Gasi Pombi Skimmers, ATM EMV Shimmers, uye Cloned Card Triage¶

Kunyangwe uchangobata kadhi rekuverenga kadhi repurasitiki papombi yepeturu kana paATM ukanzwa bezel yenhema ichibuda muruoko rwako, wakaona kuti kuisa chip card yako kwainzwa kusimba zvisingaite nekuda kwebepa rakatetepa remukati EMV shimmer, kana kuti ichangobva kugamuchira yambiro yekubhenga kuti pane munhu ari kubvisa. $800 mune mari kubva kuATM maguta matatu kure apo kadhi rako rekubhengi rakagara zvakachengeteka mukati mewallet yako, uri kutarisana nekubhadhara kwenyama terminal compromise (card skimming kana shimming) Vashandi vemazuva ano vakarongeka veku skimming havachatsamira chete pane akafukidzwa epurasitiki akakwenenzverwa kunze kwepombi: vanoshandisa makiyi emafuta ekuburitsa mafuta epasirese kuisa zvisingaoneki ** zvemukati ribhoni-tambo skimmers ** ine HC-05 / HC-06 Maredhiyo eBluetooth mukati mepombi kabati, slide 0.15 millimeter (0.006 inch) flexible circuit board (EMV shimmers) yakananga muchip slot padivi pakavanda pinhole kamera mabhawa kana akanyanya-tete-tete keypad akavharika kuti aba 4-manhamba PIN, uye nyora yakabiwa Track 2 data pane isina chinhu magineti-stripe "machena makadhi" kudhiza maakaundi mumaATM enhaka uye mabhokisi makuru ezvitoro.

Kana uchinzwa usina kuchengetedzeka paATM kana pachiteshi chemafuta nekuti vanhu vari kufungidzira vari kufamba-famba mumotokari yakapakwa vachiona chiteshi, dzokera mumotokari yako yakakiiwa, tyaira uende kunzvimbo ine veruzhinji nekukasira, uye fonera nhamba yako yekukurumidzira.911 muUnited States neCanada, 112 muEuropean Union, 999 muUnited Kingdom) kana bvunza dhairekitori redu repasi rese nhamba dze emergency. Tevedza matanho ari pasi apa kuti uvhare kadhi rako, chengetedza kodzero dzako dzehutsotsi, uye ongorora materminal zvisina njodzi.

Ita izvi ikozvino¶

1. ** Kana iwe watoisa kana kutsvaira kadhi rako mupombi inofungidzira kana ATM (kana kuti wangogamuchira yambiro yekubiridzira yekadhi rakagadzirwa), vhura yako yekubhengi app nekukasira uye shandura. Lock / Freeze Card, wobva wafonera nhamba iri kuseri kwekadhi rako kuti utaure Compromised uye kumbira PAN itsva (Nhamba yeKadhi) nePIN itsva.** Usangochinja PIN yako uchichengeta nhamba yekadhi ine manhamba gumi nematanhatu. Kana skimmer kana shimmer akatora yako Track 2 magineti mitsetse yakaenzana data (PAN + Expiration Date + Service Code), mbavha dzinogona kuramba dzichiita siginicha kana kuti fallback magnetic-stripe transactions kusvika nhamba yekadhi ine manhamba gumi nematanhatu yakadzimwa zvachose.
2. USATYA kubira, kuisa muhomwe, kana kupwanya mudziyo unofungidzirwa kuti uri kutamba mutambo nemaoko kana matsotsi angave akagara mumotokari yakapakwa kure nemamita 15 (mamita makumi mashanu). Vadzidzi veBluetooth gasi-pombi (HC-05) uye Wi-Fi ATM skimmers ine inoshanda isina waya yekurodha mhando chete 10 to 30 meters (33 to 100 feet), zvichireva kuti vashandi vakaisa mudziyo vanowanzo misa mukona yemujenya kuti vakohwe makadhi anenge abatwa kana kutora $1,000+ hardware. Tora pikicha yekukurumidza yepombi/nhamba yeATM uye chidzitiro chekupedzisira, famba mukati kuti uzivise maneja wechiteshi (kunze kwekunge uchifungidzira kuti pane basa remukati pakiosk yakazvimirira), uye fonera mapurisa emuno asiri echimbichimbi kana kutumira emergency kuitira kuti maofficial officer adzore skimmer's memory chip uye zvigunwe zvakarasika.
3. Kana hutsotsi hwekubvisirwa maATM kana kutenga kutenga kwave kutorova account yako yekutarisa, faira gakava rehutsotsi mukati memaawa makumi mana nemasere (2 business days) uye kutevera nekunyora mukati memazuva gumi ekushanda. Pasi peUnited States Electronic Fund Transfer Act (EFTA / Federal Reserve Regulation E, 12 CFR § 1005.6), kana kadhi rekubhengi richiramba riri muruoko rwako (zvichireva kuti matsotsi akashandisa kopi yakasanganiswa yemagineti pane kuba kadhi rako), une zero mhosva ($0) yekuendesa kusiri pamutemo kunoshumwa mukati memazuva makumi matanhatu kubva kubhangi statement, uye pasi peUK PSR/FCA mitemo, EU PSD2, Canadian Code of Practice, neAustralia ePayments Code, vakabatwa nekadhi rakavharwa nekadhi skimming vakafanana vane kodzero yekuwana chikamu chekutanga kubva kubhangi kana kuregeredza chikamu chekutanga kubva muzana. utsotsi.
4. ** Nzwisisa kuti sei matsotsi achiri kugona kutevedzera EMV Chip Kadhi yemazuva ano: iyo Service Code 201 -> 101 Magnetic-Stripe Downgrade Attack.** Yese EMV chip kadhi haigone kuvharidzirwa sechipu kadhi nekuti chip inogadzira yakasarudzika inoshanduka cryptogram (ARQC) pakutengeserana kwese. Nekudaro, panguva yekuverenga chip, iyo EMV chip inotumira kopi isina kuvharwa yekadhi remagineti-stripe data (Tag 57: Track 2 Equivalent Data), inoshaya magineti matatu chete CVV1/iCVV. Kana ATM kana chitoro chichibvumira Magnetic-Stripe Fallback kana kutadza kuona iCVV vs. CVV1, matsotsi anopisa dhimmered chip data rako pane isina chinhu magineti kadhi, kuvadza chip chenhema kuitira kuti ATM idzokere kumutsara wemagineti, uye nyora PIN yako yakarekodhwa nekamera kuti ubvise mari.
5. ** Chinja ese anotevera gasi chiteshi, ATM, uye kubhadhara kwekutengesa kuti Smartphone NFC Tap-to-Pay (Apple Pay, Google Wallet, Samsung Wallet) pachinzvimbo chekuisa kana kutsvaira kadhi repurasitiki.** Kana uchinge wabata iPhone yako, Apple Watch, kana Android runhare kusvika parisingabatike. NFC chiratidzo papombi yegesi kana ATM, nhamba yako chaiyo yekadhi ine manhamba gumi nenhanhatu ** haina kumbofambiswa **; pachinzvimbo, foni inotumira tokenized Device Account Number (DAN) akabatanidzwa nekamwe-shandisa cryptographic kiyi iyo i100 muzana isina basa kune chero skimmer, shimmer, kana waya isina waya.
6. Gara uchivhara ruoko rwako zvachose nerumwe ruoko kana chikwama paunenge uchinyora PIN yako ine manhamba mana, kunyangwe muverengi wekadhi akapasa bvunzo yekudhonza. Internal ribbon skimmers uye EMV shimmers hazvionekwe zvachose kubva kunze kwemuchina, uye hapana anogona kubvisa account yako yekutarisa paATM pasina yako ine manhamba PIN. Kuvharira mutsara-wekuona-pinhole kamera yakavanzwa pamusoro pechidzitiro kana mukati mezvibatiso zvebhurocha kunomisa ATM mari-kunze kurwisa kuchitonhora.

flowchart TD
    A["Anofungidzirwa Skimmer / Shimmer Kusangana kana Kusatsanangurika ATM / Kadhi Kubiridzira"] --> B{"Mhosva dzehutsotsi dzakatorova account yako yebhangi kana kadhi rechikwereti here?"}
    B -->|"Hongu: Akaundi yakabviswa kana mari isina kutenderwa ichimirira"| C["1. Isai kadhi mune mobile app + Fonera bhangi Dhipatimendi Rokubiridzira kuti ubvise PAN uye ubudise kadhi idzva + PIN itsva"]
    C --> D{"Raiva Kadhi reDebit (Checking Account) kana Kadhi rechikwereti?"}
    D -->|"Debit Card (Kutarisa Account Cash Isipo)"| E["Invoke Regulation E (US) / PSD2 (EU/UK): Kadhi remuviri harina KURAsika (Cloned Card = $0 Chikwereti) + Demad 10-day Provisional Credit"]
    D -->|"Credit Card"| F["Invoke FCBA (US) / Kadhi Network Zero Chikwereti: Kupokana kuchaja nekukurumidza; zero kunze-kwe-homwe mari yakarasika"]
    B -->|"Kwete: Iwe wangoona kana kushandisa inofungidzira Gasi Pombi kana ATM"| G["USATI kubata mberi kana wakatarisa; pikicha Pombi/ATM ID, siya nzvimbo zvakachengeteka, uye zivisa Mapurisa + Bank"]
    G --> H["Ingoomesa kadhi rauchangobva kuisa uye shandura PIN yako kubva kubhengi app yako seyambiro."]

Diagnostic matrix: iyo 4 hardware zvizvarwa zvekubhadhara terminal kurwisa¶

Vazhinji vatengi vachiri kutenda kuti kudhonza nesimba pane yakasvibira epurasitiki kadhi slot inobata yega skimmer. Nepo iyo tug bvunzo inobata kunze kwekunze, skimming syndicates inoisa mana akasiyana zvachose ezvivakwa zvehardware, zvitatu zvacho zvisinganzwikwe nekudhonza bezel:

Phase 1: Iyo 15-yechipiri pre-swipe yemuviri uye Bluetooth yekuongorora protocol¶

Pese paunokwevera papombi yemafuta isina kutariswa, yakamira-yechitoro ATM, nzvimbo yekupaka garaji, kana vashanyi-nzvimbo yekufamba-up yebhangi ATM, mhanya iyi ongororo yegumi neshanu usati wadhonza kadhi remuviri kubva muchikwama chako:

1. Iyo 4-Point Physical Inspection Checklist¶

1. Tarisa Tape yeCabinet Security paMapombi eGasi: Tarisa pakasonewa panosangana negonhi repamusoro redhishi remafuta (padivi chaipo pekiyi yekiyi). Zviteshi zvine mukurumbira zvinoisa inonamira inopenya ** Tamper-Evident Security Seal ** pamhiri peiyo seam. Kana chinamirwa chakachekwa nepakati, kupepetwa, kana kuratidza izwi rekuti VOID mukudzokorora mabhii, usa ** usa** kadhi mupombi iyoyo; sarudza pombi pamberi pehwindo remushandi kana kubhadhara uchishandisa NFC tap-to-pay.
2. Enzanisa Yevakidzani Terminals Side-ne-Side (The Symmetry Check): Kubhengi chero ripi zvaro kana nzvimbo yekutengesa ine maviri kana anopfuura maATM kana ega-yekuzvivharira materminal, enzanisa kadhi slot bezel uye PIN pad yakadzoreredzwa kudzika kwemuchina wako uchitarisana nemuchina padyo nayo. Kana mumwe muverengi wekadhi akarambira kunze 1 centimeter (0.4 inches) kuenderera mberi, inoshaya inopenya yegirini ye LED slot mwenje yemuvakidzani wayo, kana kuvhara chikamu cheakadhindwa magiraidhi pane iyo fascia, yakapfeka overlay skimmer.
3. Ita Firm 2-Finger Bezel & Keypad Wiggle: Bata imba yekuverengera makadhi epurasitiki zvakasimba pakati pechigunwe chako chechigunwe nechigunwe wochisimudza, pasi, uye parutivi. Yechokwadi maindasitiri ATM uye mafuta-pombi kadhi kuverenga akavharirwa kubva mukati mesimbi chassis uye haazozununguki. Tevere, mhanyisa nzwara yako kumucheto kwekunze kwenhamba yePIN keypad: kana makiyi esimbi asina tsvina akagara mukati memuromo wakasimudzwa wepurasitiki unozununguka zvishoma pamakona, PIN-pad membrane yakagara pamusoro pekiyipi chaiyo.
4. Inzwa EMV Shimmer Slot Resistance: Kana uchifanira kuisa chip card chaiyo, teerera kune mechanic slide. Iyo isina kuchinjika EMV slot inotungamira iyo 0.76 mm (0.030 in) kadhi zvakanaka kusvika yadzvanya ichipesana nebackstop switch. Kana kadhi rikakwenya, richisunga nepakati, kana kuti unonzwa sekunge urikurichatira mune yakaomesesa slot, ** dhonza kadhi kudzoka kunze nekukasira usina kunyora PIN yako **.

2. Sei "Bluetooth Skimmer Scanner Apps" Chete Kubata Legacy Gasi Pombi Skimmers¶

Iwe unogona kunge wakanzwa zano rekuvhura marongero eBluetooth pafoni yako papombi yegesi uye tsvaga mudziyo unonzi HC-05, HC-06, kana RNBT-xxxx. * Inoshanda sei: Yekutanga-chizvarwa chemukati gasi-pombi ribhoni skimmers vanoshandisa zvakachipa kubva-pasherufu serial-to-Bluetooth Classic modules (HC-05, default pairing PIN 1234 kana 0000) iyo inoramba ichitepfenyura kuvapo kwavo mune yakajairwa Bluetooth yekubvunza scans. Kana iwe ukavhura smartphone yako yeBluetooth pairing menyu pamberi chaipo pepombi yegesi uye woona isina kunyorwa HC-05 mudziyo une simba guru rechiratidzo (-35 dBm ku -50 dBm), iyo pombi inenge iine yemukati yeBluetooth skimmer. * Nei usinga fanire kuvimba neBluetooth scanning chete: Zvishandiso zvemazuva ano zve skimming zvinogona kudzima kuwanikwa kweBluetooth (Non-Discoverable Mode), shandisa nharembozha LTE-M / NB-IoT eSIM modemu dzinoendesa makadhi akabiwa akananga kuTelegiramu bot pamusoro pesero network, kana kuchengeta data zvisineyi pane yemukati microSD chip (EMV shimmers) Bata zvakanaka HC-05 kuona sehumbowo hwemutambi, asi ** usambofa ** uchifungidzira kuti pombi yakachena nekuti Bluetooth hairatidze chinhu.

Chikamu chechipiri: Nei dhibhiti Kadhi skimming iri 10x ine njodzi kupfuura Chikwereti Kadhi skimming (Uye maitiro ekudzorera mari yako nekukurumidza)¶

Kana uchifanira kuisa kadhi repurasitiki rinoonekwa panzvimbo yepeturu, resitorendi, hotera, kana meter yekupaka pakatyoka Tap-to-Pay, **gara uchishandisa Kadhi reChikwereti, usambofa wakadhibhiti Kadhi rakabatana neakaundi yako yekutarisa.

1. Musiyano Wemutemo uye weCash-Flow pakati peCredit Cards neDebit Cards¶

Chikamu chechitatu: Nhanho-ne-nhanho mhinduro yekukurumidzira kana kadhi rako rakagadzirwa uye kudhiza account yako¶

Kana iwe ukagamuchira yambiro yemavara kana kuvhura yako yekubhengi app uye woona kubviswa kusingatenderwe kweATM, mvumo yechiteshi chegesi ($1.00 pre-auth inoteverwa ne $125.00 kutenga mafuta), kana hombe-bhokisi chipo kadhi kutenga kuri kuitika izvozvi:

Nhanho 1: Kiya Kadhi, Kanzura PAN, uye Tora Mufananidzo Kadhi Rako Renyama Muruoko Rwako (First 5 Minutes)¶

1. Vhura nharembozha yebhangi rako uye shandura iyo Lock / Freeze Card chinja ipapo.
2. Fonera bhanga 24/7 Dhipatimendi Rokubiridzira uchishandisa nhamba yakadhindwa kuseri kwekadhi rako. Udza mumiriri:

   *"Ndiri kutarisa kushandiswa kwechitsotsi kusingatenderwi kuri kuitika iye zvino mu[Guta/Nzvimbo], uye ndakabata kadhi rangu repakutanga riri muruoko rwangu pano pamba mu[Guta Rako]. Kadhi rangu rakaongororwa uye rakagadzirwa. Ndapota vhara zvachose iyi nhamba yekadhi rine madhijiti 16, budisa kadhi rokutsiva nePIN itsva, uye vhura homwe yemagetsi isina kubvumirwa.

3. Nei uchifanira kutora selfie yakadhindwa kana kushandisa kadhi rako munharaunda kana kupinda mubhangi app yako ipapo: Kana mbavha ichangobva kushandisa kopi yakadhindwa yekadhi rako paATM muMiami pa 14:12 iwe wakamira muSeattle, uchiratidza kuti iwe nemuviri wako EMV chip kadhi maive 4,000 makiromita (2,500 mamaira) kure. 14:15 inoparadza chero bhengi rekuti iwe wakabvumidza kubvisa.

Nhanho yechipiri: Faera Chirevo cheMapurisa eNhara uye Tora Nhamba Yenyaya (First 24 Hours)¶

Pese painobiwa mari kuburikidza nekubviswa kweATM (kusiyana nekubhadharisa kwakapfava kwepamhepo-kwete-ikozvino), mabhanga anogara achitarisa kana wakaisa chirevo chemapurisa, uye maATM ane akavakirwa-mukati-level pinhole CCTV kamera inorekodha mufananidzo wakajeka wemunhu akamira pamberi pemuchina panguva chaiyo yekubvisa. 1. Fonera mutsara wedhipatimendi remapurisa emunharaunda yako isiri-yechimbichimbi (kana kushandisa yavo yepamhepo mhosva yezvemari) kuisa Identity Kuba/Kubhadhara Kadhi Skimming Report. 2. Ipa iwo chaiwo mazuva, nguva, madhora, uye maATM terminal nzvimbo/ maID kubva kubhangi app yako, uye nyora pasi ** Chirevo cheMapurisa / Nhamba yeChiitiko** kuti ubatanidze muchiziviso chako chakanyorwa kubhangi rako.

Danho rechitatu: Tumira Zvakanyorwa Regulation E / Statutory Dispute Notice (Within 48 Hours to 10 Days)¶

Pasi peUS Mutemo E (12 CFR § 1005.11(b)(2)), bhanga rinotora kubiridzira kwako parunhare rinogona kukuda zviri pamutemo kuti upe ** simbiso yakanyorwa mukati memazuva gumi ekushanda **, uye kana ukatadza kutumira simbiso yakanyorwa kana wakumbirwa, bhanga rinobvumidzwa zviri pamutemo kunyima Provisional Credit kwemazuva anosvika makumi mana nemashanu apo account yako yekutarisa inogara isina chinhu. * Gara uchitevera kufona kwako nekutumira meseji yakanyorwa yekupokana kuburikidza nenzvimbo yakachengeteka yepamhepo meseji yebhangi (kana kuburikidza neCertified Mail) ichiti: 1. Zita rako nenhamba yeakaundi; 2. Zuva rega rega rekutengesa risina kutenderwa, mutengesi / nzvimbo yeATM, uye chaiyo dhora mari; 3. Simbiso yakajeka yekuti **kadhi rako renyama raive mauri nguva dzese ** uye kuti kutengeserana kwakaitwa kuburikidza nekadhi rakagadzirwa (POS Entry Mode 90 / 80); 4. Nhamba Yenyu Yemushumo Wemapurisa; uye 5. Chikumbiro che ** Provisional Credit mukati memazuva gumi ebhizinesi ** pasi 12 CFR § 1005.11(c) uye kuchengetedzwa kweATM's CCTV footage uye ISO 8583 POS Entry Mode logs.

Dziviriro yekutarisa: kuzviita iwe 100% kudzivirira kune skimmers uye shimmers¶

• Kushandisa Apple Pay, Google Wallet, kana Samsung Wallet (NFC Tap-to-Pay) papombi yegasi yegasi, ATM, uye chitoro chine chiratidzo chisingabatike: Kunyangwe pombi yegesi kana ATM yakarongedzerwa nekunze kwepamusoro skimmer, yemukati Bluetooth ribhoni skimmer, UYE yakadzika-inoisa EMV inopenya zvese panguva imwe chete, kubaya foni yako kana kuona pane isina kubata. NFC pad inodarika iyo yemuviri slot zvachose uye inotumira imwe-nguva tokenized cryptogram isingagone kudzokororwa kana kuumbwa.
• ** Dzima "International Transactions" uye isa yakaderera "Daily ATM Cash Withdrawal Limit" (e.g., $100 or $0) muapp yako yekubhanga:** Mapoka mazhinji anochera makadhi anokohwa makadhi kuUS, UK, kana Europe uye anotumira Track 2 marasirwo emagetsi kune zvavanosangana nazvo munyika dzisina kutevedzera zvizere kutevedzerwa kweEMV chip-chete ATM. Kuchengeta Kushandiswa Kwepasirese uye ATM Cash Access yakabatidzwa ** KUBVA ** mukati mebhangi app yako (kusvikira maminetsi maviri aunotoda kushandisa ATM) inovharisa otomatiki kubuda kwemari.
• ** Batidza Chaiyo-Nguva Push Notifications kune Yese Transaction pamusoro $0.01:** Gadzirisa bhangi rako uye kiredhiti kadhi maapuro kuti utumire pakarepo push chiziviso chechipiri chero pre-mvumo ($1.00 gasi pombi test) inoitika.
• Usamboshandisa maATM akazvimirira ega emari asiri emubhangi muzvitoro zvine chiedza chisina kujeka, mubhawa, kana nzira dzekufamba nevashanyi: Kana uchida mari, shandisa ATM iri ** mukati mekamuri yakakiyiwa kana kuti mukati meberere rebazi guru rebhangi*, umo mabhangi-giredhi anodzivirira skimming jitter slots uye electromagnetic jamming ari kushanda achitariswa.

Mibvunzo inowanzo bvunzwa¶

Ndinoda kutenga "RFID-Blocking Wallet" yakakosha here kana sleeve yesimbi kumisa mbavha kuti dzisakwenye makadhi angu pandinofamba mumugwagwa?¶

Aihwa; federal uye banking cybersecurity agency (kusanganisira UK National Cyber ​​​​Security Center uye masangano ekuchengetedza vatengi) anosimbisa kuti isina waya mugwagwa-kufamba "RFID skimming" inonyanya ngano yekushambadzira kana ichienzaniswa neyemuviri terminal skimmers uye online data kutyorwa. Mazuva ano makadhi ekubhadhara asingabatike haashandise passive static RFID barcode; vanoshandisa `ISO/IEC 14443` EMV contactless protocol, inoda inoshanda powered terminal mukati memasendimita maviri kusvika mana (0.8 kusvika 1.6 inches) uye inoburitsa imwe-nguva inoshandura cryptographic kodhi isina zita rako rine kadhi, kero yekubhadhara, kana matatu-manhamba akadhindwa CVV2 kodhi yekuchengetedza. Iwe haugone kugadzira magineti-stripe clone kubva papombi isina kubata. Kuedza kwako kunoshandiswa zvirinani uchishandisa Apple Pay kana Google Wallet pamapombi egasi uye kuvhara ruoko rwako paunenge uchinyora PIN yako.

Mumwe munhu angagone sei kubatanidza EMV Chip Card yangu papombi yegesi kana ATM kana maEMV machipisi achifanirwa kunge asingagone kutevedzera?¶

Nepo iyo microprocessor mukati meEMV chip kadhi yako isingagone kudzokororwa mune yechipiri inoshanda chip kadhi, iyo EMV yakatarwa inoda kuti chip ichengete uye kuendesa kumashure-inoenderana kopi yedata rako remagineti.`Tag 57: Track 2 Equivalent Data`) panguva yega yega chip transaction. Kana iyo yakanyanya kutetepa ** EMV inopenya ** mukati mekadhi slot inorekodha izvozvo `Tag 57` rwizi (kana kana gasi remukati repombi skimmer richiverenga mutsara wako wemagineti paunenge uchisundira kadhi mukati), matsotsi anonyora iyo data pakadhi risina chinhu remagineti. Kunyangwe iyo chaiyo bank system inofanirwa kuramba iyo magineti clone nekuti iyo chip `iCVV` dynamic verification value inosiyana nemagnetic stripe's `CVV1`, maATM asina kunyatso gadziridzwa kana vatengesi vachiri kubvumira magineti-stripe fallback vanogamuchira iyo cloned swipe uye kubvisa account yako.

Kana ndikadhonza kadhi repombi yepombi yegesi uye skimmer yepurasitiki yekunyepa ikabuda muruoko rwangu, chii chandinofanira kuita?¶

Chekutanga, tarisa-tarisa kuchengetedzwa kwako pachako: vashandi vekusvetuka-svetuka vanowanzo paka mukati me15 kusvika 30 metres (50 kusvika 100 tsoka) yepombi kudhawunirodha data rakabiwa kadhi paBluetooth kana kuona hardware yavo. Usatarisane nemunhu, uye dzivirira kubata bhodhi remukati neminwe yako isina chinhu kuitira kuti vemutemo vakwanise kusimudza zvigunwe zvakavharika kana DNA kubva pamatepi ane mativi maviri uye majoini ekutengesa. Dzokera mumotokari yako kana kufamba mukati mechiteshi, fonera mapurisa emunharaunda (`911` / `112` / `999` kana dhesiki renzvimbo) kuti utaure kutsvaga kadhi rekubhadhara rinoshanda paPump #X, uye kana watoisa kadhi rako usati wariwana, omesa kadhi rako mubhangi app yako nekukurumidza.

Bhangi rangu rinoti harisi kuzodzosera $600 yehutsotsi yekubvisa ATM nekuti PIN yangu ine manhamba yakashandiswa. Zviri pamutemo here?¶

No. Pasi peUnited States Electronic Fund Transfer Act (`Regulation E`, `12 CFR § 1005.6`), UK Payment Services Regulations, uye EU PSD2, nyaya yekuti mbavha yakabata ndokunyora PIN yako ine manhamba mana (kuburikidza nekamera yepinhole kana keypad overlay)**hazviite** kuti kutengeserana kubvumidzwe, uye hazviunze mutoro wevatengi pakadhindwa kadhi rako. Pasi peUS Regulation E commentary uye CFPB enforcement nhungamiro, mutoro wehumbowo uri pasangano rezvemari (`15 U.S.C. § 1693g(b)`) Wedzera kupokana kwako nekunyora, isa chirevo chemapurisa, uye upe chichemo chiri pamutemo kuConsumer Financial Protection Bureau (`consumerfinance.gov`) kana wako national banking ombudsman arikuda mbishi `POS Entry Mode` (`05` vs `90`/`80`) uye ATM kamera matanda.

Mazano anoenderana¶

• Kutyorwa kweakaundi yebhangi uye waya isina mvumo/ACH kutamisa kudzoreredza
• QR kodhi phishing ("quishing"), kupaka mita decals, uye kwakashata kudzoreredza
• Yeruzhinji Wi-Fi, Evil Twin hotspots, uye USB muto-jacking dziviriro
• Kubiwa kwekuzivikanwa uye kiredhiti bureau kunomisa
• Nhamba dzepasi rose dze emergency

Kwatariswa¶

• Federal Bureau of Investigation (FBI) & United States Secret Service (USSS) (United States): National Cyber ​​Investigative Joint Task Force Alerts paPayment Card Skimming, Deep-Insert EMV Shimmers, uye Fuel Dispenser Bluetooth Skimmers.
• Consumer Financial Protection Bureau (CFPB) (United States): Electronic Fund Transfer Act (Regulation E, 12 CFR Part 1005.6 uye 1005.11 Dudziro Yepamutemo paCloned Card Liability uye Provisional Credit Requirements).
• EMVCo (International): EMV Integrated Circuit Card Specifications for Payment Systems (Tag 57 Track 2 Equivalent Data, Dynamic iCVV Verification, uye Contactless Tokenization).
• PCI Security Standards Council (PCI SSC) (International): Skimming Prevention: Pfupiso Yemaitiro Akanakisisa eVatengesi uye Terminal Inspection.
• UK Finance & Financial Conduct Authority (FCA) (United Kingdom): Payment Services Regulations (PSR) Kodzero Dzisina Kubvumirwa Kudzoserwa Kwemari uye ATM Anti-Skimming Guidance.