Ndepi iyo nhamba yekadhi pane pepurasitiki?

Nhasi, makadhi ebhangi ave chimbo chetsika yekubhadhara mumwe nomumwe wedu. Muchikwata chemunhu chero upi zvake nhasi pane mabhidhi maviri ebhengi anoita mabasa akasiyana. Mukuwedzera, vane zviyero zvakawanda zvinoshandiswa kuita mari yakachengeteka. Tichazotaura pamusoro peimwe yezvipimo - iyi ndiyo nhamba yekadhi. Pano ruzivo rwuripo uye kuti runogona kuwanika pane chero rudzi rwekadhi yekubhadhara, tichakurukura munyaya ino. Uyewo, ngatitaurire nezvekuchengeteka muhuwandu.

Ndeipi nhamba yekadhi?

Saka, nhamba yakasiyana-siyana yekuzivikanwa yezvinhu zvakadaro zvekubhadhara, sebhokisi repurasitiki yekambani, ine 16 (uye dzimwe nguva 18) majeri. Kana iwe ukatarisa nhamba yemepu (kwazviri - tichakuudza zvishoma gare gare), maitiro mumifananidzo, iyo inosanganisira, haugoni kuona. Zvingangodaro, iwe unofunga kuti nhamba iyi yakazara zvachose. Asi izvi hazvisi izvo.

Ichokwadi, nhamba dzekadhi dzinosanganisira nhamba dzakarongeka mune zvakakwana, zvinonongedza. Kunyanya, nhamba dzekutanga 6 ndeyekubhadhara (Visa, MasterCard), iyo inoshandisa kadhi zvekutengesa; Nenzira yebhangi yakabudisa mutakuri weplastiki. Nokudaro, uchiziva zviyero izvi, unogona kuwana ruzivo pamusoro pebhengi rakabudisa uye kushandiswa kwekadhi yekadhi.

Uyezve, chaizvoizvo, pane zvifananidzo izvo zvinoitwa nenzira yakadai kuti zvive zvakasiyana. Kunyange, kana iwe wakatarisa makadhi maviri akabudiswa pamwe chete, unogona kuona kuti nhamba yavo iri pedo uye inoenda.

Ndeipi iyo nhamba yemakadhi ebhengi inoratidzwa ?

Saka iwe unowana sei kuti nhamba yako kadi ndeipi, kwairi uye kuti ungaiwana sei? Tinotaura mune chikamu chino. Saka, zvinhu zvose zvakajeka - iwe unongoda kutora kadhi rako uye uridzora chiso nechiso. Nokudaro iwe uchaona izvo zvinoratidzwa pazviri kubva kurutivi "rukuru" (achitaura kune rumwe rutivi kune rumwe ruine magnetic tape). Pairi, iwe uchaona zviyero zvichitsvaga nekudengenyeka, kuumba nhamba yekadhi. Zvinowanikwa mukati, uye zviri nyore kuzviwana.

Nhamba iyi iwe unogona kuita zvekutengeserana pamakadhi ako - kutora mari kubva kune vamwe vanhu uye kubhadhara kutenga kwako (kusanganisira paInternet). Saka, chaizvoizvo, nhamba yekadhi (kwairi, tichafungidzira, iwe unonzwisisa) chikamu chemashoko akavanzika, uchiziva kuti unogona kushandisa mari kubva muchiridziro ichi.

Tsvaga nhamba yekadhi mune dzimwe nzira

Nenzira, iwe unogona kuwana ruzivo pamusoro pechipi chekadhi rako, uye mune dzimwe nzira, kusanganisira - pasina kuvepo kwaro. Dhawoni yakadaro iwe unogona kuida, somuenzaniso, kana iwe ukarasikirwa nekadhi rako. Zvino, kuitira kuti parege kuva nemunhu anokwanisa kubvisa mari kubva kubhengi yako, unogona kudana bhangi nekukumbira kudzivhara, mushure mekutaura nhamba yacho.

Saka, patinopindura mubvunzo wekuti maestro kadi yeMaestro iri kupi , ngatitonei kuInternet banking, iyo ikozvino inoshanda kumabanki akawanda. Kana uchingopinda mairi pasi penyaya yako, iwe uchaona pakarepo urongwa hwemakadhi akasungirirwa kwauri uye nhamba yako yefoni. Iko, kunyanya, ichava ruzivo pamusoro pechiverengero.

Imwe nzira inosarudzwa ndeyokutaura nehofisi yebhangi. Nokudaro, vashandi vebazi chero ripi neripi vanokwanisa kuwana magwaro ehurumende yevashandi vavo. Ikoko uchawana ruzivo pamusoro pemari yako uye makadhi. Uchiziva kuti nhamba ye Mastercard (kana Visa) yevashandi vavo iripi, chero mushandi webhangi achakubatsira iwe nekumuudza. Ingo usakanganwa kubudisa gwaro kuti uzive kuti uripi.

Mukuwedzera, nhamba yekadhi inogona kuonekwa musimboti yawakasayina nebhangi.

Nhamba yenyaya yebhangi

Kana iwe uri kutarisa kuti nhamba yekadhi yeSberbank iripo, tapota usanetsa chiratidzo ichi nenhamba yebhuku.

Idzi idzi dzakasiyana zvakasiyana nedzimwe dzakasungirwa kubhengi yako yebhangi seimwe nzira yekubhadhara inokubvumira kuunganidza nekushandisa mari. Chaizvoizvo, kadhi rechipurasitiki rakanamatirwa nekambani uye iri kiyi yekombiyuta yekuwana nayo. Asi kadhi nhamba uye nhoroondo dzinenge dzakasiyana.

Mukuwedzera, nokurasikirwa kadhi, iwe uchagamuchira imwe itsva, ine nhamba yakarongedzwa. Muchiitiko ichi, nhamba yekambani icharamba yakafanana. Kuti uone kuti nhamba yekadhi yekadhi ndeyei zvishoma zvakaoma. Ichi chiri muchikamu chinotevera.

Ndingawana sei nhamba yenyaya?

Nokudaro, nzira dzekuwana chiziviso chebhangi yako yebhangi inenge yakafanana neyakadaro kadhi. Chete pamapuraneti epurasitiki, zvechokwadi, nhamba yakadaro haigoni kuratidzwa - hazvina musoro.

Iwe unogona kuzviona muchibvumirano chekuchengetwa kwebhangi yebhangi, yaunosayina, kwekutanga kokushandisa kune imwe nzvimbo yezvemari. Inogonawo kuwanika kune mamwe mabhizimusi ekuIndaneti (kazhinji inonyanya kushandiswa mabanki).

Sei ndichida nhamba yekadhi?

Iwe unobvunza: "Sei uchida kuziva nhamba yekadhi?" Isu tinopindura: "Kuti tiite zvose zvekushanda nayo." Mumashoko akareruka, kune marudzi maviri emabasa: kukwereta uye kunyora-kurega. Saizvozvowo, nekadhi yenhamba (se, zvirokwazvo, iyo nhoroondo), muteresi anogona kugamuchira mari kubva kune dzimwe nzvimbo. Chero bedzi, pane nhamba yakasiyana, inogona kuwanikwa uye kutumirwa mari.

Kana iri iyo kunyorwa, nzira iri apa ichinyanya kuoma. Muchiitiko ichi, hongu, nhamba inoshandawo kujekesa, asi kunze kwayo (uye apo nhamba yekadhi yeSberbank iripo, iwe unotoziva kare), iwe unodawo kupa dzimwe mitezo yezvokuchengetedza. Iyi CVV-code (haina mahwendefa epurasitiki) uye zuva iro kadhi rakakodzera. Kuziva izvi mitatu mitero, unogona kubvisa mari ipi zvayo, kunyange kubva pane imwe kadhi yemumwe munhu. Saka, unofanira kunzwisisa kukosha kwavo.

CVV-code inhamba nhamba nhatu, iyo isiri pamakadhi ose, asi iri kumashure kwepurasitiki (pasi pe magnetic tape). Kuvimbiswa kwemajeri mana akaparadzaniswa ne slash. Vanoratidza kuti nguva yakassetti yakasikwa yakareba sei. Chimiro ichi chinotarisa, somuenzaniso, seizvi: 02/23. Izvi zvinoreva kuti kadhi yacho inoshanda kusvikira February 2023.

Yeuka nezvekuchengetedzwa!

Saka, pakurondedzera zviyero zvemakadhi ebhangi (kusanganisira nhamba yakakosha yekadhi iyo iripo, pamwe chete nemimwe mitemo uye nzvimbo), usakanganwa chinangwa chavo chikuru - kuwana mari kune iyo account! Saizvozvowo, kana iwe uchisiya data iyi kune imwe nzvimbo uye inowira mumaoko evanhu vanonyadzisa - usashamisika apo kamwe kamwe iwe unorasikirwa nemari yose iri pamakadhi!

Ngwarira pane zvose. Kutanga kubva kune mawebsite ezvinyorwa zvepaIndaneti nemashando, apo iwe unogona kubhadhara nekadhi, usati wadana kubva kunonzi "Security Service yebhangi rako" - chenjerera. Zvechokwadi, chaizvoizvo, basa rekuchengetedzwa rinokushevedza iwe uye unokumbira kuti dhidhi data isasadaro; Uye pamusoro pemabasa uye nzvimbo - tinokurudzira kushandisa chete zvakanyanya kuvimbika uye zvinyorwa, zvekuti deta haigoni kuendeswa "kune rumwe rutivi".