M\u00fct\u0259x\u0259ssisl\u0259r deyirl\u0259r ki, m\u00fc\u015ft\u0259ri il\u0259 ba\u011fl\u0131 m\u0259xfi m\u0259lumatlar\u0131n \u00e7oxu bankda olur v\u0259 \u0259m\u0259kda\u015f\u0131n m\u00fc\u015ft\u0259rid\u0259n h\u0259min m\u0259lumatlar\u0131 ist\u0259m\u0259yin\u0259 ehtiyac\u00a0 yoxdur. \u018fg\u0259r bunu soru\u015furlarsa, dem\u0259li…<\/p>\n
Bank kartlar\u0131ndan o\u011furluq, o\u011furlu\u011fa c\u0259hd hallar\u0131n\u0131n say\u0131 son vaxtlar xeyli art\u0131b. Bank ad\u0131ndan z\u0259ng ed\u0259r\u0259k, yaxud bank\u0131n v\u0259zif\u0259li \u015f\u0259xsl\u0259rinin adlar\u0131ndan mesaj yazaraq v\u0259t\u0259nda\u015flardan kart m\u0259lumatlar\u0131n\u0131 ist\u0259yirl\u0259r. \u00dcmumiyy\u0259tl\u0259, m\u00fcxt\u0259lif yollarla \u015f\u0259xsl\u0259rin kart m\u0259lumatlar\u0131n\u0131 \u0259ld\u0259 etm\u0259y\u0259 c\u0259hdl\u0259r olur. \u018fg\u0259r bu ist\u0259kl\u0259rin\u0259 \u00e7at\u0131rlarsa, \u015f\u0259xsin kart\u0131ndak\u0131 b\u00fct\u00fcn m\u0259bl\u0259\u011fi \u00e7\u0259kirl\u0259r.<\/p>\n
B\u0259zi v\u0259t\u0259nda\u015flar ay\u0131q t\u0259rp\u0259nib kart m\u0259lumatlar\u0131n\u0131 h\u0259min \u015f\u0259xsl\u0259rl\u0259 payla\u015fmasalar da, aldananlar da az deyil. B\u0259s aldanmamaq \u00fc\u00e7\u00fcn n\u0259l\u0259ri bilm\u0259liyik?<\/p>\n
\u201cKaspi\u201d\u00a0q\u0259zeti<\/strong><\/a>\u00a0m\u0259s\u0259l\u0259ni ara\u015fd\u0131rmaq q\u0259rar\u0131na g\u0259lib.<\/p>\n \u015e\u00fcbh\u0259li m\u0259qam<\/strong><\/p>\n M\u0259rk\u0259zi Bank\u0131n Milli \u00f6d\u0259ni\u015f sisteminin inki\u015faf\u0131 \u015f\u00f6b\u0259sinin r\u0259isi Ramil Mahmudov deyir ki, m\u00fc\u015ft\u0259ri il\u0259 ba\u011fl\u0131 m\u0259xfi m\u0259lumatlar\u0131n \u00e7oxu bankda olur, ona g\u00f6r\u0259, bank \u0259m\u0259kda\u015flar\u0131 konfidensial m\u0259lumatlar\u0131 telefonda ist\u0259mirl\u0259r: \u201cSon d\u00f6vrl\u0259r, x\u00fcsusil\u0259 sosial \u015f\u0259b\u0259k\u0259 \u00fcz\u0259rind\u0259n bank ad\u0131ndan \u0259laq\u0259 saxlay\u0131b m\u00fc\u015ft\u0259ril\u0259rd\u0259n kartlar\u0131 il\u0259 ba\u011fl\u0131 bir s\u0131ra konfidensial m\u0259lumatlar ist\u0259nilir. Bu, b\u0259z\u0259n m\u00fc\u015ft\u0259ril\u0259rd\u0259 \u015f\u00fcbh\u0259 yaratm\u0131r. Amma m\u00fc\u015ft\u0259ri diqq\u0259tl\u0259 yana\u015fsa, onda \u015f\u00fcbh\u0259 yaranacaq ki, bank ona hans\u0131 m\u0259qs\u0259dl\u0259 z\u0259ng edir? \u00c7\u00fcnki m\u00fc\u015ft\u0259ri il\u0259 ba\u011fl\u0131 m\u0259xfi m\u0259lumatlar\u0131n \u00e7oxu bankda olur v\u0259 \u0259m\u0259kda\u015f\u0131n m\u00fc\u015ft\u0259rid\u0259n h\u0259min m\u0259lumatlar\u0131 ist\u0259m\u0259yin\u0259 ehtiyac\u00a0 yoxdur. \u018fg\u0259r bunu soru\u015furlarsa, dem\u0259li, bank \u0259m\u0259kda\u015f\u0131 deyil\u201d.<\/p>\n Bank 16 r\u0259q\u0259mli kodu ist\u0259mir<\/strong><\/p>\n R.Mahmudovun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, bank \u0259m\u0259kda\u015f\u0131 telefonda kart\u0131n 16 r\u0259q\u0259mli kodunu ist\u0259y\u0259 bilm\u0259z: “M\u00fc\u015ft\u0259ri bankla \u0259laq\u0259 saxlayanda bank \u0259m\u0259kda\u015f\u0131 telefonda m\u00fc\u015ft\u0259ri il\u0259 eynil\u0259\u015fdirm\u0259, d\u0259qiql\u0259\u015fdirm\u0259 apar\u0131r. M\u0259xfi s\u00f6z soru\u015fulur. Bir d\u0259 kart\u0131n 16 r\u0259q\u0259mli kodunun son 4 r\u0259q\u0259mi yet\u0259rli olur ki, bank \u0259m\u0259kda\u015f\u0131 onu sistemd\u0259 taps\u0131n. Bank \u0259m\u0259kda\u015f\u0131n\u0131n 16 r\u0259q\u0259min ham\u0131s\u0131n\u0131\u00a0 telefonda ist\u0259m\u0259yin\u0259 ehtiyac yoxdur. Kims\u0259 telefon z\u0259ngi il\u0259 kart\u0131n 16 r\u0259q\u0259mini v\u0259 dig\u0259r m\u0259lumatlar\u0131n\u0131 ist\u0259yirs\u0259, bunlar\u0131 \u00fc\u00e7\u00fcnc\u00fc t\u0259r\u0259f\u0259 verm\u0259kl\u0259 t\u0259hl\u00fck\u0259y\u0259 at\u0131rs\u0131n\u0131z. Kart m\u0259lumatlar\u0131n\u0131 \u00fc\u00e7\u00fcnc\u00fc t\u0259r\u0259fl\u0259 payla\u015fmaq laz\u0131m deyil. \u018fg\u0259r m\u0259xfi m\u0259lumatlar\u0131 kim\u0259s\u0259 verirsinizs\u0259, art\u0131q d\u0259l\u0259duzlara \u015f\u0259rait yaratm\u0131\u015f olursunuz\u201d.<\/p>\n Z\u0259ngd\u0259n \u015f\u00fcbh\u0259l\u0259nirsinizs\u0259…<\/strong><\/p>\n R.Mahmudov deyir ki, daha \u015f\u00fcbh\u0259li bir m\u0259qam is\u0259 bank\u0131n r\u0259hb\u0259r i\u015f\u00e7il\u0259rinin ad\u0131ndan \u0259laq\u0259 saxlan\u0131lmas\u0131d\u0131r: “V\u0259t\u0259nda\u015flar bilsinl\u0259r ki, m\u00fc\u015ft\u0259ri il\u0259 \u0259laq\u0259 saxlamaq \u00fc\u00e7\u00fcn bankda \u0259m\u0259kda\u015flar var. \u018fm\u0259kda\u015flar ola-ola r\u0259hb\u0259r \u015f\u0259xsin m\u00fc\u015ft\u0259ri il\u0259 \u0259laq\u0259 saxlamas\u0131n\u0131n \u00f6z\u00fc d\u0259 \u015f\u00fcbh\u0259 do\u011furan faktd\u0131r\u201d.<\/p>\n R.Mahmudov vur\u011fulad\u0131 ki, \u0259g\u0259r m\u00fc\u015ft\u0259ril\u0259rin telefon dan\u0131\u015f\u0131\u011f\u0131 zaman\u0131 \u015f\u00fcbh\u0259l\u0259ndikl\u0259ri hal olarsa, dan\u0131\u015f\u0131qdan imtina etm\u0259li v\u0259 \u00f6zl\u0259ri bank\u0131n m\u00fc\u015ft\u0259ri xidm\u0259ti il\u0259 \u0259laq\u0259 saxlamal\u0131d\u0131rlar.<\/p>\n 3 t\u0259hl\u00fck\u0259sizlik qaydas\u0131<\/strong><\/p>\n Kibert\u0259hl\u00fck\u0259sizlik \u00fczr\u0259 ekspert Tural M\u0259mm\u0259dov deyir ki, ilk olaraq \u00fc\u00e7 t\u0259hl\u00fck\u0259sizlik qaydas\u0131na riay\u0259t etm\u0259liyik: \u201cKartlarla ba\u011fl\u0131 \u00f6d\u0259ni\u015f al\u0131r\u0131qsa, ist\u0259nil\u0259n n\u00f6v pulk\u00f6\u00e7\u00fcrm\u0259 \u0259m\u0259liyyat\u0131nda birm\u0259nal\u0131 olaraq 16 r\u0259q\u0259md\u0259n ba\u015fqa he\u00e7 bir m\u0259lumat qar\u015f\u0131 t\u0259r\u0259f\u0259 \u00f6t\u00fcr\u00fclm\u0259m\u0259lidir. \u0130kinci vacib m\u0259qam – b\u00fct\u00fcn bank kartlar\u0131nda “sms security\u201d aktiv edilm\u0259li v\u0259 bu sms-l\u0259r he\u00e7 bir halda he\u00e7 kiml\u0259 b\u00f6l\u00fc\u015fd\u00fcr\u00fclm\u0259m\u0259lidir. \u00dc\u00e7\u00fcnc\u00fcs\u00fc, \u00f6d\u0259ni\u015f zaman\u0131 \u00f6d\u0259ni\u015f edil\u0259n sistem\u0259 – portala diqq\u0259tin edilm\u0259sidir ki, hans\u0131sa fi\u015finq h\u00fccumunun qurban\u0131 olmayasan.<\/p>\n Fi\u015finq h\u00fccumlar\u0131nda, \u0259sas\u0259n, hans\u0131sa m\u0259\u015fhur domen v\u0259 ya portallar\u0131n ox\u015far versiyas\u0131 yarad\u0131laraq insanlar\u0131 aldatma\u011fa \u00e7al\u0131\u015f\u0131rlar. Bu zaman domen ad\u0131n\u0131n bitm\u0259 hiss\u0259sin\u0259 diqq\u0259t etm\u0259k laz\u0131md\u0131r. M\u0259s\u0259l\u0259n, siz “online.azerbank.az” domenind\u0259n \u00f6d\u0259ni\u015f etm\u0259lisinizs\u0259, siz\u0259 \u00f6d\u0259m\u0259 linki kimi \u201cazerbank.online.az\u201d domeni t\u0259qdim edilirs\u0259, anlamal\u0131s\u0131n\u0131z ki, bu iki domen tamam f\u0259rqlidir. Bunlardan birincisi banka aid “azerbank.az\u201d domenidirs\u0259, ikincisi “online.az\u201d kimi xidm\u0259t g\u00f6st\u0259r\u0259n tamam ba\u015fqa bir sah\u0259 \u00fc\u00e7\u00fcn domen ad\u0131d\u0131r. V\u0259 ya “online.azarbank.az\u201d t\u0259qdim edilirs\u0259, baxmaq laz\u0131md\u0131r ki, istifad\u0259 olunan domen ad\u0131nda h\u0259rf d\u0259yi\u015fikliyi varm\u0131\u201d.<\/p>\n Vi\u015finq h\u00fccumu il\u0259 ba\u011fl\u0131 q\u0131z\u0131l qayda<\/strong><\/p>\n T.M\u0259mm\u0259dovun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, bank \u0259m\u0259kda\u015flar\u0131 ad\u0131ndan z\u0259ng edil\u0259n zaman is\u0259 \u0259sas bir m\u0259s\u0259l\u0259y\u0259 diqq\u0259t yetirm\u0259k laz\u0131md\u0131r: “Fi\u015finq h\u00fccumun s\u0259sli versiyas\u0131 olan vi\u015finq h\u00fccumlar\u0131 il\u0259 ba\u011fl\u0131 is\u0259 bir q\u0131z\u0131l qayda var. Bank he\u00e7 bir zaman siz\u0259 z\u0259ng edib kart m\u0259lumatlar\u0131n\u0131z\u0131 h\u0259r hans\u0131 s\u0259b\u0259b \u00fc\u00e7\u00fcn ist\u0259mir. Bunu ist\u0259yirs\u0259, t\u0259bii ki, verm\u0259k olmaz. Bu zaman qar\u015f\u0131 t\u0259r\u0259f m\u0259qs\u0259din\u0259 \u00e7ata bilmir\u201d.<\/p>\n T\u0259l\u0259sdirirl\u0259rs\u0259\u2026<\/strong><\/p>\n T.M\u0259mm\u0259dov deyir ki, \u0259g\u0259r d\u0259l\u0259duzlar\u0131n h\u0259d\u0259fin\u0259 tu\u015f g\u0259libsinizs\u0259, onlar daim m\u00fcxt\u0259lif b\u0259han\u0259l\u0259rl\u0259 sizi t\u0259l\u0259sdir\u0259c\u0259kl\u0259r: \u201cT\u0259l\u0259sdirm\u0259 v\u0259 h\u0259d\u0259f \u015f\u0259xsin q\u0259rar verm\u0259sin\u0259 s\u00f6vqetm\u0259 bel\u0259 h\u00fccumlar\u0131n \u0259sas qay\u0259sidir. \u015e\u00fcbh\u0259li durumlarla qar\u015f\u0131la\u015fd\u0131qda t\u0259l\u0259sik q\u0259rar verm\u0259m\u0259k \u00fc\u00e7\u00fcn ilk ed\u0259c\u0259yiniz i\u015f \u0259n yax\u015f\u0131 halda \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xsl\u0259rd\u0259n m\u0259sl\u0259h\u0259t almaq v\u0259 prosesi uzatmaq olmal\u0131d\u0131r\u201d.<\/p>\n \u201cS\u0131f\u0131r g\u00fcv\u0259n\u201d<\/strong><\/p>\n T.M\u0259mm\u0259dov qeyd etdi ki, kart m\u0259lumatlar\u0131n\u0131n payla\u015f\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 “zero trust\u201d (S\u0131f\u0131r g\u00fcv\u0259n) qaydas\u0131na riay\u0259t edilm\u0259lidir: “Kartdan karta kims\u0259 siz\u0259 \u00f6d\u0259ni\u015f ed\u0259c\u0259ks\u0259, bu zaman kart\u0131n \u015f\u0259klini \u00e7\u0259kib g\u00f6nd\u0259rm\u0259k \u0259v\u0259zin\u0259, laz\u0131m olan kodu yaz\u0131b g\u00f6nd\u0259rm\u0259k daha m\u0259sl\u0259h\u0259tdir. \u00c7\u00fcnki kart\u0131n \u015f\u0259klini \u00e7\u0259kdiyiniz zaman kartda vacib m\u0259lumatlardan olan kart\u0131n bitm\u0259 tarixi d\u0259 qar\u015f\u0131 t\u0259r\u0259f\u0259 g\u00f6nd\u0259rilmi\u015f olur. \u00c7ox m\u0259hdud sayda olsa da, internetd\u0259 el\u0259 xidm\u0259tl\u0259r var ki, oradan CVC kodsuz al\u0131\u015f-veri\u015f etm\u0259k m\u00fcmk\u00fcn olur. Bel\u0259 hallar\u0131n qurban\u0131 olmamaq \u00fc\u00e7\u00fcn kart m\u0259lumatlar\u0131n\u0131n bu formada \u015f\u0259klinin payla\u015f\u0131lmas\u0131 m\u0259qs\u0259d\u0259uy\u011fun deyil. Bunu b\u0259z\u0259n hans\u0131sa yard\u0131m kampaniyalar\u0131nda edirl\u0259r. Bu, he\u00e7 d\u0259 t\u0259hl\u00fck\u0259siz deyil. Bunun \u0259v\u0259zin\u0259, \u00f6d\u0259ni\u015f \u00fc\u00e7\u00fcn sad\u0259c\u0259 16 r\u0259q\u0259mi v\u0259 ya hesab n\u00f6mr\u0259sini payla\u015fa bil\u0259rsiniz. T\u0259hl\u00fck\u0259sizlikl\u0259 ba\u011fl\u0131 “zero trust” dey\u0259 bir qayda var. F\u0259rdi m\u0259lumatlarla v\u0259 ya kartlarla i\u015fl\u0259y\u0259rk\u0259n h\u0259r k\u0259s\u0259 “zero trust” yana\u015fmas\u0131 t\u0259tbiq edilm\u0259lidir\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":" M\u00fct\u0259x\u0259ssisl\u0259r deyirl\u0259r ki, m\u00fc\u015ft\u0259ri il\u0259 ba\u011fl\u0131 m\u0259xfi m\u0259lumatlar\u0131n \u00e7oxu bankda olur v\u0259 \u0259m\u0259kda\u015f\u0131n m\u00fc\u015ft\u0259rid\u0259n h\u0259min m\u0259lumatlar\u0131 ist\u0259m\u0259yin\u0259 ehtiyac\u00a0 yoxdur. \u018fg\u0259r bunu soru\u015furlarsa, dem\u0259li… Bank kartlar\u0131ndan o\u011furluq, o\u011furlu\u011fa c\u0259hd hallar\u0131n\u0131n say\u0131 son vaxtlar xeyli art\u0131b. Bank ad\u0131ndan z\u0259ng ed\u0259r\u0259k, yaxud bank\u0131n v\u0259zif\u0259li \u015f\u0259xsl\u0259rinin adlar\u0131ndan mesaj yazaraq v\u0259t\u0259nda\u015flardan kart m\u0259lumatlar\u0131n\u0131 ist\u0259yirl\u0259r. \u00dcmumiyy\u0259tl\u0259, m\u00fcxt\u0259lif yollarla \u015f\u0259xsl\u0259rin kart m\u0259lumatlar\u0131n\u0131 \u0259ld\u0259 etm\u0259y\u0259 c\u0259hdl\u0259r olur. \u018fg\u0259r bu ist\u0259kl\u0259rin\u0259 \u00e7at\u0131rlarsa, \u015f\u0259xsin kart\u0131ndak\u0131 b\u00fct\u00fcn m\u0259bl\u0259\u011fi \u00e7\u0259kirl\u0259r. B\u0259zi v\u0259t\u0259nda\u015flar ay\u0131q t\u0259rp\u0259nib kart m\u0259lumatlar\u0131n\u0131 h\u0259min \u015f\u0259xsl\u0259rl\u0259 payla\u015fmasalar da, aldananlar da az deyil. B\u0259s aldanmamaq \u00fc\u00e7\u00fcn n\u0259l\u0259ri bilm\u0259liyik? \u201cKaspi\u201d\u00a0q\u0259zeti\u00a0m\u0259s\u0259l\u0259ni ara\u015fd\u0131rmaq q\u0259rar\u0131na…<\/p>\n","protected":false},"author":2,"featured_media":391822,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[26],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/10\/FotoJet-29-1.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/10\/FotoJet-29-1.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/10\/FotoJet-29-1.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/10\/FotoJet-29-1-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/10\/FotoJet-29-1-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/10\/FotoJet-29-1.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/10\/FotoJet-29-1.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/10\/FotoJet-29-1.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/10\/FotoJet-29-1-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2021\/10\/FotoJet-29-1.jpg",620,413,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"Sosial<\/a>","rttpg_excerpt":"M\u00fct\u0259x\u0259ssisl\u0259r deyirl\u0259r ki, m\u00fc\u015ft\u0259ri il\u0259 ba\u011fl\u0131 m\u0259xfi m\u0259lumatlar\u0131n \u00e7oxu bankda olur v\u0259 \u0259m\u0259kda\u015f\u0131n m\u00fc\u015ft\u0259rid\u0259n h\u0259min m\u0259lumatlar\u0131 ist\u0259m\u0259yin\u0259 ehtiyac\u00a0 yoxdur. \u018fg\u0259r bunu soru\u015furlarsa, dem\u0259li… Bank kartlar\u0131ndan o\u011furluq, o\u011furlu\u011fa c\u0259hd hallar\u0131n\u0131n say\u0131 son vaxtlar xeyli art\u0131b. 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