Noma isiphi iSikhungo Sebhange sinikeza amakhasimende aso ukusetshenziswa kwekhadi ledebhithi, okuyithuluzi eliwusizo kakhulu ekusebenzeni okuhlukahlukene.Ukuze uvikeleke, igama-mfihlo liyadingeka elivumela ukufinyelela kuthuthuke kulolu hlobo lwesevisi. Nokho, iklayenti lingazibuza lo mbuzo olandelayo Ithini ikhodi yekhadi lasebhange? Lesi sihloko sizochaza imininingwane eyengeziwe ngalesi sihloko, ngakho-ke kuyanconywa ukuthi uqhubeke nalokhu kufunda.
Ithini ikhodi yekhadi lasebhange?
Ukuvikeleka kwemali Ebhizinisini Lamabhange kungenye yezinto ezibalulekile ezinikezwa umphakathi, ngendlela yokuthi ukuphepha kwemali kuqinisekiswe kanye nezinqubo ezijwayelekile ezenzekayo futhi kubalulekile ukuthi kugwenywe ukukhwabanisa noma ukuguqulwa. I-Akhawunti Yasebhange, ilimaze iklayenti.
Iklayenti kumele libe namandla okulawula lokhu kanye nazo zonke izindlela ezihlobene, ngakho-ke, lidinga ngaso sonke isikhathi ukwazi ukuthi igama eliyimfihlo lekhadi lasebhange liyini, elimele imininingwane ebalulekile yokungena ohlelweni nokwenza izinhlobo ezahlukene zokusebenza, kungaba, ukukhokha. yamasevisi, ukudluliselwa kanye nanoma yiluphi olunye uhlobo lomsebenzi wezezimali ongase ube nesithakazelo kuwo.
Lokhu okuthunyelwe kuzochaza yonke imininingwane okufanele inqunywe uyini ukhiye wekhadi lasebhange. Njengoba sekuchaziwe, imelela ithuluzi elihle kakhulu elisetshenziswa nsuku zonke.
Lapho uvula i-akhawunti yasebhange, kakade kungokwemvelo ukuthi iklayenti linikezwe ikhadi lasebhange futhi into ebalulekile ngeklayenti, kulesi sici, ukwazi. uyini ukhiye we-interbank wekhadi lasebhange, esebenza njengokhiye okuvumela ukuthi uvule okuqukethwe kolwazi kanye Nokwenziwa Kwebhange okufunayo. Ukuvikeleka kokusebenza kumelelwe, enanini lalowo khiye njengoba, phakathi kwezinye izici, kuvumela ukulawulwa okuningiliziwe kwezindleko ezenzekayo.
Yingakho umsebenzisi eyohlale enentshisekelo yokwazi ukuthi uyini ukhiye wekhadi ledebithi?, ngakho-ke kungalindelwe ukuthi ngokuvamile iqembu lezinombolo, ikakhulukazi ezine kuzo, njengoba izikhungo ezithile zisebenzisa izinombolo ezifika kweziyisithupha.
Ama-ATM amele enye yezindlela ezisetshenziselwa imibuzo, ukuhoxiswa kwemali, ukukhokhwa kwezinsizakalo, ukukhokhelwa kwabantu besithathu nokunye ukuthengiselana, njengoba ungabona leyo ngxenye ebizwa ngokuthi ukhiye, yakha ipharamitha ebalulekile okufanele ivikelwe, ukuze uyisebenzise njengoba kubonisiwe. nokuthi akufanele kuwele ezandleni zabantu abangenasimilo.
Liyini ikhadi lasebhange?
Emhlabeni wonke, ikhadi ledebhithi selithathe indawo yokukhokha laba ukheshi futhi kulula kakhulu ukwenza ukuthenga futhi kulula ukusebenzisa ikhadi lasebhange, liyinto ewusizo kakhulu futhi ayidingi izidingo eziningi kangaka ukuze lisetshenziswe emabhizinisini ahlukene. noma izinsiza ezidingekayo.
Wonke amakhadi edebithi ngokusobala ahlotshaniswa ne-akhawunti yasebhange, egameni lomsebenzisi, futhi okwenziwa inqubo ukusebenzisa imali ediphozithilwe ukukhokhela izinkonzo eziceliwe, kodwa asikho isikhathi esikhona noma iyiphi imalimboleko noma isikweletu, okuyilokho isetshenziswa njalo, ngamakhadi okuthenga ngesikweletu, uma kuwukuthi amakhadi edebhithi, imali isivele ifakwe ebhange yikhasimende.
Ukhokha kanjani ngekhadi lasebhange?
Uma noma yimuphi umsebenzisi enolwazi ngokhiye wekhadi lasebhange, elikhishwe egameni lakhe futhi alisebenzisa njalo, kufanele azi nokuthi, ngaphezu kwalokho, kunesici sokuphepha esengeziwe, okuyi-CVV eyaziwa kakhulu, imfihlo yekhodi ngokuvamile yakhiwa izinombolo ezintathu futhi lokho kuqinisekisa ngokuqhubekayo, Ukusebenza Kwezezimali, nakokunye ukuthengiselana kuwebhusayithi, kuyadingeka ngenjongo yokunikeza ikhasimende ukuzethemba okukhulu, okuphinde kufakwe ekusetshenzisweni kwezinkokhelo zeselula.
Izici
Izici eziyinhloko zekhadi ledebhithi yilezi ezilandelayo:
- Ukusetshenziswa kwenzelwe ukuthengiselana ezingeni likazwelonke nelamazwe ngamazwe, ngendlela enethezeke kakhulu.
- Izinkokhelo ezinqubweni zokuthenga kanye nesicelo sezinsizakalo ezithile zingenziwa ngosekelo lwenkundla yewebhu kanye nezinye izinhlelo zokusebenza zeselula, ezingase zinikwe amandla okukhokha ngalelo khadi lasebhange.
Imisebenzi yezezimali
Ukusetshenziswa kwansuku zonke kwekhadi ledebhithi, endaweni okuthengiswa kuyo noma ku-ATM, kugunyaza ukusetshenziswa kwezimali ezitholakala ku-akhawunti nanoma yisiphi esinye isici, konke okuholela esimweni sokwenza imisebenzi yezezimali njengalokhu okulandelayo. :
- Ingasetshenziselwa ukuthenga ezitolo ezinephuzu lokudayiswa kweBhange elifanayo lekhadi, noma elinye iBhange.
- Ukuhoxiswa kwemali kuma-ATM nakho kuyenzeka.
- Kulula kakhulu ukushintsha iphasiwedi ngezinjongo zokuphepha.
- Kungenzeka futhi ukuthintana nanoma iyiphi i-akhawunti ngemininingwane yebhalansi.
- Ngokunjalo, kungenzeka futhi uthintane ne-Banking Movements yakamuva.
- Ngakolunye uhlangothi, kukhona amandla okwenza ukudluliselwa kubantu besithathu.
- Izinsizakalo eziningi zingaxhunyaniswa ukwenza izinkokhelo zabo, isibonelo: isevisi yocingo, igesi, ugesi, phakathi kwabanye.
- Enye enye indlela etholakalayo ngekhadi ledebithi ukushajwa kabusha umakhalekhukhwini.
Ungalithola kanjani Iphasiwedi ye-ATM yamakhadi edebithi (umnikazi kanye namanxusa)?
Wonke Amabhange emazweni ahlukahlukene athola amakhadi edebhithi omnikazi noma izikhulu zakhe ezindaweni zawo esikhungweni sezincwadi esibhaliswe ngaphambili, kodwa iBhange Lebhange alikaze lithole okhiye abaphrintiwe, njengoba inqubo yokuthola Lolu lwazi ludinga. inombolo yocingo kanye nezinyathelo eziboniswa yisistimu ngokuqhubekayo kufanele zilandelwe.
Inqubo futhi idinga ukuba namakhadi kanye nesitatimende se-akhawunti sokugcina lapho kufinyelelwa khona, ngoba isistimu idinga ulwazi oluhlobene oluvumela ukuqinisekiswa kobunikazi, lapho izimfuneko ezifanele zikhonjiswe ngezansi:
- Okokuqala, kuyadingeka ukufaka inombolo kamazisi, noma ukwehluleka lokho, inombolo yeminye yemikhiqizo ecelwa uhlelo.
- Okwesibili, ikhodi yocingo kufanele idayelwe, ngokuvamile izinombolo ezi-4 ukuze zikwazi ukungena kulayini wesevisi, okudingekayo ukuze uthole ikhodi ehambisanayo.
- Kukhona nesistimu yokusabela yomsindo, elawula ulwazi ekhadini lasebhange, kungakhathaliseki ukuthi umnikazi wekhadi noma ilungu, futhi elungisa ukuqalisa.
- Uma inqubo yokwenza kusebenze isivele yenziwe, isistimu yokusabela komsindo izobonisa inketho ezokhiqiza ukhiye ku-inthanethi.
- Lesi sigaba sifinyelela umvuthwandaba impendulo yomsindo izokhipha isiqinisekiso sokuthi ukhiye wenziwe ngendlela efanele.
- Esimeni lapho ikhadi livuliwe kodwa ngaphandle kokukhiqiza ukhiye ofanele, ukusetshenziswa kwaleli khadi kuzoholwa kuphela ngamafasitela ehhovisi.
Izincomo zokusetshenziswa
Uma ikhasimende selinikezwe ikhadi ledebhithi ngokulandelana, futhi ngemva kokulisebenzisa isikhathi esithile, ngokwezinjongo zokuphepha kulula kakhulu ukushintsha igama-mfihlo elinikezwe ekuqaleni bese uqhubeka nokushintsha igama-mfihlo elishiwo ngokulandelana, ukuze ugweme ukungenelela okungenzeka, noma ukungena ngendlela engafanele kwabantu abangathembekile, okungenzeka ukuthi ngesinye isikhathi bathole ukwaziswa futhi bakhiphe imali Kuma-Akhawunti Ebhange. Ukusetshenziswa kokhiye kufanele kwenziwe ngendlela eyimfihlo kakhulu, kugwenywe ukubonwa ngabantu besithathu.
Amakhasimende amaningi anomkhuba ongalungile wokukhetha amadijithi ephasiwedi yekhadi ledebithi anedatha ebikezelwayo njengokuthi: usuku lokuzalwa, izinombolo zocingo kanye nedatha yendawo yomuntu siqu, leli siko alilungile ngaso sonke isikhathi ngoba ngandlela thize Lenza kube lula kunoma yimuphi umhlaseli. noma i-hacker ukuze ufinyelele ekhadini lasebhange lekhasimende. Noma iyiphi inhlanganisela eyenzelwe ukwakhiwa kokhiye oyimfihlo kumele ichazwe ngendlela yokuthi umsebenzisi kuphela angayikhumbula kalula, njengesinyathelo sokuphepha somuntu siqu.
Ngesinye isikhathi, ngenkathi enza umsebenzi othile, esitolo noma ebhange, futhi, ku-ATM, ikhasimende lingase libe nomuzwa wokuthi umuntu angamazi ubukele ukunyakaza kwakhe, ngakho-ke kulula ukuqapha ngalesi simo kusukela ngaleso sikhathi nganoma yisiphi isikhathi. ikhadi ledebithi lingantshontshwa futhi isigebengu singakwazi ukufinyelela. Kulesi simo, kunendlela yokuphepha ewusizo kakhulu ehlanganisa ukuvimba ikhadi ngokushesha, ngokushayela inombolo yesevisi yamakhasimende ebhange elihambisana nekhadi.
Elinye isiko elingafanele, elokuthi abasebenzisi abaningi bayazibophezela, ukudalula ukhiye wekhadi labo lasebhange langasese kwabanye abantu, njengoba ubungozi obukhona bukhulu futhi "ukwethenjwa" okunikezwayo akuthetheleleki nhlobo. empeleni akumeleli nganoma yisiphi isikhathi ukwethembeka ukwazi leyo mfihlo.
Amabhange aphinde asebenzise amasistimu okuvikela amaningana atholakala kukhasimende futhi into etuseka kakhulu ukuwasebenzisa uma kunesidingo, ngenxa yanoma yikuphi ukungabaza noma lapho kwenziwe ukungaqondi okuthile, okudalula nganoma iyiphi indlela inombolo yekhadi ledebithi elihambisanayo.
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