Cire ATM na Tilas da Rayuwar Satar Na ɗan lokaci¶

Satar jama'a (wanda aka sani a duk faɗin Latin Amurka da secuestro exprés kuma a Afirka ta Kudu, Turai, da Arewacin Amurka azaman tilastawa sace ATM ko riƙe banki ta wayar hannu) babban laifi ne wanda ya haɗu da fashin titi da yin garkuwa na ɗan lokaci. Maimakon kawai a kwace jakar wanda aka azabtar da gudu, daya ko fiye da masu aikata laifuka dauke da makamai suna kama wanda aka azabtar a wani wurin ajiye kudi na atomatik (ATM), garejin ajiye motoci, rideshare/ dauko tasi, ko kusurwar titi sannan su rike wanda aka azabtar na tsawon mintuna 15 zuwa sa'o'i da yawa. A lokacin wannan taga, masu garkuwar ko dai su yi tafiya ko kuma su fitar da wanda aka azabtar daga ATM zuwa ATM don cire iyakokin yau da kullun, tilasta wa wanda aka azabtar ya buše wayar su tare da FaceID/TouchID ko lambar wucewa don aiwatar da canja wurin banki na abokan gaba (kamar PIX, Zelle, Revolut, ko musayar crypto), ko kuma riƙe wanda aka azabtar a cikin abin hawa da tsakar dare na biyu don saita kuɗin kuɗi na biyu. janyewa.

Tsira daga tilas a yi fashin ATM ko kuma sace-sacen da ake yi na buƙatar fahimtar matakai biyu na dabara. Na farko, kafin maharin ya shigar da ku cikin abin hawa ko rufaffiyar daki, babban fifikonku shine nisantar jigilar kaya ta hanyar jefar da walat ɗin ku, kuɗaɗen kuɗaɗe, ko makullin mota a ƙasa da tserewa a fage na farko na jama'a idan akwai tazara. Na biyu, ** idan an riga an kewaye ku, an kulle ku a cikin ɗakin ATM, ko kuma kuna riƙe da bindiga a cikin abin hawa mai motsi , rayuwarku ta dogara da ** aiki, kwanciyar hankali, bin bin doka: shawo kan masu garkuwa da mutane masu tayar da hankali cewa kuna ba su kuɗin da sauri da sauri don su sake ku ba tare da lahani ba, yayin da kuke guje wa intanet ɗinku ba tare da lahani ba. kashe.

Yi wannan yanzu¶

If an armed assailant confronts you at an ATM right now, demands your PIN and smartphone passcode, or forces you to withdraw cash or transfer funds, execute these six steps immediately:

1. Daga hannaye biyu da budaddiyar tafin hannu, ka runtse idonka kadan, sannan ka bayyana cewa za ka ba da hadin kai gaba daya: Ka rike hannunka a matakin kirji inda dan fashin zai iya ganin yatsunka, ka guji kallon idanunsu kai tsaye (don kada a zarge ka da haddar fuskarsu), sannan ka yi magana cikin nutsuwa, a hankali, tsayuwar murya: "Ba zan yi fada da ku ba, kuma wayar za ta iya yi min. a hankali."
2. ** Sanar da duk wani motsi na hannu KAFIN shiga cikin aljihu, jaka, ko jaket ***: 'Yan fashi da makami yayin rike ATM sun firgita da cewa kana neman bindigu da aka boye ko kunna maɓallin tsoro na 'yan sanda. Kafin ka matsa hannu zuwa ga wallet ɗinka ko wayar, ka ba da labarin yadda motsin yake da ƙarfi: "Wallet ɗina da katin zare kudi suna cikin aljihun wando na hagu na gaba. Zan shiga a hankali da yatsu biyu yanzu."
3. Bada PIN na ATM na gaske da lambar wucewar wayar hannu ta gaske nan take (KADA KA YI yunƙuri tatsuniyar Intanet ta "Reverse PIN" na karya): Idan ɗan fashin ya buƙaci PIN ɗinka ko ya umarce ka da ka rubuta shi cikin faifan maɓalli, ** Shigar da PIN ɗinka na gaskiya da tsafta a farkon gwadawa**. Kada a buga PIN ɗinka baya da fatan zai kira 'yan sanda cikin shiru (babu banki ko ATM network a duniya da ke da fasalin ƙararrawa na "reverse PIN"; shigar da PIN na baya kawai yana haifar da allon kuskuren "PIN da ba daidai ba" akan na'urar duba ATM, wanda ke tabbatar da ɗan fashi da makami cewa kana yi musu ƙarya kuma yana haifar da tashin hankali nan da nan).
4. If the robber only wants your wallet, cash, or phone on the street, toss it away from yourself and never enter a vehicle if you have an escape path: If an assailant on a sidewalk or parking lot demands that you get into a car to drive to an ATM, do not get into the vehicle if there is any way to run. Pull out your cash, cards, and phone, drop or toss them onto the pavement toward the attacker's feet, say "Here is my card and my PIN is [XXXX], take the car and everything," and sprint toward a crowded street, store, or traffic.
5. Idan an riga an kama ku a cikin abin hawa ko kuma an ɗauke ku zuwa na'urori masu ATM da yawa, ku zama garkuwar "Ƙananan Ƙwararra, Mai Girma": Idan kun riga kun makale a cikin mota tare da masu garkuwa da mutane, kada ku yi gardama, kada ku yi musu lacca, kuma kada ku yi ƙoƙarin ɓoye katin banki na biyu a cikin takalminku (idan sun bincika ku kuma sami katin ɓoye bayan kun ɗauka cewa ba ku da su). Nuna musu ainihin allon bankin ku na wayar hannu idan iyakar ku ta yau da kullun ta kai don su iya gani da idanunsu cewa tsarin banki, ba ku ba, yana hana ƙarin cirewa.
6. Keep your head down and walk away without looking back when released, then enter a staffed building to call emergency dispatch: When express kidnappers release a victim on a dark road or street corner, they always order the victim to keep their eyes on the ground and not turn around to read the license plate. Obey that instruction completely until the car is out of sight, then run inside the nearest staffed business or residence and call your local emergency number (911 in the United States and Canada, 112 across the European Union, 999 in the United Kingdom) or check our lambobin gaggawa directory.

Forced ATM robbery and express abduction survival decision tree¶

Use this tactical flowchart to navigate an armed confrontation at a cash machine, street holdup, or short-term vehicular abduction.

flowchart TD
    Encounter["Armed Assailant Confronts You at ATM, Parking Lot, or Rideshare/Taxi"] --> LocationType{"1. Where is the confrontation happening right now?"}
    LocationType -->|"A. At an ATM Walk-Up or Drive-Thru (Assailant Demands Cash/Card)"| ComplyATM["Raise Open Hands; Avert Direct Eye Contact; Narrate Reaching for Card; Enter REAL PIN Cleanly"]
    LocationType -->|"B. On Foot in Public & Assailant Orders You Into a Car to Drive to an ATM"| RefuseCar["NEVER Enter Vehicle if Escape Path Exists: Drop Wallet/Phone, State PIN Aloud, and Sprint to Crowd/Traffic"]
    LocationType -->|"C. Already Trapped Inside Moving Vehicle or Surrounded by Armed Crew"| HostageMode["Adopt Calm, Low-Friction Compliance: Keep Hands Visible on Knees; Speak Slowly; Never Argue"]
    ComplyATM --> CashOut["Withdraw Requested Cash; Hand Over Cash/Card/Phone Without Sudden Moves; Step Back and Let Them Flee"]
    HostageMode --> DemandType{"2. What is the abductor demanding inside the vehicle?"}
    DemandType -->|"ATM Cash Withdrawals"| ShowScreen["Give Real PIN; If Daily Limit Blocks Withdrawal, Show ATM Receipt or App Limit Screen So They Know You Are Not Lying"]
    DemandType -->|"Smartphone App Transfer (Zelle, PIX, Revolut, Crypto)"| UnlockApp["Unlock Phone Calmly; Explain Any Bank Security Delay Timer Clearly So Assailant Does Not Blame You"]
    ShowScreen --> ReleasePhase["3. During Release: Keep Eyes Down as Ordered; Do NOT Turn to Stare at License Plate Until Car Is Gone"]
    UnlockApp --> ReleasePhase
    CashOut --> SafeReport["Enter Staffed Building; Call 911 / 112 / 999 First, Then Call Bank Fraud Desk to Freeze Accounts"]
    RefuseCar --> SafeReport
    ReleasePhase --> SafeReport

How express kidnapping and forced mobile-banking robberies work globally¶

Understanding the criminal mechanics of short-term abductions helps you recognize the setup before you are cornered and understand what the perpetrators are trying to accomplish so you can survive the encounter.

Psychological and physical survival if held captive during an express abduction¶

If you are already inside a vehicle or held at gunpoint by express kidnappers, the first 3 minutes are the most volatile. Express kidnappers are almost always operating under extreme time pressure, paranoia of police patrols, and often stimulant intoxication. Follow these six behavioral rules taught by hostage survival specialists at the US Department of State Overseas Security Advisory Council (OSAC) and international police kidnapping units:

1. Project "Total Submissive Predictability" in the First 60 Seconds¶

• Keep your hands visible on top of your knees or thighs: If forced to sit on the back seat or floorboard of a vehicle, rest both hands palm-down or palm-up on top of your knees where the armed guard can see them without effort.
• Kada idanunku runtse (Dokar "Chin-Down, Eyes-on-Floor"): Masu satar ƙwararru da masu son yin garkuwa da mutane sun zama masu tashin hankali lokacin da suka yi imani cewa wanda aka yi garkuwa da shi yana kallon fuskarsa, jarfa, ko alamun titi a wajen tagar don tantance su ga 'yan sanda daga baya. Duba cikin nutsuwa ga allon ƙasa, baya na wurin zama na gaba, ko hannuwanku. Idan sun gaya maka ka ja murfin jaket ɗinka akan fuskarka ko sanya gilashin duhu, bi nan da nan.
• ** Sarrafa numfashin ku da sautin muryar ku ***: Firgita, kururuwa, ko iska mai karfin gaske na tayar da makamin dauke da bindiga santimita 30 (inci 12) daga kan ku. Yi numfashi na tsawon daƙiƙa 4 ta hancinka kuma fitar da numfashi a hankali na tsawon daƙiƙa 6 ta bakinka, kuma ka amsa kowace tambaya cikin nutsuwa, girmamawa, taƙaitacciyar murya.
• **Ka haddace alamomin hankali ba tare da motsa kai ba ***: Yayin da kake kafe idanunku akan gwiwoyinku ko allon bene, zaku iya lura da alamun gani marasa gani waɗanda ke taimaka wa 'yan sanda bin diddigin masu garkuwar bayan an sake ku: ƙirar abin hawa da launi na ciki na kayan abin hawa, ko motar tana da jagora ko watsawa ta atomatik, tashoshin rediyo ko aika sautin ƙararrawa, canjin bangon dutse, canje-canjen filin jirgin ƙasa, canje-canjen filin jirgin ƙasa, canjin dutsen dutsen hanya, canjin dutsen dutsen hanya, canjin dutsen dutsen dutse, canjin dutsen dutsen hanya, canjin dutsen dutsen dutsen dutse, canjin dutsen dutsen hanya, canjin dutsen dutsen dutsen dutsen dutse. karrarawa-booth), sunayen laƙabi ko lafuzzan da ma'aikatan jirgin ke amfani da su, da ainihin tambarin agogon ATM lokacin da aka cire kudi.

2. Yadda Ake Ma'amala da "Iyakar Kullum" ko "Rashin Wadatar Kudade" Ba tare da Zagin Karya ba.¶

Daya daga cikin mafi hatsari lokacin da aka yi garkuwa da su na faruwa ne lokacin da masu garkuwar suka bukaci dala 5,000 daga ATM, ka ba su katin zare kudi da PIN na gaskiya, sannan ATM din ya ki cire kudi saboda katin naka yana da iyakacin cire kudi na ATM $500 kullum** ko kuma $300 kacal a cikin asusun dubawa. Masu aikata laifuka suna yawan ɗaukan wanda aka azabtar ya ba su PIN na bogi ko yana ɓoye babban katin banki.

Yi amfani da ** Hujja ta Kayayyakin gani *** don tabbatar da cewa kuna faɗin gaskiya:

1. Ka yi musu gargaɗi game da iyakacin injina na banki KAFIN katin ya shiga ATM:
2. A hankali ka ce: "PIN dina [1234] ne. Domin ka sani kafin ka saka katin, bankina ya saita iyakacin na'ura ta atomatik na $500 a kowace rana akan wannan katin zare kudi, kuma akwai kusan $1,200 a cikin asusun dubawa. Ina so ka samu duka, don haka idan na'urar ta ƙi $1,000, gwada $ 500 ko $ 400."
3. Gargaɗi mai ɗaukar hoto kafin ATM ɗin ya haska "An ƙi ciniki" yana tabbatar da cewa kuna horar da su don yin nasara maimakon yaudararsu.
4. Yi tayi don nuna bugu na bugu na binciken ma'auni na ATM ko allon banki ta hannu:
5. Idan masu garkuwar sun yi zargin cewa kuna da ƙarin kuɗi a ɓoye a cikin asusun, ku ce: "Za ku iya danna 'Balance Inquiry' akan allon ATM ko ku duba nan a allon app na banki don ku iya ganin ma'auni daidai kuma katin yau da kullun yana iyakance kanku."
6. Kada ku taɓa ɓoye walat na biyu ko waya mai ƙima idan sun tambayi idan kuna da wani abu dabam:
7. Yayin ɗaukar “wallet ɗin lalata” mara iyaka yana aiki da kyau a cikin ɓangarorin titi na daƙiƙa 10 inda mugger ɗin ya kama walat ɗin ya gudu, yayin yin garkuwa na tsawon mintuna 60 a cikin mota, masu garkuwar za su fashe aljihun ku, rigar jaket, ƙafafu, da jaka. Idan ka mika wallet ɗin yaudara kuma suka sami ainihin walat ɗinka ko wayar bayan mintuna uku yayin faɗuwa, za su hukunta ka don yaudarar su. Idan aka bincika a cikin abin hawa, ba da komai da tsabta kuma ka bayyana wane kati yake da kuɗi.

3. Idan Aka Tilasta Kiran Dan Iyali Don Canjawar "Express Ransom".¶

A wasu sace-sacen mutane, idan katin ATM na wanda aka azabtar yana da ƙarancin iyaka, masu garkuwar suna gaya wa wanda aka azabtar ya kira abokin aure, iyaye, ko abokin kasuwanci ta wayar lasifikar don waya ko aika $ 1,000 zuwa $ 5,000 cikin sa'a guda.

• Ki kwantar da hankalin danginki ta waya: Ku yi magana a fili kuma a daidaita ga mijinki ko iyayenki: *"Ku saurare ni da kyau kuma ku natsu, ina cikin koshin lafiya a yanzu, kuma ina bukatar ku yi transfer [Amount] zuwa [Account] nan take don in dawo gida, don Allah ku yi daidai abin da suka nema kada ku yi gardama."
• Bi rubutun masu kama: Kada ku taɓa yin ƙoƙarin faɗin fitattun kalmomi na wasan kwaikwayo idan mai ɗaukar hoto yana riƙe da wayar a bakinku yana sauraron kowane saƙo.

4. Lokacin Sakin: Gujewa Rauni a cikin Daƙiƙa 30 na Ƙarshe¶

Bisa kididdigar kididdigar, yawancin sace-sacen jama'a sun ƙare tare da sauke wanda aka azabtar ba tare da lahani ba a kan hanya mai duhu, wurin shakatawa na masana'antu, ko kafadar babbar hanya da zarar katunan ATM da aikace-aikacen banki sun ƙare.

1. Fita daga cikin abin hawa a hankali tare da ganin hannayenku: Kada ku kulle ko murfi kofa kafin su ce ku tafi.
2. Bi umarnin "Tafiya zuwa bango kuma ku ƙidaya zuwa 50": Masu satar kusan ko da yaushe suna cewa: *"Fita, ku fuskanci bangon / shiga cikin waɗannan bishiyoyi, ku sa idanunku a ƙasa, kuma kada ku juya na minti biyu." a firgice mai kamawa ya harba harbin rabuwa da taga.
3. ** Jira har sai kun ji motar ta yi sauri gaba ɗaya daga kunnen kunne **, sannan kuyi tafiya da sauri zuwa tashar gas mai haske mafi kusa, otal, kantin awa 24, ko gida mai fitilu don kiran 911/112/999.

Rikicin ATM ɗin tuƙi da tarko na ATM masu tafiya¶

Ko kuna amfani da ATM ɗin tuƙi daga wurin zama ko shiga cikin ATM ɗin banki na cikin gida, masu laifi suna amfani da takamaiman wuraren makafi a cikin daƙiƙa 45 lokacin da idanunku suka kafe akan allon haske.

Yadda ake amfani da ATM ɗin Drive-Thru ba tare da yin dambe ba¶

Yawancin ATMs masu tuƙi suna kewaye da manyan bola na siminti, kunkuntar hanyoyin hana ruwa, da kuma gine-ginen gine-gine waɗanda ke sauƙaƙa wa ɗan fashi a ƙafa ko a cikin abin hawa na biyu don kama motarka daidai yayin da mai ba da kuɗi ke cewa:

1. Ka duba tsibirin ATM da madubin gefe KAFIN a ja cikin siminti: Idan ka ga mai tafiya a ƙasa yana yawo a kusa da kusurwar ATM ko kuma yana zaune a kan titi ba tare da mota ba, ko motar da ke cikin duhun ɗakin bankin tare da mazauna da yawa suna kallon layin, ** kar a shiga cikin titin tuki **. Ci gaba da tuƙi zuwa kantin kayan miya ko reshen rana.
2. **Shirya katin ku a hannunku KAFIN ku kusanci na'ura ***: Kada ku taɓa sama zuwa taga ATM, matsawa cikin Park, kuma ku ciyar da daƙiƙa 60 ta cikin jakar ku ko na'ura mai kwakwalwa tare da ƙasa. Sanya katin ku a hannun hagu kafin ku shiga layin.
3. ** Kiyaye watsawar ku a cikin DRIVE tare da ƙafar ƙafar ƙafa akan fedal ɗin birki ***: Kada ku taɓa motsi motar ku zuwa ** Park *** a ATM mai tuki. Tsayawa watsawa a cikin Drive tare da kulle kofofinku kuma tagogin fasinja sun birgima gaba ɗaya yana nufin cewa idan wani ya fita daga bayan ATM bollard tare da makami, kawai dole ne ku ɗaga ƙafarku daga birki kuma danna totur don fitar da kai tsaye daga cikin chute (barin katin zare kudi na $3 a cikin injin).
4. **Jawo kawai kusa don isa tare da hannun hagu, barin barin tuƙi ***: Kada ku rungumi bollard ɗin kankare sosai har madubin gefenku ya kai santimita 2 daga bango; bar santimita 45 (inci 18) na sarari na gefe kuma kiyaye hancin motarka daga kowane abin hawa na gaba.

Yadda ake amfani da Walk-Up ko Rufewa ATM ATM lafiya¶

1. Dokar "Vestbule Mutum Biyu": Katafaren banki na gilashin da ke buƙatar swipe na kati don buɗe ƙofar waje suna ba da ma'anar tsaro ta ƙarya saboda duk wani mai laifi yana riƙe da katin banki da ya ƙare, katin kyauta tare da ɗigon maganadisu, ko kawai kama kofa a bayansa za ku iya shiga daidai. Idan kuna cikin rumbun ATM ɗin da ke rufe shi kaɗai, baƙon ya danna maɓallin C a bayan ku. nan take** sai ki mayar da katin ki cikin aljihun ki, sai ki ce "ci gaba, inji duk naki ne," sannan ki fito kai tsaye bakin titi kafin ki buga PIN dinki.
2. **Duba Ramin Katin da faifan maɓalli don Skimmers da Shimmers ***: Kafin zame katin ku a cikin kowane ATM, ɗauki robobin robobin koren katin karantawa ko azurfa tare da babban yatsan yatsan hannu da maƙasudi sannan ku ba shi tsayin daka. Wani halaltaccen ramin katin banki yana toshewa da ƙarfi zuwa ƙashin ƙarfe; mai laifi ** skimmer na katin ** manne akan ramin zai yi murzawa ko tashi a hannunka, kuma ana buga sandar kyamarar fil na karya a saman allo don yin rikodin yatsunka suna buga PIN naka. A duk lokacin da akwai, yi amfani da ** Alamar Taɓa NFC mara lamba ** (taɓawa katin jikin ku ko wayar Apple/Google Pay akan mai karanta NFC) maimakon saka katin ku na zahiri a cikin ramin injin, wanda ke sa na'ura ko skimmer ba zai iya hadiye ko rufe katin ku ba.

Pre-tafiya na dijital da na kuɗi ("Bayyana Tabbatar da Satar Mutane")¶

Idan kana zaune, aiki a ciki, ko tafiya zuwa manyan biranen birni, musamman a yankunan da ke da hauhawar fashin ATM, sace-sacen waya, ko bayyana sace-sacen jama'a, za ka iya saita asusun wayar hannu da asusun banki a cikin mintuna 15 a gida ta yadda ko da an yi maka fashi kuma an tilasta maka buše wayarka da katin zare kudi a gun, ** kashi 95 cikin 100 na rayuwarka ba za a iya gani ba.

Matakai 5 "Tsaftace Wayar Titin & Asusun Vault" Saita¶

• **1. Raba Kuɗin ku zuwa "Asusun Duba Titin" da "Asusun Tattalin Arziki/Mallaka" na Boye
• Bude asusun dubawa mai sauƙi, kyauta a wani banki daban (ko ƙaramin asusun na biyu wanda za'a iya ɓoye daga dashboard ɗin wayar hannu) kuma adana kawai $ 300 zuwa $ 800 a cikin wannan "Asusun Titin," mai alaƙa da katin zari ɗaya na zahiri da kuke ɗauka a cikin walat ɗin ku.
• Ajiye babban tanadin rayuwar ku, asusun gaggawa, biyan kuɗi na gida, da asusun saka hannun jari a ** cibiyoyi daban-daban na kuɗi ** wanda katunan zare kudi suna kulle a cikin aminci a gida da ** wanda ba'a shigar da app ɗin wayar hannu akan wayoyinku na yau da kullun** (shigar da babban bankin ku kawai daga kwamfutar tafi-da-gidanka ko kwamfutar hannu da aka ajiye a gida).
• Me yasa wannan ba gaskiya bane: Idan mai garkuwa ya tilasta maka ka buše wayarka da bindiga kuma ya buɗe app ɗinka na banki, suna ganin ainihin asusun ajiyar kuɗi na gaske mai $ 650 a ciki kuma babu ambaton babban bankin ku na ajiya. Ko da sun duba imel ɗin ku ko saƙon rubutu, share tsoffin imel / faɗakarwar SMS da ke ambaton bankin ku.
• **2. Kunna "Kariyar Na'urar Sata" (iPhone iOS 17.3+) da Makullin App na Biometric (Android)*:
• A kan iPhone: Je zuwa ** Saituna> ID na Fuskar & Lambar wucewa> Kariyar Na'urar da aka sace** kuma kunna shi ** ON** (saita zuwa “Koyaushe” lokacin tafiya). Wannan yana ƙara jinkirin tsaro na awa 1 na tilas ** da kuma na biyu na binciken biometric idan wani ya yi ƙoƙarin canza kalmar sirri ta Apple ID, kashe Nemo Na, ko share maɓallan tsaro daga gida.
• Akan Android: Kunna ** Kulle Gane Sata, Kulle Na'urar Aiki, da Wuraren Keɓaɓɓe** a cikin ** Saituna> Tsaro & Sirri** don haka ana ɓoye ƙa'idodi masu mahimmanci a cikin wani akwati daban wanda baya bayyana akan babban aljihun tebur ɗin ku.
• **3. Rage ATM ɗinku na yau da kullun & Iyakan Canja wurin Nan take a cikin App na Bankin ku ***:
• Kasashe da yawa (misali, dokokin Babban Bankin Brazil na PIX, aikace-aikacen banki na Burtaniya, da dashboards na banki na Amurka) suna ba ku damar saita al'ada ** Iyakan Canja wurin dare ** (misali, capping canja wuri tsakanin 8:00 PM da 6:00 AM a $200) da kuma al'ada kullum cire ATM iyaka.
• **4. Dokokin Fadakarwa da ATM Vestibule ***:
• Ayi amfani da ATMs kawai dake CIKI Buɗaɗɗen kasuwanci (kamar a cikin reshen banki na ma'aikata da rana, a cikin babban kanti mai aiki, ko cikin ɗakin otal), kuma kar a taɓa yin amfani da ATM ɗin tafiya mai fuskantar titi ko kayan gilashin da ke rufe da daddare.
• Rufe faifan maɓalli da hannunku na kyauta duk lokacin da kuka buga PIN ɗinku don toshe kyamarorin pinhole da masu kallon kafada.
• ** Sanya tsabar kuɗin ku a cikin aljihun ku KAFIN kirga shi** kuma ku tashi nan da nan daga na'urar; kar a taɓa tsayawa akan titi yana ƙirga dala $20 a hannunku.

Abin da za a yi a cikin minti 30 na farko bayan tserewa ko aka sake shi¶

Da zarar kun kasance cikin aminci a cikin ginin ma'aikata tare da 'yan sanda a kan hanya:

1. Kira 911/112/999 farko: Ba wa mai aikawa da sako wurin da kake da lafiya a halin yanzu, ainihin wurin da lokacin da aka sace ka, wuraren kowane ATM da aka kai ka (kowane ATM yana da kyamarorin fuska masu tsayi masu tsayi da kyamarori na waje da ke kama wadanda suka sace da abin hawa), da bayanin wadanda ake zargi da abin hawa.
2. Kira Babban Bankin ku na Sa'o'i 24 na Zamba da Layin Gaggawa nan take:
3. Faɗa wa wakilin bankin a sarari: "Ni kaɗai ne aka yi mini garkuwa da muƙami / fashin ATM na tilas a ƙarƙashin turɓaya. Da fatan za a daskare duk asusuna, katunana, da hanyar shiga banki ta kan layi nan da nan, kuma a nuna duk cirewar ATM da musayar waya/P2P tsakanin [Fara Lokaci] da [Ƙarshen Lokaci] a matsayin Zamba."
4. Sami cikakken rahoton 'Yan sanda / Lamba Tunanin Laifuka* sannan a mika shi ga sashin binciken zamba na bankin ku. Ƙarƙashin ƙa'idodin banki na mabukaci a mafi yawan hukunce-hukuncen (kamar Dokar E na Dokar Canja wurin Asusun Lantarki a Amurka, Dokokin Sabis na Biyan Kuɗi na Burtaniya, da Tsarin EU PSD2), Canje-canjen asusun lantarki mara izini, gami da ma'amaloli inda aka tilasta wa mabukaci a wurin bindiga ko wurin wuƙa don ba da kati ko shigar da PIN a ƙarƙashin tursasawa, sun cancanci a tuhume su da laifin zamba ta gaggawa lokacin da 'yan sanda suka yi masa ramuwar gayya.
5. *Kulle katin SIM ɗinku kuma canza kalmar sirri ta asusun daga kwamfuta mai tsafta : Idan masu garkuwar suka ɗauki wayarku, tambayi mai ɗaukar wayarku don ** daskare lambar wayarku / eSIM nan take don haka barayin ba za su iya karɓar lambobin SMS 2FA ba don sake saita imel ɗin imel ko kalmomin shiga na banki, kuma sanya wayar a cikin ** Lost Mode ta iCloud ko Google Nemo Na'urara.

Tambayoyin da ake yawan yi¶

Shin da gaske buga ATM PIN dina baya kiran 'yan sanda shiru idan ana yi min fashi?¶

A'a, dabarar "reverse PIN" cikakkiyar tatsuniya ce ta intanet wacce babu ita a kowane banki ko hanyar ATM a ko'ina cikin duniya. Ko da yake wani mai ƙirƙira ya ƙirƙira manufar a cikin 1990s, masu kula da harkokin banki da jami'an tsaro sun ƙi shi saboda matsananciyar wahala suna yin typos na faifan maɓalli, palindromic PINs (kamar 2552) iri ɗaya ne a baya, kuma jiran 'yan sanda a ATM zai yi garkuwa da masu garkuwa. Idan dan fashi da makami ya tilasta maka shigar da PIN naka a na’urar ATM sai ka rubuta shi a baya, sai kawai na’urar za ta yi kara ta nuna “Incorrect PIN,” wanda hakan ya tabbatar wa ‘yan fashin da makamin karya cewa kana yi musu karya da kuma jefa rayuwarka cikin hadari. Koyaushe rubuta ainihin PIN ɗin ku cikin tsafta a ƙarƙashin tursasawa da makamai, kuma bari 'yan sanda da sashen zamba na bankin ku dawo da kuɗin da zarar kun tsira.

Menene zan yi idan ɗan fashi da makami a kan titi ko a wurin ajiye motoci ya umarce ni da in shiga mota in tuƙa zuwa ATM?¶

Idan har yanzu kuna waje akan titi, titin titi, ko filin ajiye motoci kuma kuna da kowace hanya ta zahiri don gudu, kada ku shiga cikin abin hawa tare da maharin da makamai. Da zarar kun shiga cikin mota mai motsi tare da kulle kofofin, wanda ya sace yana da cikakken iko akan ku na sa'o'i kuma zai iya kai ku zuwa wani keɓantaccen wuri na sakandare. Maimakon haka, ciro walat ɗin ku, katunan zare kudi, da wayar, ku jefa su ƙasa zuwa ƙafafuwan maharin, ku yi tsawa a fili: "Ga katina kuma PIN na [XXXX] ne, ɗauki komai," kuma nan da nan ya zagaya zuwa wani kantin cike da cunkoson jama'a, titi mai cike da cunkoso, ko zirga-zirgar zirga-zirgar da ke zuwa yayin ihun "WUTA."

Ta yaya zan shawo kan masu garkuwa da mutane ba na ƙarya ba idan katin ATM dina ya ƙi cire kudi mai yawa saboda iyaka na yau da kullun?¶

Hanya mafi aminci ita ce fayyace fayyace kafin cinikin ya faskara: gaya wa waɗanda suka sace PIN ɗin ku na ainihi kuma ku faɗakar da su a gaba menene iyakacin injin ATM na banki na yau da kullun shine (misali, "PIN nawa 4812 ne, kuma na'urar cire mashinan banki na akan $500 kowace rana, don haka da fatan za a rubuta $500 don kada injin ɗin ya ƙi"). Idan na'urar ta ƙi ƙididdige adadin da ya fi girma, ba da izinin buga takardar neman ma'auni ko nuna musu allon aikace-aikacen banki ta hannu don su iya gani da idanunsu cewa iyakar kwamfutar bankin, maimakon yaudara daga ɓangaren ku, yana hana cirewa.

Ta yaya zan iya kare ajiyar rayuwata kafin tafiya ko tafiya a wani yanki da aka tilasta wa fashin banki na wayar hannu?¶

Kafa tsarin raba banki biyu kafin barin gida: ɗauki katin zare kudi guda ɗaya da ke da alaƙa da "Asusun Duba Titin" wanda ke ɗaukar $300 zuwa $800 kawai, kuma adana wannan app ɗin banki kawai akan wayoyinku na yau da kullun. Ajiye babban tanadin rayuwar ku, asusun gaggawa, da saka hannun jari a keɓantaccen "Bankin Vault" wanda katunansa ke kulle a gida kuma wanda app ɗin wayar hannu ya goge gaba ɗaya daga wayoyinku gaba ɗaya. Idan an tilasta muku buše wayarka da bindiga, ɗan fashin yana ganin asusun titin ku mai ƙarancin ma'auni ne kawai yayin da ainihin ajiyar ku ya kasance marar ganuwa kuma ba za a iya kaiwa ba.

An duba tushe¶

• Ma'aikatar Harkokin Wajen Amurka, Majalisar Ba da Shawarwari ta Tsaro ta Ketare (OSAC) da Hukumar Tsaro ta Diflomasiya (DSS, Amurka): Ka'idojin Satar Jama'a ("Secuestro Exprés") Ka'idojin Tsira, Tsaron ATM A Waje, da Ka'idojin Yin garkuwa da mutane.
• ** Ofishin Bincike na Tarayya (FBI) da Hukumar Ciniki ta Tarayya (FTC, Amurka) **: * Rigakafin fashin ATM, Dokar Canja wurin Asusun Lantarki (Dokar E) Kariya, da Ƙarfafa Tatsuniya ta Reverse-PIN.
• ** Cibiyar Bayar da Hatsarin Bankin Afirka ta Kudu (SABRIC) da Sabis na 'Yan sanda na Afirka ta Kudu (SAPS)**: Kariyar Laifukan ATM, Tilasta Ma'ajin Satar Banki na Wayar hannu, da Ka'idojin Iyakar Dijital.
• Majalisar Shugabannin 'Yan Sanda ta Kasa (NPCC) da Kudi ta Burtaniya (United Kingdom): Fashi Titin, Tilasta Buɗe Wayar Wayar Hannu, da Ka'idodin Biyan Kuɗi na Abokin Ciniki na Banki.
• Bankin Cigaban Ƙasar Amirka (IDB) da Ofishin Majalisar Dinkin Duniya kan Magunguna da Laifuka (UNODC)*: Manual Mafi kyawun Ayyuka na Ƙaddamar da Satar Mutane: Sace na ɗan gajeren lokaci da Ƙarfafa Satar Satar Jama'a.

Jagora masu alaƙa¶

• Yin garkuwa da garkuwa da garkuwa da mutane
• Fashi da tsira
• Kariyar satar mota: wayar da kan al'amura, dabarun tsira, da ka'idojin cire yara
• Rideshare mara lafiya ko direban tasi ya tsere
• Almubazzaranci, baƙar fata, da zamba na satar fansa
• Jagorar lambobin gaggawa