IS IT SAFE TRANSACTIONS USING DEBIT CARDS AND CREDIT CARDS

In the mid-year 2010 Indonesia has a case of burglary and abuse of debit cards and credit cards of more than 3800 cases. That's according to the report listed in the community who feel drawn to the deliberate (on theft and theft). Actually there are very many people who lost their money but because of the number and nominal very few (maybe they expect) between 25-100 thousand dollars more but less than 300 thousand dollars.

Number of community and lack of strong transaction security in Indonesia banking system is a major factor in some cases. Actually there are very many cases like this occur in countries with developed and developing countries around the world, but they make banking transaction security is the top priority once the case finally jour happens. In contrast to conditions in underdeveloped countries or are still in developing stage.

CREDIT CARD
As a means of compensation payments.
Credit cards can be used as a tool instead of payment, so we do not have to carry much cash, which can risk missing or fall on the road. If we carefully, it's really a credit card can be useful because we seemed to get double pay, for a new credit card bill is paid the following month.

As a backup.
Credit cards can also be used as a reserve for unexpected needs, such as if suddenly there was a family who is sick and needs hospitalization, then the advance payment made to use a credit card, this is not troublesome than if we had to go to the ATM first, or dilute money in the bank.

Helping make payments on household bills.
In the credit card bill is one facility, meaning we can ask the credit card issuing bank to pay the bills at once on account of: electricity, bill telecom / mobile phone, PAM bills, internet bills and other bills with the knowledge instance who issued the charge. Thus, every month we are not preoccupied with paying to several agencies, but the payment can be done at once via credit card, direct debit conducted each month.

Of the several purposes above, then the use of credit cards should be done carefully so we do not get stuck in spending money unnecessarily. With a variety of its simplicity, and the lure of the many forms and brochures are sent by the credit card issuer, if not careful, then we will easily owe that will eventually make it difficult for payment.

Credit cards are loans with high risk, so that the Bank provides high rates, for example:

Bank A) Payment of a minimum of 10% of the total bill or 50.000, - whichever is greater. b). 1.255% per month interest will be calculated on daily outstanding balance starting from the date of a transaction. Great rates may change at any time. Interest charged if not paid in full or paid after the due date passed.

Bank B) where the minimum payment is the greater of 50,000 - or 10% of the total bill. b). Interest 3.50% per month or 42% per year. Interest charged if paying less than the total bill, or pay after the due date, calculated on daily balance after the transaction date. Interest rates applicable are listed on the billing sheet that will be charged interest on the next Billing.

Given the high interest rates charged to credit card holders who do not pay the full bill, you should use a credit card in accordance with the financial plan, and do a full payment before the due date. It can be seen that the delay in payment, will be charged very high interest rate (on Bank B = 42% per year).

If we want to do a transaction with a credit card, make sure that we indeed have plans to buy the goods, and sure to pay off the entire bill before the due date.

DEBIT CARD
Debit cards and ATM cards are special cards provided by the Bank to the account holder that can be used to electronically transact on the account. At the time the card is used in transaction, will directly reduce the funds available in the account. When used for transactions at ATM machines, then the card is known as an ATM card.

But when used for payment transactions and non-cash expenditure by using EDC (Electronic Data Capture), then the card is known as a debit card.

Each cardholder is given PERSONAL IDENTIFICATION NUMBER (PIN) that is confidential for security and authorization transaction.

For debit cards, jams authorization with a PIN, it is also possible authorization with signature such as credit cards. Limit (limit) debit card transactions and ATM card depends on the type of card that my friends have. Generally consist of limit the amount and frequency of transactions, whether for cash withdrawals, expenditures, and transfers.


USEFULNESS :
Debit cards and ATM cards are useful as tools to perform banking transactions and obtain information electronically. Types of transactions that are available include:

1. Cash withdrawals
2. Cash deposits
3. Transfer funds
4. Payment
5. Expenditure


TYPES OF TRANSACTIONS THAT WE CAN DO:
balance information and information exchange. Information types of cash transactions and non-cash, pin replacement information internet banking, bill payment and credit purchases and much more we can do with this debit card, we can do pembayarn and purchases without having to take the money in cash in advance to be able to perform transaction. Along with advances in technology, the type of transaction and information available will continue to grow.


PROFIT
The benefit of having an ATM card and Debit card, among others:
Easy, because it does not need to come to the Bank to conduct transactions or obtain information
Safe, because they do not need to carry cash to make transactions at the store shopping Flexible, because the cash withdrawal transactions / purchases via ATM / bank dijaringan EDC can be done alone, local networks and international networks.
Freely, because it can transact any time despite holiday.

Meaning of Logo on Debit Card and ATM Card
Logo listed on the card indicates that the card has access to the network contained the same logo. Network include:

1. Local Network: Link, ALTO, ATM , PRIMA
2. Network International: Cirrus, Maestro, Mastercard Electronic, VISA Plus, VISA
ELECTRO

COST
Generally, banks will charge a fee for use of the card include a monthly administration fee and transaction costs in particular transactions using other networks. Transaction costs imposed by the network via the issuing bank will be different for transactions conducted in local networks and international networks.

Things to note:
If the card is lost or damaged, immediately report to the issuing bank call center
Make sure the card is always under supervision, because it's the same with personal wallet or cash
Make sure the card is not transferable / loaned to another person
Do not put cards near objects that megeluarkan elektomagnetik or above the hot object
Do not tell your PIN to others because of personal and confidential
Error entering PIN repeatedly will lead to an ATM machine swallowed the card or blocked
Ask my friends about the bank's costs and limit (limit) transaction
Save the transaction slip to my friends to make sure the transaction is not problematic

Skimming which cost the lives of bank customers in Indonesia and other countries in the world does not use sophisticated technology. With simple tools and tricks, thieves easily retrieve all customer assets.

The simplicity of this mode was revealed by Dan DeFelippi, a former identity thief customers debit cards and credit cards. Now DeFelippe has insyaf after police arrested the U.S. in 2003 and is now working with law enforcement agencies to dismantle the network of evil on the internet.

DeFelippe states, to steal credit card owner's identity, he simply buy credit card numbers. You can give credit card numbers for one dollar, two dollars or three dollars.

Underground website also provides this evil trick. People are actively writing information and actively writing tutorial. You can get a list with ease.

DeFelippi states, people are often confused in front of an ATM machine and thieves know it then blackmailed. If you can plug the camera in the computer and plug a VCR to a TV, you can do the skimming at the ATM. That (Skimming) as simple as that. You can provide the hardware, you have to do everything just connect to it.

Cyber criminals are always looking for every way to steal important information such as credit card data. To counteract the encryption in the transmission of data, malicious program type 'scavengers RAM' even more rapidly adopted.

To prevent credit card data theft, encryption can be applied when transferring data from computers Point-of-Sale at a store to a central server. Encryption is expected to prevent the theft of the information carried on the trip.

However, cyber criminals have found ways to overcome this. Ways that increasingly popular these days is a malicious program called scavengers RAM.

These malicious programs will infiltrate into the target computer and monitor local memory (RAM) on your computer. Data in RAM will not be encrypted because it must be processed by the application. Well, that's plain data being subjected to malicious programs to be sent to the manufacturer. The way it works is selecting and sorting data in RAM that's what makes it named Scavenger RAM.

Wade Baker, an analyst with Verizon Business, said more and more cyber criminals who use the technique in 2009. Data Verizon says there are about 4 percent of cases involving Scavengers RAM than 592 burglary cases they investigated safety since 2004.

Of course, that number is still small compared with the use of malicious types of spyware programs that reach 19 percent or backdoor (18 percent). But the increase that occurred in the past year should be wary.

Scavengers of RAM, according to Baker, is still difficult to detect by antivirus programs. The symptoms that need attention are:

• The Perl script files rdump and weird on your hard drive
• Sudden changes in hard drive space
• The odd thing in the Registry and System Process.


In Indonesia, a number of banks have announced losses due to skimmer action. The details:

BCA: 320 customers compromised by a loss of about USD 9 billion
BNI: 98 clients with a loss of about USD 900 million
BRI: 66 clients with a loss of about USD 100.5 million
MANDIRI 120 clients with a loss of about 569 million
BII 77 clients with a loss of about 70 million


And many more actually, but all that I did not write the data in my writing this with the category of customers who lost money under the 150 thousand dollars, if I record all the number of customers who have experienced theft of money in their savings using the way through fraud and data manipulation debit card or credit card would be very extensive list of names which I will mention.

Transaction e-banking and e-commerce is exciting. Without having to worry about trapped severe traffic congestion, the sale of various goods can we do online. Nevertheless, we must remain vigilant when conducting transactions, including if you use a credit card on the Internet.


THE FOLLOWING TIPS ARE REQUIRED TO YOU UNDERSTAND:

avoid financial or banking transactions using a public computer, to minimize the risk of critical data we secretly recorded by spy programs (spyware) that may have previously installed.

if you use traditional own computer, make sure that your computer has installed the most basic security programs like antivirus or antispyware is always checked and updated regularly

when conducting transactions online at a site, stick with me the site address listed in your browser's address bar, so do not be fooled by a fake site that has an address to the original dimirip-miripkan

a number of trusted sites that will use a special security method is characterized by the words "http" to "https" in the browser address bar and there locked padlock at the bottom right of your browser

before making a payment using a credit card on the Internet, you'll want to ensure and assure reputation, credibility and authenticity of online stores that we are headed in a way to reach either by phone, email or by searching the reference through search engines (googling)

record any financial or banking transactions you do on the Internet and store well for later use when matched with checking account statement or bill your credit card

if you find that there are peculiarities in the checking account or charge your credit card, immediately contact the bank concerned to ask for clarification or even cancellation of your account or your credit card bill or if there are any suspicious use of account

always do the "log off" or "sign out" completely from the site where you do e-banking transactions and so on, because just close your browser does not automatically break the session or connection to your online account

do not easily persuaded to click on all the offers that come from the email that you do not know, was not easy to believe the e-mail requesting you verify the password associated with your account a bank account or credit card.

Nothing wrong with you remove the "cache" in your browser, so the track record of the activities you did before, if any, is not stored on the computer used and change passwords periodically, with the combination that you easily memorized but hard for others to guess

to transact online, use a credit card with the lowest limit, so if something happens that is not desirable then the loss suffered is not too large

store and use credit cards wisely, especially not to 3-digit secret in the back of your credit card is known by someone else!

One characteristic of a skimmer device has been attached is if you do not see the LED glowing light when you insert the card into an ATM machine. It could be seen glowing LED lights not because it is covered by the skimmer.

Beware of the brochure box that may be attached to / near the ATM because the brochure box that could be useful to cover up hidden camera to record the movement of your finger to dial a PIN.

Get used to using the ATM machine closest to the residence / office so that you are familiar with how to operate it and find out quickly if there is any discrepancy.

ATM drive-through is a good target for identity thieves because drivers often feel a rush by other pengantre so as not to give more attention.

Safest ATM is located in the bank or a crowded store people.

Beware if the ATM said "damaged / out of order" so that money can not get out, when you have inserted the card and had to enter a PIN.


NEVER GIVE SPACE AND OPPORTUNITY FOR THE EVENT OF SERIOUS CRIME IN OURSELVES