I-ATM Card Trapping ("iLebhanon Loop") kunye neCash-Dispenser Claw Scams: Kutheni ungaze Uwushiye umatshini¶

Ukufaka ikhadi lakho lebhanki letyala okanye letyala kuMatshini Wokuxela Okuzisebenzelayo (ATM) kuphela ukuze ube nesifundi sekhadi esinemoto, uginye ikhadi lakho ngaphandle kokulibuyisela, okanye wenze isandi sokubala imali ngelixa isivalo esikhupha imali sisala ukuvula ayifane ibe yinto eyenzeka ngoomatshini. Kuyo yonke iMntla Melika, iYurophu, iUnited Kingdom, iLatin America, kunye neAsia-Pacific, abasebenzi bobuqhetseba be-ATM basebenzise iindlela ezimbini zokubambisa ngokomzimba, ezizezi ** "iLebanese Loop" i-slot yekhadi lomkhono ** kunye ne- **Cash-Dispenser Claw / Glue Shutter Trap **, eyenzelwe ngokukodwa ukubamba ikhadi lakho okanye amatyala abanjwe ngaphakathi kwi-bezel kwaye ithatha i-bezel. Ngephanyazo ujika umva ujonge umphathi webhanki okanye uhambe uye kwimoto yakho ukubiza inkonzo yabathengi, isikrelemnqa ebesime iimitha ezimbini emva kwakho sizenza ngathi sijonga ifowuni (okanye sithathe iNombolo yakho yeSazisi soBuqu ngekhamera yepinhole, isigqubuthelo seqhosha, okanye ikhamera yokucinga nge-thermal-imaging) amanyathelo ukuya kumatshini, itsala ithebhu efihliweyo ye-monofilament ukukhupha i-monofilament efihliweyo ukuze ukhuphe i-monofilament efihliweyo ngaphambi kokuba ukhuphe ikona yakho yesitrato okanye ukhuphe imali kwikona yakho yemihla ngemihla. Ukuba i-ATM igcina ikhadi lakho okanye iyasilela ukuvula isivalo sayo semali emva kokutsala imali, ** tyala iinyawo zakho ngqo phambi kwesikrini se-ATM kwaye ungahambi **: khulula ikhadi lakho ngaphakathi kwesicelo sakho sebhanki esiphathwayo ngelixa umi kumatshini, yala lonke uncedo oluvela "kubantu ongabaziyo abanobuhlobo" kwivestibule, fowunela inombolo yobuqhophololo yebhanki ngasemva kwekhadi lakho okanye kwindawo yakho. amanani kaxakeka ukuba usongelwa, kwaye ujonge yethu jugging bank kunye ATM ukurhoxiswa umsila guide, wethu igaraji yokupaka kunye ne-ATM ye-vestibule yokulalela isikhokelo, kunye wethu express ukuxhwilwa kunye nesikhokelo ukurhoxiswa ATM ngenkani.

Ngokutsho koMbutho waseYurophu weeNtengiselwano eziKhuselekileyo (EAST), iUnited States Secret Service Financial Crimes Task Force, kunye ne-ATM Industry Association (ATMIA), ukubanjiswa kwamakhadi ngokwasemzimbeni kunye nohlaselo lokubambisa imali kuye kwanda ecaleni kokufuduka kwetshiphu ye-EMV kuba isela eliba ikhadi lakho le-EMV le-chip kunye ne-PIN yakho enamanani ama-4 ayifuni ukusebenzisa i-chipine eyona khowudi imali kwii-ATM ezintlanu ezingabamelwane kwaye uthenge amakhadi esipho sexabiso eliphezulu okanye izinto zombane kwimizuzu eli-15. Ukuqonda ubunjineli obuchanekileyo bomkhono wefilimu yeLoop yaseLebhanon, indlela yokubona i-shutter yemali yobuxoki elayishwe entwasahlobo ngaphambi kokufaka ikhadi lakho, kutheni umntu ongamaziyo ekuxelela * "Cofa uCima kabini kwaye uphinde ufake i-PIN yakho" lisela lokwenyani elivuna ikhowudi yakho, kunye nendlela yokuvala ikhadi lakho kwimizuzwana eyi-10 kwifowuni yakho ngaphandle kokukhupha idola kumatshini wakho ukhusela yonke idola.

Yenza oku ngoku¶

1. UNGAZE uhambe uye kude ne-ATM ukuba ikhadi lakho libambekile ngaphakathi kwendawo yokubeka okanye ukuba umatshini ujikeleza ngaphandle kokukhupha imali yakho. Zombini ikhadi le-Lebanese Loop ikhadi kunye ne-Cash-Claw shutter trap zixhomekeke kwi-100 yepesenti ekushiyeni umatshini ngenxa yokukhathazeka. Yima ngqo phambi kweqhosha elithintela ukufikelela kwi-slot yekhadi kunye ne-chute yemali, khupha i-smartphone yakho kanye apho kumatshini, vula i-app yebhanki yefowuni yakho, kwaye uguqule ** "Ikhadi lokutshixa" / "LiyiFreeze iKhadi leDebit"** (okanye unciphise umda wokurhoxiswa kwe-ATM yemihla ngemihla $0) phambi kokuba uthathe inyathelo elinye kude ne-terminal.
2. Yala onke amacebiso avela kuye nawuphi na "umntu obukeleyo oluncedo" ongena kwi-ATM kwivestibhule kwaye akuxelele ukuba uchwetheze kwakhona i-PIN yakho. Isikripthi sakudala sesela le-Lebanese Loop kukuhamba emva kwakho imizuzwana eyi-15 emva kokufowuna kwekhadi lakho kwaye uthi: "Owu, lo matshini wenze into efanayo kum izolo, ubambe nje phantsi CANCEL iqhosha kwaye uchwetheze i-PIN yakho ngexesha elinye kwaye ivele iphume kanye." Sukuphinda uyifake i-PIN yakho. Isela limi phezu kwegxalaba lakho lijonge iminwe yakho ukunkqaya i-PIN yakho enamanani ama-4 ukuze bakhuphe ikhadi lakho emkhonweni xa uhamba.
3. Gquma ngokupheleleyo isandla sakho sokuchwetheza ngesinye isandla okanye isipaji ngalo lonke ixesha ufaka iPIN, nokuba ivestibhule ayinanto. Abasebenzi baseLebhanon Loop bahlala bencamathelisa microscopic pinhole video camera ngaphakathi kwesibambi sencwadana yeplastiki yobuxoki ngaphezulu kwesikrini, ngaphakathi kwebar yokukhanya engaphezulu, okanye ngaphakathi kwebhezel yekhiphedi yobuxoki. Ukuqhobosha isandla sakho esingasongameliyo njengophahla oluluqilima 2 iisentimitha (0.8 intshi) ngaphezu kweminwe yakho yokuchwetheza kumfamekisa zombini iilensi zepinhole ezingaphezulu kunye neekhamera ezishushu, ukunika ikhadi elibanjiweyo lingasebenzi.
4. Ukuba i-ATM yenza isandi soomatshini sokubala amatyala (whir-click-click) kwaye uthumele isilumkiso sokutsalwa kwefowuni kwifowuni yakho, kodwa akukho mali iphumayo: jonga isivalo semali yokukhupha imali ukuze ufumane iplate yobuso encanyathiselwe bubuxoki. Amasela abambisa imali aqhoboshela i-aluminiyam egcwele intwasahlobo okanye ucango lobuxoki olufakwe kwikhaphethi enamacala amabini okanye iiprong zentsimbi ezihlabayo ngokuthe ngqo phezu kwe-ATM yokwenyani yokukhutshwa kwemali. Tsala ngobunono kwimiphetho ye-bezel ye-plastic cash dispenser; ukuba isigqubuthelo sobuxoki siyakhululeka siveza imali yakho encamatheleyo kwiteyiphu encamathelayo, thatha imali yakho, gcina isixhobo somgibe emapoliseni (usibambe ngasemaphethelweni), kwaye ufowunele 911 / 112 / 999 ngoko nangoko ngelixa uhlala ukhuselekile.
5. Fowunela i-24/7 yeSebe lakho le-24/7 yeSebe loBuqhophololo kwi-speakerphone ngelixa umi kumatshini (ungaze ucofe inombolo yefowuni eprintwe kwisincamathelisi kwi-ATM). Izaphuli-mthetho zihlala zincamathelisa into eyinyani "I-ATM Ingaphandle koMyalelo / Umnxeba woNcedo oluGciniweyo" isincamathelisi sevinyl phambi kwe-ATM kunye nenombolo yefowuni ephuma ngqo kwinqwelo-mafutha. street, ngubani okucela ukuba uqinisekise iPIN yakho enamanani ama-4. Cofa kuphela inombolo esemthethweni evela kwi-app yebhanki yakho okanye iwebhusayithi, chaza kanye Isazisi seSiteshi se-ATM, kwaye ube ne-arhente irhoxise ngokusisigxina ikhadi ngelixa umi apho.
6. Beka kuqala ukhuseleko lwakho lomzimba: ukuba abantu abandlongondlongo bangena kwivestibule okanye bazama ukukuxinanisa kude nekhadi elibambekayo, tshixa ikhadi kwifowuni yakho kwaye uphume kwangoko. Nje ukuba ucofe "Freeze / Cima iKhadi" ngaphakathi kwi-app yakho yebhanki, ikhadi leplastiki elincanyatheliswe ngaphakathi kwi-ATM slot ayikho enye into ngaphandle kweqhekeza elingenaxabiso leplastiki efileyo. Ungaze ungene kungquzulwano ngokwasemzimbeni ngaphakathi kwivestibule yeglasi ebiyelweyo ngaphezulu kwekhadi elifileyo; phuma uye kwisitrato sikawonke-wonke esikhanyiswe kakuhle okanye ngaphakathi kwisebe lebhanki kwaye ubize amapolisa.

Umthi wesigqibo: Ikhadi le-ATM lokubambisa kunye ne-cash-shutter claw triage yongxamiseko¶

Landela le ndlela yomthetho inyathelo ngenyathelo xa i-ATM isilela ukubuyisela ikhadi lakho okanye isilele ukukhupha imali emva kokutsalwa kweakhawunti yakho.

flowchart TD
    Start["Okungaqhelekanga kwi-ATM: IKhadi aliyi kuKhipha OKANYE I-Cash Shutter ihlala ivaliwe emva kokubala isandi"] --> StandGround["1. SUKUHAMBA UMSHINI: - Hlala utyalwe ngqo phambi kwephedi yamaqhosha & nekhadi slot - Gcina umzimba wakho uvale umatshini kuye nabani na olinde emva kwakho."]

    StandGround --> StrangerCheck{"2. Ngaba umntu obukeleyo uyenyuka ekunika 'uncedo' okanye ukuxelela ukuba ufake kwakhona i-PIN yakho + Ukurhoxisa?"}

    StrangerCheck -->|"EWE: I-Classic Lebanese Loop Shoulder-Surfer"| RefuseStranger["INKOLO & SHIELD KEYPAD: - UNGAZE uchwetheze kwakhona i-PIN yakho - Xela ngokungagungqiyo: 'Ndisemnxebeni kunye nokhuseleko lwam lwebhanki ngoku' - Ukuba baye baba ndlongondlongo, tshixa ikhadi kwi-app yefowuni kwaye uphume uye kukhuseleko."]

    StrangerCheck -->|"HAYI: Wedwa ematshinini"| AnomalyType{"3. Kukuphi ukungaphumeleli okwenzekayo?"}
    RefuseStranger --> AnomalyType

    AnomalyType -->|"Ikhadi lixingekile / ligcinwe Ngaphakathi kwiSilothi soMfundi weKhadi"| CardTrapProtocol["UMTHETHO WOMTHETHO WEKHADI ('LEBANESE LOOP') : 1. Vula iMobile Banking App -> Cofa i-SIMAZA / CANCEL IKHADI ngokukhawuleza 2. Tsalela umnxeba osemthethweni worhwaphilizo kwifowuni yesipika (UNGAZE ufowunele inombolo yesincamathelisi kwi-ATM)"]

    AnomalyType -->|"Ikhadi libuyisiwe, i-akhawunti ibanjwe, kodwa i-ZERO Cash yaphuma"| CashTrapProtocol["I-CASH-SHUTTER CLAW / GLUE TRAP PROTOCOL: 1. Jonga i-app yefowuni: Ngaba ibhalansi yakho yatsalwa? 2. Hlola i-Cash Dispenser Shutter: Ngaba kukho iplate yobuso yeplastiki ekhululekileyo encamatheliswe phezu kwe-chute? 3. Hlala kumatshini kwaye ufowunele iBhanki + Amapolisa (911/101/112) ukuba axele iCash Trap esebenzayo"]

    CardTrapProtocol --> RegEDispute["4. KHUSELA IIMALI ZAKHO (UMGAQO E / PSD2): - Fumana iReference yeBhanki yobuqhophololo kunye ne-ATM Terminal ID - Fota iATM card slot, cash shutter, and overhead pinhole camera area - Ukuba kukho nayiphi na idebit engagunyaziswanga iposwe, faka ifayile esemthethweni yoMmiselo E / ibango leEFT elingagunyaziswanga."]
    CashTrapProtocol --> RegEDispute

I-Anatomy yemigibe ye-ATM yomzimba: Iindlela ezi-4 zokuhlaselwa kwehardware zisebenza njani kunye nendlela yokuzibona¶

Ngokungafaniyo nokufakwa ngokunzulu kwee-skimmers ze-elektroniki ezikopa idatha ngokuthe cwaka ngelixa zikuvumela ukuba ugqibezele intengiselwano yakho ngokwesiqhelo, **ukuhlasela umgibe ** ngokwasemzimbeni ubambe ikhadi lakho okanye imali ngaphakathi kwe-bezel. Nantsi indlela esakhiwe ngayo isixhobo ngasinye kunye nendlela yokusibona ngexesha 5-yemizuzwana emi-5 yovavanyo lokutsala umzimba kwangaphambili:

Uyenza njani i-"5-Second ATM Physical Security Check" phambi kokufaka ikhadi lakho¶

Sonke isixhobo esibambekayo esibambekayo (nokuba ngumkhono weLebhanon weLoop, ibhezel yokufunda ikhadi lobuxoki, isigqubuthelo seqhosha elingaphezulu, okanye ipleyiti encamathelelweyo yemali evalayo) incamathele kumphandle we-ATM kusetyenziswa iteyiphu enamacala amabini, i-adhesive ye-silicone ebuthathaka, okanye iikliphu zokukhuhlana ukuze isikrelemnqa singayikrazula siyikhuphe kwimizuzwana emi-2 yekhadi lakho okanye libile imali.

Ngaphambi kokuba ukhuphe ikhadi lakho ledebhithi kwisipaji sakho, yenza olu hlolo lwemizuzu emi-5:

1. Tshintshela kuQhagamshelwano lwe-NFC Tap (Apple Pay / Google Pay / Tap Card) Nanini na Ikho¶

• Uninzi lwee-ATM zebhanki zala maxesha zine-Isimboli se-NFC eNgaqhagamshelwanga (amaza erediyo amane agobileyo) ecaleni kwephedi yamaqhosha.
• Ukuba ucofa i-wallet yakho ye-smartphone okanye ucofe ikhadi lakho lomzimba ngokuchasene nephedi yokungaqhagamshelwa endaweni yokufaka ikhadi kwindawo enemoto, ** iLoop yaseLebhanon ayinakubamba ikhadi lakho kwaye i-skimmer enzulu-efakayo ayinakufunda umgca wakho wemagnethi **. Ngalo lonke ixesha sebenzisa iTephu engaQhagamshelweyo kwii-ATM eziyixhasayo.

2. Bamba kwaye uWiggly-Tsala iSnout yoMfundi weKhadi (The 2-Finger Tug Test)¶

• Ukuba kufuneka ufake ikhadi lakho, bamba iplastiki ibhezel yesifundi sekhadi (impumlo eluhlaza, eluhlaza, ebhlowu, okanye esilivere ephumayo) ngokuqinileyo ngobhontsi wakho kunye nomnwe wesalathisi kwaye uyitsale kwaye uyishukumisele ekhohlo, ekunene, phezulu nasezantsi.
• Umfundi wekhadi lomzi-mveliso we-ATM wokwenyani ubotshelelwe kwintsimbi yangaphakathi yentsimbi yevault kwaye ayiyi kushukuma nemilimitha enye. Ukuba i-bezel yeplastiki iyatshintsha, iyajika, iziva ikhululekile, okanye inentsalela yeglu encangathi okanye ifilimu encinci yefilimu emnyama ngaphakathi kumlebe weslot, ** ungafaki ikhadi lakho **.

3. Sebenzisa uzipho lwakho phantsi komphetho we-PIN yekhiphedi¶

• Jonga iqhosha le-PIN yentsimbi: iqhosha le-ATM lokwenyani lihlala kancinane likhuselwe ngaphakathi kwendawo ekhuselekileyo yabucala.
• Ukuba iphedi yamaqhosha ihleli iphakanyiselwe phezulu, ivakala irabha okanye iholoholo xa ucofa, okanye inokuphakanyiswa ekoneni ngozipho lwakho, lubuxoki lokuloga ngePIN.

4. Hlola kwaye uThwebe iCash Dispenser Shutter Door¶

• Ngaphambi kokufaka ikhadi lakho, jonga phantsi kwi-Cash Dispenser Chute (apho amatyala aphuma khona).
• Qinisekisa ukuba akukho aluminiyam eyongezelelweyo okanye ipleyiti yeplastiki engwevu encanyathiselwe kwindawo evulekayo yesivalo, kwaye ujonge ukuba isivalo sihleli sigungxulwa kwaye alivalwanga.

5. Yoyisa i-Thermal & Optical Cameras Nge "Uphahla olunezandla ezimbini + 5-Key Touch" Technique¶

• Inyathelo A (IiLensi eziValela amehlo): Xa uchwetheza i-PIN yakho, phumza isandla sakho sasekhohlo sithe tyaba phezu kwesandla sakho sasekunene njengophahla ukuze kungabikho mphezulu, cala, okanye i-engile ye-surfer-surfer inokubona ukuba zeziphi izitshixo ezicofa iminwe yakho.
• Inyathelo B (Cima Umsayino Wakho Wobushushu Bobushushu): Kuba iiphedi zeATM zentsimbi zigcina ubushushu beminwe imizuzwana engama-45 ukuya kuma-60, kamsinya nje ukuba ucofa ENTER,phumza yonke iminwe emihlanu yesandla sakho esisicaba kuzo zonke izitshixo ezinamanani ali-10 (0 through 9) kwimizuzwana emi-2. Ukuchukumisa zonke izitshixo kufudumeza iphedi yamaqhosha ngokufanayo kwaye kutshabalalise naluphi na utyikityo lwe-thermal.

Kwenzeka ntoni ngaphakathi kwi-ATM xa i-Cash-Dispenser Trap ivala imali yakho (kwaye kutheni kufuneka ulinde imizuzu emi-3)¶

Xa isaphuli-mthetho sincamathelisa isivalo sobuxoki phezu kwe-chute yokukhupha imali kwaye ucela ukurhoxiswa, ulandelelwano oluthile lomatshini lwenzeka ngaphakathi kwisefu yangaphakathi ye-ATM:

1. Imizuzwana 0 ukuya kweye-15 (I-Dipense & Jam): I-ATM itsala imali kwi-akhawunti yakho yebhanki nge-elektroniki, itsale amatyala kwiikhasethi zemali yangaphakathi, ize iwatyhale kwisivalo sokuphuma esivaliweyo.
2. Imizuzwana ye-15 ukuya kweye-90 (Ifestile ye-"Present Timeout"): I-ATM's optical sensors ifumanisa ukuba inyanda yemali ayisuswanga. Kwii-ATM ezininzi, amatyala ahlala evaleleke kanye emva kwesivalo sobuxoki ngokuchasene neteyiphu encangathi yezaphuli-mthetho okanye ifolokhwe yocingo.
3. Imizuzwana ye-90 ukuya kwi-120 (Ukurhoxiswa kweMali ngokuzenzekela OKANYE Umgibe oveziweyo):
4. Kwii-ATM zanamhlanje ezixhotyiswe nge-firmware ye-anti-cash-trapping, ukuba i-shutter ayikwazi ukuvula ngaphakathi kwe- ** 30 ukuya kwi-60 imizuzwana **, umatshini uzama ** ukuhoxisa amatyala ngasemva kwi-bin yokucoca yangaphakathi ** kwaye ikhredithi i-akhawunti yakho.
5. Nangona kunjalo, ukuba amatyala ancamathele ngokukhawuleza kwipleyiti yokuncamathelisa yesela okanye ebethelelwe kwifolokhwe yocingo, umatshini awunakutsala amatyala uwabuyisele ngaphakathi. Bahlala behleli ngaphakathi kumlebe ongaphandle we-chute belinde ukuba uhambe ukuze isela likhuphe ipleyiti yobuxoki kwaye lifake imali yakho.

Esona Sicwangciso sakho sokuSebenza seNyathelo ngaNyathelo ukuba iMali isilele ukuKhutshwa:¶

1. Hlala utyaliwe phambi komatshini ubuncinane imizuzu emi-3 epheleleyo. Ungaze ungene kwindawo yokusebenzela ebhankini ushiya i-ATM yangaphandle ingajongwanga; ukuba uneqabane nawe, yiba umntu omnye ahlale egada isikrini se-ATM ngelixa umntu wesibini engena ngaphakathi ukuze afumane umphathi wesebe.
2. Jonga isivalo semali ngokufutshane. Ukuba ubona ipleyiti efihlakeleyo yobuxoki encanyatheliswe phezu kwendawo yokuphuma yemali eneteyiphu emacala amabini, ukutsala ipleyiti yokhuselo ekhululekileyo kudla ngokubonisa yonke inyanda yemali ekhutshiweyo encanyatheliswe ngasemva kwipleyiti.
3. Thatha iifoto ezicacileyo kunye nevidiyo kwifowuni yakho. Fota icwecwe leSazisi seSitena seATM,isithuba sekhadi,isixhobo sokuhambisa imali, kunyenomyalezo wempazamo okwisikrini kunye nesitampu sexesha sefowuni yakho.
4. Fowunela inombolo esemthethweni yebhanki yakho kwi-speakerphone xa umi kwi-ATM. Xelela ummeli: "Ndimi kanye phambi kweSitena se-ATM #[ID] e-[Idilesi]. I-akhawunti yam ibitsalwa nge-$[Isixa] nge-[Ixesha], umatshini wenze ingxolo yokubala, akukho mali ikhutshwayo, kwaye ndiyakrokrela ukuba kukho i-aTM evalayo ye-ATM yokungena kwi-ATM yokungena kwi-ATM ye-Dismedia kwi-ATM ye-Dismedia. Ingxabano / iBango le-E loMmiselo** kwaye ikunike inombolo yesalathiso yebango phambi kokuba uhambe.

Ilungelo lakho elisemthethweni lokufumana i-100% yemali yakho emva: i-Federal Regulation E (US) kunye ne-PSD2 (UK / EU)¶

Ukuba isela laseLebhanon le-Loop liba ikhadi lakho elibanjiweyo kwaye likhuphe imali ngaphambi kokuba ulikhenkce, okanye ukuba i-cash-shutter trap yeba imali yakho echithiweyo kwaye ibhanki iqale ibange "Ijenali yethu yangaphakathi ye-ATM ithi amatyala anikezelwe," Imithetho yebhanki yabathengi iyakukhusela xa usenza ngaphakathi kweefestile zengxelo ezisemthethweni:

1. EUnited States: UMthetho woThutho lweNgxowa-mali yeKhompyutha (i-EFTA) kunye noMgaqo we-CFPB E (12 CFR § 1005.6 & § 1005.11)¶

• Zero / $50 ICap yokuTyala xa kuxelwe phakathi kweentsuku ezi-2 zoShishino: Ngaphantsi 12 CFR § 1005.6(b)(1), Ukuba ukwazisa ibhanki yakho ngaphakathi ** iintsuku ezi-2 zoshishino ** emva kokufunda ngelahleko okanye ukubiwa kwekhadi lakho le-debit (kubandakanywa nekhadi elibanjwe kwi-ATM), uxanduva lwakho olusemthethweni lokuhoxiswa okungagunyaziswanga lufakwe kwi- ** $ 50 ** (kunye ne-$ 0 phantsi kwemithetho yenethiwekhi ye-Visa / Mastercard Zero Liability xa ingxelo ngokukhawuleza).
• Kutheni iiBhanki Ngamanye amaxesha ziLikhanyela ngendlela egwenxa "i-PIN-Authenticated" ubuqhophololo kwi-ATM: Abanye oomabhalana bebhanki abakwinqanaba lokuqala lembambano bathumela ngempazamo ileta yefomu ekhanyela ibango lakho kuba "Ikhadi lakho letshiphu le-EMV lokwenene kunye ne-PIN echanekileyo enamanani ama-4 zisetyenziswe kwi-ATM."
• Indlela yokuguqula ukukhanyela okungalunganga: Ngaphantsi kwe IiToliko zaBasebenzi be-CFPB ezisemthethweni kuMmiselo E (Supplement I to Part 1005 - Comment 6(b)-2), ukungakhathali kwabathengi (okufana nokuba ne-PIN yakho egxalabeni efakwe kwi-ATM ebanjisiweyo) ayinakukwazi ukusetyenziswa yibhanki ukunyusa ityala lakho ngaphaya kwe-50 cap esemthethweni, nangaphantsi 15 U.S.C. § 1693g(b), umthwalo wobungqina usebhankini ukubonisa ubungqina bentengiselwano egunyazisiweyo.
• Ngenisa okubhaliweyo Isaziso sempazamo (12 CFR § 1005.11) ngeposi eqinisekisiweyo encamathisela iNombolo yeNgxelo yePolisa kwaye ifuna ukuba ibhanki itsale ATM Fascia Camera CCTV footage kunye neATM Internal Electronic Journal (EJ) log. Phantsi koMmiselo E, ibhanki kufuneka iphande ngaphakathi kweentsuku zokusebenza ezili-10 okanye ifake ikhredithi okwethutyana i-akhawunti yakho.

2. I-United Kingdom kunye ne-European Union: Imigaqo yeeNkonzo zeNtlawulo 2017 / PSD2¶

• Ngaphantsi kwemigaqo ye-UK ye-Financial Conduct Authority (FCA) kunye ne-EU IiNkonzo zeNtlawulo ye-2 (PSD2), ibhanki yakho kufuneka ibuyisele ukuhoxiswa kwekhadi elingagunyaziswanga ** ekupheleni kosuku olulandelayo lomsebenzi (D+1)** ngaphandle kokuba ibhanki inobungqina bobuqhetseba okanye ukungakhathali okukhulu, kwaye i-UK Inkonzo ye-Financial Ombudsman (FOS) iye yalawula ngokuphindaphindiweyo ukuba ixhoba eliwela kwi-Loop yaseLebhanon okanye i-shourf-surfing trap kwi-ATM ** ayiyo** yokungakhathali okukhulu.

Iinombolo zengingqi zikaxakeka kunye neeprothokholi ze-arhente¶

Ukunika ingxelo ngokuphazamiseka kwe-ATM, amakhadi okukhenkceza ngoko nangoko, kunye nokunyuka kokurhoxiswa kwe-ATM okunengxabano kulandela iindlela ezahlukeneyo zelizwe:

• I-United States neKhanada:
• Ukuthunyelwa kwamapolisa: Fowunela 911 ukuba isela lisahleli kufutshane ne-ATM lizama ukukoyikisa, okanye ufowunele umgca wamapolisa ongengowongxamiseko wasekuhlaleni ngelixa umi kwi-ATM ukuze igosa likwazi ukubuyisela iLoop yaseLebhanon okanye isixhobo sozipho lwemali.
• Ukunyuka koLawulo lweBhanki: Ukuba ibhanki yakho iyala ukubuyisela imali elahlekileyo kumgibe wekhadi okanye kwi-cash-shutter claw emva kokuba ufake ingxelo yamapolisa, faka isikhalazo esisemthethweni kwi-intanethi kunye I-Consumer Financial Protection Bureau (CFPB) consumerfinance.gov/complaint (US) okanye I-Ombudsman yeeNkonzo zeBhanki kunye noTyalo-mali (OBSI) apha 1-888-451-4519 (eKhanada).
• Iunited Kingdom:
• Ikhowudi emfutshane yoBuqhophololo kwiBhanki ye-Universal (159): Ngelixa umi kanye phambi kweATM unekhadi elibanjiweyo, cofa 159 kuyo nayiphi na ifowuni yase-UK. I-159 Stop Scams UK* ikhowudi emfutshane ikudibanisa ngqo nesebe lobuqhetseba eliqinisekisiweyo lebhanki yakho yase-UK yesitrato esiphakamileyo ngaphandle kokufaka umngcipheko kwinombolo yesitikha somgunyathi.
• Amapolisa kunye ne-LINK ATM Network Reporting: Fowunela 999 ukuba kukho umrhanelwa, okanye 101 / Action fraud (0300 123 2040) ukufumana iNombolo yeSingqinisiso soLwaphulo-mthetho. Ukwandisa iimbambano zebhanki ezingasonjululwanga kwi- Financial Ombudsman Service (FOS).
• Udibano lwaseyurophu:
• I-Emergency Dispatch & Card Stop Hotline: Fowunela 112 wamapolisa ukuba umgibe ufunyenwe kumatshini. Sebenzisa iifowuni zelizwe ezingama-24/7 zokuvala ikhadi lebhanki ngelixa umi kwi-terminal:
  • France: Fowunela 0 892 705 705 (okanye vimba ngoko nangoko kwi-app yakho yebhanki) kwaye unike ingxelo collet marseillais kumaPolisa (17).
  • Jamani: Fowunela inombolo engxamisekileyo yokuthintela ikhadi 116 116 (Sperr-Notruf) simahla, kwaye ufowunele amaPolisa (110) ukunika ingxelo Cash-Trapping.
  • Belgium: Fowunela Card Stop e 078 170 170.
  • ** ISpain / Italy / Netherlands **: Vimba kwangoko nge-app yakho yebhanki kwaye ufowunele ** 112 ** ukuze amapolisa abambe izixhobo zentsimbi.
• I-Australia neNew Zealand:
• Uncedo oluNgxamisekileyo kunye noNcedo lwamaPolisa: Tsalela umnxeba 000 (Australia) okanye 111 (eNew Zealand) ukuba usongelwa, okanye **Umnxeba woNcedo lwaMapolisa (*)131 444 kwi-AU / 105 eNZ)**. Yandisa iingxabano zembuyekezo yebhanki kwi Australian Financial Complaints Authority (AFCA - 1800 931 678) okanye iSikimu seOmbudsman yeBhanki (NZ - 0800 805 950).
• Indiya kunye neAsia-Pacific:
• India: Fowunela 112 (Amapolisa) kunye neNational Cyber Crime & Financial Fraud Helpline at 1930 ngoko nangoko ngelixa uvala ikhadi lakho ngeSMS okanye kwibhanki ephathwayo. Ngaphantsi I-Reserve Bank of India (RBI) Limited Liability Circular (DBR.No.Leg.BC.78/09.07.005/2017-18), abathengi bane- Zero Liability yolwaphulo-mthetho lwe-ATM yomntu wesithathu oluxelwe ngaphakathi iintsuku ezi-3 zokusebenza, kwaye iibhanki kufuneka zifake i-ATM ngetyala ezingazange ziphumelele kwi-ATM kwisithuba seentsuku T+5.
• ISingapore / iMalaysia / Japan: Fowunela 999 (SG/MY) okanye 110 (JP) kwaye usebenzise ibhanki yakho ngoko nangoko Kill Switch kwi-app yakho yeselula.

Imibuzo edla ngokubuzwa¶

Kutheni le nto ubuqhetseba bokubambisa ikhadi le-ATM kubizwa ngokuba yi "Lebanese Loop"?¶

I-Interpol kunye nabaphandi bezokhuseleko beebhanki zaseYurophu baqulunqe igama elithi "Lebanese Loop" (eyaziwa eFransi njenge le collet marseillais) ekupheleni kweminyaka yoo-1990 emva kokuba amakhonkco orhwaphilizo kumazwe ngamazwe aqale agqibelelisa ubuchule e-Beirut nakwiindawo zebhanki zeMeditera ngaphambi kokuba zithunyelwe kumazwe ngamazwe. Isixhobo sokuqala sisebenzise umcu olula we-35mm yeefoto okanye ifilimu yeX-reyi yezonyango egotywe kwiluphu ngaphakathi kwendawo yokufunda yekhadi le-ATM eneeflephu ezimbini ezigoqiweyo ezivumela ikhadi lebhanki ukuba lityibilike ngaphakathi ngokutyibilikayo, kodwa libambe umva wekhadi xa iirola ezihamba ngeemoto ze-ATM zizama ukuyityhala ibuyele kumthengi.

Ndingawubona njani umahluko phakathi kokungasebenzi kakuhle koomatshini be-ATM "eyayitya" ikhadi lam kunye ne-Lebhanon Loop trap?¶

Xa i-ATM esemthethweni ilihlutha ngabom ("ibambe") ikhadi lakho (umzekelo, ngenxa yokuba ufake iPIN engalunganga kathathu ngokulandelelana, ikhadi lakho liphelelwe lixesha, okanye ushiye ikhadi liphuma kwindawo yokukhalela ngaphezulu kwemizuzwana engama-30), iirola ze-ATM zangaphakathi zitsala ikhadi lonke umva kwintsimbi etshixiweyo yomgqomo wokubanjwa kwentsimbi nzulu ngaphakathi kwekhusi, kwaye ikhadi lakho lifakwe ngaphakathi kwesikrini. iziko lakho lezemali." Kwi-trap ye-Loop yaseLebhanon, ikhadi alize lifike kwi-internal vault bin; Ibhijelwe embindini womqala weplastiki yangaphandle, isikrini sihlala sijinga ku-"Nceda ulinde" okanye "Akukwazi ukufunda ikhadi," kwaye i-bezel yekhadi ivakala ikhululekile okanye ibonisa ifilimu encinci emnyama okanye ithebhu yokuloba. Nangona kunjalo, kuya kufuneka uphathe EZIMBINI iimeko ngokufanayo: khulula ikhadi kwi-app yefowuni yakho ngelixa umi kumatshini ngaphambi kokuba uhambe.

Ukuba nditsala isivalo semali yeplastiki ekhululekileyo kwaye ndifumanise ukuba imali yam incamathele kwiteyiphu yokuncamathelisa emva kwesigqubuthelo sobuxoki, ngaba ndithathe imali yam?¶

Ewe, ukuba imali yakho incamathele ngasemva kwisivalo esingeyonyani kwaye akukho sikrelemnqa sijongene nawe, bamba kwakhona imali yakho kwangoko, phatha isigqubuthelo seplastiki esingeyonyani ngemiphetho yayo yangaphandle ukuze ungangcolisi iminwe efihlakeleyo yomenzi wobubi kwiteyiphu, ungene kwisebe lebhanki okanye kwindawo ekhuselekileyo yoluntu, kwaye ubize amapolisa kunye nebhanki yakho. Ukuthatha ifoto yomgibe oncanyathiselwe kumatshini kuqala kunika ubungqina bentsimbi kubo bobabini abacuphi bamapolisa kunye nesebe lobuqhetseba lebhanki yakho.

Kwakutheni ukuze umntu wasemzini ongene kwi-ATM evestibule wathi kum "Cofa u-Cancel kabini kwaye ubhale i-PIN yakho kwakhona"?¶

Loo mntu wasemzini phantse ngokuqinisekileyo ulwaphulo-mthetho olufake iLoop yaseLebhanon ngaphakathi kwi-ATM slot imizuzu eyi-10 ngaphambili. Ukuba umenzi-mthetho ubungenaxesha lokuncamathelisa ikhamera yombhobho ongaphezulu phezu kwephedi yamaqhosha, bafuna indlela yokufunda iPIN yakho enamanani ama-4 phambi kokuba uyeke uhambe. Ngokungena evestibule uzenza omnye umthengi kwaye ukuxelela ubuxoki obukholelwayo ("Owu, lo matshini uhlala uncamathele, vele ubambe u-Rhoxisa kwaye uchwetheze i-PIN yakho kwakhona"), bakukhohlisela ukuba uchwetheze i-PIN yakho kwindawo ecacileyo ngelixa bejonge iminwe yakho phezu kwegxalaba lakho.

Kuthekani ukuba ibhanki yam iyalikhanyela ibango lam lembuyekezo isithi "Ikhadi lakho lokwenyani le-EMV letshiphu kunye ne-PIN echanekileyo zisetyenzisiwe, kufanele ukuba ibinguwe"?¶

Sukuvuma ukukhanyela okuzenzekelayo kwinqanaba lokuqala. Ngaphantsi kwe-U.S. Federal Reserve / CFPB Regulation E (12 CFR § 1005.6) kunye ne-UK / EU PSD2 imithetho, ukusetyenziswa kwe-chip ye-EMV yokwenene kunye ne-PIN echanekileyo AKUKHO ubungqina bokuba ugunyazise ukurhoxiswa xa ikhadi libiwe nge-ATM trap kunye ne-PIN ithotyelwe yi-shoulder-surfing okanye i-pinhole camera. Faka isibheno esibhaliweyo esincamathisela iNombolo yeNgxelo yesiganeko samaPolisa, ifuna ukuba ibhanki itsale ividiyo yekhamera ye-ATM eyakhelweyo kwi-fascia kwi-timestamp yokuhoxiswa kobuqhophololo, kwaye ifake isikhalazo kwi-CFPB (US), i-Financial Ombudsman Service (UK), okanye i-AFCA (Australia) ukuba ibhanki ayibuyisi ibhalansi phakathi kweentsuku ze-10 zokusebenza.

Izikhokelo ezinxulumeneyo¶

• Ukujongwa kwebhanki kunye nokurhoxiswa kwe-ATM: ukujonga iliso kwindawo yokupaka
• Igaraji yokupaka, izinyuko, indawo ye-ATM, kunye nokhuseleko lwendawo yethutyana
• Ukuxhwilwa okucacileyo, ukurhoxiswa ngenkani kwe-ATM, kunye nokuxhwilwa kokwenyuka
• Impikiswano yokubuyisela ikhadi letyala, i-ACH debit engagunyaziswanga, kunye namalungelo oMmiselo E
• Uluhlu lweenombolo zexesha likaxakeka

Imithombo kunye nezikhokelo ezisemthethweni¶

• ** I-European Association for Secure Transactions (EAST) kunye ne-Europol European Cybercrime Centre (EC3): ** *Iingxelo ze-European Payment Terminal Crime Reports - Ukuhlaselwa kwe-ATM ye-Physical, i-Cad Trapping (i-Lebanese Loop), kunye ne-Cash Trapping Typologies *.
• I-Consumer Financial Protection Bureau (CFPB): UThutho lweNgxowa-mali yeKhompyutha (uMgaqo E, 12 CFR iSigaba 1005) - Imida yeTyala loMthengi lokutsalwa kwe-ATM engagunyaziswanga kunye neNgcaciso yaBasebenzi ngokusemthethweni kwii-PIN eziNcitshisiweyo.
• Inkonzo yaseUnited States eyimfihlo (i-USSS) kunye ne-Federal Bureau of Investigation (FBI): IiNgcebiso zeMisebenzi yoLwaphulo-mthetho lwezeMali kwi-ATM Skimming, i-Pinhole Camera Overlays, kunye noHlolo lwePhysical Bezel Tampering.
• I-ATM Industry Association (ATMIA) kunye ne-Diebold Nixdorf / iNCR yeeNgcebiso zoKhuseleko: IiNgcebiso eziGqwesileyo zoKhuseleko loMfundi weKhadi le-ATM loMzimba, iiSensors ezichasene neCash-Trapping, kunye nokwazisa koMthengi.
• United Kingdom Financial Conduct Authority (FCA) kunye neNkonzo ye-Financial Ombudsman (FOS): Ukuhoxiswa kweCashpoint ephikisiweyo, amaBango eSixhobo seLebanese Loop, kunye ne-159 Stop Scams UK Banking Protocol.