Today I offer you a topic that is far from creativity, as such, but you need a hand-maid like business. About security of bank cards.
Imagine how much would limit us the absence of cashless translations! Payment on the de facto bank card has become the standard of settlements between the master and the buyer. But any expansion of opportunities brings with them additional risks. Talk about how to reduce them.
Perhaps someone will say "my money in a bank, let the bank take care of them." Yes, the bank protects your funds, spends huge money for various protection systems, and if these systems will fail - any self-respecting bank will return the money to the client, lost due to the wine bank. That's just the current situation in the world of information technology such that the most vulnerable point of the banking system is a client. That is, we are with you. And if the money will disappear in our fault - they, alas, no one will compensate for us.
There are several simple rules, the execution of which significantly reduces the chances of loss of funds from your card. I hope that there will be those who consider them elementary among you. But, unfortunately, I know a sufficient number of people whose life has not yet entered this "financial hygiene".
Tip First: PIN code.
Never call anyone in any situations from your card from your card. Point.
PIN code is direct access to your money. And he should only have you. The PIN code is introduced when accessing ATM, self-service terminal or when the operation on the cash terminal is confirmed. It is not needed to enter the Internet bank. To confirm operations on the Internet, it is not needed. To confirm your identity in the call center, it is not needed. Moreover, your bank will never ask you to name the PIN code. If a stranger calls you and, seeing a bank employee, asks to say the PIN code is a fraudster. Again. Never. Nobody.
You should not store the PIN code next to the card: if you lose a handbag, who found her person should not find inside and map, and a pin-envelope. But write a pin code on the map you can. Not Right, of course. Entering an incorrect PIN code will allow you to know that the map "threw", and if the thief gets inexperienced, he will independently blocked the opportunity to bring money from your card. Together with the map, of course, but you will block it anyway if it is unknown where, isn't it?
Tip Second: CVV code (CVV2).
These are three numbers on the back of the card next to the field for your signature. The CVV code is needed to confirm purchases on the Internet, along with the map number and its validity period. Purchases on the Internet have always been considered risky - because the map is all the necessary information for making a purchase. At the moment, most payment systems additionally require a confirmation of a disposable SMS code, but still: do not pass the card to third parties, do not let the sellers carry it away from you. Do not enter your card data on dubious sites. And ideally, do not use your main card for calculating the Internet. Get yourself a separate card or use the Yandex.Money wallet shopping and such systems. This buffer between you and (possibly) unscrupulous or simply negligent site owners on which the payment is made. And even if this buffer will be compromised, your money will not suffer.
Council Third: Mobile Phone.
Be sure to tie a map to a mobile phone. To the main number, which is always at hand. And certainly connect the service "SMS-alert" or "Mobile Informing". The meaning is that any movement of the card account should take place with a mandatory notice to the phone. This will allow you to promptly monitor the enrollment of money from the buyer and, that is less pleasant, but no less important - you will know about write-offs. And if the money suddenly went from the card - this is a reason for its immediate lock. And if you paid the card and did not receive a report about this - a reason to appeal to the bank in order to determine why not an alert comes. This may be a technical problem, of course. But worse, if an error or malicious intent occurred a revolving card to another number.
And finally Council fourth , last in order, but not much. Turn on your head.
There is such a concept - social engineering. This is a method of prompting a person to the desired fraudster actions. And no, it is not a mystic and not hypnosis, it is a psychology: if you "hook" a person to emotion, he will act instinctively, and not logical.
The strongest emotion has always been fear. It is he who manages your actions when you come to SMS with the text like: "I urgently put money for this number, then I will explain everything, mother." Variations of texts can be a lot, new appear constantly, they are becoming more and more sophisticated, and the defense one: first think, then do. It doesn't matter what the SMS text promises to you. No matter what threatens. Stop and think.
If the message claims that your near person is threatened with danger, and he urgently needs money - contact this person, do not translate money without his personal confirmation that he really has a problem.
If you are asked to call the number specified in SMS, otherwise the card will be blocked - call. But in the call center Your bank . The number is indicated on the back of the map and on the official website. Do not call scammers, do not give them a chance to convince you.
If you are asked to enter the code for cancellation of the operation that you have not performed (allegedly erroneous) - the more do not do it! Link to such SMS usually does not at all in your Internet bank. And the code you will send on a mobile bank is likely to Confirm The very operation that you did not accomplish and do not going to be accomplished - the attackers created it for you, and you, yielding to SMS, confirmed the transfer of money.
For any questions, in case of any suspicion - contact your bank, by calling a call center or to the service office.
And always think before you do. Do not allow emotions to take the top. Take tweys, take a pause - the bill does not go for seconds, no matter how hard the attackers tried to convince you in the opposite.
Why am I writing about this now when everyone publish inspired congratulations and joyful pictures? A series of holidays is a favorite time of scammers. People relax, relax, many drink - this is a convenient opportunity for attack. I don't want to call the call center, but the offices do not work all and not by the familiar schedule and is lost time, which is precious in the literal sense: the faster the compromised map will be blocked, the less money will be able to remove the attackers from it. Therefore, rest without turning off your heads. Do not give in to divorce fraudsters. Do not give them what worked in the outgoing year.
Be safe. Be happy.
A source