\u0130T m\u00fct\u0259x\u0259ssisi F\u0259rid P\u0259rd\u0259\u015f\u00fcnas\u00a0\u201cKaspi\u201d<\/strong><\/a>\u00a0q\u0259z\u0259tin\u0259\u00a0a\u00e7\u0131qlamas\u0131nda bildirdi ki, d\u0259l\u0259duzlar kartlara bank\u0131n mobil t\u0259tbiqi vasit\u0259sil\u0259 daxil ola bilirl\u0259r:<\/p>\n \u201cSon vaxtlar d\u0259l\u0259duzlar bank kartlar\u0131n\u0131 yox, banklar\u0131n mobil t\u0259tbiql\u0259rini o\u011furlay\u0131rlar. \u0130nsanlara bununla ba\u011fl\u0131 t\u0259hl\u00fck\u0259sizlik kodu g\u00f6nd\u0259rilir. \u015e\u0259xsiyy\u0259t v\u0259siq\u0259sinin F\u0130N-i \u0259ld\u0259 olunaraq bank kartlar\u0131n\u0131n ham\u0131s\u0131na bird\u0259n daxil olurlar. Bir kart\u0131 g\u00f6t\u00fcr\u00fcb oradak\u0131 m\u0259lumatlarla bank t\u0259tbiqin\u0259 daxil olub dig\u0259r kartlara ke\u00e7id edirl\u0259r. Mobil t\u0259tbiqi o\u011furlay\u0131rlar dey\u0259, h\u0259min banka ba\u011fl\u0131 olan b\u00fct\u00fcn kartlar\u0131 idar\u0259 ed\u0259 bilirl\u0259r\u201d.<\/p>\n \u015e\u0259xsi kart kodlar\u0131n\u0131z\u0131 he\u00e7 kim\u0259 verm\u0259yin<\/strong><\/p>\n Ekspertin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, v\u0259t\u0259nda\u015flar he\u00e7 bir halda \u015f\u0259xsi kodlar\u0131n\u0131 \u00fc\u00e7\u00fcnc\u00fc t\u0259r\u0259fl\u0259 payla\u015fmamal\u0131d\u0131rlar:<\/p>\n \u201cOna g\u00f6r\u0259 d\u0259 v\u0259t\u0259nda\u015flar \u015f\u0259xsiyy\u0259t v\u0259siq\u0259l\u0259rinin F\u0130N kodlar\u0131n\u0131, mesajla g\u0259l\u0259n t\u0259hl\u00fck\u0259sizlik kodlar\u0131n\u0131 he\u00e7 kim\u0259 verm\u0259li deyill\u0259r. \u00c7\u00fcnki F\u0130N kodla da bank\u0131n mobil t\u0259tbiql\u0259rind\u0259 qeydiyyatdan ke\u00e7m\u0259k olur. Qeydiyyatdan ke\u00e7\u0259nd\u0259 3D kod g\u00f6nd\u0259rilir. O kodu da ad\u0259t\u0259n v\u0259t\u0259nda\u015flardan ist\u0259yirl\u0259r. Onlar\u0131 nec\u0259s\u0259 aldad\u0131b \u0259l\u0259 ke\u00e7irirl\u0259r\u201d.<\/p>\n M\u00fc\u015ft\u0259rid\u0259n bu rahatl\u0131\u011f\u0131 almaq olmaz<\/strong><\/p>\n Bank m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 ekspert Emin Mahmudov is\u0259 deyir ki, bank t\u0259tbiqi olmad\u0131qda hesablara \u00e7\u0131x\u0131\u015f \u0259ld\u0259 etm\u0259k m\u00fcmk\u00fcn deyil:<\/p>\n \u201cProqram is\u0259 m\u00fc\u015ft\u0259rinin rahatl\u0131\u011f\u0131 \u00fc\u00e7\u00fcnd\u00fcr. \u0130ndi 100 mind\u0259 bir o\u011furluq olur dey\u0259, m\u00fc\u015ft\u0259rid\u0259n bu rahatl\u0131\u011f\u0131 almaq olmaz. Kart biznesi h\u0259r zaman iki m\u0259s\u0259l\u0259 aras\u0131nda qal\u0131r: t\u0259hl\u00fck\u0259sizliyi d\u0259 qorumal\u0131d\u0131r, m\u00fc\u015ft\u0259riy\u0259 rahatl\u0131q da verm\u0259lidir. Qeyd olunan situasiyalarda d\u0259l\u0259duzlar bir kart\u0131 al\u0131b proqramda qeydiyyatdan ke\u00e7ir v\u0259 kart sahibinin dig\u0259r hesablar\u0131na da daxil olurlar\u201d.<\/p>\n Bankdan g\u0259l\u0259n mesajda b\u00f6y\u00fck h\u0259rfl\u0259rl\u0259 yaz\u0131l\u0131r ki…<\/strong><\/p>\n M\u00fct\u0259x\u0259ssis bildirdi ki, he\u00e7 bir bankda pul k\u00f6\u00e7\u00fcrm\u0259si zaman\u0131 kart\u0131n \u00fcz\u0259rind\u0259ki 16 r\u0259q\u0259md\u0259n ba\u015fqa bir m\u0259lumat t\u0259l\u0259b olunmur:<\/p>\n \u201cKim deyirs\u0259 ki, istifad\u0259 m\u00fcdd\u0259ti, \u00fc\u00e7 r\u0259q\u0259mli kod, telefona g\u0259l\u0259n t\u0259hl\u00fck\u0259sizlik \u015fifr\u0259sini ist\u0259yir, bu, yaland\u0131r, ist\u0259y\u0259n \u015f\u0259xsl\u0259r d\u0259l\u0259duzdur. Bankdan g\u0259l\u0259n mesajda b\u00f6y\u00fck h\u0259rfl\u0259rl\u0259 yaz\u0131l\u0131r ki, kart\u0131n\u0131zdan pul silin\u0259c\u0259k v\u0259 ya bu proqrama giri\u015f kodunuzdur, onu ba\u015fqa \u015f\u0259xsl\u0259rl\u0259 payla\u015fmay\u0131n. Amma insanlar o kodu yen\u0259 d\u0259 kiml\u0259r\u0259s\u0259 verir. Sonra bank\u0131 m\u0259hk\u0259m\u0259y\u0259 verirl\u0259r ki, t\u0259hl\u00fck\u0259sizlik sistemi kifay\u0259t q\u0259d\u0259r qurulmay\u0131b, ona g\u00f6r\u0259 d\u0259 m\u0259lumatlar\u0131m o\u011furlan\u0131b\u201d.<\/p>\n M\u00fc\u015ft\u0259ri t\u0259hl\u00fck\u0259sizlik – sms xidm\u0259tini aktiv etm\u0259lidir<\/strong><\/p>\n E.Mahmudovun fikrinc\u0259, v\u0259t\u0259nda\u015flar m\u00fctl\u0259q 3D t\u0259hl\u00fck\u0259sizlik – sms xidm\u0259tini aktiv etm\u0259lidirl\u0259r:<\/p>\n \u201cB\u0259zi banklarda bu xidm\u0259t pullu oldu\u011fu \u00fc\u00e7\u00fcn insanlar x\u0259sislik edib xidm\u0259t\u0259 qo\u015fulmurlar. Halbuki bu xidm\u0259ti aktiv ets\u0259l\u0259r, kartdan pul \u00e7\u0131x\u0131landa x\u0259b\u0259r tutacaq, silinm\u0259l\u0259r olmam\u0131\u015f kart\u0131 bloklaya bil\u0259c\u0259kl\u0259r. Sosial \u015f\u0259b\u0259k\u0259l\u0259rd\u0259 maarifl\u0259ndirm\u0259 i\u015fi aparmaq, kartlar\u0131n t\u0259hl\u00fck\u0259sizliyi il\u0259 ba\u011fl\u0131 video rolikl\u0259r haz\u0131rlamaq banklar\u0131n m\u0259suliyy\u0259tidir. Rolikl\u0259rd\u0259 bildirilm\u0259lidir ki, m\u0259lumatlar\u0131n\u0131z\u0131 payla\u015fmay\u0131n, bank ad\u0131ndan z\u0259ng edib sizd\u0259n kod ist\u0259dikd\u0259 inanmay\u0131n. Amma m\u00fc\u015ft\u0259ri \u00f6z\u00fc aldan\u0131rsa, burada bank art\u0131q he\u00e7 n\u0259 ed\u0259 bilmir\u201d.<\/p>\n V\u0259t\u0259nda\u015f da d\u00fc\u015f\u00fcn\u00fcr ki, kart m\u0259nd\u0259dir, n\u0259 ed\u0259 bil\u0259r ki?<\/strong><\/p>\n Ekspert qeyd etdi ki, d\u0259l\u0259duz pulu kartdan \u00e7\u0131xar\u0131r, lakin yerli banklarda saxlam\u0131r:<\/p>\n \u201cK\u00f6\u00e7\u00fcr\u00fcl\u0259n banka m\u00fcraci\u0259t edirl\u0259r, m\u0259lum olur ki, pul art\u0131q xaricd\u0259dir. Bu zaman m\u0259sl\u0259h\u0259t g\u00f6r\u00fcl\u00fcr ki, k\u00f6\u00e7\u00fcr\u00fcl\u0259n bank\u0131 polis\u0259 ver, ara\u015fd\u0131rs\u0131nlar, b\u0259lk\u0259, tap\u0131lar. Ara\u015fd\u0131randa da k\u00f6\u00e7\u00fcrm\u0259ni ed\u0259n \u015f\u0259xsl\u0259r \u00e7ox zaman sad\u0259 v\u0259t\u0259nda\u015flar \u00e7\u0131x\u0131r. \u0130nternetd\u0259 v\u0259t\u0259nda\u015flara t\u0259klif edirl\u0259r ki, banklar t\u0259r\u0259find\u0259n pulsuz veril\u0259n kartlar\u0131 sats\u0131nlar. H\u0259tta b\u0259z\u0259n deyirl\u0259r ki, kart \u00f6z\u00fc laz\u0131m deyil, \u015f\u0259klini, r\u0259q\u0259ml\u0259rini g\u00f6nd\u0259r. T\u0259sdiq mesaj\u0131 g\u0259l\u0259n n\u00f6mr\u0259ni d\u0259 d\u0259yi\u015firl\u0259r. Bu zaman kart v\u0259t\u0259nda\u015f\u0131n ad\u0131na olur, lakin onu d\u0259l\u0259duz i\u015fl\u0259dir. V\u0259t\u0259nda\u015f da d\u00fc\u015f\u00fcn\u00fcr ki, kart m\u0259nd\u0259dir, n\u0259 ed\u0259 bil\u0259r ki? Burada d\u0259l\u0259duzluq ed\u0259nin ad\u0131 he\u00e7 bir yerd\u0259 hallanm\u0131r. V\u0259t\u0259nda\u015f n\u0259 q\u0259d\u0259r des\u0259 d\u0259 ki, m\u0259n kart\u0131 ba\u015fqas\u0131na vermi\u015f\u0259m, yen\u0259 d\u0259 m\u0259suliyy\u0259t\u0259 c\u0259lb olunur\u201d.<\/p>\n Bank\u0131n m\u0259suliyy\u0259ti yaln\u0131z v\u0259t\u0259nda\u015fa x\u0259b\u0259rdarl\u0131q etm\u0259kdir<\/strong><\/p>\n E.Mahmudovun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, son 2-3 ildir bank kartlar\u0131na qar\u015f\u0131 d\u0259l\u0259duzluq hallar\u0131 \u00e7oxal\u0131b. Paralel olaraq banklar da bu ill\u0259r \u0259rzind\u0259 sisteml\u0259rini t\u0259kmill\u0259\u015fdiribl\u0259r:<\/p>\n \u201cHe\u00e7 kim dey\u0259 bilm\u0259z ki, kodu verm\u0259diyim halda m\u0259nim kart\u0131mdan pul silinib. Banklar v\u0259t\u0259nda\u015fa mesajla x\u0259b\u0259rdarl\u0131q edir, kod s\u0259hv y\u0131\u011f\u0131ld\u0131qda kart\u0131 bloklay\u0131r, z\u0259ng edib soru\u015fur ki, \u0259m\u0259liyyat\u0131 ed\u0259n sizsiniz? 3D kod olmadan h\u0259yata ke\u00e7iril\u0259n \u0259m\u0259liyyatlarda m\u00fc\u0259yy\u0259n limitl\u0259r qoyur. V\u0259t\u0259nda\u015f \u00f6z\u00fc m\u0259lumatlar\u0131n\u0131 verirs\u0259, art\u0131q bank sistemi onu tuta bilmir, v\u0259t\u0259nda\u015f\u0131n etdiyi \u0259m\u0259liyyat kimi q\u0259bul edir. Beyn\u0259lxalq \u00f6d\u0259ni\u015f kartlar\u0131 -V\u0130SA, MASTERCARD da \u00f6d\u0259ni\u015f 3D kodla olursa, sistem \u0259m\u0259liyyat\u0131 m\u00fc\u015ft\u0259rinin etdiyi kimi qiym\u0259tl\u0259ndirir, he\u00e7 bir etiraz sor\u011fusu a\u00e7maq olmur. Bank\u0131n m\u0259suliyy\u0259ti yaln\u0131z v\u0259t\u0259nda\u015fa x\u0259b\u0259rdarl\u0131q etm\u0259kdir\u201d.<\/p>\n V\u0259t\u0259nda\u015fdan x\u0259b\u0259rsiz onun kart\u0131n\u0131n \u015f\u0259klini \u00e7\u0259kib…<\/strong><\/p>\n M\u00fct\u0259x\u0259ssis deyir ki, \u0259m\u0259liyyat zaman\u0131 kodun g\u0259lib-g\u0259lm\u0259m\u0259sini kart yox, sayt t\u0259yin edir:<\/p>\n \u201cAmazon\u201d, \u201cAliexpress\u201d kimi saytlar 3D kodu t\u0259l\u0259b etmir. Dem\u0259li, k\u0259nar \u015f\u0259xs v\u0259t\u0259nda\u015fdan x\u0259b\u0259rsiz onun kart\u0131n\u0131n \u015f\u0259klini \u00e7\u0259kib bel\u0259 saytlarda \u0259m\u0259liyyat ed\u0259 bil\u0259r. Beyn\u0259lxalq \u0259m\u0259liyyatlar\u0131 a\u00e7\u0131q olan ist\u0259nil\u0259n kartla bunu etm\u0259k m\u00fcmk\u00fcnd\u00fcr. Bank\u0131n m\u0259suliyy\u0259ti limit qoymas\u0131ndad\u0131r. Limiti qoyur ki, y\u00fcks\u0259k miqdarda n\u0259s\u0259 ala bilm\u0259y\u0259s\u0259n. M\u0259s\u0259l\u0259n, g\u00fcnd\u0259 maksimum 5 min dollardan yuxar\u0131 v\u0259 ya 5 d\u0259f\u0259d\u0259n \u00e7ox \u0259m\u0259liyyat etm\u0259k olmaz\u201d.<\/p>\n Kart\u0131n\u0131zda \u00e7ox pul varsa, onu bloklay\u0131n<\/strong><\/p>\n E.Mahmudov deyir ki, banklar\u0131n proqramlar\u0131nda limiti v\u0259t\u0259nda\u015f \u00f6z\u00fc d\u0259 d\u0259yi\u015f\u0259 bil\u0259r:<\/p>\n \u201cYax\u015f\u0131 olar ki, kart\u0131 alandan sonra bank\u0131n t\u0259tbiqini y\u00fckl\u0259yib, internet v\u0259 bildiri\u015fl\u0259ri a\u00e7\u0131q qoysunlar. Bu zaman karta m\u00fcdaxil\u0259 olduqda proqram vasit\u0259sil\u0259 bloklaya bil\u0259c\u0259kl\u0259r. Kart\u0131n\u0131zda \u00e7ox pul varsa, onu bloklay\u0131n. Laz\u0131m olduqda a\u00e7\u0131b istifad\u0259 edin, sonra yenid\u0259n ba\u011flay\u0131n. M\u0259s\u0259l\u0259n, d\u0259l\u0259duz karta daxil oldu, amma limitl\u0259r 0, kart blokda olduqda \u0259m\u0259liyyat ets\u0259 bel\u0259, imtina il\u0259 ba\u011fl\u0131 mesaj g\u0259l\u0259c\u0259k. O zaman bil\u0259c\u0259ksiniz ki, kims\u0259 karta m\u00fcdaxil\u0259 edir\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":" Son zamanlar kart d\u0259l\u0259duzlar\u0131n\u0131n artd\u0131\u011f\u0131n\u0131n \u015fahidi oluruq. \u00d6z\u00fc d\u0259 bu sah\u0259d\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259nl\u0259r zaman ke\u00e7dikc\u0259 \u201ctexnoloji qabiliyy\u0259tl\u0259ri\u201dni s\u00fcr\u0259tl\u0259 inki\u015faf etdirirl\u0259r. M\u0259s\u0259l\u0259n, b\u0259z\u0259n olur ki, insanlar pul k\u00f6\u00e7\u00fcrm\u0259k laz\u0131m olduqda i\u00e7ind\u0259 v\u0259sait olmayan kartlar\u0131n\u0131 g\u00f6nd\u0259rirl\u0259r. D\u00fc\u015f\u00fcn\u00fcrl\u0259r ki, bo\u015f olan kartlar\u0131n\u0131n g\u00f6nd\u0259rilm\u0259si onlara he\u00e7 bir problem yaratmaz. Lakin d\u0259l\u0259duzlar bu bo\u015f kart vasit\u0259sil\u0259 insanlar\u0131n pul olan hesablar\u0131na \u00e7\u0131x\u0131\u015f imkan\u0131 \u0259ld\u0259 edirl\u0259r. B\u0259s, g\u00f6r\u0259s\u0259n, bir kart vasit\u0259sil\u0259 dig\u0259r karta nec\u0259 daxil olmaq olur? D\u0259l\u0259duzlar banklar\u0131n mobil t\u0259tbiql\u0259rini o\u011furlay\u0131rlar \u0130T m\u00fct\u0259x\u0259ssisi F\u0259rid P\u0259rd\u0259\u015f\u00fcnas\u00a0\u201cKaspi\u201d\u00a0q\u0259z\u0259tin\u0259\u00a0a\u00e7\u0131qlamas\u0131nda bildirdi ki, d\u0259l\u0259duzlar kartlara bank\u0131n mobil t\u0259tbiqi vasit\u0259sil\u0259 daxil ola bilirl\u0259r:…<\/p>\n","protected":false},"author":2,"featured_media":512129,"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":[1],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/09\/RPtLXvyf5eqN829D3wFa2Rx7SBgTwIAsU26lVgEj.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/09\/RPtLXvyf5eqN829D3wFa2Rx7SBgTwIAsU26lVgEj.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/09\/RPtLXvyf5eqN829D3wFa2Rx7SBgTwIAsU26lVgEj.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/09\/RPtLXvyf5eqN829D3wFa2Rx7SBgTwIAsU26lVgEj-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/09\/RPtLXvyf5eqN829D3wFa2Rx7SBgTwIAsU26lVgEj-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/09\/RPtLXvyf5eqN829D3wFa2Rx7SBgTwIAsU26lVgEj.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/09\/RPtLXvyf5eqN829D3wFa2Rx7SBgTwIAsU26lVgEj.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/09\/RPtLXvyf5eqN829D3wFa2Rx7SBgTwIAsU26lVgEj.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/09\/RPtLXvyf5eqN829D3wFa2Rx7SBgTwIAsU26lVgEj-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/09\/RPtLXvyf5eqN829D3wFa2Rx7SBgTwIAsU26lVgEj.jpg",620,413,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"Son zamanlar kart d\u0259l\u0259duzlar\u0131n\u0131n artd\u0131\u011f\u0131n\u0131n \u015fahidi oluruq. \u00d6z\u00fc d\u0259 bu sah\u0259d\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259nl\u0259r zaman ke\u00e7dikc\u0259 \u201ctexnoloji qabiliyy\u0259tl\u0259ri\u201dni s\u00fcr\u0259tl\u0259 inki\u015faf etdirirl\u0259r. M\u0259s\u0259l\u0259n, b\u0259z\u0259n olur ki, insanlar pul k\u00f6\u00e7\u00fcrm\u0259k laz\u0131m olduqda i\u00e7ind\u0259 v\u0259sait olmayan kartlar\u0131n\u0131 g\u00f6nd\u0259rirl\u0259r. D\u00fc\u015f\u00fcn\u00fcrl\u0259r ki, bo\u015f olan kartlar\u0131n\u0131n g\u00f6nd\u0259rilm\u0259si onlara he\u00e7 bir problem yaratmaz. Lakin d\u0259l\u0259duzlar bu bo\u015f kart vasit\u0259sil\u0259 insanlar\u0131n pul olan hesablar\u0131na…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/512128"}],"collection":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=512128"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/512128\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/512129"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=512128"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=512128"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=512128"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}<\/p>\n
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