Uma usebenzisa i-Bizum ukuze ukhokhe ama-akhawunti nabangani, uthenge phakathi kwabantu ngabanye, noma ukhokhe ezitolo, uzofuna ukuhlala uphambi kwemikhonyovu evame kakhulu. Nakuba isevisi iqinile futhi isekelwa amabhange, Iningi lokukhwabanisa lixhaphaza ukunganaki nokuxhamazela kwabasebenzisi., hhayi amaphutha obuchwepheshe. Lapha uzothola izimpawu eziyisixwayiso, izibonelo zempilo yangempela, izinyathelo zokuvikela, nokuthi yini okufanele uyenze uma usuvele uqoliwe.
Okokuqala, kubalulekile ukucacisa izinto ezibalulekile: Uma ulindele ukuthola imali, asikho isidingo sokuthi ufake imininingwane noma wamukele izicelo.Uma okuthile kungalingani (ucelwa ulwazi, uthola "isicelo" esikhundleni sediphozi, noma unxuswa ukuba wenze okuthile), sola. Ngomqondo ophusile kanye nezeluleko ezifanele, uzogwema ukudumala futhi uvikele izimali zakho.
I-Bizum iphephile: lapho ubungozi bangempela bukhona
U-Bizum wazalwa ethobela imithetho yokukhokha yaseYurophu naseSpain futhi namuhla ulandela indinganiso ye-PSD2, okusho ukuthi Ukuqinisekiswa Kwekhasimende Okuqinile (i-SCA) kanye nokuqinisekiswa kwezinto ezimbili Noma nini lapho kufanele. Ukuqinisekiswa komsebenzisi kwenziwa yibhange lakho, lisebenzisa izinqubo zalo: uhlelo lokusebenza olusemthethweni, i-SMS, i-biometrics, i-PIN, njll.
Pho kungani kukhona imikhonyovu? Ngoba, ngokusebenza, Izigebengu “zisunduza” isisulu ukuba senze iphutha: Ukunikeza ulwazi ngefoni, ukuchofoza izixhumanisi ezingamanga, noma ukugunyaza isicelo sokukhokha ukholelwa ukuthi yinkokhelo engenayo. Lokhu akukona ukugebenga kwesistimu okuyinkimbinkimbi; ubunjiniyela bezenhlalo.
Kunini lapho kufanele uxwaye okwenziwa yi-Bizum
Uma bezokuthumela imali, khumbula lokho akumele ufake imininingwane yakhoUma ungenayo i-Bizum evuliwe, ukubhaliswa kuhlala kwenziwa ngaphakathi kohlelo lokusebenza lwebhange lakho, endaweni evikelekile.
Uma uthola isicelo sokuthumela, thatha imizuzwana embalwa ukusifunda: Ungayinqaba ngohlelo lokusebenza lwasebhange futhi uqinisekise nomunye umuntu ukuthi ukuthumele ngempela futhi ngasiphi isizathu.
Uma okuthile kungahlangani (inkokhelo ongayazi, isaziso esiyinqaba, noma umnyakazo ongaziwa), Vula uhlelo lokusebenza lwebhange lakho futhi ubuyekeze imininingwane yokwenziwe.Uma uqinisekisa ukuthi akulungile, shayela isevisi yamakhasimende ebhange lakho ngokushesha ukuze likuqondise futhi likutshele ukuthi usifaka kanjani isimangalo.
Imikhonyovu evame kakhulu ebandakanya i-Bizum (nokuthi isebenza kanjani)
"Reverse Bizum" ekuthengisweni
Okujwayelekile kakhulu ku amapulatifomu afana ne-Wallapop noma Vinted. Umkhonyovu uthi uyakukhokhela nge-Bizum, kodwa empeleni ikuthumelela isicelo seqoqoUcabanga ukuthi uyayamukela inkokhelo, futhi ngaphandle kokuqaphela, uthumela imali. Isixazululo: funda isaziso ngokucophelela futhi uhlole ukuthi sithi "inkokhelo yamukelwe" noma "isicelo."
Imikhiqizo engekho
Olunye uhlobo lwakudala: isikhangiso esikhangayo ngentengo ezuzisayo esidinga ukukhokhelwa kusengaphambili nge-Bizum. Ngemva kokuyithumela, umthengisi uyanyamalalaUkuze ususe lokhu kubhud, sebenzisa izindlela zokukhokha ezivikelekile, qaphela amadili angenakwenzeka, futhi uhlole isithunzi somthengisi.
Imiklomelo mbumbulu nama-raffle
Uthola i-SMS noma i-imeyili ekhombisa ukuthi "unqobile." Isixhumanisi sikhomba kuwebhusayithi ecela ulwazi noma efuna inkokhelo ukuze ikhiphe umklomelo. Okubalulekile wukuthola ukushesha kokwenziwa kanye nomongo: Uma ungazange ubambe iqhaza kunoma yimuphi umdwebo, kunuka kabi.Ibhizinisi elisemthethweni alikucindezeli noma licele imali yokuqoqa.
Ukuzenza ongeyena kwezikhungo (TGSS, Treasury, Post Office, njll.)
Izingcingo nemilayezo ethi ivela ku-Social Security noma amanye ama-ejensi, ememezela ukubuyiselwa kwemali, yandile. Indali iyisaziso esiyiqiniso isicelo sokukhokha nge-BizumUma wamukela, inkokhiso izocutshungulwa ngokushesha. Ama-ejensi asemthethweni ngeke akhiphe imbuyiselo nge-Bizum noma akucele ulwazi olubucayi ngomlayezo wombhalo noma ngocingo.
Imikhonyovu ngemiyalezo kanye nezinkundla zokuxhumana
Bazenza umuntu abamaziyo bese bebatshela ukuthi bakuthumelele imali ngephutha; bakucela ukuthi "uyibuyisele" nge-Bizum. Ngokuvamile kukhona abakhwabanisi nabo Ukwebiwa kobunikazi ku-akhawunti yoxhumana naye. Sicela uqinisekise ngenye indlela (shayela) ngaphambi kokuhambisa i-euro.
Imikhonyovu yomsebenzi kanye nezifundo zomgunyathi
Bathembisa izinqubo ezicacile noma izinqubo, noma ukuqeqeshwa okunesikhundla esiqinisekisiwe, futhi bacele "izinkokhelo" nge-Bizum. Uma ukhokha, ayikho isevisi yangempela ngemuva. Ngaso sonke isikhathi funa ulwazi olungaqinisekiswa futhi usule izinqubomgomo zokubuyiselwa kwemali.
Vishing: ukukhwabanisa kwefoni okuxuba izwi ne-inthanethi
- Izingwegwe ezijwayelekile: isaziso sokubuyiselwa imali yesondlo sokubeletha/yengane, umsebenzi osolisayo, umklomelo wentela.
- Umshini: Bazenza ibhange lakho noma i-Social Security; uma isikhathi sifika, bakuthumela isicelo se-Bizum esifihlekile.
- Ukuvikela: Ungasilandeli isixhumanisi noma ushayele inombolo ye-SMS; dlula eziteshini ezisemthethweni zenhlangano yakho.
Ihhovisi le-Internet Security Office (OSI) kanye namaqembu obugebengu be-inthanethi baye baxwayisa ngalolu hlobo lokuhlasela. Iphethini evamile icacile: Ungalokothi wabelane ngemininingwane noma amakhodi ngocingo, noma bekucindezela.
Ukuthenga ku-inthanethi okuhlakaniphile: ungakugwema kanjani ukukhwabanisa
Thenga kuphela kumasayithi athembekile anoxhumo oluvikelekile: bheka okuthi “https” kanye ne-padlock kubha yesiphequluliQaphela izitolo ezisanda kwakhiwa ngaphandle kokubuyekezwa okuqinisekiswayo.
Uma ukunikezwa kubonakala kungaphandle kwalo mhlaba, mhlawumbe kunjalo. Gwema izixhumanisi ezinkundleni zokuxhumana ezikuholela kuma-clones kusuka kumawebhusayithi aziwayo; kungcono ukuthayipha ikheli noma usebenzise amabhukumaka.
Funda incazelo yomkhiqizo kanye negama lomthengisi ngokucophelela, futhi uma kungenzeka, hlola ukubuyekezwa nezinqubomgomo zokubuyiselaEkuthengisweni okuyimfihlo, nciphisa ukuvezwa: ukheshi ekulethweni noma ezinkundleni ze-escrow.
Izinyathelo zokuphepha: ukulungiswa kanye nemikhuba ehamba phambili
Beka imingcele futhi uyazi. E-Bizum, ngokuvamile, Ubuncane bokuthenga ngakunye ngu-€0,50 kanti umkhawulo ngokuvamile u-€1.000.Amabhange amaningi abeka imikhawulo ehlanganisiwe, isibonelo, €2.000 ngosuku kanye no-€5.000 ngenyanga ukuze kudluliselwe imali, kanye nenani eliphakeme lemisebenzi engenayo engu-60 ngenyanga. Le mikhawulo ingahluka ngebhange.
Yenza kusebenze futhi uhloniphe ukuqinisekiswa kwezinto ezimbili. I-PSD2 idinga ukuqinisekiswa okuphindwe kabili (SCA) futhi ibhange lakho lisebenzisa lezi zilawuli. Zisebenzise: ukukhiya kweselula okuzenzakalelayo, izigxivizo zeminwe, ukubona ubuso, noma iphinikhodi eqinile.
Qinisa amaphasiwedi akho futhi ungawasebenzisi futhi. Isiphathi sephasiwedi sikusiza ukuthi udale izihluthulelo eziyingqayizivele neziyinkimbinkimbi okwebhange, i-imeyili, kanye nezinkundla zokuxhumana. Akekho (ngisho nebhange) okufanele akucele iphasiwedi yakho egcwele.
Vikela idatha yakho: Ungabelani ngolwazi lomuntu siqu noma lwezezimali ngekholi, i-SMS, noma ama-imeyili. Ungalandeli izixhumanisi ezingaqinisekisiwe. Gcina ifoni yakho ivuselelwe futhi ivikelekile kuhlelo olungayilungele ikhompuyutha.
Ngaphambi kokuqinisekisa noma yikuphi ukuhlinzwa, funda i-SMS/isaziso ngokucophelelaUma kuyisicelo sokuthumela, inani, umqondo, kanye nesizathu kufanele kufane.
Ungawubona kanjani umzamo wokukhwabanisa oshisayo
Qinisekisa umthumeli. Uma uthola i-Bizum kumuntu ongaziwa, hlola inombolo. Uma ungamazi lowo muntu, Ungabuyiseli ngaphandle kokuqinisekisa ngesinye isiteshi.
Funda imilayezo "ephuthumayo" ngokucophelela. Ibhange lakho noma i-Bizum ngeke ikucele yona. inombolo ye-akhawunti, amaphasiwedi, i-SMS eyodwa noma ikhadi ngocingo noma ngomlayezo. Qaphela ukuphuthuma kanye nokukhwabanisa ngokomzwelo.
Hlola imininingwane yokwenziwayo: ubani othumelayo noma ocelayo, inani eliqondile nomqondo. Hlola umlando wakho wamabhange kuhlelo lokusebenza ukuze uqinisekise.
Qaphela izicelo ezingavamile: izinkokhelo kusengaphambili, izimbuyiselo eziqondile, abathengisi abaphikelela ngokweqile, noma izinguquko zomzuzu wokugcina endleleni yakho yokukhokha. Uma iphunga elingavamile, yiyeke. nokuqhathanisa.
Amaphutha ajwayelekile ongawagwema ngemizuzwana
Ukugcina inombolo yomamukeli encwadini yakho yamakheli kugwema ukudideka. Ukukopisha nokunamathisela kusuka kunombolo yocingo engaziwa Yindawo yokuzalanisa amaphutha. Yabela kangcono igama futhi ugweme ukushintsha amadijithi.
Faka nomqondo ocacile emisebenzini yakho ye-Bizum (kufika ezinhlamvu ezingu-35). Ngale ndlela, uma ubuyekeza ukuthengiselana, Uyobona shazi ukuthi inkokhelo ibimayelana nani futhi uzobona okudidayo.
Ngemva kokukhokha noma ukwamukela imali, vula i-akhawunti yakho yasebhange futhi uqinisekise ukuthi okwenziwayo kulungile. Isibuyekezo semizuzwana eyi-10 Kukusindisa ekhanda uma kukhona okungacutshungulwanga ngendlela.
Okufanele ukwenze uma uke waba yisisulu somkhonyovu
Thatha isinyathelo ngokushesha. Into yokuqala xhumana nebhange lakhoChaza icala bese ucela izinyathelo zokuzivikela (amabhlogo, izexwayiso, amasheke okufinyelela). Buza ukuthi banazo yini izimiso noma ukuvikela ukukhwabanisa.
Bika isigameko ku-Bizum ngebhange lakho. Nakuba inkokhelo Ayibuyiseleki emuva endaweni yesikhulumi, ukunyakaza kuyarekhodwa futhi lokhu kulandeleka kusiza ngophenyo.
Bika isigameko ku-State Security Forces (FCSE) futhi, uma idatha yakho yomuntu siqu idaluliwe, yazisa i-Spanish Data Protection Agency. Nikeza ngakho konke onakho: Inombolo yocingo yomkhohlisi, iphimbo, indawo okucatshangwayo nanoma yimiphi eminye imininingwane.
Qoqa ubufakazi: Gcina izingxoxo eziphelele, izithombe-skrini, ama-imeyili, i-SMS, namarisidi. Ungazisusi izingxoxo; singafaniswa enkantolo.
Ukuhlolwa kochwepheshe kanye nombiko wochwepheshe: uma kuthakaselwe wena
Ezinqubweni eziyinkimbinkimbi noma lapho ufuna ukukhulisa izinketho zokuthola kabusha, a Uchwepheshe Wekhompyutha ingalandelela izinyathelo zedijithali, ifakazele indlela esetshenzisiwe (ubugebengu bokweba imininingwane ebucayi, ukukhohlisa, ukuzenza ongeyena) futhi ihlanganise ubufakazi bobuchwepheshe.
Un Ungoti Wezomnotho Ihlinzeka ngokuhlaziywa kokugeleza kanye nokuhlolwa kokulimala komnotho, okuwusizo ekukhwabaniseni kwamabhange kanye nemikhonyovu ehleliwe. Bobabili ochwepheshe bangakwazi khipha Umbiko Wochwepheshe osemthethweni ukuphelezela isikhalazo kanye nenqubo.
Imibuzo ebuzwa njalo
Ingabe inkokhelo ye-Bizum ingakhanselwa ngemva kokuthunyelwa?
Cha. I-Bizum isebenza ngesikhathi sangempela futhi, uma isigunyaziwe, Ayikhanseki ohlelweni lokusebenzaUma kuwubugebengu, thatha isinyathelo ngokushesha nebhange lakho futhi ukubike.
Ngithumele imali ngephutha, ngiyithola kanjani?
Ayikho inkinobho "khansela". Zama xhumana nomamukeli futhi ucele ukubuyiselwa imaliIbhange lakho lingalamula, kodwa kuya ngezifiso zomamukeli kanye/noma inqubo yezomthetho.
Ngibekwe icala lokukhwabanisa, yiziphi izinyathelo engizithathayo?
Kubike ebhange lakho futhi uchazele ukuthi kuwumsebenzi womgunyathi. Kuye icala kanye medium, ungakwazi phikisa izindleko zekhadi noma uvule isimangaloNgesikhathi esifanayo, faka isikhalo emaphoyiseni.
Ngithole i-Bizum kumuntu engingamazi
Ungayisusi noma uyichithe. Kungaba iphutha noma ingxenye yohlelo. Xhumana nebhange lakho bese ulinda imiyalelo.Ukudlulisela imali ngaphandle kokuqinisekisa kungakufaka enkingeni yezomthetho.
Iyini imikhawulo ye-Bizum?
Ngokuvamile, Ubuncane obungu-€0,50 kanye nobukhulu obungu-€1.000 ngomsebenzi ngamunye, imikhawulo yokuthumela yansuku zonke nenyanga (isb., €2.000/ngosuku kanye ne-€5.000/ngenyanga), kanye nenani eliphezulu lemisebenzi etholiwe (isb., 60/ngenyanga). Lokhu kungahluka ngesikhungo.
Ubuchwepheshe buphephile, kodwa isixhumanisi esibuthakathaka ngokuvamile esomuntu: Funda lokho ovumelana nakho, qinisekisa ubunikazi, futhi uthathe isikhathi sakho.Ngale mihlahlandlela, uzonciphisa ubungozi futhi wazi ukuthi kufanele usabele kanjani uma kukhona okungahambi kahle.
