Electronic payments came into our life recently, but in a short period has gained great popularity. It is based on the fact that it is much more convenient cash payment, and for busy people do not need to break away and go to places, as this can be done at home. With the growing popularity and increased cyber crime.
Cheaters never sleeps, and every year coming up with new schemes to get someone else’s information and money. Of course, on how to write and fraud on the network, and in the local newspapers, talk radio and television. It seemed that everyone should know about it, but just for today this issue is still relevant, then there are people who fall for such a “divorce”.
Below we provide the most common methods of cyber crime, as we believe that this information will help avoid any unpleasant financial losses.
- Phishing, it is also divided into fraud such as:
– Mail phishing;
– Online phishing;
– Combined phishing;
- Vishing – voice phishing
- SMS phishing – SMS phishing
- Pharming – DNS-replacement addresses.
The general concept of phishing
All the above-mentioned list of fraud has one goal – to get your personal information. His system is carried out by a mass mailing on behalf of the bank or well-known brand.
This kind of email contains a link that leads to a false bank website and you are offered to enter information, for example, such as a login and password, sometimes PIN code and CVV-code.
Let’s talk about the types of fraud.
Postal phishing
This viral delivery of letters, which contain viruses or links to go to a fake bank site.
Online phishing
It’s a fake banking page for entering personal data. Unfortunately, it is very difficult to distinguish from the present, and therefore a lot of people lose money.
Combined phishing
This is the case when the same as in previous versions of a page is a bank, and “bank employee” offers new shares. Sometimes they offer shares for deposits or something else. Also enter any personal data, and the person loses money.
Let’s talk about other species phishing.
Vishing, also called voice phishing. The scheme is very simple. You have the phone rings and you hear the answering machine from your bank or ask for a call back. During chime answering machine asks to enter a PIN code and account number. Once you do this operation, removed from your account you money.
SMS phishing – SMS phishing. This scheme is similar to vishing, the only difference lies in the fact that the information they are trying to get through the SMS notification. You in order to “security” offered to send your personal data.
Pharming replacement DNS-addresses. This means that you will be sent a letter on behalf of the bank or any more influential companies and redirected to a false address. Scammers are changing code and redirect to a fake website. This case is the most difficult to identify as a character in an address can vary.
Cyber crime every day just taking root, unfortunately, not all countries are struggling with this type of crime. Banks and institutions that have access to personal information of clients, warned of such frauds and asked to be vigilant.
Also, everyone should remember one simple thing, that no one, and particularly banks do not ask for your personal information over the phone or email. Remember that personal information such as PIN, code word and the CVV code that only you know, and no one institution cannot request them.
Do not give sensitive information to anyone, and you never get to the intruders in the network.