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Dabinnada Kaarka ATM-ka ("Lubnaan Loop") iyo Kharash-Bixiyaha Caymiska: Waa maxay sababta aadan waligaa uga tagin mashiinka

Emergency numbers differ by country. This page uses 911, the number for the United States and Canada. Many other countries use 112, 999, or another number. Find the number for your country.

Gelida kaadhka deynta ama kaarka deynta ee Mashiinka Automated Teller Machine (ATM) kaliya si aad u haysato saxmada akhristaha kaarka mootada, liqdo kaarkaaga adiga oo aan soo celin, ama samee codka tirinta lacagta halka daahiyaha kaashka uu diidayo in la furo waa dhif iyo naadir burbur farsamo. Guud ahaan Waqooyiga Ameerika, Yurub, Boqortooyada Ingiriiska, Laatiin Ameerika, iyo Aasiya-Pacific, ATM-yada abaabulan ee khiyaanada sameeya waxay geeyaan laba hab oo dabin jireed ah, kuwaas oo kala ah **"Lubnaan Loop" kaarka-slot-sleeve ** iyo ** Cash-Bixiyaha Claw / Klue Shutter Trap *, oo si gaar ah loogu habeeyay inuu ku qabto kaarkaaga gudaha iyo biilasha 9. fog. Isla markiiba aad dhabarka u jeediso si aad u raadsato maamulaha bangiga ama aad u socotid baabuurkaaga si aad u wacdo adeegga macaamiisha, dembiilaha laba mitir kaa dambeeya adiga oo iska dhigaya in ay hubiyaan telefoonkooda (ama kuwa qabsaday lambarkaaga aqoonsiga shakhsi ahaaneed iyada oo loo marayo kamarad fiiqan, daboolka furaha, ama kamaradda kulaylka) ayaa kor u qaadaya mashiinka, soo jiidaya tabo qarsoon oo monofilament ah si aad u soo saarto kaarkaaga xanniban ama kaashka kaadhkaaga maalinlaha ah ka saarto. Haddii ATM-ku waligiis haysto kaadhkaaga ama uu ku guuldareysto inuu furo furaha lacagta caddaanka ah ka dib markaad lacagta ka jarto, ** cagahaaga si toos ah ugu beero shaashadda ATM-ka oo ha socon nambarada degdega ah haddii loo hanjabo, oo dib u eeg annaga jugsiga bangiga iyo hagaha dabada ka bixida ATM, annaga garaashka baarkinka iyo hagaha gaadmada ATM, iyo annaga muujin afduub iyo hagaha ka bixitaanka ATM-ka ee khasabka ah.

Sida laga soo xigtay Ururka Yurub ee Macaamilada Sugan (EAST), Ciidanka Sirdoonka Maraykanka ee Danbiyada Maaliyadeed ee Dhaqaale, iyo Ururka ATM Industry Association (ATMIA), kaarka-ku-qabsiga jirka iyo weerarrada lacag-dabinnada ayaa kor u kacday socdaalka EMV-ga sababtoo ah ** tuugga xado kaadhkaaga EMV-ga jireed iyo 4-nambar uma baahna inuu xidho kaadhka sirta ah ee ay u isticmaalaan jaarkaaga shanta ah*** ATM-yada oo ku iibso kaarar hadiyadeed ama qalab elektaroonig ah oo qiimo sare leh 15 daqiiqo gudahood. Fahamka injineernimada saxda ah ee gacanta filimka Loop Lubnaan, sida loo ogaado shutter lacag been ah oo guga ku raran ka hor intaadan gelin kaarkaaga, sababta qof qalaad kuu sheegayo "Riix Jooji laba jeer oo dib u geli PIN kaaga" waa tuuga dhabta ah ee goosanaysa koodkaga, iyo sida loo xiro kaarka 10 ilbiriqsi taleefankaaga adigoon mashiinku ilaalinayn koontadaada.

Hadda samee tan

  1. ** Weligaa ha ka fogaan ATM-ka haddii kaarkaagu uu ku xayiran yahay gudaha booska ama haddii mashiinku xiirto adoon bixin lacagtaada.** Labada dabin kaarka Loop ee Lubnaan iyo dabinka xidhidhka Cash-Claw waxay ku tiirsan yihiin 100 boqolkiiba inaad ka tagto mashiinka niyad jab. Si toos ah u istaag furaha furaha hortiisa ee xannibaya gelitaanka booska kaadhka iyo lacagta caddaanka ah, kala soo bax taleefankaaga casriga ah isla goobta mashiinka, fur mobaylka bangigaaga, oo beddel "Kaarka Quful" / "Freeze Debit Card" (ama hoos u dhig xadkaaga maalinlaha ah ee ATM-ka $0) ** ka hor intaadan qaadin hal talaabo oo ka fog terminalka**.
  2. *Diidi dhammaan talooyinka ka imanaya qof kasta oo wax ku ool ah oo gala qolka ATM-ka oo kuu sheegaya inaad dib u qorto PIN-kaaga. CANCEL badhanka oo ku qor PIN kaaga hal mar oo kale wuuna soo baxayaa." **Ha galin PIN-kaga
  3. **Gabi ahaanba ku dabool gacantaada wax ku qorida gacantaada kale ama boorsadaada mar kasta oo aad geliso PIN, xitaa haddii marinku madhan yahay Gacantaada oo aan gacanta ku haynin sida saqaf adag 2 sentimitir (0.8 inji) oo ka sarreeya farahaaga wax ku qorida waxay indho tirtaa lenses-ka sare ee daloolka sare iyo kamaradaha kulaylka, taasoo ka dhigaysa kaarka xanniban mid aan faa'iido lahayn.
  4. ** Haddii ATM-ku sameeyo codka farsamada ee tirinta biilasha (whir-click-click) oo fariin qoraal ah ugu diray teleefankaaga digniin ka bixid, laakiin lacag caddaan ah kuma soo bixin: ka eeg furaha lacagta caddaanka ah si aad u hesho maraq been ah oo dhejis ah. Si tartiib ah u soo jiid cidhifyada caagga lacagta caddaanka ah ee bezel; Haddii dabool been ah uu bannaanka yimaado oo muujinaya lacagtaada ku dheggan sharoobada xabagta, qaado lacagtaada, ka dhig qalabka dabinka booliiska (ku hay cidhifyada), oo wac 911/112/999 isla markaaba adigoo ammaan ah.
  5. **Ka wac bangigaaga 24/7 Adeegga Macmiilka/Waaxda Khiyaanada taleefanka hadalka markaad taagan tahay mishiinka (waligaa ha garaacin lambar taleefan oo ku daabacan warqad ku dheggan ATM-ka) wuxuu ku weydiinayaa inaad xaqiijiso PIN-kaaga 4-god ah. Kaliya garaac lambarka rasmiga ah ee abka moobilka ee bangigaaga ama degelkiisa, ka warbixi ATM Terminal ID saxda ah, oo wakiilka si joogto ah ha u joojiyo kaadhka markaad halkaas taagan tahay.
  6. **Mudnaanta sii badbaadadaada jireed: haddii shaqsiyaadka gardarada leh ay soo galaan qolka ama ay isku dayaan inay kaa fogeeyaan kaadhka ku dheggan, kaadhka ku xidh telefoonkaaga oo isla markiiba ka bax. Weligaa ha gelin iska hor imaad jidheed oo ku dhex yaal barxadda muraayadda ee kaadhka dhintay; U bax waddo dadweyne oo iftiin fiican leh ama gudaha laanta bangiga oo wac booliiska.

Waa maxay sababta 'Lubnaan Loop' uga adkaaday EMV Chip Security Adoo aan u baahnayn Skimmer

Macaamiil badan oo bangiyadu waxay aaminsan yihiin in sababta oo ah kaarkooda lacag-bixintu uu leeyahay sir ah EMV chip microprocessor, dambiilayaasha ATM-yada hadda kama xaddi karaan iyaga mashiinka lacagta. Taasi waxay run u tahay oo keliya * magnetic-stripe skimming* (ku-midabaynta kaarka nuqulka ah). Lubnaan Loop wuxuu dhaafaa sirta EMV gabi ahaanba isagoo ** xadaya kaadhkaaga chip-ka dhabta ah**. Marka tuuggu ka soo saaro wareegga filimka khafiifka ah ee raajada oo ka soo baxa booska kaadhka ee haysta kaadhkaaga dhabta ah oo uu ku daro PIN-ka 4-god ee ay ku duubeen kamarad pinhole ama garbaha-surf, waxay u socdaan ATM-ka soo socda oo ay geliyaan chip EMV-gaaga dhabta ah. Sababtoo ah kaarka iyo PIN-ka labaduba waa sax, kombayutarka bangiga ee been abuurka ah wuxuu ogol yahay lacag kasta oo kaashka ah ilaa xadkaaga maalinlaha ah ilaa aad ka dhigto kaarka.

Geedka go'aanka: dabinnada kaadhka ATM-ka iyo kala soocidda degdegga ah ee cidiyaha-shutter-ka

Raac borotokoolka tillaabo-tallaabo ah marka ATM-ku uu ku guuldareysto inuu soo celiyo kaadhkaaga ama uu ku guuldareysto inuu bixiyo lacag caddaan ah ka dib markaad ka bixiso xisaabtaada.

flowchart TD
    Start["Khatarta ATM-ka: Kaadhku Masoo Dari doono AMA Daahfurka Lacagtu Wuu Xidhan Yahay Kadib Marka La Tiriyo Codka"] --> StandGround["1. HA KA FOGIN MAKIINKA: - Si toos ah ugu hor beer furaha furaha iyo booska kaadhka - Jirkaaga ka ilaali mishiinka qof kasta oo kaa dambeeya"]

    StandGround --> StrangerCheck{"2. Miyuu soo socdaa kor u socda isagoo ku siinaya 'caawin' mise wuxuu kuu sheegayaa inaad dib u geliso PIN +kaaga?"}

    StrangerCheck -->|"HAA: Garabka Loop-ka-Surfer-ka caadiga ah ee Lubnaan"| RefuseStranger["DIIDO & KEYPAD GAASHAAN: - Weligaa dib ha u qorin PIN-kaaga - si adag u sheeg: 'Taleefanka ayaan kula jiraa ammaanka bangiga hadda' - Haddii ay noqdaan kuwo gardaran, ku xir kaadhka abka taleefanka oo ka bax ammaanka"]

    StrangerCheck -->|"MAYA: Kaligaa mashiinka"| AnomalyType{"3. Fashilkee dhacay?"}
    RefuseStranger --> AnomalyType

    AnomalyType -->|"Kaadhka Ku dheggan / Ku Hadhay Gudaha Kaadhka Akhriyaha"| CardTrapProtocol["DABINKA KAARKA ('LEBANESE LOOP') PROTOCOL: 1. Fur Mobile Banking App -> Taabo KAADHKA BADBAADIYA/BARI isla markiiba 2. U wac khadka khayaanada bangiga rasmiga ah ee taleefanka ku hadla (waligaa ha wicin nambarka dhejiska ee ATM-ka)"]

    AnomalyType -->|"Kaarka waa la soo celiyay, Akoonka waa laga dhimay, laakiin ZERO Cash ayaa soo baxay"| CashTrapProtocol["CASH-SHUTTER CLAW / PROTOCOLKA DABINKA XANUUNKA: 1. Hubi abka taleefoonka: Hadhaagaaga miyaa lagaa jaray? 2. Eeg Shutter-ka Lacag-Bixiyaha: Ma jiraa caag weji dabacsan oo ku dheggan saxanka? 3. Joog mashiinka oo wac Bank + Booliiska (911/101/112) si aad uga warbixiso Dabin Lacageed oo firfircoon"]

    CardTrapProtocol --> RegEDispute["4. ILAALI DHAQAALAHAAGA (XEERKA E / PSD2): - Hel Tixraaca Khiyaanada Bangiga # iyo ATM Terminal ID - Sawir kaarka kaadhka ATM-ka, shutter-ka lacagta, iyo aagga kamarada sare - Haddii wax lacag bixin ah oo aan la ogalayn la dhejin, gal Xeer E / sheegasho EFT aan la ogalayn"]
    CashTrapProtocol --> RegEDispute

Anatomy ee dabinka ATM-ka jirka: Sida 4-ta weerar ee qalabka u shaqeeyo iyo sida loo ogaado

Si ka duwan kuwa qoto dheer ee gelinta elektiroonigga ah ee koobiyeeya xogta si aamusan iyagoo kuu oggolaanaya inaad si caadi ah u dhammaystirto wax kala iibsigaaga, weerarrada dabinnada waxay jidh ahaan u qabtaan kaadhkaaga ama lacagtaada gudaha dariiqa. Waa kan sida qalab kasta loo dhisay iyo sida loo ogaado inta lagu guda jiro **5-ilbiriqsi kahor tijaabada jir-jiidka ee wax kala iibsiga ***:

Habka Weerarka Sida Dembiiluhu u dhiso & u rakibo Maxaa dhacaya inta aad wax kala iibsanayso Sheekooyinka Muuqaalka & Taabashada Kahor / Inta lagu jiro Isticmaalka
1. The "Lubnaan Loop" (Kaarka-Slot Sleeve / Hook) Xariijimo ah ** filim sawir leh oo khafiif ah oo raajada ah, cajalad birlab ah oo VHS ah, ama caag acetate dabacsan** (18 mm ballaaran) oo laalaabtay siddo leh bishimo yaryar oo gudaha u soo jeeda, ama xarig bir gu' bir ah oo ku dheggan khadka kalluumeysiga ee monofilament oo ku hoos jira faruuryo caag been ah Kaarkaagu waxa uu ku dul wareegayaa * gacmaha filimka gudaha booska matoorka leh. Gacanku waxa uu ka ilaaliyaa ATM-ka rogrogmada gudaha in uu qabsado ama ka saaro kaadhka (ama waxa uu kaadhka ka hor istaagaa in uu ku fadhiisto mikroswitch danbe), markaa shaashadu ama wareegtadu waa "Aan awoodin in la akhriyo kaadhka" ama way barafaysaa inta kaadhkaagu gudaha ku jiro - Kaarku wuxuu dareemaa ** cidhiidhi aan caadi ahayn ama isbuunyo *** markaad ku riixdo booska
- Taab filim madow oo yar **1-ilaa-2mm, khad kalluumaysi oo cad, ama gees duuban ** ayaa ka soo baxa geeska hoose ee cunaha akhristaha kaarka-cagaaran
- Akhristaha kaadhka caagga ah santuuqa wax yar buu lulayaa marka la jiido
2. Lacag-qeybiyaha Dabin-Xogta Daabka ("Xabagta / Velcro Bar") Faalso ** aluminium anodized ama caag cawlan la qaabeeyey oo si toos ah uga dul wareegaya ATM-ka albaabbada lacagta caddaanka ah ee matoorka leh, ku safan gudaha wejiga ** cajal laba-geesood leh oo rooga xumbo leh, xabagta jiir-jilicsan, ama ilko bir ah oo xagal sare leh *** Waxaad gelisaa kaarkaada, gelisa PIN-kaaga, oo aad codsato $400. Mashiinka gudihiisa, miiska biilku waxa uu tiriyaa labaatan $20 biilal (whir-clack-clackoo ku riixaya xidhmada dhuunta dhalmada, halkaas oo biilasha ** si toos ah ugu dhejiyaan cajalad dhegdheg ah oo ku taal dhabarka dameeraha beenta ah** halkii ay ka riixi lahaayeen albaabka furan - Xirmada qaybiyaha lacagta caddaanka ah wuxuu u eg yahay ** waxyar dib u soo baxay, soo baxay, midabkiisu aan isku mid ahayn, ama xoqday hareeraha wareegga ***
- Waxaad maqashaa miiska biilka gudaha oo ordaya oo waxaad helaysaa digniinta debit SMS, laakiin xidhidhka wuu xidhan yahay oo shaashadu waxay soo bandhigaysaa "Ciladka wax kala iibsiga / Fadlan qaado lacagtaada"
3. "Claw Cash" / Fargeeto Silig ("Trident" Qabta Gudaha) Dherer dheer, silig ** fargeeto silig birta guga fidsan ama shanlo *** ayaa si qoto dheer ugu riixday dhuunta lacagta caddaanka ah ee cunaha intii lagu jiray lacag yar oo $10 ah oo ka horraysa iyada oo daahfurku uu muddo yar furnaa. Tuuggii ayaa cidi birta ku dhex gooyay dariiqa gaadiidka lacagta caddaanka ah oo uu iska sii socdo. Marka dhibbanaha ku xiga uu kala baxo $500, biilasha waxaa lagu dhejin doonaa fargeetada siliga qoto dheer ee dhuunta; Tuuggu wuxuu soo noqdaa 30 ilbiriqsi ka dib markaad baxdo wuxuuna la soo baxay fargeetada siliga lacagtaada Xoxo yaryar ama calaamado bir ah* oo ku yaal bishinta hoose ee daah-furiyaha lacagta caddaanka ah
- Caarad siligga dhuuban ama tab bir ah oo ka muuqda gudaha tollaynta hoose ee lacagta caddaanka ah
4. Acoustic / kulaylka / indhaha ee suufka PIN-ka dul-dhaafka ah & baararka pinhole Sababtoo ah kaarka xanniban maaha wax qiimo leh PIN kaaga la'aanteed, tuuggu wuxuu rakibaa midkood:
* 0.5 mm silikoon/ bir been ah oo daboolka PIN-ka ah** si toos ah ugu koraya furaha furaha dhabta ah ee gasha furayaasha qufulka gudaha, AMA
* lens-gaab yar oo biinhole ah** oo lagu qariyay gudaha galka buug-yaraha ee balaastiga ah ee beenta ah, baarka faafinta iftiinka, ama muraayada dhinaca		 Markaad qorto PIN-kaaga 4-god ah, dulsaarku wuxuu diiwaan gelinayaa isku xigxiga badhanka saxda ah (ama kamarada pinhole waxay diiwaan gelisaa farahaaga). Xataa kamarad la'aanteed, dambiilayaasha fadhiya gaadhi u dhow waxay isticmaalaan taleefoonka casriga ah ee FLIR kamaradaha kulaylka isla markaaba markaad baxdo si aad u akhrido saxeexa kulaylka haraaga ee 4ta furaha birta ah ee aad taabatay (brightest key = last digit pressed) Keypad-ku wuxuu dareemaa ** dhumuc weyn, isbonjiray, kor u kaca oo leh hareeraha hareeraha, ama ka maqan taabasho taabasho ah ***
- In yar 1 mm dhibco madow (pinhole) lagu dhex daloolay balaastiig toos ah oo shaashadda korkeeda ah ama sanduuqa xaashida balaastiga ah ee ku dheggan dhinaca ATM-ka

Sida loo sameeyo "5-second ATM Physical Security Check" ka hor inta aanad gelin kaarkaaga

Qalab kasta oo dabin jidheed ah (ha ahaado gacan-gacmeedka Lubnan, kaarka-akhristaha beenta ah, daboolka furaha, ama saxan lacag caddaan ah oo dhejis ah) ayaa ku dheggan bannaanka ATM-ka iyadoo la adeegsanayo ** cajalad laba-geesood ah, xabag silikoon daciif ah, ama fiilooyinka is-jiidhka** si dambiiluhu u jeexjeexo kaarkaada 2 ilbiriqsi ka dib.

Kahor intaadan waligaa ka bixin kaadhkaaga debit boorsadaada, samee 5-ilbiriqsi ee kormeerka jirka:

1. U beddel taabo NFC aan lala xidhiidhin (Apple Pay / Google Pay / Tap Card) Mar kasta oo la heli karo

  • Inta badan ATM-yada bangiyada casriga ah waxay leeyihiin calaamadda ** Astaanta NFC ee aan la xidhiidhin ** (afar mawjadaha raadiyaha ee qalloocan) oo ku xiga furaha.
  • Haddii aad ku dhufatid boorsadaada casriga ah ama aad ku dhufatid kaarka jirkaaga suufka aan la xiriirin, intaad kaarka gelin lahayd booska mooto leh, ** Loop Lubnaan ma dabin karo kaadhkaaga, skimmer-ga qoto dheerna ma akhriyi karo xariijimaha birlabkaaga ***. Had iyo jeer ku isticmaal Taabo Xidhiidh la'aan ATM-yada taageera.

2. Qabso oo Wiggly-jiid Snout Reader Card (The 2-Finger Tug Test)

  • Haddii ay tahay inaad geliso kaarka, la qabso caaga kaarka akhristaha gambaleelka (sanka cagaarka ah, buluuga, ama qalinka ah ee soo baxaya) si adag suulkaaga iyo farta murdisada oo ** jiid oo u leexi bidix, midig, kor iyo hoos**.
  • Akhriyaha kaadhka ATM-ka ee warshada dhabta ah waxa uu ku xidhan yahay shasis birta gudaha ee khasnadda oo ** ma soo baxayso hal millimitir ***. Haddi bisinka balaastikada ah uu isbedelo, isbedelo, dareemo dabacsanaan, ama uu leeyahay hadhaaga xabagta ama fiilada madow ee yar oo ku dhex jirta faruuryaha booska, **ha gelin kaarkaga ***.

3. Ku orod cidigaaga hoostiisa cidhifka furaha PIN

  • Fiiri furaha PIN-ka-biraha- birta ah: furaha ATM-ka ee dhabta ah waxyar ayuu fadhiyaa ** dib loo furay *** gudaha gaashaanka asturnaanta ee ku wareegsan.
  • Haddii furaha furuhu fadhiisto ** kor loo qaaday ***, laga dareemo caag ama bannaan marka la taabto, ama lagala soo qaadi karo geeska cididaada, waa dulsaar-qorista PIN-ka oo been ah.

4. Kormeer oo Jiid Albaabka Dameeraha Cashuuraha

  • Kahor intaadan galin kaarkaga, hoos u eeg Kaash qaybiye (halkay biilasha ka soo baxaan).
  • Hubi in aanay jirin caag dheeraad ah oo aluminium ama cawl ah oo ku dheggan daloosha, oo hubi in shutter-ku u fadhiyo mid nadiif ah oo aan xidhnayn.

5. Ku garaac kulaylka & kamaradaha indhaha ee Farsamada "Saqafka Laba-gacanood + 5-Key Taabashada"

  • Tallabada A (Xirji Lens-yada indhaha): Markaad qorayso PIN-kaaga, gacantaada bidix si toos ah ugu korji gacantaada midig sida saqafka sare si aan kor, dhinac, ama xagal garbaha-kormeeraha u arkin furayaasha farahaaga riixaya.
  • Tallaabada B (Masixi Saxeexa Kulaylka Kulaylkaaga): Sababtoo ah furayaasha ATM-yada ee birta ah waxay hayaan kulaylka farta ilaa 45 ilaa 60 ilbiriqsi, ** isla marka aad riixdo ENTER, ku naso dhammaan shanta farood ee calaacashaada fidsan dhammaan 10ka fure ee lambarrada leh (0 through 9) 2 ilbiriqsi**. Taabashada furayaasha oo dhan waxay u diirisaa furaha furaha si isku mid ah waxayna burburisaa saxiix kasta oo kulayl ah.

Maxaa ka dhacaya gudaha ATM-ka marka dabin-qeybiyaha lacagta caddaanka ah uu xannibo lacagtaada (iyo sababta aad u sugto 3 daqiiqo)

Marka dembiilaha uu ku dhejiyo dabin daanyenimo been ah oo ku dul dhejiyo lacagta kaashka ah oo aad codsato ka noqoshada, nidaam gaar ah oo makaanik ah ayaa ka dhacaya gudaha gudaha ATM-ka:

  1. ** Ilbiriqsi 0 ilaa 15 (Disense & Jam)**: ATM-ku wuxuu si elektaroonik ah ugala baxayaa akoonkaaga bangiga, wuxuu biilasha ka soo jiidayaa cajaladaha lacagta caddaanka ah ee gudaha, oo ku riixaya xirmada ka bixista ee xiran.
  2. ** Ilbiriqsi 15 ilaa 90 (Daaqadda "Waqti-Waqtiga Hadda"): Dareemayaasha indhaha ee ATM-ka waxay ogaadaan in xidhmada lacagta caddaanka ah aan la saarin. ATM-yo badan, biilalku waxay ku xidhan yihiin saxamada beenta ah ee ka soo horjeeda cajaladda dhegdheg ee dembiilaha ama fargeetada siliga.
  3. ** Ilbiriqsi 90 ilaa 120 (Dib-u-noqosho Lacageed Toos ah AMA Dabin Qarsoon)**:
  4. ATM-yada casriga ah ee ku qalabaysan qalab-caash-ka-hortagga, haddii shutter-ku aanu furi karin 30 ilaa 60 ilbiriqsi gudahood, mashiinku wuxuu isku dayaa inuu ** biilasha dib ugu celiyo qashin-saar gudaha ah* oo uu xisaabiyo akoonkaaga.
  5. Si kastaba ha ahaatee, haddii biilasha ay si degdeg ah ugu dheggan yihiin saxanka xabagta ee tuugga ama lagu dhejiyo fargeeto siliga, mashiinku biilasha dib uguma soo celin karo gudaha. Waxay fadhiyaan gudaha faruuryaha bannaanka ee bushinta iyagoo ku sugaya inaad ka baxdo si uu tuuggu u siibo saxanadda beenta ah oo uu jeebka kuugu shubo lacagtaada.

Qorshahaaga Tallaabo-tallaabo ee Saxda ah ee Qorshahaaga Haddii Lacagta Lacagta ah ay ku guul daraysato inay Bixiso:

  1. Ku beero mashiinka hortiisa ugu yaraan 3 daqiiqadood oo buuxa. Waligaa ha gelin xarunta bangiga adigoon ka tagin ATM-ka dibadda; Haddi aad wehel kula joogto, hal qof ha ilaaliyo shaadhka ATM-ka inta qofka labaad uu gudaha u galo si uu u helo maamulaha laanta.
  2. Si dhow ula soco daboolka lacagta caddaanka ah. Haddii aad aragto saxan dabool been ah oo cad oo ku dheggan meesha laga baxo lacagta kaashka ah oo leh cajalad laba-geesood ah, ka jiidida saxanadda daboolka dabacsan waxay inta badan muujin doontaa dhammaan xidhmada lacagta caddaanka ah ee la baxay oo ku dheggan xagga dambe ee saxanka.
  3. **Sawiro cad iyo muuqaalo kaga qaad teleefankaaga
  4. Ka wac lambarka rasmiga ah ee bangigaga taleefoonka hadalka markaad taagan tahay ATM-ka Bixinta Muranka/Xeerka E Sheegashada oo ku siiya lambarka tixraaca codsiga ka hor intaadan bixin.

Ka digtoonow istiikarada 'khadka caawinta ee bangiga been abuurka ah' ee ku dhejisan midigta sare ee furaha

Shaqaalaha Loop-ka Lubnaan ee la soo agaasimay ee UK, Europe, US, iyo Australia waxay si joogto ah u daabacaan istiikarrada vinyl-ka ee dhalaalaya sare leh oo sita astaanta bangiga ee la xaday oo ay ku qoran tahay:

"Dhibaato ayaa haysataa Markaad garaacdo nambarkaas istiikaarka adigoo taagan mashiinka, khiyaaneeyaha sirta ah ayaa ku jawaabaya isagoo iska dhigaya inuu yahay miiska ammaanka ee bangiga ee ATM, wuxuu ku weydiinayaa inaad xaqiijiso magacaaga iyo 4ta nambar ee u dambeeya ee kaadhkaaga, ka dibna ku weydiiyo "Furaha 4-nambar PIN kaaga furaha taleefankaaga (ama ii sheeg PIN-kaaga) si uu u soo diro server-ka fog si aanu u diri karin meel fog." Kaarka jir ahaan ku xayiran taleefanka, mana jiro shaqaale bangi oo sharci ah oo waligiis ku weydiin doona PIN-kaaga. Had iyo jeer ka hel lambarka taleefankaaga bangigaaga app-ka rasmiga ah ee bangigaaga gacanta.

Xuquuqdaada sharciga ah inaad 100% lacagtaada dib ugu soo celiso: Federal Regulation E (US) iyo PSD2 (UK/EU)

Haddii tuug Loop Lubnaan ahi uu xado kaadhkaaga xanniban oo uu lacag caddaan ah kala baxo ka hor intaadan xidhin, ama haddii dabin-caash ah uu xado lacagtaada la bixiyo oo bangigu marka hore sheego "Jariiraddayada gudaha ee ATM-ka waxay leedahay biilasha waa la bixiyay," sharciyada bangiyada federaalka ee macaamiisha ayaa ku ilaalinaya marka aad ka shaqeyso gudaha daaqadaha warbixinta ee sharciga ah:

1. Maraykanka: Xeerka Wareejinta Lacagta Elektarooniga ah (EFTA) & Xeerka CFPB E (12 CFR § 1005.6 & § 1005.11)

  • ** Eber / $50 Koofida Masuuliyadda Marka Lagu Soo Waramayo 2 Maalmood oo Ganacsi Gudahooda ***: Hoosta 12 CFR § 1005.6(b)(1), haddii aad ogeysiiso bangigaaga gudaha 2 maalmood oo shaqo ka dib markaad ogaato luminta ama xatooyada kaarka deynta (oo uu ku jiro kaarka ku xayiran ATM-ka), mas'uuliyadda sharci ee ugu badan ee ka bixista aan la ogolayn waxay ku xaddidan tahay $50 (iyo $0 ee hoos timaada Visa/Mastercard Zero Liability network xeerarka marka si degdeg ah loo sheego).
  • **Waa maxay sababta Bangiyada mararka qaarkood ay si khaldan u diidaan "PIN-Authentiated" ATM Khiyaamo ***: Qaar ka mid ah karraaniyada khilaafka heerka koowaad ee bangiyada ayaa si qalad ah u soo dira warqad foom ah oo ay ku diidayaan sheegashadaada sababtoo ah "Kaarkaaga EMV-ga dhabta ah iyo PIN 4-god ah oo sax ah ayaa lagu isticmaalay ATM-ka."
  • Sida Loo Beddelayo Diidmada QaldanSupplement I to Part 1005 - Comment 6(b)-2*, dayacaadda macaamilka (sida in garbaha PIN-kaaga lagu dhejiyo ATM-ka xanniban) ma karo bangigu u isticmaali karo si uu u kordhiyo mas'uuliyaddaada wixii ka baxsan qaanuunka $50, iyo hoos 15 U.S.C. § 1693g(b), ** culayska caddayntu wuxuu saaran yahay bangiga ** si loo caddeeyo wax kala iibsiga la oggolaaday.
  • Soo gudbi qoraal ** Ogeysiiska Qaladka (12 CFR § 1005.11** iyada oo loo marayo boostada shahaadeysan ee ku lifaaqan ** Lambarka Warbixinta Booliiska ** oo dalbanaya in bangigu jiido ** ATM Fascia Camera CCTV footage** iyo ** ATM Internal Electronic Journal (EJ) log**. Sida ku cad Xeerka E, bangigu waa inuu baara gudaha 10 maalmood oo shaqo ama si ku meel gaadh ah u dib u xisaabiyo akoonkaaga.

2. Boqortooyada Ingiriiska & Midowga Yurub: Xeerarka Adeegyada Lacag bixinta 2017 / PSD2

  • Sida waafaqsan xeerarka Maamulka Dhaqangelinta Maaliyadeed ee UK (FCA) iyo EU ** Dardaaranka Adeegyada Lacag-bixinta 2 (PSD2), bangigaagu waa inuu soo celiyaa lacag bixinta kaadhka aan la fasaxin ** dhammaadka maalinta shaqada ee xigta (D+1 ilaa uu bangigu caddeeyo khiyaano ama dayacaad wayn, iyo UK ** Adeegga Dhexdhexaadinta Maaliyadeed (FOS)** ayaa si isdaba joog ah u xukuntay in dhibbanaha ku dhaca Loop Lubnaan ama dabinka garbaha ee ATM-ku aanu ahayn *** dayacaad wayn.

Deji Xadka Bixinta ATM-gaaga ee Maalinlaha ah $100 ama $200 Gudaha Appkaga Banking

Bangiyada intooda badani waxay dejiyaan xadka lacagta caddaanka ah ee ATM-ka maalinlaha ah ** $ 500 illaa $ 1,500 maalintii ***. Fur abkaaga bangiga gacanta maanta, tag Card Controls -> Spending & Withdrawal Limits, oo dhig xadka lacagta caddaanka ah ee ATM-gaaga maalinlaha ah $100 (ama beddel ATM Withdrawals: OFF ilaa daqiiqada saxda ah ee aad u baahan tahay inaad isticmaasho ATM). Xitaa haddii dembiilaha uu qabto kaarkaaga iyo PIN-kaaga labadaba, kaarka kontoroolka firfircooni wuxuu joojiyaa qabowga ka-noqoshada.

Lambarada degdega ah ee gobolka iyo borotokoolka wakaalada

Ka warbixinta faragelinta ATM-ka jirka, kaadhadhka qaboojinta isla markiiba, iyo sii kordhinta ka bixista ATM-ka ee lagu muransan yahay waxay raacdaa waddooyin qaran oo kala duwan:

  • **Mareykanka iyo Kanada ***:
  • ** Booliisku Dir ***: Wac 911 haddii tuuggu weli ku dhuumanayo meel u dhow ATM-ka isagoo isku dayaya inuu ku cabsi geliyo, ama wac booliiska maxalliga ah khadka aan deg-degga ahayn markaad taagan tahay ATM-ka si sarkaalku u soo ceshado Loop-ka Lubnaan ama aaladda lacagta caddaanka ah.
  • ** Kordhinta Xakamaynta Bangiyada *: Haddii bangigaagu diido inuu soo celiyo lacagta ku luntay dabin kaadhka ama ciddida kaashka ah ka dib markaad xerayso warbixinta booliiska, ka xarayso cabasho rasmi ah khadka tooska ah ** Xafiiska Ilaalinta Maaliyadeed ee Macmiilka (CFPB) at consumerfinance.gov/complaint (US) ama Ombudsman for Banking Services and Investments (OBSI) at 1-888-451-4519 (Kanada).
  • ** Boqortooyada Ingiriiska ***:
  • ** Koodhka Gaaban ee Khiyaanada Bangiga Caalamiga ah (159***: Markaad taagan tahay ATM-ka hortiisa kaadh xanniban, garaac 159 telefoon kasta oo UK ah. **159 Stop Scams UK *** koodka gaaban wuxuu si toos ah kuugu xidhaa waaxda khiyaanada la xaqiijiyay ee bangigaaga dheer ee UK adiga oo aan khatar gelin lambarka dhejiska ee been abuurka ah.
  • Booliska & Xiriirinta Shabakadda ATM-ka Warbixinta: Wac 999 haddii tuhmanuhu joogo, ama 101 / ** Khiyaanada Ficilka0300 123 2040)** si aad u hesho Lambarka Tixraaca Dambiyada. Kacsanaanta bangiyada aan la xalin una sii kordhin Adeegga Dhexdhexaadinta Maaliyadeed (FOS)**.
  • *Midowga Yurub:
  • ** Khadadka Degdegga ah ee Diritaanka & Joojinta Kaadhka ***: Wac 112 booliiska haddii dabin laga helo mashiinka. Isticmaal khadadka kaarka xannibaadda bangiga qaranka ee 24/7 markaad taagan tahay terminalka:
    • France: Wac 0 892 705 705 (ama isla markiiba ku xidh abka bangigaaga) oo ka warbixi collet marseillais Booliska (17).
    • Jarmalka: Wac lambarka degdegga ah ee kaadhka xannibaya 116 116 (Sperr-Notruf* Lacag la'aan, oo wac Booliiska (110) in la sheego Cash-Trapping.
    • Belgium: Wac Card Stop at 078 170 170.
    • **Spain/Italy/Nederlaan ***: Isla markiiba ku xannib app-kaaga bangiga oo wac 112 si booliisku u soo qabto qalabka dabinnada.
  • ** Australia iyo New Zealand ***:
  • ** Gargaarka Degdegga ah iyo Booliiska *: Wac 000 (Australia) ama 111 (New Zealand) haddii loo hanjabo, ama Khadka Caawinta Booliiska (131 444 AU/ 105 NZ). Kor u qaad khilaafyada soo celinta bangiga ee Maamulka Cabashada Maaliyadeed ee Australiya (AFCA - 1800 931 678 ama ** Qorshaha Dhexdhexaadiyaha Bangiga (NZ - 0800 805 950)**.
  • Hindiya iyo Aasiya-Baasifik ***:
  • Hindiya: Wac 112 (Booliska) iyo ** Khadka Caawinta Dambiyada Internetka & Khayaanada Maaliyadeed ee Qaranka 1930** isla markiiba markaad kaadhkaaga ku xannibayso SMS ama bangiga gacanta. Sida hoos timaada Reserve Bank of India (RBI) Wareegtada Masuuliyadda Xaddidan (DBR.No.Leg.BC.78/09.07.005/2017-18, macaamiishu waxay leeyihiin ** mas'uuliyadda eber *** jebinta ATM-ka dhinac saddexaad ee lagu soo sheegay ** 3 maalmood oo shaqo ah gudahood, bangiyada waa inay si otomaatig ah u amaahiyaan bixinta lacagta caddaanka ah ee ATM-ka ee fashilantay T+5 maalmood.
  • Singapore/Malaysia/Japan: Wac 999 (SG/MY) ama 110 (JP) oo isticmaal baankaga dagdaga ah Dila Wareega ee abkaaga moobilka.

Su'aalaha soo noqnoqda

Waa maxay sababta khayaanada kaarka ATM-ka-ku-dabanta loogu yeedhay "Lop Lubnaan"?

Interpol iyo baarayaasha amniga bangiyada Yurub waxay soo saareen ereyga "Lubnaan Lubnan" (oo loo yaqaan Faransiiska le collet marseillais) dabayaaqadii 1990-meeyadii ka dib markii faraantiyo khiyaano caalami ah ay markii ugu horreysay ku dhammaystireen farsamada Beirut iyo xarumaha bangiyada Mediterranean ka hor inta aan loo dhoofin adduunka. Aaladda asalka ahi waxay isticmaashay xadhig fudud oo 35mm sawir ah ama filim raajada caafimaad ah oo loop dhexda ka galay godka akhristaha kaadhka ATM-ka oo leh laba dabool oo yaryar oo laalaabmay kuwaas oo u oggolaaday kaarka bangigu inuu si habsami ah ugu dhex galo gudaha, laakiin wuxuu qabtay cidhifka dambe ee kaadhka markii ATM-yada matoorada leh ay isku dayeen inay dib ugu riixaan macaamiisha.

Sideen u sheegi karaa farqiga u dhexeeya cilad farsamo ee dhabta ah ee ATM-ka ee "cunay" kaarkayga iyo dabin Loop Lubnaan?

Marka ATM-ka sharciga ah uu si ula kac ah ula wareego ("qabsado") kaarkaaga (tusaale ahaan, sababtoo ah waxaad gelisay PIN khaldan saddex jeer oo isku xigta, kaarkaagu wuu dhacay, ama waxaad ka tagtay kaadhka oo ka baxay booska in ka badan 30 ilbiriqsi), ATM-yada gudaha ee matoorka leh ayaa soo jiidanaya kaadhka dhammaan habka dib ugu soo noqoshada biraha qabashada birta ah ee qoto dheer gudaha kaarka: shaashadda ayaa dib u soo celisay fariintaada. hay'ad maaliyadeed." Dabin Loop Lubnaan ah, kaarku waligii ma gaadho godka khasnadda gudaha; waxa la laalaa badhkeed gudaha dhuunta balaastikada ah, shaashadu inta badan waxa ay ku xidhan tahay "Fadlan sug" ama "Ma akhriyi karo kaarka," kaarka kaarka ayaa dareemaya dabacsanaan ama wuxuu muujinayaa filim madow oo yar ama tabka kalluumeysiga. Si kastaba ha ahaatee, waa in aad ula dhaqantaa LABADA xaaladood si isku mid ah: ku qabooji kaadhka abka talefankaaga marka aad taagan tahay mishiinka ka hor intaadan weligaa ka bixin.

Haddii aan soo jiido balaastigga lacagta caddaanka ah ee dabacsan oo aan helo lacagtayda oo ku dheggan cajalad dabool been ah gadaasheeda, miyaan qaataa lacagtayda?

Haa, haddii lacagtaadu ay si muuqata ugu dheggan tahay dhabarka daboolka beenta ah oo aanu jirin dambiile kaa hor imanaya, soo cesha lacagtaada isla markiiba, ka qabso daboolka caagga ah ee beenta ah cidhifkeeda dibadda si aadan u daadin faraha dahsoon ee dembiilaha ee cajaladda, u gudub laanta bangiga ama meel ammaan ah oo dadweyne, oo wac booliiska iyo bangigaaga. Sawir ka qaadashada dabinka ku dheggan mishiinka ayaa marka hore caddayn bir ah siisa labada dambi baadhayaasha bilayska iyo waaxda khiyaanada bangigaaga.

Muxuu qofka qariibka ah ee soo galay barxadda ATM-ka iigu yidhi "riix laba jeer oo jooji PIN-kaga mar labaad"?

Shisheeyuhu waa hubaal inuu yahay dambiilaha ku rakibay Loop-ka Lubnaan gudaha booska ATM-ka 10 daqiiqo ka hor. Haddii dembiilaha aanu haysan wakhti uu ku dhejiyo kamarad fiiqan oo sare ah oo ka sarreysa furaha, waxay u baahan yihiin qaab ay ku bartaan PIN-kaaga 4-god ka hor intaadan quusan oo aad bixin. Adiga oo dhex gasha qolka fadhiga oo iska dhigaya in uu yahay macmiil kale oo kuu sheegaya been la aamini karo ("Oh, mishiinkani had iyo jeer wuu ku dheggan yahay, kaliya qabo Cancel oo mar kale ku qor PIN-kaaga"), waxay kugu khiyaaneeyaan inaad si toos ah ugu qorto PIN-kaaga iyagoo eegaya farahaaga garabkaaga.

Maxaa dhacaya haddii bangigu diido sheegashada lacag celintayda isagoo leh "Kaarkaaga EMV ee dhabta ah iyo PIN sax ah ayaa la isticmaalay, markaa waa inay adiga ahayd"?

Ha aqbalin diidmada heerka koowaad ee tooska ah. Marka loo eego kaydka federaalka ee Maraykanka/Xeerka CFPB E (12 CFR § 1005.6) iyo UK/EU PSD2 qawaaniinta, isticmaalka EMV chip ee dhabta ah iyo PIN sax ah MA cadeeynayo inaad fasaxday ka bixitaanka markii kaadhka lagu xado dabinka ATM-ka iyo PIN-ka waxaa wax u dhimay garbaha-surfing ama kamarad pinhole ah. Gudbi rafcaan qoran oo ku lifaaqan Lambarka Warbixinta Dhacdada Booliiska, ka dalbo bangigu ka soo jiid ATM-ga kaamirada fascia ee ku dhex dhisan ee wakhtiga shaambada ka bixista been abuurka ah, oo cabasho u gudbi CFPB (US), Adeegga Dhexdhexaadinta Maaliyadda (UK), ama AFCA (Australia) haddii bangigu aanu soo celin hadhaaga 10 maalmood oo shaqo gudahood.

Tilmaamaha la xidhiidha

Ilaha iyo hanuuninta rasmiga ah

  • Ururka Yurub ee Ganacsiga Sugan (EAST) & Europol European Crime Centre (EC3):
  • Xafiiska Ilaalinta Maaliyadeed ee Macmiilka (CFPB): * Wareejinta Sanduuqa Elektrooniga ah (Xeerka E, 12 CFR Qaybta 1005) - Xadka Mas'uuliyadda Macaamilka ee Bixinta ATM-ka ee Aan La Fasaxnayn iyo Faallaynta Shaqaalaha Rasmiga ah ee PIN-ka la jabiyay*.
  • ** Adeegga Qarsoon ee Mareykanka (USSS) & Xafiiska Baarista Federaalka (FBI):** Talo-bixinta Ciidanka Dambiyada Maaliyadeed ee Ku Saabsan ATM-ka, Daad-dhaafka Kaamirada Pinhole, iyo Kormeerka Waxyeeleynta Jidhka.
  • Ururka Warshadaha ATM-ka (ATMIA) & Diebold Nixdorf/NCR La-taliyayaasha Amniga:
  • Maamulka Anshaxa Maaliyadeed ee Boqortooyada Midowday (FCA) & Adeegga Dhexdhexaadiyaha Maaliyadeed (FOS): * Ka-noqoshada Dhibcaha Cashuuraha, Sheegashada Qalabka Loop-ka Lubnaan, iyo 159-ka Khayaanada Joojinta Hab-maamuuska Bangiyada UK*.