Ombudsman na Banki (NZ - 0800 805 950).
  • **Indiya da Asiya-Pacific:
  • Indiya: Kira 112 ('Yan sanda) da kuma Layin Taimakon Laifukan Intanet na Kasa da Zamba na Kudi a 1930 kai tsaye yayin toshe katin ku ta hanyar SMS ko bankin wayar hannu. Karkashin Reserve Bank of India (RBI) Limited Liability CircularDBR.No.Leg.BC.78/09.07.005/2017-18, abokan ciniki suna da Alhaki na Sifili don cin zarafin ATM na ɓangare na uku da aka ruwaito a cikin kwanakin aiki 3, kuma dole ne bankuna su ba da bashi ta atomatik ta gazawar ATM tsabar kuɗi a cikin T+5 days.
  • **Singapore / Malaysia / Japan ***: Kira 999 (SG/MY) ko 110 (JP) kuma yi amfani da fasalin bankin ku nan take Kill Switch a cikin app ɗin ku ta hannu.

Tambayoyin da ake yawan yi

Me yasa ake kiran wannan damfara na tarkon katin ATM da sunan "Madauki na Lebanon"?

Interpol da masu binciken tsaro na bankunan Turai sun kirkiri kalmar "Lubabanese Loop" (wanda aka sani a Faransa a matsayin lecollet marseillais) a ƙarshen 1990s bayan zoben zamba na kasa da kasa sun fara kammala wannan dabara a cibiyoyin banki na Beirut da Rum kafin a fitar da shi zuwa duniya. Na'urar ta asali ta yi amfani da sauƙi mai sauƙi na hoto mai sassauƙa na 35mm ko fim ɗin X-ray na likita wanda aka lanƙwasa cikin madauki a cikin ramin mai karanta katin ATM tare da ƴan ƙarami masu naɗe-haɗe waɗanda ke ba da damar katin banki ya zamewa ciki sumul, amma ya kama gefen katin lokacin da na'urorin injin na ATM suka yi ƙoƙarin tura shi ga abokin ciniki.

Ta yaya zan iya bambanta tsakanin rashin aikin injin ATM na gaske wanda ya “ci” katina da tarkon madauki na Lebanon?

Lokacin da halaltaccen ATM ya kwace katinka da gangan ("ya kama") (misali, saboda ka shigar da PIN mara kyau sau uku a jere, katinka ya ƙare, ko ka bar katin yana mannewa daga cikin ramin sama da daƙiƙa 30), na'urorin motsa jiki na ATM na ciki suna jan katin har zuwa cikin kulle-kulle na kamannin karfe a cikin katin nunin, kuma an rufe saƙon da ke cikin katin. cibiyar kudi." A cikin tarkon madauki na Lebanon, katin bai taɓa isa ga kwandon shara na ciki ba; an lulluɓe shi da rabi a cikin maƙogwaron filastik na waje, allon sau da yawa yana rataye akan "Don Allah a jira" ko "Ba za a iya karanta katin ba," kuma bezel ɗin katin yana jin sako-sako ko yana nuna ƙaramin fim ɗin baƙar fata ko shafin layin kamun kifi. Koyaya, yakamata ku bi duk yanayi iri ɗaya: daskare katin akan app ɗin wayarku yayin da kuke tsaye a injin kafin ku taɓa tafiya.

Idan na ja a sako-sako da makullin tsabar kudi na robo kuma in sami kuɗina makale da tef a bayan murfin ƙarya, shin zan karɓi kuɗina?

Haka ne, idan kuɗin ku yana makale a bayan murfin rufewar ƙarya kuma babu wani mai laifi da ke fuskantar ku, dawo da kuɗin ku nan da nan, ku riƙe murfin filastik na ƙarya kawai ta gefensa na waje don kada ku lalata alamun yatsun mai laifi a kan tef, shiga cikin reshen banki ko wurin jama'a mai aminci, kuma ku kira 'yan sanda da bankin ku. Ɗaukar hoton tarkon da aka makala a na'ura da farko yana ba da hujjar ƙarfe ga jami'an binciken 'yan sanda da kuma sashen zamba na bankin ku.

Me yasa baƙon da ya shiga ɗakin ATM ɗin ya ce min "Latsa Cancel sau biyu sannan ka sake rubuta PIN"?

Wannan baƙon kusan shine mai laifi wanda ya shigar da Madauki na Lebanon a cikin ramin ATM mintuna 10 da suka gabata. Idan mai laifin ba su da lokaci don manna kyamarar pinhole sama da faifan maɓalli, suna buƙatar hanyar da za su koyi PIN ɗinka mai lamba 4 kafin ka daina yin tafiya. Ta hanyar zagawa cikin ɗakin ɗakin suna yin kamar wani abokin ciniki ne kuma suna gaya muku ƙaryar yarda ("Oh, wannan injin koyaushe yana tsayawa, kawai riƙe Cancel kuma sake rubuta PIN ɗin ku"), suna yaudarar ku don buga PIN ɗinku a bayyane yayin da suke kallon yatsun ku akan kafada.

Idan bankina ya musanta da'awar mayar da kuɗaɗe na yana cewa "An yi amfani da katin guntu na EMV na gaske da kuma PIN ɗin daidai, don haka dole ne ku"?

Kar a yarda da musun matakin farko mai sarrafa kansa. A ƙarƙashin Dokar Tarayyar Amurka / CFPB Regulation E (12 CFR § 1005.6) da dokokin UK/EU PSD2, amfani da guntu na EMV na gaske da PIN ɗin daidai baya tabbatar da cewa kun ba da izinin cirewa lokacin da aka sace katin ta tarkon ATM kuma an lalata PIN ɗin ta hanyar hawan igiyar ruwa ta kafada ko kyamarar fil. Shigar da rubutaccen roƙon da ke haɗa Lamba Rahoton Abubuwan da ya faru na 'yan sanda, buƙatar bankin ya ciro ginannen bidiyon kyamarar fascia na ATM daga tambarin cirewa na yaudara, kuma shigar da ƙara tare da CFPB (US), Ma'aikatar Ombudsman ta Kuɗi (Birtaniya), ko AFCA (Australia) idan bankin bai dawo da ma'auni a cikin kwanakin kasuwanci 10 ba.

Jagora masu alaƙa

Tushen da jagorar hukuma

  • Ƙungiyar Turai don Amintattun Ma'amaloli (EAST) & Cibiyar Kula da Laifukan Intanet ta Turai ta Europol (EC3): Rahotanni na Laifukan Ƙarshen Biyan Kuɗi na Turai - Hare-haren ATM na Jiki, Tarkon Kati (Madauki na Lebanon), da Nau'in Tarkon Kuɗi.
  • ** Ofishin Kariyar Kuɗi na Mabukaci (CFPB):** * Canja wurin Asusun Lantarki (Dokar E, 12 CFR Sashe na 1005) - Iyakar Lantarki na Abokin Ciniki don Cire ATM mara izini da Sharhin Ma'aikatan Hukuma akan Amintattun PINs*.
  • Ma'aikatar Sirrin Amurka (USSS) & Ofishin Bincike na Tarayya (FBI): Shawarwari na Hukumar Laifukan Kuɗi akan ATM Skimming, Fitar da Kamara ta Pinhole, da Duban Tambarin Jiki.
  • ** Associationungiyar Masana'antar ATM (ATMIA) & Diebold Nixdorf / NCR Shawarwari na Tsaro:** Kyawawan Ayyuka don Kariyar Katin Karatun Katin ATM na Jiki, Sensors-Trapping Cash, da Sanin Abokin Ciniki.
  • Hukumar Kula da Kuɗi ta Ƙasar Ingila (FCA) & Sabis na Masu Bayar da Agaji na Kuɗi (FOS): Cikakken Janyewar Cashpoint, Da'awar Na'urar Lup ta Lebanon, da Ƙa'idar Tsayawa Zamba 159 UK Banking Protocol.