What is ATM Skimming? How To Remain Safe From This Fraud?

Dosto kuch days ke doran Pakistan me bohat se skimmers ATM Skimming jese galat kam krte hue arrest hue hain, jinho ne bohat se logo kay ATM card ki details ko chori krliya tha aur wo us se faida utha rhe they, Lekin ek aam admi ke liye ye samjhna mushkil hay ke ye ATM Skimming kia hay? aur wo apne card ki details ko chori hone se kese bacha skte hain ? isi bat ko dekthe hue is article me, mey apko batane wala hun ke ATM kis tarah kam krti hay,ATM skimming kia hay (What is ATM Skimming) aur kis tarah se ye skimmers kisi kay bhi card ki details ko chori krke faida utha skte hain.

ATM Skimming
ATM Skimming

ATM Skimming ko samjhne se pehle apko ko samjhna hoga ke ATM kia hay aur ye kis tarah kam krti hay.

How ATM Works:

ATM jis ki full form hay “Automated Teller Machine”, ye ek aisi machine hoti hay jo hame ek basic banking facility provide krti hay. Is machine ko isitmal krne ke liye hame ek card ki zarorat hoti hay jisko ham ATM card bhi kehte hain. Is ATM card kay back per ek magnetic strip hoti hay jis me card ki tamam details jese account number aur authentication code wagera store hote hain. Jab ap apne card ko ATM me insert krte hain to ATM ka card reader apki us magnetic strip se card ka account number aur auth code wagera extract krta hay,phir ap apna pin code enter krte hain aur phir ye tamam details apke bank server per bhji jati hain jahan se verification ke bad ap ATM se koi bhi transaction krskte hain.

Ap me se bohat sare log ye sochte honge ke ATM se jab ap paisay nikaltay hain to ATM me paisay kahan se atey hain? To basically ATM ke andar ek tarah ki trays hoti hain jin me alag alag notes ko tarteeb ke lihaz se rkha jata hay aur phir ek system hota ha jo in notes ko alag alag trays se transaction ke waqt nikal deta hay. Transaction ke bad apko ek bill milta hay aur apke bank account me apka status update hojata hay aur yahan per apki ATM ka kam khatam hojata hay.

Ye to tha ke ATM kis tarah se kam krti hay. Ab ham bat krte hain ke ATM Skimming kia ha? aur skimmers is se kis tarah faida uthate hain?

What is ATM Skimming and How Skimmers Steal Your Details:

ATM Skimming ek aisa tarika hota hay jis me ek tarah ki device jis ko skimming device bhi kaha jata hay ke zariye ATM card ki magnetic strip per mojud account number aur auth code ko hasil kia jata hay. Actually ye skimming device jo ek ATM ke card reader ki tarah hi nazar ati hay, is device ko ATM ke card reader ke uper is tarah laga dia jata hay ke bazahir aisa nh lagta ke koi nakli card reader uper laga hua hay. Ab jab ek aam admi apna card ATM ke card reader me lagata hay to pehle us ka card skimming device se pass hota aur us ke bad ATM ke asli card reader se pass hota hay. Skimming device se jese hi card pass hota hay to skimming device us card ki magnetic strip se account number wagera extract krke apne pas store krleta hay ya wirelessly skimmer ke device per send krdeta hay. Ek aam admi ko is cheez ka bilkul bhi pata nh chalta q ke transaction per koi farq nh parta balke transaction wese hi hoti hay jese normally hoti hay, q kay skimming device transaction nh rokta balke sirf card ki details ko chori krlete hay. Ab card ki PIN code ko hasil krne ke liye skimmers ATM ke uper chote se cameras lagadeta hain jis se us shaks ki PIN code dalte hue waqt ki video record hojati hay. Isi tarah aisa bhi hota hay ke ATM kay original keypad ke uper ek naqli keypad lagadia jata hay. Naqli keypad PIN code dalte waqt usko store krleta hay aur skimmer ko pin code bhi pata chal jata hay.
Ab apki transaction bhi hogaye aur apko ap ka ATM card bhi mil gaya lekin ab apka account number aur pin code dono us skimmer ko pata chal gaye hain to wo ab ap ki is detail ko use krte hue ek naqli card bana skta hay jo apke account se hi connect hoga.

How to Remain Safe from ATM Skimming?

Apne ap ko is fraud se bachana wese to itna asan nh lekin kuch sahi knowledge ki bina per ap apne ap ko is fraud se bacha skte hay.

1-Apna card ATM me lagane se pehle ATM card reader ka jaiza len/us ko hila kr dekhen, agar wo hile ya uska color apko ATM se bilkul hi alag nazar ae to chances hain ke ye ek Skimming device hay.

2-ATM ke uper dekhen ke koi camera wagera to nh laga hua jis se ap ka password record hoskta hay.

3-Isi tarah dekhen ke keypad ke button pres krne me koi mushkil to pesh nh arhi agar arhi hay to chances hain ke ye ek naqli keypad hay.

4-Isi tarah pin code dalte waqt koshihs krke apna hath uper rkh len take agar koi hidden camera laga bhi hua hay to usme apka pin code nazar nh ae.

Conclusion:

USA, UK aur dusre eurpion countries me to is fraud se bachne ke liye ek new technology introduced bhi hogai hay jis me ATM card me magnetic strip ke sath sath ek computer chip bhi lagi hoti hay aur computer chip har transaction per ek unique number generate krti hay isliye agar koi skimmer ye number chori kr bhi leta hay to koi faida nh. Behraal Pakistan me bhi state bank of Pakistan ne 2017 ke akhir tak tamam banks ko chip wale ATM card issue krne ka order de diya tha so ap bhi koshish krke apne bank se chip wale card hi issue karwae agar apke bank me ye technology mojud hay.

So I hope apko ye article pasand aya hoga is article ko apne dosto, family members ke sath share karen

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About Hasnain Abid Khanzada

Meet Hasnain, A Young and Talented Guy Who is a Blogger, Web Developer and More Importantly a Passionate Learner. You can follow ODosta for more of his updates.

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