Indlela yokuthumela i-Bizum ngaphandle kwenombolo yocingo: izinketho zangempela kanye nemikhawulo

Uma usebenzisa i-Bizum nsuku zonke, cishe uke wazibuza kaningi ukuthi kungenzeka yini thumela imali ngaphandle kokwazi inombolo yocingo kusuka komunye umuntu. Ezidlweni zakusihlwa nabangani, ukuthenga izinto ezisetshenzisiwe, noma ukukhokha emakethe, lo mbuzo uphakama njalo: ingabe ikhona indlela yokuthumela i-Bizum ngaphandle kokuba nenombolo yocingo yomamukeli noma ngaphandle kokuba lowo muntu azi eyami?

Iqiniso liwukuthi uhlelo luklanyelwe ngqo ukusebenza nenombolo yeselula njengesihlonzi esiyinhloko, kodwa kunezingqinamba ezizungezile lo mbono, yize zincane. tricks y Ezinye izindlela zokukhokha noma zokwamukela izinkokhelo ngaphandle kokwabelana ngocingokanye nezimo ezibucayi: kwenzekani uma uthumela i-Bizum enombolweni engalungile, ukuthi umthetho usebenza kanjani uma umamukeli engabuyisi imali, noma ukuthi yiziphi izinketho amabhizinisi anazo zokusebenzisa i-Bizum ngaphandle kokudalula idatha yomuntu siqu.

Kungenzeka yini ukuthumela inkokhelo ye-Bizum ngaphandle kokwazi inombolo yocingo?

Into yokuqala okufanele icaciswe yilokho Akunakwenzeka ukuthumela inkokhelo ye-Bizum kumuntu ngaphandle kokwazi inombolo yakhe yeselula.Le nsizakalo isebenza ngokuxhumanisa ifoni ngayinye ne-akhawunti yasebhange, futhi uhlelo lokusebenza lwebhange luzohlala lukucela ukuthi ufake noma ukhethe inombolo njengomamukeli wenkokhelo.

Ungakhetha lowo muntu ozokwamukela. ohlwini loxhumana nabo noma ngokubhala inombolo ngesandlaKodwa kuzo zonke izimo, udinga inombolo yocingo ethile. Uma ungayazi inombolo yomuntu, noma ungayigcini efonini yakho, ukuthengiselana akukwazi ukuqedwa.

Lokhu kusho ukuthi, noma ngabe ucacile ukuthi ufuna ukukhokha bani, Ngaphandle kocingo, izinkokhelo ze-Bizum azinakwenzeka.Akukho msebenzi wokusesha womphakathi ngegama noma igama eliyimfihlo, futhi akukho nketho "yokuthumela ku-imeyili" njengakwezinye izinhlelo zokukhokha.

Kodwa-ke, kukhona ukusonta okuncane: uma omunye umuntu eqala ukuthengiselana, Ungaqedela inkokhelo ye-Bizum ngaphandle kokwazi inombolo yabo. Ngoba nguyena ozokubeka engcupheni. Ake sibone.

"Icebo" lesicelo semali: ukukhokha ngaphandle kokwazi inombolo

Indlela ewusizo yokukhokha nge-Bizum ngaphandle kokucela inombolo yocingo yomunye umuntu ukuthi umamukeli kufanele kube nguye ocela imaliNgale ndlela, wamukela leso sicelo kuphela futhi uhlelo lusebenzisa idatha oluvele luyihlobanisile, ngaphandle kokukukhombisa inombolo yomunye umsebenzisi.

Inqubo evamile yomuntu ozokhokhelwa ilula kakhulu: Vula uhlelo lokusebenza lwebhange lakho bese uya esigabeni se-Bizum.Khetha inketho ethi "Cela imali", faka inombolo yakho yeselula, inani ofuna ukulithola, bese uqinisekisa isicelo.

Uma usuqedile lezi zinyathelo, uzothola isaziso noma umlayezo ovela ebhange okhombisa ukuthi Unesicelo sokukhokha esilindile nge-BizumKuhlelo lwakho lokusebenza ungabona ukuthi ubani okuthumelela yona (ngokuvamile igama nezinhlamvu zokuqala zesibongo), inani bese wamukela noma wenqaba ukuthengiselana.

Ngokwamukela, imali iphuma ku-akhawunti yakho bese ifakwa ku-akhawunti yomfakisicelo ngokushesha, futhi awukaze udingeke ukuthi uyenze. Ungabhali phansi noma ulondoloze inombolo yabo yocingoKuyindlela elula kakhulu uma omunye umuntu ekhetha ukunganikezi muntu inombolo yakhe yeselula noma efuna ukuyigcina iyimfihlo.

Kodwa-ke, ukuze le ndlela isebenze, kubalulekile ukuthi unikeza lowo muntu inombolo yakho kuqalaNgoba bazoyidinga ukuze bafake isicelo. Ngamanye amazwi, ungakhokha ngaphandle kokwazi inombolo yabo, kodwa bona bazodinga eyakho.

Uma othile engafuni ukwabelana ngenombolo yakhe yocingo

Kunezimo lapho umuntu ekhetha ukungazivezi izinombolo zakhe zocingo, kungaba ngoba anizani kangako, ngoba kuyisivumelwano sesikhathi esisodwa, noma ngoba Akafuni ukuxuba impilo yakhe yangasese neqoqo noma ukuthengisa.Kulezi zimo, amathuba anciphile.

Uma, ngaphezu kokungafuni ukwabelana ngenombolo yakhe, lowo muntu enqaba nokufaka isicelo semali nge-Bizum, Ayikho enye indlela yokuqedela inkokhelo ngalolu hlelo.I-Bizum ayinikezi izindlela ezingaziwa noma ezinye izindlela zokuthumela imali ngaphandle kwenombolo ehlobene.

Kuleso simo, uzokwazi ukusebenzisa ezinye izindlela zokukhokha kuphela: imali, ukudluliselwa kwebhange okuvamile, noma ukudluliselwa okusheshayo Uma wazi i-IBAN yomunye umuntu, abanye abantu bakhululekile ukwabelana ngenombolo ye-akhawunti yabo yasebhange kunenombolo yabo yeselula, ngakho-ke lokhu kungaba inketho eyamukelekayo kubo bobabili abantu.

Uma ubudlelwano buseduze kodwa ulahlekelwe ukuxhumana, ungazama njalo thola inombolo yabo ngemidiya yezenhlalo noma ngokubuza abangani noma umndeniEkugcineni, uma umuntu efuna ngempela ukuthola imali yakho, kuzodingeka akunike ulwazi oluthile ukuze kwenzeke lokho.

Kodwa-ke, uma elinye iqembu lenqaba ukunikeza inombolo yocingo, imininingwane ye-akhawunti yasebhange, noma ukusebenzisa noma yiziphi izindlela zokukhokha ezilandelekayo, Akukho okuncane ongakwenza ngaphandle kokuyeka.Ayikho indlela yokubathumelela imali ngeBizum ngaphandle kokuthi okungenani bakunike inombolo noma benze isicelo ebhange labo.

Ukubhidliza phakathi kwabantu ngabanye vs. izinkokhelo zamabhizinisi

I-Bizum yadalwa futhi ihloselwe kakhulu izinkokhelo phakathi kwabantu ngabanye: abangani, umndeni, abantu ohlala nabo endlini...Yingakho inombolo yocingo iyisici esiyinhloko sohlelo. Kodwa empeleni, sibona izindawo eziningi zokuthengisa emakethe, ezitolo ezincane, nakubantu abazimele abasebenzisa i-Bizum ukuqoqa izinkokhelo zezinsizakalo zabo.

Cabanga ngomthengisi emakethe yezimoto okutshela ukuthi bamukela i-Bizum kuphela. Ukuze ubakhokhele, ngokuvamile kuzodingeka ukukunikeza inombolo yabo yeselula, exhunywe kwi-akhawunti yabo yasebhangeUma uqinisekisa ukuthunyelwa, uzobona igama labo (futhi ngezinye izikhathi izinhlamvu zokuqala zesibongo sabo) esikrinini sakho ukuze uqinisekise ukuthi uthumela imali kumuntu ofanele.

Ipulatifomu ngokwayo ichaza ukuthi, nakuba kuvamile ukuyibona ezitolo ezincane noma ezitaladini, Isevisi ejwayelekile yakhelwe umuntu ngamunye.Uma kukhulunywa ngamabhizinisi, izitolo noma abazisebenzayo, iBizum itusa ukuthi baxhumane nebhange labo ukuze bathole izixazululo zebhizinisi ezithile.

Amabhange avame ukuba Izinsizakalo ze-Bizum eziqondiswe ekuhwebeni oku-inthanethiAmatheminali e-POS abonakalayo, izinkinobho zokukhokha kumawebhusayithi, noma ukuhlanganiswa kwamasango ezitolo zedijithali Ezitolo eziku-inthanethi. Kulezi zimo, ikhasimende livame ukunikezwa ikhodi ye-PIN enezinombolo ezine esebenza njengesihlonzi sokuthenga okuku-inthanethi, okufana ne-"Bizum ID" yezinkokhelo eziku-inthanethi.

Ngokuphathelene nezinkokhelo ezenziwa esitolo, isimo sihlukile: ngaphandle kwezivumelwano ezithile phakathi kwamaketanga amakhulu nezikhungo zezimali, Ngokuvamile asikho uhlelo olujwayelekile lwe-Bizum lokuhweba mathuphaYingakho amabhizinisi amaningi amancane esebenzisa izinombolo zawo, kanye nezingozi zobumfihlo ezihambisana nalokhu.

Ubumfihlo kanye nezingozi zokwabelana ngenombolo yakho yeselula uma ukhokha

Ukwabelana ngenombolo yakho yocingo nabantu ongabazi, ngisho noma kuyinto engenangozi njengokuthengisa okukodwa, akuyona into encane. Ngenombolo yakho yeselula kanye negama lakho, Umkhohlisi angase azame ukuzenza ibhange lakho noma umhlinzeki wesevisi. futhi baqalise ukuhlaselwa kwe-phishing ngocingo noma ngomyalezo wombhalo.

Yingakho kubalulekile ukuthi, njengomsebenzisi, uqonde ukuthi iyiphi idatha eboniswa ngempela enkokhelweni ye-Bizum. Uma othile ekuthumelela imali, Ayitholi inombolo yakho yocingo nganoma yisiphi isikhathi ngokusebenzisa umsebenzi ngokwawo.Okuwukuphela kwento abazoyibona igama lakho, futhi kwezinye izimo, izinhlamvu zokuqala zesibongo sakho njengebhange zibabhalise.

Uhlelo luhlelwe ngendlela yokuthi, noma ngabe uthumela noma wamukela ama-Bizums nabantu ongabazi, Abakwazi ukuthola ifoni yakho ngokumane bahlole idatha yokuhamba.Lolo lwazi aluveli kuhlelo lokusebenza noma kwirisidi elikhiqizwayo.

Ukuphela kwendlela umuntu angahlobanisa ngayo igama le-Bizum nenombolo ethile ukuthi Usuvele unalo lowo oxhumana naye ogciniwe encwadini yakho yamakheli.Uma igama olibonayo kuthengiselwano lifana nelilodwa ocingweni lwakho, lingakubona, kodwa alizange lithole inombolo ngeplatifomu, kodwa ngokusebenzisa oxhumana nabo balo.

Kufanele ukukhumbule lokhu uma othile ekutshela ukuthi udinga inombolo yakho yocingo "ukuze nje akuthumelele i-Bizum": Lowo muntu angase agcine leyo nombolo bese eyisebenzisela ezinye izinjongo.Kusukela ekukuthumeleni imiyalezo kuye ekuzameni ukukukhohlisa esikhathini esizayo, ukunikeza inombolo yakho yocingo kuhlale kuhilela izinga elithile lokudalulwa.

Kungenzeka yini ukuthola inombolo yocingo yomuntu okuthumelele inkokhelo ye-Bizum?

Umbuzo ovame kakhulu ukuthi kungenzeka yini ukuthola inombolo yeselula yomuntu osithumelele imali nge-Bizum. Impendulo icacile: Ayikho indlela yokubona inombolo yocingo yomthumeli kuhlelo lokusebenza lwebhange.Uhlelo alubonisi leyo datha esikrinini sokunyakaza noma emininingwaneni yokusebenza.

Ngokuvamile, uma uthola inkokhelo ye-Bizum, uzobona igama lomuntu, kanye nohlamvu lokuqala lwesibongo sakhe. Lolu lwazi luhloselwe... Khomba umthumeli ngamagama ajwayelekile, kodwa ngaphandle kokudalula imininingwane yakhe yokuxhumana ephelele.Ngeke uthole inombolo noma kuphi kurisidi.

Isimo kuphela lapho ungahlobanisa khona lelo gama nenombolo ethile yocingo ukuthi Usuvele unomuntu onegama elifanayo koxhumana naboNgemuva kwalokho ungaya koxhumana nabo bese uhlola ukuthi kuyahambisana yini, kodwa awutholi ifoni ku-Bizum, usebenzisa ulwazi lwakho lwangaphambilini.

Ngaphezu kwalokho, igama elivelayo lapho uthola inkokhelo alixhomekile ekutheni umgcine kanjani oxhumana naye efonini yakho, kodwa ekutheni ubhaliswe kanjani ebhange. Kungaboniswa ngendlela ehlukile kunaleyo oyisebenzisayo. (enegama eliphakathi, engenazo izibongo, enezinhlamvu zokuqala…), okwenza kube nzima nakakhulu noma yimuphi umzamo wokususa igama.

Ngamafuphi, ungaqiniseka ngokufanele: Umuntu othola i-Bizum yakho ngeke ayithole inombolo yakho ngenxa yaleso sizathu esilula.Kuyindaba ehlukile uma usuvele uyinikeze ngenye indlela ukuze bakwazi ukukukhokhela.

Indlela yokuthumela inkokhelo ye-Bizum kumuntu ongabhalisiwe

Esinye isimo esivamile ukuthumela imali kumuntu ongakabhaliswa neBizum. Kungenzeka ukuthi shayela inombolo yoxhumana naye ongasebenzisi isevisi noma lokho kusencwadini yakho yamakheli kodwa akukaze kubhaliswe epulatifomu.

Kulezi zimo, uma uqinisekisa ukuthumela, uhlelo alukwenzi lokho kudluliselwa ngokushesha. Esikhundleni salokho, i-Bizum ithumela Thumela i-SMS kumamukeli emtshela ukuthi unemali angayitholi, kanye nemiyalelo yokuthi ungabhalisa kanjani futhi uthole inkokhelo.

Lowo myalezo ubonisa inani elithunyelwe futhi umema umuntu ukuthi abhalisele insizakalo ngebhange lakhe. Uma umuntu ebhalisa ngempumelelo, Imali izodluliselwa ku-akhawunti yakho ngokushesha., njenganoma iyiphi enye i-Bizum ejwayelekile, ngaphandle kokuthi ukhokhiswe imali kusengaphambili.

Into ebalulekile ukuthi phakathi nale nqubo, ibhalansi ayinyamalali ku-akhawunti yakho kuze kube yilapho omunye umsebenzisi ebhalisa. Ngamanye amazwi, Awuthumeli imali "ebhajwe" enkingenikodwa umsebenzi usalindile kuze kube yilapho umamukeli eqeda ukubhalisa.

Uma lowo muntu engalokothi asebenzise i-Bizum, ngemva kwesikhathi esithile (ngokuvamile amahora angu-48) Ukuthengiselana kukhanselwa ngokuzenzakalelayo futhi imali ihlala ku-akhawunti yakho.Ayilahleki nganoma yisiphi isikhathi, futhi ayihambi ndawo uma ukubhaliswa kungaqedwanga.

Khansela i-Bizum ethunyelwe kumuntu ongenayo.

Kuze kube yilapho umamukeli esebhalisile noma ekwamukele ukuthunyelwa, unethuba elincane lokuthi Khansela i-Bizum oyithumele enombolweni engenasevisi esebenzayoLolu khetho lutholakala kuphela ngesikhathi el tiempo lapho umsebenzi ubhalwe njengosalindile.

Uma ubona iphutha ngokushesha ngemva kokuthumela futhi wazi ukuthi lowo muntu ngeke asebenzise i-Bizum, ungangena kuhlelo lokusebenza lwebhange lakho, ufinyelele uhlu lwezentengiselwano noma isigaba sakamuva sokudluliselwa kwe-Bizum, bese usesha. inketho yokukhansela noma yokuvala ukuthengiselanaAkuwona wonke amabhange akuveza ngendlela efanayo, kodwa ngokuvamile kuboniswa ngokucacile uma inkokhelo isalindile.

Uma umamukeli ebhalisa futhi emukela inani, Ngeke usakwazi ukuguqula ukuthengiselana kwe-Bizum ngokwakho.Kusukela ngaleso sikhathi kuqhubeke, ukudluliselwa kwemali sekuqediwe futhi ungayithola imali kuphela ngokubambisana nomunye umuntu noma, uma kudingeka, ngezindlela zomthetho.

Kunoma ikuphi, noma ungakhanseli ngesikhathi futhi umamukeli engabhalisi, imali ngeke iphume ku-akhawunti yakhoUzobona nje ukuthi umsebenzi uphela kanjani ngemva kwesikhathi esibekiwe futhi ungasebenzi, njengokungathi awukaze uqedwe.

Kungumqondo omuhle ukuhlola njalo ukuthengiselana okulindile uma uvame ukuthumela i-Bizum kubantu abangakayisebenzisi le nkundla, ukuze ugweme ukudideka futhi ugcine izinto zicacile. yiziphi izinkokhelo eseziqediwe nokuthi yiziphi ezisalindile.

Kwenzekani uma ngithumela i-Bizum enombolweni engalungile?

Elinye lamaphutha avame kakhulu ukuthayipha inombolo yocingo engalungile noma ukukhetha oxhumana naye ongalungile. thumela i-Bizum kumuntu ongafuni ukumthumelaNjengoba ukuhlinzwa kucishe kube ngokushesha, isilinganiso sokusabela sincane futhi umuzwa wokukhungatheka uvame ukuba mkhulu.

UBizum uthembele ohlelweni lwe- Ukudluliselwa kwe-SEPA ngokusheshaLokhu kusho ukuthi imali ikwi-akhawunti yomamukeli ngemizuzwana embalwa. Ngenxa yalesi sizathu, uma usuqinisekisile ukudluliselwa, ayikho inkinobho yomlingo yokususa ukuthengiselana kusuka kuhlelo lwakho lokusebenza.

Inketho yokuqala enconywe yiBizum kanye namabhange yi- Isixazululo esinobungane: Xhumana nomuntu othole imaliUma inombolo ingeyomuntu wangempela futhi ene-akhawunti ye-Bizum esebenzayo, cishe bazobona negama lakho eduze kwentengiselwano.

Ungababhalela umlayezo ngenhlonipho uchaze iphutha bese ubacela ukuthi Ngizokubuyisela imali ngenye i-Bizum.Okungcono kakhulu, lokhu kufanele kubhalwe phansi ngomzila oqinisekisiwe, njengokuthi WhatsApp noma uthumele i-imeyili, ukuze ube nobufakazi uma kwenzeka udinga ukucacisa okwenzekile kamuva.

Ezimweni eziningi, yilapho kuphela khona: umuntu uyaqonda ukuthi kwakuyiphutha futhi Ukubuyiselwa kwemali kuyacutshungulwa ngaphandle kwezinkinga ezinkulu.Ngokuqinisekile kuyinto enengqondo kakhulu ukuyenza uma umuntu ethola imali kumuntu angamazi ngaphandle kwesizathu esibonakalayo.

Uma umamukeli engafuni ukubuyisela i-Bizum

Uma, ngemva kokuxhumana nomamukeli wenkokhelo engalungile ye-Bizum, enqaba ukubuyisa imali yakho, isimo siyashintsha. Ngokombono wezomthetho, Lokhu kungabhekwa njengecala lokusetshenziswa kabi kwempahla. uma omunye umuntu egcina imali aziyo ukuthi akuyona eyakhe.

ESpain, lolu hlobo lokuziphatha luhlanganiswa ku- Isigaba 253 se-Code of PenalUbucayi becala buzoncika enanini: kuzoba yicala elincane uma inani lingaphansi kwama-euro angu-400 kanye necala elibi kakhulu uma lidlula lelo nani, okuzoba nemiphumela yobugebengu emikhulu.

Ukuze isikhalazo sibe nethuba lokuphumelela, kubalulekile ukuthi ukwazi ukufakazela lokho Ucele ukubuyiselwa imali futhi omunye umuntu wenqaba.Ngakho-ke ukubaluleka kokusebenzisa iziteshi ezibhaliwe (imiyalezo, ama-imeyili) nokugcina izithombe-skrini noma umlando lapho isicelo sakho kanye nempendulo yaso kubonakala khona ngokucacile.

Uma inani lilikhulu futhi ukwenqaba komamukeli kuqinile, ungahlala iya emaphoyiseni kazwelonke noma ku-Civil Guard ukuze ufake isikhalazoukuhlinzeka ngawo wonke amadokhumenti onawo: izithombe-skrini zohlelo lokusebenza ezibonisa ukunyakaza, izingxoxo, idatha yokuthengiselana, njll.

Noma kunjalo, kuwukuhlakanipha ukuba nengqondo: ngisho nokulandela le ndlela, Ukubuyiselwa kwemali okuphumelelayo akuqinisekisiwe.Yingakho isivikelo esingcono kakhulu ukuvimbela, ukuhlola ngokucophelela inombolo ngaphambi kokuqinisekisa ukuthunyelwa nokugwema ukuthumela inani elikhulu kubantu ongabethembi.

Izincomo zokusebenzisa i-Bizum ngokuphephile

Nakuba i-Bizum iyithuluzi elilula kakhulu nelibanzi, kuyalulekwa ukuthi usebenzise uchungechunge lwezindlela ezinhle kakhulu zokusebenzisa nciphisa izingozi nezinkinga ngezinkokhelo zakhoIningi lazo limane nje linengqondo evamile, kodwa lenza umehluko.

Okokuqala, zijwayeze Qinisekisa inombolo yocingo okungenani kabili ngaphambi kokucindezela okuthi “Thumela”Ikakhulukazi uma ubhala ngesandla. Inombolo eyodwa engalungile ingakubangela izinkinga eziningi futhi kuthathe isikhathi eside ukuzama ukuyibuyisela.

Noma nini lapho kungenzeka, hlola isikrini sokuqinisekisa: uhlelo lokusebenza luvame ukubonisa igama lomuntu ohlotshaniswa naleyo nomboloUma kukhona okungabukeki kahle, uma ubona igama elingajwayelekile noma into ehlukile kulokho obukulindele, yeka ukusebenza bese uhlola futhi.

Gwema ukwabelana ngenombolo yakho yocingo kalula, ikakhulukazi emphakathini noma nabantu ongabazi. Uma uzosebenzisa i-Bizum ngezinjongo zebhizinisi noma zobungcweti, Cabanga ngokuba nomugqa ozinikele wokukhokha.ukuze ungavezi inombolo yakho yomuntu siqu kuwo wonke umuntu.

Okokugcina, khumbula ukuthi uma othile ecela inombolo yakho yeselula noma ekuthumelela izixhumanisi noma imiyalezo "egameni lebhange lakho" ukuqinisekisa inkokhelo ye-Bizum, Yiba nokungabaza futhi uxhumane nebhange lakho ngqo. kusetshenziswa iziteshi ezisemthethweni. Ukuhlanganiswa kwefoni neBizum nakho kuyindawo evundile yemizamo yokukhwabanisa.

Uma ucabanga ngakho konke okungenhla, kulula ukuqonda ukuthi kungani iBizum ijikeleza inombolo yocingo nokuthi kungani kungekho ndlela yomlingo yokuthumela imali ngaphandle kokwazi: Uhlelo lubeka phambili ubulula kanye nobumfihlo bomsebenzisi., ukuvumela izindlela ezinqamulelayo ezifana nokucela imali, ukuvikela ukufinyelela kufoni yeselula yomthumeli, ukubuyisela imali uma umamukeli engabhalisi, kanye nokunikeza njalo ithuba lokuthatha isinyathelo somthetho uma othile egcina inkokhelo ngephutha, ukuze uqhubeke nokusebenzisa ithuluzi ngokuzethemba empilweni yakho yansuku zonke.