{"id":415,"date":"2022-12-08T15:25:34","date_gmt":"2022-12-08T15:25:34","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=415"},"modified":"2022-12-09T11:45:17","modified_gmt":"2022-12-09T11:45:17","slug":"uniqa-varuje-pozor-na-rizika-podvodu-pri-vanocnich-on-line-nakupech","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=415","title":{"rendered":"UNIQA: pozor na podvody p\u0159i v\u00e1no\u010dn\u00edch n\u00e1kupech"},"content":{"rendered":"

Podle r\u016fzn\u00fdch pr\u016fzkum\u016f a\u00a0odhad\u016f se aktu\u00e1ln\u011b a\u017e polovina v\u00e1no\u010dn\u00edch d\u00e1rk\u016f po\u0159izuje na internetu. On-line n\u00e1kupy jsou sice pohodln\u00e9, ale hroz\u00ed p\u0159i nich \u0159ada rizik, proto je nam\u00edst\u011b opatrnost. \u010clov\u011bk m\u016f\u017ee narazit na fale\u0161n\u00e9 e-shopy, ale i\u00a0na podvodn\u00edky, kte\u0159\u00ed n\u00e1sledn\u011b vysaj\u00ed pen\u00edze z\u00a0\u00fa\u010dtu.<\/strong><\/p>\n

P\u0159edv\u00e1no\u010dn\u00ed obdob\u00ed je pro internetovou kriminalitu hlavn\u00ed sez\u00f3nou, co\u017e prokazuje i zv\u00fd\u0161en\u00fd po\u010det p\u0159\u00edpad\u016f \u0159e\u0161en\u00fdch kybernetickou asistenc\u00ed UNIQA.<\/p>\n

Internetov\u00fdch podvod\u016f za posledn\u00ed dva roky \u010dty\u0159n\u00e1sobn\u011b p\u0159ibylo a zlod\u011bji \u00fa\u010dt\u016f ukradnou lidem v \u010cesku ro\u010dn\u011b z bank zhruba miliardu korun. Denn\u011b p\u0159ijde letos o pen\u00edze v pr\u016fm\u011bru pades\u00e1t lid\u00ed. To jsou z\u00e1v\u011bry anal\u00fdzy \u010cesk\u00e9 bankovn\u00ed asociace zve\u0159ejn\u011bn\u00e9 letos v\u00a0\u0159\u00edjnu. Ka\u017edop\u00e1dn\u011b lo\u0148sk\u00fd po\u010det registrovan\u00fdch trestn\u00fdch \u010din\u016f v\u00a0kyberprostoru byl v\u00a0\u010cR letos p\u0159ekon\u00e1n u\u017e v\u00a0\u010dervenci a\u00a0rok 2022 tak sp\u011bje k\u00a0dal\u0161\u00edmu ne\u017e\u00e1douc\u00edmu rekordu.<\/p>\n

Podvodn\u00e9 e-shopy l\u00e1kaj\u00ed cenami<\/strong><\/p>\n

Nej\u010dast\u011bj\u0161\u00edmi ud\u00e1lostmi, kter\u00e9 UNIQA s\u00a0klienty okolo V\u00e1noc v\u00a0r\u00e1mci kybernetick\u00e9 asistence \u0159e\u0161\u00ed, jsou p\u0159\u00edpady nedod\u00e1n\u00ed objednan\u00e9ho zbo\u017e\u00ed ve stanoven\u00e9m term\u00ednu, nebo kdy\u017e zbo\u017e\u00ed nen\u00ed doru\u010deno v\u016fbec, anebo z\u00e1kazn\u00edk obdr\u017e\u00ed zbo\u017e\u00ed, kter\u00e9 si neobjednal.<\/p>\n

Lid\u00e9 by si m\u011bli d\u00e1vat pozor i\u00a0na e-shopy s\u00a0n\u00e1padn\u011b v\u00fdhodn\u00fdmi cenami zna\u010dkov\u00e9ho zbo\u017e\u00ed v\u00a0porovn\u00e1n\u00ed s\u00a0jin\u00fdmi. Mohou b\u00fdt fale\u0161n\u00e9: na internetu inzeruj\u00ed jen kr\u00e1tkou dobu, nal\u00e1kaj\u00ed ur\u010dit\u00e9 mno\u017estv\u00ed plat\u00edc\u00edch klient\u016f a\u00a0pot\u00e9 z\u00a0digit\u00e1ln\u00edho prostoru prost\u011b zmiz\u00ed. \u201ePodvodn\u00edci nejen\u017ee jednor\u00e1zov\u011b vyl\u00e1kaj\u00ed od lid\u00ed pen\u00edze, ale shroma\u017e\u010fuj\u00ed i\u00a0jejich osobn\u00ed \u00fadaje \u2013 jm\u00e9no, e-mail, telefon a\u00a0\u00fadaje o\u00a0platebn\u00ed kart\u011b, kterou se n\u00e1sledn\u011b mohou sna\u017eit zneu\u017e\u00edt,\u201c <\/em>varuje p\u0159ed zbrkl\u00fdm n\u00e1kupem Zden\u011bk Hru\u0161ka, mana\u017eer poji\u0161t\u011bn\u00ed majetku a\u00a0odpov\u011bdnosti UNIQA.<\/p>\n

N\u011bkdy se p\u0159itom d\u00e1 podvodn\u00fd e-shop poznat: podle nespr\u00e1vn\u00e9 gramatiky nebo nevhodn\u011b pou\u017eit\u00fdch v\u00fdraz\u016f, ale hlavn\u011b podle absence informac\u00ed o\u00a0provozovateli obchodu a\u00a0chyb\u011bj\u00edc\u00edm kontaktu. Sou\u010dasn\u011b b\u00fdv\u00e1 jedin\u00fd mo\u017en\u00fd zp\u016fsob placen\u00ed platebn\u00ed karta. Typick\u00fdm znakem je i\u00a0chyb\u011bj\u00edc\u00ed standardn\u00ed \u0161ifrov\u00e1n\u00ed komunikace nebo probl\u00e9my s\u00a0elektronick\u00fdm certifik\u00e1tem. Tak\u00e9 platebn\u00ed br\u00e1na nem\u00e1 obvyklou zabezpe\u010denou podobu (3D Secure), kdy platbu autorizuje z\u00e1kazn\u00edk p\u0159es svoji banku.<\/p>\n

Cenn\u00e1 rada: nezn\u00e1te-li e-shop nebo nejste-li si jist\u00ed autenticitou nab\u00eddky, nepla\u0165te n\u00e1kup p\u0159edem, ale na dob\u00edrku. Pokud zbo\u017e\u00ed nep\u0159ijde, nep\u0159ijdete o\u00a0pen\u00edze. Nelze-li koupit zbo\u017e\u00ed jinak ne\u017e okam\u017eitou platbou, rad\u011bji si najd\u011bte jin\u00fd zdroj.<\/p>\n

Jak um\u00ed pomoci poji\u0161t\u011bn\u00ed UNIQA <\/strong><\/p>\n

Pokud u\u017e \u010dlov\u011bk nalet\u011bl a\u00a0stal se ob\u011bt\u00ed podvodu, nebo nen\u00ed opr\u00e1vn\u011bn\u011b spokojen s\u00a0uskute\u010dn\u011bn\u00fdm n\u00e1kupem, lze po\u017e\u00e1dat o\u00a0pomoc z\u00a0p\u0159ipoji\u0161t\u011bn\u00ed kybernetick\u00e9 asistence k\u00a0poji\u0161t\u011bn\u00ed dom\u00e1cnosti. Z\u00a0n\u00ed m\u00e1 klient UNIQA n\u00e1rok na finan\u010dn\u00ed i\u00a0pr\u00e1vn\u00ed pomoc v\u00a0nesn\u00e1z\u00edch. \u201eNepoda\u0159\u00ed-li se spor s\u00a0e-shopem vy\u0159e\u0161it, UNIQA vyplat\u00ed vzniklou \u0161kodu do limitu pln\u011bn\u00ed sjednan\u00e9ho ve smlouv\u011b,\u201c<\/em> vysv\u011btluje Zden\u011bk Hru\u0161ka. \u201ePojistn\u00e1 ochrana klienta se vztahuje i na zahrani\u010dn\u00ed e-shopy, pokud \u0161la nebo m\u011bla j\u00edt dod\u00e1vka zbo\u017e\u00ed z \u00fazem\u00ed \u010dlensk\u00e9ho st\u00e1tu EU.\u201c<\/em><\/p>\n

Zneu\u017eit\u00ed platebn\u00ed karty m\u016f\u017ee znamenat vyluxov\u00e1n\u00ed \u00fa\u010dtu b\u011bhem p\u00e1r minut<\/strong><\/p>\n

Dostane-li se podvodn\u00fd e-shop nebo jin\u00fd podvodn\u00edk k\u00a0\u00fadaj\u016fm platebn\u00ed karty, za\u010dnou okam\u017eit\u011b z\u00a0\u00fa\u010dtu mizet pen\u00edze. Je t\u0159eba kontaktovat banku a\u00a0policii. M\u00e1-li po\u0161kozen\u00fd p\u0159ipoji\u0161t\u011bn\u00ed kybernetick\u00e9 asistence UNIQA, doporu\u010dujeme ji neprodlen\u011b kontaktovat. UNIQA zajist\u00ed pot\u0159ebn\u00e9 pr\u00e1vn\u00ed \u00fakony jak v\u016f\u010di pachateli, tak i\u00a0bance, od kter\u00e9 klient n\u00e1rokuje vr\u00e1cen\u00ed pen\u011bz.<\/p>\n

P\u0159itom se v\u0161ak mus\u00ed potvrdit, \u017ee skute\u010dn\u011b do\u0161lo ke zneu\u017eit\u00ed \u00fadaj\u016f, kdy z\u00e1kazn\u00edk nijak nepochybil, ale narazil na podvodn\u00edky. V\u00a0takov\u00e9m p\u0159\u00edpad\u011b UNIQA hrad\u00ed n\u00e1klady na pr\u00e1vn\u00ed zastoupen\u00ed a\u00a0vyplat\u00ed i\u00a0pojistn\u00e9 pln\u011bn\u00ed za vzniklou \u0161kodu a\u017e do sjednan\u00e9ho limitu.<\/p>\n

Dal\u0161\u00ed aktu\u00e1ln\u011b \u010dast\u00e9 formy podvod\u016f<\/strong><\/p>\n

Velk\u00fdm probl\u00e9mem jsou i\u00a0\u0161kodliv\u00e9 e-maily a\u00a0SMS zpr\u00e1vy, prost\u0159ednictv\u00edm nich\u017e cht\u011bj\u00ed podvodn\u00edci vyl\u00e1kat pen\u00edze nebo se \u201enabouraj\u00ed\u201c do za\u0159\u00edzen\u00ed.<\/p>\n

\u010casto se takov\u00e9 zpr\u00e1vy t\u00fdkaj\u00ed nap\u0159\u00edklad dopravy z\u00e1silek. Fale\u0161n\u00e1 zpr\u00e1va od kur\u00fdra nap\u0159\u00edklad informuje o\u00a0do\u010dasn\u00e9 blokaci bal\u00ed\u010dku a\u00a0po\u017eaduje aktualizaci adresy pro doru\u010den\u00ed v\u00a0p\u0159ilo\u017een\u00e9m linku spolu s\u00a0mal\u00fdm doplatkem, samoz\u0159ejm\u011b s\u00a0vypln\u011bn\u00edm \u00fadaj\u016f z\u00a0platebn\u00ed karty.<\/p>\n

Lid\u00e9 by m\u011bli b\u00fdt opatrn\u00ed i na internetov\u00fdch bazarech. Po\u010dty podvod\u016f pr\u00e1v\u011b tady oproti lo\u0148sku narostly dvojn\u00e1sobn\u011b. Pachatele p\u0159itom chyt\u00ed policie jen v\u00fdjime\u010dn\u011b. \u201ePen\u00edze kon\u010d\u00ed nej\u010dast\u011bji v zahrani\u010d\u00ed. Odes\u00edl\u00e1ny jsou expresn\u00edmi platbami a na druh\u00e9m konci u\u017e \u010dek\u00e1 n\u011bkdo, kdo je okam\u017eit\u011b vybere a zmiz\u00ed. Nebo je p\u0159ev\u00e1d\u00ed do kryptom\u011bnov\u00fdch pen\u011b\u017eenek a odsud na dal\u0161\u00ed \u00fa\u010dty, jejich\u017e majitel\u00e9 jsou nedohledateln\u00ed,\u201c<\/em> popisuje obvykl\u00fd postup z\u00e1stupce hospod\u00e1\u0159sk\u00e9 krimin\u00e1lky. Nejv\u00edce podvod\u016f nyn\u00ed podle policie hroz\u00ed na bazarech Vinted nebo Marketplace od Facebooku. Podvodn\u00edci lidem \u010dasto p\u00ed\u0161\u00ed p\u0159es aplikaci WhatsApp, \u017ee maj\u00ed o zbo\u017e\u00ed z\u00e1jem a \u017ee by cht\u011bli platbu prov\u00e9st z karty na kartu. Prod\u00e1vaj\u00edc\u00ed pak dostane odkaz na platebn\u00ed br\u00e1nu, kde m\u00e1 vyplnit \u00fadaje o sv\u00e9 kart\u011b. V\u0161e vypad\u00e1 velmi \u201eopravdov\u011b\u201c, v\u010detn\u011b log r\u016fzn\u00fdch spole\u010dnost\u00ed, a to i p\u0159epravn\u00edch.<\/p>\n

P\u0159i r\u016fzn\u00fdch podvodn\u00fdch telefon\u00e1tech se pachatel\u00e9 vyd\u00e1vaj\u00ed za bank\u00e9\u0159e, policisty, pracovn\u00edky technick\u00e9 podpory a sna\u017e\u00ed se z lid\u00ed pod vlivem obav vyl\u00e1kat pen\u00edze nebo vzd\u00e1len\u00fd p\u0159\u00edstup do po\u010d\u00edta\u010d\u016f. Podvodn\u00edci nab\u00edzej\u00ed \u010dasto tak\u00e9 r\u016fzn\u00e9 \u201ev\u00fdhodn\u00e9\u201c investice. S\u00e1zej\u00ed p\u0159itom na obavy lid\u00ed ze zdra\u017eov\u00e1n\u00ed a vysok\u00e9 inflace. Vyb\u00edzej\u00ed je, aby sv\u00e9 pen\u00edze nenechali na \u00fa\u010dtech le\u017eet ladem, ale poslali je \u201evyd\u011bl\u00e1vat\u201c.<\/p>\n

\u201ePachatel\u00e9 vyu\u017e\u00edvaj\u00ed internetovou reklamu na soci\u00e1ln\u00edch s\u00edt\u00edch a dal\u0161\u00edch platform\u00e1ch a \u010dasto p\u0159ipravuj\u00ed kvalitn\u011b zpracovan\u00e9 webov\u00e9 str\u00e1nky prezentuj\u00edc\u00ed jejich podvodnou platformu,\u201c<\/em> \u0159\u00edk\u00e1 Jakub Vin\u010d\u00e1lek z\u00a0Policejn\u00edho prezidia.<\/p>\n

\u010ceho se vyvarovat, na co si d\u00e1t pozor
\n<\/strong><\/p>\n