How To Avoid Online Fraud ?: Finding Easy Ways To Avoid Fraud By Making Fake Customer Care And Social Media Friends
Remote working has increased worldwide due to the corona virus. Physical transactions have dropped by 50%. Online transactions have taken its place. Meanwhile, cyber criminals who cheat online have also become more active. In that case, you can survive by learning about cybercrime.
Cyber expert Lalit Mishra said that the most important thing is not to enter any details of your credit or debit card in a website that offers online lottery, casino, gaming, shopping or free download. Also, don't click directly on a promotional link using a tempting message.
This link is usually sent by fishing gangs during festivals. The link hacks the user's account number and password. The password for the email account is hacked immediately. It can then be easily misused.
How to be wary of phishing mail, messages and calls?
Phishing means cheating by giving in to temptation. Nowadays such offers are made with the help of message, call and mail. All branded phones, laptops and electronic accessories, including the iPhone, are being offered at affordable prices.
Offering cashback and credit cards by becoming a fake banker is also going on in the world of fraud. By giving this kind of lure, his private details are being taken from the customer and then his account is emptied.
How to avoid a fake friend?
There is a new trend in the world of cyber crime. It involves creating a fake profile in the name of your close friend and sending a new request on Facebook or Instagram. Then a message is sent and money is laundered in the name of emergency.
In a fake profile, all the information from the photo is the same as the actual account. So people have no doubts, but with a few things in mind you can decide if the account you are being asked for money from is fake.
Fraud is also taking place in the name of customer care
Nowadays customer support is available for every product and service. So in case of any problem, users immediately start looking for the customer care number. Cybercriminals have already submitted their numbers in the name of customer support on the Internet. Users call it customer understanding support.
The fake customer care executive then fraudulently takes the personal details of the offending users. According to media reports, digital payment applications such as Google Pay, Phone Pay have the highest number of fake customer care numbers registered on the Internet. Through it, consumers themselves are reaching out to cyber criminals.
Keep alert notifications on
Nowadays, money request facility is available on wallet app like Google Pay, Phone Pay and Paytm. That means anyone can send you a request to make a payment. Money will then be transferred from your account to that account with just one click.
Alert notification feature is available on all wallet app. You will receive an alert notification whenever someone tries to login to your wallet, you can also deny permission if in doubt.
Don't forget to delete cookies
You are prompted to enable system cookies whenever you make payments through browsers such as Chrome and Mozilla. You can't make a payment without it. When you enable cookies, your details are saved on the browser server in the language of coding.
If you do not delete cookies after the transaction, it becomes easier for international hackers to read your details. So whenever you make a payment through a browser, don't forget to delete the cookies by going to the browser settings.
What are the strongest ways to stay safe?
Cyber expert Lalit Miksha says that the two biggest causes of online fraud are card cloning and password theft. The biggest way to avoid this is to provide payment facility in ATMs and point of sales machines even without debit / credit card.
Instead of a static PIN number, a dynamic PIN number is generated for each transaction, similar to OTP, which can also be withdrawn by feeding into ATMs and point of sales machines.
Like the YONO app launched by SBI, all banks should also launch the app. Each time a new PIN is created by the YONO app before the transaction, which can be fed to 16,500 ATMs across the country.
Another way is to make more use of the government's Bhim UPI or the UPI of other big companies. Consumers should reduce their use of debit and credit cards. What to do when you fall victim to fraud?
According to the RBI's 2017-18 guidelines, the bank is fully responsible for transactions after filing fraudulent information. If the information is not provided to the concerned bank as per procedure then the responsibility lies with the customer. In this case, the legal obligation to refund does not apply to the bank.
Inform your bank officer immediately if you fall victim to fraud. Apart from this, file the information at the customer care center and keep the number of recorded information safe for the future. So, the bank can give you your money back.
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