{"id":133672,"date":"2026-01-15T11:23:48","date_gmt":"2026-01-15T09:23:48","guid":{"rendered":"https:\/\/www.santaka.info\/?p=133672"},"modified":"2026-01-15T11:23:48","modified_gmt":"2026-01-15T09:23:48","slug":"nusikalteliu-taikinyje-ir-mobiliosios-pinigines-kaip-saugiai-atsiskaityti-telefonu","status":"publish","type":"post","link":"https:\/\/www.santaka.info\/index.php\/2026\/01\/15\/nusikalteliu-taikinyje-ir-mobiliosios-pinigines-kaip-saugiai-atsiskaityti-telefonu\/","title":{"rendered":"Nusikalt\u0117li\u0173 taikinyje \u2013 ir mobiliosios pinigin\u0117s: kaip saugiai atsiskaityti telefonu?"},"content":{"rendered":"<p><strong>Atsiskaitant u\u017e prekes ir paslaugas, i\u0161 ki\u0161en\u0117s vis da\u017eniau traukiama ne fizin\u0117 pinigin\u0117 ir banko kortel\u0117, o mobilusis telefonas. Patogum\u0105, kai atsiskaitymams galima naudoti i\u0161man\u0173j\u012f \u012frengin\u012f, ypa\u010d vertina jaunimas. Finans\u0173 ekspertas primena, koki\u0173 taisykli\u0173 reikia laikytis, kad \u0161is atsiskaitymo b\u016bdas b\u016bt\u0173 ne tik patogus, bet ir saugus.&nbsp;<\/strong><\/p><p>\u201eSuk\u010diai nuolat ie\u0161ko silpn\u0173 viet\u0173, kad gal\u0117t\u0173 pasinaudoti \u017emoni\u0173 patiklumu, skub\u0117jimu ar nepakankamu informuotumu. I\u0161maniuosius \u012frenginius atsiskaitymams naudojantieji n\u0117ra i\u0161imtis\u201c, \u2013 \u012fsp\u0117ja \u201eUrbo\u201c banko Verslo tarnybos direktorius Julius Iva\u0161ka.<\/p><p><strong>Saugumas prasideda nuo paties telefono&nbsp;<\/strong><\/p><p>Pirmiausia, pasak banko atstovo, reik\u0117t\u0173 apsaugoti pat\u012f i\u0161man\u0173j\u012f \u012frengin\u012f \u2013 naudoti PIN kod\u0105 ar biometrin\u012f u\u017erakt\u0105 (pir\u0161to atspaud\u0105 ar veido atpa\u017einim\u0105) ir jokiu b\u016bdu niekada nepalikti telefono atrakinto. I\u0161man\u0173j\u012f \u012frengin\u012f praradus, reik\u0117t\u0173 kuo skubiau apriboti naudojimosi juo galimybes: per funkcij\u0105 \u201eFind My Device\u201c nedelsiant u\u017erakinti telefon\u0105 (angl. lock device) ar i\u0161trinti jame visus duomenis (angl. wipe device).&nbsp;<\/p><p>Kol nebus atjungtos mobiliosios pinigin\u0117s, patariama nesijungti prie joki\u0173 program\u0117li\u0173. Naudojant kit\u0105, patikim\u0105 telefon\u0105 ar kompiuter\u012f, reik\u0117t\u0173 prisijungti prie savo \u201eApple ID\u201c ar \u201eGoogle\u201c paskyros ir atjungti mobili\u0105sias pinigines \u201eApple Pay\u201c ar \u201eGoogle Pay\u201c. Taip pat reik\u0117t\u0173 susisiekti su banku ir papra\u0161yti u\u017eblokuoti prisijungimus mok\u0117jimo program\u0117l\u0117je.&nbsp;<\/p><p>\u201eDar viena gele\u017ein\u0117 taisykl\u0117 \u2013 saugoti savo prisijungimo duomenis. Pirmiausiai \u2013 naudoti skirtingus kodus ir slapta\u017eod\u017eius. Telefono ir banko program\u0117l\u0117s PIN kodai bei kiti slapta\u017eod\u017eiai netur\u0117t\u0173 sutapti, nes tokiu atveju pavogus vien\u0105, pavagiami visi. Taip pat reik\u0117t\u0173 niekuomet nesidalinti PIN ar patvirtinimo kodais bei slapta\u017eod\u017eiais \u2013 nei su artimaisiais, nei, juo labiau, su telefonu skambinan\u010diais ir \u201ebanko darbuotojais\u201c prisistatan\u010diais veik\u0117jais\u201c, \u2013 primena J. Iva\u0161ka.&nbsp;<\/p><p>Pasak jo, atsiskaitant telefonu reik\u0117t\u0173 vengti vie\u0161\u0173 \u201eWi-Fi\u201c tinkl\u0173 kavin\u0117se ar oro uostuose, kurie gali b\u016bti nesaug\u016bs ir naudoti mobil\u0173j\u012f internet\u0105. Taip pat visuomet reik\u0117t\u0173 naudoti tik oficialias program\u0117li\u0173 parduotuves \u2013 \u201eGoogle Play\u201c ir \u201eApp Store\u201c \u2013 bei reguliariai atnaujinti operacin\u0119 sistem\u0105 ir pa\u010di\u0105 mobiliojo mok\u0117jimo program\u0117l\u0119.&nbsp;<\/p><p><strong>Nepraraskite budrumo&nbsp;<\/strong><\/p><p>Nuolatinis budrumas, pasak \u201eUrbo\u201c atstovo, \u017eenkliai suma\u017eina nusikalt\u0117li\u0173 s\u0117km\u0117s tikimyb\u0119, tad reik\u0117t\u0173 reguliariai tikrinti paties \u012frenginio ir jame \u012fdiegt\u0173 program\u0117li\u0173 situacij\u0105.&nbsp;<\/p><p>\u201ePotencialiai ypa\u010d pavojingos gali b\u016bti program\u0117l\u0117s, pra\u0161an\u010dios leidimo dalintis telefono ekranu (angl. screen sharing). Savo banko paskyroje nuolat reik\u0117t\u0173 pasitikrinti ir \u201eaktyvius \u012frenginius\u201c, turin\u010dius prisijungimo prie s\u0105skaitos galimyb\u0119. Radus sau nepa\u017e\u012fstam\u0105 \u012frengin\u012f, j\u012f reikia nedelsiant pa\u0161alinti ir imtis papildom\u0173 apsaugos priemoni\u0173\u201c, \u2013 pabr\u0117\u017eia J. Iva\u0161ka. &nbsp;<\/p><p>Jis atkreipia d\u0117mes\u012f ir \u012f vien\u0105 re\u010diau minim\u0105, bet ne ma\u017eiau svarbi\u0105 saugumo sprag\u0105 \u2013 i\u0161 neai\u0161ki\u0173 platintoj\u0173 \u012fsigytus i\u0161maniuosius \u012frenginius.&nbsp;<\/p><p>\u201eJei telefon\u0105 \u012fsigyjate ne i\u0161 oficialaus atstovo ar telekomunikacij\u0173 bendrov\u0117s, visuomet i\u0161lieka nemaloni tikimyb\u0117, kad i\u0161manusis \u012frenginys gali b\u016bti i\u0161 anksto paveiktas \u2013 jame gali b\u016bti instaliuota kenk\u0117ji\u0161ka program\u0117l\u0117, gali tr\u016bkti tam tikr\u0173 saugumo architekt\u016bros element\u0173, be kuri\u0173 telefone papras\u010diau \u201eapeiti\u201c programin\u0119 apsaug\u0105, o kenk\u0117ji\u0161kos program\u0117l\u0117s gali lengviau perimti finansini\u0173 program\u0117li\u0173 duomenis\u201c, \u2013 persp\u0117ja banko atstovas.&nbsp;<\/p><p><strong>\u017dinokite, kas vyksta s\u0105skaitose&nbsp;<\/strong><\/p><p>J. Iva\u0161ka taip pat pataria reguliariai steb\u0117ti bankinius prane\u0161imus ir operacij\u0173 s\u0105ra\u0161\u0105, tikrinti s\u0105skaitos i\u0161ra\u0161us, o telefone \u012fsijungti momentinius prane\u0161imus apie mok\u0117jimus. Kilus \u012ftarimui d\u0117l neai\u0161ki\u0173 operacij\u0173, reik\u0117t\u0173 nedelsiant susisiekti su savo banku.&nbsp;<\/p><p>\u201eTaip pat der\u0117t\u0173 apgalvoti, \u012fsivertinti ir pagal asmeninius poreikius apriboti galim\u0173 atlikti operacij\u0173 limitus. Nusta\u010dius ribotas dienos ir m\u0117nesio mok\u0117jim\u0173 bei pavedim\u0173 sumas, tai taps papildomu saugumo faktoriumi, nusikalt\u0117liams \u012fsilau\u017eus \u012f i\u0161man\u0173j\u012f \u012frengin\u012f ir bankin\u0119 paskyr\u0105\u201c, \u2013 pastebi \u201eUrbo\u201c banko Verslo tarnybos direktorius.&nbsp;<\/p><p><strong>Pasir\u016bpinkite ir artimaisiais&nbsp;<\/strong><\/p><p>Dar kart\u0105 primindamas svarbiausias apsaugos nuo suk\u010di\u0173 taisykles \u2013 nespausti joki\u0173 \u012ftartin\u0173 nuorod\u0173 ir nevykdyti telefonu diktuojam\u0173 keist\u0173 nurodym\u0173 \u2013 J. Iva\u0161ka skatina \u0161ia tema edukuoti ir aplinkinius.&nbsp;<\/p><p>\u201ePasir\u016bpinkite ne tik savo, bet ir artim\u0173j\u0173 saugumu. Ypa\u010d vaikai, vyresnio am\u017eiaus t\u0117vai ar seneliai gali ir neb\u016bti gird\u0117j\u0119 apie nusikalt\u0117li\u0173 taikomas taktikas, tad ir jiems kylantis pavojus potencialiai yra didesnis. Nevenkite bendrauti \u0161iomis temomis \u2013 net ir paprastas paai\u0161kinimas, kad bankas niekada nepra\u0161o atskleisti jokios asmenin\u0117s informacijos, gali j\u016bs\u0173 artim\u0105 \u017emog\u0173 apsaugoti nuo skaud\u017ei\u0173 finansini\u0173 nuostoli\u0173\u201c, \u2013 sako J. Iva\u0161ka.<\/p>","protected":false},"excerpt":{"rendered":"<p>Atsiskaitant u\u017e prekes ir paslaugas, i\u0161 ki\u0161en\u0117s vis da\u017eniau traukiama ne fizin\u0117 pinigin\u0117 ir banko kortel\u0117, o mobilusis telefonas. Patogum\u0105, kai atsiskaitymams galima naudoti i\u0161man\u0173j\u012f \u012frengin\u012f, ypa\u010d vertina jaunimas. Finans\u0173&#8230; <\/p>\n","protected":false},"author":13,"featured_media":133673,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"pmpro_default_level":"","jetpack_post_was_ever_published":false,"_FSMCFIC_featured_image_caption":"Asociatyvi Shutterstock.com nuotr.","_FSMCFIC_featured_image_nocaption":"","_FSMCFIC_featured_image_hide":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[24],"tags":[],"class_list":["post-133672","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aktualijos","pmpro-has-access"],"featured_image_urls":{"full":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Nusikalteliu-taikinyje-ir-mobiliosios-pinigines-Asociatyvi-nuotr.-Shutterstock.jpg",1248,832,false],"thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Nusikalteliu-taikinyje-ir-mobiliosios-pinigines-Asociatyvi-nuotr.-Shutterstock-150x150.jpg",150,150,true],"medium":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Nusikalteliu-taikinyje-ir-mobiliosios-pinigines-Asociatyvi-nuotr.-Shutterstock-300x200.jpg",300,200,true],"medium_large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Nusikalteliu-taikinyje-ir-mobiliosios-pinigines-Asociatyvi-nuotr.-Shutterstock-768x512.jpg",768,512,true],"large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Nusikalteliu-taikinyje-ir-mobiliosios-pinigines-Asociatyvi-nuotr.-Shutterstock-1024x683.jpg",1024,683,true],"1536x1536":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Nusikalteliu-taikinyje-ir-mobiliosios-pinigines-Asociatyvi-nuotr.-Shutterstock.jpg",1248,832,false],"2048x2048":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Nusikalteliu-taikinyje-ir-mobiliosios-pinigines-Asociatyvi-nuotr.-Shutterstock.jpg",1248,832,false],"post-thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Nusikalteliu-taikinyje-ir-mobiliosios-pinigines-Asociatyvi-nuotr.-Shutterstock-600x400.jpg",600,400,true],"visualnews_post_thumb":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Nusikalteliu-taikinyje-ir-mobiliosios-pinigines-Asociatyvi-nuotr.-Shutterstock-600x400.jpg",600,400,true],"woocommerce_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Nusikalteliu-taikinyje-ir-mobiliosios-pinigines-Asociatyvi-nuotr.-Shutterstock-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Nusikalteliu-taikinyje-ir-mobiliosios-pinigines-Asociatyvi-nuotr.-Shutterstock-600x400.jpg",600,400,true],"woocommerce_gallery_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Nusikalteliu-taikinyje-ir-mobiliosios-pinigines-Asociatyvi-nuotr.-Shutterstock-100x100.jpg",100,100,true]},"author_info":{"info":["Gidas"]},"category_info":"<a href=\"https:\/\/www.santaka.info\/index.php\/category\/aktualijos\/\" rel=\"category tag\">Aktualijos<\/a>","tag_info":"Aktualijos","comment_count":"0","jetpack_featured_media_url":"https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Nusikalteliu-taikinyje-ir-mobiliosios-pinigines-Asociatyvi-nuotr.-Shutterstock.jpg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/133672","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/comments?post=133672"}],"version-history":[{"count":1,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/133672\/revisions"}],"predecessor-version":[{"id":133674,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/133672\/revisions\/133674"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media\/133673"}],"wp:attachment":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media?parent=133672"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/categories?post=133672"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/tags?post=133672"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}