{"id":245592,"date":"2026-06-25T12:55:39","date_gmt":"2026-06-25T08:55:39","guid":{"rendered":""},"modified":"-0001-11-30T00:00:00","modified_gmt":"-0001-11-29T20:00:00","slug":"","status":"publish","type":"post","link":"https:\/\/ucnoqta.az\/?p=245592","title":{"rendered":"Kartlardan pul silinib, yoxsa o\u011furlan\u0131b? –"},"content":{"rendered":"

Öt\u0259n gün ABB, AccessBank, ExpressBank, Yelo Bank v\u0259 dig\u0259r banklar\u0131n mü\u015ft\u0259ril\u0259rinin kart hesablar\u0131ndan v\u0259saitl\u0259r yoxa ç\u0131x\u0131b. Bu banklar\u0131n ortaq c\u0259h\u0259ti odur ki, ham\u0131s\u0131 Azericard prosessinq m\u0259rk\u0259zin\u0259 ba\u011fl\u0131d\u0131r.<\/strong><\/p>\n

ABB problemi "3-cü t\u0259r\u0259f provayderi" il\u0259 ba\u011fl\u0131 texniki nasazl\u0131qla izah edib. Azericard ba\u015f ver\u0259nl\u0259rin banklararas\u0131 hesabla\u015fma fayllar\u0131n\u0131n emal\u0131 zaman\u0131 yarand\u0131\u011f\u0131n\u0131, lakin s\u0259b\u0259bin "Azericard-dan as\u0131l\u0131 olmad\u0131\u011f\u0131n\u0131" bildirib. M\u0259rk\u0259zi Bank is\u0259 hadis\u0259nin kibermüdaxil\u0259 deyil, texniki s\u0259b\u0259bd\u0259n ba\u015f verdiyini, öd\u0259ni\u015f infrastrukturunda problem olmad\u0131\u011f\u0131n\u0131 aç\u0131qlay\u0131b. <\/p>\n

Amma problemin kökü v\u0259 m\u0259suliyy\u0259t indiy\u0259d\u0259k aç\u0131qlanmay\u0131b. Hans\u0131 ki, ictimai etimad bax\u0131m\u0131ndan \u0259n vacib m\u0259qam da el\u0259 budur.<\/p>\n

B\u0259s o\u011furluqdur, yoxsa sistem x\u0259tas\u0131?<\/strong><\/p>\n

Banklardan \u0259ld\u0259 etdiyim m\u0259lumatlar, mü\u015fahid\u0259l\u0259rim v\u0259 MB-nin aç\u0131qlamas\u0131 göst\u0259rir ki, ba\u015f ver\u0259nl\u0259r böyük ehtimalla kiber hücum deyil. <\/p>\n

Silinm\u0259l\u0259r t\u0259sadüfi deyil, real \u0259m\u0259liyyatlar\u0131n t\u0259krar\u0131d\u0131r.V\u0259saitl\u0259r d\u0259rhal geri qaytar\u0131l\u0131r, balanslar avtomatik b\u0259rpa olunur. Bu, o\u011furlu\u011fun yox, dublikasiyan\u0131n oldu\u011funu göst\u0259rir. Y\u0259ni "pulu aparan" k\u0259nar, yaxud kiber müdaxil\u0259 deyil, banklar\u0131n öz informasiya sistemidir.<\/p>\n

Kimdir günahkar?<\/strong><\/p>\n

Bir neç\u0259 müst\u0259qil bank\u0131n eyni anda eyni probleml\u0259 üzl\u0259\u015fm\u0259si yaln\u0131z ortaq bir halqa il\u0259 izah oluna bil\u0259r. Bu z\u0259ncird\u0259 ortaq element ikidir: MB-nin hesabla\u015fma infrastrukturu v\u0259 Azericard prosessinqi. <\/p>\n

MB öz infrastrukturunda problem olmad\u0131\u011f\u0131n\u0131 birm\u0259nal\u0131 aç\u0131qlad\u0131\u011f\u0131na gör\u0259, m\u0259ntiql\u0259 ortaq element kimi Azericard qal\u0131r. <\/p>\n

Onun "hadis\u0259 m\u0259nim \u0259razimd\u0259 olub, amma günah m\u0259nd\u0259 deyil" tipli dumanl\u0131 aç\u0131qlamas\u0131 da problemin böyük ehtimalla m\u0259hz prosessinq m\u0259rk\u0259zind\u0259ki emalda oldu\u011funa i\u015far\u0259 edir.<\/p>\n

Üst\u0259lik d\u0259, hesabla\u015fma z\u0259ncirind\u0259 bir anomaliya ba\u015f verirs\u0259, sistem onu d\u0259rhal a\u015fkarlay\u0131b bloklamal\u0131 idi. <\/p>\n

Anomaliyan\u0131n tutulmamas\u0131 v\u0259 t\u0259krar \u0259m\u0259liyyatlar\u0131n eyni anda bir neç\u0259 bank\u0131 vurmas\u0131 göst\u0259rir ki, bel\u0259 kritik qurumda bu mexanizml\u0259r ya yoxdur, ya da t\u0259kmil deyil.<\/p>\n

Dü\u015fünür\u0259m ki, bel\u0259 bir x\u0259tadan sonra MB daha s\u0259rt add\u0131mlar atmal\u0131 idi. <\/p>\n

Problem ABB-d\u0259, yaxud dig\u0259r banklarda deyil, m\u0259hz MB-nin n\u0259zar\u0259ti v\u0259 lisenziyas\u0131 alt\u0131nda i\u015fl\u0259y\u0259n qurumda – Azericard-da yaran\u0131b. Xat\u0131rladaq ki, \u0259vv\u0259ll\u0259r d\u0259 burada problemli situasiyalar olub. <\/p>\n

Ümid edir\u0259m, MB hadis\u0259ni ara\u015fd\u0131r\u0131b ciddi audit t\u0259\u015fkil ed\u0259c\u0259k.<\/p>\n

Banklardan is\u0259 z\u0259r\u0259r ç\u0259k\u0259nl\u0259r\u0259 qar\u015f\u0131 h\u0259ssasl\u0131q gözl\u0259nilir.<\/p>\n

Osman Gündüz 
\n"A\u0130F" prezidenti<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Öt\u0259n gün ABB, AccessBank, ExpressBank, Yelo Bank v\u0259 dig\u0259r banklar\u0131n mü\u015ft\u0259ril\u0259rinin kart hesablar\u0131ndan v\u0259saitl\u0259r yoxa ç\u0131x\u0131b. Bu banklar\u0131n ortaq c\u0259h\u0259ti odur ki, ham\u0131s\u0131 Azericard prosessinq m\u0259rk\u0259zin\u0259 ba\u011fl\u0131d\u0131r. ABB problemi "3-cü…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[],"tags":[],"class_list":["post-245592","post","type-post","status-publish","format-standard","hentry"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/245592","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=245592"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/245592\/revisions"}],"wp:attachment":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=245592"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=245592"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=245592"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}