Online frauds have become very common due to the ever increasing use and dependence on mobile phones. The usual techniques of committing these crimes are as follows: Fraudster connects with you regarding a product you purchased (maybe from a review you left online), about tax credit, cashback offers, refund on online transactions, Know Your Customer (KYC) check, SIM upgrade, online lottery, asking help through social networking. You will be tempted with offers such as: “today is the last date”, “you have been chosen in a lucky draw”, or by threatening you that your account will be closed if you do not provide them with your confidential data. Fraudster uses following channels to capture your sensitive data.
- Smishing – Customer receives an SMS in any of above contexts and fraudster asks to share your confidential details such as grid card details, ATM Card PIN, UPI PIN, Debit Card number and CVV.
- Juice Jacking – Fraudster installs malware/spyware using chip embedded in public charging spots. This chip copies your sensitive data and installs malware in your smartphone, whenever connected. I have covered this in another post.
- Vishing – Caller asks for transaction banking details such OTPs, user ID, delivered on your registered mobile number. Fraudster sends an activation SMS which is later used to gain access of your account.
- Remote Assistance – Caller asks to install system assistance software such as TeamViewer, for quick online support. Thereby fraudster gains complete control over your mobile phone.
How Not To Become a Victim?
- Never share your OTP, URN, CVV or passwords with anyone even if the person claims to be a bank employee. Bank will NEVER ask you for the OTP or CVV.
- If you are not aware of the transaction, don’t enter your UPI MPIN.
- Avoid using public charging stations such as airport. Always carry your charging adapter or power bank. This has been highlighted in my earlier post.
- Never install assistance software on your smartphone and dont allow anyone to access your phone.
- When not necessary, switch off Bluetooth and WiFi connectivity.
Smartly use your smartphone. Stay Safe. Stay Secure.