Technology used by cyber criminals are also becoming increasingly sophisticated. No doubt, the banks must have a strong security system to confronting.Nevertheless, to avoid this crime also required the active role of the customer. Check 6 tips to keep this account piercing action according to M. Salahuddien, Vice Chairman of the Indonesia Security Incident Responses Team on Internet Infrastructure (ID-SIRTII)
1. Use only the chip card, if you have not provided bank chip card, you must ask for change and do not use for transactions before replaced. Rules of Bank Indonesia (BI) new, since January 2010 the official card and should be used only type of chip cards.
"Only, I have not confirmed whether this rule for credit cards only, or also for atm card? Should have all the cards issued by banks. If abroad, the ATM machine was not willing to accept non-chip cards," said Didin, his calling.
2. Protect the 3 digits code (CVV2) on the back of your card. Except for the authorization of transactions online, the code will never be used for conventional transactions at ATM machines, or on the counter EDC merchants. Close the 3 figures at the back of the card with stickers, whatever cellotape not transparent
3. Change your PIN as often as possible. Simple parameters, when you shave hair, change your socks (for starting the smell), or replace a toothbrush (because it was starting to wrinkle) or each time a check vehicle tire, it is time to replace your ATM card PIN. For example in a gas station, usually there is now an ATM machine, you can change your PIN when purchasing the fuel transaction.
"It's serious, the main enemy of the security problem is human behavior itself, habits, behavior, most break-ins occur because of the exploitation of social weaknesses, so-called social engineering," he said.
4. Never give information and personal data pins used for banking authorization to anyone for any reason, including the bank's customer service, such as mother's maiden name and others. Unless it believes that the procedure to go through. For now a lot of third parties (eg insurance companies) by reason of cooperation with the issuing bank, offering products in telemarketing and you are asked to give this personal information.
"Unfortunately, if it was not from telemarketing, but the syndicates fraud perpetrators, you never know and can not do cross check in this situation," continued Didin.
5. Be careful when receiving an offer from such telemarketing, because usually you have provided consent will be interpreted as a willingness to do auto ebet against your account. This is dangerous, better if less sure, you asked for more time to confirm the correct issuing bank if the bank had a partnership with the telemarketing and how the rules and risks.
"Or you might as well always reject the offer, or simply to know the name of the product and who your real organizers themselves further if interested can be a behind the initiative to contact the service provider and ask to be served. This is much safer, although you need the active participation," said Didin.
6. Keep an eye on your card presence in the counter when the merchant, do not let the card be taken anywhere and swiped into a different machine many times. You better cancel the transaction and do not have to sign anything and report to the issuing bank when the suspect with the conditions in a counter merchants.
Watch the EDC also machine condition, whether there appears an enhancement or additional cable connections are suspicious. But it needs a technical understanding, ordinary users would typically be difficult to distinguish.
We must remember, as we rub the card, then all the important information will be recorded by the EDC machine and some even in print. Such as name, card number and expiration date (sometimes the date of starting to use).
Someone does not need to have a super memory to memorize the code line number listed on the card. If you are careless enough time to use actors to record the information (thrasing). Even their cooperation with each other like two, one intentionally distract you and only carry the card or even record your card to swipe skimming machines that are not visible
sumber: http://www.detikinet.com/read/2010/01/20/152716/1282490/510/6-kiat-menghalau-pembobolan-rekening
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