{"id":782711,"date":"2025-01-22T11:10:25","date_gmt":"2025-01-22T07:10:25","guid":{"rendered":"https:\/\/arantv.az\/?p=782711"},"modified":"2025-01-22T11:10:25","modified_gmt":"2025-01-22T07:10:25","slug":"kartdan-pul-ogurlugu-gunahkar-kimdir","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=782711","title":{"rendered":"Kartdan pul o\u011furlu\u011fu – g\u00fcnahkar kimdir?"},"content":{"rendered":"

B\u0259zi banklarda qoruma sisteml\u0259rinin z\u0259if oldu\u011fu deyilir\u00a0<\/strong><\/p>\n

Milli Q\u0259hr\u0259man H\u00f6k\u00fcm\u0259 \u018fliyevan\u0131n ail\u0259sinin kiberd\u0259l\u0259duzluq hal\u0131 il\u0259 \u00fczl\u0259\u015fm\u0259si v\u0259 Daxili \u0130\u015fl\u0259r Nazirliyinin Kibercinay\u0259tkarl\u0131qla M\u00fcbariz\u0259 Ba\u015f \u0130dar\u0259sinin h\u0259min \u015f\u0259xsi\u00a0 m\u00fc\u0259yy\u0259n ed\u0259r\u0259k o\u011furlanan pullar geri qaytarmas\u0131 c\u0259miyy\u0259tin diqq\u0259tini yenid\u0259n kartlardan pul o\u011furlanmas\u0131na y\u00f6n\u0259ltdi.<\/p>\n

Bel\u0259 ki, H\u00f6k\u00fcm\u0259 \u018fliyevan\u0131n v\u0259fat\u0131na g\u00f6r\u0259 ail\u0259sin\u0259 \u00f6d\u0259nil\u0259n s\u0131\u011forta v\u0259 kompensasiya m\u0259bl\u0259\u011find\u0259n qalan 80 507 AZN v\u0259sait o\u011furlann\u0131\u015fd\u0131. Faktla ba\u011fl\u0131 Daxili \u0130\u015fl\u0259r Nazirliyinin Kibercinay\u0259tkarl\u0131qla M\u00fcbariz\u0259 Ba\u015f \u0130dar\u0259si v\u0259 KapitalBank t\u0259r\u0259find\u0259n d\u0259rhal ara\u015fd\u0131rma ba\u015flan\u0131ld\u0131. V\u0259saitin k\u00f6\u00e7\u00fcr\u00fcld\u00fcy\u00fc hesab d\u0259rhal blokland\u0131 v\u0259 o\u011furlanan m\u0259bl\u0259\u011fin istifad\u0259sin\u0259 icaz\u0259 verilm\u0259di. G\u00f6r\u00fcl\u0259n t\u0259dbirl\u0259r n\u0259tic\u0259sind\u0259 m\u0259bl\u0259\u011fin b\u0259rpas\u0131 m\u00fcmk\u00fcn oldu v\u0259 v\u0259sait geri qaytar\u0131ld\u0131.<\/p>\n

Qeyd ed\u0259k ki, ba\u015f ver\u0259n hadis\u0259d\u0259 m\u00fc\u015ft\u0259ri H\u00f6k\u00fcm\u0259nin atas\u0131 C\u0259lil \u018fliyev bank t\u0259r\u0259find\u0259n g\u00f6nd\u0259ril\u0259n OTP, 3D t\u0259hl\u00fck\u0259sizlik kodu da daxil olmaqla, b\u00fct\u00fcn \u015f\u0259xsi m\u0259lumatlar\u0131n\u0131 d\u0259l\u0259duzlarla b\u00f6l\u00fc\u015f\u00fcb. Bu s\u0259b\u0259bd\u0259n d\u0259 d\u0259l\u0259duzlar asanl\u0131qla v\u0259saiti o\u011furlaya bilibl\u0259r. Sosial \u015f\u0259b\u0259k\u0259l\u0259rd\u0259ki\u00a0 m\u00fczakir\u0259l\u0259rd\u0259 banklar\u0131n da bu i\u015fd\u0259 m\u0259suliyy\u0259ti oldu\u011fu haqda \u00e7oxsayl\u0131 iddialar s\u0259sl\u0259nib. Bildirilib ki, hans\u0131sa bir d\u0259l\u0259duza kod verilm\u0259diyi halda da b\u0259zi banklar\u0131n kartlar\u0131ndan pullar yoxa \u00e7\u0131x\u0131r. \u015eikay\u0259t etdikd\u0259 is\u0259 banklar m\u0259suliyy\u0259ti \u00fcz\u0259rind\u0259n at\u0131rlar. H\u0259tta b\u0259zi banklarda qoruma sisteml\u0259rinin z\u0259if oldu\u011fu deyilir.<\/p>\n

\"F\u0259rhad<\/p>\n

F\u0259rhad Mir\u0259liyev\u00a0<\/strong><\/p>\n

\u0130nformasiya texnologiyalar\u0131 \u00fczr\u0259 ekspert F\u0259rhad Mir\u0259liyev deyir ki, \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xsl\u0259r\u0259 kart\u0131n\u00a0 \u00fcz\u0259rind\u0259ki 16 n\u00f6mr\u0259li kod, onun istifad\u0259 m\u00fcdd\u0259ti v\u0259 ya CV kod t\u0259qdim edilm\u0259m\u0259lidir:<\/strong>\u00a0\u201cM\u0259ntiqi n\u0259tic\u0259 odur ki, z\u0259r\u0259r\u00e7\u0259kmi\u015f\u0259 fishing h\u00fccumu olub, yaxud da kims\u0259 bank \u0259m\u0259kda\u015f\u0131 ad\u0131ndan z\u0259ng edib sui-istifad\u0259 edib. Hans\u0131sa bir yolla v\u0259t\u0259nda\u015fdan o kodlar al\u0131n\u0131b. KapitalBank\u0131n m\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 a\u00e7\u0131qlamas\u0131nda da deyilirdi ki, bu m\u0259lumatlar payla\u015f\u0131lmamal\u0131d\u0131r. Lakin el\u0259 z\u0259r\u0259r\u00e7\u0259kmi\u015f d\u0259 var ki, deyir, kiber qaydalara \u0259m\u0259l ets\u0259 d\u0259, yen\u0259 d\u0259 talan\u0131r. V\u0259t\u0259nda\u015flar bildirirdi ki, gec\u0259 v\u0259saitl\u0259ri kartdan \u00e7\u0131xar\u0131l\u0131b. Onlar\u0131n aras\u0131nda el\u0259 bir hesab var idi ki, \u0259man\u0259t idi v\u0259 onun kart\u0131 bel\u0259 yox idi ki, m\u0259lumatlar oradan \u00f6yr\u0259nilsin. T\u0259tbiqin i\u00e7\u0259risind\u0259 istifad\u0259\u00e7id\u0259n x\u0259b\u0259rsiz \u0259m\u0259liyyatlar olunmu\u015fdu. Biz ona dedik ki, s\u0259n y\u0259qin kart\u0131n m\u0259lumat\u0131n\u0131 payla\u015fm\u0131san, cavab verdi ki, h\u0259min hesab\u0131n kart\u0131 yoxdur, onu nec\u0259 payla\u015fa bil\u0259r. H\u0259min z\u0259r\u0259r\u00e7\u0259kmi\u015fl\u0259rl\u0259 ba\u011fl\u0131 t\u0259\u015f\u0259bb\u00fcs qrupu il\u0259 i\u015fl\u0259mi\u015f\u0259m v\u0259 m\u00fc\u015fahid\u0259 etmi\u015f\u0259m ki, v\u0259saitl\u0259rinin o\u011furlanmas\u0131 zaman\u0131 v\u0259t\u0259nda\u015f birba\u015fa qayda pozuntusuna, x\u0259tal\u0131 istifad\u0259y\u0259 yol verm\u0259yib. N\u00f6vb\u0259ti ara\u015fd\u0131rma is\u0259 Elektron T\u0259hl\u00fck\u0259sizlik Xidm\u0259ti t\u0259r\u0259find\u0259n apar\u0131l\u0131r. V\u0259t\u0259nda\u015flar f\u0259rdi qaydada ora m\u00fcraci\u0259t etmi\u015fdi. Onlar\u0131n ham\u0131s\u0131 KapitalBank\u0131n “Birbank” kart\u0131ndan istifad\u0259 edirdi. V\u0259t\u0259nda\u015flar ETX-d\u0259n \u015fablon cavab ald\u0131lar ki, bu m\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 polis\u0259 m\u00fcraci\u0259t etm\u0259lidirl\u0259r. Bu m\u0259s\u0259l\u0259l\u0259r a\u00e7\u0131q qal\u0131r, ara\u015fd\u0131rmalar, istintaqlar sona q\u0259d\u0259r apar\u0131lm\u0131r. Bunun s\u0259b\u0259bini bilmir\u0259m.\u00a0 Ola bil\u0259r ki, h\u00fcquq-m\u00fchafiz\u0259 orqanlar\u0131n\u0131n bu sah\u0259d\u0259 kifay\u0259t q\u0259d\u0259r ixtisasl\u0131 kadrlar\u0131 yoxdur. Yaxud da bank m\u00fc\u015ft\u0259ril\u0259rin m\u00fcraci\u0259tl\u0259rin\u0259 s\u0259hl\u0259nkar yana\u015fa bil\u0259r”.<\/p>\n

Ekspert banklar\u0131n ke\u00e7mi\u015f \u0259m\u0259kda\u015flar\u0131n\u0131n m\u00fc\u015ft\u0259ri m\u0259lumatlar\u0131n\u0131 kiberd\u0259l\u0259duzlara\u00a0 \u00f6t\u00fcrm\u0259si il\u0259 ba\u011fl\u0131 iddiaya da m\u00fcnasib\u0259t bildirib: \u201cBu m\u0259s\u0259l\u0259l\u0259r bank\u0131n daxili t\u0259limatlar\u0131 il\u0259 t\u0259nziml\u0259nir. Bank\u0131n hans\u0131 siyas\u0259t v\u0259 t\u0259limatlarla i\u015fl\u0259m\u0259sini M\u0259rk\u0259zi Bank t\u0259yin edir. M\u00fct\u0259madi olaraq yoxlamalar ke\u00e7irilir ki, qaydalara \u0259m\u0259l edilib-edilm\u0259diyi bilinsin. Ola bilsin ki, hans\u0131sa bir strukturda, \u015f\u00f6b\u0259d\u0259, sistemd\u0259 bo\u015fluqlar m\u00f6vcud olsun ki, onlardan sui-istifad\u0259 olunsun. Praktiki olaraq bel\u0259 bir \u015fey m\u00fcmk\u00fcnd\u00fcr\u201d.<\/p>\n

\"\u0130nternetin<\/p>\n

Mehman X\u0259lilov\u00a0<\/strong><\/p>\n

\u0130nformasiya texnologiyalar\u0131 sah\u0259sind\u0259 ekspert Mehman X\u0259lilov deyir ki, hans\u0131sa viruslu bir link\u0259 daxil olmaq h\u0259l\u0259 kodun kiberd\u0259l\u0259duzlara \u00f6t\u00fcr\u00fclm\u0259si deyil:<\/strong>\u00a0\u201c\u0130st\u0259nil\u0259n halda link\u0259 daxil olanda hans\u0131sa bir s\u0259hif\u0259y\u0259 ke\u00e7irsiniz. H\u0259min s\u0259hif\u0259d\u0259 bu v\u0259 ya dig\u0259r vasit\u0259l\u0259rl\u0259 f\u0131r\u0131ldaq\u00e7\u0131 kart sahibini aldad\u0131r. Bunu el\u0259 m\u0259har\u0259tl\u0259 h\u0259yata ke\u00e7irir ki, adamlar \u00f6z\u00fc d\u0259 bilm\u0259d\u0259n m\u0259lumatlar\u0131n\u0131 onlara \u00f6t\u00fcr\u00fcrl\u0259r. H\u0259tta telefonla da dan\u0131\u015f\u0131b v\u0259t\u0259nda\u015flardan m\u0259lumatlar\u0131 ala bilirl\u0259r. Buna sosial hakinq deyirl\u0259r.\u00a0 B\u0259z\u0259n \u00f6zl\u0259rini bank \u0259m\u0259kda\u015flar\u0131 kimi t\u0259qdim edirl\u0259r, deyirl\u0259r ki, t\u0259hl\u00fck\u0259sizlik m\u0259qs\u0259di il\u0259 n\u0259yis\u0259 yenil\u0259yirl\u0259r v\u0259 buna g\u00f6r\u0259 d\u0259 onlara 3 D Secure kodu laz\u0131md\u0131r. V\u0259t\u0259nda\u015f bilm\u0259d\u0259n h\u0259min kodu onlara deyir v\u0259 n\u0259tic\u0259d\u0259 d\u0259l\u0259duz h\u0259min koddan istifad\u0259 edir. Bununla da v\u0259t\u0259nda\u015f\u0131n kart\u0131n\u0131n n\u00f6mr\u0259sini \u00f6z “application”unda alm\u0131\u015f olur v\u0259 pullar\u0131 ist\u0259diyi hesaba y\u00f6n\u0259ldir. Bank \u0259m\u0259kda\u015flar\u0131n\u0131n d\u0259l\u0259duzlarla \u0259m\u0259kda\u015fl\u0131q etm\u0259si real deyil. Bank i\u015f\u00e7il\u0259rinin \u00f6zl\u0259ri d\u0259 m\u00fc\u015ft\u0259ri m\u0259lumatlar\u0131n\u0131 asanl\u0131qla \u0259ld\u0259 ed\u0259 bilmirl\u0259r. Kart m\u0259lumatlar\u0131, \u00fcmumiyy\u0259tl\u0259, he\u00e7 yerd\u0259 yoxdur.\u00a0 He\u00e7 bank\u0131n i\u015f\u00e7il\u0259ri d\u0259 onlar\u0131 bilmirl\u0259r”.<\/p>\n","protected":false},"excerpt":{"rendered":"

B\u0259zi banklarda qoruma sisteml\u0259rinin z\u0259if oldu\u011fu deyilir\u00a0 Milli Q\u0259hr\u0259man H\u00f6k\u00fcm\u0259 \u018fliyevan\u0131n ail\u0259sinin kiberd\u0259l\u0259duzluq hal\u0131 il\u0259 \u00fczl\u0259\u015fm\u0259si v\u0259 Daxili \u0130\u015fl\u0259r Nazirliyinin Kibercinay\u0259tkarl\u0131qla M\u00fcbariz\u0259 Ba\u015f \u0130dar\u0259sinin h\u0259min \u015f\u0259xsi\u00a0 m\u00fc\u0259yy\u0259n ed\u0259r\u0259k o\u011furlanan pullar geri qaytarmas\u0131 c\u0259miyy\u0259tin diqq\u0259tini yenid\u0259n kartlardan pul o\u011furlanmas\u0131na y\u00f6n\u0259ltdi. Bel\u0259 ki, H\u00f6k\u00fcm\u0259 \u018fliyevan\u0131n v\u0259fat\u0131na g\u00f6r\u0259 ail\u0259sin\u0259 \u00f6d\u0259nil\u0259n s\u0131\u011forta v\u0259 kompensasiya m\u0259bl\u0259\u011find\u0259n qalan 80 507 AZN v\u0259sait o\u011furlann\u0131\u015fd\u0131. Faktla ba\u011fl\u0131 Daxili \u0130\u015fl\u0259r Nazirliyinin Kibercinay\u0259tkarl\u0131qla M\u00fcbariz\u0259 Ba\u015f \u0130dar\u0259si v\u0259 KapitalBank t\u0259r\u0259find\u0259n d\u0259rhal ara\u015fd\u0131rma ba\u015flan\u0131ld\u0131. V\u0259saitin k\u00f6\u00e7\u00fcr\u00fcld\u00fcy\u00fc hesab d\u0259rhal blokland\u0131 v\u0259 o\u011furlanan m\u0259bl\u0259\u011fin istifad\u0259sin\u0259 icaz\u0259 verilm\u0259di. G\u00f6r\u00fcl\u0259n t\u0259dbirl\u0259r n\u0259tic\u0259sind\u0259 m\u0259bl\u0259\u011fin b\u0259rpas\u0131 m\u00fcmk\u00fcn oldu…<\/p>\n","protected":false},"author":2,"featured_media":782712,"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\/2025\/01\/51ece83633f59bd05ab289724bb08c42.jpg",870,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/51ece83633f59bd05ab289724bb08c42.jpg",870,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/51ece83633f59bd05ab289724bb08c42.jpg",870,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/51ece83633f59bd05ab289724bb08c42-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/51ece83633f59bd05ab289724bb08c42-635x365.jpg",635,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/51ece83633f59bd05ab289724bb08c42-840x483.jpg",640,368,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/51ece83633f59bd05ab289724bb08c42.jpg",870,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/51ece83633f59bd05ab289724bb08c42.jpg",870,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/51ece83633f59bd05ab289724bb08c42-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/51ece83633f59bd05ab289724bb08c42.jpg",870,500,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":"B\u0259zi banklarda qoruma sisteml\u0259rinin z\u0259if oldu\u011fu deyilir\u00a0 Milli Q\u0259hr\u0259man H\u00f6k\u00fcm\u0259 \u018fliyevan\u0131n ail\u0259sinin kiberd\u0259l\u0259duzluq hal\u0131 il\u0259 \u00fczl\u0259\u015fm\u0259si v\u0259 Daxili \u0130\u015fl\u0259r Nazirliyinin Kibercinay\u0259tkarl\u0131qla M\u00fcbariz\u0259 Ba\u015f \u0130dar\u0259sinin h\u0259min \u015f\u0259xsi\u00a0 m\u00fc\u0259yy\u0259n ed\u0259r\u0259k o\u011furlanan pullar geri qaytarmas\u0131 c\u0259miyy\u0259tin diqq\u0259tini yenid\u0259n kartlardan pul o\u011furlanmas\u0131na y\u00f6n\u0259ltdi. Bel\u0259 ki, H\u00f6k\u00fcm\u0259 \u018fliyevan\u0131n v\u0259fat\u0131na g\u00f6r\u0259 ail\u0259sin\u0259 \u00f6d\u0259nil\u0259n s\u0131\u011forta v\u0259 kompensasiya m\u0259bl\u0259\u011find\u0259n qalan 80 507 AZN…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/782711"}],"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=782711"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/782711\/revisions"}],"predecessor-version":[{"id":782713,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/782711\/revisions\/782713"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/782712"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=782711"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=782711"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=782711"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}