{"id":15595,"date":"2026-01-21T12:53:45","date_gmt":"2026-01-21T07:53:45","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi\/"},"modified":"2026-01-21T12:53:45","modified_gmt":"2026-01-21T07:53:45","slug":"ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi\/","title":{"rendered":"O\u2018zbekistonda to\u2018lov ilovalarida onlayn firibgarlikka qarshi qoidalar kuchaytirildi"},"content":{"rendered":"<h3>Nega bu muhim<\/h3>\n<p>Yangi qoidalar ommabop to\u2018lov ssenariylaridagi asosiy xavfsizlik sozlamalarini to\u2018g\u2018ridan-to\u2018g\u2018ri o\u2018zgartiradi: karta va invoyslarni ulash, P2P o\u2018tkazmalari, yangi qurilmadan kirish va kirishni tiklash. Asosiy ta\u2019sir \u2014 firibgarlarning \u201cbegona\u201d raqamlar, hisoblar va fotosurat bo\u2018yicha o\u2018chirilgan identifikatsiyadan foydalanish imkoniyatlarining pasayishi. Foydalanuvchilar uchun bu odatiy bo\u2018lmagan vaziyatlarda ko\u2018proq tekshiruvlar va cheklovlarni (kodni kiritishda xatolar, qurilmani almashtirish) anglatadi, xizmatlar uchun esa \u2014 liveness-tekshiruvini qo\u2018llash va ma\u2019lumotlarni qat\u2019iyroq tekshirish majburiyati.  <\/p>\n<h3>Nima bo\u2018ldi<\/h3>\n<ul>\n<li>O\u2018zbekistonda mobil ilovalardan foydalanishda onlayn firibgarlikka qarshi talablar <a href=\"https:\/\/t.me\/pravoinf\/9684\">kuchaytirildi<\/a>.<\/li>\n<li>Hisobga bank hisobvaraqlari, kartalar va elektron hamyonlarni ulash, shuningdek, P2P o\u2018tkazmalariga cheklovlar joriy etildi: ular faqat hisob egasi yoki uning yaqin qarindoshlari uchun ruxsat etiladi.<\/li>\n<li>Shuningdek, telefon raqami va JSHSHIR muvofiqligini tekshirish, biometrik identifikatsiyalashda \u201cjonli ishtirok etish\u201d talabi, kodni kiritishdagi xatoliklar va yangi qurilmadan kirishda bir qator texnik choralar joriy etilmoqda.<\/li>\n<\/ul>\n<h3>Raqamlar va faktlar<\/h3>\n<ul>\n<li>Mobil ilovadagi akkauntga faqat foydalanuvchiga yoki uning yaqin qarindoshlariga tegishli bo\u2018lgan bank hisobvaraqlari, bank kartalari va elektron hamyonlarni ulash mumkin, akkaunt orqali P2P o\u2018tkazmalariga ham xuddi shu shartlarda ruxsat beriladi.<\/li>\n<li>Telefon raqami va JSHSHIR mosligi tekshiriladi, mos kelmasa, ilovada ro\u2018yxatdan o\u2018tish va bank kartasini biriktirishga ruxsat berilmaydi.<\/li>\n<li>Kredit va to\u2018lov tashkilotlari biometrik identifikatsiyalashda liveness (jonli mavjudlik) omillarini aniqlashi shart, ya\u2019ni fotosurat bo\u2018yicha identifikatsiyalash mumkin emas.<\/li>\n<li>SMSdan bir martalik kodni kiritishga uch marta noto\u2018g\u2018ri urinishda foydalanuvchining ilovadagi harakatlari vaqtincha 15 daqiqaga cheklanadi.<\/li>\n<li>Hisobga boshqa qurilmadan kirilganda yoki parol tiklanganda hisobingizga biriktirilgan barcha bank kartalari ilovadan avtomatik o\u2018chirib tashlanadi.<\/li>\n<li>Shuningdek, qurilmadan bank kartalari bo\u2018yicha moliyaviy operatsiyalar tarixi ham o\u2018chirib tashlanadi.<\/li>\n<li>Bank kartalarini qayta ulash faqat biometrik identifikatsiyadan o\u2018tgandan keyingina mumkin.<\/li>\n<\/ul>\n<h3>Mohiyat<\/h3>\n<ul>\n<li>Foydalanuvchilarga \u201cakkauntni ulashish\u201d yoki kartani boshqalarning ma\u2019lumotlariga bog\u2018lash, firibgarlarga esa raqam va shaxs nomutanosibligidan foydalanish yoki fotosurat orqali biometriyani chetlab o\u2018tish qiyinroq bo\u2018ladi.<\/li>\n<li>Telefonni almashtirganingizda yoki yangi qurilmadan kirganingizda, jarayon yanada \u201cqattiqroq\u201d bo\u2018ladi: kartalar avtomatik ravishda o\u2018chiriladi va SMS-kod bilan bog\u2018liq xatolardan keyin kirish vaqtincha bloklanishi mumkin.<\/li>\n<li>Xizmatlar va banklar uchun \u201ctelefon \u2014 JSHSHIR\u201d bog\u2018lanishini tekshirish va nazorat qilish asosiy talabga aylanmoqda, bu esa hisoblarni egallab olish va ruxsatsiz pul o\u2018tkazmalarining odatiy sxemalarini qisqartirishi kerak.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Kartalarni ulash va P2P o\u2018tkazmalari faqat hisob egasiga yoki yaqin qarindoshlariga ruxsat beriladi, telefon va JSHSHIR mos kelmasa, ro\u2018yxatdan o\u2018tish taqiqlanadi.<\/p>\n","protected":false},"author":7,"featured_media":15587,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2026\/01\/69708eda6e7ea.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":15587,"YlB8HH34jIzY":"O\u2018zbekistonda to\u2018lov ilovalarida onlayn firibgarlikka qarshi qoidalar kuchaytirildi"},"pin_until":"","footnotes":""},"categories":[622],"tags":[634,3542,3780],"class_list":["post-15595","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-banklar","tag-firibgarlikdan-himoya-qilish","tag-mobil-ilovalar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.0 (Yoast SEO v25.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>O\u2018zbekistonda to\u2018lov ilovalarida onlayn firibgarlikka qarshi qoidalar kuchaytirildi &#8212; Frank.uz<\/title>\n<meta name=\"description\" content=\"Kartalarni ulash va P2P o\u2018tkazmalari faqat hisob egasiga yoki yaqin qarindoshlariga ruxsat beriladi, telefon va JSHSHIR mos kelmasa, ro\u2018yxatdan o\u2018tish taqiqlanadi.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi\/\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"O\u2018zbekistonda to\u2018lov ilovalarida onlayn firibgarlikka qarshi qoidalar kuchaytirildi\" \/>\n<meta property=\"og:description\" content=\"Kartalarni ulash va P2P o\u2018tkazmalari faqat hisob egasiga yoki yaqin qarindoshlariga ruxsat beriladi, telefon va JSHSHIR mos kelmasa, ro\u2018yxatdan o\u2018tish taqiqlanadi.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi\/\" \/>\n<meta property=\"og:site_name\" content=\"Frank.uz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/FrankUzbekistan\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-21T07:53:45+00:00\" \/>\n<meta name=\"author\" content=\"\u0421\u043d\u0435\u0436\u0430\u043d\u0430\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@frank_uzb\" \/>\n<meta name=\"twitter:site\" content=\"@frank_uzb\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\u0421\u043d\u0435\u0436\u0430\u043d\u0430\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 daqiqa\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi\/\",\"url\":\"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi\/\",\"name\":\"O\u2018zbekistonda to\u2018lov ilovalarida onlayn firibgarlikka qarshi qoidalar kuchaytirildi &#8212; Frank.uz\",\"isPartOf\":{\"@id\":\"https:\/\/frank.uz\/uz\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/frank.uz\/wp-content\/uploads\/2026\/01\/frank-logo-1-7.png\",\"datePublished\":\"2026-01-21T07:53:45+00:00\",\"author\":{\"@id\":\"https:\/\/frank.uz\/uz\/#\/schema\/person\/22b17879dce8c782bd3b1350f0628e1f\"},\"description\":\"Kartalarni ulash va P2P o\u2018tkazmalari faqat hisob egasiga yoki yaqin qarindoshlariga ruxsat beriladi, telefon va JSHSHIR mos kelmasa, ro\u2018yxatdan o\u2018tish taqiqlanadi.\",\"breadcrumb\":{\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi\/#breadcrumb\"},\"inLanguage\":\"uz-UZ\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"uz-UZ\",\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi\/#primaryimage\",\"url\":\"https:\/\/frank.uz\/wp-content\/uploads\/2026\/01\/frank-logo-1-7.png\",\"contentUrl\":\"https:\/\/frank.uz\/wp-content\/uploads\/2026\/01\/frank-logo-1-7.png\",\"width\":1200,\"height\":777},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/frank.uz\/uz\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"O\u2018zbekistonda to\u2018lov ilovalarida onlayn firibgarlikka qarshi qoidalar kuchaytirildi\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/frank.uz\/uz\/#website\",\"url\":\"https:\/\/frank.uz\/uz\/\",\"name\":\"Frank.uz\",\"description\":\"\u0414\u0435\u043d\u044c\u0433\u0438. \u0411\u0438\u0437\u043d\u0435\u0441. \u0412\u043b\u0430\u0441\u0442\u044c.\",\"alternateName\":\"\u0414\u0435\u043b\u043e\u0432\u044b\u0435 \u043d\u043e\u0432\u043e\u0441\u0442\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d\u0430\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/frank.uz\/uz\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"uz-UZ\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/frank.uz\/uz\/#\/schema\/person\/22b17879dce8c782bd3b1350f0628e1f\",\"name\":\"\u0421\u043d\u0435\u0436\u0430\u043d\u0430\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"uz-UZ\",\"@id\":\"https:\/\/frank.uz\/uz\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/e16d8bd779e5fb2c2c35e3c34ace4ba6b837417fcf508bca9b73abade4a261ca?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/e16d8bd779e5fb2c2c35e3c34ace4ba6b837417fcf508bca9b73abade4a261ca?s=96&d=mm&r=g\",\"caption\":\"\u0421\u043d\u0435\u0436\u0430\u043d\u0430\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"O\u2018zbekistonda to\u2018lov ilovalarida onlayn firibgarlikka qarshi qoidalar kuchaytirildi &#8212; Frank.uz","description":"Kartalarni ulash va P2P o\u2018tkazmalari faqat hisob egasiga yoki yaqin qarindoshlariga ruxsat beriladi, telefon va JSHSHIR mos kelmasa, ro\u2018yxatdan o\u2018tish taqiqlanadi.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi\/","og_locale":"uz_UZ","og_type":"article","og_title":"O\u2018zbekistonda to\u2018lov ilovalarida onlayn firibgarlikka qarshi qoidalar kuchaytirildi","og_description":"Kartalarni ulash va P2P o\u2018tkazmalari faqat hisob egasiga yoki yaqin qarindoshlariga ruxsat beriladi, telefon va JSHSHIR mos kelmasa, ro\u2018yxatdan o\u2018tish taqiqlanadi.","og_url":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi\/","og_site_name":"Frank.uz","article_publisher":"https:\/\/www.facebook.com\/FrankUzbekistan","article_published_time":"2026-01-21T07:53:45+00:00","author":"\u0421\u043d\u0435\u0436\u0430\u043d\u0430","twitter_card":"summary_large_image","twitter_creator":"@frank_uzb","twitter_site":"@frank_uzb","twitter_misc":{"Written by":"\u0421\u043d\u0435\u0436\u0430\u043d\u0430","Est. reading time":"2 daqiqa"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi\/","url":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi\/","name":"O\u2018zbekistonda to\u2018lov ilovalarida onlayn firibgarlikka qarshi qoidalar kuchaytirildi &#8212; Frank.uz","isPartOf":{"@id":"https:\/\/frank.uz\/uz\/#website"},"primaryImageOfPage":{"@id":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi\/#primaryimage"},"image":{"@id":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi\/#primaryimage"},"thumbnailUrl":"https:\/\/frank.uz\/wp-content\/uploads\/2026\/01\/frank-logo-1-7.png","datePublished":"2026-01-21T07:53:45+00:00","author":{"@id":"https:\/\/frank.uz\/uz\/#\/schema\/person\/22b17879dce8c782bd3b1350f0628e1f"},"description":"Kartalarni ulash va P2P o\u2018tkazmalari faqat hisob egasiga yoki yaqin qarindoshlariga ruxsat beriladi, telefon va JSHSHIR mos kelmasa, ro\u2018yxatdan o\u2018tish taqiqlanadi.","breadcrumb":{"@id":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi\/#breadcrumb"},"inLanguage":"uz-UZ","potentialAction":[{"@type":"ReadAction","target":["https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi\/"]}]},{"@type":"ImageObject","inLanguage":"uz-UZ","@id":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi\/#primaryimage","url":"https:\/\/frank.uz\/wp-content\/uploads\/2026\/01\/frank-logo-1-7.png","contentUrl":"https:\/\/frank.uz\/wp-content\/uploads\/2026\/01\/frank-logo-1-7.png","width":1200,"height":777},{"@type":"BreadcrumbList","@id":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-tolov-ilovalarida-onlayn-firibgarlikka-qarshi-qoidalar-kuchaytirildi\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/frank.uz\/uz\/"},{"@type":"ListItem","position":2,"name":"O\u2018zbekistonda to\u2018lov ilovalarida onlayn firibgarlikka qarshi qoidalar kuchaytirildi"}]},{"@type":"WebSite","@id":"https:\/\/frank.uz\/uz\/#website","url":"https:\/\/frank.uz\/uz\/","name":"Frank.uz","description":"\u0414\u0435\u043d\u044c\u0433\u0438. \u0411\u0438\u0437\u043d\u0435\u0441. \u0412\u043b\u0430\u0441\u0442\u044c.","alternateName":"\u0414\u0435\u043b\u043e\u0432\u044b\u0435 \u043d\u043e\u0432\u043e\u0441\u0442\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d\u0430","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/frank.uz\/uz\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"uz-UZ"},{"@type":"Person","@id":"https:\/\/frank.uz\/uz\/#\/schema\/person\/22b17879dce8c782bd3b1350f0628e1f","name":"\u0421\u043d\u0435\u0436\u0430\u043d\u0430","image":{"@type":"ImageObject","inLanguage":"uz-UZ","@id":"https:\/\/frank.uz\/uz\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/e16d8bd779e5fb2c2c35e3c34ace4ba6b837417fcf508bca9b73abade4a261ca?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/e16d8bd779e5fb2c2c35e3c34ace4ba6b837417fcf508bca9b73abade4a261ca?s=96&d=mm&r=g","caption":"\u0421\u043d\u0435\u0436\u0430\u043d\u0430"}}]}},"_links":{"self":[{"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/posts\/15595","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/comments?post=15595"}],"version-history":[{"count":0,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/posts\/15595\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/media\/15587"}],"wp:attachment":[{"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/media?parent=15595"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/categories?post=15595"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/tags?post=15595"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}