ATM Yagumye Ikarita Yawe Canke Yakuye Kuri Konti Yawe Ata Mahera¶

Guhagarara imbere y’imashini y’ugukura amahera (ATM) iherutse kumira ikarita yawe y’ideni ikayisubiza, canke kuraba porogarama yawe yo kuri telefone ngendanwa ikura amadolari 400 ku giciro cawe c’amahera mu gihe igipfukisho c’amahera kiguma gifunze kandi kidatanga amafaranga, ni ingorane ikomeye cane y’ivy’ubutunzi n’umutekano. Ikibi kuruta, "ikarita ifashe" ku nzira canke ku kibanza co gukurako amavuta y'imodoka, kenshi na kenshi ntabwo ari ikibazo c'ubuhinga na gato, ahubwo ni umugizi wa nabi akora Card-Trapping Attack ("Lebanese Loop") aho umusuma ahagaze ku metero zitandatu arindiriye ko ugenda mu gushavura kugira ngo bashobore gukura imodoka yawe.

Ntuce ugenda uva kuri ATM ubwo nyene, ntukemere imfashanyo y’umunyamahanga uwo ari we wese w’umugenzi agenda inyuma yawe, kandi ntukubite canke ngo ushire igipfukisho c’amahera n’ibikoresho vy’ivyuma. Kurikiza iyi nzira y’umutekano y’umunota ku munota, gufata ibimenyamenya vy’ubuhinga bwa none, n’ubutegetsi bwa Leta Zunze Ubumwe za Amerika bwo gufata inguzanyo y’agateganyo amafaranga yawe yabuze.

Ivyo ubikore ubu¶

1. Guma uhagaze imbere y'ibarabara rya ATM maze UFUNGA canke UFUNGA ikarita yawe imbere muri app yawe ya banki imbere y'uko utera intambwe imwe. Iyo umugizi wa nabi ashizeho igikoresho co gufata ikarita ("Lebanese Loop") imbere mu gitereko maze akandika PIN yawe n'icamera y'ibara ry'agahama, igihe imodoka yawe igenda hejuru, akureho igipfukisho canyegejwe gifise ikarita yawe imbere, hanyuma akureho umupaka wawe w’umusi mu masegonda 30. Ugurure app yawe ya banki nyene ku mashine maze uhindure "Lock / Freeze Card" ku ON (canke uhamagare inomero y'ubuhendanyi ya banki 24/7 kuri telefone yawe uhagaze ku gicapo).
2. Wanke imfashanyo yose iva ku muntu wese akwegera ku mashine. Mu mutego wa ATM uhujwe, umugenzi wawe akenshi ahagarara mu murongo inyuma yawe akakubwira ati, "Ivyo vyaranshikiye ejo, gusa wongere wandike PIN yawe mu gihe ufashe buto ya Cancel maze irasohoka ubwo nyene." **Ntuzosubire kwinjira muri PIN yawe imbere. PIN kugira ngo bashobore gukoresha ikarita yawe yafunzwe igihe uzoba uriko urasohoka.
3. Fyonda kandi ufate umutuku CANCEL buto mu masegonda 10, hanyuma urindire iminota 3 yuzuye kugira ngo ubuhinga busubire gukora. Nimba ugufata ikarita kwatewe n’uguhera kw’igihe c’agateganyo kw’urubuga canke ukunyerera kw’uruzitiro rw’imoteri rukonje (aho gufata umutego w’umunyaruyeri), gufata . CANCEL canke kurindira amasegonda 120 gushika ku 180 kugira ngo igihe co gucungera igihe c’i ATM gisubire gukora, kenshi bituma iyo mashini izunguruka igikoresho cayo co gusoma amakarata maze igaca amacandwe ikarata.
4. Fata amafoto y’ibice 5 vy’ubuhinga bwa none kuri telefone yawe imbere y’uko usohoka muri iyo mashini. Nimba ATM yakuye amahera kuri konti yawe ata mafaranga (canke yatanze amahera y’igice), fata amafoto agaragara neza: (1) Inomero y’Indangamuntu ya ATM iri ku ruhande rw’imbere, (2) urupapuro urwo ari rwo rwose rwacapuwe ipssa rece) umunota n’isegonda nyavyo ku kidodo c’isaha ca telefone yawe (kugira ngo banki ishobore gukuraho Electronic Journal [EJ] kaseti yo mu mutima n’amasanamu y’amasanamu y’umutekano), (4) igipfukisho c’amahera (kugenzura ko ata n’isahani y’ikinyoma y’umukiriya w’umukoresha), na (5) **nomero2 y’umukiriya wa telefone
5. **Suzuma neza aho amafaranga ashirwa n'igikoresho co gusoma ikarita (ata n'intoke zishizwemwo) kugira ngo ubone ko ata "Cash Trap" canke "Lebanese Loop." Raba urugi rwo gusohokamwo amahera kugira ngo urabe nimba hariho umugozi w’ipulasitike canke w’icuma w’ikinyoma ushizweko amabara ku nzira; iyo ubonye igikoresho co gucapura/gufata abagizi ba nabi gifatanye n’i ATM, hamagara abapolisi (911 muri Amerika/Canada, 112 muri EU, 999 mu Bwongereza; raba inomero z'ivyihutirwa) mu gihe yari ahagaze iruhande y’iyo mashini.
6. Shira Itegeko E Itangazo ry’Ikosa ry’Itegeko ryawe kuri banki yawe iguha ikarita (SI nyen’iduka canke uwukoresha ATM gusa) mu masaha 24. Naho woba wakoresheje ATM y’iduka ry’ibintu vy’agaciro iri hanze y’urubuga, banki yawe bwite iguha ikarita ni yo ifise inshingano itegekanijwe n’amategeko ya Leta Zunze Ubumwe za Amerika (EFR§gu). 1005.11**, n’amategeko angana n’ayo mu Bwongereza/Ubumwe bw’Uburayi) kugira ngo ukore itohoza kandi ushire amahera kuri konti yawe mu misi 10 y’akazi.

flowchart TD
    A["Ikibazo ca ATM: Ikarita iramirwa CANKE Konti irakurwako amahera zero/igice"] --> B{"Ni ukunanirwa ukuhe kwabaye?"}
    B -->|"Ivyihutirwa 1: ATM yagumye canke yamira ikarita yawe y'ideni"| C["GUMA ku rubuga: Gufunga/Funga ikarita muri porogarama ya banki y'amatelefone ngendanwa ubwo nyene"]
    B -->|"Ivyihutirwa 2: Konti yarakuweko ($ yarakuweko) ariko $0 canke igice c’amahera carasohotse"| D["NTUGENDA: Rindira amasegonda 90 kugira ngo ubone nimba Auto-Reversal ivyuka kuri app yawe"]
    C --> E["Wanka umunyamahanga wese akubwira ngo wongere wandike PIN yawe; kanda CANCEL mu masegonda 10 hanyuma urindire iminota 3"]
    E --> F{"Raba neza aho ikarata iri: Woba ubona uruzitiro rudakomeye, uruzitiro rwa filime canke uruzitiro rw’ibara ry’agahama?"}
    F -->|"Ego: Umutego w'ikarata y'ubugizi bwa nabi (Igihugu ca Libani)"| G["Gumana ikarita ikonjeje/isubiwemwo; hamagara Polisi (911/112/999) uri ku giciro c’amahera; ntuzosubire gukoresha iyo PIN"]
    F -->|"Oya: Ugufata kwa banki kwemewe (kwaheze, PIN 3 zitari zo, canke uguhagarara)"| H["Gukuraho ikarita ubuziraherezo no gusaba gusubirwamwo (mbere n'amashami ya banki aramenagura ikarita yafashwe)"]
    D --> I["Suzuma igipfukisho c'amahera kugira ngo ubone umurongo w'amahera w'ikinyoma"]
    I --> J["Fata amafoto 5 y'ubuhinga bwa none: ID ya ATM Terminal #, ikimenyetso c'uko wakiriye, igicapo, igipfukisho c'amahera, n'ikidodo nyaco c'isaha"]
    J --> K["Hamagara banki YAWE iguha ikarita uno musi: shira dosiye itegeko E Ikosa ryo gutanga ikarita muri ATM"]

Ivyihutirwa 1: ATM yamize ikarita yawe y'ideni canke y'inguzanyo¶

Iyo ATM ikwegeye ikarita yawe ikoreshwa n’imoteri imbere mu gice co gusomeramwo maze ikanka kuyisohora, hariho ibintu bibiri gusa: canke mudasobwa yo mu mutima ya ATM yafashe ikarita n’ibigirankana mu cuma cayo co mu mutima Retain Bin, canke umugizi wa nabi yashizeko **ice.lot y’umubiri the Devro th

Gufata amashini/banki vyemewe n'umutego w'ikarita y'ubugizi bwa nabi "Libanese Loop"¶

Koresha iyi mbonerahamwe y’ukugereranya igihe uhagaze ku mashini kugira ngo umenye nimba uriko urakorana n’ikosa rya banki canke impeta y’ubusuma ikora:

Uko woronka amafaranga y'ivyihutirwa no kwishura amafaranga uno musi inyuma y'aho ATM iriye ikarita yawe¶

Iyo umaze gufunga no gusubirira ubudasiba ikarita yamize muri app yawe ya banki, nti ubwirizwa kurindira imisi 5 gushika kuri 7 y’akazi mu mail kugira ngo ubone amahera yawe. Koresha izi nzira zine zo gutorera umuti amahera ata karata:

1. Ugutanga igikapu c'amahera (Apple Pay / Google / Samsung Pay):
2. Iyo ukanda kuri "Subiriza ikarita yazimiye canke yononekaye" imbere muri app y'amatelefone ngendanwa y'amabanki akomeye hafi yose (Chase, Banki ya Amerika, Wells Fargo, Citi, Capital One, Barclays, Lloyds, RBC, TD, CommBank), banki iratanga **inomero yawe nshasha y'ikarita y'imirongo 16 imbere y'uko telefone yawe nshasha y'imibare 16 iba ku ruhande rw'ikarita yawe y'imirongo 16 ubwo nyene icapwe.
3. Tambuka uja ku Contactless (NFC) ATM (rondera ikimenyetso c’umuvuduko wa Wi-Fi udakora ku ruhande kiri iruhande y’igikoresho co gusoma ikarita), ushireko telefone yawe canke isaha yawe y’ubwenge ku gisomwa ca NFC, winjize PIN yawe, hanyuma ukure amahera ufise ikarita y’umubiri ataco ikora.
4. Ikode yo gukura amahera muri ATM ata ikarita (Kode ya QR / Kode yo gukoresha igihe kimwe):
5. Amaporogarama menshi yo muri banki arafise ubuto "Cardless Cash" canke "Mobile Cash Access" butanga kode y'imirongo 8 canke kode ya QR y'igihe gito ku gicapo ca telefone yawe nziza iminota 30 ku ma ATM yose yo muri banki.
6. Genda Imbere mw'Ishami Ryose Ufise Indangamuntu y'Ifoto (canke Igenzura rya Kabiri) kugira ngo Ubone Amahera y'Igihugu n'Ikarita y'Igihugu:
7. Nimba ari mu masaha y’akazi ka banki, genda ugende ku muntu atanga amahera imbere mw’ishami iryo ari ryo ryose rya banki yawe. Amashami menshi afise igikoresho co ku biro Instant Card Embosser gicapura ikarita nshasha y’amahera ikora mu minota 3. (Nimba ATM yamize igikapu cawe cose canke indangamuntu yawe na yo nyene ikabura, raba uburongozi bwacu kuri yatakaje igikapu n'indangamuntu yibwe ku buryo bwo gukura amafaranga y'ibarabara ukoresheje ubuhinga bwa kabiri bwo kugenzura biometric/konti.)
8. Ukwimurira amahera canke gusubiza amahera ku gitabu c'isoko ryinshi:
9. Koresha ikarita yawe nshasha ya Apple Pay / Google Wallet ku iduka ryose ry'ibifungurwa, ku farumasi, canke ku nzira y'ugusohora amahera kugira ngo ugure ipaki y'amadolari 1 y'ibitoke ukoresheje Tap-to-Pay maze uhitemwo "amadolari 40 gushika ku madolari 100 y'amahera yo gusubizwa" kuri pinpad, canke wohereze amahera kuri Zelle bashobora gukura amahera ku ikarita yabo.

Ivyihutirwa 2: ATM yakuye amahera kuri konti yawe ya banki ariko itanga amahera ZERO (canke amahera makeyi)¶

Ibihe bikeyi biratera umubabaro kuruta gusaba amadolari 300 canke 500 kuri ATM kugira ngo wishyure ubukode canke amafaranga y'urugendo, kwumva imikanda y'imbere y'umubiri ivuza induru kandi ikanda mu masegonda 30, ubona igifunguzo c'amahera kiguma kifunze (canke kifunguye ku gitereko c'ubusa), no kwakira ubutumwa buva kuri banki yawe **"$5:0."

Intambwe ya 1: Suzuma ko hariho urutoke rwo "Cash-Trapping" ku gipfukisho imbere y'uko ugenda¶

Imbere yo kwiyumvira ko ATM yarangije amafaranga y’amadolari 20 canke ko yashikiwe n’ikibazo c’uruzitiro, suzuma Igipfukisho c’Igikoresho co Gutanga Amahera kugira ngo ubone Igitero co Gufata Amahera: - Uko Gufata Amahera Bikora: Abagizi ba nabi bafata umurongo mutoyi w’aluminium canke w’ipulasitike bubumbwe kugira ngo usa neza neza n’umuryango w’ivyuma wo gusohora amahera muri ATM, bagapfuka uruhande rw’inyuma rw’uwo murongo urudodo rwinshi rw’ifu y’impande zibiri (canke bagashirako utugingo ngengabuzima dutoduto tw’iburyo), hanyuma bagashirako utugingo ngengabuzima dutoduto). - Iyo ukuye amahera, ATM iraharura amafaranga yawe y’ukuri y’amadolari 20 ikayasunika gushika aho usohokera, aho ayo mafaranga atera inyuma y’isahani y’ikinyoma maze akaguma ku rubavu rw’impande zibiri. Mudasobwa ya ATM yiyumvira ko amahera yananiwe gusohoka (canke yatwawe), mu gihe umusuma arindiriye ko usohoka kugira ngo bashobore gukuraho igipfukisho c’icuma c’ikinyoma hamwe n’amahera yawe afashe inyuma yayo. - Uko wosuzuma neza: Raba neza urugi rw’amahera ruringaniye. Ico gipfukisho c’ipulasitike canke c’icuma coba kimeze nk’ikigoramye, coba cicara hejuru y’aho hantu aho kwicara imbere muri co, canke coba gifise ibimenyetso vy’urudodo canke vy’ivyuma bibonetse ku ruhande rw’ibubamfu n’urw’iburyo? Ntukigere ushiramwo intoke zawe imbere mu rwasaya rw’icuma rufise moteri rw’umukanda wo gutwara abantu wo mu mutima wa ATM; ariko rero, nimba igipfukisho c’ipulasitike c’ikinyoma co hanze cari gifatanye n’uruzitiro rw’inyuma gifise urudodo, hamagara abapolisi ubwo nyene mu gihe uguma uhagaze amaso kuri iyo mashini.

Intambwe ya 2: Tahura ingene ugusubiza hamwe kw’imbere muri ATM gukora (Kubera iki imashini IZI ko yakugucishije)¶

Iyo ata mutego w’amahera wo hanze, iyo ntambara yabaye imbere mu Module y’amahera (CDM) ya ATM. Ntukeneye guhagarika umutima ko rizoba "ijambo ryawe rirwanya ijambo rya banki," kuko ATM yose yo muri iki gihe irimwo ibitabo bitatu vyigenga vy'igenzura ry'ubuhinga n'ivy'ubuhinga bwa none vyerekana gushika ku noti imwe nimba amahera yajabutse vy'ukuri igipimo co gusohoka:

flowchart TD
    A["Usaba amadolari 400 kuri ATM; Banki ihita ishiraho -$400 Uruhusha Gufata kuri konti yawe"] --> B["Imbere mu kaseti Pick Rollers zikwega amafaranga zirenga amaso y'uburemere n'inyandiko-ibara ry'ibimenyetso"]
    B --> C{"None amafaranga yari yashitse hehe imbere y’uko ashika mu kuboko kwawe?"}
    C -->|"Ivyabaye 1: Bihinduwe mu REJECT / PURGE BIN imbere y'uko umupfuko ufungurwa"| D["Igikoresho co gusohoka kindika amafaranga 0 yashikirijwe; ATM ikunda guhindura -$400 mu minota 5 gushika ku masaha 24"]
    C -->|"Ivyabaye 2: Yafashe mu mukanda wo gutwara canke igihe co gufunga"| E["Ikinyamakuru c'ubuhinga bwa none ca ATM (EJ) kivuga 'IKOSA RYO GUTANGA / IKOSA RYO GUTANGA' + ikidodo c'igihe nyaco"]
    D --> F["Igenzura ry’amakaseti y’umubiri: Iyo ikamyo y’ibirwanisho iharura amafaranga asigaye + Reject Bin, ATM irafise amahera nyayo +$400 Cash Overage ahuye n’ivyo usaba"]
    E --> F

1. Igikoresho co gusohoka c'amaso & "Reject / Purge Bin": Uko ATM ikura amafaranga mu ma kaseti yayo y'amahera yugarijwe imbere (ama kaseti y'amadolari 20 canke 50), ibikoresho vy'amaso bipima uburebure bw'amafaranga yose kugira ngo bimenye neza ko amafaranga abiri atafatanye. Iyo fagitire ipfutse canke ipfutse mu mukanda, ATM ihindura ikirundo cose kija hasi mu gitereko c’imbere gipfutse Reject / Purge Bin aho gufungura igipfukisho c’imbere.
2. Igitabo c’Ikinyamakuru c’Ikoranabuhanga (EJ): Igikoresho cose co gukura amahera kindika igitabu c’amasandugu y’umwirabura c’imilisegonda ku milisegonda citwa Ikinyamakuru c’Ikoranabuhanga (EJ): 14:22:08 CARD INSERTED -> 14:22:19 REQUEST $400 -> 14:22:31 PICK FAILURE CASSETTE 2 / NOTES DIVERTED TO REJECT BIN / SHUTTER NOT OPENED.
3. The Physical Cassette Overage Count: Igihe cose ATM ikoreshwa n’umukozi w’ivy’ubutumwa canke umukozi wa banki, baraharura amafaranga asigaye mu makaseti y’amafaranga bongerako amafaranga yicaye mu gitereko c’amafaranga co mu mutima (Reject Bin) maze bagagereranya ayo mafaranga yose hamwe n’ayo bakuye mu buryo bw’ubuhinga bwa none bakuye kuri konti z’abaguzi. Iyo ATM yakuye amadolari 400 kuri konti yawe y'amahera itaguhaye ayo madolari 400, ububiko bwa ATM buzoguma bufise amadolari 400 ARENGERA ("+$400 Arenze").

Intambwe ya 3: Kwegeranya ibimenyamenya vy'ubuhinga bwa none vy'intonde 5 ku mashini¶

Kugira ngo umenye neza ko abatohoza amatati bo muri banki yawe bahuye n’ivyo usaba n’ivyo nyene vy’amadolari +400 y’amahera y’ububiko bw’amahera ku rugendo rwa mbere, wandike ibi bintu bitanu imbere y’uko ugenda:

• 1. Inomero nyayo y’Indangamuntu y’Ikibanza ca ATM: Raba hejuru mu mfuruka y’imbere canke hirya no hino y’uruzitiro rw’ibarabara kugira ngo ubone ikimenyetso c’icuma canke c’ivyuma canditsweko Indangamuntu y’Ikibanza / Indangamuntu y’Imashini / Indangamuntu y’Aho uri (kenshi ni kode y’inyuguti 8 gushika ku 10 nk’ NY049281 canke FI-88392). Fata ifoto y’iyi sticker iri hafi.
• 2. Ikete ry’Impapuro (canke Ifoto y’Ikosa ry’Ikigaragaza): Nimba ATM yacapuye ikimenyetso c’amahera, ugishire neza (ikimenyetso kinini gicapura agace gatoyi Urukurikirane / Umubare w’Ikurikirana n’agace k’ibanga Kode y’Inyishu/Itanga yerekana ingene amafaranga yerekanwa mu vy’ukuri). Nimba ata nkuru y’ukwinjira icapwe, nufotore igicapo.
• 3. Isaha nyayo, umunota, n’ikidodo c’igihe ca kabiri: Raba isaha yawe ya telefone canke ufate igicapo c’imburi y’ugukoresha amafaranga yawe yo muri banki ngendanwa. Kumenya umunota nyawo (nk’akarorero, 2:14 PM) bituma umuhinga mu vy’ama ATM ashobora gukura umurongo nyawo w’amasegonda 60 w’Ikinyamakuru c’Ikoranabuhanga (EJ) be n’ivyo videwo y’amasanamu y’amaso y’ibarabara yerekana ko uhagaze aho ata co ufise igihe igipfukisho caguma gipfutse.
• 4. Amadolari nyayo yasabwe n’amadolari nyayo yatanzwe: Niwaba wasavye amadolari 200 maze imashini igasunika gusa amafaranga atatu y’amadolari 20 (amadolari 60), harura ayo mafaranga buhoro buhoro imbere y’ibarabara ryo hejuru ry’ibarabara rya ATM kugira ngo iyo videwo yerekane amafaranga atatu atandukanye mu mufuko wawe imbere y’uko uyashira mu kuboko kwawe.
• 5. Izina n’Inomero ya Telefone y’Umukoresha wa ATM (ISO): Iyumvire banki canke Ishirahamwe ry’Ugurisha ryigenga (nk’irya Allpoint, Cardtronics/NCR, Brink’s/PAI) riri ku gicapo c’imashini.

Intambwe ya 4: Uko wotanga impaka y'Itegeko E "Ikosa ryo Gutanga ATM" maze ugahatira inguzanyo y'iminsi 10¶

Itegeko ry’ingenzi: Imisi yose ushire impaka mu buryo butegekanijwe na Banki YAWE iguha ikarita, ATARI umukozi w’iduka canke inomero ya telefone y’uwundi muntu¶

Iyo ATM iri imbere mw’iduka ry’ibintu vy’agaciro, hoteli, farmasi, canke ikibuga c’indege ikuye amahera kuri konti yawe ataco aguhaye, umucungezi w’iduka canke uwujejwe imbere muri hoteli nta n’umwe afise uburenganzira bwo kwinjira imbere muri iyo ATM kandi ntashobora kugusubiza amahera mu gitabu cabo. Mbere no guhamagara inomero 1-800 icapwe kuri ATM y’uwundi muntu, bifungura gusa itike y’ugusanasana idasanzwe; uwundi muntu akoresha ATM ntashobora guca atanga amahera kuri konti yawe.

Ahubwo, itegeko ry’amabanki ya Leta Zunze Ubumwe za Amerika rishira inshingano y’amategeko ku banki yawe bwite iguha ikarita canke ishirahamwe ry’inguzanyo (banki izina ryayo riri ku ikarita yawe y’ideni):

Ijambo ku rindi inyandiko yo guhamagara igisata c'amatati ya banki yawe¶

Hamagara kuri nomero iri inyuma y’ikarita yawe y’ideni (canke umurongo w’ubuhendanyi/amatati wa banki yawe) ukimara kuronka amafoto yawe 5 y’ubuhinga bwa none:

"Ndiko ndahamagara kugira ngo nshireho itangazo ry'ikosa ryo gutanga amafaranga biciye ku buhinga bwa none hakurikijwe itegeko rya Leta Zunze Ubumwe za Amerika E (12 CFR § 1005.11) ku bijanye n'ukubura amafaranga yo gutanga amafaranga kuri konti yanje.

Ku [Itariki] ku [Isaha, nk'akarorero, 2:14 PM], nagerageje gukura $[Amahera yasabwe] kuri ATM Terminal ID #[Terminal ID] iri kuri [Aderesi y'Ibarabara], ikoreshwa na [Banki/Izina ry'Umukoresha]. Konti yanje yari yarakuweko $[Igitigiri cose cakuweko, harimwo n’amahera], Urutonde/Ikurikirana #[Igitigiri kuva aho yakiriye], ariko uwufunga amahera muri ATM yarananiwe gutanga ayo mahera, aca ampa $[0 / Amahera y’Igice] mu kibanza cavyo.

Urasabwa gufungura ikirego c’Itegeko E ATM Dispense Error ku bijanye n’amahera yabuze $[Igiciro ca ATM] hamwe n’amahera y’inyongera ya $[ATM Fee], usabe igitabu c’Ikinyamakuru c’Ikoranabuhanga (EJ) n’igenzura ry’ibarabara ry’amakaseti ku mukoresha wa ATM, maze wemeze inomero y’ikirego. Nk'uko bisabwa hakurikijwe 12 CFR § 1005.11©, nimba iri genzura rifata igihe kirenze imisi 10 y'akazi, ndagusavye wemeze ko inguzanyo y'agateganyo yose izoshirwa kuri konti yanje ku musi ugira 10 w'akazi, kandi ndagusavye ureke amahera yose yo gukura amahera nimba iyo nsiguro ibuze igira ico ikoze ku mafaranga arindiriwe."

Kurikirana n'ubutumwa bwanditswe bw'amajambo 3 mu rubuga rw'ubutumwa rw'umutekano rwa banki yawe¶

Mu Itegeko rya Amerika E (12 CFR § 1005.11(b)(2)), banki yemerewe gusaba kwemeza mu nyandiko raporo y’ikosa ry’amajambo mu misi 10 y’akazi nk’itegeko ryo kuguha Inguzanyo y’agateganyo y’imisi 10. Ntureke ngo banki iguhakane inguzanyo yawe y’agateganyo ku musi wa 10 mu kuvuga ko wahamagaye gusa kuri telefone: ubwo nyene umaze guhagarika telefone, fungura urubuga rwa banki yawe rwo kuri interineti Secure Message Center (canke wohereze ikete/email ngufi kuri aderesi yabo y’amatati) ushireko itariki nyayo, isaha, ATM Terminal ID n’amahera y’idolari ryawe n’amahera y’idolari ryawe ikimenyetso c’uko umuntu yakiriye n’ivyo ATM.

Ivyabaye 3: Ico wokora iyo ATM imira AMAHERA yawe canke CHECK DEPOSIT yawe (canke iyo uri mu mahanga)¶

Ibindi bibiri vy’ugusenyuka kwa ATM bisaba intambwe zidasanzwe zo gusubirana:

1. Igikoresho co gukuramwo amahera carahagaze igihe wariko uramira amahera yawe canke sheki yawe ("Ibahasha y'amahera / Facture-Acceptor Jam"):
2. Ama ATM y’ubu atagira amabaruwa atanga amafaranga ashika kuri 30 canke 50 mu Igikoresho co kwemeza amafaranga / Escrow Module gikoreshwa n’imoteri. Iyo amafaranga atose, apfutse canke apfutse imbere mu gikoresho co kwemera amafaranga, iyo mashini ishobora guca amafaranga abiri yapfutse, ikagumana amafaranga asigaye mu muhogo, maze igacapura ikimenyetso c’ikosa kigaragaza ko $0.00 Deposited.
3. Ivyo wokora ku mashini: Ntukigere ushika ku ntoke mu muhogo w’uwukira amafaranga. Fotora ikosa ryo ku rubuga, igicapo c'indangamuntu ya ATM Terminal, ikimenyetso cose c'uko wakiriye, hanyuma wandike igice nyaco c'amafaranga y'amafaranga washize mu gitereko (nk'akarorero, "Amafaranga cumi n'abiri y'amadolari 50 n'amafaranga ane y'amadolari 20 = amadolari 680 yose hamwe"). Hamagara umurongo w’amatati wa banki yawe w’Itegeko E ubwo nyene: igihe umugenzuzi w’ibirwanisho yuguruye Ikibanza co Gushingira Amafaranga / Kwanka, amafaranga yawe atagira amafaranga yicaye mu kirundo c’amafaranga y’umubiri atandukanye n’aya kaseti y’amafaranga asanzwe, bikaba vyoroshe ko umugenzuzi asuzuma amafaranga yawe nyayo.
4. If ATM Ate a Paper Check Deposit: Ubwo nyene hamagara umuntu canke ishirahamwe ryakwandikiye sheki (nk’umukoresha wawe canke umukiriya wawe) maze umumenyeshe ko ATM yazibiye mu gihe co gushiramwo amahera kugira ngo bashobore kumenya nimba ishusho y’isheki yasohotse mu buryo bw’ubuhinga bwa none canke bashireho stop-payment maze basubire kuguha sheki ataco baguhaye.
5. ATM yo mu gihugu c'amahanga yamize ikarita yawe canke ntiyashobora gutanga amafaranga yo mu gihugu:
6. Ama ATM yo mu mabarabara yo mu mahanga hafi hose aramenagura amakarita yose y’amahanga yagumye kubera imvo z’umutekano; ntuhindure indege zawe zo mu rugendo ngo urindire imisi 3 hanze y’ishami rya banki yo mu mahanga wizigiye ko uzosubira kuronka ikarita ya plastique.
7. Ubwo nyene, usabe banki yawe yo muhira ugushoboza ikarita yawe nshasha yo gusubirira imbere muri Apple Pay / Google Wallet aho nyene (ikora ku bibanza bitagiramwo amakuru n’ama ATM ya NFC kw’isi yose), canke usabe banki yawe canke urubuga rw’ikarita y’inguzanyo Gutanga amahera** biciye kuri Western Union canke MoneyGram ku kibanza co gutora kiri hafi mu masaha 2.

Ibibazo bikunda kubazwa¶

Iyo ATM ikuye amahera yanje kuri konti yanje itampaye cash, ayo mahera yoba azosubira kuri konti yanje ubwo nyene?¶

Mu bihe nka 50 kw’ijana aho amafaranga afata imbere muri ATM imbere y’uko urufunguruzo rw’inyuma rw’amahera rufunguka, orodinateri yo mu mutima ya ATM irabona ko amanota zero yajabutse igikoresho co gusohoka c’amaso maze igatanga ikimenyetso c’ugusubira inyuma kigasubiza ayo mahera kuri konti yawe mu minota 15 gushika ku masaha 24. Ariko rero, iyo uguhinduka kutabonetse ningoga, canke iyo imashini yiyumviriye ko yatanze amafaranga kubera ikosa ry’umumenyeshamakuru canke umurongo w’ubugizi bwa nabi wo gufata amafaranga, NTIZOSUBIRAMWO ubwo nyene gushika ushizeho ikirego c’Itegeko E ry’Ikosa ryo Gutanga Amafaranga y’ATM na banki yawe yaguhaye ikarita.

Ni nde mpamagara iyo ATM y’uwundi muntu iri imbere mu iduka ry’ibintu vy’agaciro canke mu kibanza c’amavuta y’imodoka itampaye amahera yanje?¶

Imisi yose hamagara banki YAWE bwite iguha ikarita (banki izina ryayo riri ku ikarita yawe y’ideni) kugira ngo ushireho iyo ntambara mu buryo butegekanijwe, naho iyo ATM yoba ari iya sosiyete itandukanye rwose canke yicaye imbere mu iduka ry’ibintu vy’agaciro. Mu mategeko ya Leta Zunze Ubumwe za Amerika E (12 CFR § 1005.11) muri Leta Zunze Ubumwe za Amerika be n’amategeko angana n’ayo yo kwishura ku rwego mpuzamakungu, banki yawe bwite ni yo ifise inshingano yo gukora itohoza ku makosa biciye ku rubuga rwa ATM, gukurura ikinyamakuru c’imashini c’ubuhinga bwa none n’igenzura ry’amakaseti, no kuguha inguzanyo y’agateganyo mu misi 10 y’akazi. Ntukigere witega ko umukozi w’iduka ry’ibintu vy’agaciro azogusubiza amahera avuye mu gitabu c’iduka, kuko abakozi bo mw’iduka batashobora gushika imbere muri ATM.

None banki yokwemeza gute ko mu vy’ukuri ntafashe amahera muri ATM?¶

Buri ATM igumya inzira zitatu z’igenzura zifise intumbero: igitabu c’imbere c’Ikinyamakuru c’Ikoranabuhanga (EJ) c’agasanduku k’umwirabura kindika igihe cose uruzitiro rufata, ikosa ry’ivyuma, n’igiharuro nyaco c’amafaranga asunikiwe mu gitereko c’imbere c’Ikinyamakuru co Kwanka/Gusukura gushika ku ca kabiri; igenzura ry’uburinganire bw’amahera y’umubiri igihe umukozi w’ibirwanisho aharura amafaranga asigaye mu makaseti no mu gitereko c’amahera (ivyo bizokwerekana amahera y’umubiri arengeje urugero ahuye n’amahera nyayo y’idolari mwacitse); n’ivyo kamera ifata igihe yerekana ko igikoresho co gufunga amahera kiguma gipfutse canke wewe uhagaze ata co ufise.

"Lebanese Loop" kuri ATM ni iki kandi kuki ntagenda iyo ikarita yanje ifashe?¶

Libanese Loop ni igikoresho co gufata ikarita y’ubugizi bwa nabi gikozwe mu gipande c’i Mylar canke mu gipande c’ipulasitike gishizwe mu gice c’ikarita ya ATM iruhande y’ibarabara ry’ibarabara ry’ibarabara ry’ibarabara ry’ibarabara ry’ibarabara ry’ibarabara ry’ibarabara ry’ibarabara ry’ibarabara. Ico gipfukisho kireka ikarita yawe yinjira ariko kikabuza ama rollers ya ATM kuyisunika ngo isubire hanze. Uwo musuma ahagaze hafi arindiriye ko ugenda urondera imfashanyo, hanyuma akaduga, akuraho igitambaro co mu mutwe n’ikarata yawe, aca akuraho amahera yawe akoresheje PIN bahejeje kwandika. Imisi yose ushiremwo canke ushiremwo ikarita yawe imbere muri app yawe ya mobile banking ukiriho uhagaze imbere y’igicapo ca ATM imbere y’uko ugenda.

Amasoko yasuzumwe¶

• Ibiro bijejwe gukingira amafaranga y’abaguzi (CFPB, Leta Zunze Ubumwe za Amerika): Itegeko ryerekeye ugutanga amafaranga biciye ku buhinga bwa none (Itegeko E, 12 CFR § 1005.11: Uburyo bwo gutorera umuti amakosa, ubukene bwo gutanga amafaranga muri ATM, n’Amategeko agenga inguzanyo y’agateganyo y’imisi 10 y’akazi).
• Ibiro vy’Umugenzuzi w’Amafaranga (OCC, Leta Zunze Ubumwe za Amerika): HelpWithMyBank Impanuro zizwi ku bijanye n’amatati y’ukudatanga amafaranga n’ayo gutanga igice.
• Ishirahamwe ry’ibanga rya Leta Zunze Ubumwe za Amerika n’ishirahamwe ry’i Buraya ryitaho ivy’ubudandaji bitekanye (EAST): Ubwoko bw’ibitero vy’umubiri ku ma ATM: Gufata amakarata (Lebanese Loop) no gufata amahera (Shutter Claw / Glue Strip) Kwemera no guhangana navyo.
• Ikigo kijejwe inyifato runtu mu vy’amahera (FCA) n’umugambi wa LINK ATM (Ubwongereza): Uburenganzira bw’abaguzi ku bijanye n’ugukura amahera muri ATM bivugwako amatati hakurikijwe amabwirizwa agenga ibikorwa vyo kwishura 2017.

Inyobora zifitaniye isano¶

• Igikapu catakaye n'indangamuntu yibwe
• Ugukoresha nabi amafaranga no kwikingira ubusuma
• Imfunguruzo zatakaye zo mu nzu, imodoka, canke ibiro
• Imodoka yakwezwe canke yafashwe
• Inomero z'ivyihutirwa kw'isi yose