{"id":1796,"date":"2014-11-12T04:48:41","date_gmt":"2014-11-12T09:48:41","guid":{"rendered":"https:\/\/www.kaspersky.com.tr\/blog\/?p=1796"},"modified":"2020-02-26T18:36:52","modified_gmt":"2020-02-26T15:36:52","slug":"kredi-karti-bilgilerim-calininca-ogrendigim-bes-ders","status":"publish","type":"post","link":"https:\/\/www.kaspersky.com.tr\/blog\/kredi-karti-bilgilerim-calininca-ogrendigim-bes-ders\/1796\/","title":{"rendered":"Kredi Kart\u0131 bilgilerim \u00e7al\u0131n\u0131nca \u00f6\u011frendi\u011fim be\u015f ders"},"content":{"rendered":"<p>Bir sabah i\u015fe gitmek i\u00e7in acele ile haz\u0131rlan\u0131rken aniden her \u015fey ters gitmeye ba\u015flad\u0131: bankada 80$ harcama yapt\u0131\u011f\u0131ma dair bir mesaj geldi. Ancak b\u00f6yle bir harcama yapmam\u0131\u015ft\u0131m.<\/p>\n<p>Ne mi yapt\u0131m? Bankaya ba\u015fvuruda bulundum hemen kart\u0131m\u0131 bloke ettim ve yenilettim. H\u0131zl\u0131 tepki vermem sayesinde sorun \u00e7\u00f6z\u00fcld\u00fc. \u0130ncelemeler neticesinde yap\u0131lan harcama iade edildi. Ancak bu yaz\u0131n\u0131n amac\u0131 nas\u0131l bitti\u011fi de\u011fil bu s\u00fcre\u00e7ten ne derse ald\u0131\u011f\u0131m.<\/p>\n<p><strong>Ders 1: H\u0131zl\u0131 tepki vermek \u00f6nemli<\/strong><\/p>\n<p>D\u00fcnyadaki t\u00fcm bankalar i\u00e7in ge\u00e7erli bir kural: hesab\u0131n\u0131z\u0131n hack edildi\u011fine dair ne kadar h\u0131zl\u0131 bankan\u0131za bilgi verirseniz paran\u0131z\u0131 geri alma ihtimaliniz o kadar y\u00fcksek olur. Bu y\u00fczden kart\u0131n\u0131zdan ger\u00e7ekle\u015fen i\u015flemlerden haberdar olman\u0131z \u00f6nemli. En ideali SMS uyar\u0131lar\u0131.<\/p>\n<p>Hesap durumu hakk\u0131nda g\u00fcnl\u00fck uyar\u0131lar mesajlar\u0131 da olur. E\u011fer ba\u015fka se\u00e7ene\u011finiz yoksa ayl\u0131k hesap d\u00f6k\u00fcmlerini de inceleyebilirsiniz. Ben SMS uyar\u0131lar\u0131 etkinle\u015ftirmi\u015ftim. Bu nedenle kart\u0131m\u0131 bloke etmem ve izinsiz i\u015flem ba\u015fvurusunda bulunmam ayn\u0131 g\u00fcn i\u00e7inde be\u015f dakikada ger\u00e7ekle\u015febildi.<\/p>\n<p><strong>Ders 2: Her t\u00fcrl\u00fc sigorta i\u015fe yarar<\/strong><\/p>\n<p>Her t\u00fcrl\u00fc ekstra koruma seviyesi doland\u0131r\u0131c\u0131lar\u0131n amac\u0131na ula\u015fmas\u0131n\u0131 zorla\u015ft\u0131rarak zarar\u0131n\u0131z\u0131 minimuma indirir. Bu nedenle t\u00fcm online \u00f6demeler i\u00e7in <a href=\"https:\/\/en.wikipedia.org\/wiki\/3-D_Secure\" target=\"_blank\" rel=\"noopener nofollow\">3D-Secure<\/a> (MasterCard SecureCode, Verified by Visa) \u00f6zelli\u011fini ve online bankac\u0131l\u0131k ara\u00e7lar\u0131nda iki a\u015famal\u0131 kimlik do\u011frulamay\u0131 etkinle\u015ftirmelisiniz. Ayr\u0131ca imza yerine \u00e7ip ve PIN kullanan \u00f6deme cihazlar\u0131n\u0131 tercih etmelisiniz.<\/p>\n<p>Online \u00f6demeleri sadece g\u00fcvenli Wi-Fi a\u011flar\u0131nda ger\u00e7ekle\u015ftirin ve bilgisayar\u0131n\u0131zda g\u00fc\u00e7l\u00fc bir <a href=\"https:\/\/www.kaspersky.com\/advert\/free-trials\/multi-device-security?redef=1&amp;THRU&amp;reseller=blog_en-global\" target=\"_blank\" rel=\"noopener nofollow\">anti vir\u00fcs \u00e7\u00f6z\u00fcm\u00fc<\/a> kullan\u0131n. Ek olarak, kredi kart\u0131 sigortas\u0131 da yapt\u0131rmak faydal\u0131 olabilir.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">What is two-factor authentication? Where should you use it? <a href=\"https:\/\/t.co\/h78Cc3ivJ7\" target=\"_blank\" rel=\"noopener nofollow\">https:\/\/t.co\/h78Cc3ivJ7<\/a> <a href=\"http:\/\/t.co\/3i9YyLdEpI\" target=\"_blank\" rel=\"noopener nofollow\">pic.twitter.com\/3i9YyLdEpI<\/a><\/p>\n<p>\u2014 Eugene Kaspersky (@e_kaspersky) <a href=\"https:\/\/twitter.com\/e_kaspersky\/status\/476383818052403201?ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener nofollow\">June 10, 2014<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>Ben t\u00fcm bu \u00f6nlemleri bir arada kullanmay\u0131 tercih ediyorum. Belki de doland\u0131r\u0131c\u0131lar daha \u00f6nce de kart\u0131mdan para \u00e7almay\u0131 denediler ancak hi\u00e7 dikkatimi \u00e7ekmedi \u00e7\u00fcnk\u00fc denemeleri bu \u00f6nlemler nedeniyle ba\u015far\u0131s\u0131z oldu.<\/p>\n<p><strong>Ders 3: \u00d6nlem her \u015feyi \u00e7\u00f6zmez<br>\n<\/strong><\/p>\n<p>Ne yaz\u0131k ki doland\u0131r\u0131c\u0131lar g\u00fcvenlik \u00f6nlemlerini a\u015fmak i\u00e7in yeteneklerini ili\u015fkilendirmeyi \u00e7ok iyi ba\u015far\u0131yor. Bu sebeple de yukar\u0131da bahsetti\u011fim \u00f6nlemler sizi tam olarak korumaya yetmez. Al\u0131n teriniz ile kazand\u0131\u011f\u0131n\u0131z paran\u0131z\u0131 \u00e7abucak kaybetmek i\u00e7in\u00a0<a href=\"https:\/\/www.kaspersky.com\/blog\/security-is-18\/\" target=\"_blank\" rel=\"noopener nofollow\">doland\u0131r\u0131c\u0131l\u0131k yaz\u0131l\u0131m\u0131<\/a> y\u00fcklenmi\u015f bir ATM\u2019den para \u00e7ekmek veya vir\u00fcs bula\u015fm\u0131\u015f bir bilgisayardan online \u00f6deme yapmak yeterli olabilir. Birinci \u00f6rnekte doland\u0131r\u0131c\u0131lar kredi kart\u0131n\u0131z\u0131 kopyalayarak ATM\u2019lerden para \u00e7ekebilirler. \u0130kincisinde ise paralar\u0131n\u0131z\u0131 online olarak harcayabilirler.<\/p>\n<p>Ben kartlar\u0131m konusunda \u00e7ok dikkatli oldu\u011fum i\u00e7in daha geli\u015fmi\u015f bir sald\u0131r\u0131ya kurban gitti\u011fimi d\u00fc\u015f\u00fcn\u00fcyorum. Bu sene \u00f6\u011frendik ki e\u011fer sisteme \u00f6zel bir Truva at\u0131 yerle\u015ftirilmi\u015fse, <a href=\"https:\/\/threatpost.com\/56-million-payment-cards-at-risk-in-home-depot-data-breach\" target=\"_blank\" rel=\"noopener nofollow\">b\u00fcy\u00fck perakende ma\u011fazalar\u0131nda kredi kart\u0131n\u0131z ile al\u0131\u015fveri\u015f yapmak tehlikeli olabiliyor<\/a>. Bu \u00f6zellikle Amerikan perakende ma\u011fazalar\u0131n\u0131 kaps\u0131yor \u00e7\u00fcnk\u00fc eski tip POS terminalleri kullan\u0131yorlar. Kredi kart\u0131m\u0131 ABD\u2019de s\u0131k\u00e7a kulland\u0131\u011f\u0131m i\u00e7in bu t\u00fcr bir doland\u0131r\u0131c\u0131l\u0131\u011f\u0131n kurban\u0131 oldu\u011fumu d\u00fc\u015f\u00fcn\u00fcyorum.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">56MM payment cards at risk in Home Depot data breach  <a href=\"https:\/\/t.co\/4sLyGWnLCU\" target=\"_blank\" rel=\"noopener nofollow\">https:\/\/t.co\/4sLyGWnLCU<\/a> <a href=\"http:\/\/t.co\/pBNoIJwa3J\" target=\"_blank\" rel=\"noopener nofollow\">pic.twitter.com\/pBNoIJwa3J<\/a><\/p>\n<p>\u2014 Eugene Kaspersky (@e_kaspersky) <a href=\"https:\/\/twitter.com\/e_kaspersky\/status\/513085417818554368?ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener nofollow\">September 19, 2014<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><br>\nG\u00f6z ard\u0131 edilmemesi gereken bir se\u00e7enek de online ma\u011fazalardan birindeki \u00f6deme bilgilerinin s\u0131zd\u0131r\u0131lm\u0131\u015f olmas\u0131. Kredi kart\u0131mda 3D-Secure tan\u0131ml\u0131 ancak su\u00e7lular eski tip ve 3D-Secure \u00f6zelli\u011fi olmayan \u00f6deme sistemi kullanan bir online ma\u011fazada kart\u0131m\u0131 kullanmay\u0131 ba\u015farabilir.<\/p>\n<p><strong>Ders 4: Kredi kart\u0131 doland\u0131r\u0131c\u0131l\u0131\u011f\u0131 organize bir su\u00e7<\/strong><\/p>\n<div class=\"pullquote\">Bir hafta sonra kredi kart\u0131m\u0131n bir Amerikan online ma\u011fazas\u0131nda kullan\u0131lmaya \u00e7al\u0131\u015f\u0131ld\u0131\u011f\u0131na dair mesaj ald\u0131m. Bir ka\u00e7 g\u00fcn sonra tekrar bir mesaj geldi. Bir hafta sonra da kart\u0131m\u0131n Meksika da bir d\u00fckkanda \u00f6deme yapmak i\u00e7in kullan\u0131lmaya \u00e7al\u0131\u015f\u0131ld\u0131\u011f\u0131na dair mesaj ald\u0131m.<\/div>\n<p>Bu ders ilgin\u00e7 bir \u015fekilde geldi. Kart\u0131m\u0131 ba\u015far\u0131yla bloke ettirdikten sonra bir hafta sorunsuz ge\u00e7ti. Ancak ikinci hafta kredi kart\u0131m\u0131n bir Amerikan online ma\u011fazas\u0131nda kullan\u0131lmaya \u00e7al\u0131\u015f\u0131ld\u0131\u011f\u0131na dair mesaj ald\u0131m. Bir ka\u00e7 g\u00fcn sonra tekrar bir mesaj geldi. Bir hafta sonra da kart\u0131m\u0131n Meksika da bir d\u00fckkanda \u00f6deme yapmak i\u00e7in kullan\u0131lmaya \u00e7al\u0131\u015f\u0131ld\u0131\u011f\u0131na dair mesaj ald\u0131m.\u00a0Elbette t\u00fcm denemeler kart bloke edildi\u011fi i\u00e7in ba\u015far\u0131s\u0131z oldu. Ancak g\u00f6r\u00fcnen o ki kredi kart\u0131 bilgilerimi \u00e7alan ki\u015fi bu bilgiyi (muhtemelen onlarca kart bilgisi olan bir veritaban\u0131 i\u00e7inde) farkl\u0131 ki\u015filere satm\u0131\u015f. Her biri tekrar tekrar kart\u0131 kullanmay\u0131 denedi.<\/p>\n<p><strong>Ders 5: Her zaman B plan\u0131n\u0131z olsun<\/strong><\/p>\n<p>Ayr\u0131ca C, D ve E planlar\u0131 da olursa faydal\u0131 olur. Benim vakam da olas\u0131 kay\u0131p \u00e7ok y\u00fcksek de\u011fildi ve paray\u0131 geri alamasam bile \u00e7ok ciddi zarar\u0131 olmazd\u0131.<\/p>\n<p><em><blockquote class=\"twitter-pullquote\"><p>Kredi kart\u0131 bilgileriniz \u00e7al\u0131nd\u0131\u011f\u0131nda h\u0131zl\u0131 davranmak \u00f6nemlidir.<\/p><a href=\"https:\/\/twitter.com\/share?url=https%3A%2F%2Fkas.pr%2FZj1z&amp;text=Kredi+kart%C4%B1+bilgileriniz+%C3%A7al%C4%B1nd%C4%B1%C4%9F%C4%B1nda+h%C4%B1zl%C4%B1+davranmak+%C3%B6nemlidir.\" class=\"btn btn-twhite\" data-lang=\"en\" data-count=\"0\" target=\"_blank\" rel=\"noopener nofollow\">Tweet<\/a><\/blockquote><\/em><\/p>\n<p>Ancak baz\u0131 arkada\u015flar\u0131m bu t\u00fcr doland\u0131r\u0131c\u0131l\u0131klar y\u00fcz\u00fcnden ciddi paralar kaybettiler. Baz\u0131lar\u0131 bu durumla tatildeyken kar\u015f\u0131la\u015ft\u0131. Yemek ve yol i\u00e7in harcayacak paralar\u0131 bile kalmad\u0131.<a href=\"https:\/\/media.kasperskydaily.com\/wp-content\/uploads\/sites\/91\/2015\/09\/06014408\/Three-lessons-I-learnt-from-my-credit-card-hack.png\"><br>\n<\/a><\/p>\n<p>Bu t\u00fcr durumlarla kar\u015f\u0131la\u015fmamak i\u00e7in minimum iki hatta \u00fc\u00e7 veya d\u00f6rt kart\u0131n\u0131z olmas\u0131 en iyisi. Farkl\u0131 bankalardan kart kullan\u0131n, \u00f6demelerinizi e\u015fit b\u00f6l\u00fc\u015ft\u00fcr\u00fcn ve farkl\u0131 \u00f6deme sistemleri kullan\u0131n. Online \u00f6demeler i\u00e7in bir kart ay\u0131r\u0131n ve limitini d\u00fc\u015f\u00fck tutun. Bir ba\u015fka uygun \u00e7\u00f6z\u00fcm de online \u00f6demeler i\u00e7in sanal kart kullanmak olabilir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bir sabah i\u015fe gitmek i\u00e7in acele ile haz\u0131rlan\u0131rken aniden her \u015fey ters gitmeye ba\u015flad\u0131: bankada 80$ harcama yapt\u0131\u011f\u0131ma dair bir mesaj geldi. Ancak b\u00f6yle bir harcama yapmam\u0131\u015ft\u0131m. Ne mi yapt\u0131m?<\/p>\n","protected":false},"author":350,"featured_media":1797,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1284,1351],"tags":[597,757,612,23,766,611,765,764],"class_list":{"0":"post-1796","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-tips","8":"category-threats","9":"tag-bankacilik-truva-ati","10":"tag-cybersavvy","11":"tag-dolandiricilik","12":"tag-hacker","13":"tag-insan-hikayeleri","14":"tag-kredi-karti","15":"tag-online-odeme","16":"tag-tavsiye"},"hreflang":[{"hreflang":"tr","url":"https:\/\/www.kaspersky.com.tr\/blog\/kredi-karti-bilgilerim-calininca-ogrendigim-bes-ders\/1796\/"}],"acf":[],"banners":"","maintag":{"url":"https:\/\/www.kaspersky.com.tr\/blog\/tag\/bankacilik-truva-ati\/","name":"Bankac\u0131l\u0131k Truva at\u0131"},"_links":{"self":[{"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/posts\/1796","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/users\/350"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/comments?post=1796"}],"version-history":[{"count":3,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/posts\/1796\/revisions"}],"predecessor-version":[{"id":7781,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/posts\/1796\/revisions\/7781"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/media\/1797"}],"wp:attachment":[{"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=1796"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=1796"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=1796"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}