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Автор Тема: Парите ни в банките - лесна плячка за хакери  (Прочетена 428 пъти)
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« -: Октомври 22, 2007, 08:39:07 »

Всеки втори българин вече има банкова сметка. Така парите ни са защитени от джебчии, но не и от хакери, които стават все по-изобретателни. Оказа се, че докато американците обират банки с пищов и маска като от времето на Дивия запад, европейските бандити си седят вкъщи пред компютъра и забогатяват за минути. Румънците са сред най-добрите хакери, твърдят полицаи.
Милиардите левове, които сме оставили в банките по сметки, са лесна плячка за хакери и измамници. Те могат да бъдат изтеглени, без да разберете, както с подправена лична карта или фалшиви пълномощни, така и по най-модерни способи, използвани от компютърните гении. Личните документи се фалшифицират лесно и при малко по-добра техника и физическа прилика само много внимателният чиновник на гишето ще забележи измамата. Хакерите пък застрашават целия свят и няма никаква гаранция, че в забутана България сме встрани от техния интерес. Последното им изобретение се нарича "Троянски кон" и използва вирус, който е неуловим за сегашните антивирусни програми. Той бе приложен на бизнесмена от Враца, на когото източиха близо 50 000 лева от сметки в "УниКредит Булбанк". Веско Каменов олекнал с въпросната сума само за два часа и половина чрез онлайн нареждане и четири превода. Разследването показало, че хакер чак от Лондон е успял да пробие защитите на банката и чрез няколко прехвърляния да заличи следите и да свие парите.
Банките не са длъжни да ви върнат и лев, ако измамник изпразни сметките ви. Това става ясно след внимателен преглед на родното законодателство по въпроса. Кредитните институции не са отговорни за кражби от сметки. Това поясни за "Стандарт" адвокат Янчо Трончев, специализиран в банкови дела. Единственият начин клиентът да си получи парите обратно бързо и без неприятности, е ако подобна клауза съществува в договора му с обслужващия трезор. Договори с такива клаузи обаче на практика няма, защото законът не го нарежда. Например в Закона за паричните преводи, електронните платежни инструменти и платежни системи защитени са само личните данни. Според юридическата практика банките са отговорни за източване само ако то е станало, след като титулярът на сметката е алармирал за това. За всички суми, източени преди сигнала, трезорът не носи отговорност. Парите могат да бъдат върнати само чрез съда, и то ако се докаже, че чиновник от институцията е свързан с престъплението или поне е знаел за него. Което на практика също е много трудно да се случи.

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