Aad bay nooga sahlan tahay oo ay nooga wanaagsan tahay in aan u isticmaalno kaararka deynta ama debit-ka wax kala iibsiga halkii aan ku qaadan lahayn lacagta warqadda iyo beddelka kiishashkayada. Halka dhinaca kaadhadhka caagga ah ay nolosheenna fududeeyeen, dhinaca kale waxay la xidhiidhaa khiyaanada kaararka deynta^{(credit card frauds)} sida skimming iyo tuuganimada biinanka, ^{(stealing pins, )} iwm . Qalabka sida ugu hooseeya ee $50 lagu iibiyo eBay iyo meelo kale, iska-dhaafka kaararka deynta weligood ma fududa. Xogta sidaas lagu helay waxaa laga iibin karaa kuwa kale ee ku jira Darknet ama waxaa loo isticmaali karaa in lagu sameeyo kaararka been abuurka ah ee dano gaar ah.

Waa maxay Skimming Card Credit

Akhrinta xogta kaarka deynta ee lagu kaydiyo qaybta birlabeedka iyadoo la isticmaalayo habab sharci darro ah waxaa loo yaqaan kaarka deynta skimming^{(credit card skimming)} . Waxaa jira noocyo kala duwan oo qalab ah oo laga heli karo suuqa ujeedadan. Akhristayaasha noocaan ah lama mamnuuci karo maadaama aysan sharci darro ahayn. Qalabkan yar-yar waxay geli karaan jeebka surwaalka waxayna u adeegi karaan qof kasta oo raba inuu xado oo kaydiyo xogta. Marka xogta la helo, ma adka in la helo koodka pin-ka ee la xidhiidha.

la xidhiidha:

Mararka qaarkood pin code-ka waxaa lagu heli karaa iyadoo la soo saarayo biin pads oo been abuur ah^{(counterfeit pin pads)} halkaas oo qofka aan ka shakin uu galo biinkiisa ama keeda ee ku kaydsan qalabka. ATM skimming waa dambi in saxan la dhigo meesha aad ku xaaqid kaarka deynta. Xataa ka hor inta ATM- ku aanu akhriyin xogta kaadhkaaga, taarikada ayaa akhriya xogta oo ama ku kaydisa gudaha ama u diraan kombuyuutarrada kale si aan fiilo lahayn. Saxan si siman ayaa loogu dhejiyay booska si taxadar leh. Isla marka aad gasho kaarka, saxanka sharci darrada ah ayaa marka hore akhriya xogta ka dibna mishiinka ATM-^(ATM) ka . Farsamo isku mid ah ayaa laga heli karaa xarumaha shidaalka, iwm. kuwaas oo u baahan macluumaadka kaararka deynta.

Akhri^(Read) : Sideed uga ilaalin kartaa naftaada khayaanada kaadhka deynta ee Carding^{(Carding credit card fraud)} ?

Xatooyada PIN Card Card

Habkan caanka ah wuxuu isticmaalaa dhibcaha kuleyliyaha ah^{(heat generated points)} . suufka biinka ah marka la riixo, ma muujin doono wax calaamado jir ah ka dib marka la galo biinka. Laakiin haddii qofku uu isticmaalo muraayadaha indhaha ee gaarka ah, wuxuu arki karaa iftiinka cagaaran ee furayaasha oo riixaya. Iftiinkan dhab ahaantii waa kuleyl ka dhasha marka la riixo furayaasha. Dabadeed dambiilayaasha ayaa abuuri kara isku-dhafan. Sidoo kale, maadaama biinka la riixay marka hore uu ka kululaan doono furaha la riixay, ugu dambeyntii, way fududahay in la abuuro isku-darka iyadoo la isticmaalayo muraayado gaar ah. Si kale haddii loo dhigo, furaha la riixo marka hore wuxuu bixin doonaa calaamadaha iftiinka xoogga hooseeya halka furaha la riixo ugu dambeyntii uu noqon doono mid xoog badan.

Habka kale ee caanka ah waa in la isticmaalo kamarad biin ah^{(pin camera)} . Kamarad yar - oo aan la arki karin isticmaalayaasha - ayaa ku shaqeeya biinka suufka waxaana loo isticmaali karaa in lagu xaddo pin kaararka deynta. Kamaradu waxay hayn kartaa xogta ama waxay u gudbin kartaa kombuyuutarrada fogfog iyadoo la isticmaalayo calaamadaha wireless-ka.

Akhri^(Read) : Waa maxay Kaadhadhka Daynta EMV^{(What Are EMV Credit Cards)} ?

Ka ilaali naftaada khiyaanada Skimming Card Credit^{(Credit Card Skimming)}

Waxaa jira dhowr habab oo ku taxan mareegaha kala duwan ee la xiriira skimming card credit. Waxaan halkan kuugu soo ururiyay qaar ka mid ah hababka:

1] Ha u oggolaan dadka inay kaadhka deynta ama debit ka qaataan indhahaaga. Makhaayadaha iwm, mudalabyada ayaa kaadhka gudaha ka qaada. Ma garanaysid waxa ay gudaha ka samaynayaan. Waxa laga yaabaa inay isticmaalaan mid ka mid ah aaladaha skimming si ay u xadaan xogtaada. Had iyo jeer way fiican tahay inaad raacdo mudalabyada. Qaar ka mid ah shirkadaha kaararka deynta, hadda waa lagama maarmaan in la geliyo pin si markaa waxaa looga baahan doonaa inaad joogtid marka kaarka la xoqayo. Habka ugu fiican ayaa ah in aad tagto makhaayad ay isticmaalaan si ay u keenaan mishiinada la qaadi karo miiskaaga.

2] Haddii lagu weydiiyo inaad kaarka marisid laba jeer ama aad geliso pin-ka laba jeer, waxay noqon kartaa dabin. Waxaa laga yaabaa inaad rabto inaad lacag caddaan ah ku bixiso. Haddii qalabku u muuqdo mid laga shakisan yahay, ha u ogolaanin inaad dhuuqdo ilaa aad ka hesho macluumaad sax ah oo ku saabsan qalabka.

3] Si aad u ilaaliso biinanka, gacanta ku dul saar biinanka ka dib markaad geliso biinkaaga. Habkaas, dadka isticmaala muraayadaha gaarka ah si ay u furfuraan biinkaaga iyaga oo isticmaalaya habka kulaylka way guuldareysan doonaan. Gacantaada oo aad ku hayso suufka biinanka ayaa kuleylin doonta dhammaan badhamada, sidaas darteed, waxaad fashilin kartaa iskudaygooda ah inay akhriyaan biinkaaga adigoo isticmaalaya hirarka kulaylka.

4 ] Ugu dambeyntii^{(] Finally)} , sii wad hubinta xisaabaadkaaga si joogto ah. Tani waxay bixin doontaa wixii macaamil ganacsi ah oo aadan samayn adiga ama kaaga. Haddii aad aragto cillado, ogeysii shirkadda kaadhka oo hel kaadhka beddelka. Xaaladaha qaarkood, waxaa laga yaabaa inaad sidoo kale dib u hesho lacagtaada.

Khiyaamada Kaarka Dabiiciga^{(Credit Card Skimming)} ah ayaa horseeday nooc cusub oo dambi internetka ah oo lagu magacaabo FormJacking . Waxaanu kaga hadalnay waxa FormJacking yahay iyo ka-hortaggiisa maqaalka ku xidhan.

Haddii aad hayso wax aad ku darto, la wadaag.^{(If you have anything to add, do share.)}

Hadda akhri waxa dhammaan macluumaadka ku kaydsan Barcode-ka Boarding Pass iyo sababta aad u daryeesho.

Credit Card Skimming and Pin Theft Frauds - How to stay safe

It is much easier and better for υѕ to use credit or debit cards for transactions than carrying paper currency and change in our purses. While on onе side the plastic cards have made our lives easier, the other side is related to credit card frauds like skimming and stealing pins,  etc. It is not a good world and you cannot give your credit card to someone assuming nothing bad can happen. With devices as low as $50 being sold on eBay and elsewhere, skimming of credit cards was never easier. The data obtained thus can be sold to others in the Darknet or used to create counterfeit cards for personal gains.

What is Credit Card Skimming

Reading your credit card’s data that is stored in the magnetic strip part using illegal means is called credit card skimming. There are different types of devices available in the market for this purpose. And these types of readers cannot be banned as they are not illegal. These mini devices can fit into your pants’ pocket and serve anyone willing to steal and store the data. Once the data is obtained, it is not hard to get the related pin code.

Related:

Sometimes the pin code can be obtained by producing counterfeit pin pads where the unsuspecting person enters his or her pin that is stored in the device. ATM skimming is a crime where a plate is placed on the place where you swipe your credit card. Even before the ATM can read your cards’ data, the plates read the data and either store it locally or send it to other computers wirelessly. A plate is placed horizontally in the slot carefully. As soon as you enter the card, the illegal plate first reads the data and then the ATM machine. The same technique can be employed at gas stations, etc. that require credit card information.

Read: How do you protect yourself against Carding credit card fraud?

Stealing the Credit Card PIN

This popular method uses the heat generated points. A pin pad when pressed, will not show any physical signs after entering the pin. But if a person employs special eyeglasses, he can see the green light on the keys pressed. This light is actually heat generated by pressing the keys. Then the criminals can create a combination. Also, since the pin pressed first will be less hot than the key pressed, at last, it becomes easier to create combinations using special glasses. In other words, the key pressed at first will give away lower intensity light signals while the key pressed at last will be of greater intensity.

Another popular method is to employ a pin camera. A small camera – invisible to users – is employed over the pin pad and can be used to steal pin of credit cards. The camera can hold the data or transmit it to remote computers using wireless signals.

Read: What Are EMV Credit Cards?

Protect yourself from Credit Card Skimming fraud

There are several methods listed on different websites related to credit card skimming. I have collected some methods for you here:

1] Do not allow people to take credit or debit cards away from your sight. In restaurants etc., waiters take away the card inside. You do not know what they are doing inside. They may use one of the skimming devices to steal your data. It is always better to accompany the waiter. For some credit card companies, it is now necessary to enter a pin so you will be required to be present when the card is swiped. The best method is to go to a restaurant where they use to bring the portable machines to your table.

2] If you are asked to swipe the card twice or enter the pin twice, it could be a trap. You may want to pay up in cash instead. If a device looks suspicious, do not allow swiping until you have proper information about the device.

3] For protecting pins, keep the hand over the pin pad after entering your pin. That way, people using special glasses to decipher your pin using the heat method will fail. Keeping your hand on the pin pad will heat all the buttons and thus, you can foil their attempt to read your pin using heat waves.

4] Finally, keep on checking your financial statements regularly. This will give out any transactions that were not done by you or yours. If you find anomalies, inform the card company and get the card replaced. In some cases, you may get your money back too.

Credit Card Skimming frauds have led to a new type of cybercrime named FormJacking. We have discussed what FormJacking is and its prevention in the linked article.

If you have anything to add, do share.

Now read about what all information is stored in the Boarding Pass Barcode and why you should care.

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