{"id":37465,"date":"2026-04-03T09:19:08","date_gmt":"2026-04-03T04:19:08","guid":{"rendered":"https:\/\/kommers.uz\/?p=37465"},"modified":"2026-04-03T09:19:08","modified_gmt":"2026-04-03T04:19:08","slug":"endi-kredit-olishda-mobil-ilovaga-ulangan-telefon-ra%d2%9bami-%d2%b3am-%d1%9esha-shahs-nomida-b%d1%9elishi-kerak","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=37465","title":{"rendered":"Endi kredit olishda mobil ilovaga ulangan telefon raqami ham o\u02bbsha shaxs nomida bo\u02bblishi kerak"},"content":{"rendered":"<p class=\"post-content-p\">Markaziy bank qarori bilan kredit va to\u02bblov tashkilotlarining mobil ilovalari, sayt va boshqa onlayn xizmatlarida foydalanuvchilarni ro\u02bbyxatdan o\u02bbtkazish tartibi yangilanadi. 22 apreldan ro\u02bbyxatdan o\u02bbtish va bank kartasini ilovaga ulash jarayonlari alohida tekshiruv bosqichlari orqali\u00a0<a href=\"https:\/\/lex.uz\/docs\/-8007760#-8011775\">amalga oshiriladi<\/a>.<\/p>\n<p class=\"post-content-p\">Hujjatga binoan, eng muhim talab \u2014 <strong>foydalanuvchining telefon raqami o\u02bbz nomida bo\u02bblishi kerak. Ya\u02bcni telefon raqami bilan JSHSHIR mos kelmasa<\/strong>, foydalanuvchini ro\u02bbyxatdan o\u02bbtkazish yoki kartani ilovaga ulashga ruxsat berilmaydi. Bunday holatda tizim avtomatik ravishda jarayonni to\u02bbxtatadi va foydalanuvchiga SMS yuboradi.<\/p>\n<p class=\"post-content-p\">Shuningdek, foydalanuvchi ro\u02bbyxatdan o\u02bbtgach, tizimga kirishda qo\u02bbshimcha tasdiqlash talab qilinadi. Bunda login va parolni qayta kiritish hamda telefonga kelgan bir martalik kod (OTP) orqali tasdiqlash zarur bo\u02bbladi. Bank kartasini ulashda ham alohida tekshiruv joriy etilib, foydalanuvchi OTP kod va biometrik tasdiqdan (masalan, yuzni aniqlash) o\u02bbtishi kerak bo\u02bbladi.<\/p>\n<p class=\"post-content-p\">Yana bir muhim o\u02bbzgarish \u2014 agar foydalanuvchi ulamoqchi bo\u02bblgan bank kartasiga ulangan telefon raqami boshqa bo\u02bblsa, tizim kartani qo\u02bbshishga yo\u02bbl qo\u02bbymaydi. Bu holatda ilova orqali maxsus ogohlantirish (push xabar) yuboriladi.<\/p>\n<p class=\"post-content-p\">Bundan tashqari, xavfsizlikni kuchaytirish maqsadida bir martalik kodlarga ham qat\u02bciy talablar qo\u02bbyildi. OTP kamida 6 belgidan iborat bo\u02bblishi, 59 soniya ichida amal qilishi va 3 marta noto\u02bbg\u02bbri kiritilsa, avtomatik bekor bo\u02bblishi belgilangan. Agar foydalanuvchi kodni ketma-ket 3 marta noto\u02bbg\u02bbri kiritsa, uning tizimdagi harakatlari 15 daqiqaga vaqtincha cheklanadi va bu haqda SMS orqali xabar beriladi.<\/p>\n<p class=\"post-content-p\">Yangi tartibga ko\u02bbra, foydalanuvchilarni masofadan biometrik aniqlashda qo\u02bbshimcha xavfsizlik chorasi\u00a0<a href=\"https:\/\/lex.uz\/docs\/-8007760#-8011775:~:text=6.%20%D0%9A%D1%80%D0%B5%D0%B4%D0%B8%D1%82%20%D0%B2%D0%B0%20%D1%82%D1%9E%D0%BB%D0%BE%D0%B2%20%D1%82%D0%B0%D1%88%D0%BA%D0%B8%D0%BB%D0%BE%D1%82%D0%BB%D0%B0%D1%80%D0%B8%20%D1%84%D0%BE%D0%B9%D0%B4%D0%B0%D0%BB%D0%B0%D0%BD%D1%83%D0%B2%D1%87%D0%B8%D0%BB%D0%B0%D1%80%D0%BD%D0%B8%20%D0%BC%D0%B0%D1%81%D0%BE%D1%84%D0%B0%D0%B4%D0%B0%D0%BD%20%D0%B1%D0%B8%D0%BE%D0%BC%D0%B5%D1%82%D1%80%D0%B8%D0%BA%20%D0%B8%D0%B4%D0%B5%D0%BD%D1%82%D0%B8%D1%84%D0%B8%D0%BA%D0%B0%D1%86%D0%B8%D1%8F%D0%B4%D0%B0%D0%BD%20%D1%9E%D1%82%D0%BA%D0%B0%D0%B7%D0%B8%D1%88%D0%B4%D0%B0%20%D2%B3%D0%B0%D1%91%D1%82%D0%B8%D0%B9%D0%BB%D0%B8%D0%BA%20%D1%84%D0%B0%D0%BA%D1%82%D0%BE%D1%80%D0%BB%D0%B0%D1%80%D0%B8%D0%BD%D0%B8%20(liveness%20detection)%20%D0%B0%D0%BD%D0%B8%D2%9B%D0%BB%D0%B0%D1%88%20%D1%84%D1%83%D0%BD%D0%BA%D1%86%D0%B8%D1%8F%D1%81%D0%B8%D0%B3%D0%B0%20%D1%8D%D0%B3%D0%B0%20%D2%B3%D0%B0%D0%BC%D0%B4%D0%B0%20%D1%83%D1%88%D0%B1%D1%83%20%D1%84%D1%83%D0%BD%D0%BA%D1%86%D0%B8%D1%8F%D1%81%D0%B8%20%D1%80%D0%B5%D0%B0%D0%BB%20%D0%B2%D0%B0%D2%9B%D1%82%20%D1%80%D0%B5%D0%B6%D0%B8%D0%BC%D0%B8%D0%B4%D0%B0%20%D1%84%D0%B0%D0%BE%D0%BB%20%D0%B8%D1%88%D0%BB%D0%B0%D0%B9%D0%B4%D0%B8%D0%B3%D0%B0%D0%BD%20%D0%B1%D0%B8%D0%BE%D0%BC%D0%B5%D1%82%D1%80%D0%B8%D0%BA%20%D0%B8%D0%B4%D0%B5%D0%BD%D1%82%D0%B8%D1%84%D0%B8%D0%BA%D0%B0%D1%86%D0%B8%D1%8F%20%D1%82%D0%B8%D0%B7%D0%B8%D0%BC%D0%B8%D0%B4%D0%B0%D0%BD%20%D1%84%D0%BE%D0%B9%D0%B4%D0%B0%D0%BB%D0%B0%D0%BD%D0%B8%D1%88%D0%BB%D0%B0%D1%80%D0%B8%20%D1%88%D0%B0%D1%80%D1%82.\">joriy etiladi<\/a>. Endilikda tizimlar foydalanuvchining haqiqiy ekanini aniqlovchi maxsus \u201cliveness detection\u201d texnologiyasi orqali tekshiradi va bu jarayon real vaqt rejimida ishlaydi.<\/p>\n<p class=\"post-content-p\">Tashkilotlar biometrik tekshiruvni boshqa tashkilotlarga topshirsa, ular bilan tuziladigan shartnomalarda foydalanuvchilarga yetkazilgan ehtimoliy zarar uchun javobgarlik masalasi ham belgilanishi shart. Ya\u02bcni tizimdagi nosozlik yoki zaiflik sabab yuzaga kelgan zarar ushbu xizmatni ko\u02bbrsatuvchi tashkilot hisobidan qoplanadi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yana bir muhim o\u02bbzgarish \u2014 agar foydalanuvchi ulamoqchi bo\u02bblgan bank kartasiga ulangan telefon raqami boshqa bo\u02bblsa, tizim kartani qo\u02bbshishga yo\u02bbl qo\u02bbymaydi. Bu holatda ilova orqali maxsus ogohlantirish yuboriladi.<\/p>\n","protected":false},"author":23,"featured_media":37466,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"_sharing_image":{"poster":"https:\/\/dinor.uz\/wp-content\/uploads\/2026\/04\/69cf3fbe16875.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":37466,"7B0ecgVieEAP":"\u042d\u043d\u0434\u0438 \u043a\u0440\u0435\u0434\u0438\u0442 \u043e\u043b\u0438\u0448\u0434\u0430 \u043c\u043e\u0431\u0438\u043b \u0438\u043b\u043e\u0432\u0430\u0433\u0430 \u0443\u043b\u0430\u043d\u0433\u0430\u043d \u0442\u0435\u043b\u0435\u0444\u043e\u043d \u0440\u0430\u049b\u0430\u043c\u0438 \u04b3\u0430\u043c \u045e\u0448\u0430 \u0448\u0430\u0445\u0441 \u043d\u043e\u043c\u0438\u0434\u0430 \u0431\u045e\u043b\u0438\u0448\u0438 \u043a\u0435\u0440\u0430\u043a"},"_dinor_sponsored":false,"_dinor_sponsor_name":"","_dinor_reading_time":0,"_dinor_primary_term":0,"_dinor_featured":false,"_dinor_urgent":false,"_dinor_show_author":false,"_dinor_kicker":"","_dinor_summary":"","_dinor_sources":"","footnotes":""},"categories":[2],"tags":[],"ptype":[],"_links":{"self":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/37465"}],"collection":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=37465"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/37465\/revisions"}],"predecessor-version":[{"id":37467,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/37465\/revisions\/37467"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/37466"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=37465"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=37465"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=37465"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=37465"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}