Waxaa jira noocyo kala duwan oo khiyaamo maaliyadeed ah sida xatooyada aqoonsiga, khiyaamada cashuurta, iyo khiyaamada bangiyada. Khiyaanada la xiriirta kaararka deynta waxaa lagu soo koobay khiyaamo bangiyada. Khiyaamada kaararka deynta^(Credit) ayaa kor u kacaysa sababtoo ah dhaqdhaqaaqa bangiyada internetka oo kordhay adduunka oo dhan. Dadku hadda waxay doorteen wax badan oo wax kala iibsiga onlaynka ah halkii ay ka dooran lahaayeen wax kala beddelashada lacagta caddaanka ah. Hackers iyo cybercriminals waxay isticmaalaan habab kala duwan tuugada kaararka deynta iyo khiyaanada. Mid ka mid ah khiyaanada ugu caansan waa Carding .

Waa maxay khayaanada kaararka deynta Carding?

Kaadh- qaadiddu^(Carding) waa nooc ka mid ah khiyaanada kaadhka deynta oo kaadhka deynta la xado loo isticmaalo in lagu dalaco kaararka prepaid. Khayaanada kaarka deynta waxaa loo yaqaannaa kaadhka^(Carder) . Dhaqdhaqaaqa khiyaanada ah ee uu sameeyo kaadhiyuhu si uu u xado nambarada kaararka deynta, iyo dib u isticmaalka iyaga si ay u iibsadaan kaararka prepaidka ah waxaa loo yaqaan Carding . Khayaanada ayaa laga yaabaa xataa inay iibiso kaadhadhkan hore loo bixiyey ama u isticmaalo inuu ku iibsado alaab kale. Alaabtan waxa laga yaabaa in dib loogu sii iibiyo lacag caddaan ah.

Akhriso^(Read) : Ka fogow khiyaanada online-ka ah oo ogow goorta la aamini karo mareegaha^{(Avoid online scams and know when to trust a website)} .

Waa maxay kaadhka internetka?

Marka khayaanada isku dayo inuu u isticmaalo lambarka kaadhka deynta la xaday ee wax kala iibsiga onlaynka ah, waxa loo yaqaan kaadhka internetka^{(online carding)} . Hanjabaaddan amniga shabakadda, tuuggu wuxuu isku dayaa isku dayo badan oo isbarbar socda si uu u oggolaado aqoonsiga kaarka deynta la xaday. Hawshan, dambiilaha waxa laga yaabaa inuu isticmaalo bots, oo ah nooc ka mid ah software-ka kaas oo si toos ah uga shaqeeya intarneedka^(Internet) .

Dadka haysta kaarka deynta iyo debit-ka ayaa had iyo jeer la ogeysiiyaa khayaanada kaararka. Waxaa la farayaa siyaabaha ay kaararkooda ugu ilaalin karaan ammaan iyo wax kala iibsiga. Si kastaba ha ahaatee, inkastoo dhammaan tallaabooyinka la qaaday, dadku waxay noqdeen dhibanayaal khiyaano kaararka deynta. Sida laga soo xigtay Nilson Report , khayaanada kaarka deynta ama kaadhka ayaa kordhay 29% sannadkii celcelis ahaan gudaha Maraykanka ^(United) . ^(States)Waxaa lagu qiyaasaa in khasaaraha ka dhashay khayaanada kaadhka deynta kaadhka deynta ay kor u dhaafi karto $40.63 bilyan sanadka 2023.

Aqriso^(Read) : Iska ilaali Khiyaanada Wax iibsiga onlaynka ah & Fasaxa Xiliga Fasaxa^{(Avoid Online Shopping Fraud & Holiday Season Scams)} .

Sidee buu u shaqeeyaa Carding?

Kaar-bixiyeyaasha waxay isticmaalaan habab kala duwan si ay u helaan lambarrada kaararka deynta. Weerarada phishing-ka ayaa caadi u ah xatooyada noocaan ah. Khayaanada ayaa sidoo kale laga yaabaa inay ka iibsadaan nambarada kaadhka lacag bixinta ee laga soo xaday shabakada mugdiga ah. Mararka qaarkood tuugadu waxay galaan nidaamka lacag bixinta kaarka dukaanka e-store ama website-ka oo ay helaan liiska lambarrada kaararka deynta ama debit. Hackers-ku waxay soo iibsadaan macluumaadka kaadhka kreditka iyagoo isticmaalaya iskaanka si ay u koobiyeeyaan koodka xariijinta magnetka.

Marka kaadhadhku haystaan ​​nambarka kaarka deynta, waxay hubinayaan in kaararku firfircoon yihiin iyo in kale macaamiishu ayan weli soo sheegin xatooyada. Tan waxaa badanaa la sameeyaa iyadoo la samaynayo dhowr macaamil oo yaryar oo ku saabsan goobaha ganacsiga e-commerce. Kaadhka khadka^(Online) tooska ah ayaa sidoo kale lagu sameeyaa iyadoo la kaashanayo bots.

Kaadhadh-qaadayaashu waxay u isticmaalaan kaadhadhkan kredit-ka ee firfircoon si ay u iibsadaan kaadhadhka hadiyadaha ee hore loo bixiyey, kuwaas oo loo sii isticmaalo iibsashada alaabada. Alaabooyinka la soo iibiyay sida telefishinada, laptop-yada, iyo qalabka kale ee elegtarooniga ah waxa dib loogu iibiyaa lacag caddaan ah.

Akhri^(Read) : Kaarka Dembi-baadhista iyo Khiyaanada Tuugta Pin^{(Credit Card Skimming and Pin Theft Frauds)} .

Sidee looga ilaaliyaa khayaanada kaadhka deynta ee Carding ?

Kaadhka internetka ama kaadhka internetka waa laga fogaan karaa iyadoo la kaashanayo talooyinka soo socda:

1. Daar^(Activate) ogaysiisyada kaadhka deynta
2. Isku day inaad aqoonsato iskuday phishing ah
3. Ku rakib software anti-malware wanaagsan.

1] Daar^(Activate) ogaysiisyada kaadhka deynta

Ku dhawaad ​​dhammaan bangiyada iyo bixiyeyaasha kaadhka deynta ayaa bixiya adeegga ogeysiisyada iyo ogeysiisyada. Ogeysiisyadani waa habka ugu wanaagsan ee lagu calaamadin karo iibsiyada been abuurka ah kaarka deynta. Waxaad dhaqaajin kartaa fariimaha qoraalka ah iyo iimaylada mar kasta oo uu jiro macaamil maxalli ah ama ajnabi ah kaarka deynta ama baaqigaagu uu ka gudbay xad go'an. Iyada oo la kaashanayo ogeysiisyadan, waxaa laga yaabaa inaad awood u yeelatid inaad soo qaadato kaadh-qaade.

2] Isku day^(Try) inaad aqoonsato iskuday phishing ah

Mar kasta suurtagal maaha in la helo weerar phishing ah^{(phishing attack)} , laakiin waxaa jira calaamado weerarka oo aad aqoonsan karto. Fariinta ama iimaylka meel aan la garanayn ayaa inta badan ah marxaladda weerarrada phishingka. Weligaa ha^(Never) gujin xiriirinta, soo dejiso lifaaqyada, hana ka jawaabin fariimahan ama iimayladan. Waxa laga yaabaa inay tahay malware-ka lagu rakibay iimayladan ama fariimahan, kaas oo la soo dejiyo isla marka aad gujiso xidhiidhyada. Khayaanada qaarkood waxay abuuraan foomamka marin habaabinta ah ama su'aalo-waraysiyo kaa dhigaya inaad wadaagto macluumaadka shakhsiyeed, sida faahfaahinta kaadhka deynta. Isha furan ku hay codsiyada noocaas ah.

3] Ku rakib^(Install) software anti-malware wanaagsan

Mararka qaarkood jilayaasha malware-ku waxay isku dayaan inay soo dejiyaan isticmaaleyaasha si ay u soo dejiyaan software cudurka qaba sida ciyaar bilaash ah, ama app bilaash ah. Software-ku wuxuu inta badan ka kooban yahay spyware, fayras, iyo barnaamijyo kale oo aan la rabin. Rakibaadda bar-bar-bar-bar-bar-bar-bar-dhigeed-iyo-ka-horta-ga-ga-fiican-ku-gudbidayaa-ay-ka-hortagta-soo-dejinta-software-ka cudurkan qaba.

Waa lagama maarmaan in la cusboonaysiiyo barnaamijyada antivirus maadaama qeexitaannada fayrasyada cusub iyo malware-ka lagu cusboonaysiiyay barnaamijyadan. Had iyo jeer kala soo bax barnaamijka antivirus-ka ilo caan ah oo la aamini karo.

Akhri^(Read) : Waa maxay Kaararka amaahda ee Virtual^{(What are Virtual Credit Cards)} iyo sidee iyo halkeed ka heshaa?

Tallaabooyinka aad qaadi doonto haddii aad aragto wax dhaqdhaqaaq Carding ah^(Carding)

Haddii aad ku aragto wax dhaqdhaqaaq kaadh bixin ah kaadhkaaga deynta, qaado tallaabooyinka soo socda:

• La xidhiidh^(Contact) bangiga ama kaarka deynta bixiyaha oo ogaysii wax kasta oo shaki ah oo ku saabsan kaadhkaaga.
• Iska hubi^{(Cross-check)} galitaanka amniga iyo erayga sirta ah ee kaarka deynta iyo mareegaha. Dib u deji haddii aad dareento.
• Soo dir codsi aad ku joojinayso kaarka deynta si aad uga fogaato khiyaamo kale.
• Samee fayraska buuxa iyo iskaanka malware-ka ee dhammaan nidaamyada ku lug leh oo ay ku jiraan mareegahaaga iyo laptop-yadaada.

Maxaa dhacaya haddii lagu qabto Carding ?

Ciqaabta khayaanada kaararka deynta ee Carding way ku kala duwan tahay waddan ilaa waddan ama gobol ilaa gobol. Dalka Maraykanka, khayaanada kaadhka deynta ayaa sidoo kale ah dembi federaali ah.

Rajo in qoraalkani ku caawiyo!

Hadda akhri^{(Now read)} : 10-ka ugu sarreeya ee ugu caansan Online, Internet, iyo email khiyaanada iyo khiyaanada^{(Top 10 most common Online, Internet, and Email scams & frauds)} .

How to protect against Carding credit card fraud?

There are various typеs of financial frauds such as identity theft, tax fraud, and banking fraud. The frauds relatеd to credit cards are categorizеd under banking frаud. Сredit card frauds аre on the rise due to increased online banking activities acroѕs the globe. People are now opting more for online transactions rather than cash transаctions. Hackers and cybercriminals are using different methоds in credit card thefts and frauds. One of the most prominent frаud is Carding.

What is Carding credit card fraud?

Carding is a form of credit card fraud in which a stolen credit card is used to charge prepaid cards. The credit card fraudster is known as a Carder. The fraudulent activity carried out by a carder to steal credit card numbers, and reusing them to buy prepaid cards is termed Carding. The fraudster may even sell these prepaid cards or use them to purchase any other goods. These goods may further be resold for cash.

Read: Avoid online scams and know when to trust a website.

What is online carding?

When the fraudster tries to use the stolen credit card number for online transactions, it is termed online carding. In this web security threat, the stealer tries multiple, parallel attempts to authorize the credentials of a stolen credit card. For this activity, the criminal may use bots, a type of software that performs automated operations over the Internet.

Credit and debit cardholders are always made aware of card frauds. They are instructed about the ways to keep their cards safe and transactions secure. However, despite all measures taken, people have become victims of credit card fraud. According to Nilson Report, credit card fraud or carding has increased by 29% per year on an average in the United States. It is estimated that the loss due to carding credit card frauds may go up to $40.63 billion in 2023.

Read: Avoid Online Shopping Fraud & Holiday Season Scams.

How does Carding work?

The carders use different methods to acquire credit card numbers. Phishing attacks are common for this kind of theft. Fraudsters may also buy stolen payment card numbers from the dark web. Sometimes hackers gain access to an e-store’s or website’s card payment system and acquire a list of credit or debit cards numbers. Hackers procure credit card information by using scanners to copy the coding from the magnetic strips.

Once the carders have the credit card number, they check if the cards are active and the customer hasn’t yet reported the theft. This is often done by making several small transactions on e-commerce sites. Online carding is also done with the help of bots.

Carders use these active credit cards to buy prepaid or gift cards, which are further used to purchase goods. Purchased goods such as televisions, laptops, and other electronics are resold for cash.

Read: Credit Card Skimming and Pin Theft Frauds.

How to protect against Carding credit card fraud?

Carding or online carding can be avoided with the help of the following tips.:

1. Activate the credit card notifications
2. Try to identify a phishing attempt
3. Install good anti-malware software.

1] Activate the credit card notifications

Almost all banks and credit card issuers offer the service of notifications and alerts. These alerts are the best way to flag fraudulent purchases from your credit card. You can activate text messages and emails every time there is a local or foreign transaction from your credit card or your balance has crossed a certain limit. With the help of these notifications, you may be able to catch a carder.

2] Try to identify a phishing attempt

It is not always possible to find a phishing attack, but there are signs of the attack that you can identify.  A message or an email from an unknown source is often the stage for phishing attacks. Never click on the links, download attachments, or respond to these messages or emails. It may be malware planed in these emails or messages, which gets downloaded the moment you click the links. Some scammers create misleading forms or questionnaires that make you share personal information, such as your credit card details. Keep an open eye on such requests.

3] Install good anti-malware software

Sometimes malware actors try to lure users to download infected software such as a free game, or free app. The software often contains spyware, viruses, and other unwanted programs. Installing a good firewall and antivirus program helps to avoid downloading such infected software.

It is necessary to update antivirus programs as the definitions of new viruses and malware are updated in these programs. Always download the antivirus program from well-known and trusted sources.

Read: What are Virtual Credit Cards and how and where do you get them?

Actions to take in case you notice any Carding activity

If you notice any carding activity on your credit card, take the following actions:

• Contact the bank or credit card issuer and notify them about any suspicious activity on your card.
• Cross-check the security login and password of your credit card and on the website. Reset it if you feel so.
• Send an application to block the credit card to avoid any further fraud.
• Run a full virus and malware scan of all systems involved including your website and laptops.

What happens if you get caught Carding?

The punishment for Carding credit card fraud varies from country to country or state to state. In the US, credit card fraud is also a federal offense.

Hope this post help!

Now read: Top 10 most common Online, Internet, and Email scams & frauds.

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