{"id":9857,"date":"2017-03-31T09:40:00","date_gmt":"2017-03-31T07:40:00","guid":{"rendered":"https:\/\/ihs.com.tr\/blog\/?p=9857"},"modified":"2017-03-31T09:40:00","modified_gmt":"2017-03-31T07:40:00","slug":"fraud-kontrol-nedir-ne-ise-yarar","status":"publish","type":"post","link":"https:\/\/www.ihs.com.tr\/blog\/fraud-kontrol-nedir-ne-ise-yarar\/","title":{"rendered":"Fraud Kontrol Nedir? Ne \u0130\u015fe Yarar?"},"content":{"rendered":"<p><span style=\"font-size: 14pt;\">\u00c7a\u011f\u0131n y\u00fckselen de\u011ferlerinden biri de <strong>e-ticaret<\/strong>, yani online al\u0131\u015fveri\u015f. Hi\u00e7bir yere gitmeden her \u015feye sahip olmay\u0131 sa\u011flayan bu uygulama, geleneksel al\u0131\u015fveri\u015fin taht\u0131n\u0131 ciddi bi\u00e7imde sall\u0131yor. Ancak konu e-ticaret olunca hem firma sahiplerini hem de <strong>internetten al\u0131\u015fveri\u015f<\/strong> yapan kullan\u0131c\u0131lar\u0131 ortak bir korku da sarm\u0131yor de\u011fil. Korkunun ad\u0131 ise fraud. Peki, en basit haliyle <strong>fraud nedir<\/strong>?<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">Online al\u0131\u015fveri\u015fte kullan\u0131lan kredi kart\u0131 bilgilerinin k\u00f6t\u00fc niyetli ki\u015filer taraf\u0131ndan kopyalanmas\u0131 durumunu anlatan <strong>fraud, <\/strong>di\u011fer ad\u0131yla <strong>sahtecilik<\/strong>, bir\u00e7ok e-ticaret sitesinin ve kullan\u0131c\u0131n\u0131n s\u0131k s\u0131k ba\u015f\u0131na geliyor. \u00d6zellikle piyasaya yeni dahil olmu\u015f ve hen\u00fcz g\u00fcvenli al\u0131\u015fveri\u015f konusunda t\u00fcm gereklilikleri yerine getirmemi\u015f e-ticaret siteleri, bu konuda ba\u015f\u0131 en \u00e7ok ba\u015f\u0131 a\u011fr\u0131yanlar grubunu olu\u015fturuyor.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><strong>Fraud Nas\u0131l Yap\u0131l\u0131yor?<\/strong><\/span><\/p>\n<p><span style=\"font-size: 14pt;\">Bir online e-ticaret sitesinden al\u0131\u015fveri\u015f yapmak i\u00e7in kredi kart\u0131 bilgilerinizi ve di\u011fer bilgilerinizi girdi\u011finizde k\u00f6t\u00fc niyetli yaz\u0131l\u0131mlar ve sahtecilikte uzmanla\u015fm\u0131\u015f yaz\u0131l\u0131mc\u0131lar, bu bilgileri kopyal\u0131yor. Kullan\u0131c\u0131lar\u0131n ve e-ticaret sitelerinin haberi olmadan yap\u0131lan bu i\u015flemin ard\u0131ndan \u00e7al\u0131nan kart bilgileriyle al\u0131\u015fveri\u015f yap\u0131l\u0131yor ya da hesaptan para transferi ger\u00e7ekle\u015ftiriliyor. Siz de ay sonunda ekstreniz geldi\u011finde d\u00fcnyan\u0131n farkl\u0131 \u00fclkelerindeki farkl\u0131 ma\u011fazalardan al\u0131\u015fveri\u015f yapt\u0131\u011f\u0131n\u0131z\u0131 ama hala giyecek hi\u00e7 k\u0131yafetiniz olmad\u0131\u011f\u0131n\u0131 fark ediyorsunuz.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><strong>Fraud kontrol<\/strong> denen kavram da bu sahtecili\u011fin \u00f6n\u00fcne ge\u00e7mek ya da en az\u0131ndan riski en aza indirmek i\u00e7in al\u0131nan \u00f6nlemlerin tamam\u0131n\u0131 kar\u015f\u0131l\u0131yor. Peki <strong>fraud kontrol y\u00f6ntemleri<\/strong> nelerdir?<\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><strong>Fraud Kontrol Y\u00f6ntemleri Nelerdir?<\/strong><\/span><\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-9858 size-full\" src=\"https:\/\/www.ihs.com.tr\/blog\/wp-content\/uploads\/2017\/03\/Fraud-Kontrol-Yontemleri-Nelerdir.jpg\" alt=\"Fraud-Kontrol-Yontemleri-Nelerdir\" width=\"1000\" height=\"667\" srcset=\"https:\/\/www.ihs.com.tr\/blog\/wp-content\/uploads\/2017\/03\/Fraud-Kontrol-Yontemleri-Nelerdir.jpg 1000w, https:\/\/www.ihs.com.tr\/blog\/wp-content\/uploads\/2017\/03\/Fraud-Kontrol-Yontemleri-Nelerdir-300x200.jpg 300w, https:\/\/www.ihs.com.tr\/blog\/wp-content\/uploads\/2017\/03\/Fraud-Kontrol-Yontemleri-Nelerdir-585x390.jpg 585w, https:\/\/www.ihs.com.tr\/blog\/wp-content\/uploads\/2017\/03\/Fraud-Kontrol-Yontemleri-Nelerdir-263x175.jpg 263w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<p><span style=\"font-size: 14pt;\"><strong>Sahtecilik<\/strong> faaliyetlerini tamamen \u00f6nlemek ya da minimum seviyeye indirmek i\u00e7in yap\u0131labilecek belli ba\u015fl\u0131 uygulamalar\u0131 \u015f\u00f6yle s\u0131ralamak m\u00fcmk\u00fcn:<\/span><\/p>\n<ul>\n<li><span style=\"font-size: 14pt;\">Kartlar\u0131n arkas\u0131nda bulunan CVV\/CVC29 g\u00fcvenlik kodunu kopyalamak pek m\u00fcmk\u00fcn olmad\u0131\u011f\u0131 i\u00e7in internet \u00fczerinden yap\u0131lacak \u00f6deme i\u015flemlerinde al\u0131c\u0131lar\u0131n bu kodu sorgulamas\u0131 gerekir.<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">\u00d6deme yap\u0131lan ba\u011flant\u0131n\u0131n ge\u00e7erli bir IP olup olmad\u0131\u011f\u0131 kontrol edilebilir, domain adresinin tespit edilmesi ve beklenmeyen durumlarda bankadan bilgi talep edilmesi, \u00f6deme alan firmalar i\u00e7in \u00f6nemli bir ad\u0131m.<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">E-ticaret firmalar\u0131n\u0131n \u00fcr\u00fcnler ya da \u00f6deme miktar\u0131 i\u00e7in g\u00fcnl\u00fck \u00fcst limit belirlemesi de <strong>fraud kontrol ad\u0131mlar\u0131<\/strong> aras\u0131nda yer al\u0131r.<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">\u00d6deme esnas\u0131nda kart bilgileri, kart numaras\u0131 ya da son kullan\u0131m tarihi gibi bilgilerin 2 defadan fazla girilmesi durumunda karta bloke koyulabilir.<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">\u00d6deme alan ve \u00fcr\u00fcn ya da hizmet teslim eden firmalar\u0131n yapabilece\u011fi <strong>fraud kontrol uygulamalar\u0131ndan<\/strong> biri de teslim a\u015famas\u0131nda kimlik talep etmeleri. Kimlik kart\u0131 ibraz\u0131 a\u015famas\u0131nda \u00fcr\u00fcn\u00fc teslim alan ki\u015fiyle \u00f6deme yapan ki\u015finin bilgilerinin ayn\u0131 olup olmad\u0131\u011f\u0131 kontrol edilebilir.<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Ayn\u0131 \u015fekilde \u00f6deme yap\u0131lmadan \u00f6nce ki\u015fisel bilgilerin girilmesi istenilmelidir. Burada g\u00fcvenilir olmayan sitelerden al\u0131nan mail adreslerine dikkat etmek \u00f6nemli.<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">\u015e\u00fcphe \u00e7ekecek miktarda al\u0131\u015fveri\u015f yap\u0131ld\u0131ysa teyit amac\u0131yla telefonla kart sahibine ula\u015f\u0131lmal\u0131 ve i\u015flem onay\u0131 al\u0131nmal\u0131.<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Ayn\u0131 kart ya da kullan\u0131c\u0131dan arka arkaya sipari\u015fler al\u0131nmas\u0131 durumunda kart sahibiyle i\u015flem sahibinin ayn\u0131 ki\u015fi oldu\u011fu teyit edilmeli.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: 14pt;\"><strong>\u0130HS Kurumsal\u2019dan Finansal Doland\u0131r\u0131c\u0131l\u0131kla M\u00fccadelede Y\u00fcksek Standart<\/strong><\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\u00d6zellikle finans kurulu\u015flar\u0131n\u0131n milyonlarca m\u00fc\u015fterisi bulunuyor. Fraud tehlikesi de en \u00e7ok bu kurumlar\u0131n ba\u015f\u0131n\u0131 a\u011fr\u0131t\u0131yor. <strong>\u0130HS Kurumsal\u2019\u0131n<\/strong> sundu\u011fu <a href=\"https:\/\/www.ihsteknoloji.com\/trusteer-finansal-fraud\/\" target=\"_blank\">Trusteer<\/a> ise \u00e7ok katmanl\u0131 mimarisi sayesinde internet ve mobil bankac\u0131l\u0131k kanallar\u0131ndan yap\u0131labilecek doland\u0131r\u0131c\u0131l\u0131klara kar\u015f\u0131 \u00f6nlem sunuyor.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\u00c7evrimi\u00e7i bankac\u0131l\u0131k ve kullan\u0131c\u0131 cihazlar\u0131 aras\u0131nda \u00e7ok katmanl\u0131 koruma teknolojisi sa\u011flayan <strong>Trusteer<\/strong>, yerel mevzuatlar\u0131n gerektirdi\u011fi kriterlere uyma imkan\u0131 da veriyor.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><strong>\u0130nternet bankac\u0131l\u0131\u011f\u0131<\/strong> uygulamas\u0131na giri\u015f yapan bir kullan\u0131c\u0131n\u0131n cihaz\u0131nda trojan olup olmad\u0131\u011f\u0131n\u0131 ayn\u0131 anda kontrol eden sistem, Windows ve Mac bilgisayarlara trojan bula\u015fmas\u0131n\u0131 \u00f6nledi\u011fi gibi daha \u00f6nce bula\u015fan trojanlar\u0131 da yok ediyor. B\u00f6ylece kredi kart\u0131 h\u0131rs\u0131zl\u0131\u011f\u0131 ve di\u011fer veri h\u0131rs\u0131zl\u0131klar\u0131na kar\u015f\u0131 koruma sa\u011fl\u0131yor. <strong>Fraud kontrolle<\/strong> koruma sa\u011flayan kurumlar da g\u00fcvenli al\u0131\u015fveri\u015f olana\u011f\u0131 sa\u011fl\u0131yor.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00c7a\u011f\u0131n y\u00fckselen de\u011ferlerinden biri de e-ticaret, yani online al\u0131\u015fveri\u015f. Hi\u00e7bir yere gitmeden her \u015feye sahip olmay\u0131 sa\u011flayan bu uygulama, geleneksel al\u0131\u015fveri\u015fin taht\u0131n\u0131&hellip;<\/p>\n","protected":false},"author":3,"featured_media":9859,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[390,74],"tags":[],"class_list":["post-9857","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kurumsal","category-makaleler"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.ihs.com.tr\/blog\/wp-json\/wp\/v2\/posts\/9857","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ihs.com.tr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ihs.com.tr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ihs.com.tr\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ihs.com.tr\/blog\/wp-json\/wp\/v2\/comments?post=9857"}],"version-history":[{"count":3,"href":"https:\/\/www.ihs.com.tr\/blog\/wp-json\/wp\/v2\/posts\/9857\/revisions"}],"predecessor-version":[{"id":9871,"href":"https:\/\/www.ihs.com.tr\/blog\/wp-json\/wp\/v2\/posts\/9857\/revisions\/9871"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ihs.com.tr\/blog\/wp-json\/wp\/v2\/media\/9859"}],"wp:attachment":[{"href":"https:\/\/www.ihs.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=9857"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ihs.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=9857"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ihs.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=9857"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}