- Amadivayisi okukhwabanisa ayinkimbinkimbi kanye nokukhwabanisa nge-phishing kunzima kakhulu ukuwabona, okubangela ukulahlekelwa kwezigidigidi.
- Amakhadi e-EBT asebenzisa imivimbo yamagnetic asengozini enkulu, futhi ukubuyiswa kwezinzuzo ezebiwe kuhamba kancane.
- Abakhohlisi basebenzisa ubunjiniyela bezenhlalo, i-AI, kanye namanani amancane okuhlola ukweba idatha yamakhadi ngaphandle kokutholwa.
- Ochwepheshe batusa izinkokhelo ngaphandle kokuthinta, ukuhlola ama-terminal, ukumboza ama-PIN, kanye nokuqapha ama-akhawunti njalo.
Ukukhwabanisa ngamakhadi asebhange sekuyinkinga enkulu kubathengi kanye nezikhungo zezimali emhlabeni jikelele. Imisebenzi yakamuva yeziphathimandla ithole ukwanda okwesabekayo kwamadivayisi okukhwabanisa asezingeni eliphezulu kanye nokukhwabanisa kwe-phishing okungaqeda ama-akhawunti ngemizuzu embalwa. I- Secret Service yodwa ibilokhu iphenya amacala amaningi kulo lonke elase-US, kanti eMexico, i-Comisión Nacional para la Protección and Defensa de los Usuarios de Servicios Financieros (Condusef) ibike ukwanda okungu-18% kwezikhalazo zokukhwabanisa phakathi nezinyanga ezinhlanu zokuqala zika-2026.
Okwenza lawa ma-scandal abe yingozi kakhulu ukuthi avame ukunganakwa kuze kube sekwephuzile. Izisulu eziningi ziyaqaphela kuphela ukuthi kukhona okungahambi kahle lapho zibona izindleko ezingagunyaziwe noma ibhalansi ye-akhawunti yazo yehla. Nakuba kungekho muntu ovikelekile ngokuphelele, amaqembu athile - njengalawo athembele kumakhadi e-Electronic Benefit Transfer (EBT) - asengozini enkulu ngoba amakhadi awo asasebenzisa ubuchwepheshe be-magnetic stripe obuphelelwe yisikhathi, okwenza kube lula ukuwakopisha.
Usongo Olukhulayo Lokuskena Amakhadi Nokuqopha I-Phishing
Amadivayisi okwehlisa ijubane asefihlwe kahle kangangokuthi ngisho nochwepheshe bezokuphepha bayamangala. I-Secret Service muva nje ihlasele amakhulu ezitolo eLos Angeles futhi yathola amadivayisi afana ncamashi nama-terminal okukhokha angempela, agcwele ama-hologram okuphepha mbumbulu. Lawa madivayisi anganamathiselwa kubafundi bangempela ngaphansi kwemizuzwana emibili , kanti amanye aze abe nama-transmitter angenantambo athumela idatha eyebiwe esigebengwini esiseduze ngaphandle kwesidingo sokubuyisa idivayisi. Ngokusho kwe-Secret Service, i-skimmer eyodwa ingakhiqiza imali eyebiwe efika ku-$1 million , futhi izindleko eziphelele zokwehlisa ijubane kubathengi nasezikhungweni zezimali zidlula u-$1 billion ngonyaka . Ngo-2025 kuphela, abomthetho basuse ama-skimmer angaphezu kuka-400 angekho emthethweni ezweni lonke, futhi le nhlangano ineziphenyi zikahulumeni ezingu-32 ezisebenzayo kuzo zonke izifundazwe ezingu-15.
Komunye umsebenzi wase-LA, iziphathimandla zahlola izindawo zokukhokha ezingu-1,749 emabhizinisini angu-328 futhi zabamba ama-skimmer angu-16, okuvimbela ukulahlekelwa okungaba khona okungaba yizigidi ezingu-16.6 zamaRandi . Lokhu kukhombisa ubukhulu benkinga kanye nesidingo sokuqapha njalo.
Izinhloso Ezisengozini: I-EBT kanye Nobuchwepheshe Bokukhokha Obudala
Amakhadi e-EBT ayinhloso eyinhloko yokuwasebenzisa ngokukhululeka ngoba amaningi asathembele kumugqa onama-magnetic, ongakopishwa kalula. Abakhohlisi bangakopisha idatha kusuka kumugqa baye ekhadini elingenalutho, futhi uma bethola ne-PIN, bakhiphe i-akhawunti . Izisulu zivame ukuthola ukwebiwa lapho zizama ukuthenga ukudla noma izidingo eziyisisekelo, futhi ukuthola izinzuzo ezebiwe kungathatha amasonto, kushiye imindeni ingenamali ebalulekile. I-Food and Nutrition Service yoMnyango Wezolimo wase-US ivumile ukwanda kokukhwabanisa futhi isebenza nezifundazwe ukwethula amakhadi e-EBT asebenzisa i-chip, kodwa ushintsho luhamba kancane. Kuze kube yileso sikhathi, izigidi zabazuzi zisadalulwa.
Amaphoyisa aqaphela ukuthi amaqembu obugebengu akhetha ngqo izindawo lapho ukusetshenziswa kwe-EBT kuphezulu khona, njengezitolo zokudla ezamukela izinzuzo zikahulumeni. Ubugebengu obuhleliwe buhlotshaniswa neminye yale misebenzi, buhamba kuzo zonke izifundazwe ukuze bufake ama-skimmer futhi buqhubeke ngokushesha.
Indlela Abakhwabanisi Abasebenza Ngayo: Kusukela Ku-Phishing Kuya Kubunjiniyela Bezenhlalo
Ngaphandle kokusebenzisa ulwazi oluningi, ubugebengu bokweba imininingwane ebucayi kanye nobunjiniyela bezenhlalo kusalokhu kuyithuluzi elinamandla lokukhwabanisa amakhadi. Abakhohlisi bathumela ama-imeyili, imiyalezo, noma amakhodi e-QR abonakala sengathi avela emabhange noma ezitolo ezisemthethweni, bekhohlisa izisulu ukuthi zifake iziqinisekiso zazo. Kwesinye isigameko samuva nje eSpain, iqembu lezigebengu lisebenzise ubunjiniyela bezenhlalo ukuthola amakhodi okuqinisekisa kumakhasimende ngenkathi lizenza onogada besitolo, libavumela ukuthi bathenge ngenani eliphezulu. Benza ukuthengiselana okukhohlisayo okungaphezu kuka-€10,500 ngaphambi kokubanjwa.
Abakhohlisi banamuhla basebenzisa ubuhlakani bokwenziwa ukudala imiyalezo engokoqobo ngisho namazwi akopishiwe, okwenza kube nzima ukubona ukukhohlisa. Baqoqa imininingwane yomuntu siqu ezinkundleni zokuxhumana ukuze benze ukuhlasela okukholisayo. Ngaphezu kwalokho, abanye abakhohlisi bahlola idatha yamakhadi eyebiwe ngamanani amancane, avame ukunganakwa, ngaphambi kokukhipha imali enkulu.
I-Guardia Civil eSpain ixwayise ngohlelo lapho izindleko ezingagunyaziwe ziqala ngamanani amancane kakhulu ukuze kubonakale ukuthi ikhadi liyasebenza yini, bese likhuphuka ngokushesha. Yingakho ukuhlola izitatimende zakho zasebhange njalo kubalulekile.
Izincomo Zochwepheshe Zokuzivikela
Ukuze ugweme ukuba yisisulu, ochwepheshe bayeluleka ukuthi kuthathwe izinyathelo ezimbalwa ezilula zokuqapha. Noma nini lapho kungenzeka, sebenzisa izinkokhelo ezingenakuthintana noma ama-wallet eselula, njengoba lokhu kunzima kakhulu ngabasiki be-skim ukubavimba. Ngaphambi kokufaka ikhadi lakho, hlola i-terminal ukuthola noma yiziphi izingxenye ezikhululekile, izimo ezingavamile, noma izimpawu zokuphazanyiswa. Mboza i-PIN yakho ngesandla sakho lapho uyifaka, futhi ugweme ukusebenzisa i-terminal ebonakala yonakele noma esolisayo.
Setha izexwayiso nebhange lakho noma umkhiphi wekhadi ukuze uthole izaziso zesikhathi sangempela zazo zonke izinkokhelo. Uma ubona noma yimuphi umsebenzi ongajwayelekile, xhumana nesikhungo sakho sezezimali ngokushesha usebenzisa inombolo ekhadini lakho noma kuhlelo lokusebenza olusemthethweni. Kubasebenzisi be-EBT, kubaluleke kakhulu ukubuyekeza umlando we-akhawunti yakho njalo, ushintshe i-PIN yakho okungenani kanye ngenyanga , futhi ungalokothi wabelane nge-PIN yakho noma inombolo yekhadi nanoma ubani oxhumana nawe ngokuzumayo.
Futhi qaphela imiyalezo engacelwanga ekuphoqa ukuthi uthathe isinyathelo ngokushesha—njengesexwayiso se-akhawunti evinjiwe noma inkokhelo esolisayo. Qinisekisa njalo ngokuya ngqo kuwebhusayithi esemthethweni yebhange lakho noma kuhlelo lokusebenza. Nika amandla ukuqinisekiswa kwezinto ezimbili lapho kungenzeka khona, gcina amadivayisi akho evuselelwe, bese ulanda izinhlelo zokusebenza ezitolo ezisemthethweni kuphela. Uma uba yisisulu, bika ebhange lakho kanye neziphathimandla ezifanele, bese ulondoloza noma yibuphi ubufakazi.
Njengoba ukukhwabanisa ngamakhadi kuba yinkimbinkimbi nsuku zonke, ukuhlala unolwazi kuyindlela yakho engcono kakhulu yokuzivikela. Umthelela walezi zinkohliso udlulela ngale kokulahlekelwa yimali, ushaya kakhulu abasebenzisi abasengozini. Ngokwamukela imikhuba ehlakaniphile nokuhlala uqaphile, unganciphisa kakhulu ingozi yakho futhi usize ekuvikeleni imali yakho oyisebenzele kanzima.