TIPS JANGAN KENA TIPU

TRIBUNNEWS.COM, JAKARTA
Menyambut liburan akhir tahun banyak merek favorit penikmat belanja yang memberikan promosi menggoda. Tak hanya didunia nyata, promosi juga dilakukan pada dunia maya atau internet.
Maraknya merek favorit yang memberikan diskon menggoda di dunia maya, memberikan peluang bagi penjahat cyber untuk melancarkan aksinya. Diperlukan kejelian dalam belanja melalui internet.
Trend Micro, perusahaan keamanan dan cloud security ingin membagikan tips pada Anda agar tidak masuk perangkap penjahat cyber. Menurut Aulia Huriadi, Bisnis Development Manager Trend Micro ada lima tips yang dapat diperhatikan dalam melakukan belanja online agar tetap aman dan nyaman.
- Pertama Bookmark dulu
"Bookmark-lah situs belanja yang resmi sebagai informasi penting saat ingin mencari barang dalam situs tersebut," kata Aulia Huriadi di Jakarta, Kamis (27/12/2012).
Aulia menjelaskan, dengan membookmark situs belanja tersebut akan meminimalisir kemungkinan Anda tertipu dengan situs buatan para peretas jika mencarinya melalui search engine. "Atau Anda bisa mencatat alamat situs resminya dari iklan mereka di media atau informasi terpercaya lainnya," kata Aulia.
- Tips yang kedua, waspadai diskon!
Anda harus berhati-hati dengan ajakan klik untuk kiriman penawaran barang dan diskon besar melalui email. Bisa jadi penawaran melalui email seperti ini membawa link palsu dan attachment yang isinya akan menginfeksi komputer Anda.
"Jika mendapatkan penawaran, tidak ada salahnya Anda mengeceknya dulu melalui telepon ke layanan pelanggan," ujar Aulia.
- Tips Ketiga, Cek dan Ricek!
Hendaklah Anda melakukan cek dan verifikasi kembali jika Anda dikirimi penawaran yang tidak masuk akal melalui social media Anda baik itu Facebook, Line atau Twitter, sebelum meng-klik sebuah link promosi.
- Tips Keempat, Cek Pembayaran
Periksa ulang kembali untuk laman pembayarannya, jika pembayaran melalui pihak ketiga melalui kartu kredit pastikan Anda berada pada alamat yang benar. "Jangan sampai Anda masuk kedalam jebakan peretas untuk memasukkan data pribadi Anda dan hingga akhirnya data tersebut disalahgunakan," kata Aulia.
- Tips yang terakhir, Instal Software
Jika Anda penggila belanja, tidak ada salahnya menginstal software keamanan yang bisa memblock aksi para peretas dan menjamin Anda masuk ke dalam situs belanja yang aman sebelum mengkliknya.

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Mrs. Nadel Halioua.

Dear Friend.                       

 

Greetings to you and your family, I am the manager of bill and exchange in THE BANK, I have a business of 5.5 Million United State Dollars to be transfer to your account for investment in your country, if you are ready to assist me get back to me, I will give you full details on how the fund will be transfer to you.

 

Be rest assured that everything will be handled confidentially because, this is a great opportunity we cannot afford to miss, as it will make our family profit a lot.

 

It has been 6 years go, that most of the greedy African Politicians used our bank to launder money overseas through the help of their Political advisers.

 

Most of the funds which they transferred out of the shores of Africa were gold and oil money that was supposed to have been used to develop the continent.

 

The Political advisers always inflated the amounts before transfer to foreign accounts so I also used the opportunity to divert part of the fund worth five million five hundred united state dollars I told you about and I am aware that there is no official trace of how much was transferred as all the accounts used for such transfers of fund at that particle time were closed after transfer.

 

I am the account officer to most of the politicians and when I discovered that they were using me to succeed in their greedy act, I also cleaned some of their banking records from the Bank files and no one cared to ask me for the money was too much for them to control, as I am sending this message to you, I was able to divert five point five Millions Dollars ($5.5M)which is in an escrow transit account belonging to no one in the bank, and now my bank is very anxious to know the real beneficiary of the funds is for they have made a lot of profits with the fund.

 

It has been more than five years ago and most of the politicians are no longer in power again and they don’t use our bank to transfer funds overseas anymore since their tenure had expired.

 

The $5.5 Million United State Dollars has been lying in the bank as unclaimed fund and I will soon retire from the bank immediately the fund is transfer into your account over there.

 

Immediately the fund has been successfully transfer into your account I will come to your country for the sharing of the fund, the fund will be shared 50% for me and 40% for you, and the other 10% for the orphanages home and poor with less-privilege people.

 

Please know that there is no one that is going to question you about the fund if you will comply with me and follow my instruction which will help us a lot to achieve this goal for everything is well secured.

 

Please indicate your interest in this transaction by replying back and if you are not interested do not waste your time to reply kindly delete my message from your box ok.

 

Waiting to hear from you soon.

 

Yours Faithfully,

 

Mrs. Nadel Halioua.

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M. Ahmed garuba

Dear Friend,

I am Mr. Ahmed Garuba the auditing and accounting department boa bank of africa I hoped you will not expose or betray this trust? I need your urgent assistance in transferring the sum of ($10.5 million) dollars immediately into your account.

I don't want the money to go into our bank account as an abandoned fund and I cannot operate it alone without using a foreigner who will stand as a beneficiary to the fund,this is the reason why I contacted you so that the bank can release the money to you as the next of kin to the deceased customer.

I will send you the full details on how this transaction will be executed, but I want you to assure me your capability of handling this project with trust if you are interested.

Send to me your information’s as follows
1. Name in full:.......................
2. Address:...................... ........
3. Nationality:.................. ....
4. Age:.......................... ...........
5. Sex........................... .............
6. Occupation:................... ...
7. Marital status:............
8. Phone......................... .........
9. Fax:.......................... ..............
10 scan and send a copy of your identity card to me.

I am waiting for your urgent respond to enable us proceed further for the transfer.

Yours faithfully
M. Ahmed garuba

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Event manager Name Dr. J.T Walter E-mail: cokeclaims-london@hotmail.com Tel: Phone Number: +44 701 703 8179

      FROM THE DESK OF COCA-COLA LOTTERY PROGRAM MANAGER
COCA-COLA CENTRE, LONDON 30/ 32 POOL STREET CARNARVON LIVERPOOL LL55 2AS
UNITED KINGDOM

Ticket number (2PYUK2012)
Ballot number (UK: 51322012/12

The Coca Cola Company Plc Official End Of The Year Prize Award Winner
Notification.   
Dear Guaranteed Award Winner,
  We are pleased to inform you of the result of the just concluded final
draws held on the 1st December,2012 by Coca-Cola in conjunction
with the British American Tobacco Worldwide Promotion, your email was
among the 20 Lucky winners who won (�500, 000, 00GBP) a BRAND NEW
HP LAPTOP each on the COCA COLA COMPANY END OF THE YEAR PROMOTION
UK.However the results were released on the (16th of December,2012)and
your email was attached to TICKET NUMBER (2PYUK2012)and BALLOT NUMBER(UK:
51322012/12).The online draws was conducted by a random selection
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1. Your Full Names:
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10.Winning Email Address:
11.Your Ballot Number:
12.Your Ticket Number:

DECLARATION:_____________________________
Congratulations once again from the entire staff of the COCA-COLA PROMO
TEAM ENGLAND.



Event manager Name  Dr. J.T Walter
E-mail: cokeclaims-london@hotmail.com
Tel: Phone Number: +44 701 703 8179

From The Coca Cola Promotion Company Plc England UK.
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Dr, Rhama Musa Phone Numbers +226 66 66 07 06

FROM DR RHAMA MUSA.
MANAGER BILL AND EXCHANGE DEPT.
AFRICAN DEVELOPMENT BANK (ADB)
OUAGADOUGOU BURKINA FASO.

DEAR FRIEND,

This message might come to you as a surprise. However, it all just my urgent need for a foreign partner that made me to contact you for this transaction. I got your contact from yahoo tourist search while I was searching for a foreign partner. I assured of your capability and reliability to champion this business opportunity when I prayed to God or Allah about you. I am a banker by profession in Burkina Faso West Africa and currently holding the post of assistant foreign remittance director in our bank.

I have the opportunity of transferring the left over funds ($15 million dollars) of one of my bank clients who died along with his entire family on Monday 31st July 2004 in a plane crash. Hence I am inviting you for a business deal where this money can be shared between us in the ratio of 60 / 40% it you agree to my business proposal. Further details of the transfer will be forwarded to you as soon as I receive your return mail immediately you receive this letter. Please indicate your willingness by sending the below information for more clarification and easy communication.

(1)YOUR FULL NAME _______
(2)YOUR CONTACT ADDRESS_____
(3) NATIONALITY____
(4)YOUR AGE____
(5) ACOUNT.NO_____
(6) OCCUPATION______
(7) PRIAVTE PHONE NO_____


Trusting to hear from you immediately,
Thanks & best regards,
Dr, Rhama Musa Phone Numbers +226 66 66 07 06

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CONTOH KASUS PENIPUAN

VIVAnews – Puan Maharani yang merupakan cucu Presiden RI pertama, Soekarno, menepis kabar soal harta sang kakek yang diberitakan sebuah koran di Austria tersimpan di sebuah bank di Swiss.

“Kami pihak keluarga tidak tahu-menahu. Sampai sekarang soal itu belum pernah terbukti, dan tak ada hubungannya dengan keluarga kami,” kata Puan saat menemani ayahnya, Ketua MPR Taufiq Kiemas, berkunjung ke kantor Wakil Presiden Boediono di Jakarta Pusat, Rabu 26 Desember 2012.

Isu mengenai harta Soekarno bukan sekali ini terdengar. Kali ini isu tersebut kembali mengemuka ketika sebuah koran Austria, Kronen Zeitung, memberitakan soal harta warisan Soekarno senilai US$180 juta atau Rp1,74 triliun yang sampai saat ini disebut masih tersimpan di bunker bank terkemuka di Swiss, Union Bank of Switzerland (UBS).

Kronen Zeitung menurunkan berita soal harta Soekarno dalam dua edisi, yaitu tanggal 17 dan 19 Desember 2012. Namun tidak disebutkan harta Soekarno itu ada dalam bentuk apa. Dalam berita itu, wartawan penulisnya, Klaus Loibnegger, mewawancarai seorang mediator keuangan asal Austria bernama Gustav Jobstmann.

Jobstmann mengaku punya dokumen pendukung yang menjadi bukti eksistensi harta Soekarno di bank Swiss. Jobstmann juga mengatakan bisa membantu mencairkan harta Soekarno itu, dengan syarat keluarga Soekarno bersedia menginvestasikan semua harta warisan itu di Austria yang saat ini membutuhkan suntikan modal.

Jobstmann bahkan mengatakan sudah menghubungi salah seorang keluarga Soekarno bernama Seno Edy Sukanto untuk membicarakan perihal harta itu. Namun Puan mengatakan, keluarganya justru tidak kenal dengan orang bernama Seno Edy Sukanto itu.

“Kami tak mengenal siapa Edy, dan dia tidak masuk dalam keluarga Soekarno. Sepengetahuan saya sejak lahir sebagai cucu Bung Karno, saya tidak pernah tahu dan mengenal siapa dia,” ujar Puan. Ketua Fraksi PDIP itu pun mengatakan keluarganya tak mau terlibat dan ikut campur soal pemberitaan mengenai harta Soekarno itu.

Menurut Puan, ibunya sendiri yang merupakan putri Soekarno, Megawati Soekarnoputri, pernah mengatakan kepadanya bahwa tidak ada harta Soekarno seperti yang diberitakan media asing. “Kalaupun ada orang yang mengatasnamakan keluarga Soekarno (dalam berbicara soal harta itu), bukan berarti dia benar keluarga Soekarno,” kata Puan.

Kabar Angin

Dubes Republik Indonesia di Swiss, Djoko Susilo, pernah mengatakan bahwa kabar soal harta Soekarno di UBS itu tidak benar. Djoko mengaku sering dihubungi sejumlah pihak di Indonesia maupun di tempat-tempat lain yang mengklaim menyimpan data soal warisan Soekarno di Swiss berupa emas dan uang.

Djoko pun kemudian menelusuri informasi itu. Ia bahkan menghubungi salah satu pejabat terkemuka di Bank UBS. Namun ternyata semua kabar tersebut tidak terbukti kebenarannya.

Djoko juga meragukan informasi soal harta Soekarno yang dimuat dalam Kronen Zeitung. Menurutnya, Kronen Zeitung sejenis koran kuning di Indonesia yang memberitakan lebih banyak berita sensasi ketimbang informatif.

Sejarawan LIPI Asvi Warman Adam pun meragukan soal harta Soekarno ini. “Semua cuma isu, tidak pernah jelas dan tidak bisa dipertanggungjawabkan,” kata Asvi.

Ia lantas mengisahkan ketika tahun 1960 ada proyek pembangunan Monumen Patung Dirgantara yang lebih dikenal dengan nama Patung Pancoran di Jakarta Selatan. Saat itu pemimpin proyek Patung Pancoran, Edhi Sunarso, mengeluh kekurangan dana kepada Soekarno.

Namun Soekarno malah menyarankan Edhi untuk menjual mobilnya guna biaya pembangunan Patung Pancoran. Dari cerita itu, Asvi berkesimpulan Soekarno sendiri tak punya banyak harta. “Kalau punya banyak uang dan emas batangan, Soekarno kan tinggal ambil emasnya untuk dana proyek,” ujar Asvi.

Ajang Menipu

Kabar angin soal harta Soekarno memang tidak pernah jelas. Namun justru menginspirasi sejumlah penipu dalam menjalankan aksinya. Salah satu yang paling terkemuka mungkin adalah James Lindon Graham asal Selandia Baru.

Seperti dilansir nzherald.co.nz, 29 September 2011, Graham adalah penipu ulung. Tak tanggung-tanggung, ia mengaku sebagai anak angkat dua Presiden RI, Soekarno dan Soeharto. Graham membual telah diadopsi resmi oleh keluarga Soekaro. Ia pun mengaku memiliki kuasa atas harta simpanan keluarga Soekarno senilai US$50 juta dan US$100 juta dalam bentuk emas batangan di bank Swiss.

Kepada para korbannya, Graham mengklaim dekat dengan Interpol. Dalam modus penipuannya, Graham mengatakan butuh uang dari para korbannya untuk mencairkan simpanan keluarga Soekarno di bank Swiss itu. Graham juga membual memiliki piutang sebesar US$13 juta pada PBB. Ia menyebut PBB meminjam uangnya untuk menegakkan demokrasi di sebuah wilayah Afrika.

Graham lantas mendorong korban-korbannya untuk berinvestasi dalam jumlah besar lewat dirinya, dengan kesepakatan kompleks. Meski terdengar tak masuk akal, tapi banyak korban terjerat. Sebagian besar korban Graham merupakan investor lanjut usia.

Graham menjalankan modus itu selama sepuluh tahun. Penipu kakap ini sempat ditangkap di Bandara Auckland, Selandia Baru, Juli 2009 saat hendak bertolak ke Singapura. Ia dibebaskan karena membayar uang jaminan, dan mengulangi aksi penipuannya lagi.

Ketika akhirnya ditangkap lagi dan diproses hukum, Graham dinyatakan bersalah atas 99 kasus penipuan senilai US$1,6 juta. Pria berusia 68 tahun itu pun divonis penjara selama tiga tahun dua bulan. Vonis itu dipotong dari yang seharusnya enam tahun dengan pertimbangan usia Graham yang sudah tua dan ia menderita beberapa penyakit.

Hakim juga menyatakan Graham tak bertindak sendirian. Ia adalah anggota jaringan penipuan. Graham mengaku menipu karena perlu banyak uang untuk membiayai gaya hidup jetsetnya.

Pengklaim juru kunci keluarga Soekarno juga kerap terdengar di dalam negeri. Tahun 2011 misalnya, seorang kakek bernama Zakaria Sukaria Pota yang mengaku berusia 126 tahun dan berasal dari Bolaang Mongondow, Sulawesi Utara, mengklaim memiliki sejumlah emas batangan dan surat berharga berisi kekayaan RI yang tersimpan di bank Swiss.

Zakaria juga menunjukkan pedang, tongkat komando, dan empat emas batangan yang menurutnya milik almarhum Presiden Soekarno. Kakek ini bahkan mengaku memiliki obligasi triliunan rupiah yang dicap dengan tinta emas bergambar Garuda. Obligasi itu dikatakannya siap dicairkan di sebuah bank internasional untuk diberikan kepada negara.

Zakaria mengaku punya hubungan darah dengan Presiden Soekarno dan selama 60 tahun belakangan menutupi identitasnya dengan menyamar sebagai petani, pengumpul botol, dan pencari rotan di hutan-hutan Bolaang Mongondow. Ia mengatakan mendapat wahyu untuk membuka semua harta Soekarno itu karena perekonomian Indonesia terpuruk.

Pengakuan seperti ini tak hanya datang dari Zakaria. Beberapa orang di tanah air juga pernah mengaku sebagai pewaris Soekarno yang bisa mencairkan hartanya di bank Swiss. Namun akhir cerita seperti ini bisa diterka. Sampai saat ini belum ada kisah lanjutan bahwa mereka telah berhasil mencairkan harta Soekarno itu. Kisah-kisah ini berlalu dengan cepat seiring angin berhembus. (adi)

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FROM THE DESK OF Mr NIKIEMA ABDUL The Head of File and Auditing Department, BANK OF AFRICA (B.O.A) Ouagadougou Burkina-Faso ( West Africa )

FROM THE DESK OF Mr NIKIEMA ABDUL

The Head of File and Auditing Department,

BANK OF AFRICA (B.O.A)

Ouagadougou Burkina-Faso ( West Africa )

REMITTANCE OF US$26,5 million

CONFIDENTIAL IS THE CASE. VERY URGENT ATTENTION

This message might meet you in utmost surprise, however, it's just my Urgent need for foreign partner that made me to contact you for this transaction I am a banker by profession from Burkina Faso in West Africa and currently holding the post of director Auditing and accounting unit of the bank.

I have the opportunity of transferring the left over Funds ($26.5 million) of one of my bank clients who died Along with his entire family in a plane crash.

Hence, I am inviting you for a business deal where this money can be shared between us in the ratio of 60/40 and I will like you to know that if there will be any expenses both of us will take care of it. I will like to inform you that this transaction is 100% risk free, WHILE further details of the transfer will be forwarded to you as soon as I receive your return mail. And also promise me that you will not disappoint me when this fund hits your account.

Meanwhile the World Bank Group has mandated the BANK OF AFRICA Burkina Faso to release this unclaimed fund immediately when the next of kin is discovered with due application.

This payment will be effected through Swift Telegraphic Transfer in conjunction with the support of the World Bank.

Your Urgent response is needed for immediate transfer of this fund IN TO YOURRECEIVING BANK ACCOUNT.

(FILL THIS FORM BELLOW PLEASE AND RESEND IT TO ME).

1) Your Full Name.............................

2) Your Age....................................

3) Marital Statuses............................

4) Your Cell Phone Number......................

5) Your Country................................

6) Your Occupation.............................

7) YOUR SEX....................................

8) Your Religion..............................

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Alhajhafez Abdul-Kader Chondhury

Good Day,
My Name is Alhajhafez Abdul-Kader Chondhury,A Financial investment Consultant based In Europe.Sorry If I berg into your privacy,I only need someone that I could trust for Investment purposes.Please,Is there any Investment we can do together in your country? I am here to seek for a trustworthy partner who will help me handle Investment project there in your beloved country.This Investment funds will be coming directly to your designated bank.I also promise you that I Will be sending my Bank representative to meet you and your Bank Manager for mutual Understanding before this funds can be in your Bank account.I will detail you more when I receive your positive response.Let me know if you can be of help to carry out this Investment project that will run up to $500,000,000(Five Hundred Million Dollars Only) there In your country.Thanks and send me all useful details of you through this email(alhajhafezkader@ymail.com)For further directives.
Regards,
Alhajhafez Abdul-Kader Chondhury

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HATI HATI KITA SEMUA

MODUS KEJAHATAN KARTU ATM DAN KARTU KREDIT

Bank–bank sekarang nampaknya masih terus di hantui oleh munculnya kejahatan perbankan, ada kejahatan yang di kategorikan kejahatan kerah putih (White collar) dengan berbagai modus operandi yang dilakukan mulai dari pemalsuan dokumen, penerbitan L/C fiktif, Bank Garansi Bodong dan lain sebagainya. Dan bank sekarang sedang disibukan oleh kejahatan pembobolan bank melalui Kartu ATM dan Kartu Kredit. Yang akhirnya semua kerugian harus ditanggung oleh bank atau nasabahnya. Saya akan berbagi pengetahuan tentang modus-modus kejahatan perbankan ini, yang mudah-mudahan bisa mengingatkan kita semua untuk berjaga-jaga dan selalu bisa waspada.

Kejahatan Kartu ATM.

Kejahatan kartu ATM yang sering terjadi adalah pemalsuan kartu ATM, dimana si pelaku kejahatan membuat kartu ATM palsu lengkap dengan magnetic stripe yang sudah berisi rekaman data dari kartu yang dipalsukan. Selain memalsukan kartu si pelaku juga mengetahui nomor PIN dari kartu yang digandakannya.

Cara kebiasaan yang digunakan oleh si pelaku kejahatan untuk mengetahui nomor kartu dan nomor PIN si korban (nasabah) adalah sebagai berikut :

1. Untuk mencuri PIN biasanya si pelaku mengintip calon korban dari belakang antrian lewat bahu korban yang sedang melakukan transaksi pada mesin ATM, ini bisa terjadi pada tempat-tempat seperti di Mall atau di lobby bank yang letak ATM-nya terbuka. Dan si pelaku pasti orang yang punya daya ingat tinggi karena dapat merekam nomor PIN dikepala hanya dengan sekilas.
2. Si pelaku kejahatan memasang kamera kecil (Spycamera) dan Card reader pada mesin ATM. Mesin card reader berfungsi untuk merekam data dari magnetic stripe kartu ATM, sementara kamera kecil yang tersembunyi digunakan untuk mengintip atau merekam nomor PIN korban saat menggunakan keypad ATM.
3. Membaca Record Terakhir : Modus yang satu ini tergolong berbahaya, anda tidak akan menemukan keanehan atau sesuatu yang tidak wajar di dalam anjungan atau ruangan ATM, modus kejahatan ATM yang satu ini telah banyak terjadi di luar negeri, cara kerja kejahatan ini membaca record terakhir dari transaksi mesin ATM dengan menggunakan kartu ATM kosong (akan tetapi kartu ATM tersebut telah di program untuk berkerja membaca transksi terakhir dari mesin ATM), dan seandainya si korban atau nasabahmelaporkan kejadian seperti ini pada bank yang bersangkutan, tentu si korban akan di tuduh melakukan penipuan, karena transaksi yang dilakukan valid. Kenapa dianggap Valid ? karena biasanya si pelaku kejahatan ikut mengantri transaksi ATM di belakang anda, dengan demikian selisih waktu penarikan uang pun hanya beda beberapa menit, sehingga anda akan dianggap menarik uang secara berturut-turut oleh pihak bank. Bagaimana menghindari kejahatan seperti ini? caranya sangat sederhana, setelah anda melakukan transaksi pengambilan uang atau transaksi apapun yang anda lakukan di mesin ATM, dan setelah kartu anda keluar dari mesin ATM, anda tinggal memasukan kartu anda kembali dan memasukan PIN yang salah atau melakukan cancel, jadi record terakhir yang dibaca atau terekam oleh pelaku adalah PIN yang salah, jadi kita juga perlu nakal untuk menghindari kejahatan. Sip kan ?!
4. Modus lainnya dari kejahatan kartu ATM adalah bisa dilakukan oleh oknum pegawai bank, (tapi ini hanya kemungkinan kecil), yaitu dengan cara membuat kartu ATM fiktif melalui nomor rekening nasabah yang tidak menginginkan kartu ATM. Oknum pelaku biasanya memakai rekening yang saldonya besar akan tetapi pasif dalam aktivitas transaksi. Dengan kartu ATM yang fiktif tadi si oknum menguras isi rekening nasabahnya yang tidak aktif tadi dengan nyaman.
5. Modus lainya adalah dengan cara agar kartu ATM menyangkut pada ATM slot, dengan menyisipkan sesuatu benda (bisa plastik, permen karet, korek api, atau benang nilon dll) yang akan membuat kartu ATM tertahan didalam. Dan si pelaku kejahatan akan pura-pura membantu atau menolong si korban dengan menyuruh kembali mencoba memasukan PIN, setelah berkali-kali dicoba gagal dan kartu ATM-pun seolah telah ditelan mesin, maka si korban pergi untuk melakukan pengaduan pada bank yang bersangkutan, pada saat si korban pergi, si pelaku kejahatan mengambil kartu dari slot ATM dengan menarik benda yang dipasangnya, selanjutnya menarik tunai uang si korban. Dalam modus ini ada juga si penjahat yang memasang striker palsu serta memalsukan nomor telepon bank, sehingga pada saat si nasabah atau korban menghubungi nomor telepon yang tercantum di stiker palsu, si penjahat akan mengarahkan anda dengan berbagai cara agar anda menyebutkan nomor PIN anda. Modus telepon pengaduan palsu ini, kadang si penjahat bisa menggunakan cara hipnotis melalui telepon, yang akan membuat anda mengkuti semua instruksi si penjahat. 

Alternatif tindakan pencegahan untuk menghindari terjadinya kejahatan kartu ATM adalah sebagai berikut :

• Pihak Perbankan dalam sistem kartu ATM agar segera memanfaatkan Card Verification Value (CVV) supaya bisa mempersulit upaya-upaya pemalsuan kartu ATM.
• Pihak Perbankan sebaiknya menambah security camera disetiap sudutdi lokasi mesin ATM atau di ATM center baik di Mall maupun di bank dan tempat-tempat di sekitar mesin ATM ada, agar dapat merekam semua segala aktifitas orang-orang yang melakukan transaksi di ATM atau aktifitas lainnya.
• Anda sebaiknya selalu menyimpan nomor pengaduan yang dberikan oleh bank untuk di simpan di handphone anda, anda bisa menanyakan langsung pada customer service bank anda. 
• Pengawasan dilingkungan perbankan harus semakin di perketat. 
• Hindari alat-alat yang seharusnya tidak ada di ATM biasa seperti :

1. Magnetic Card Rider berfungsi untuk membaca data kartu magnetik ATM yang dipakai untuk menggandakan (kloning) kartu ATM. terbuat dari gipsum, warnanya mirip dengan warna ATM. Skimmer umumnya ditempel dengan double tape sehingga mudah lepas saat digoyang, dipoasang ditempat untuk memasukkan kartu.
2. Kamera kecil (Spycamera/mini camera) biasanya dipasang dibadan ATM atau disekitarnya, ukurannya tipis dan memanjang sehingga bisa ditempel diatas atau samping tombol untuk mengetik PIN. Intinya semua yang mengarah ke tombol untuk mrngrtik PIN harus diwaspadai.

Kejahatan Kartu Kredit

Para pelaku kejahatan dengan dengan modus kartu ATM maupun kartu kredit sudah semakin modern dan mempunyai jaringan luas, bahkan dari media informasi yang pernah saya tahu bahwa jaringan ini telah sampai ke luar negeri. Serta teknik maupun peralatan dan bahan baku pembuat kartu palsu dijaringan ini telah saling bertukar informasi dan saling jual beli bahan baku guna pemalsuan.

Para pelaku kejahatan kartu ATM maupun Kartu Kredit mempunyai mesin pembuat kartu. Mesin encodingenconding data pada magnetic stripe kartu sesuai dengan data yang terekam pada kartu asli. kartu ini sering dipakai untuk membuat tanda pengenal ID card, kartu anggota, dan lain-lain. Bahan bakunya bisa dibeli dari luar negeri maupun dari bank di dalam negeri yang kemudian dicetak sesuai aslinya atau menyerupai dan

Ada beberapa dugaan alternative dalam pencurian data korban :

1. Data dan nomor awalnya didapat dengan cara Skimming artinya merekam secara elektronik data pada magnetic stripe skimming ini biasanya di kerjakan dengan suatu alat sebesar bungkus rokok dan tergantung ada berbagai model yang dijual di pasaran, biasanya si pelaku kejahatan dalam mencuri data dan nomor dari kartu kredit asli akan menitipkan Skimming tersebut di Restoran, hotel, Toko, atau tempat-tempat pembayaran dengan istilah gesek, yang artinya harus ada keterlibatan orang dalam dari tempat-tempat tersebut, biasanya si kasir menyembunyikan SKIMMER di bawah meja dan melakukan dua kali penggesekan tanpa sepengetahuan pemilik kartu.
2. Cara lain pencurian data pemilik kartu kredit asli adalah bisa dengan cara memasang semacam CHIP pada terminal POS (point of sale)yaitu sebuah alat gesek kartu kredit yang digunakan unbtuk pembayaran, pada restoran, toko, hotel, super market, dan si pelaku kejahatan disini bisa petugas service terminal POS, karyawan pada terminal POS, atau orang lain yang menitipkan. Intinya bahwa CHIPharus dipasang oleh petugas yang menangani terminal POS, misalkan pada saat service.
3. Maka dengan cara SKIMMING dan CHIP Information Card Verification Value (CVV) yang mempunyai tiga digit angka yang berfungsi sebagai pengaman kartu kredit akan ikut terekam.
4. Dalam tindak kejahatan Kartu Kredit umumnya terdapat beberapa modus antara lain :

• Modus IDT (Identity Theft) yaitu pencurian Identitas orang lain yang dipake untuk tujuan melakukan kejahatan penipuan dan pemalsuan.
• Modus ATO (Account take over) yaitu pencurian data orang lain yang bertujuan untuk mengendalikan rekening tanpa sepengetahuan pemilik rekening atau secara tidak sah.
• Modus MTO (Merchant Take Over) yaitu pencurian data pemilikmerchant yang bertujuan mengendalikan atau mengambil alihMerchant-nya secara tidak sah.

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Safia Farkash Gaddafi(née el-Brasai).

WHEN Friday, 29 June, 2012 8:30 - 9:30 (GMT+00:00) From: safia_fgaddafi00@yahoo.ie WHAT Dear friend, I am the second wife of the late Libyan leader Muammar Gaddafi, my name is Safia Farkash Gaddafi (née el-Brasai). We came to know each other in 1971 when Gaddafi was admitted to a hospital for appendicitis where I worked as a nurse. We got married the same year and have six boys and one girl. I got your email address when I was searching for whom will help me from my computer I then saw your email and so i decided to contact you on this vital issue. As you may be aware of the death of my husband, I and my three family members had moved to one of our hiding estate unknown to any body all our documents have be ceased to prevent us from travelling. Please, presently I and my entire family have what I will called “MY FAMILY LAST RESORT to the tune of U$10.5 (Ten Million Five Hundred Thousand United States Dollars) and ready to be TRANSFER to you with the hope that you will invest this funds into any good business in your country, pending when the political turmoil is over. Please if you are interested in helping me to receive this money that is presently in an escrow account in one of the banks in Africa. After a successful process and transfer of this said money into your bank account, 30% of the total funds will go to you and my Daughter Aisha will come to your country immediately to start up a business with your assistance so we will be able to save for raining days. You can found out some of the story on this web bellow: http://www.deccanherald.com/content/144251/libyas-first-lady-owns- airline.HTML. I shall give you the contact information of my Account officer in the bank when you indicate your interest. I guarantee you that this will be executed under a legitimate arrangement that will protect you from ant breach of Law and is 100% Risk Free Venture because the fund is my own. Please due kindly indicate your interest in assisting my family by providing the basic Information such as; and also reply me through my private email address (safia.fgaddafi00@gmail.com). Full name: Address: Country: Age: Occupation: Phone number: Thanks for your service in advance. Sincerely yours Safia Farkash Gaddafi(née el-Brasai). RSVP Now!

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Mr Ibrahim Ama

Hvornår: torsdag den 28. juni 2012 19:00 - 20:00 (GMT+00:00) Fra: ibrahimama01@yahoo.dk Meddelelse: FROM MR IBRAHIM AMA BILLS AND EXCHANGE MANAGER, BANK OF AFRICA (B.O.A) OUAGADOUGOU BURKINA FASO . DEAR FRIEND, i know that this mail will come to you as a surprise as we never met before. i need your urgent assistance in transferring the sum of ($18.5 million dollars united states )to your account.after hearing from you i will give you more detials about the transaction, and application which you will forward to the bank, and i agree that 40% of this money will be for you as a respect to the provision of a foriegn account , and 60% would be for me thereafter, i will visit your country for disbursement according to the percentage indicated therefore, to enable the immediate transfer of this fund to you arranged,you must apply first to the bank as relation or next of kin of the deceased indicating your bank name, your bank account number, your private telephone and fax number for easy and effective communication and location where the money will be remmitted. if you are interested please reply me immediately. ibrahimama26@gmail.com Thanks Mr Ibrahim Ama S.U. nu!

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William Wade

ar Friend, I presume this letter will come to you as a surprise,but as things unfold,we will know each other better.I will start by introducing myself to you.My name is Barrister William Wade a solicitor at law. I am writing in respect of a foreigner Mr Robert Rice,who happens to be my client an oil merchant and contractor who perished in a plane crash of 31st October 1999 [WITH EGYPTIAN AIRLINE 990] with other passengers aboard . http://www.cnn.com/US/9910/31/egyptair.03/ Since the demise of my client I personally have searched with keen interest to see the next of kin but all has proved abortive as no one has come to claim his funds of US$28.5m(Twenty Eight Million Five Hundred Thousand United States Dollar) and all the relevant documents in the bank has no record of any next of kin. On this note, I decided to seek for whom his name shall be used as his next of kin so I have contacted you to assist in repatriating most especially, the money left behind by my client before they get confiscated or declared unserviceable by the bank where the huge deposits were lodged. Particularly, the Zenith Bank Plc where the deceased had an account valued at about Usd28.5 million dollars has issued me a notice to provide the Next of kin, or have the account confiscated. I seek your consent to present you as the Next of kin of the deceased,I need somebody who is trustworthy and willing to assist me get the funds transfered.Which the account which my late client operate is valued at Usd28.5 million dollars can be paid to you, as my clients Next of Kin, and then we can share the amount on a mutual agreed percentage. All legal documents to back up your claim as the deceased Next of Kin will be provided. All I require is your honest cooperation to enable us see this deal through. I guarantee that this will be executed under legitimate arrangement that will protect you from any breach of the law and you should endeavor to keep it confidential. Please get in touch with me at (mr.williamwei@yahoo.com.cn) to enable us discuss further about this transaction. Regards, William Wade

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Mr. Raju mustapha and Dr. Safa Hadji

Good day; I am Dr. Safa Hadji, age 56, a member of American Joint Committee on Cancer in central Hospital Dubai, i am writing you because one of my sick patient (Mr. Raju mustapha) mistakenly paid a total sum of $2.3m into one of your offshore bank account with Europe Arab Bank, which was supposed to be transfer to a Charity Organization account offshore. i am very sorry for the inconvenience, and disturbed i brought you this day. I will gladly appreciate your support in ratifying this issue immediately. Writing you this email today, I have no hidden agenda but to see how we can both come to an agreement, on behalf of my sick patient suffering from cancer. I was able to get your alternative email address from Europe Arab Bank. Now; the Bank refuse to transfer the money back expect you contact them yourself due to offshore account rules and policy. Please we want you to get back to us with the below INFORMATION, to prove to the bank that we have contacted you, so that they can refund the money back to my sick patient (Mr. Raju mustapha) who mistakenly paid a total sum of $2.3m into your account below. NAME:_________ MOBILE PHONE NUMBER:_________ ADDRESS:___________ COUNTRY:__________ OCCUPATION:_________ INCOME PER MONTH:_________ E- MAIL:_______ Account Number: 3782005814. Routing Number: 735821675. Type of Account: offshore/international bank account. Bank: Europe Arab Bank I am the sick patient willing to give out is last 2.3 Million to orphanage homes, before i mistakenly paid the money into your offshore/international bank account online. My name is Raju mustapha, a merchant business man in Dubai, presently; i am under medical treatment due to my diagnosed with o esophageal cancer at the central hospital of Dubai. According to the medical expectorate; they said i have few weeks to live. My wife Mafa Samia from America Samoa died of cancer too, and i don?t have children that i can will my money and properties to. i have will most of my properties to my relatives, yet they betrayed me. I once ask my relatives to close one of my accounts and distribute the money which i have there to charity organization in America and Pakistan; they refused and kept the money to themselves. Hence, i do not trust them anymore, as they seem not to be contended with what i have left for them. I am communicating with only you at this moment with regards to my $2,300,000. And I would not have any cause to do otherwise, as a matter of fact; i have contact the bank in United Kingdom about this issue, but they said they have nothing to do expect you contact them at email: eurabk@w.cn and also please get back to us with the INFORMATION details at your convenience. Thank you! Best Regards, Mr. Raju mustapha and Dr. Safa Hadji E-mail: dr.safahadji@hotmail.com

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Dr.francois gouws

From Dr.francois gouws I am Dr.francois gouws from Harlesden, North West London, here in England. I work for UBS Bank, London. I am writing you about a business proposal that will be of an immense benefit to both of us. In my department, being the Head of Accounting Audit Greater London Regional Office, I discovered an abandoned sum of 15 Million Great British Pounds Sterling (Fifteen Million Great British Pounds Sterling) in an account that belongs to one of our foreign deceased customers, a billionaire Business Mogul Late Mr. Moises Saba Masri, a Jew from Mexico who was a victim of a helicopter crash early last year, resulting to his death and his family members. Saba was 47-years-old. Also in the chopper at the time of the crash was his wife, their son Avraham (Albert) and his daughter-in-law. The pilot was also dead. The choice of contacting you is aroused from the geographical nature of where you live, particularly due to the sensitivity of the transaction and the confidentiality herein. Now our bank has been waiting for any of the relatives to come-up for the claim but nobody has done that. I personally has been unsuccessful in locating the relatives for 5 month now, I seek your consent to present you as the next of kin/Will Beneficiary to the deceased so that the proceeds of this account valued at 15 Million Pounds can be paid to you. This will be disbursed or shared in these percentages, 60% to me and 40% to you. I have secured all necessary legal documents that can be used to back up this claim we are making. All I need is to fill-in your names to the documents and legalize it in the court here to prove you as the legitimate beneficiary. All I require now is your honest Co-operation, Confidentiality and Trust to enable us see this transaction through. I guarantee you that this will be executed under a legitimate arrangement that will protect you from any breach of the law. Please, provide me the following, as we have 7 days to run it through. This is very URGENT PLEASE. 1. Full Name: 2. Your Direct Mobile Number: 3. Your Contact Address: 4. Your Occupation: 5. Your Nationality: 6. Your sex/Age: Having gone through a methodical search, I decided to contact you hoping that you will find this proposal interesting. Please on your confirmation of this message and indicating your interest will furnish you with more information. Endeavour to let me know your decision rather than keep me waiting. Regards, Dr.francois gouws

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Barrister Zulhasmi Bin Zakaria. Principal Attorney

Dear, I am Zulhasmi Bin Zakaria, an attorney at law. A deceased client of mine, who here in after shall be referred to as my client, died as the result of a heart-related condition on the 11th November, 2007. His heart condition was due to the death of all the members of his family in the China Airline Boeing 747-200 that crashed in Taiwan Strait on May 25, 2002. - at about 3:37 PM, as reported on:http://edition.cnn.com/2002/WORLD/asiapcf/east/05/29/taiwan.crash/index.html I decided to contact you to assist in distributing the money left behind by my late client before it is confiscated or declared unserviceable by the finance house where this deposit valued at 4.2 million dollars is lodged, since you both share the same last name. This bank has issued me a notice to contact the next of kin, or the account would be confiscated. All legal documents backing up your claim as my client's next-of-kin will be provided. If this business proposition offends your moral values, do accept my apology. Whatever your decision, I await your prompt response, and believing that the transaction will be treated as private, with absolute confidentiality and sincerity. I look forward to your quick reply zulhasmi_bin_zakaria@hotmail.com . Best regards, Barrister Zulhasmi Bin Zakaria. Principal Attorney

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Bank Website:: www.bceao.int Telephone call at +229-68279216

Attention, Value Customer, This is to inform you that the Central Bank of West African States (BCEAO) auditors department is presently supervising all contract payments, inheritance and winning funds that was originated from Africa government. During the Verification, your name/email contact information was found in the central computer among the listed of unpaid beneficiaries that have not received their winner payment of US$12.5million. And the World Bank have instructed Central Bank of West African States (BCEAO BENIN)to release you the payment through ONLINE BANKING TRANSFER SYSTEM CODE since you have an account in the government Africa so far. Therefore to avoid scam, Central Bank Remittance Office Benin officially inform you the good news that your online bank account was successful credited in your name and reload your total funds of $12.5million United States Dollar on the date of 13th April 2012, and arrangement was made to enable you operated your funds online Internet banking and start transfered to your designated bank account in your country. So to enable you start access your funds as for today up-west visit us on http://www.bceao.int/internet/bcweb.nsf/english.htm and once it open properly simple look dawn at the left side and you will see 'ACCOUNT LOGIN, Then click again to the 'ACCOUNT LOGIN' and it will open another page for you to enter your Customer Access Code, User Name and Password so that you can begining to view your funds online transfer system. And before your account login information such as Customer Access Codes and further direction will be forwarded to you today, you must contact Dr Moses Williarms. The Remittance Manager, Central Bank of West African States responsibility of your payment account details and bellow is his contact information. Contact Person, Dr Moses Williarms. Remittance Manager of BCEAO. Email address:: centralbank176@yahoo.com Bank Phone Numbers: +229-68279216 Therefore, you are advice to contact the bank Director for your immediately payment this week. and we must advise you to make judicious use of your fund immediately you ready this mail as we have no more time to waste again to avoid canellation of your payment files do your mush delay. CONGRATULATION ONCE AGAIN. Sign/Approval Rev. Jeane O. Millier. Governor of Central Bank of West African States Bank Website:: www.bceao.int Telephone call at +229-68279216

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Mr. Kabiru Zongo.

From: Mr. Kabiru Zongo,
Bill & Exchange Manager
Bank of Africa (BOA)
Burkina-Faso,West Africa.

Dear Friend,

I am contacting you in regards to a business transfer of a huge sum of money from a deceased customer's account. I decided to contact you due to the urgency of this transaction. I discovered an abandoned sum of $11.8m dollars (Eleven million, eight hundred thousand USD) in an account that belongs to one of our foreign customers who died along with his entire family. Since his death, none of his relations has come forward to lay claims to this money as the heir. The bank cannot release the fund from his account unless someone applies for claim as the next of kin to the deceased as indicated in our banking guidelines. Upon this discovery, I now seek your permission to have you stand as a next of kin to the deceased as all documentations will be carefully worked out by me for the fund ($11.8m) to be released in your favor as the beneficiary's next of kin. Please acknowledge receipt of this message in acceptance of our mutual business endeavor by furnishing me with the following;

Your name: ......................
Your country: ...................
Your Tel/fax: ...................
Your age: .......................
Your occupation: ................

These requirements will enable us file a letter of application form for the claim.I shall be compensating you with 40% on final conclusion of this project,while 50% will be for me and 10% will be for any expenses that may come up. Your share stays with you while my own share shall be for investment purposes in your country.If this proposal is acceptable by you,do not take undue advantage of the trust I have bestowed in you. Thanks for your understanding, while I expect your urgent reply.
Regards
Mr. Kabiru Zongo.

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Miss Anita Justin Yak.

Dear Beloved,

Let me first introduce myself to you, I am a citizen of Sudan but currently staying in Burkina Faso. My name is Miss  Anita  Justin Yak, 24years old originated from Sudan. I got your E-mail address/profile through my internet search from your country national chamber of commerce when I was searching for a good and trust worthy person who will be my friend and I believe that it is better we get to know each other better and trust each other because I believe any good relationship will only last if it is built on truth and real love,

My father Dr. Justin Yak Arop was the former Minister for SPLA Affairs and Special Adviser to President Salva Kiir of South Sudan for Decentralization. My father Dr. Justin Yak and my mother including other top Military officers and top government officials had been on board when the plane crashed on Friday May 02, 2008. You can read more about the crash through the below site:http://news.bbc.co.uk/2/hi/africa/7380412.stm After the burial of my father, my uncles conspired and sold my father’s properties to a Chinese Expatriate and live nothing for me.

On a faithful morning, I opened my father's briefcase and found out the documents which he have deposited huge amount of money in one bank in Burkina Faso with my name as the next of kin. I travelled to Burkina Faso to withdraw the money so that I can start a better life and take care of myself.

On my arrival, the Branch manager of the Bank whom I met in person told me that my father's instruction to the bank was the money is release to me only when I am married or present a trustee who will help me and invest the money overseas. I have chosen to contact you after my prayers and I believe that you will not betray my trust. But rather take me as your own sister. Though you may wonder why I am so soon revealing myself to you without knowing you, well, I will say that my mind convinced me that you are the true person to help me.

More so, I will like to disclose much to you if you can help me to relocate to your country because my uncle has threatened to assassinate me. The amount is $7.2 Million and I have confirmed from the bank in Burkina Faso. You will also help me to place the money in a more profitable business venture in your Country. However, you will help by recommending a nice University in your country so that I can complete my studies.

It is my intention to compensate you with 20% of the total money for your services and the balance shall be my capital in your establishment. As soon as I receive your interest in helping me, I will put things into action immediately. In the light of the above, I shall appreciate an urgent message indicating your ability and willingness to handle this transaction sincerely. Please do keep this only to yourself.

Sincerely yours,
Miss Anita Justin Yak.

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