提款机防复制装置 为何无法阻止盗提？
● 李蕙心
星展银行存户的存款被人盗提事件，引发了人们对提款机提款安全热议。
尤其让人费解的是，银行都声称属下提款机装有防复制设备，为何还是无法阻止歹徒盗提存款。
星展银行发言人在前天的记者会上说，每台新提款机都采用最新防复制设备，而且会定期更新。发言人说，案件还在调查中，行方暂时仍无法公开歹徒干案手法。
受访的保安专家也无法回答这个问题，但网络保安公司e-Cop的总裁李庆金指出，要复制提款卡资料只需要一个阅卡器就行了。
除了提款机，还可装在各种自动付费机上，使用者若没有留意，插进提款卡，阅卡器就可读取卡上磁片（magnetic stripe）里的银行账号等资料。歹徒再把资料输入到另一张有磁片的卡，假提款卡就复制完成。
歹徒也会在附近安装小型摄像头，拍下存户在提款机按键上按下的密码，有了卡和密码就能到提款机提款。李庆金补充说：“歹徒可以用无线遥控摄像镜头，所以要记录数百个密码是很容易的事。”
磁片卡的资料比装有晶片的智能卡更容易被复制，其安全性令人怀疑。
为银行提供提款机保安服务的Gemalto公司市场安全转帐部总监维尔敏（Cyril Villemin）就建议，改用晶片型提款卡。这在欧洲、南美洲、加拿大和马来西亚相当普遍，有效降低存款被盗提案的发生。
星展银行新加坡总监林森成在回答记者提问时说，要每个商家都更换阅卡器是非常困难的事，尤其是在国外，但环境和时机对的话，银行会改用智能卡。
如何预防盗提？
●只需在提款机“更多服务”（More Services）第二页的“更换在国外使用提款卡”（Change ATM Card Overseas Access）选项里按下禁用按钮，便可禁止他人在国外提款机盗提存款，即使是复制卡也不能。
●选择使用灯光充足而且位置安全的提款机提款，若提款机旁出现可疑人物，就到别处提款。
●提款时，提款机有异，立即取消交易，选择使用别处的提款机或通知银行。
●可从提款机的镜子察看背后有没人偷看密码，按键输入密码时用掌心或皮包遮盖。
●若提款卡遗失或被提款机扣留，须立即联络银行。
●完成提款交易后，立即收好提款卡、现金与发票。
●不要向任何人透露银行或提款卡密码，即使有人声称是银行职员向你索取密码。
●定期更换提款卡密码。
●留心日常帐户存款提取，若发现任何可疑交易，立即与银行联络。
●设定较为复杂的提款卡密码。
～以上新闻转载自早报网～
2012年1月9日星期一
2011年5月10日星期二
车祸后修车索赔 须通知对方保险公司验车
车祸后修车索赔 须通知对方保险公司验车
从本月1日起，车辆涉及相撞交通事故并要求肇祸司机赔偿的车主，必须在修车前通知对方保险公司视察车辆损毁情况，而对方的保险公司则必须在接到通知后的48小时内，派人前往视察。
若车主违例没有通知赔偿方保险公司就修车，可能会被罚款。
保险公司若48小时没派人视察 车主可以开始修车
在初级法庭制定的非伤车辆交通事故案诉讼前规程下(Pre-action Protocol for Non-Injury Motor Accident Cases)，如果保险公司没有在接获通知后的48小时内（周末和公共假期除外），派人视察损毁的车辆，车主可以开始修车并索赔。
从接到通知到派人到修车厂视察的这段期间，车主不能使用也不能修车，因此保险公司也必须给予赔偿。
新加坡普通保险协会会长赵清标昨天在罗敏申路的办公室对记者说，在新的规定下，保险公司必须在两天内开始处理修车赔偿，车主将能更早获得赔偿金。
他说:“保险公司人员将能看到损毁情况，也知道预估的修车费是多少，而如果该负责的部分很明显，保险公司可能会当场批准，这等同于同意赔偿。”
《联合早报》
从本月1日起，车辆涉及相撞交通事故并要求肇祸司机赔偿的车主，必须在修车前通知对方保险公司视察车辆损毁情况，而对方的保险公司则必须在接到通知后的48小时内，派人前往视察。
若车主违例没有通知赔偿方保险公司就修车，可能会被罚款。
保险公司若48小时没派人视察 车主可以开始修车
在初级法庭制定的非伤车辆交通事故案诉讼前规程下(Pre-action Protocol for Non-Injury Motor Accident Cases)，如果保险公司没有在接获通知后的48小时内（周末和公共假期除外），派人视察损毁的车辆，车主可以开始修车并索赔。
从接到通知到派人到修车厂视察的这段期间，车主不能使用也不能修车，因此保险公司也必须给予赔偿。
新加坡普通保险协会会长赵清标昨天在罗敏申路的办公室对记者说，在新的规定下，保险公司必须在两天内开始处理修车赔偿，车主将能更早获得赔偿金。
他说:“保险公司人员将能看到损毁情况，也知道预估的修车费是多少，而如果该负责的部分很明显，保险公司可能会当场批准，这等同于同意赔偿。”
《联合早报》
2011年3月30日星期三
车祸 Car Accident - 4
Classic Quote from HWZ
I don't know why so many negative feedback even yourself is not confident so looking for 50-50. I would think you should get 90% and it will not affect your NCD.
The prerequisites are:
1, you can prove or he would not deny that he was from minor road. Yes, you have right-of-way and sure should win (don' tell the scene was 30 meters from the juntion already)
2, you could further prove he was changing lane, so he sure would lose. likely, as his portion was right back and yours ..., and if you have the photo shows his car is not straight would be great
The claim would take some time which your lawyer would advise you already. I think you should get it. Have to be patient! His insurance may counter propose $1800 to you, and they may not verify with that old driver as it won't worth to fight for this <3000 claim.
The insurance companys work like that, today you claim me, tomorrow I claim you. Next year raise premiums for all, and doubled premiums for those being claimed drivers/owners. It would be not worth to fight in the court.
So, if unfortunate you get 50% only or less, what you can do as your Q. You could continue to engage the lawyer to fight for the case, until to court. But, I won't recommend that. You should still remember the case of the primary school teacher. You can fight, if you win, you get 1000-2000, if you lose, you go bankrupt (due to very very expensive legal costs).
Bear with it (your own insurance company would require you pay the first 500 or something, you can decide whether worth to claim your own insurance)
I agree with all the people, that we should practise defensive driving. It seems you were able to prevent this, as you signal, check blind spot, change lane... better don't mention this too much. If me, I would not say I checked the blind spot; you check the rear mirror regularly so you sure there was no car behind and no time to check blind spot again, just did E brake
Good luck, I think it will be good.
I don't know why so many negative feedback even yourself is not confident so looking for 50-50. I would think you should get 90% and it will not affect your NCD.
The prerequisites are:
1, you can prove or he would not deny that he was from minor road. Yes, you have right-of-way and sure should win (don' tell the scene was 30 meters from the juntion already)
2, you could further prove he was changing lane, so he sure would lose. likely, as his portion was right back and yours ..., and if you have the photo shows his car is not straight would be great
The claim would take some time which your lawyer would advise you already. I think you should get it. Have to be patient! His insurance may counter propose $1800 to you, and they may not verify with that old driver as it won't worth to fight for this <3000 claim.
The insurance companys work like that, today you claim me, tomorrow I claim you. Next year raise premiums for all, and doubled premiums for those being claimed drivers/owners. It would be not worth to fight in the court.
So, if unfortunate you get 50% only or less, what you can do as your Q. You could continue to engage the lawyer to fight for the case, until to court. But, I won't recommend that. You should still remember the case of the primary school teacher. You can fight, if you win, you get 1000-2000, if you lose, you go bankrupt (due to very very expensive legal costs).
Bear with it (your own insurance company would require you pay the first 500 or something, you can decide whether worth to claim your own insurance)
I agree with all the people, that we should practise defensive driving. It seems you were able to prevent this, as you signal, check blind spot, change lane... better don't mention this too much. If me, I would not say I checked the blind spot; you check the rear mirror regularly so you sure there was no car behind and no time to check blind spot again, just did E brake
Good luck, I think it will be good.
2011年3月29日星期二
车祸 Car Accident - 3
By the time if the driver refuse to sign, it means if he left the scene he will shirk all responsibility and claim its your fault. When you call the police to come, they will settle the dispute where both parties will describe the story. You will also tell the police that the lorry driver has admitted his fault but refuse to acknowledge in writing.
Most times, those who are in the wrong will not want to involve traffic police. When the traffic police came, they will write down details and timing and occurence at the accident scene for reference. It will help when you try to make a claim against the lorry driver.
A lot of people are afraid that when traffic police comes down, demerit points will be awarded. But if you have the right of way and reasonable case, even if demerit points awarded to you, you can write in. Some times few points and few thousands in repairs, best to settle who should be liable for repairs and claims on the spot.
Most times, those who are in the wrong will not want to involve traffic police. When the traffic police came, they will write down details and timing and occurence at the accident scene for reference. It will help when you try to make a claim against the lorry driver.
A lot of people are afraid that when traffic police comes down, demerit points will be awarded. But if you have the right of way and reasonable case, even if demerit points awarded to you, you can write in. Some times few points and few thousands in repairs, best to settle who should be liable for repairs and claims on the spot.
2011年3月26日星期六
车祸 Car Accident - 2
Once he admit on the spot its his fault, you have to prepare a letter to idemnify all responsibility on your part. If the lorry driver do not want to sign on this letter, and do not private settle on the spot, call 999, for traffic police and say traffic dispute. A police vehicle will come by very soon.
Never leave vehicle scene without settlement, without letter of indemnity. All disputes have to be settled immediately because once you let people go, they can find a lot of people for help to worm their way through. As what is going to happen. Don't need to be afraid of calling police, because this is considered a traffic dispute if the lorry driver refuse to sign on your letter and shirk responsibility.
Never leave vehicle scene without settlement, without letter of indemnity. All disputes have to be settled immediately because once you let people go, they can find a lot of people for help to worm their way through. As what is going to happen. Don't need to be afraid of calling police, because this is considered a traffic dispute if the lorry driver refuse to sign on your letter and shirk responsibility.
2011年3月23日星期三
车祸 Car Accident
下午我的货车跟人家发生口交，导致内伤，血流不止。西北心痛。T.T
宝贵经验：以后劝大家，发生车祸第一件事不要先移车，应该先拍照，最好拍到车牌跟不同角度，拍越多越好，之后再移车。共勉之。
Upon a car accident, please do not remove the car immediately. Instead, take down the photos of the cars involved, from different angle, and make sure the registration plate is clearly taken.
宝贵经验：以后劝大家，发生车祸第一件事不要先移车，应该先拍照，最好拍到车牌跟不同角度，拍越多越好，之后再移车。共勉之。
Upon a car accident, please do not remove the car immediately. Instead, take down the photos of the cars involved, from different angle, and make sure the registration plate is clearly taken.
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