{"id":7212,"date":"2023-08-25T00:00:00","date_gmt":"2023-08-25T00:00:00","guid":{"rendered":"https:\/\/tech-lib.eu\/tech\/jak-se-vyhnout-skimmerum-kreditnich-karet-ochrana-vasich-financi\/"},"modified":"2023-08-25T00:00:00","modified_gmt":"2023-08-25T00:00:00","slug":"jak-se-vyhnout-skimmerum-kreditnich-karet-ochrana-vasich-financi","status":"publish","type":"post","link":"https:\/\/tech-lib.eu\/tech\/jak-se-vyhnout-skimmerum-kreditnich-karet-ochrana-vasich-financi\/","title":{"rendered":"Jak se vyhnout skimmer\u016fm kreditn\u00edch karet. Ochrana va\u0161ich financ\u00ed"},"content":{"rendered":"
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\u010cast\u00fdm a sofistikovan\u00fdm typem finan\u010dn\u00edch podvod\u016f je skimming kreditn\u00edch karet. Skimmery jsou n\u00e1stroje, kter\u00e9 zlod\u011bji pou\u017e\u00edvaj\u00ed ke kr\u00e1de\u017e\u00edm informac\u00ed o kreditn\u00edch kart\u00e1ch nev\u011bdom\u00fdch lid\u00ed u bankomat\u016f, benzinov\u00fdch \u010derpadel a dal\u0161\u00edch platebn\u00edch termin\u00e1l\u016f. S rozvojem technologi\u00ed je v\u00edce ne\u017e kdy jindy d\u016fle\u017eit\u00e9 b\u00fdt obez\u0159etn\u00fd a p\u0159ijmout preventivn\u00ed opat\u0159en\u00ed, abyste se nestali ob\u011bt\u00ed tohoto druhu trestn\u00e9 \u010dinnosti. V t\u00e9to eseji budeme hovo\u0159it o skimmerech kreditn\u00edch karet a budeme se zab\u00fdvat n\u011bkter\u00fdmi \u010dasto kladen\u00fdmi ot\u00e1zkami t\u00fdkaj\u00edc\u00edmi se t\u011bchto za\u0159\u00edzen\u00ed. Jak pozn\u00e1m, \u017ee byla moje kreditn\u00ed karta skimmov\u00e1na? Zjistit, zda byla va\u0161e karta skimmov\u00e1na, m\u016f\u017ee b\u00fdt obt\u00ed\u017en\u00e9, proto\u017ee skimmery jsou vyrobeny tak, aby je nebylo mo\u017en\u00e9 odhalit. Existuje v\u0161ak n\u011bkolik varovn\u00fdch sign\u00e1l\u016f, kter\u00e9 byste m\u011bli zn\u00e1t. Za\u010dn\u011bte t\u00edm, \u017ee si na platebn\u00edm termin\u00e1lu v\u0161imnete jak\u00fdchkoli uvoln\u011bn\u00fdch nebo pochybn\u011b vypadaj\u00edc\u00edch prvk\u016f. Jak\u00e9koli abnormality by m\u011bly vzbudit podez\u0159en\u00ed, proto\u017ee n\u00e1stavce skimmeru \u010dasto zakr\u00fdvaj\u00ed p\u016fvodn\u00ed \u010dte\u010dku karet. Zn\u00e1mkou toho, \u017ee va\u0161e karta byla skimmov\u00e1na, m\u016f\u017ee b\u00fdt tak\u00e9 to, \u017ee na v\u00fdpisu z karty vid\u00edte neo\u010dek\u00e1van\u00e9 nebo nez\u00e1konn\u00e9 transakce. <\/p>\n

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2. Je mo\u017en\u00e9 odposlechnout kreditn\u00ed kartu? <\/p>\n

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RFID (Radio Frequency Identification), co\u017e je jin\u00fd n\u00e1zev pro technologii bezkontaktn\u00edch plateb, je obvykle pova\u017eov\u00e1na za bezpe\u010dnou. Ke skimov\u00e1n\u00ed bezkontaktn\u00ed karty by bylo zapot\u0159eb\u00ed b\u00fdt v jej\u00ed t\u011bsn\u00e9 bl\u00edzkosti a m\u00edt k dispozici specializovan\u00e9 vybaven\u00ed, tak\u017ee je krajn\u011b nepravd\u011bpodobn\u00e9, \u017ee by zlo\u010dinec mohl va\u0161i kartu p\u0159ehm\u00e1tnout pouh\u00fdm dotykem. Je v\u0161ak nezbytn\u00e9 db\u00e1t zv\u00fd\u0161en\u00e9 opatrnosti a b\u011b\u017en\u011b sledovat transakce s kartou. 3. Jsou \u010dipov\u00e9 karty n\u00e1chyln\u00e9 ke skimmingu? Ve srovn\u00e1n\u00ed s b\u011b\u017en\u00fdmi kartami s magnetick\u00fdm prou\u017ekem jsou \u010dipov\u00e9 karty, n\u011bkdy ozna\u010dovan\u00e9 jako karty EMV (Europay, MasterCard a Visa), navr\u017eeny tak, aby poskytovaly vy\u0161\u0161\u00ed bezpe\u010dnost. Pro zlod\u011bje je n\u00e1ro\u010dn\u00e9 kartu zkop\u00edrovat, proto\u017ee \u010dip vytv\u00e1\u0159\u00ed pro ka\u017edou platbu jin\u00fd k\u00f3d transakce. A\u010dkoli je to technicky provediteln\u00e9, skimming \u010dipov\u00fdch karet je d\u00edky dodate\u010dn\u00fdm bezpe\u010dnostn\u00edm opat\u0159en\u00edm mnohem m\u00e9n\u011b \u010dast\u00fd. Je v\u0161ak nutn\u00e9 zachovat ostra\u017eitost a p\u0159ijmout dal\u0161\u00ed opat\u0159en\u00ed, abyste se nestali ob\u011bt\u00ed skimmingu. <\/p>\n

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4. Jak se skimming karet prov\u00e1d\u00ed? Existuje n\u011bkolik zp\u016fsob\u016f skimov\u00e1n\u00ed kreditn\u00edch karet, ale nejobl\u00edben\u011bj\u0161\u00ed jsou skimmovac\u00ed za\u0159\u00edzen\u00ed. Tato za\u0159\u00edzen\u00ed \u010dasto zakr\u00fdvaj\u00ed skute\u010dnou \u010dte\u010dku karet v bankomatech, na \u010derpac\u00edch stanic\u00edch nebo v platebn\u00edch termin\u00e1lech a po vlo\u017een\u00ed karty shroma\u017e\u010fuj\u00ed \u00fadaje z magnetick\u00e9ho prou\u017eku. Zlo\u010dinci mohou tak\u00e9 zaznamen\u00e1vat \u010d\u00edslice PIN pomoc\u00ed skryt\u00fdch kamer nebo p\u0159ekryt\u00ed kl\u00e1vesnice. P\u0159id\u00e1n\u00ed technologie Bluetooth k n\u011bkter\u00fdm skimmer\u016fm tak\u00e9 umo\u017enilo zlod\u011bj\u016fm na d\u00e1lku shroma\u017e\u010fovat ukraden\u00e9 \u00fadaje, ani\u017e by se museli skimmovac\u00edho za\u0159\u00edzen\u00ed fyzicky dotknout. <\/p>\n

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Zde je n\u011bkolik opat\u0159en\u00ed, kter\u00e1 m\u016f\u017eete p\u0159ijmout, abyste zabr\u00e1nili skimmov\u00e1n\u00ed kreditn\u00edch karet: Pou\u017e\u00edvejte d\u016fv\u011bryhodn\u00e9 a bezpe\u010dn\u00e9 bankomaty, nejl\u00e9pe ty, kter\u00e9 jsou um\u00edst\u011bny v bank\u00e1ch nebo na viditeln\u00fdch m\u00edstech. <\/p>\n

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– P\u0159ed pou\u017eit\u00edm \u010dte\u010dky karet si ji zkontrolujte. Zkontrolujte, zda se na n\u00ed nenach\u00e1zej\u00ed uvoln\u011bn\u00e9 \u010d\u00e1sti nebo zn\u00e1mky manipulace. Pokud se v\u00e1m zd\u00e1, \u017ee je n\u011bco v nepo\u0159\u00e1dku, stroj nepou\u017e\u00edvejte, ale upozorn\u011bte na to majitele nebo provozovatele. P\u0159i zad\u00e1v\u00e1n\u00ed k\u00f3du PIN zakryjte kl\u00e1vesnici rukou, aby skryt\u00e9 kamery nezaznamen\u00e1valy va\u0161e osobn\u00ed \u00fadaje. <\/p>\n

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– D\u016fsledn\u011b kontrolujte v\u00fdpisy z bankovn\u00edch \u00fa\u010dt\u016f a kreditn\u00edch karet, zda neobsahuj\u00ed neschv\u00e1len\u00e9 n\u00e1kupy. O jak\u00e9mkoli pochybn\u00e9m chov\u00e1n\u00ed okam\u017eit\u011b informujte banku nebo spole\u010dnost, kter\u00e1 vydala va\u0161i kreditn\u00ed kartu. <\/p>\n

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– Kdykoli je to mo\u017en\u00e9, p\u0159em\u00fd\u0161lejte o pou\u017e\u00edv\u00e1n\u00ed bezkontaktn\u00edch platebn\u00edch mo\u017enost\u00ed, jako jsou \u010dipov\u00e9 karty nebo mobiln\u00ed pen\u011b\u017eenky. <\/p>\n

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– Sledujte nejnov\u011bj\u0161\u00ed bezpe\u010dnostn\u00ed prvky a strategie prevence podvod\u016f sv\u00e9 bankovn\u00ed instituce. <\/p>\n

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P\u0159ijet\u00edm t\u011bchto opat\u0159en\u00ed a uv\u011bdom\u011bn\u00edm si potenci\u00e1ln\u00edch hrozeb m\u016f\u017eete v\u00fdrazn\u011b sn\u00ed\u017eit pravd\u011bpodobnost, \u017ee se stanete ob\u011bt\u00ed skimmer\u016f kreditn\u00edch karet. M\u011bjte na pam\u011bti, \u017ee vy a va\u0161e finan\u010dn\u00ed instituce nesete spole\u010dnou odpov\u011bdnost za ochranu va\u0161ich financ\u00ed, proto bu\u010fte informov\u00e1ni a p\u0159ijm\u011bte p\u0159\u00edslu\u0161n\u00e1 opat\u0159en\u00ed na jejich ochranu.<\/p><\/div>\n

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FAQ<\/div>\n
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Jak skimmer z\u00edsk\u00e1 v\u00e1\u0161 PIN?<\/div>\n

V\u00e1\u0161 PIN m\u016f\u017ee skimmer z\u00edskat n\u011bkolika zp\u016fsoby. Jednou z typick\u00fdch technik je pou\u017eit\u00ed mal\u00e9 skryt\u00e9 kamery, kter\u00e1 zaznamen\u00e1v\u00e1 va\u0161e stisky kl\u00e1ves p\u0159i zad\u00e1v\u00e1n\u00ed k\u00f3du PIN na kl\u00e1vesnici. Tyto kamery jsou \u010dasto z\u00e1m\u011brn\u011b um\u00edst\u011bny v bl\u00edzkosti samotn\u00e9ho skimmovac\u00edho za\u0159\u00edzen\u00ed nebo jsou vyrobeny tak, aby vypadaly jako toto za\u0159\u00edzen\u00ed. Dal\u0161\u00ed technikou, kterou skimmer z\u00edsk\u00e1 v\u00e1\u0161 k\u00f3d PIN, je instalace p\u0159ekryvn\u00e9ho za\u0159\u00edzen\u00ed na kl\u00e1vesnici, kter\u00e9 zaznamen\u00e1v\u00e1 stisky kl\u00e1ves. Tato p\u0159ekryvn\u00e1 vrstva m\u00e1 b\u00fdt k nerozezn\u00e1n\u00ed od skute\u010dn\u00e9 kl\u00e1vesnice, tak\u017ee je obt\u00ed\u017en\u00e9 ji odhalit. N\u011bkter\u00e9 skimmery nav\u00edc disponuj\u00ed technologi\u00ed, kter\u00e1 jim umo\u017e\u0148uje zaznamenat v\u00e1\u0161 PIN prost\u0159ednictv\u00edm softwaru pro z\u00e1znam kl\u00e1ves nebo d\u00edrkov\u00fdch kamer. Pokud p\u0159i zad\u00e1v\u00e1n\u00ed k\u00f3du PIN zakr\u00fdv\u00e1te kl\u00e1vesnici dlan\u00ed, d\u00e1v\u00e1te si pozor na za\u0159\u00edzen\u00ed, kter\u00e1 vypadaj\u00ed podez\u0159ele nebo maj\u00ed voln\u00e9 \u010dte\u010dky karet, a pravideln\u011b sledujete v\u00fdpisy z \u00fa\u010dtu, zda nedoch\u00e1z\u00ed k podvod\u016fm, m\u016f\u017eete b\u00fdt ostra\u017eit\u00ed a sv\u016fj k\u00f3d PIN zabezpe\u010dit. <\/p>\n<\/div>\n

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Z\u00edsk\u00e1vaj\u00ed skimmery karet CVV?<\/div>\n

K\u00f3d CVV (Card Verification Value), t\u0159\u00edm\u00edstn\u00e9 bezpe\u010dnostn\u00ed \u010d\u00edslo uveden\u00e9 na zadn\u00ed stran\u011b kreditn\u00ed karty, skimmery karet \u010dasto nezachyt\u00ed. Skimmery jsou vyrobeny tak, aby p\u0159e\u010detly \u00fadaje na magnetick\u00e9m prou\u017eku nebo \u010dipu karty, v\u010detn\u011b \u010d\u00edsla karty, data expirace a n\u011bkdy i jm\u00e9na dr\u017eitele karty. Pro skimmery je n\u00e1ro\u010dn\u00e9 na\u010d\u00edst CVV, proto\u017ee nen\u00ed ulo\u017eeno na magnetick\u00e9m prou\u017eku nebo \u010dipu. Skimmovac\u00ed za\u0159\u00edzen\u00ed mohou p\u0159esto shroma\u017e\u010fovat dal\u0161\u00ed citliv\u00e9 informace, kter\u00e9 mohou b\u00fdt pou\u017eity k podvodu, proto je st\u00e1le d\u016fle\u017eit\u00e9 kartu chr\u00e1nit a sna\u017eit se jim zcela vyhnout. <\/p>\n<\/div>\n

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Jak se skimmery karet chytaj\u00ed?<\/div>\n

Skimmery karet lze zadr\u017eet pomoc\u00ed r\u016fzn\u00fdch technik a akc\u00ed prov\u00e1d\u011bn\u00fdch jak soukrom\u00fdmi osobami, tak vl\u00e1dou. Zde jsou uvedeny n\u011bkter\u00e9 techniky pro dopaden\u00ed skimmer\u016f karet: Jedn\u00edm z nej\u010dast\u011bj\u0161\u00edch zp\u016fsob\u016f odhalen\u00ed skimmer\u016f karet jsou ostra\u017eit\u00ed z\u00e1kazn\u00edci, kte\u0159\u00ed si v\u0161imnou n\u011b\u010deho zvl\u00e1\u0161tn\u00edho nebo podivn\u00e9ho na bankomatu nebo platebn\u00edm termin\u00e1lu. Tito klienti si mohou v\u0161imnout jak\u00fdchkoli zn\u00e1mek manipulace nebo skimmovac\u00edho za\u0159\u00edzen\u00ed p\u0159ipojen\u00e9ho ke slotu na kartu. <\/p>\n

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2. B\u011b\u017en\u00e9 kontroly: Aby finan\u010dn\u00ed instituce a podniky odhalily jak\u00e9koli zn\u00e1mky manipulace nebo skimmovac\u00edho za\u0159\u00edzen\u00ed, prov\u00e1d\u011bj\u00ed rutinn\u00ed kontroly sv\u00fdch bankomat\u016f a platebn\u00edch termin\u00e1l\u016f. Tyto kontroly \u010dasto prov\u00e1d\u011bj\u00ed kvalifikovan\u00ed lid\u00e9 nebo bezpe\u010dnostn\u00ed specialist\u00e9, co\u017e m\u016f\u017ee pomoci p\u0159i vyhled\u00e1v\u00e1n\u00ed a zadr\u017een\u00ed skimmovac\u00edch za\u0159\u00edzen\u00ed na karty. 3. Bezpe\u010dnostn\u00ed kamery: Mnoho bankomat\u016f a platebn\u00edch termin\u00e1l\u016f je vybaveno dohledov\u00fdmi kamerami, kter\u00e9 zachycuj\u00ed d\u011bn\u00ed v okol\u00ed za\u0159\u00edzen\u00ed. Tyto kamery mohou zaznamenat z\u00e1b\u011bry pachatel\u016f, kte\u0159\u00ed nastavuj\u00ed skimmovac\u00ed za\u0159\u00edzen\u00ed nebo si s n\u00edm pohr\u00e1vaj\u00ed, co\u017e lze n\u00e1sledn\u011b pou\u017e\u00edt jako d\u016fkaz p\u0159i jejich zadr\u017een\u00ed. 4. \u00dasil\u00ed org\u00e1n\u016f \u010dinn\u00fdch v trestn\u00edm \u0159\u00edzen\u00ed: Organizace prosazuj\u00edc\u00ed pr\u00e1vo, jako jsou policejn\u00ed odd\u011blen\u00ed v sousedstv\u00ed nebo specializovan\u00e9 t\u00fdmy pro boj s kyberkriminalitou, aktivn\u011b vyhled\u00e1vaj\u00ed a lokalizuj\u00ed operace skimmingu karet. K z\u00edsk\u00e1n\u00ed informac\u00ed a dopaden\u00ed pachatel\u016f pou\u017e\u00edvaj\u00ed r\u016fzn\u00e9 strategie, v\u010detn\u011b tajn\u00fdch operac\u00ed a spolupr\u00e1ce s finan\u010dn\u00edmi institucemi. 5. V\u00fdvoj technologi\u00ed: Finan\u010dn\u00ed instituce a technologick\u00e9 firmy neust\u00e1le pracuj\u00ed na vytv\u00e1\u0159en\u00ed \u0161pi\u010dkov\u00fdch technologi\u00ed proti skimmingu. S c\u00edlem odhalit a zabr\u00e1nit snah\u00e1m o skimming tyto technologie znesnad\u0148uj\u00ed podvodn\u00edk\u016fm usp\u011bt a vyhnout se odhalen\u00ed. <\/p>\n

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Je d\u016fle\u017eit\u00e9 si uv\u011bdomit, \u017ee zachycen\u00ed skimmer\u016f platebn\u00edch karet vy\u017eaduje spolupr\u00e1ci ob\u010dan\u016f, firem a vl\u00e1dy. V\u0161ichni m\u016f\u017eeme spolupracovat na prevenci skimmingu karet a ochran\u011b na\u0161ich financ\u00ed t\u00edm, \u017ee z\u016fstaneme pozorn\u00ed, upozorn\u00edme ka\u017ed\u00e9ho, kdo se zapoj\u00ed do jak\u00e9koli pochybn\u00e9 \u010dinnosti, a zavedeme spolehliv\u00e1 bezpe\u010dnostn\u00ed opat\u0159en\u00ed.<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

\u010cast\u00fdm a sofistikovan\u00fdm typem finan\u010dn\u00edch podvod\u016f je skimming kreditn\u00edch karet. Skimmery jsou n\u00e1stroje, kter\u00e9 zlod\u011bji pou\u017e\u00edvaj\u00ed ke kr\u00e1de\u017e\u00edm informac\u00ed o kreditn\u00edch kart\u00e1ch nev\u011bdom\u00fdch lid\u00ed u bankomat\u016f, benzinov\u00fdch \u010derpadel a dal\u0161\u00edch platebn\u00edch termin\u00e1l\u016f. S rozvojem technologi\u00ed je v\u00edce ne\u017e kdy jindy d\u016fle\u017eit\u00e9 b\u00fdt obez\u0159etn\u00fd a p\u0159ijmout preventivn\u00ed opat\u0159en\u00ed, abyste se nestali ob\u011bt\u00ed tohoto druhu trestn\u00e9 \u010dinnosti. … \u010c\u00edst d\u00e1l<\/a><\/p>\n","protected":false},"author":1607,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[584],"tags":[],"class_list":["post-7212","post","type-post","status-publish","format-standard","hentry","category-kyberneticka-bezpecnost"],"_links":{"self":[{"href":"https:\/\/tech-lib.eu\/tech\/wp-json\/wp\/v2\/posts\/7212","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tech-lib.eu\/tech\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tech-lib.eu\/tech\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tech-lib.eu\/tech\/wp-json\/wp\/v2\/users\/1607"}],"replies":[{"embeddable":true,"href":"https:\/\/tech-lib.eu\/tech\/wp-json\/wp\/v2\/comments?post=7212"}],"version-history":[{"count":0,"href":"https:\/\/tech-lib.eu\/tech\/wp-json\/wp\/v2\/posts\/7212\/revisions"}],"wp:attachment":[{"href":"https:\/\/tech-lib.eu\/tech\/wp-json\/wp\/v2\/media?parent=7212"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tech-lib.eu\/tech\/wp-json\/wp\/v2\/categories?post=7212"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tech-lib.eu\/tech\/wp-json\/wp\/v2\/tags?post=7212"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}