Skip to content

ATM Kadhi Kuteya ("Lebanese Loop") uye Cash-Dispenser Claw Scams: Nei Usingafaniri Kusiya Muchina

Nhamba dze emergency dzinosiyana nenyika. Iri peji rinoshandisa 911, nhamba yeUnited States neCanada. Dzimwe nyika dzakawanda dzinoshandisa 112, 999, kana imwe nhamba. Tsvaga nhamba yenyika yako.

Kuisa kadhi rako rekubhengi kana rechikwereti muAutomated Teller Machine (ATM) chete kuti uve nemota yekuverenga kadhi jam, kumedza kadhi rako usingaridzose, kana kuita ruzha rwekuverenga mari nepo chivharo chekuburitsa mari chichiramba kuvhura hakuwanzo kuparara kwemuchina. Kumhiri kweNorth America, Europe, United Kingdom, Latin America, neAsia-Pacific, vakarongeka veATM vanobiridzira vashandi vanoisa nzira mbiri dzekuteya, dzinoti ** "Lebanese Loop" kadhi-slot sleeve ** uye ** Cash-Dispenser Claw / Glue Shutter Trap **, yakanyatso kugadzirwa kuti ubate kadhi rako kana mabhiri ekutapa kuti aende mukati mesekondi. Pakarepo paunofuratira kuti utsvage maneja webhangi kana kufamba uchienda kumota yako kunofonera vatengi, mupari wemhosva anga akamira mamita maviri kumashure kwako achinyepedzera kutarisa foni yake (kana kuti akatora yako Personal Identification Number kuburikidza nepinhole kamera, keypad overlay, kana thermal-imaging camera) anokwira kumuchina, anodhonza tabhu yakavanzika monofilament kuti abudise kadhi rako remumugwagwa kana kuti kubvisa mari pakona yako yemazuva ese. Kana ATM ikambochengeta kadhi rako kana kutadza kuvhura chivharo chayo chemari mushure mekubvisa mari, ** dyara tsoka dzako pamberi pechidzitiro cheATM uye usaende **: sunga kadhi rako mukati mefoni yako yebhengi app wakamira pamushini, ramba rubatsiro rwese kubva kune "vatorwa vane hushamwari" muvheti, fonera nhamba yekubira yebhangi kuseri kwekadhi rako kana munharaunda yako. nhamba dze emergency kana vatyisidzirwa, uye ongorora yedu bhengi jugging uye ATM kubvisa tailing guide, zvedu yokupaka garage uye ATM vestibule ambush guide,uye zvedu kuratidza kubiwa uye kumanikidza ATM kubvisa gwara.

Sekureva kweEuropean Association for Secure Transactions (EAST), United States Secret Service Financial Crimes Task Force, uye ATM Industry Association (ATMIA), kubata kadhi-kadhi uye kurwiswa kwekuteya mari kwawedzera padivi peEMV chip migration nekuti mbavha inoba EMV chip kadhi yako pamwe nePIN yako ine manhamba mana haidi kubatanidza kadhi yako chaiyo mari pamaATM mashanu akavaidzana uye tenga makadhi echipo emhando yepamusoro kana zvemagetsi mukati memaminitsi gumi nemashanu. Kunzwisisa iyo chaiyo mechanical engineering yeLebanese Loop film sleeve, kuti ungaona sei chivhariso chemari chenhema chakazara muchirimo usati waisa kadhi rako, nei munhu wausingazivi achikuudza kuti "Dzvanya Cancel kaviri woisazve PIN yako" ndiyo mbavha chaiyo iri kukohwa kodhi yako, uye kukiya kadhi rako mumasekonzi gumi pafoni yako usingabudise dhora remuchina wako rinodzivirira.

Ita izvi ikozvino

  1. ** Usambofa wakafamba kubva paATM kana kadhi rako rakanamira mukati meiyo slot kana muchina uchitenderera usingabudise mari yako.** Zvese zviri zviviri Lebanese Loop kadhi trap uye Cash-Claw shutter trap zvinovimba nezana muzana pakusiya muchina mukushushikana. Mira wakananga kumberi kwekiyipadhi inovharira kupinda kune kadhi slot uye mari chute, buritsa smartphone yako ipapo pamushini, vhura nharembozha yebhangi rako, uye shandura "Kiya Kadhi" / "Freeze Debit Card" (kana kudzikisa muganho wako wekubvisa ATM wemazuva ese kusvika $0) **usati watora nhanho imwe chete kubva kune terminal **.
  2. Ramba mazano ese kubva kune chero "anobatsira akamira" anopinda muvheti yeATM uye anokuudza kuti unyorezve PIN yako. Runyoro rwekare rwembavha yeLebanese Loop ndeyekufamba kumashure kwako masekonzi 15 mushure mekujamba kwekadhi rako ndokuti: "Ah, muchina uyu wakandiitira chinhu chimwe chete nezuro, ingobata pasi CANCEL bhatani wonyora PIN yako mune imwezve nguva yobva yabuda chaimo." USATYA zvekare PIN yako. Mbavha yakamira pafudzi rako iri kuona minwe yako ichibata nemusoro PIN yako ine manhamba kuti ikwanise kuburitsa kadhi rako muruzha nguva yaunoenda.
  3. Vhivha ruoko rwako rwekutaipa zvachose nerumwe ruoko kana chikwama nguva imwe neimwe yaunopinda PIN, kunyangwe vhesi risina chinhu. Vashandi veLebanese Loop vanowanzonamira microscopic pinhole video camera mukati mechibatiso chepurasitiki chenhema pamusoro pesikirini, mukati mebhara remwenje repamusoro, kana mukati mebezel remanyepo. Kubata ruoko rwako rusina simba sedenga rakasimba ** masendimita maviri (0.8 inches) pamusoro pezvigunwe zvako zvekutaipa ** kunopofumadza ese ari pamusoro pepinhole lenzi uye makamera anopisa, zvichiita kuti kadhi rakavharirwa rishaye basa.
  4. ** Kana iyo ATM yakaita ruzha rwekuverenga mabhiri (whir-click-click) uye mameseji ekuzivisa nezvekubvisa mari kunharembozha yako, asi hapana mari yakabuda: ongorora chivharo chekuburitsa mari kuti uone kumeso kwakanamirwa kwenhema.** Mbavha dzinoteya mari dzinoisa aruminiyamu yechirimo kana gonhi renhema repurasitiki rakaiswa tepi yekapeti ine mativi maviri kana masimbi ane minzwa zvakananga pamusoro pechuru chechokwadi cheATM. Dhonza zvinyoronyoro pamapendero epurasitiki cash dispenser bezel; kana chivharo chenhema chikasunungurwa chichiratidza mari yako yakanamira patepi yekunamira, tora mari yako, chengetedza mudziyo wekuteya mapurisa (wakachibata pamupendero), uye fonera ** 911 / 112 / 999** nekukurumidza uchigara wakachengeteka.
  5. Fonera bhanga rako 24/7 Customer Service/Dhipatimendi reKubiridzira paspeaker wakamira pamushini (usafafa wakafona nhamba yefoni yakadhindwa pachinamira paATM). Matsotsi anogara achinamira chinhu chaicho "ATM Yabuda MuOdha / Kadhi Rakachengetwa Rubatsiro" chinonamirwa chevinyl pamberi peATM nenhamba yakanangana nenhamba yemotokari isina kurira. street, ndiani anokukumbira kuti utarise PIN yako ine manhamba mana. Ingofona iyo nhamba yepamutemo kubva kubhengi nharembozha kana webhusaiti yako, taura iyo chaiyo **ATM Terminal ID **, uye ita kuti mumiririri abvise zvachose kadhi iwe wakamira ipapo.
  6. Koshesa kuchengetedzeka kwako kwemuviri: kana vanhu vane hasha vakapinda muvharanda kana kuyedza kukumanikidza kure nekadhi rakanamira, kiya kadhi pafoni yako wobva wabuda pakarepo. Kana wangobaya "Freeze / Cancel Card" mukati mebhangi app yako, kadhi repurasitiki rakanamira mukati meATM slot haisi chimwe chinhu kunze kwechidimbu chisina maturo chepurasitiki yakafa. Usambofa wakapinda mukukonana kwepanyama mukati megirazi rakavharirwa vestibule pamusoro pekadhi rakafa; buda uchipinda mumugwagwa wevoruzhinji une chiedza chakanaka kana mukati mebazi rebhangi wofonera mapurisa.

Nei iyo 'Lebanese Loop' Inokunda EMV Chip Chengetedzo Pasina Kuda Skimmer

Vazhinji vatengi vemabhanga vanotenda kuti nekuti kadhi ravo rekubhengi rine encrypted EMV microprocessor chip, matsotsi eATM haachakwanise kuvabira pamushini wemari. Icho ichokwadi chete kune magnetic-stripe skimming (kushongedza kadhi rakadhindwa). Iyo ** Lebanese Loop ** inodarika EMV encryption zvachose ne **kuba yako chaiyo chaiyo chip kadhi **. Kana mbavha ichinge yatsveta iyo yakatetepa X-ray firimu loop kubva pakadhi slot yakabata kadhi rako chairo uye ichisanganisa ne4-manhamba PIN yavakarekodha kuburikidza nepinhole kamera kana pamapfudzi-kusefa, vanofamba vachienda kune inotevera ATM voisa yako chaiyo EMV chip. Nekuti kadhi nePIN zvese ndezvechokwadi, komputa yekubiridzira yebhangi inobvumidza kubviswa kwese kwemari kusvika kune yako yemazuva ese kusvika iwe waomesa kadhi.

Muti wesarudzo: ATM kadhi kuteya uye mari-shutter claw emergency triage

Tevedza iyi nhanho-ne-nhanho protocol panguva iyo ATM yatadza kudzosera kadhi rako kana kutadza kuburitsa mari mushure mekubvisa account yako.

flowchart TD
    Start["Anomaly paATM: Kadhi Harizoregi KANA Cash Shutter Inogara Yakavharwa Mushure meKuverenga Inzwi"] --> StandGround["1. USAFAMBA KUBVA KUMCHINA: - Gara wakadyarwa zvakananga pamberi pekiyipad & kadhi slot - Chengetedza torso yako ichivharira muchina kubva kune ani akakumirira kumashure kwako."]

    StandGround --> StrangerCheck{"2. Munhu akatarisa anofamba achipa 'rubatsiro' here kana kukuudza kuti isa zvakare PIN yako + Cancel?"}

    StrangerCheck -->|"EHE: Classic Lebanese Loop Shoulder-Surfer"| RefuseStranger["REFUSE & SHIELD KEYPAD: - Usambofa wakanyorazve PIN yako - Taura zvakasimba: 'Ndiri parunhare ndine chengetedzo yangu yebhangi izvozvi' - Kana vakaita zvehasha, kiya kadhi pafoni app & buda kuenda kwakachengeteka."]

    StrangerCheck -->|"NO: Ndega pamushini"| AnomalyType{"3. Kukundikana kupi kwakaitika?"}
    RefuseStranger --> AnomalyType

    AnomalyType -->|"Kadhi Yakanamira / Yakachengetwa Mukati Kadhi Reader Slot"| CardTrapProtocol["CARD TRAP ('LEBANESE LOOP') PROTOCOL: 1. Vhura Mobile Banking App -> Bata FREEZE / CANCEL KADHI nekukasika 2. Fonera tambo yekubiridzira yekubhanga iri paspeaker (USAGARA wafonera nhamba yekunamirwa paATM) 3. Ongorora kumucheto kwekadhi bhezel kumucheto kwekadhi rakatetepa reX-ray film tab, tambo yekuraura, kana gume gume"]

    AnomalyType -->|"Kadhi Yakadzoserwa, Akaundi Yakabviswa, Asi ZERO Cash Yakabuda"| CashTrapProtocol["CASH-SHUTTER CLAW / GLUE TRAP PROTOCOL: 1. Tarisa foni app: Balance yako yakabviswa here? 2. Ongorora Cash Dispenser Shutter: Pane purasitiki yakasununguka faceplate yakanamwa pamusoro pechuti here? 3. Gara pamuchina & fonera Bank + Mapurisa (911/101/112) kuti utaure inoshanda Cash Trap"]

    CardTrapProtocol --> RegEDispute["4. DZIVIRIRA MARI YAKO (REGULATION E / PSD2): - Tora Bank Fraud Reference # uye ATM Terminal ID - Tora mufananidzo slot yeATM card, shutter yecash, uye overhead pinhole camera area - Kana paine dhibhiti isingatenderwi yakatumirwa, faira zviri pamutemo Regulation E / isina mvumo EFT kudai."]
    CashTrapProtocol --> RegEDispute

Anatomy yemisungo yeATM yemuviri: Mashandiro anoita 4 hardware kurwisa uye maitiro ekuaona

Kusiyana nekudzika-kuisa emagetsi skimmers anokopa data chinyararire uku achikurega iwe upedze kutengeserana kwako zvakajairika, ** kuteya kurwiswa ** kubata kadhi rako kana mari mukati mebezel. Heano magadzirirwo emudziyo wega wega uye maitiro ekuona panguva ye **5-yechipiri pre-transaction yemuviri tug test **:

Kurwisa Mechanism Iyo Mhosva Inovaka & Kuiisa sei Chii Chinoitika Panguva Yekutengeserana Kwako Visual & Tactile Inotaurira Pamberi / Panguva Yekushandisa
1. Iyo "Lebanese Loop" (Kadhi-Slot Sleeve / Hook) Mutsetse we ** mutete wakasviba wemifananidzo X-ray firimu, VHS magineti tepi, kana inochinjika acetate plastiki** (18 mm yakafara) yakapetwa kuita chishwe chine matinji akatarisana nemukati, kana chiredzo chewaya-yesimbi yakasungirirwa pane yakajeka monofilament tambo yekuredza yakaiswa pasi pemuromo wepurasitiki wenhema. Kadhi rako rinotsvedza mu mune sleeve yefirimu mukati memotikari slot. Sleeve inodzivirira maATM emukati ma roller kubva kubatika kana kuburitsa kadhi (kana kuvharira kadhi kubva pakugara pane yekumashure microswitch), saka iyo skrini inovharika "Haikwanise kuverenga kadhi" kana kuomesa iyo kadhi rako richiramba rakatsvikinyidzana mukati. - Kadhi inonzwa ** yakasungwa zvisina kujairika kana spongy ** paunoisundira mukati meiyo slot
- Kadiki ** 1-kusvika-2 mm tema bhaisikopo tebhu, tambo yekuredza yakajeka, kana tepi yakapetwa mupendero ** inobudira pakona yepasi pegirinhi/inopenya kadhi-yekuverenga huro.
- Iyo yepurasitiki kadhi-inoverenga mhuno inozunguzika zvishoma kana yakadhonzwa
2. Cash-Dispenser Adhesive Shutter Trap ("Glue / Velcro Bar") Yekunyepedzera Aruminiyamu inodized kana chivharo chepurasitiki chepfumbu chinopinda chakananga pagonhi reATM rine mota rinoburitsa mari, rakaiswa mukati mechiso ne tepi yekapeti yefoam yakakwira-pamativi maviri, chinonamira chembeva, kana mazino esimbi anokwira kumusoro Iwe unoisa kadhi rako, isa PIN yako, uye kukumbira $400. Mukati memuchina, iyo counter counter inoverenga makumi maviri emadhora makumi maviri (whir-clack-clack) uye inosundira murwi muhuro yekutumira, uko mabhiri ** anorovera akananga mutepi inonamira kuseri kwevhavha yenhema ** pane kusunda gonhi kuvhurika. -Chivharo chekuburitsa mari chinotaridzika ** chakadzoserwa zvishoma, chakabudikira, chisina kuenderana neruvara, kana kukwenya kutenderedza perimeter **
- Iwe unonzwa iyo yemukati bhiri counter inomhanya uye ugamuchire yambiro yekubvisa mari yeSMS, asi chivharo chinoramba chakavharwa uye skrini inoratidza "Transaction kukanganisa / Ndokumbira utore mari yako"
3. Iyo "Cash Claw" / Wire Fork ("Trident" Yemukati Catcher) Yakareba, yakataurwa yakafuratira chitubu-simbi waya forogo kana muzinga yakasundira yakadzika mukati memudziyo unoburitsa mari pahuro padiki diki rekubvisa $10 uku chivharo chakavhurwa kwechinguva. Mbavha inopinza simbi mukati menzira yekutakura mari yobva yaenda. Kana munhu anotevera abvisa madhora mazana mashanu, mabhiri anorovererwa mukati meforogo yewaya mukati mehuro; mbavha inodzoka 30 seconds wabvapo yokweva foloko yewaya nemari yako -Madiki ** anokwenya kana pry mamaki** pamuromo wezasi wevhavha yekuburitsa mari
-Waya yakatetepa tipi kana simbi tebhu inoonekwa mukati mezasi seam yechute yemari
**4. Acoustic / Thermal / Optical PIN Pad Overlays & Pinhole Bars ** Nekuti kadhi rakabatwa harina basa pasina PIN yako, mbavha inoisa kana:
-A 0.5 mm silicone/simbi yenhema PIN padhi yakavharika yakananga pamusoro pekiyipadhi chaiyo inokanda makiyi emukati meflash chip, KANA
-A ** diki pinhole lens ** yakavanzwa mukati meyekunyepa epurasitiki bhurocha rack, light diffuser bar, kana padivi girazi		 Paunenge uchinyora yako 4-manhamba PIN, iyo yakavharika inorekodha iyo chaiyo bhatani kutevedzana (kana iyo pinhole kamera inorekodha zvigunwe zvako). Kunyangwe isina kamera, matsotsi akagara mumotokari iri pedyo anoshandisa smartphone FLIR thermal kamera uchangobuda kuti uverenge siginecha yekupisa yakasara yemakiyi mana esimbi awabata (brightest key = last digit pressed) - Keypad inonzwa ** gobvu, spongy, yakasimudzwa kubhururuka nebezel yakatenderedza, kana kushaya crisp tactile tinya **
-Mudiki 1 mm dot dema (pinhole) rakadhiriwa mupurasitiki trim yakananga pamusoro pechidzitiro kana mubhokisi repepa repurasitiki rakanamirwa padivi peATM.

Maitiro ekuita "5-Second ATM Physical Security Check" usati waisa kadhi rako

Chese chipenga chekuteya chese (chingava chiLebanese Loop sleeve, bezel yenhema yekuverengera kadhi, chivharo chekiyipadhi, kana ndiro yakavharwa necash shutter) inonamirwa kunze kweATM uchishandisa tepi ine mativi maviri, isina simba silicone adhesive, kana friction clips kuitira kuti tsotsi rikwanise kuibvisa mumasekonzi maviri kana kadhi rako raba mari.

Usati wambotora kadhi rako rekubhengi muchikwama chako, ita iyi 5-yechipiri ongororo yemuviri:

1. Chinja kuContactless NFC Tap (Apple Pay / Google Pay / Tap Card) Pose Parinowanikwa

  • MaATM mazhinji emabhangi emazuva ano ane Contactless NFC Symbol (masaisai mana eredhiyo akakomberedzwa) padyo nekiyipadhi.
  • Kana iwe ukadzvanya chikwama chako che smartphone kana kudzvanya kadhi rako remuviri uchipokana nepedhi isingabatike pachinzvimbo chekuisa kadhi mumotokari slot, ** Lebanese Loop haigone kuteya kadhi rako uye yakadzika-inopinza skimmer haigone kuverenga yako magineti mutsara **. Gara uchishandisa Contactless Tap pamaATM anoitsigira.

2. Bata uye Wiggly-Dhonza Kadhi Reader Snout (The 2-Finger Tug Test)

  • Kana uchifanira kuisa kadhi rako, bata purasitiki bezel yekuverenga kadhi (mhuno yakabudira yegirinhi, yebhuruu, kana sirivheri) zvakasimba nechigunwe chako chechigunwe nechigunwe uye chidhonza nekuchizunguzira kuruboshwe, kurudyi, kumusoro uye pasi.
  • Yechokwadi fekitori inoverengera kadhi reATM yakasungirirwa kune yemukati simbi chassis yevhavha uye ** haizozungunuke imwe millimita imwe **. Kana iyo yepurasitiki bezel ikachinja, kuchinjika, ichinzwa yakasununguka, kana iine inonamira glue yasara kana diki nhema firimu tebhu mukati meiyo slot lip, ** usaise kadhi rako **.

3. Mhanya Chigunwe Chako Pasi peKumucheto kwePIN Keypad

  • Tarisa iyo Stainless-simbi yePIN keypad: yechokwadi ATM keypad inogara zvishoma ** yakadzoreredzwa ** mukati meyevha yekudzivirira yakavanzika yakatenderedza.
  • Kana kiyipadhi yakagara ** yakasimudzwa**, inonzwa rabha kana buri kana yabatwa, kana inogona kusimudzwa pakona nechigunwe chako, iPIN-yekutema matanda enhema.

4. Ongorora uye Tug iyo Cash Dispenser Shutter Door

  • Usati waisa kadhi rako, tarisa pasi paCash Dispenser Chute (panobuda mabhiri).
  • Ita shuwa kuti hapana imwe aruminiyamu kana grey plate yepurasitiki yakanamwa pamusoro pevhavha, uye tarisa kuti shutter yakagara yakapfava uye isina kuvharika.

5. Kunda Thermal & Optical Camera Ne "Two-Handed Roof + 5-Kiyi Kubata" Technique.

  • Nhanho A (Block Optical Lenses): Paunenge uchinyora PIN yako, isa ruoko rwako rweruboshwe rwakati sandarara pamusoro peruoko rwako rwerudyi sedenga kuitira kuti pasave nepamusoro, rutivi, kana mapendekete-surfer angle anogona kuona kuti zvigunwe zvako zvinodzvanya makiyi api.
  • Nhanho B (Dzima Siginecha Yako Yekupisa Kupisa): Nekuti makiyipadhi esimbi eATM anochengeta kupisa kwemunwe kwemasekonzi makumi mana nemashanu kusvika makumi matanhatu, paunongodzvanya ENTER, zororera zvigunwe zvishanu zvechanza chako chakafuratira pamakiyi gumi ane nhamba (0 through 9) kwemasekonzi maviri. Kubata makiyi ese kunodziya keypad zvakafanana uye kunoparadza chero siginicha yemafuta.

Chii chinoitika mukati meATM kana Cash-Dispenser Trap ichivhara mari yako (uye nei uchifanira kumirira maminetsi matatu)

Kana tsotsi rinonamira chivharo chenhema pamusoro pechute yekuburitsa mari uye iwe ukakumbira kubviswa, imwe mechanical sequence inoitika mukati mesefe yemukati yeATM:

  1. Masekondi 0 kusvika 15 (Dispense & Jam): ATM inobvisa kubhangi account yako nemagetsi, inodhonza mabhiri kubva mukati mecaseti yemari, uye inoasundira pakuvhara yakavharwa kubuda.
  2. Sekondi 15 kusvika 90 (Iyo "Present Timeout" Window): MaATM's optical sensors anoona kuti bundle remari harina kubviswa. PamaATM mazhinji, mabhiri anogara akabatikana kuseri kwechivharo chenhema achipokana netepi inonamira yetsotsi kana foloko yewaya.
  3. Sekondi 90 kusvika 120 (Otomatiki Kudzosa Mari KANA Musungo Wakafumurwa):
  4. PamaATM emazuva ano ane anti-cash-trapping firmware, kana shutter isingakwanisi kuvhura mukati me **30 kusvika 60 seconds **, muchina unoedza ** kudzosa mabhiri kumashure mubhini rekuchenesa mukati ** uye inokwereta account yako.
  5. Zvisineyi, kana mabhiri akabatirira pandiro yekunamira yembavha kana kuroverwa pawaya foloko, muchina haukwanisi kudhonzera mabhiri mukati. Vanoramba vakagara mukati memuromo wekunze wechute vakamirira kuti uende kuti mbavha ibvise ndiro yenhema ndokuisa muhomwe mari yako.

Yako Chaiyo Nhanho-ne-Nhanho Yekuita Chirongwa Kana Mari Ikatadza Kuburitsa:

  1. Gara wakadyarwa pamberi pemuchina kweinenge 3 maminetsi akazara. Usambofa wakapinda mubhangi rekubhengi uchisiya ATM yekunze isina anotariswa; kana uine mumwe wauri kufamba naye, ita munhu mumwe chete arambe akarinda ATM screen asi wechipiri achipinda mukati kuti atore maneja webazi.
  2. Nyatsoongorora chivharo chemari. Kana ukaona chivharo chevhavha chiri pachena chakanamira pamusoro pepanobuda mari netepi ine mativi maviri, kudhonza ndiro inovhara inovhara kazhinji kunoratidza bundle rako rose remari yabviswa rakanamira kuseri kwendiro.
  3. Tora mapikicha akajeka nevhidhiyo pafoni yako. Tora mufananidzo ATM Terminal ID plaque,kadhi slot,chivhari chemari, uye pa-screen mhosho meseji nechitambi chenguva yefoni yako.
  4. Fonera nhamba yebhangi rako paspeaker foni ndakamira paATM. Udza mumiririri kuti: "Ndakamira pamberi peATM Terminal #[ID] pa[Kero]. Akaundi yangu yakabvisirwa $[Amount] pa[Nguva], muchina wacho wakaita ruzha, hapana mari yakabudiswa, uye ndinofungidzira kuti pane munhu aivharisa mari paATM paATM yeDismemedia*. Kupokana / Regulation E Claim ** uye kukupa iyo yereferensi nhamba usati waenda.

Ngwarira 'Fake Bank Helpline Sticker' Yakanamirwa Kumusoro Kwekiyipadhi

Vakarongeka Lebanese Loop crews muUK, Europe, US, neAustralia vanowanzo dhinda ma vinyl anonamira ane logo yebhangi yakabiwa inoti:

"Waita dambudziko here? Kana ATM iyi ikachengeta kadhi rako kana mari, fonera 24-Hour ATM Technical Release Desk nekukasika pa1-800-XXX-XXXX wodzvanya 1 kuti ubvise kadhi rako." Paunofonera iyo nhamba yechinamira wakamira pamushini, anonyepedzera anopindura achinyepedzera kunge ari bhangi rekuchengetedza ATM desk, anokukumbira kuti uone zita rako uye manhamba ekupedzisira emakadhi ako, uye ndokukumbira kuti **"kiyi muPIN yako ine manhamba ekiyipadhi yefoni (kana kuti ndiudze PIN yako) kuti sevha yedu iri kure itumire kubhengi iri kure kuti itumire pasi pasi. kadhi rakavharirwa pafoni, uye hapana mushandi webhangi wepamutemo anozombokumbira PIN yako. Gara uchiwana nhamba dzenhare dzebhangi rako kubva kune yako yepamutemo mobile banking app.

Kodzero yako yepamutemo yekudzoserwa 100% yemari yako: Federal Regulation E (US) uye PSD2 (UK/EU)

Kana mbavha yeLebanese Loop ikaba kadhi rako rakavharirwa ndokubvisa mari usati waimisa, kana kana musungo wekuvhara mari ukabira mari yako yawapihwa uye bhangi rinotanga rataura kuti "Nyaya yedu yemukati yeATM inoti mabhiri akaiswa," mitemo yemubatanidzwa yebhangi yevatengi inokudzivirira kana ukaita mukati memutemo wekuzivisa mafafitera:

1. United States: The Electronic Fund Transfer Act (EFTA) & CFPB Regulation E (12 CFR § 1005.6 & § 1005.11)

  • **Zero / $50 Liability Cap Kana Yataurwa Mukati 2 Bhizinesi Mazuva **: Under 12 CFR § 1005.6(b)(1), kana iwe ukazivisa bhangi rako mukati me **2 mazuva ebhizinesi ** mushure mekudzidza nezvekurasikirwa kana kubiwa kwekadhi rako rekubhengi (kusanganisira kadhi rakavharirwa muATM), mhosva yako yepamusoro yepamutemo yekubvisa kusingabvumirwi inovharwa pa ** $ 50 ** (uye $ 0 pasi peVisa / Mastercard Zero Liability network mitemo kana yaziviswa nokukurumidza).
  • Nei Mabhangi Dzimwe nguva Achiramba Zvisizvo "PIN-Authenticated" ATM Kubiridzira: Vamwe vanyori vekubhanga vekutanga vegakava vanotumira zvisizvo tsamba yefomu vachiramba chikumbiro chako nekuti "Chako chaicho EMV chip card uye 4-digit PIN yakashandiswa paATM."
  • **Maitiro Ekupidigura Kurambwa Kwakashata **: Pasi pe Nzvimbo Yevashandi veCFPB Dudziro kuMutemo E (Supplement I to Part 1005 - Comment 6(b)-2), kuregeredza kwemutengi (sekukwizwa PIN yako paATM yakavharirwa) haigone kushandiswa nebhanga kuti uwedzere chikwereti chako kupfuura iyo yemutemo $50 cap, uye pasi 15 U.S.C. § 1693g(b), ** mutoro wehumbowo uri kubhangi ** kuratidza kutengeserana kwakabvumidzwa.
  • Tumira zvakanyorwa Chiziviso Chemhosho (12 CFR § 1005.11) kuburikidza netsamba yakasimbiswa inobatanidza Nhamba Yemushumo Wemapurisa uye ichida kuti bhangi ridhonze ATM Fascia Kamera CCTV footage uye ATM Yemukati Electronic Journal (EJ) log. Pasi peRegulation E, bhangi rinofanira kuongorora mukati me10 mazuva ebhizinesi kana kudzosera account yako kwenguva.

2. United Kingdom & European Union: Payment Services Regulations 2017 / PSD2

  • Pasi pemitemo yeUK Financial Conduct Authority (FCA) uye EU Payment Services Directive 2 (PSD2), bhangi rako rinofanira kudzosera mari yakabviswa kadhi risina kutenderwa pakupera kwezuva rinotevera rebhizinesi (D+1) kunze kwekunge bhanga richikwanisa kuratidza hutsotsi kana kusava nehanya kwakadzama, uye UK Financial Ombudsman Service (FOS) yagara yatonga kuti kuwirwa neLebanese Loop kana musungo wekusevha pamapfudzi paATM kwete kuregeredza kwakakomba.

Seta Yako Yemazuva ese Yekubvisa ATM Muganho kusvika kumadhora zana kana $200 Mukati Yako Yekubhengi App.

Mabhanga mazhinji anoisa miganho yekubvisa mari paATM mazuva ese pa \(500 kusvika pa\)1,500 pazuva. Vhura mobile banking app yako nhasi, enda ku Card Controls -> Spending & Withdrawal Limits, uye isa yako yakajairwa zuva nezuva ATM muganho wemari ku $100 (kana shandura ATM Withdrawals: OFF kusvika paminiti chaiyo yaunoda kushandisa ATM). Kunyangwe kana tsotsi rakabata zvese kadhi rako nePIN yako, inoshanda kadhi yekudzora kadhi inomisa kutonhora kwekubvisa.

Nhamba dzenharaunda dzechimbichimbi uye zvirongwa zveagency

Kuzivisa kubiridzira kweATM yemuviri, makadhi anotonhora nekukurumidza, uye kuwedzera kupokana kweATM kubvisa kunotevera nzira dzakasiyana dzenyika:

  • United States neCanada:
  • Police Dispatch: Fonera 911 kana mbavha ichiri kuhwandira pedyo neATM ichiedza kukuvhundutsira, kana kufonera mapurisa enzvimbo isiri-ye emergency line akamira paATM kuti mupurisa akwanise kudzoreredza Lebanese Loop kana mari claw mudziyo.
  • Banking Regulator Escalation: Kana bhangi rako richiramba kudzosa mari yakarasika pakadhi rekuteya kana mari-shutter claw mushure mekunge waisa chirevo chemapurisa, isa chichemo chiri pamhepo ne Consumer Financial Protection Bureau (CFPB) pa consumerfinance.gov/complaint (US) kana Ombudsman for Banking Services and Investments (OBSI) pa 1-888-451-4519 (Kanadha).
  • Nyika dzakabatana:
  • ** Universal Bank Fraud Short Code (159)**: Wakamira pamberi chaipo peATM uine kadhi rakavharirwa, dial 159 pane chero nharembozha yeUK. Iyo 159 Stop Scams UK pfupikidzo yekodhi inokubatanidza zvakananga nedhipatimendi rakasimbiswa rekubiridzira remuUK bhangi rako remumugwagwa usingaise panjodzi nhamba yekunamira yenhema.
  • Mapurisa & LINK ATM Network Reporting: Fonera 999 kana munhu anofungidzirwa kuti aripo, kana 101 / Action Fraud (0300 123 2040) kuti uwane nhamba yeCrime Reference. Wedzera kukakavara kwebhangi kusina kugadziriswa ku Financial Ombudsman Service (FOS).
  • European Union:
  • Emergency Dispatch & Card Stop Hotlines: Fonera 112 kumapurisa kana musungo waonekwa pamushini. Shandisa nyika 24/7 interbank card-blocking hotlines wakamira pachiteshi:
    • France: Fonera 0 892 705 705 (kana kuvharira ipapo mubhangi app yako) uye taura collet marseillais kuPolice (17)
    • Germany: Fonera iyo yepakati kadhi-inovharira nhamba yekukurumidzira 116 116 (Sperr-Notruf) mahara, uye fonera Mapurisa (110) kuzivisa Cash-Trapping.
    • Belgium: Fonera Card Stop pa 078 170 170.
    • ** Spain / Italy / Netherlands **: Vimba nekukasira kuburikidza nebhangi app uye fonera ** 112 ** kuti mapurisa akwanise kubata hardware yekuteya.
  • Australia neNew Zealand:
  • Rubatsiro rweEmergency & Mapurisa: Fonera 000 (Australia) kana 111 (New Zealand) kana watyisidzirwa, kana Mutsetse Wekubatsira Mapurisa (131 444 muAU / 105 muNZ). Wedzera kukakavara kwekudzoserwa kwebhangi ku Australian Financial Complaints Authority (AFCA - 1800 931 678) kana Banking Ombudsman Scheme (NZ - 0800 805 950).
  • India neAsia-Pacific:
  • India: Fonera 112 (Mapurisa) uye National Cyber ​​Crime & Financial Fraud Helpline pa 1930 pakarepo uchivharira kadhi rako kuburikidza neSMS kana nharembozha. Pasi pe Reserve Bank of India (RBI) Limited Liability Circular (DBR.No.Leg.BC.78/09.07.005/2017-18), vatengi vane Zero Chikwereti chekutyorwa kweATM yechitatu kwakashumwa mukati me3 mazuva ekushanda, uye mabhanga anofanirwa kukwereta otomatiki akatadza kupihwa kwemari yeATM mukati meT+5 mazuva.
  • Singapore / Malaysia / Japan: Fonera 999 (SG/MY) kana 110 (JP) uye shandisa chiriporipo chebhangi rako Kill Switch munharembozha yako.

Mibvunzo inowanzo bvunzwa

Sei ichi chitsotsi chekuteya kadhi reATM chichinzi "Lebanese Loop"?

Interpol neEuropean banking security investigators vakagadzira izwi rekuti "Lebanese Loop" (rinozivikanwa muFrance se le collet marseillais) mukupera kwema1990 mushure mekunge mhete dzekubiridzira dzepasi rose dzakatanga kukwenenzvera hunyanzvi muBeirut neMediterranean banking hubs vasati vatumira kunze kwenyika. Chishandiso chepakutanga chakashandisa tambo yakapfava ye35mm yemifananidzo kana yekurapa X-ray firimu yakanyura mukati meiyo ATM yekuverenga kadhi slot ine tudiki diki twakapetwa twaibvumira kuti kadhi rebhangi ripinde mukati zvakanaka, asi rakabata kumucheto kwekadhi apo maATM anomhanyisa mota akaedza kuisundidzira kunze kune mutengi.

Ndingaziva sei mutsauko uripo pakati peiyo chaiyo ATM mechanicha kusashanda iyo "yakadya" kadhi rangu uye Lebanese Loop trap?

Kana ATM yepamutemo ikatora nemaune ("inotora") kadhi rako (semuenzaniso, nekuti wakapinda PIN isiriyo katatu mumutsara, kadhi rako rapera, kana kuti wakasiya kadhi rakabuda kunze kweslot kweanopfuura masekonzi makumi matatu), maATM emukati memotokari anovhomora anodhonza kadhi nzira yese kudzokera mubhini rakakiyiwa resimbi rekubata bhini rakadzika mukati mevhavha ravharwa, meseji yakanamirwa mukati mevhavha. hofisi yako yezvemari." Mune musungo weLebanese Loop, kadhi harina kumbosvika mukati mevhavha bhini; yakasungirirwa nepakati mukati mekunze kwepurasitiki huro, sikirini inowanzorembera pa "Ndapota mira" kana "Haikwanise kuverenga kadhi," uye kadhi bezel rinonzwa rakasununguka kana kuratidza diki firimu dema kana tambo yekubata hove. Nekudaro, iwe unofanirwa kubata OSE mamiriro akafanana: omesa kadhi pafoni yako app wakamira pamushini usati wambofamba kuenda.

Kana ndikakwevera pane yakasununguka yepurasitiki mari shutter uye ndikawana mari yangu yakanamatira kunama tepi kuseri kwechivharo chenhema, ndotora mari yangu here?

Hongu, kana mari yako yakanamira seri kwevhavha yevhavha yenhema uye pasina tsotsi ririkunangana newe, tora mari yako nekukasira, bata chivharo chepurasitiki chenhema chete nemacheto ayo ekunze kuitira kuti usarase mafingamire emupari wemhosva ari patepi, pinda mubazi rebhangi kana kuti nzvimbo inoungana vanhu yakachengeteka, uye fonera mapurisa nebhangi rako. Kutora mufananidzo wemusungo wakanamirwa pamushini kunotanga kupa humbowo hwesimbi kune vese mapurisa uye nedhipatimendi rekubiridzira rebhangi rako.

Sei mutorwa apinda muATM akandiudza kuti "Press Cancel kaviri wonyora PIN yako futi"?

Iye mutorwa angangoita tsotsi akaisa Lebanese Loop mukati meATM slot maminetsi gumi apfuura. Kana mupari wemhosva asina nguva yekunamira pamusoro pepinhole kamera pamusoro pekiyipadhi, vanoda nzira yekudzidza PIN yako ine manhamba usati wakanda mapfumo pasi nekufamba. Nekufamba-famba muberere uchiita kunge mumwe mutengi uye uchikuudza manyepo echokwadi ("Ah, muchina uyu unogara wakanamatira, ingobata Kanzura uye nyora PIN yako zvakare"), vanokunyengerera kuti unyore PIN yako pachena ivo vachitarisa minwe yako pafudzi rako.

Ko kana bhangi rangu rikaramba chikumbiro changu chekudzosera mari ichiti "Yako chaiyo EMV chip kadhi nePIN chaiyo zvakashandiswa, saka unofanira kunge wanga uriwe"?

Usagamuchire otomatiki yekutanga-level kuramba. Pasi peUS Federal Reserve / CFPB Regulation E (12 CFR § 1005.6) uye UK/EU PSD2 mitemo, kushandiswa kweiyo chaiyo EMV chip uye chaiyo PIN HAZVIratidzi kuti wakabvumidza kubvisa pakabiwa kadhi kuburikidza neATM trap uye PIN yakakanganiswa nekusevha pamapfudzi kana pinhole kamera. Isa chikumbiro chakanyorwa chakabatanidza nhamba yako yePolice Incident Report Number, kumbira kuti bhangi ridhonze vhidhiyo yeATM yakavakirwa-mukati mefascia kamera kubva panguva yekubviswa kwehutsotsi, uye isa chichemo kuCFPB (US), Financial Ombudsman Service (UK), kana AFCA (Australia) kana bhangi rikasadzosera mari yacho mukati memazuva gumi ebhizinesi.

Mazano anoenderana

Nzvimbo uye nhungamiro yepamutemo

  • European Association for Secure Transactions (EAST) & Europol European Cybercrime Center (EC3): European Payment Terminal Crime Reports - Physical ATM Attacks, Card Trapping (Lebanese Loop), uye Cash Trapping Typologies.
  • Consumer Financial Protection Bureau (CFPB): Electronic Fund Transfers (Regulation E, 12 CFR Part 1005) - Consumer Liability Limits yeKubvisa Kusina Kutenderwa kweATM uye Mhinduro Yevashandi Yehurumende pamusoro pePini Yakakanganiswa.
  • United States Secret Service (USSS) & Federal Bureau of Investigation (FBI): Financial Crimes Task Force Advisories paATM Skimming, Pinhole Camera Overlays, uye Physical Bezel Tampering Inspection.
  • ATM Indasitiri Association (ATMIA) & Diebold Nixdorf / NCR Chengetedzo Advisories: Yakanakisa Maitiro ePamuviri ATM Kadhi Kudzivirirwa kweVaverengi, Anti-Cash-Trapping Sensors, uye Kuziva Mutengi.
  • United Kingdom Financial Conduct Authority (FCA) & Financial Ombudsman Service (FOS): Yakapokana Cashpoint Withdrawals, Lebanese Loop Device Claims, uye 159 Stop Scams UK Banking Protocol.