- Umkhonyovu wemali yemali udala ukuphazamiseka okuncane izigebengu ezisizakala ngakho ukubona i-PIN noma ukweba ikhadi.
- Ukuvimbela okubalulekile: vala ikhibhodi, ungamukeli usizo oluvela kubantu ongabazi, khansela ukuthengiselana futhi ususe ikhadi uma usola okuthile.
- Hlola izikhala ze-ATM nendawo ezungezile; okungcono sebenzisa ama-ATM angaphakathi futhi, uma kune-latch, yivale ngesikhathi sokuthenga.
- Uma usola ukukhwabanisa, vimba amakhadi, yazisa ibhange futhi ulibike; Ama-ATM athola izikweletu zomgunyathi futhi enze izivumelwano zisebenze neBhange LaseSpain.
Nakuba siya ngokuya sikhokha ngekhadi noma ngeselula, imali isabusa ukuthenga okuningi kwansuku zonke futhi, ekugcineni, ama-ATM ayindlela eqondile yokuthola ukheshi. Yingakho ama-ATM ehlala ebalulekile.Naphezu kombono wokuthi asetshenziswa kancane, empeleni, kukhona amashumi ezinkulungwane zama-ATM asatshalaliswa kulo lonke elaseSpain, aqinisekisa ukufinyelela kukheshi ngisho nalapho amagatsha evaliwe.
Lokho kutholakala yonke indawo kubenza babe isizinda sobugebengu. Ama-ATM asephenduke izigebengu Lokhu kuhlasela kuhloswe kuwo womabili ama-akhawunti angenalutho futhi kuthwebule idatha yasebhange ukuze kwandiswe ukukhwabanisa. Kanye nokuhlaselwa okuyinkimbinkimbi, njengokufakwa kwe-malware, I-malware noma ukusetshenziswa kwamadivaysi ukuze ahlanganise amakhadi, kuyaqhubeka tricks Umkhonyovu wakudala osebenza ngendlela emangalisayo. Enye yezinto ezivame kakhulu yilokho okubizwa ngokuthi i-banknote scam, inkohliso elula njengoba iphumelela, ixhaphaza isikhashana sokuphazamiseka.
Uyini umkhonyovu wemali yemali ye-ATM?
Umkhonyovu wemali engamaphepha uyinkohliso eyisisekelo: umuntu ushiya imali ebhalwe phansi emehlweni —ibhajwe phakathi endaweni yokukhipha amanzi noma phansi, khona kanye phambi kwe-cashier— bese ilinda isisulu. Uma bekubona, abantu abaningi bacabanga ukuthi kuwukwengamela, ukuthi othatha imali ukukhiphile ngaphambi kwesikhathi, noma bamane nje babe nenhlanhla. Leyo microsecond yokumangala nokungabaza yilokho amasela alandelayo.
Ngenkathi umuntu ebheke imali yeqolo, Izigebengu zibona zikudeBasizakala ngokunyakazisa ikhanda, ukugoba, noma isenzo sokucosha ukheshi ukuze babambe ngekhanda iphinikhodi uma ikhiphedi ingavaliwe, baqondise ukuze bantshontshe ikhadi uma lishiywa obala, noma ngisho nokukhohlisa inqubo ngokukhohlisa. Ezinhlobonhlobo eziyinkimbinkimbi kakhulu, zingasebenzisa amakhamera amancane agxile kukhiphedi ukuze athwebule ikhodi.
Enye indlela ihlanganisa lokho okubizwa ngokuthi i-self-serving assistance: Umuntu ohambisana naye usondela ngezaba. -I-ATM ayisebenzi kahle, sidinga ukukhansela ngendlela ethile- futhi siqondise isisulu ngeziyalezo ezingamanga ukuze simenze ashiye i-ATM noma ashiye ikhadi lakhe lingagadiwe. Njengoba umuntu edidekile, ukweba kuqedwa ngemizuzwana.
Izinhlangano zabathengi nezokuphepha sezizikhiphile izexwayiso mayelana nale modus operandi. Isihluthulelo seqhinga ukudala ukuphazamiseka okuncane kodwa okwanele ukuthi umsebenzisi alahlekelwe umbono wekhibhodi noma ikhadi lakhe, lapho nje kufanele anake kakhulu.
Kungani ekhohlisa abantu abaningi kangaka?
Lo mkhonyovu uyasebenza ngoba usebenzisa i-reflex yomuntu: ukusabela okungokomzwelo kokuthola imaliLowo mfutho wokubheka eduze, ukukucosha, noma ukuhlola ukuthi kukhona yini okwengeziwe kwehlisa izivikeli zethu futhi kuhlukanise ukunaka kwethu khona kanye ngesikhathi esibucayi somsebenzi.
Lapho ingqondo ihumusha inzuzo engalindelekile, ubeka phambili izisusa zenoveli — imali yemali — uma kuqhathaniswa nemisebenzi evamile njengokuthayipha i-PIN noma ukubamba ikhadi. Ukushintsha kokugxila kwemizuzwana embalwa, kodwa kwanele ukuthi amasela abuke ikhiphedi noma akhiphe ikhadi ngaphandle kokuqaphela komsebenzisi.
Ngaphezu kwalokho, esimweni sokuxhamazela, olayini, futhi ngezinye izikhathi ukukhanya okubi noma ama-ATM emgwaqeni, Umuzwa wokuphuthuma wandisa ukunganaki.Uma ungeza kulokho othile ovela ngezwi eliwusizo futhi enze sengathi uyasiza, isisulu siyehlisa ukuqapha kwaso nakakhulu.
Ngamafuphi, abakhohlisi abazenzi izinto zibe nzima: Bafuna ukuthinta okuzenzakalelayo nokubikezelwayoFuthi ukutholwa kwemali yemali kufanelana ngokuphelele ukuze kuvuse leso sikhathi sokunaka okuhlukene.
Ungawugwema kanjani umkhonyovu we-banknote
Ukuvimbela kusekelwe ezimisweni ezimbili: ukugcina ukulawula ukusebenza nokunqamula noma yiziphi iziphazamiso. Uma ubona i-banknote emehlweni obala, ungayithinti. Khansela okwenziwayo usebenzisa inkinobho ehambisanayo, khipha ikhadi, beka isikhwama sakho semali, bese unquma ukuthi wenzeni ngemali.
Uma othile evela ngenhloso yokusiza, ngisho noma ebonakala enobungani, yenqaba noma yiluphi usizo oluvela kubantu ongabaziUma uzizwa ungakhululekile, khansela bese uya kwenye i-ATM. Ukuphepha kwakho nemali yakho kubaluleke ngaphezu kokuthenga ngokuxhamazela.
Ngaphambi kokuqala, Khetha ama-ATM atholakala endlini — okungcono kakhulu ngaphakathi kwegatsha— noma ezindaweni eziqashwe ngeso lokhozi nezimatasatasa; futhi, uma unokungabaza, hlola Indlela yokukhipha imali ebhange lakhoUma indawo yokwamukela izivakashi inokhiye, ikhiye ngenkathi usebenza ukuze ugweme iziphazamiso. Ngaphandle, khetha izindawo ezimatasa futhi ugweme amahora angasebenzi kakhulu.
Phakathi nenqubo, Mboza ikhibhodi ngesandla sakho samahhala Faka i-PIN yakho ukuze uzivikele emehlweni okubuka kanye namakhamera afihliwe. Uma usuqedile, sula noma yiziphi izigxivizo zeminwe endaweni yekhibhodi njengesexwayiso esingeziwe.
Izimpawu eziyisixwayiso ku-ATM nasezindaweni eziyizungezile
Ukuhlola okusheshayo ngaphambi kokufaka ikhadi kungakongela inkinga. Hlola ngokubona ukuvulwa komfundi kanye ne-dispenser. Bheka izingxenye ezixegayo, izikhala ezingaqondani kahle, amapeshi angajwayelekile, nanoma yiziphi izisetshenziswa ezingabukeki zifakwe efekthri. Uma okuthile kungasebenzi, ungayisebenzisi leyo cashier.
Bheka futhi indawo ekuzungezile. Uma kukhona abantu abazulazulayo noma eduze kakhuluKhansela okwenziwayo futhi uthole enye indawo. Ukuqonda kubalulekile: ungabali imali khona lapho noma uchithe isikhathi esikrinini sefoni yakho.
Uma ubona izinto ezingavamile ezifana nama-banknotes, amaphepha, noma amakhadi abonakala akhohliwe emshinini, Ungawacoshi ngesikhathi sokuhlinzwaKhansela, khipha ikhadi lakho futhi, uma kunesidingo, wazise ibhange lakho ukuthi lihlole i-ATM.
Uma othatha imali enikeza iphutha noma engayikhiphi imali, hlala uzolile. Ungahambi ku-ATM ushiye umsebenzi ungaqediwe.Xhumana nebhange lakho usebenzisa inombolo yesevisi yekhasimende. IsikhumuloLinda kuze kuphele inqubo bese ucela irisidi uma kunesidingo.
Imikhuba emihle yokusebenzisa i-ATM
Ngaphambi kokufaka ikhadi, Cacisa ukuthi uzokwenzaniGwema ukwenza ngcono futhi ungabheki ifoni yakho ngesikhathi sokusebenza. Lokhu kunciphisa iwindi lethuba kunoma ubani ozama ukukuhlola.
Faka i-PIN ngokuzolile futhi uhlale uyimboze. Uma wenze iphutha, lisuse bese uqala futhi. Ngenkathi ugcina ikhiphedi ivaliwe, ungalokothi usho i-PIN yakho noma uyibhale phansi kumphathi wekhadi lakho noma kumakhalekhukhwini wakho.
Ngemuva kokuqeda, Khipha ikhadi bese ubeka isikhwama semali. Ngaphambi kokuthatha ukheshi noma irisidi. I-oda libalulekile: okokuqala indlela yakho yokukhokha, bese kuba okunye.
Uma udinga ukwenza imisebenzi eyinkimbinkimbi, icabanga ukungena ngezikhathi zomsebenzi Ukuze abasebenzi benhlangano batholakale ngakolunye uhlangothi lomnyango uma unemibuzo. Futhi uma ungasiqondi isinyathelo, ungaceli usizo kubantu ongabazi; hamba nomuntu omethembayo.
Okufanele ukwenze uma usola ukukhwabanisa noma usuvele ugetshengwa
I-Speed ngumngane wakho. Vimba amakhadi akho ngokushesha. Shayela inombolo ephuthumayo yebhange lakho noma usebenzise uhlelo lokusebenza. Ngokushesha lapho wenza lokhu, liyancipha igumbi abazolisebenza.
Xhumana nenhlangano yakho ukuze bika okwenzekile futhi ubuyekeze ukunyakazaCela ukuvinjwa kokuvimbela kokuthengiselana futhi, uma kufanele, ukukhishwa kwekhadi elisha.
Faka isikhalazo kuziphathimandla, unikeze imininingwane elandelayo: isikhathi, indawo, othatha imali, kanye nemininingwane efanele —abantu ababezulazula, kungenzeka amakhamera, noma iyiphi into eyinqaba—. Leyo akhawunti isiza uphenyo.
Uma imali ibambeke ku-dispenser, Ungayishiyi i-ATMShayela inombolo yocingo ekhonjiswe emshinini bese ulinda imiyalelo. Cela umbiko wesigameko futhi uphawule inombolo ye-cashier.
Ukwenza imali engamaphepha omgunyathi kanye neqhaza labashashi
Kubalulekile ukuhlukanisa phakathi kwemikhonyovu efana nomkhonyovu wemali engamaphepha kanye nokusatshalaliswa kwemali yomgunyathi. Ama-ATM ahlanganisa ubuchwepheshe obuphambili ukuqaphela ama-banknotes asemthethweni kanye nokuthola imali-mbumbulu ngokusebenzisa imingcele eminingi: oyinki abakhethekile, izimpawu zokuphepha, izakhiwo zephepha, ukuqoshwa kanye nezinye izinto ezingezona ezomphakathi.
Ngaleso sizathu, Kunzima ukufaka ibhili-mbumbulu ku-akhawunti. ngomshini. Uma othatha imali ethola izikweletu ezisolisayo ngesikhathi sediphozithi, zizogcinwa futhi zingacutshungulwa njengediphozithi evumelekile. Umsebenzisi uzothola irisidi yezikweletu ezigciniwe ezisalindile ukuhlaziya.
Imithethonqubo idinga amabhizinisi ukuthi thumela ama-banknotes asolisayo eBhange laseSpain phakathi nesikhathi esibekiwe—imvamisa izinsuku ezimbalwa zebhizinisi—sokuhlaziya kochwepheshe. Uma kuqinisekiswa ukuthi zingamanga, zithathwa njengobufakazi ophenyweni futhi azikhokhwa. Uma ukuhlolwa kuqinisekisa ukuthi bekuyiqiniso, ibhange licubungula inkokhelo.
Lokhu kuqina kwezobuchwepheshe kuchaza ukuthi kungani, kuyilapho umthengi ongenalwazi engakhohliswa ibhili-mbumbulu, Imishini yakhelwe ukubabona. nge high ukuthembekaNgakho-ke ukubaluleka kokuhlala uphatha imali ezindaweni ezilawulwayo kanye namadivayisi athembekile.
Ukuphatha ukheshi ngendlela efanele ezitolo namabhizinisi nakho kunciphisa izingozi. Ukusetshenziswa kwemishini eqinisekisa ama-banknote Ukuphatha ukheshi ngendlela efanele lapho kuqoqwa khona kanye nokusetshenziswa kwemali okusemthethweni kunciphisa ukuchayeka ekukhwabanisa, ikakhulukazi emabhizinisini amancane.
Ezimpilweni zethu zansuku zonke, into ebalulekile ukukhumbula ukuthi inhlanganisela yemikhuba ephephile, ukukhetha ama-ATM alungile, nokunaka imininingwane kuyisihluthulelo. inciphisa iningi lale mikhonyovuUkumboza iphinikhodi, ukungamukeli usizo oluvela kubantu ongabazi, ukuhlola izikhala, nokukhansela uma unokungabaza kuzokugcina uphephile ebuqilini bemali yemali kanye nezinye izingibe ezivamile.
Umlayezo wokugcina ucacile: Ukugxila kwakho kuyisihlangu sakho esihle kakhulu ku-cashier.Gcina amehlo akho esikrinini, isandla sakho sikukhibhodi, ikhadi lakho lihlezi lilawulwa, futhi qaphela noma yiziphi izimanga ezingalindelekile noma usizo lwe-impromptu. Ngokwenza ngale ndlela, iqhinga le-banknote lilahlekelwa yikho konke ukusebenza kwalo, futhi amasela aphuthelwa yithuba lawo legolide.
Umbhali oshisekayo ngomhlaba wamabhayithi nobuchwepheshe ngokujwayelekile. Ngiyathanda ukwabelana ngolwazi lwami ngokubhala, futhi yilokho engizokwenza kule bhulogi, ngikubonise zonke izinto ezithakazelisayo kakhulu ngamagajethi, isofthiwe, ihadiwe, izitayela zobuchwepheshe, nokuningi. Inhloso yami ukukusiza ukuthi uzulazule emhlabeni wedijithali ngendlela elula nejabulisayo.