Modus Penipuan Bank dan Cara Menghindarinya

 Transaksi bank saat ini sangat mudah sehingga jadi rawan penipuan

VIVAnews - Kemajuan teknologi berdampak positif pada mudah dan cepatnya transaksi perbankan. Saat ini Anda dapat melakukan transaksi perbankan di mana saja dan kapan saja, melalui internet (e-banking), telepon selular (m-banking), telepon (phone banking), atau pun pesan singkat (sms-banking).

Akan tetapi, selain memberikan kemudahan, beragam transaksi ini juga dapat disalahgunakan. Maka diperlukan kehati-hatian para nasabah. Untuk itu pastikan mengetahui beberapa modus operasi kejahatan perbankan.

Berdasarkan data Bank Indonesia (BI) tingkat kejahatan perbankan mengalami kenaikan. Pada Mei tercatat 1.009 kasus fraud yang dilaporkan dengan nilai kerugian mencapai Rp2,37 miliar.  Jenis fraud paling banyak adalah pencurian identitas dan Card Not Present, masing-masing sebanyak 402 kasus dan 458 kasus. Nilai kerugian masing-masing Rp1,14 miliar dan Rp545 juta yang dialami 18 penerbit.

Berikut ini adalah sejumlah tips yang anda perlukan untuk menghindari dari tindak kejahatan perbankan:

1.  Penipuan lewat teleponDilakukan oleh pelaku kejahatan dengan menelepon Anda dan mengabarkan Anda mendapat hadiah, keluarga mengalami musibah atau menyatakan minat atas barang yang Anda iklankan. Berdasarkan hal tersebut si penelepon akan ”memandu” Anda untuk menuju ATM dan menuntun Anda mengikuti instruksi penelpon.

Cara menghindarinya:
Cek dulu identitas penelepon. Segera tutup telepon dan lakukan pengecekan atas informasi yang Anda terima. Pada umumnya perusahaan penyelenggara undian tidak meminta pemenang untuk mentransfer sejumlah dana kepada perusahaan penyelenggara.

Modus lain jika Anda menerima telepon yang mengabarkan bahwa keluarga Anda mengalami musibah, jangan panik dan jangan mengikuti perintah penelepon. Tanyakan indentitas penelepon dan lakukan pengecekan.

2. Penipuan lewat emailAda kalanya Anda menerima email yang seolah-olah berasal dari bank dan kelihatannya asli. Dalam modus ini pelaku kejahatan meminta Anda memasukkan nomor rekening, dan nomor PIN.

Cara lainnya adalah membuat website alamat bank Anda yang seolah-olah asli tetapi sebenarnya palsu. Anda akan diminta untuk memasukkan nomor rekening dan nomor PIN Anda dalam website ini dengan ”alasan” untuk pengkinian data pribadi Anda.

Cara menghindarinya:
Jangan pernah membalas email yang meminta Anda memasukkan nomor rekening (atau user-id) dan nomor PIN. Tidak mungkin bank Anda meminta data pribadi melalui email karena bank sudah memiliki informasi tersebut. Jika Anda masuk ke website bank Anda untuk melakukan transaksi, pastikan alamat website Anda sudah benar dan Anda memiliki prosedur keamanan tambahan seperti token, di samping user-id dan password.  

3. Penipuan melalui penawaran investasi dengan imbalan bunga tinggiDalam modus ini suatu perusahaan menawarkan investasi dengan janji akan memberikan imbal hasil yang sangat tinggi. Berhati-hatilah dengan penawaran seperti ini karena terdapat sejumlah penawaran yang terbukti tidak dapat memenuhi imbal hasil sebagaimana dijanjikan.

Cara menghindarinya:
Tanyakan pada diri Anda apakah wajar imbalan bunga yang sangat tinggi atas investasi Anda. Lakukan pengecekan terlebih dulu atas kredibilitas perusahaan yang menawarkan investasi. Yakinkan Anda terlindungi dari sisi hukum sebelum memutuskan untuk melakukan suatu investasi.

4. Penipuan dengan menggunakan kartu kredit di internetSekarang ini semakin banyak toko atau merchant yang menawarkan produk dan jasa melalui telepon ataupun internet, dengan kemudahan pembayaran menggunakan kartu kredit. Anda hanya diminta untuk menyebutkan nomor kartu kredit, masa berlaku (expiry date), dan 3 (tiga) digit kode rahasia yang tertera di bagian belakang kartu kredit Anda, lalu transaksi pun terlaksana.

Cara menghindarinya:
Pastikan Anda mengerti tentang produk dan jasa yang ditawarkan dari toko atau merchant tersebut, serta memahami tentang syarat & ketentuan dari barang atau jasa yang ditawarkan. Jangan berikan nomor kartu kredit, masa berlaku dan 3 (tiga) digit kode rahasia yang terletak di bagian belakang kartu kredit Anda, kepada siapapun sebelum Anda menyetujui manfaat produk dan jasa yang ditawarkan.

5. Pemalsuan nomor call centerDalam modus ini pelaku kejahatan membuat seolah-olah mesin ATM bank Anda rusak dan kartu Anda tertelan. Karena panik, Anda tanpa sadar akan menghubungi nomor call center ”palsu” yang ada di sekitar mesin ATM. Kemudian Anda akan diminta penerima telepon untuk menyebutkan nomor PIN dan dijanjikan bahwa kartu ATM pengganti akan segera dikirimkan. Dengan berbekal PIN dan kartu Anda, pelaku kejahatan akan mengambil uang Anda.

Cara menghindarinya:
Catat nomor telepon 24 jam dari bank di mana Anda menjadi nasabah. Jika Anda menghubungi nomor tersebut, pada umumnya Anda akan dijawab oleh mesin penjawab otomatis dan diminta untuk memasukkan pilihan jasa tertentu.

Anda dapat memilih menu yang langsung terhubung dengan bagian pelayanan nasabah. Jangan pernah memberikan nomor PIN karena bank tidak akan pernah meminta nomor PIN nasabahnya. (ren)

UK: Another Example of IT Malpractice With Bad Health IT (BHIT) Affecting Thousands of Patients, But, As Always, Patient Care Was "Not Compromised"

At my Dec. 2011 post "IT Malpractice? Yet Another "Glitch" Affecting Thousands of Patients. Of Course, As Always, Patient Care Was "Not Compromised" and others, I noted:

... claims [in stories regarding health IT failure] that "no patients were harmed" ... are both misleading and irrelevant:

Such claims of 'massive EHR outage benevolence' are misleading, in that medical errors due to electronic outages might not appear for days or weeks after the outage ... Claims of 'massive EHR outage benevolence' are also irrelevant in that, even if there was no catastrophe directly coincident with the outage, their was greatly elevated risk. Sooner or later, such outages will maim and kill.

Here is a prime example of why I've opined at my Sept. 2012 post "Good Health IT (GHIT) v. Bad Health IT (BHIT): Paper is Better Than The Latter" that a good or even average paper-based medical record keeping system can facilitate safer and better provision of care than a system based on bad health IT (BHIT).

Try this with paper:

NHS 'cover-up' over lost cancer patient records

Thousands awaiting treatment were kept in the dark for five months when data disappeared

Sanchez Manning
The Independent
Sunday 30 September 2012

Britain's largest NHS trust took five months to tell patients it had mislaid medical records for thousands of people waiting for cancer tests and other urgent treatments. Imperial College Healthcare NHS Trust discovered in January that a serious computer problem and staff mistakes had played havoc with patient waiting lists.

It's quite likely the "serious computer problem" far outweighed the impact of "staff mistakes", as disappearing computer data does so in a "silent" manner.  One does not realize it's missing as there's not generally a trail of evidence that it's gone.

About 2,500 patients were forced to wait longer on the waiting lists than the NHS's targets, and the trust had no idea whether another 3,000 suspected cancer patients on the waiting list had been given potentially life-saving tests. Despite the fact that the trust discovered discrepancies in January and was forced to launch an internal review into the mess, including 74 cases where patients died, it did not tell GPs about the lost records until May.

That is, quite frankly, outrageous if true and (at least in the U.S.) might be considered criminally negligent (failure to use reasonable care to avoid consequences that threaten or harm the safety of the public and that are the foreseeable outcome of acting in a particular manner).

Revelations about the delay prompted a furious response yesterday from GPs, local authorities and patients' groups. Dr Tony Grewal, one of the GPs who had made referrals to Imperial, said doctors should have been told sooner to allow them to trace patients whose records were missing. "The trust should have contacted us as soon as it was recognised that patients with potentially serious illnesses had been failed by a system," he said. "GPs hold the ultimate responsibility for their patient care."

That is axiomatic.

The chief executive of the Patients Association, Katherine Murphy, added: "This is unacceptable for any patient who has had any investigation, but especially patients awaiting cancer results, where every day counts. The trust has a duty to contact GPs who referred the patients. It's unfair on the patients to have this stress and worry, and the trust should not have tried to hide the fact that they had lost these records. They should have let the GPs know at the outset."

Unfair to the patients is an understatement,  However, if one's attitude is that computers have more rights than patients, as many on the health IT sector seem to with their ignoring of patient rights such as informed consent, lack of safety regulation, and lack of accountability, then it's quite acceptable.

The trust defended the delay in alerting GPs, arguing that it needed to check accurately how much data it had lost before making the matter public. It said a clinical review had now concluded that no one died as a result of patients waiting longer for tests or care.

That would be perhaps OK if the subjects whose "data had been lost" through IT malpractice were lab rats.

Despite this, three London councils – Westminster, Kensington and Chelsea, and Hammersmith and Fulham – are deeply critical of the way the trust handled the data loss. Sarah Richardson, a Westminster councillor who heads the council's health scrutiny committee, said that trust bosses had attempted to "cover up" the extent of the debacle. "Yes, they've done what they can but, in doing so, [they] put the reputation of the trust first," she said. "Rather than share it with the GPs, patients and us, they thought how can we manage this information internally. They chose to consider their reputation over patient care."

As at my Oct. 2011 post "Cybernetik Über Alles: Computers Have More Rights Than Patients?", to be more specific, they may have put the reputation of the Trust's computers first. 

Last week, it was revealed that Imperial has been fined £1m by NHS North West London for the failures that led to patient data going missing. On Wednesday, an external review into the lost records said a "serious management failure" was to blame for the blunder.

Management of what, one might ask?

Imperial's chief financial officer, Bill Shields, admitted at a meeting with the councils that the letter could have been produced more quickly. He said that, at the time, the trust had operated with "antiquated computer systems" and had a "light-touch regime" on elective waiting times.

Version 2.0A will, as again is a typical refrain, fix all the problems.

Terry Hanafin, the leading management consultant who wrote the report, said the data problems went back to 2008 and had built up over almost four years until mid-2011. Mr Hanafin said the priorities of senior managers at that time were the casualty department and finance.

Clinical computing is not business computing, I state for the thousandth time.  When medical data is discovered "lost", the only response should be ... find it, or inform patients and clinicians - immediately.

He further concluded that while the delays in care turned out to be non-life threatening, they had the potential to cause pain, distress and, in the case of cancer patients, "more serious consequences" ... The trust said it had found no evidence of clinical harm and stressed that new systems have now been implemented to record patient data. It denied trying to cover up its mistakes or put its reputation before concerns for patients. "Patient safety is always our top priority," said a spokesman.

"More serious consequences" is a euphemism for horrible metastatic cancer and death, I might add.  The leaders simply cannot claim they "found no evidence of clinical harm" regarding delays in cancer diagnosis and treatment until time has passed, and followup studies performed on this group of patients.

This refrain is evidence these folks are either lying, CYA-style, or have no understanding of clinical medicine whatsoever - in which case their responsibilities over the clinic need to be ended in my opinion.

I, for one, would like to know the exact nature of the "computer problem", who was responsible, and if it was a software bug, how such software was validated and how it got into production.

-- SS

Oct. 1, 2012 Addendum:

What was behind the problems, according to another source?   

Bad Health IT (BHIT):

Poor IT behind Imperial cancer problems
e-Health Insider
28 September 2012
Rebecca Todd

An independent review of data quality issues affecting cancer patient referrals to Imperial College Healthcare NHS Trust has identified “poor computer systems” as a key cause of the problem.

The review’s report highlights the trust’s use of up to 17 different IT systems as causing problems for patient tracking.

However, it says the trust should be aware of the risks of [replacing the BHIT and] moving to a single system, Cerner Millennium, because of reported problems in providing performance data after similar moves at other London trusts.

In January 2012, the report says the NHS Intensive Support Team was reviewing the way reports on cancer waiting times were created from Imperial’s cancer IT system, Excelicare.

The team discovered that almost 3,000 patients were still on open pathways who should have been seen within two weeks. In May, letters were sent to GPs to try and ascertain the clinical status of around 1,000 patients.

BHIT must be forbidden from real-world deployments, and fixed rapidly or dismantled (as Imperial College Healthcare NHS Trust appears to be doing), although the "solution" might be just as bad, or worse, than the disease.

-- SS

Does a high animal protein/fat diet forestall obesity?

Don Matesz had an interesting blog post the other day that I tweeted:  Grass-Fed Animal Products Prevent Obesity and Cardiovascular Disease?  He writes:

Not for Mongolians.

Mongols eat a diet largely composed of milk products, meat, and fat from free-ranging, organic, grass-fed animals. They consume few plant foods because few edible plants grow in the cold continental climate of Mongolia. The climate forced them into a natural experiment in low-carb nutrition based on grass-fed animal products.

I have an interest in Mongolians because there's definitely some influence of these people in my husband's ancestral line.   I went looking for any peer review literature that might address the Mongolians and found an interesting article.  But before that, I also found some other info.  Don points out in a note to WAPF (presumably aimed at their promotion of raw milk) that the Mongols boiled their milk and made cheese from it.  But one of the accountings of the diets comes from the WAPF site:  Diet of Mongolia.  

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Jimmy Moore: Unwavering Dishonesty, The Early Years

Apparently some people belonging to a private paleo FB group aren't receiving Jimmy's recent message of divisiveness too kindly.   One of the reasons I blogged on his latest attempt at dividing the paleo community is because most people -- paleo or low carbers -- who are new to the community, have no clue who this Jimmy Moore guy is and what he stands for.  I would still be hugely surprised to learn that most of the paleo peeps weren't caught off guard when they met Jimmy at AHS11, PaleoFX or any of the other events in the past couple of years.   Just listening to his original podcast or reading the odd blog post (that I'm convinced few if any ever do), it would be easy to see how one might have no clue what really makes this huge influence in the community tick.  And it is exactly his continued influence over the dialog that will keep him on my radar here, especially since he has been so contradictory and disingenuous over the years.  So on IPMG, Jimmy responded to some criticism with two questionable statements:

Anybody who reads my blog regularly knows I am dead honest in all of the things I share there. That's something my readers expect and I give it to them straight.

and 

I've remained quite consistent in my position since the very beginning of my blog in 2005: find what works for you, follow it exactly as prescribed and then keep doing it for the rest of your life. I've never wavered from this message one iota.

These sorts of statements are nothing new for Jimmy, I could have sourced similar from any number of blogs and comments and podcasts over the years ... but these two particular versions are important for their certitude and lack of any wiggle room left for clarity.  Adding in the frequency with which he has repeated such sentiments over the years, and his insistence on continuing to repeat them is rather damning to Jimmy's credibility as any sort of "leader", as well as his personal and professional integrity.   

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Dysregulation of Glucose Handling: Underlying Defect, Permanent Damage or Fixable Milieu?

How many times have you heard some version of the following?

• Sure starches are OK for 20-something CrossFitters
• My body just can't tolerate carbohydrates
• If I hadn't damaged my metabolism, maybe I could eat carbs now, but I can't
• I used up my carb allotment as a kid so I can't eat them now (I blew out my pancreas)
• Type II diabetes is a disease of carbohydrate intolerance

The list could go on.

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