![\"\"](\"https:\/\/ikisahil.az\/upload\/\/2025\/01\/16\/\/-be6ad6f9173701485027993781610182798.jpg\")
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\u0130qtisad\u00e7\u0131 Xalid K\u0259rimli m\u00f6vzu il\u0259 ba\u011fl\u0131 \u201c\u0130ki sahil\u201d\u0259<\/strong><\/em>\u00a0a\u00e7\u0131qlamas\u0131nda diqq\u0259t\u0259 \u00e7atd\u0131rd\u0131 ki, bank kartlar\u0131ndan o\u011furluq hallar\u0131n\u0131n artmas\u0131n\u0131n \u0259sas s\u0259b\u0259bi \u0259vv\u0259lki d\u00f6vrl\u0259 m\u00fcqayis\u0259d\u0259 haz\u0131rda daha \u00e7ox insan\u0131n pulunu bank kart\u0131nda saxlamas\u0131 il\u0259 ba\u011fl\u0131d\u0131r. Eyni zamanda, na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259rin say\u0131nda art\u0131m olmas\u0131 da kartlardan edil\u0259n qar\u0259tl\u0259rin say\u0131n\u0131n artmas\u0131na s\u0259b\u0259b olur: \u201cHaz\u0131rda qocadan cavana q\u0259d\u0259r h\u0259r k\u0259s pulu\u00a0 bank kartlar\u0131nda saxlama\u011fa, na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259r etm\u0259y\u0259 meyil edir. Bununla da o\u011furlu\u011fun formas\u0131 d\u0259yi\u015fir, d\u0259l\u0259duzlu\u011fun miqyas\u0131, co\u011frafiyas\u0131 da geni\u015fl\u0259nir. \u018fvv\u0259ll\u0259r o\u011furluq m\u0259qs\u0259dil\u0259 evl\u0259r\u0259 girirdil\u0259rs\u0259, indi insanlar\u0131n bank m\u0259lumatlar\u0131na daxil olub oradan pul o\u011furlay\u0131rlar. \u00d6nc\u0259d\u0259n o\u011furluq lokal olurdusa, indi is\u0259 Hindistanda bel\u0259 sizin kart m\u0259lumatlar\u0131n\u0131z\u0131 \u0259ld\u0259 edib, hesab\u0131n\u0131zdan pul o\u011furlaya bilirl\u0259r\u201d.<\/p>\n M\u00fct\u0259x\u0259ssisin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, bank kartlar\u0131ndan o\u011furluq hallar\u0131n\u0131n ba\u015f verm\u0259sinin \u0259sas s\u0259b\u0259bkar\u0131 kart sahibl\u0259ridir. Burada banklar\u0131n he\u00e7 bir g\u00fcnah\u0131 yoxdur. Kart hesablar\u0131ndan pul m\u0259nims\u0259nilm\u0259si hallar\u0131nda \u00e7ox vaxt v\u0259t\u0259nda\u015f ovsunlanaraq m\u0259xfi m\u0259lumat\u0131 qar\u015f\u0131 t\u0259r\u0259f\u0259 \u00f6t\u00fcr\u00fcr. Kart sahibi kart\u0131n \u00fcz\u0259rind\u0259ki kodu dig\u0259r \u015f\u0259xsl\u0259 payla\u015f\u0131rsa bu halda bank n\u0259 ed\u0259 bil\u0259r ki?..<\/p>\n Ekspert diqq\u0259t\u0259 \u00e7atd\u0131rd\u0131 ki, v\u0259t\u0259nda\u015flar diqq\u0259tsizlik v\u0259 ehtiyats\u0131zl\u0131q edirl\u0259r, kiberd\u0259l\u0259duzlar\u0131n toruna d\u00fc\u015f\u0259r\u0259k kartla ba\u011fl\u0131 gizli m\u0259lumatlar\u0131 payla\u015f\u0131rlar. N\u0259tic\u0259d\u0259 d\u0259 aldanm\u0131\u015f olurlar. T\u0259bii ki, h\u0259r k\u0259s bank kartlar\u0131ndan istifad\u0259 zaman\u0131 diqq\u0259tli\u00a0 v\u0259 ehtiyatl\u0131 olmal\u0131d\u0131r. Onlayn \u00f6d\u0259m\u0259l\u0259r \u00fc\u00e7\u00fcn ayr\u0131ca kart almal\u0131 v\u0259 onun balans\u0131n\u0131 m\u0259hdud saxlamal\u0131d\u0131r.<\/p>\n Hans\u0131 ya\u015f qruplar\u0131 kibertalamaya m\u0259ruz qal\u0131r?<\/strong><\/em><\/p>\n Ara\u015fd\u0131rmalar g\u00f6st\u0259rir ki, h\u0259r ya\u015f qrupu \u00fczr\u0259 m\u00fc\u015ft\u0259ril\u0259r bank kart\u0131 d\u0259l\u0259duzlu\u011funa m\u0259ruz qala bil\u0259r. Amma praktikaya \u0259sas\u0259n, b\u0259zi ya\u015f qruplar\u0131 dig\u0259rl\u0259rind\u0259n daha \u00e7ox risk alt\u0131ndad\u0131r. Ya\u015fl\u0131 insanlar daha \u00e7ox sosial m\u00fch\u0259ndislik h\u00fccumlar\u0131na v\u0259 texnoloji t\u0259cr\u00fcb\u0259sizlikl\u0259rin\u0259 g\u00f6r\u0259 h\u0259d\u0259f ola bilirl\u0259r. G\u0259ncl\u0259r v\u0259 orta ya\u015fl\u0131 insanlar is\u0259 daha \u00e7ox onlayn \u00f6d\u0259ni\u015fl\u0259r v\u0259 sosial \u015f\u0259b\u0259k\u0259l\u0259r vasit\u0259sil\u0259 h\u0259d\u0259f\u0259 al\u0131n\u0131rlar.<\/p>\n Bank kartlar\u0131ndan o\u011furlu\u011fun \u0259n \u00e7ox yay\u0131lm\u0131\u015f \u00fcsullar\u0131 hans\u0131lard\u0131r?\u00a0<\/strong><\/em><\/p>\n Kart m\u0259lumatlar\u0131n\u0131n \u0259l\u0259 ke\u00e7irilm\u0259si (fi\u015fing): Bu \u00fcsulda cinay\u0259tkarlar istifad\u0259\u00e7il\u0259ri saxta e-po\u00e7tlar, mesajlar v\u0259 ya veb-saytlar vasit\u0259sil\u0259 aldad\u0131rlar. Bu mesajlarda istifad\u0259\u00e7id\u0259n \u015f\u0259xsi m\u0259lumatlar\u0131 (kart n\u00f6mr\u0259si, CVV kodu, \u015fifr\u0259) ist\u0259nilir v\u0259 sonra bu m\u0259lumatlar o\u011furlan\u0131r.<\/p>\n Kart\u0131n klonlanmas\u0131: Bu \u00fcsulda cinay\u0259tkarlar bank kart\u0131n\u0131n maqnit zola\u011f\u0131n\u0131 v\u0259 ya \u00e7ipini oxuyub, bu m\u0259lumatlar\u0131 ba\u015fqa bir kart \u00fcz\u0259rin\u0259 kopyalay\u0131rlar. Klonlanan kart daha sonra orijinal kart\u0131n sahibinin ad\u0131na b\u0259nz\u0259r \u0259m\u0259liyyatlar h\u0259yata ke\u00e7irm\u0259k \u00fc\u00e7\u00fcn istifad\u0259 edil\u0259 bil\u0259r.<\/p>\n \u201cSkimmer\u201d cihazlar\u0131: Bankomatlarda v\u0259 dig\u0259r \u00f6d\u0259ni\u015f terminallar\u0131nda \u201cskimmer\u201d adlanan cihazlar yerl\u0259\u015fdiril\u0259r\u0259k kart m\u0259lumatlar\u0131 o\u011furlan\u0131r. Bu cihaz kart\u0131 oxuyub, h\u0259m\u00e7inin PIN kodunu qeyd edir.<\/p>\n Sosial m\u00fch\u0259ndislik: B\u0259zi cinay\u0259tkarlar insanlar\u0131 telefonla v\u0259 ya dig\u0259r yollarla aldatmaqla onlar\u0131n bank kart\u0131 m\u0259lumatlar\u0131n\u0131 \u0259ld\u0259 ed\u0259 bilirl\u0259r. M\u0259s\u0259l\u0259n, onlar \u00f6zl\u0259rini bank \u0259m\u0259kda\u015f\u0131 kimi t\u0259qdim edib istifad\u0259\u00e7id\u0259n m\u0259lumatlar\u0131 ist\u0259yirl\u0259r.<\/p>\n Wi-Fi \u015f\u0259b\u0259k\u0259si \u00fcz\u0259rind\u0259n o\u011furluq (Man-in-the-Middle attack): Cinay\u0259tkarlar a\u00e7\u0131q Wi-Fi \u015f\u0259b\u0259k\u0259l\u0259rind\u0259, istifad\u0259\u00e7il\u0259rin bank m\u0259lumatlar\u0131n\u0131 \u0259l\u0259 ke\u00e7ir\u0259 bil\u0259rl\u0259r. Bu \u00fcsulda hakerl\u0259r \u015f\u0259b\u0259k\u0259 \u00fcz\u0259rind\u0259ki m\u0259lumatlar\u0131 izl\u0259y\u0259r\u0259k istifad\u0259\u00e7inin kart m\u0259lumatlar\u0131n\u0131 toplaya bil\u0259rl\u0259r.<\/p>\n Kart m\u0259lumatlar\u0131n\u0131n t\u0259hl\u00fck\u0259sizliyini qorumaq \u00fc\u00e7\u00fcn n\u0259 etm\u0259li?<\/strong><\/em><\/p>\n \u00c7a\u011f\u0131r\u0131\u015f: Bank kartlar\u0131 il\u0259 \u0259laq\u0259li z\u0259ngl\u0259r, mesajlar bloklanmal\u0131d\u0131r<\/strong><\/em><\/p>\n Daxili \u0130\u015fl\u0259r Nazirliyi bir m\u00fcdd\u0259tdir v\u0259t\u0259nda\u015flara m\u00fcraci\u0259t ed\u0259r\u0259k kart m\u0259lumatlar\u0131n\u0131 he\u00e7 kim il\u0259 b\u00f6l\u00fc\u015fm\u0259m\u0259kl\u0259 ba\u011fl\u0131 \u00e7a\u011f\u0131r\u0131\u015flar edir. \u00c7a\u011f\u0131r\u0131\u015flarda deyilir ki, kart\u0131n \u00fcz\u0259rind\u0259ki CVV\/CVC kodu, SMS vasit\u0259sil\u0259 g\u00f6nd\u0259ril\u0259n OTP kodu, dig\u0259r siz\u0259 m\u0259xsus sisteml\u0259r\u0259 giri\u015f \u00fc\u00e7\u00fcn laz\u0131m olan loqin v\u0259 \u015fifr\u0259l\u0259r, kart\u0131n P\u0130N kodu m\u0259xfi m\u0259lumatlard\u0131r. Bu m\u0259lumatlar\u0131 nam\u0259lum \u015f\u0259xsl\u0259r\u0259 verdiyiniz halda hesab\u0131n\u0131zda olan pullar, yaxud pul yoxdursa, kredit formas\u0131nda siz\u0259 z\u0259r\u0259r vuracaqlar.<\/p>\n “Bir daha v\u0259t\u0259nda\u015flara \u015f\u00fcbh\u0259li z\u0259ngl\u0259rd\u0259n g\u0259l\u0259n c\u0259lbedici qazanc, s\u0131\u011forta, bank hesablar\u0131n\u0131n m\u00f6hk\u0259ml\u0259ndirilm\u0259si, m\u0259daxil \u00fczr\u0259 \u00f6d\u0259ni\u015fl\u0259rl\u0259 \u0259laq\u0259li t\u0259klifl\u0259r\u0259 diqq\u0259tl\u0259 yana\u015fma\u011f\u0131 t\u00f6vsiy\u0259 edirik. Q\u0259ti formada \u015f\u0259xsi bank m\u0259lumatlar\u0131n\u0131 nam\u0259lum \u015f\u0259xsl\u0259r\u0259 verm\u0259yin, t\u0259hl\u00fck\u0259 var”, – dey\u0259 m\u0259lumatda qeyd olunub.<\/p>\n Daxili \u0130\u015fl\u0259r Nazirliyinin M\u0259tbuat xidm\u0259tinin r\u0259isi, polis polkovnik-leytenant\u0131 El\u015fad Hac\u0131yev sosial \u015f\u0259b\u0259k\u0259 hesab\u0131nda bildirib ki, kibert\u0259hl\u00fck\u0259sizlik – informasiya t\u0259hl\u00fck\u0259sizliyidir. H\u0259r k\u0259s t\u0259hl\u00fck\u0259sizliyi \u00fc\u00e7\u00fcn f\u0259rdi m\u0259lumatlar\u0131n\u0131 qorumal\u0131d\u0131r. \u00c7\u00fcnki kimd\u0259 smartfon varsa internet\u0259 \u00e7\u0131x\u0131\u015f\u0131 var.<\/p>\n Qurum r\u0259smisi qeyd edib ki, internet\u0259 \u00e7\u0131x\u0131\u015f\u0131 olan h\u0259r bir \u015f\u0259xs cinay\u0259tkarlar\u0131n t\u0259l\u0259sin\u0259 d\u00fc\u015f\u0259 bil\u0259r: \u201cRisk qa\u00e7\u0131lmazd\u0131r. C\u0259lbedici olan, bank kartlar\u0131n\u0131zda olan pul v\u0259saitl\u0259ridir. Bank kartlar\u0131 il\u0259 \u0259laq\u0259li b\u00fct\u00fcn z\u0259ngl\u0259r, mesajlar bloklanmal\u0131d\u0131r. \u018fks halda aldad\u0131b pulunuzu o\u011furlayacaqlar\u201d.<\/p>\n Unutmay\u0131n ki, he\u00e7 bir bank m\u00fc\u015ft\u0259risind\u0259n telefon vasit\u0259sil\u0259 \u015fifr\u0259, t\u0259sdiql\u0259m\u0259 kodu kimi m\u0259lumatlar\u0131n t\u0259qdim edilm\u0259sini t\u0259l\u0259b etmir. Bu m\u0259lumatlar m\u0259xfi saxlan\u0131lmal\u0131 v\u0259 he\u00e7 bir halda dig\u0259r \u015f\u0259xsl\u0259rl\u0259 payla\u015f\u0131lmamal\u0131d\u0131r.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":" Bank kart\u0131na pul g\u0259l\u0259n kimi onu na\u011fdla\u015fd\u0131ranlar \u0259vv\u0259ll\u0259r daha \u00e7ox idi. \u00c7\u00fcnki bank kartlar\u0131na inam h\u0259l\u0259 formala\u015fmam\u0131\u015fd\u0131. Ancaq zamanla t\u0259bli\u011f edildi ki, pulumuz el\u0259 kartda qalsa, daha yax\u015f\u0131d\u0131r. Bu zaman h\u0259min v\u0259sait o\u011furluq, t\u0259bii f\u0259lak\u0259t v\u0259 s. kimi riskl\u0259rd\u0259n s\u0131\u011fortalanm\u0131\u015f olur. Y\u0259ni, zamanla inam artd\u0131 v\u0259 insanlar pullar\u0131n\u0131n kartda daha g\u00fcv\u0259nli olmas\u0131 q\u0259na\u0259tin\u0259 g\u0259ldil\u0259r. Ancaq indi kartlardan pul o\u011furlanmas\u0131 hallar\u0131 da ba\u015f verir. D\u00fcnyan\u0131n apar\u0131c\u0131 \u00f6lk\u0259l\u0259rind\u0259 kibercinay\u0259tkarl\u0131\u011f\u0131n bu n\u00f6v\u00fc il\u0259 ciddi m\u00fcbariz\u0259 apar\u0131l\u0131r. Onlayn f\u0131r\u0131ldaq\u00e7\u0131l\u0131q olan bank kartlar\u0131ndan pullar\u0131n o\u011furlanmas\u0131na son ill\u0259rd\u0259 \u00f6lk\u0259mizd\u0259 d\u0259 m\u00fc\u015fahid\u0259 edilm\u0259y\u0259 ba\u015flay\u0131b. Bu istiqam\u0259td\u0259 h\u0259yata…<\/p>\n","protected":false},"author":2,"featured_media":800361,"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\/04\/59de0175174472611026982765511004471.jpg",975,540,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/59de0175174472611026982765511004471.jpg",975,540,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/59de0175174472611026982765511004471.jpg",975,540,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/59de0175174472611026982765511004471-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/59de0175174472611026982765511004471-660x365.jpg",660,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/59de0175174472611026982765511004471-840x465.jpg",640,354,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/59de0175174472611026982765511004471.jpg",975,540,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/59de0175174472611026982765511004471.jpg",975,540,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/59de0175174472611026982765511004471-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/04\/59de0175174472611026982765511004471.jpg",975,540,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":"Bank kart\u0131na pul g\u0259l\u0259n kimi onu na\u011fdla\u015fd\u0131ranlar \u0259vv\u0259ll\u0259r daha \u00e7ox idi. \u00c7\u00fcnki bank kartlar\u0131na inam h\u0259l\u0259 formala\u015fmam\u0131\u015fd\u0131. Ancaq zamanla t\u0259bli\u011f edildi ki, pulumuz el\u0259 kartda qalsa, daha yax\u015f\u0131d\u0131r. Bu zaman h\u0259min v\u0259sait o\u011furluq, t\u0259bii f\u0259lak\u0259t v\u0259 s. kimi riskl\u0259rd\u0259n s\u0131\u011fortalanm\u0131\u015f olur. Y\u0259ni, zamanla inam artd\u0131 v\u0259 insanlar pullar\u0131n\u0131n kartda daha g\u00fcv\u0259nli olmas\u0131 q\u0259na\u0259tin\u0259 g\u0259ldil\u0259r. Ancaq…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/800360"}],"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=800360"}],"version-history":[{"count":2,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/800360\/revisions"}],"predecessor-version":[{"id":800363,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/800360\/revisions\/800363"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/800361"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=800360"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=800360"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=800360"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}