{"id":2933,"date":"2017-02-06T02:42:23","date_gmt":"2017-02-06T07:42:23","guid":{"rendered":"https:\/\/www.kaspersky.com.tr\/blog\/?p=2933"},"modified":"2019-11-15T14:53:16","modified_gmt":"2019-11-15T11:53:16","slug":"no-money-back","status":"publish","type":"post","link":"https:\/\/www.kaspersky.com.tr\/blog\/no-money-back\/2933\/","title":{"rendered":"\u00c7al\u0131nan paran\u0131z\u0131 geri alabilir misiniz?"},"content":{"rendered":"

\u0130nsanlar dijital ortam\u0131n faydalar\u0131ndan yararlanmaktan ho\u015flan\u0131yorlar ve \u00e7evrimi\u00e7i \u00f6deme ya da mobil bankac\u0131l\u0131k sistemiyle al\u0131\u015fveri\u015f yapmaya meyilliler. Kaspersky Lab taraf\u0131ndan y\u00f6netilen bir ara\u015ft\u0131rmayla<\/a>, kullan\u0131c\u0131lar\u0131n \u00e7o\u011funlu\u011funun (%81) finansal rutinleri i\u00e7in internete g\u00fcvendi\u011fi ve neredeyse yar\u0131s\u0131n\u0131n (%44) cihazlar\u0131nda finansal verilerini depolad\u0131\u011f\u0131 sonucuna var\u0131ld\u0131.<\/p>\n

Ancak, kullan\u0131c\u0131lar\u0131n sadece %60\u2019\u0131n\u0131n cihazlar\u0131nda g\u00fcvenlik \u00e7\u00f6z\u00fcmleri y\u00fckl\u00fc ve kalan %40\u2019\u0131n g\u00fcvenli\u011fi ise tamamen siber su\u00e7lular\u0131n merhametine kalm\u0131\u015f.<\/p>\n

\u0130nsanlar hileli bir al\u0131\u015fveri\u015fte ortalama 476 dolar kaybediyorlar. Bu sadece ortalama bir say\u0131. On kullan\u0131c\u0131dan biri 5.000 dolara varan kay\u0131p ya\u015f\u0131yor. Bu rakam \u00e7evrimi\u00e7i doland\u0131r\u0131c\u0131l\u0131k, kimlik h\u0131rs\u0131zl\u0131\u011f\u0131 ve zararl\u0131 yaz\u0131l\u0131mlar sebebiyle y\u0131ll\u0131k d\u00fcnya genelinde milyarlarca dolara ula\u015f\u0131yor.<\/p>\n

Ma\u011fdurlar\u0131n i\u015flem tamamlanmadan \u00f6nce paralar\u0131n\u0131 geri alma \u015fanslar\u0131 var. M\u00fcmk\u00fcnse hileli al\u0131\u015fveri\u015fin detaylar\u0131n\u0131 vererek bunu 24 saat i\u00e7inde yapmal\u0131lar. Sat\u0131c\u0131lar \u00e7al\u0131nm\u0131\u015f kartlarla i\u015f yapmaya zaten pek g\u00f6n\u00fcll\u00fc de\u011filler, zaman\u0131nda problemi onlara bildirirseniz, onlar da al\u0131\u015fveri\u015fi durdurup paran\u0131z\u0131 iade edebilirler. Banka servisleri, yasalar ve y\u00f6netim uygulamalar\u0131 ya\u015fad\u0131\u011f\u0131n\u0131z yere g\u00f6re de\u011fi\u015febilir. Bu y\u00fczden size uygun yoldan gitmenizi tavsiye ediyoruz.<\/p>\n

\u00c7o\u011fu insan bankalar\u0131n hesaplar\u0131 i\u00e7in bir koruyucu oldu\u011funu d\u00fc\u015f\u00fcn\u00fcr ancak unutmay\u0131n, banka anla\u015fmalar\u0131 ki\u015fisel verilerinizi koruman\u0131z\u0131 gerektiren bir madde i\u00e7erir. Bilgiyi koruman\u0131n yollar\u0131ndan baz\u0131lar\u0131 PIN kodu, CVC kodu ve SMS yoluyla al\u0131nan tek seferlik \u015fifrelerdir. E\u011fer al\u0131\u015fveri\u015finiz s\u0131ras\u0131nda bunlardan birini kullanmad\u0131ysan\u0131z hileli al\u0131\u015fveri\u015f durumunda paran\u0131z\u0131 geri alamayabilrsiniz \u00e7\u00fcnk\u00fc bu kullan\u0131c\u0131 hatas\u0131 olarak g\u00f6r\u00fcl\u00fcr. Online sahtek\u00e2rlar taraf\u0131ndan \u00e7al\u0131nan paray\u0131 geri alabilmek i\u00e7in ne yap\u0131lmas\u0131 gerekti\u011fini ve bu duruma d\u00fc\u015fm\u00fc\u015f insanlar\u0131n ne kadar\u0131n\u0131n paras\u0131n\u0131 geri alabildi\u011fini ara\u015ft\u0131rd\u0131k.<\/p>\n

\u00c7al\u0131nan paran\u0131n geri verilmesini beklemek mant\u0131kl\u0131 m\u0131?<\/h2>\n

Kaspersky Lab ara\u015ft\u0131rmalar\u0131na g\u00f6re anketimize kat\u0131lan kat\u0131l\u0131mc\u0131lar\u0131n neredeyse yar\u0131s\u0131 doland\u0131r\u0131c\u0131lar taraf\u0131ndan \u00e7al\u0131nan paran\u0131n geri verilmesi i\u00e7in bankas\u0131na g\u00fcveniyor. Ancak ac\u0131 ger\u00e7ek \u015f\u00f6yle: Kurbanlar\u0131n %52\u2019sinden fazlas\u0131 ne \u00e7al\u0131nan paran\u0131n hepsini ne de bir k\u0131sm\u0131n\u0131 geri alabilmi\u015fler.<\/p>\n

Ne yaz\u0131k ki, finans uzmanlar\u0131n\u0131n \u00e7o\u011fu bu duruma kat\u0131l\u0131yor<\/a>. Bankalar hileli al\u0131\u015fveri\u015fler sonucunda kaybedilen paray\u0131 geri vermeye yana\u015fm\u0131yorlar.<\/p>\n

Kaspersky Lab K\u0131demli Analisti Vyacheslav Zakorzhevsky \u201c\u00c7al\u0131nan paran\u0131z\u0131 her zaman geri alabilece\u011finizi d\u00fc\u015f\u00fcnmeyin\u201d diyor. \u201cParan\u0131z\u0131 g\u00fcvende tutman\u0131n en iyi yolu onu \u00e7al\u0131nmaktan korumakt\u0131r. G\u00fcvenlik programlar\u0131 kullan\u0131n ve siber su\u00e7lular\u0131n paran\u0131z\u0131 \u00e7almas\u0131na izin vermeyin. \u201d<\/p>\n

Paran\u0131z \u00e7al\u0131nd\u0131ysa ne yapmal\u0131s\u0131n\u0131z<\/h2>\n

Bir al\u0131\u015fveri\u015f yapt\u0131\u011f\u0131n\u0131zda bankan\u0131z sadece al\u0131c\u0131 ve sat\u0131c\u0131 aras\u0131ndaki k\u00f6pr\u00fcd\u00fcr. Bankan\u0131zdan g\u00f6n\u00fcll\u00fc olarak yapt\u0131\u011f\u0131n\u0131z bir al\u0131\u015fveri\u015fin paras\u0131n\u0131 geri vermesini bekleyemezsiniz (bir hata sonucu olsa bile). Hileli bir al\u0131\u015fveri\u015fi durdurabilir misiniz? Durumun ne boyutta oldu\u011funa ba\u011fl\u0131. Paran\u0131z \u00e7al\u0131nd\u0131ysa yapman\u0131z gereken ilk \u015fey bu durumu bankan\u0131za bildirmek olacakt\u0131r ve 24 saat i\u00e7inde bu i\u015flemi ger\u00e7ekle\u015ftirirseniz paran\u0131z\u0131 geri alma ihtimaliniz daha y\u00fcksek.<\/p>\n

Bankay\u0131 zaman\u0131nda uyard\u0131\u011f\u0131n\u0131za dair elinizde bir belge olmas\u0131 gerekiyor. E\u011fer bankan\u0131z somut bir belge g\u00f6dermiyorsa -i\u015flemi onaylayan bir mektup- bu belgeyi neden g\u00f6ndermediklerini sorun ve bunun bir belgesiniz isteyin. Bundan sonra bu olay\u0131 yetkililere bildirmelisiniz. Duruma g\u00f6re polis , Federal Ticaret Komisyonu ya da ba\u015fka bir yer olabilir. Bu noktada, bankay\u0131 mahkemeye vermek i\u00e7in elinizde gereken her \u015fey var.<\/p>\n

Baz\u0131 durumlarda, para \u00f6nce bir havuzda bekletilir ve sonra sat\u0131c\u0131ya aktar\u0131l\u0131r. Bu durumu ya\u015f\u0131yorsan\u0131z, paran\u0131z\u0131 geri alma olas\u0131l\u0131\u011f\u0131n\u0131z daha y\u00fcksek. Ama tabi ki en ba\u015f\u0131ndan bu i\u015flere kar\u0131\u015fmaman\u0131z sizin i\u00e7in en iyisi.<\/p>\n

Kredi kart\u0131n\u0131z\u0131 nas\u0131l korursunuz<\/h2>\n

\u2022 Kimseye PIN, CVC(kart\u0131n arkas\u0131nda yer alan son \u00fc\u00e7 rakam), ya da SMS yoluyla gelen \u015fifrenizi s\u00f6ylemeyin.
\n\u2022 \u015e\u00fcpheli sitelerden kredi kart\u0131n\u0131zla al\u0131\u015fveri\u015f yapmay\u0131n, nakit al\u0131\u015fveri\u015f tercih edin.
\n\u2022 Di\u011fer insanlarlabirlikteyken kart\u0131n\u0131z\u0131 ortal\u0131k yerde b\u0131rakmay\u0131n. Kasiyere ya da garsona kart\u0131n\u0131z\u0131 verirken g\u00f6z\u00fcn\u00fcz\u00fc ondan ay\u0131may\u0131n.
\n\u2022 Bankan\u0131zdan gelen SMS bildirimlerini aktif edin. Sahtekarlar paran\u0131z\u0131 birka\u00e7 bir seri al\u0131\u015fveri\u015f yaparak \u00e7almaya \u00e7al\u0131\u015fabilirler. SMS bildirimleri ile her \u015feyden haberdar olabilrisiniz.
\n\u2022 Kart\u0131n\u0131z\u0131 tehlikeye atan herhangi bir durum oldu\u011funda kart\u0131n\u0131z\u0131 hemen bloke edin ya da dondurun.
\n\u2022 Bankan\u0131z\u0131n online al\u0131\u015fveri\u015f i\u00e7in sanal kart\u0131 varsa onu kullan\u0131n. Di\u011fer kartlar i\u00e7in, bankan\u0131zla ileti\u015fime ge\u00e7erek online al\u0131\u015fveri\u015fe kapat\u0131n ya da online harcama limiti koydurun.
\n\u2022 G\u00fcvenli al\u0131\u015fveri\u015f i\u00e7in ek olarak \u00f6deme yapt\u0131\u011f\u0131n\u0131z cihazlar i\u00e7in g\u00fcvenlik \u00e7\u00f6z\u00fcm\u00fc indirmenizi \u015fiddetle tavsiye ediyoruz. \u00d6rne\u011fin, Kaspersky Internet Security<\/a> ve Kaspersky Total Security<\/a>\u2018nin Safe Money isimli bir \u00f6zelli\u011fi var. Bu \u00f6zellik ile \u00f6demelerinizi ayr\u0131ca a\u00e7\u0131lan g\u00fcvenli taray\u0131c\u0131 \u00fcst\u00fcnden yapars\u0131n\u0131z. Ba\u011f\u0131ms\u0131z test sonu\u00e7lar\u0131na g\u00f6re Safe Money en y\u00fcksek performansa sahip<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u0130nsanlar dijital ortam\u0131n faydalar\u0131ndan yararlanmaktan ho\u015flan\u0131yorlar ve \u00e7evrimi\u00e7i \u00f6deme ya da mobil bankac\u0131l\u0131k sistemiyle al\u0131\u015fveri\u015f yapmaya meyilliler. Kaspersky Lab taraf\u0131ndan y\u00f6netilen bir ara\u015ft\u0131rmayla, kullan\u0131c\u0131lar\u0131n \u00e7o\u011funlu\u011funun (%81) finansal rutinleri i\u00e7in internete g\u00fcvendi\u011fi ve neredeyse yar\u0131s\u0131n\u0131n (%44) cihazlar\u0131nda finansal verilerini depolad\u0131\u011f\u0131 sonucuna var\u0131ld\u0131.<\/p>\n","protected":false},"author":522,"featured_media":2934,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1284,1352,1285],"tags":[667,781,718,744,519,179,537,551],"class_list":{"0":"post-2933","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-tips","8":"category-special-projects","9":"category-products","10":"tag-arastirma","11":"tag-finans","12":"tag-guvenli-para","13":"tag-guvenlik","14":"tag-ipuclari-2","15":"tag-safe-money","16":"tag-tehditler","17":"tag-urunler-2"},"hreflang":[{"hreflang":"tr","url":"https:\/\/www.kaspersky.com.tr\/blog\/no-money-back\/2933\/"},{"hreflang":"en-ae","url":"https:\/\/me-en.kaspersky.com\/blog\/no-money-back\/5838\/"},{"hreflang":"ar","url":"https:\/\/me.kaspersky.com\/blog\/no-money-back\/4060\/"},{"hreflang":"en-us","url":"https:\/\/usa.kaspersky.com\/blog\/no-money-back\/10723\/"},{"hreflang":"en-gb","url":"https:\/\/www.kaspersky.co.uk\/blog\/no-money-back\/8302\/"},{"hreflang":"es-mx","url":"https:\/\/latam.kaspersky.com\/blog\/no-money-back\/8853\/"},{"hreflang":"es","url":"https:\/\/www.kaspersky.es\/blog\/no-money-back\/9939\/"},{"hreflang":"it","url":"https:\/\/www.kaspersky.it\/blog\/no-money-back\/9679\/"},{"hreflang":"ru","url":"https:\/\/www.kaspersky.ru\/blog\/no-money-back\/14014\/"},{"hreflang":"x-default","url":"https:\/\/www.kaspersky.com\/blog\/no-money-back\/13901\/"},{"hreflang":"fr","url":"https:\/\/www.kaspersky.fr\/blog\/no-money-back\/6631\/"},{"hreflang":"pt-br","url":"https:\/\/www.kaspersky.com.br\/blog\/no-money-back\/7078\/"},{"hreflang":"pl","url":"https:\/\/plblog.kaspersky.com\/no-money-back\/6061\/"},{"hreflang":"de","url":"https:\/\/www.kaspersky.de\/blog\/no-money-back\/9649\/"},{"hreflang":"ja","url":"https:\/\/blog.kaspersky.co.jp\/no-money-back\/13811\/"},{"hreflang":"ru-kz","url":"https:\/\/blog.kaspersky.kz\/no-money-back\/14014\/"},{"hreflang":"en-au","url":"https:\/\/www.kaspersky.com.au\/blog\/no-money-back\/13901\/"},{"hreflang":"en-za","url":"https:\/\/www.kaspersky.co.za\/blog\/no-money-back\/13901\/"}],"acf":[],"banners":"","maintag":{"url":"https:\/\/www.kaspersky.com.tr\/blog\/tag\/arastirma\/","name":"ara\u015ft\u0131rma"},"_links":{"self":[{"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/posts\/2933","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\/522"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/comments?post=2933"}],"version-history":[{"count":2,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/posts\/2933\/revisions"}],"predecessor-version":[{"id":7088,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/posts\/2933\/revisions\/7088"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/media\/2934"}],"wp:attachment":[{"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=2933"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=2933"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kaspersky.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=2933"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}