Ubuqhophololo bokuvalwa kwenkonzo yosuku olunye: ukuqweqwedisa ikhadi elihlawulelwayo¶

Umnxeba ongalindelekanga ufika emva kwemini eshushu okanye ngexesha lesidlo sasemini esixakekileyo. Isibonakaliso somnxeba sibonakalisa elona gama kunye nenombolo yefowuni yasekuhlaleni yombane wengingqi, irhasi, okanye into eluncedo yamanzi. Ethetha ngegunya elikhawulezayo, umnxeba uzichaza njengomphathi ophezulu wokuqhawula unxibelelwano kwisebe lokuqokelela izinto eziluncedo.

Babanga ukuba iakhawunti yakho inemali eseleyo eseleyo okanye umrhumo ongarekhodwanga wesixhobo semitha esiphoswe ngexesha lophuculo lwenkqubo. Batsho ukuba igcisa eliluncedo sele lithunyelwe kwilori yenkampani kufutshane nepropathi yakho. Uxelelwe ukuba ngaphandle kokuba uhlawula kwimizuzu engamashumi amathathu ukuya kwamashumi amane anesihlanu, inkonzo yakho iya kunqunyulwa ngokukhawuleza, oko kuvusa izohlwayo zokubuyisela kunye neentsuku zokuphazamiseka.

flowchart TD
    A["Umnxeba ongenayo ugrogrisa ucimo lwenkonzo phakathi kwemizuzu engama-30 ukuya kuma-60"] --> B{"Ngaba umnxebi ufuna amakhadi esipho, MoneyPak, Cash App, Zelle, okanye Bitcoin ATM?"}
    B -->|"Ewe"| C["Vala umnxeba ngoko nangoko: ukuqinisekiswa kobuqhophololo lobuqhetseba"]
    B -->|"Hayi, kodwa ufuna intlawulo ekhawulezileyo"| D["Vala umnxeba kwaye ungaphindi ufowune kwinombolo oyinikiweyo"]
    C --> E["Jonga ibhili yephepha elisemthethweni okanye ungene kwi-portal yewebhu eluncedo ngokuthe ngqo"]
    D --> E
    E --> F{"Ngaba i-portal ye-akhawunti esemthethweni ibonisa ibhalansi ephelelwe lixesha?"}
    F -->|"Hayi, ibhalansi ngu-zero okanye yangoku"| G["Xela umnxeba ogqwethiweyo kwicandelo lobuqhetseba eliluncedo kunye ne-FTC"]
    F -->|"Ewe, ulungelelwano olufanelekileyo lukho"| H["Fowunela inombolo yefowuni esemthethweni eprintwe kwityala lokuqala"]
    H --> I["Cela isiVumelwano seNtlawulo eMiselweyo ngokusesikweni okanye ukubamba ubunzima obusemthethweni"]
    C --> J{"Ngaba intlawulo sele ithunyelwe okanye ikhowudi yekhadi kwabelwana ngayo?"}
    J -->|"Ewe"| K["Yenza intlawulo yolawulo olungxamisekileyo phakathi kwemizuzu"]
    J -->|"Hayi"| L["Vimba inombolo yomnxeba egqwethiweyo kunye nesilumkiso sasekhaya okanye abasebenzi"]

Yenza oku ngoku¶

Ukuba okwangoku usefowunini nomntu owoyikisela ukuvala izinto eziluncedo kwimizuzu nje embalwa, landela la manyathelo okhuseleko akhawulezileyo:

1. Vaka umnxeba ngoko nangoko ngaphandle kokuphikisa okanye uqinisekise iinkcukacha zakho:
   • Yaphula uqhagamshelo ngoko nangoko kuba ukuhlala emgceni kuvumela abafowuni bolwaphulo-mthetho ukuba balawule iimvakalelo zakho ngoloyiko olwenziweyo.
   • Kwala ukucofa naliphi na iqhosha lefowuni, sukulwamkela utshintsho, kwaye ungakuchazi ukuba usoloko uhlawula amatyala akho ngexesha.
   • Iinkampani eziluncedo ezisemthethweni azize zifune intlawulo ekhawulezileyo ngefowuni phantsi kwesoyikiso sokuvalwa kosuku olunye ngaphandle kwezaziso ezibhaliweyo zangaphambili.
2. **Qinisekisa ubume beakhawunti yakho yosetyenziso usebenzisa isitishi esizimeleyo **:
   • Fumana i-bill esetyenziswayo yephepha langaphambili, isitatimenti sebhanki senyanga, okanye ungene kwiakhawunti yakho ngokuthe ngqo ngewebhusayithi esemthethweni yomnikezeli.
   • Cofa inombolo yomnxeba yenkonzo yabathengi eprintwe ngokuthe ngqo kwityala lakho lezinto eziphathekayo okanye ezidweliswe kulawulo lwedolophu yakho.
   • Qinisekisa nommeli osemthethweni ukuba ngaba i-akhawunti yakho yeyangoku, idlulileyo, okanye ixhomekeke kuzo naziphi na ii-odolo zomsebenzi ezisalindelweyo.
3. Misa kwaye umise iintengiselwano ukuba sele uyithumele imali:
   • Qhagamshelana nenombolo yenkxaso yomthengi ngasemva kwalo naliphi na ikhadi lokulayisha kwakhona elihlawulelweyo okanye ikhadi lesipho ngoko nangoko ukuze uxele ubuqhetseba kunye nokumisa imali eseleyo.
   • Vula isicelo sakho sentlawulo yoontanga-kuya-kwiselula, phawula utshintshiselwano njengomlinganiso wobuqhophololo, kwaye ucele ingxabano ekhawulezileyo.
   • Yazisa iziko lakho lezemali ukuba likubambe ngobuqhophololo kwidebhithi yakho okanye ikhadi letyala ukuba uthe wabelana ngeenkcukacha zentlawulo ngexesha lokufowuna.
4. **Hlola ipropathi yakho ngokukhuselekileyo ngaphandle kokujongana nabantu abangaziwayo **:
   • Jonga ngaphandle ngefestile ukuze ubone ukuba isithuthi esingagunyaziswanga okanye umntu uphazamisana nemitha yosetyenziso lwangaphandle.
   • Gcina iingcango zangaphandle zitshixiwe, kwaye ungaphumi kwikhaya lakho okanye kwishishini lakho ukuze udibanise nabani na othi ungumqokeleli oluncedo.
   • Yazisa idesika yokuthunyelwa kwamapolisa asekuhlaleni ukuba umntu ongaziwayo kwipropati yakho uyala ukubonisa iziqinisekiso zoncedo olusemthethweni.
5. Fayila izikhalazo ezisesikweni kunye nabaphandi bobuqhetseba kunye nabalawuli abathengi:
   • Xela umzamo wokuzenza kwinkampani yakho eluncedo yokhuseleko lweshishini okanye isebe lolawulo lobuqhophololo.
   • Ngenisa ingxelo yobuqhophololo kwiKhomishini yoRhwebo yoMdibaniso kwi-ReportFraud.ftc.gov nakwikhomishini yakho yosetyenziso loluntu.
   • Fayila ingxelo yolwaphulo-mthetho kwi-intanethi kunye neZiko le-Federal Bureau of Investigation Internet Crime Complaint ukuba iimali bezihanjiswa ngokwedijithali.

I-Anatomy yorhwaphilizo loqhawulo lonxibelelwano losuku olunye¶

Ubuqhetseba bokuvala umsebenzi wosuku olunye buxhomekeke ekunyanzelisweni ngokwasengqondweni kunoxhaphazo lwesoftware yobugcisa. Amaqela ezaphuli-mthetho ayazi ukuba amakhaya namashishini akanakusebenza ngaphandle kombane, amanzi, nezibaso zokufudumeza. Ngokuyila ilahleko ekufutshane yeenkonzo ezisisiseko, abakhohlisi banyanzela amaxhoba ukuba axhalabe kakhulu apho uqinisekiso oluqhelekileyo lusehla.

Uhlaselo luqala ngokuchongwa komnxeba. Ubuqhophololo basebenzisa isoftware ukubonisa igama lokwenyani lenkampani eluncedo yengingqi kwiscreen sakho. Bahlala bekhohlisa eyona nombolo yenkonzo yomthengi kwisiteyitimenti sakho senyanga. Xa amaxhoba ebona umboneleli wabo wendawo ekuchongeni umnxeba, amathandabuzo ayehla ngaphambi kokuba aphendule.

Nje ukuba uqhagamshelwe, umnxeba uthatha isimilo esigunyazisiweyo. Bajongana nommkeli ngegama okanye babhekiselele kwidilesi efunyenwe kubathengisi bedatha. Abaqhatha bakhankanya iinombolo zetikiti zobuxoki, iikhowudi zokuthumela, kunye neenombolo zebheji zabasebenzi ukuba semthethweni kweprojekthi.

Eyona ndlela ingundoqo kukucinezelwa kwexesha elenziweyo. Umnxeba unyanzelisa ukuba igcisa lebala lipakwe ngaphandle kwengingqi, libambe umyalelo wokuqhawula umnxeba ocwangciselwe ukubulawa kwimizuzu engamashumi amathathu ukuya kwamashumi amane anesihlanu. Le festile iqine kakhulu yenziwe ngabom kuba ithintela ixhoba ekubeni liqhagamshelane namalungu osapho, lijonge isitatimenti sebhanki, okanye lityelele iziko lentlawulo elisemthethweni. Ixhoba likholelwa ukuba yonke iminithi edlulayo ibasondeza ekuhlaleni ebumnyameni kunye nokutya okonakeleyo okanye ishishini elikhubazekileyo.

flowchart TD
    A["I-Caller ID Spoofing ibonisa igama eliluncedo lengingqi kunye nenombolo yendawo"] --> B["Iskripthi esigunyazisiweyo sikhankanya ikhowudi yokuthumela yobuxoki kunye negcisa endleleni"]
    B --> C["Ukungxamiseka okwenziweyo: ukuqhawulwa kusongelwa kwi-30 ukuya kwimizuzu engama-45"]
    C --> D["Imfuno yentlawulo ekujoliswe kuyo: MoneyPak, amakhadi esipho sokuthengisa, Zelle, Bitcoin"]
    D --> E["Ukubamba umnxeba oqhubekayo: ixhoba elinyanzelwa ukuba lihlale efowunini ngelixa liqhuba ukuya evenkileni"]
    E --> F["Ukutsalwa kwekhowudi: Umkhohlisi ufuna iinombolo zePIN ngefowuni"]
    F --> G["Uqhekezo lwesibini olukhawulezileyo: ukubanga intlawulo yokuqala ayiphumelelanga okanye umrhumo uphindwe kabini"]

Abaqhankqalazi bagcina ulawulo ngokufuna ukuba umgca wefowuni uhlale uvulekile ngelixa ixhoba liqhubela kwivenkile yokuthengisa. Baqeqesha ixhoba ngento emayiyithethe koomabhalane basevenkileni ukuze baphephe izilumkiso ezichasene nobuqhophololo. Ukuba i-cashier ibuza malunga nokuthengwa kwamakhadi amakhulu, ixhoba lixelelwa ukuba litsho ukuba amakhadi zizipho zobuqu.

Iindlela zokuhlawula ezifunwayo zikhethwa ngenxa yokuba zidlula iindlela zokubuyisela umva iibhanki. Abaqhathi bafuna amakhadi e-MoneyPak, amakhadi e-Vanilla aphinde akhuphele, amakhadi esipho athengiswayo, ukudluliselwa koontanga ngeZelle, iCash App, okanye iVenmo, okanye iidiphozithi zeBitcoin kwiATM. Nje ukuba ixhoba lifunde iikhowudi ze-alphanumeric ze-serial okanye iithokheni zokudluliselwa, iimali zihanjiswa kude nonxweme kwimizuzwana.

Kwiimeko ezininzi, abakwa-scammers benza ubuqhetseba besibini ngokukhawuleza emva kokufumana intlawulo yokuqala. Umnxeba ubanga ukuba utshintshiselwano lokuqala aluphumelelanga ngenxa yempazamo yentlawulo yenkqubo, okanye afune idiphozithi yemitha eyongezelelweyo phambi kokuba igcisa lijike. Amaxhoba athobelayo ngokufuthi aphulukana nemali ephindwe kabini okanye kathathu kunesambuku sokuqala ngaphambi kokuba aqonde ukuba asebenzisana nezaphuli-mthetho.

Uqhawulo losetyenziso olusemthethweni ngokuchasene nokuxhwilwa ngobuqhetseba¶

Izixhobo zoluntu ezilawulwayo zisebenza phantsi kwemigaqo-nkqubo engqongqo emiselwe ziikomishoni zenkonzo karhulumente, iibhodi zamaphondo kunye nee-arhente zolawulo zelizwe. Ezi zigunyaziso zisemthethweni ziqinisekisa inkqubo emiselweyo phambi kokuba kuqhawulwe nayiphi na indawo yokuhlala okanye yorhwebo. Abaqweqwedisi bolwaphulo-mthetho baphula yonke imithetho esemthethweni yokhuseleko lwabathengi ekhoyo.

Ukuqonda umahluko phakathi kweenkqubo ezisemthethweni zokuqhawula uqhagamshelo kunye nokuzenza ulwaphulo-mthetho kuvumela abathengi ukuba babone amabango obuqhophololo kwimizuzwana. Izinto ezisetyenziswayo ezilawulwayo kufuneka zinike izilumkiso ezibhaliweyo ezininzi ngeposi kwiiveki phambi kwexesha, zibonelele ngeziteyitimenti ezibhaliweyo zokungahlawulwa kwe-akhawunti, zinike amalungiselelo entlawulo asemthethweni, kunye nembeko yemozulu kunye nokupheliswa konyango.

Inyathelo ngenyathelo iprothokholi yokuzama: ukusingatha umnxeba osebenzayo wokuphanga¶

Xa umnxeba ongalindelekanga ubanga amandla okanye amanzi akho imizuzu kude ukuba uvalwe, eyona njongo iphambili yakho kukukhutshwa kwangoko. Ukubandakanyeka kwingxoxo-mpikiswano ende, ukuzama ukuqiqa nomntu omfowunelayo, okanye ukurhweba ngezithuko akufezi nto kwaye kugcina ingqalelo yakho iphambukisiwe ekuqinisekiseni okufanelekileyo.

Sebenzisa le protocol yokusebenza ukuqhawula ilinge lobuqhophololo kwaye uqinisekise ubume bakho obuluncedo ngokukhuselekileyo:

Isigaba 1: Ukuqhawula umnxeba ngokukhawuleza¶

Ungavolontiya ngolwazi lomntu okanye lwemali. Ukuba umnxebi ucela ukuqinisekisa inombolo yakho yoKhuseleko lweNtlalo, iinkcukacha zebhanki, okanye inombolo ye-akhawunti, yala ngokupheleleyo. Inkampani esebenzayo esemthethweni sele ineprofayile yakho ebonisiwe kwiinkqubo zayo zangaphakathi.

Hambisa ingxelo yokuvala eqinileyo kwaye uqhawule unxibelelwano ngokukhawuleza. Yitsho ngokucacileyo: "Andizenzi iintlawulo ngeefowuni ezingenayo ezingacelwanga. Ndiya kujonga i-akhawunti yam ngqo nge-portal yabathengi esemthethweni." Khawuxhome kwangoko ungalindelanga mpendulo.

Vala inombolo yefowuni engenayo kwi-handset yakho yeselula okanye inkqubo yokujonga umnxeba wasekhaya. Ngenxa yokuba iinombolo zokuchongwa komnxeba zichithwa ngokulula, ukuvala inombolo enye akuyi kumisa imizamo elandelayo evela kumanani ahlukeneyo, kodwa kuphelisa amakhonkco enkathazo ngoko nangoko.

flowchart TD
    A["Umnxeba osebenzayo wokuphanga uyaqhubeka"] --> B["Hambisa iskripthi esingathathi hlangothi: Yala intlawulo kumnxeba ongenayo"]
    B --> C["Vala ifowuni ngoko nangoko ngaphandle kokulinda impendulo"]
    C --> D["Fumana eyona bhili yephepha lamva nje okanye undwendwele iwebhusayithi esemthethweni"]
    D --> E["Jonga ibhalansi yeakhawunti kunye nomnxeba osemthethweni wenkonzo yabathengi"]
    E --> F["Cofa inombolo yenkonzo esemthethweni ngokuthe ngqo kwifowuni eyahlukileyo"]
    F --> G["Buza ummeli: Ngaba iakhawunti yam iyasebenza, idlulileyo, okanye iphantsi kokuvalwa?"]
    G --> H{"Ngaba usetyenziso luqinisekisile iodolo yokuvalwa kweqanda?"}
    H -->|"Ewe"| I["Qinisekisa umzamo wobuqhophololo, xela umnxeba ogqwethiweyo, kwaye uqalise inkqubo yesiqhelo"]
    H -->|"Hayi, ibhalansi yokwenyani ikhona"| J["Thetha iSivumelwano seNtlawulo eMiselweyo esemthethweni ngokusebenzisa izinto eziluncedo"]

Isigaba 2: Ukuqinisekiswa okuzimeleyo ngokusebenzisa amajelo aqinisekisiweyo¶

Ungaze usebenzise iinombolo zefowuni ozinikwe ngumfowuneli ongenayo. Amaqhophololo abonelela ngeenombolo ezingahlawulelwayo okanye izandiso ezithe ngqo eziqhagamshela ngqo kwimibutho ekwigumbi lebhoyila enye. Le migca eluncedo yobuxoki idlala nokubamba umculo obiwe kwaye ikopishe iimenyu ezizenzekelayo.

Fumana ingxelo yentlawulo yangaphambili eyinyani. Fumana ibhilikhwe yephepha kwiinyanga ezintathu ezidlulileyo okanye usebenzise iibhukhimakhi ezigciniweyo ukuze ungene kwiprofayile yakho yosetyenziso. Ukuba ukhangela kwi-intanethi, ziphephe iintengiso zophendlo ezixhasiweyo ezenzelwe ukulinganisa iiphothali zokungena ezisemthethweni.

Faka umnxeba ophumayo kwinombolo yokhathalelo lwabathengi eprintiweyo kwityala lakho. Thetha nommeli wenkonzo yabathengi kwaye umcele ngokuthe ngqo ukuba ahlole imeko yeakhawunti yakho. Nikezela ngenombolo yeakhawunti yakho kwityala lakho, chaza ukuba usandula kufumana umnxeba okrokrelayo wokuqhawula, kwaye ucele ukuqinisekiswa kwebhalansi yeakhawunti yakho kanye nazo naziphi na iiodolo ezisalindileyo zokuthumela.

Ukuba ummeli uyaqinisekisa ukuba ibhalansi yakho yeyangoku kwaye akukho myalelo wokuqhawula unxibelelwano olukhoyo, inkonzo yakho ayizange ibe sesichengeni. Cela ummeli ukuba abeke ubhalo lokhuseleko kwifayile yakho ebhala umzamo womgunyathi.

Inqanaba lesi-3: Ukhuseleko lwepropathi ebonakalayo kunye neeprothokholi zabakhohlisi¶

Ukuba umntu ofowunelayo ubanga ukuba igcisa lingaphandle, okanye ukuba umntu unkqonkqoza esithi ungumqokeleli wezinto eziluncedo, musa ukuluvula ucango. Izinto eziluncedo zale mihla zixhomekeke kwiimitha zedijithali ezizisebenzelayo ziqhawulwe kude kumaziko olawulo aphakathi, nto leyo eyenza ukuba undwendwelo lwamacango luvale ukuvalwa kweentlawulo.

Abasebenzi basentsimini kufuneka balandele imigangatho engqongqo yokuzazisa. Amagcisa okwenene anxiba iyunifomu enegama, abonisa iibheji zeefoto ezinamatywina enkampani kunye neenombolo zabasebenzi, kwaye aqhube izithuthi eziphawulwe ngokucacileyo.

Amagcisa aluncedo athintelwe ngokungqongqo ekuqokeleleni iintlawulo ebaleni. Abaziphathi iitheminali zamakhadi, bamkele imvulophu zemali, okanye baqokelele amakhadi okulayisha kwakhona. Ukuba kukho umntu okwindlu yakho ofuna imali ukuze agcine inkonzo isebenza, baxelele uvale umnyango ukuba ubiza amapolisa.

Iprothokholi yokunciphisa unxunguphalo ukuba imali sele idluliselwe¶

Ukuba wena okanye umsebenzi uye waba lixhoba leendlela zoxinzelelo oluphezulu kwaye wadlulisela imali okanye amanani ekhadi adiziweyo, isantya yeyona nto iphambili emisela ukuba nayiphi na inxalenye yemali yakho inokufunyanwa. Uthungelwano lolwaphulo-mthetho lubhangisa amakhadi e-prepaid kunye nokudluliselwa kwedijithali kwimizuzu nje yokufumana iikhowudi.

Yenza lo mthetho wongenelelo ngokolandelelwano ngoko nangoko:

flowchart TD
    A["Ukuqonda ukuba imali idluliselwe kuma-scammers"] --> B{"Yeyiphi indlela yokuhlawula esetyenzisiweyo?"}
    B -->|"Ukulayishwa kwakhona kwangaphambili okanye ikhadi lesipho"| C["Fowunela umnikezeli wekhadi inkxaso yabathengi ngokukhawuleza ukumisa ibhalansi"]
    B -->|"Zelle, Venmo, Cash App"| D["Ifayile yembambano yobuqhophololo engxamisekileyo kwi-app kunye nebhanki edityaniswe nebhanki"]
    B -->|"Bitcoin ATM / Crypto Kiosk"| E["Fowunela umnxeba wehotline yomsebenzisi wekiosk onehashi yentengiselwano kunye nerisithi"]
    B -->|"Ugqithiselo ngocingo (Western Union)"| F["Fowunela idesika yobuqhetseba yenkonzo yocingo ukuze ucele ukutsalelwa kwakhona ngocingo olungxamisekileyo"]
    C --> G["Cela ukutshintshwa kwekhadi layo nayiphi na imali engahlawulelwanga"]
    D --> H["Ngenisa ngokusesikweni uMmiselo E impikiswano yentengiselwano engagunyaziswanga"]
    E --> I["Ingxelo yedilesi ye-wallet kwiifemu zokuhlalutya i-blockchain kunye ne-IC3"]
    F --> J["Fumana ingxelo yamapolisa kuphando lobuqhetseba ngocingo"]

Isenzo 1: Amakhadi okulayisha kwakhona ahlawulelwe kwangaphambili kunye namakhadi esipho sokuthengisa¶

Xa ubuthenge amakhadi eMoneyPak, iVanilla ephinda ilayishwa, amakhadi e-Apple, amakhadi ekujoliswe kuwo, okanye amanye amakhadi okuthengisa kwaye ufundele amanani kubaqhathi, qokelela iirisithi zakho ngoko nangoko:

• Qhagamshelana nedesika yobuqhophololo ekhupha ikhadi: Fowunela inombolo yenkxaso yomthengi ngasemva kwekhadi okanye ukupakisha ngokukhawuleza, khetha ukhetho lobuqhophololo, kwaye uxele ukuphanga.
• Cela ukumiswa kwebhalansi ngoko nangoko: Nika iinombolo zesiriyali zekhadi kunye neenkcukacha zokuvula kwirisithi. Ukuba umkhohlisi akakayicimi imali, umniki-mali unokumisa ibhalansi kwaye akhuphe ikhadi lokutshintsha.
• Gcina ubungqina obuphathekayo: Gcina amakhadi eplastiki, ukupakishwa, kunye neerisithi zokugcina. Ezi ziqulathe izitampu zexesha, iirejista zevenkile, kunye neekhowudi zentengiselwano ezifunekayo kunyanzeliso lomthetho.

Isenzo 2: Uthungelwano lweDigital peer-to-peer network (Zelle, Cash App, Venmo)¶

Ukuba uthumele imali ngesicelo sentlawulo yoontanga-kuya-kwiselula edityaniswe kwiakhawunti yakho yebhanki, thatha la manyathelo ngoko nangoko:

• Fayila ingxelo yobuqhophololo yangaphakathi kwi-app: Fumana udluliselo kwimbali yakho yomsebenzi, khetha ingxelo yengxaki okanye ubuqhophololo, kwaye uchaze ukuba ugqithiso lwanyanzeliswa ngokurhwaphiliza okuluncedo.
• Fowunela isebe lakho lobuqhophololo ebhankini: Ukudluliselwa kweP2P kurhoxisa imali ngokuthe ngqo kwi-akhawunti yediphozithi. Fowunela iziko lakho lezemali ngoko nangoko ukuze uxele utshintshiselwano oluye lwenziwa bubuqhetseba.
• Baza ukhuseleko olusemthethweni phantsi koMmiselo E: I-Consumer Financial Protection Bureau ilindele ukuba iibhanki ziphonononge udluliselo olungeyonyani. Cela impikiswano esesikweni yokudluliselwa kwengxowa-mali phantsi koMmiselo E.

Isenzo sesi-3: Ii-ATM ze-Bitcoin zoRhwebo kunye ne-cryptocurrency kiosks¶

Kwiimeko apho umkhohlisi uyalele ukuba ufake imali kwi-ATM ye-Bitcoin yorhwebo okanye i-cryptocurrency kiosk:

• Hlola irisithi eprintiweyo: Irisithi ibonisa into echonga intengiselwano, i-hash ye-blockchain, idilesi yesipaji yendawo ekuyiwa kuyo, inombolo ye-terminal ye-kiosk, kunye nenombolo yefowuni yomsebenzisi.
• Qhagamshelana nomsebenzisi wekhiyoski ngokukhawuleza: Fowunela isebe lokuthotyelwa komsebenzisi. Ukuba utshintshiselwano lulindele ukuqinisekiswa okanye luphawulwe ukuba luphononongwe, umqhubi usenokukwazi ukukumisa ugqithiselo.
• ** Yabelana ngeenkcukacha zentengiselwano kunye nabaphandi **: Ukudluliselwa kwe-Crypto kugcinwa ngokusisigxina kwiileja zoluntu. Yabelana ngedilesi ye-wallet kunye ne-hash yentengiselwano kunye nomthetho kunye ne-FBI.

Inyathelo 4: Iinkonzo zoRhwebo (Western Union, MoneyGram)¶

Ngeentlawulo ezithunyelwe ngenkonzo yocingo yorhwebo:

• Fowunela umnxeba womnxeba worhwaphilizo wengcingo: Cofa idesika yobuqhophololo engxamisekileyo yeWestern Union (1-800-448-1492 eUnited States) okanye iMoneyGram (1-800-926-9400).
• Cela ukumiswa kwengcingo okungxamisekileyo: Ukuba imali ayikaqokelelwa kwindawo yearhente, inkampani yocingo inokumisa ugqithiselo kwaye ibuyisele imali yakho.
• Gcina ikhowudi yokulandela umkhondo wentengiselwano: Yiba neNombolo yoLawulo lokuTshintshela imali (MTCN) okanye ikhowudi yereferensi ilungile xa uthetha neearhente zobuqhophololo.

Ukhuselo lwentengiso: ukukhusela iindawo zokutyela, iibhaka, kunye namashishini athengisayo¶

Amashishini amancinci, ngakumbi iindawo zokutyela, iindawo zokubhaka, iintyatyambo, kunye neemarike zegrosari, zezona zinto kujoliswe kuzo kubaphangi abavalayo. Izangqa zolwaphulo-mthetho zivuna uludwe lwezorhwebo, zibeke iliso kwiiyure zokusebenza, kunye nogwayimbo xa amashishini esengozini kakhulu.

Ukuqonda ubuthathaka borhwebo kuvumela abanini kunye nabaphathi ukuba benze lukhuni imisebenzi ngokuchasene nohlaselo lwabakhohlisi.

flowchart TD
    A["Umkhohlisi ufowunela indawo yokutyela ngexesha lesidlo sasemini esingxamisekileyo ngo-12:15 PM"] --> B["Ugrogrisa ngokuvala amandla ekhitshini, ii-walk-in coolers, kunye neetheminali zePOS"]
    B --> C["Umphathi okanye i-cashier ufumana ukothuka okukhulu ngenxa yengeniso elahlekileyo kunye nokutya okonakalisile"]
    C --> D{"Ngaba ishishini linomgaqo-nkqubo wentlawulo wolawulo-mbini olungqongqo?"}
    D -->|"Akukho mgaqo-nkqubo ukhoyo"| E["Umphathi ophakuzelayo utsala imali kwirejista okanye uthenga amakhadi esipho: Ubuqhophololo buyaphumelela"]
    D -->|"Ewe, kunyanzelisiwe SOP"| F["Umqeshwa ulandela inkqubo yokusebenza eqhelekileyo"]
    F --> G["Ukuthintela ukususwa kwemali yerejista kumatyala oncedo"]
    F --> H["Ifuna ukuqinisekiswa okuzimeleyo nge-ofisi ephambili yeshishini"]
    F --> I["Khawubeke phantsi kwaye wazise umphathi jikelele ngoko nangoko"]

I-vector yokuhlasela kwesidlo sasemini¶

Abarhwaphilizi baqhankqalaza kwiindawo zokutyela phakathi kwentsimbi ye-11:30 AM kunye ne-1:30 PM phakathi evekini ngexesha logqatso lwabathengi. Igumbi lokutyela eligcwele abaxhasi, ikhitshi elisebenzayo, kunye neendawo zokupholisa ezihambayo ezizaliswe zizinto ezibolayo zidala imeko yoxinzelelo olukhulu.

Xa umnxeba esongela ukuvalwa kwemizuzu engamashumi amathathu, umphathi wokutshintsha ujongene nesoyikiso esibi:

• Ukungaphumeleli kwefriji yokuthengisa, ebangela amawaka eedola kwi-inventory eyonakeleyo.
• Ukungakwazi ukuqhuba iihoods zokukhupha ekhitshini, iifriji, ii-oveni, ukumisa ukulungiswa kokutya.
• Ukuvalwa kweetheminali zamakhadi e-elektroniki, iisistim zeendawo zokuthengisa, kunye noodolo lwabashicileli.
• Ukufuduswa okunyanzeliswayo kweedinala ezihlawulayo, ilahleko yengeniso yemihla ngemihla, kunye nomonakalo omkhulu wophawu.

Ukujongana nesi soyikiso, ngamanye amaxesha abaphathi bayalutyeshela ulawulo lobalo. Bakhupha imali kwiirejista, bathenge amakhadi e-prepaid kwiivenkile ezikufutshane, okanye basebenzise amakhadi abo okuhlawula imali ukuze banelise iimfuno zabo, belindele ukubuyiselwa imali kamva.

Ukuseka izikhuselo zokusebenza kwezorhwebo¶

Amashishini orhwebo kufuneka aseke ulawulo lwangaphakathi oluqinileyo ukuthintela iintlawulo ezingagunyaziswanga ngexesha likaxakeka:

• Yalela ukukhutshwa kweerejista: Misela umgaqo obhaliweyo ovala ukusetyenziswa kweerejista zemali, imali encinci, okanye amakhadi etyala enkampani kwiimfuno ezingalindelekanga eziluncedo. Ifuna ukuba zonke iibhili ezisetyenziswayo zidlule kwi-accounting esembindini.
• Funa ugunyaziso oluphindwe kabini: Ugunyaziso lokuba nayiphi na intlawulo engamiselwanga engaphaya kwekhulu leedola ifumane imvume kubaphathi ababini, abafana nomphathi jikelele kunye nomlawuli wezemali.
• Posa usetyenziso oluqinisekisiweyo: Gcina uxwebhu olusemthethweni lomthengisi kufutshane neerejista ezidwelisa iinombolo zeakhawunti eziqinisekisiweyo, uqhagamshelwano olusisiseko, kunye neenombolo zenkonzo yomxhasi wokwenene.
• Ukuqhuba uqeqesho lwabasebenzi: Ukuqeqesha abaphathi beshifti kunye nabathatha imali kubuchwephesha bobuqhophololo bokuvalwa komsebenzi, kugxininiswa ukuba izinto eziluncedo zokwenyani azize zivale inkonzo ngaphandle kwezaziso zeposi ezibhaliweyo kwangaphambili.

Izikhokelo ezisemthethweni kunye nokhuseleko lolawulo¶

Zombini iikhowudi ezisemthethweni zomdibaniso kunye norhulumente zikhusela abathengi abaluncedo kwiindlela zokuqhawula unxibelelwano kunye nokuphangwa kolwaphulo-mthetho. Ukuqonda olu khuseleko lusemthethweni kunika isiqinisekiso somthetho esifunekayo ukugxotha amabango andlongo efowuni ngaphandle kwesandla.

flowchart TD
    A["Izikhuselo zabathengi ezisemthethweni nezilawulayo"] --> B["IMigaqo yeKomishoni yoBusebenzi boRhulumente kaRhulumente: Isaziso esisinyanzelo esibhaliweyo kunye nokuhlala kwesibheno"]
    A --> C["Isakhelo se-FCC STIR/SHAKEN: Ukuqinisekiswa kwefowuni kunye nokunyanzeliswa kwe-spoofing"]
    A --> D["I-FTC Act iCandelo lesi-5: Izenzo ezingalunganga, ezikhohlisayo, kunye nezobuqhophololo"]
    A --> E["Federal Criminal Code: 18 U.S.C. 1343 Ubuqhophololo kunye nokuThwaphiliza ngocingo"]

Imithetho yoqhawulo lwekomishoni yenkonzo yoluntu karhulumente¶

Ilizwe ngalinye lisebenzisa ikhomishini yoncedo lukawonke-wonke elawula umbane, irhasi, kunye nezixhobo zamanzi zabatyali-zimali. Phantsi kwemithetho yolawulo esemthethweni:

• Isaziso esisinyanzelo esibhaliweyo kwangaphambi kwexesha: Izinto ezisetyenziswayo ezilawulwayo mazithumele izaziso ezibhaliweyo zokuvala ngeposi ubuncinane kwiintsuku ezilishumi ukuya kwezilishumi elinesine phambi kokuqhawula, zilandelwa zizikhumbuzo zesibini.
• **Ingxabano elawulayo ihlala **: Xa umthengi efaka ingxabano engekho sikweni kunye ne-utility okanye i-state utility commission, i-utility inqatshelwe ngokusemthethweni ekuqhawuleni inkonzo ngexesha lophando.
• Izicwangciso zentlawulo ezisemthethweni: Imigaqo yeKhomishini ifuna ukuba izinto eziluncedo zibonelele ngeZivumelwano zeNtlawulo eMiselweyo okanye izicwangciso zentlawulo ezisekelwe kwingeniso. Abameli abanakufuna intlawulo epheleleyo ngoko nangoko xa isicwangciso sezavenge siceliwe.
• Ukumiswa kwemozulu: Uninzi lwamazwe lunyanzelisa imithetho yokubanda ebusika kunye nokukhusela ubushushu basehlotyeni okuthintela ukuqhawulwa konxibelelwano xa amaqondo obushushu ehla ngaphantsi kweqondo lomkhenkce okanye engaphezulu kwama-35 degrees celcius (95 degrees Fahrenheit).
• Ukuvalwa kwempelaveki nangeeholide: Imigaqo esetyenziswayo ivalela jikelele ukuqhawulwa konxibelelwano ngooLwezihlanu emva kwentsimbi ye-12:00 PM, ngeempelaveki, nangeeholide, abathengi abaqinisekisayo abashiywa dengwane xa iiofisi zivaliwe.

Unxibelelwano lwe-Federal kunye nemithetho yokuchasana nobuqhetseba¶

Ii-arhente zaseburhulumenteni zinyanzelisa imithetho esemthethweni ngokuchasene nokuthengisa ngomnxeba okukhohlisayo kunye nokuphangwa kweenombolo zefowuni:

• INyaniso kuMthetho weSazisi soMnxeba (47 U.S.C. iCandelo 227e): Ithintela ukusasaza ulwazi lwesazisi somfowunelwa elahlekisayo ngenjongo yobuqhophololo, ethwala izohlwayo zoluntu ezininzi ezinyanzeliswa yiFCC.
• STIR/SHAKEN ungqinisiso lomnxeba: Imithetho yeFCC ifuna abathwali baqinisekise ngokufihlakeleyo idatha yesazisi somfowunela, ukunceda uthungelwano lwasekhaya lufake iflegi yoncedo olungaqinisekanga njengogaxekile okrokrelekayo.
• UMthetho we-Federal Trade Commission Act (15 U.S.C. ICandelo lama-45): Inika i-FTC igunya lokutshutshisa izenzo zobuqhetseba, kuquka nezicwangciso apho izaphuli-mthetho zizenza izinto eziluncedo zoluntu.
• Urhwaphilizo kwi-Federal wire (18 U.S.C. ICandelo 1343): Ihlela ukusebenzisa iingcingo zamazwe ngamazwe okanye uthungelwano lwedijithali kumacebo obuqhophololo njengolwaphulo-mthetho oluthwala ukuya kutsho kwiminyaka engamashumi amabini kwintolongo yomanyano.

Uphando lobuchwephesha kunye netshati yokunika ingxelo¶

Ukufakela iingxelo kuzo zonke iinkqubo ezilawulayo, kunyanzeliso lomthetho, kunye namajelo aluncedo kudala umkhondo wophando osemthethweni ofunekayo ukuxhasa iingxabano zebhanki kunye namabango e-inshurensi.

Landela esi sikhokelo sonyuso sicwangcisiweyo ukuze uxele ubuqhophololo obuluncedo:

flowchart TD
    A["Ukudibana nomzamo wobuqhetseba wokucima"] --> B["Iirekhodi zokufowuna: Umhla, ixesha elichanekileyo, inombolo yenkohliso, amabango omnxeba"]
    B --> C["Ingxelo ngesehlo kwisebe lobuqhophololo loshishino lwengingqi"]
    C --> D["Ingxelo yefayile kunye neKomishoni yeLizwe eSebenza ngoLuntu kwiMicimbi yabaThengi"]
    D --> E["Ngenisa isikhalazo sobuqhophololo kwi-FTC kwi-ReportFraud.ftc.gov"]
    E --> F{"Ngaba iimali zemali ziye zabiwa ngempumelelo?"}
    F -->|"Hayi, ubuqhophololo buphanzile"| G["Gqibezela: Ityala elifakwe kulawulo kunye nokulandelela umthwali"]
    F -->|"Ewe, ilahleko yemali yenzeka"| H["Faka isikhalazo kwiZiko leZikhalazo zoLwaphulo-mthetho kwi-Intanethi ye-FBI (IC3.gov)"]
    H --> I["Fayila ingxelo yolwaphulo-mthetho esesikweni kwisebe lamapolisa asekuhlaleni"]
    I --> J["Hambisa ingxelo yamapolisa kwiibhanki, abaniki amakhadi, kunye nabathwali beinshurensi"]

Uluhlu lwengxelo ye-arhente kunye neemfuno zamaxwebhu¶

Xa ufaka iingxelo kumaqumrhu olawulo namapolisa, qulunqa ipakethe yobungqina equlethe:

1. Imetadata yokufowuna: Umhla, isitampu sexesha esichanekileyo, ubude bexesha lokufowuna, inombolo yefowuni ebonisiweyo, kunye nazo naziphi na iinombolo zokufowuna ezinikiweyo.
2. Iingxelo zomnxebi: Igama, inombolo yebheji yomqeshwa, ikhowudi yokuthumela itikiti, kunye nezinto eziluncedo ezibangwayo.
3. Iirekhodi zentengiselwano: Iirisithi zeGcina, ukupakishwa kothotho lwekhadi, iilog zentengiselwano zedijithali, iziteyitimenti zebhanki, okanye iirisithi ze-crypto kiosk.
4. Iingxelo eziluncedo: Amaxwebhu asuka kumnikezeli osemthethweni aqinisekisa ukuba iakhawunti yakho ayizange ibe kwimeko yokuvalwa.

Ngenisa la maxwebhu kula majelo alandelayo olawulo:

• IKomishoni yeSizwe eSebenzayo lukaRhulumente (i-PUC / i-PSC): Qhagamshelana nemicimbi yabathengi kwikhomishini yakho yelizwe, elandelela iipateni zabazenzisi kwaye ilungelelanise izilumkiso nababoneleli bengingqi.
• ** IKomishoni yoRhwebo ye-Federal (FTC) **: Faka ingxelo kwi ReportFraud.ftc.gov ukondla i-Consumer Sentinel Network database efikelelwe zii-arhente zonyanzeliso lomthetho.
• Iziko le-FBI le-Intanethi yesikhalazo soLwaphulo-mthetho (IC3): Ukuba iimali zihanjiswe ngee-apps zedijithali, udluliselo ngocingo, okanye i-crypto kiosks, ngenisa ingxelo kwa ic3.gov ukulandelela amakhonkco ubuqhophololo.
• Ukhuseleko lweshishini lommandla: Xela iminxeba yabazenzisi kwidesika yakho yobuqhetseba ukuze ukhuseleko lweshishini lukhuphe iingcebiso zengingqi kwaye lucele ukuthotywa kwemfonomfono.
• Isebe lamapolisa asekuhlaleni: Fayila ingxelo yesiganeko kumapolisa asekuhlaleni. Fumana inombolo yengxelo yamapolisa, ezifunwa ziibhanki xa zisetyenzwa ngokusesikweni iingxabano zobuqhophololo phantsi koMmiselo E.

Ukuqina kwexesha elide kwikhaya kunye nezorhwebo¶

Ukuthintela ukuphazamiseka kwiinzame zokurhwaphiliza kwixa elizayo kufuna ukusekwa okusisigxina kobugcisa, ukuziphatha, kunye nokhuselo lombutho kwikhaya lakho okanye ishishini lakho.

flowchart TD
    A["Isicwangciso sokukhusela ixesha elide"] --> B["Izihluzi ze-spam ezikwinqanaba le-Carrier kunye ne-apps ezithintela umnxeba kumntu wesithathu"]
    A --> C["Ukujongwa ngokuthe ngqo kwe-akhawunti yedijithali ngokusebenzisa i-apps esemthethweni ye-mobile"]
    A --> D["Ukubhaliswa kwesaziso somntu wesithathu kubantu abadala okanye izalamane ezisengozini"]
    A --> E["Iinkqubo zokusebenza ezisemgangathweni zabasebenzi kunye nezigunyaziso zentlawulo kumashishini"]

Ukucoca i-spam kwinqanaba le-Carrier kunye nokhuseleko lwefowuni¶

Abathwali bemfonomfono kunye nababoneleli bemfonomfono banikezela ngezixhobo zokujonga umnxeba ezivala iifowuni zobuqhophololo phambi kokuba ifowuni yakho ikhale:

• Vuselela ukhuseleko logaxekile lomthwali: Vulela ukuhluzwa kweefowuni zenethiwekhi (ezifana ne-AT&T ActiveArmor, isihluzo seFowuni seVerizon, okanye i-T-Mobile Scam Shield) ukufaka iflegi yamanani agqwethiweyo ngexesha lokwenyani.
• Fakela usetyenziso lokuvala umnxeba: Sebenzisa usetyenziso oluthembekileyo lokuhluza iminxeba yomntu wesithathu ezizoba koovimba bedatha bespam ukuvala ii-robocalls ezaziwayo kunye neenombolo zokuphanga.
• Misela imigaqo yothuliso: Vula useto oluvala iminxeba engaziwayo. Abafowunelwa bokwenyani baya kuyishiya ivoyisimeyili, ikuvumela ukuba uphonononge imiyalezo ngokuzolileyo kwaye uyiqinisekise ngezalathisi ezisemthethweni.

Ulawulo lweakhawunti yekhaya kunye nokhuseleko olunxulumeneyo olusemngciphekweni¶

Abantu abadala kunye nabantu abakwimivuzo emiselweyo bahlala bejoliswa kuba besoyika ukuphulukana nezinto zokufudumeza okanye izixhobo zonyango. Misela ezi zikhuselo kwizalamane ezisesichengeni:

• Bhalisa kwisaziso somntu wesithathu: Izinto eziluncedo ezilawulwayo zibonelela ngezaziso eziphindwe simahla. Ukuba i-akhawunti ikhe yajongana nesilumkiso sokuvalwa kokwenyani, ikopi iya kwisalamane esichongiweyo okanye umkhathaleli.
• Misa izilumkiso zeakhawunti: Lungiselela ii-akhawunti eziluncedo ukuthumela okubhaliweyo okuzenzekelayo okanye izaziso ze-imeyile nanini na xa ibhili entsha yenziwe okanye izithuba zentlawulo, iqinisekisa ibhalansi yakho yokwenyani.
• Ukuseka intlawulo ye-bill ezenzekelayo: Ukubhalisa kwiintlawulo zebhanki ezizenzekelayo zenyanga kuphelisa iibhalansi ebezilindelwe kwixesha elidlulileyo, kukunika intembelo yokuba nayiphi na ifowuni yokucinywa okungalindelekanga bubuqhophololo.

Imibuzo edla ngokubuzwa¶

Ngaba inkampani eluncedo ingavala ngokusemthethweni amandla am kwimizuzu engamashumi amathathu emva kokundifowunela?¶

Hayi, umbane olawulwayo, irhasi yendalo, kunye nezixhobo zamanzi azivumelekanga ngokusemthethweni ukuba ziqhawule inkonzo ngesaziso semizuzu engamashumi amathathu esekelwe kuphela kwifowuni engalindelekanga. Imithetho yekomishoni yoncedo lukawonke-wonke igunyazisa ukuba izibonelelo zithumele izaziso ezibhaliweyo ezininzi ngokusesikweni ngeposi yodidi lokuqala ubuncinane kwiintsuku ezilishumi ukuya kwezineshumi elinesine phambi kokuqhawulwa konxibelelwano okucwangcisiweyo, kulandele izilumkiso zesibini. Ngaphaya koku, imithetho karhulumente inika abathengi amalungelo athile enkqubo, kuquka ukukwazi ukucela isivumelwano sentlawulo esimisiweyo, ukucela uncedo lwezonyango olungxamisekileyo, okanye ukunqumamisa unyanzeliso ngokufaka imbambano yolawulo olusesikweni kunye nekhomishini yenkonzo karhulumente.

Kutheni abakhohlisi benkonzo befuna intlawulo ngamakhadi esipho okanye baphinde balayishe iipakethi?¶

Izigebenga zifuna amakhadi esipho sokuthengisa, amakhadi eGreen Dot MoneyPak, iipakethi zokulayisha kwakhona iVanila, okanye udluliselo lwemali ye-crypto kuba ezi zixhobo zentlawulo zisebenza ngaphandle kwenkqubo yebhanki yesiqhelo kwaye azinakuguqulwa. Ngokungafaniyo neentlawulo zekhadi lokuthenga ngetyala okanye ukudluliselwa kwebhanki nge-elektroniki okuthwala ukhuseleko lwengxabano yorhwaphilizo phantsi komthetho we-federal, ukufunda inombolo ye-serial yekhadi ngefowuni kuvumela izaphuli-mthetho ukuba ziphelise iimali kutshintshiselwano lwedijithali kunye neeakhawunti ezikude nonxweme ngemizuzwana. Izinto eziluncedo zikawonke-wonke zisebenza ngee-akhawunti zomrhwebi ezilawulwayo kwaye ungaze wamkele amakhadi esipho sokuthengisa, amakhadi okulayisha kwakhona imali, i-apps yentlawulo yoontanga-kunye, okanye i-cryptocurrency phantsi kwazo naziphi na iimeko.

Ndingenza ntoni ukuba umntu unkqonkqoza kumnyango wam esithi uligcisa lokuvala izinto eziluncedo?¶

Gcina iingcango zakho zangaphandle zitshixiwe, ungamvumeli umntu ukuba angene ekhayeni lakho okanye kwipropathi yakho, kwaye ufune ukubona isazisi senkampani ngefestile. Amagcisa omsebenzi wokwenyani anxiba iyunifomu yenkampani, aphatha iibheji ezisemthethweni ezifotayo zabasebenzi ezineenombolo ezilandelelanayo, kwaye aqhube izithuthi eziphawulwe ngokucacileyo. Amagcisa asebenzisekayo asemthethweni athintelwe ngokungqongqo ekuqokeleleni imali, iintlawulo zekhadi letyala, okanye amakhadi ahlawulwa ngaphambili ebaleni, ke ukuba nabani na ufuna imali emnyango wakho ukugcina inkonzo yakho isebenza, yala ukuthobela kwaye utsalele inombolo kaxakeka yamapolisa asekuhlaleni kwangoko.

Ukuba sele ndifunde iinombolo zekhadi lesipho kumntu okhohlisayo ngefowuni, ndingayifumana imali yam kwakhona?¶

Ukufumana imali kumakhadi esipho abiweyo okanye ukuphinda ulayishe iipakethi kunzima, kodwa inyathelo elikhawulezileyo ngamanye amaxesha linokugcina imali yakho ukuba umkhohlisi akakayiphelisi imali eseleyo. Shayela inombolo yenkonzo yabathengi eprintiweyo ngasemva kwekhadi lesipho somzimba okanye irisithi ngokukhawuleza, khetha ukhetho lobuqhophololo, uchaze ukuba ikhadi lisetyenziswe kwi-scam yokuphanga esebenzayo, kwaye unikeze iinombolo ze-serial kunye nerisithi yokuthenga ukuthengisa. Ukuba ulwaphulo-mthetho alukapheli imali, umniki-khadi unokumisa ibhalansi yekhadi kwaye akhuphe enye; ukwaxela ubusela kumapolisa asekuhlaleni nakwibhanki yakho ukuba imali yebhanki ibisetyenziswa.

Abaqhathi bangayenza njani i-ID yam yomnxeba ibonise igama lokwenyani kunye nenombolo yefowuni yenkampani yam yamandla yasekhaya?¶

Abarhwaphilizi bakhohlisa imiboniso yokuchongwa komnxeba besebenzisa isoftware yelizwi kwi-intanethi evumela abafowuni ukuba bafake nayiphi na inombolo yefowuni kunye negama lomnxeba abalikhethayo ngaphambi kokuba bafake umnxeba ophumayo. Obu buchwephesha, obaziwa ngokuba yi-spoofing yokuchonga umnxeba, ithumela idatha engeyonyani kuyo yonke inethiwekhi yomthumeli wefowuni ukuqhatha abamkeli ukuba bakholelwe ukuba umnxeba usuka kwinto eluncedo yasekuhlaleni ethembekileyo. Nangona abathwali bezonxibelelwano besebenzisa i-STIR/SHAKEN isakhelo soqinisekiso lwedijithali ukuchonga kunye neflegi yeefowuni ezingangqinisiswanga, abathengi bangaze baxhomekeke ekuchongeni umnxeba kuphela ukuze baqinisekise ukuba ngubani umnxeba ongalindelekanga.

Izikhokelo ezinxulumeneyo¶

• Isaziso sokuvala umsebenzi: imithetho yobunzima kunye nokubanjwa kwezonyango
• Ukuxhatshazwa kwabaqokeleli betyala: yazi amalungelo akho kwaye uyeke iminxeba
• Impikiswano yokubuyisela ikhadi letyala, i-ACH debit engagunyaziswanga, kunye noMgaqo E
• Ubuqhophololo bokudlulisa ngocingo, ubuqhophololo bokuvala izindlu nomhlaba, kunye neprotocol yokukhumbula i-SWIFT
• Ubunzima bezemali ngequbuliso: ukusinda kwangoko kunye nokuzikhusela