Types of fraud. Interactive scam. New form of fraud! Loans debtors and unemployed
Many times, I wrote about the limitless tricks of fraudsters, lumbling money by any ways. I recently appeared another kind of deception, discovered by a journalist Telecom Daily Ilyoy Shawolin.
This fraud is based on the ability to replace the phone number when calling from IP telephony. If you go into technical details, the number in cellular networks is not requested, but is transmitted by the caller by the caller. When the call goes through a VoIP gateway, you can substitute any number (for example, your mobile number substitutes Skype).
Scammers came up with how to take advantage of such an opportunity.
You can call the number of your loved ones and report that he got into trouble (or, for example, detained by the police) and start demanding money. Can call the phone of your bank and put out the maps data, told, for example, about hacking your card and asking to specify the passport data and code word, exactly as your bank does, and then learn all the necessary information from the bank itself by attaching you. Other types of lifting fraud are possible.
Please remember, fraudsters can substitute any number. If you see the number of your bank, an insurance company with an incoming call, state organization, a friend or relative, this does not mean that you really call the one whose number is. Be careful!
© 2016, Alexey Nedugin
Many times, I wrote about the limitless tricks of fraudsters, lumbling money by any ways. I recently appeared another kind of deception, discovered by a journalist Telecom Daily Ilyoy Shawolin. This fraud is based on the ability to replace the phone number when calling from IP telephones ...
"/>ANO "DCRP", NNU NM.Lobachevsky
accountant
Annotation:
The article discusses new methods of fraud with payment cards in Russian Federation. Ways to protect funds bank cards. The results of the CyberCRimeCon conference for 2016-2017 are clearly presented. Posted specific example The newly emerged protection of maps in PJSC Sberbank of Russia. Ways to protect against fraudulent operations with bank cards are proposed.
The ARTICLE CONSIDERS NEW WAYS OF FRAUD WITH PAYMENT CARDS IN THE RUSSIAN FEDERATION. The Methods of Protecting Bank Funds Cards. Graphically Presents The Results of the Conference Cybercrimecon for 2016-2017 Concrete Example Recently Introduced The Protect Cards In Pjsc "Sberbank of Russia". Proposed Methods of Protection from Fraudulent Transactions with Bank Cards.
Keywords:
bank card; bank card fraud schemes; skimming; phishing; cybercriminals; Protection of bank cards.
Bank card; Fraudulent Use of Credit Cards; Skimming and Phishing; CyberCriminals; Protecting Credit Cards.
UDC 336.
The recent transition of Russian citizens on cashless calculations, namely the appearance of credit and deposit bank cardswho simplified everyday life, contributed to a number of problems. Currently incidents of theft money from bank cards. Each time, attackers invent all new ways to kidnap money.
The bank card is a tool of non-cash calculations designed to carry out operations with money located at the Issuer. In other words, this is a means of payment, allowing a cashless way to pay for goods and services in stores, for utility payments in terminals, make purchases via the Internet, and if desired, you can withdraw cash in an ATM.
The increase in the number of non-cash operations carried out by bank cards, attracted special attention At attackers. To date, there are more than 10 ways of fraud with a bank card. Consider new fraud schemes from bank accounts.
1. Malicious software (Software) is a number of malicious programs that kidnap passwords, intercepting SMS messages from smartphones. Users mobile devicesComputers constantly download various applications, including payment applications. Thus, hackers penetrate the smartphone and get access to electronic wallet.
The most priority software components (plugins) for the operation of vulnerabilities are: Java, Flash, Internexplorer and AdobeacrobatReader.
2. Skimming - a type of fraud with bank cards, which uses a skimmer - a tool for reading the magnetic track of a bank card, as well as a device installed on the ATM keyboard, in the form of special linings, which externally repeat the original ATM buttons, as well as illegally installed camcorders for Receive information about PIN code.
3. Phishing - this is theft of personal data using phishing sites: the client enters the link to the fake site payment servicewhere he is invited to enter his data. When specifying a login, password and any other confidential information on this site, the user actually provides intruders access to their means.
4. Trust method. This scheme is designed for users of online stores. Often fraudsters create fake sites or groups on social networks, indicating electronic money as payment. Making an order on such sites, the client makes a prepayment and risks stay without buying and without cash.
5. Cyberatas in social networks. Cybercriminals with help computer programs Colounded accounts on social networks and make friends with such text from someone else's name: "Hello, you can throw off the password from my SIM card, for some reason it does not come to my phone." Users of social networks agree to help their familiar and send the number of your phone and code from SMS messages. So fraudsters learn PIN codes from maps of various bank cards and kidnap funds from their accounts.
The increase in the number of attacks and amounts of theft is a bright indicator of the financial activity of cybercriminals, changes in their tactics and goals. Most of the hackers followed money. If they find new, higher paying and safe methods Earnings, then begin to invest exactly there, creating new tools, services, the schemes of the attacks.
According to the annual conference CyberCRimeCon in the period 2016-2017, a decline in cybercrime market in Russia and the CIS by 15% was recorded (see Figure 1).
Figure 1. Evaluation of the market for high-tech crimes for 2015-2017
Following the CyberCrimecon conference for 2016-2017. The greatest increase accounted for theft individuals With the use of malicious programs and amounted to 144%, on the embezzlement of individuals with Android-Trojans - 136%. This dynamics says that fraudsters each time come up with new and unlike each other. Malicious programs for mobile devices and computers. Also in 2016-2017. A new type of fraud was recorded - phishing, with the help of which in Russia and the CIS countries the amount was stolen in the amount of 236,550,000 rubles.
In connection with the inclined cases of illegal debugging funds from banking cards of PJSC Sberbank of Russia in 2017, he developed a policy of insurance of all bank cards (basic and additional) issued by the Bank and tied to customer accounts. The insurance policy allows you to protect funds on bank cards. It can be issued in any branch of PJSC Sberbank of Russia for only 790 rubles. Purchasing such a policy, bank customers, in case of occurrence insurance case, get insurance payment in the prescribed size.
IN modern world The schemes of fraud with bank cards are very much and every year their number is growing. To prevent illegal cancellation of funds in Table 1, elementary protection methods are proposed.
Table 1. Ways to protect against fraudulent operations with bank cards
|
Type of bank card fraud |
Proposed protective methods |
|
1. Malicious in |
Installing anti-virus programs on mobile devices, computers; Do not download programs, applications with suspicious sites, unverified sources; In no case to launch unfamiliar applications automatically downloaded from the Internet |
|
2. Skimming |
Carefully inspect the ATM before inserting a bank card into it; Entering PIN, cover the keyboard from spying |
|
Carefully inspect the name of the site where the purchase takes place in the address bar; Using the binding of an electronic wallet to an e-mail address |
|
|
No one to transmit PIN from SMS messages; Do not trust groups, online shopping with suspiciously low prices; If you still want to help a friend who appealed to you with a request for a social network, then surely contact it on a mobile phone to make sure of his intentions |
Lovers pay for purchases in online stores worth starting a separate card on which you can cross small sums Cash for payment. Using modern plastic cards You need to be extremely careful when performing any operations.
Bibliographic list:
1. The position of the Bank of Russia dated December 24, 2004 No. 266-P "On the emission of payment cards and on operations performed with their use" (with changes and additions of January 14, 2015).
2. Voronin A.S. Fraud on the payment sphere. Business encyclopedia. - M: Intellectual Literature, 2016. - 18-19 p.
3. Rubnakov P.V. Financial monitoring In the conditions of Internet payments. - Publishing house: Knourus, 2016. - 76 p.
4. Sberbank of Russia // [Electronic resource]: Official site. Access mode: http://www.sberbank.ru/ru/person, free.
5. Informational portal Gropib "Hi-TechCrimeTrends 2017" // [Electronic resource] - Access mode: https://www.group-ib.ru/, free.
Reviews:
10/25/2017, 21:56 Yatsky Sergey Aleksandrovich
Review: In the article Boat, Yu. V. Dano Description of new methods of frauds with payment cards in the Russian Federation. The corresponding statistics are given. Some ways to protect funds on bank cards are considered. Since the content of this article needs to know all the calculation cardholders, it is recommended to be published in the present form. Sincerely, Yatssky S.A.
10/26/2017, 15:02 Kokolova Lyudmila Mikhailovna
Review: An article by Yulia Viktorovna Avpillan on an up-to-date and undoubtedly interesting topic I recommend an article to publication. Data by the author of recommendations for the protection of bank card holders, gave a professional explanation about the types of fraud. Good luck and interesting publications with respect of Lyudmila Mikhailovna Thousands of social network users in Russia became victims of blackmail. Anonymious illusion makes lovers of romantic dating on the net forget about security.
Virtual sex with personal data.
"We got into complex situation And we appeal for help! Now in Vkontakte appeared a new type of fraud. Young people write girls, bind them to a personal correspondence, sometimes on intimate photos and videos. Then they begin to demand money, in case of refusal, publish the profiles of girls on a special site, and then selected material by full list Friends on the page. Many of the victims tried to write statements to the police, but everyone gets refusal. You need to do something! Many criticize life, and nobody helps us to call for the answer of scammers! We are afraid to give this mass public, since then everyone go to this site and see our personal photos! Can you assist us some assistance? "- Such a letter came to the public figure, co-founder" Project W: Women's mutual assistance network "Alena Popova from Muscovite S.
By contacting the author of the letter, for some reason I thought it was a very young young lady. In reality, the 28-year-old mother of the family was the victim. "I knighted with my husband, in the evening I drank a little, I went with a smartphone to talk to the dating site. Found the interlocutor, he asked the address of the page in Vkontakte - we continued to communicate in the private chat. He asked to send my photo naked. Slopped smartphone and sent Different. He all while offered money for sex. And I said that I don't need money, I can pay my business myself, but if it is his sexy fantasy, then for God. Talked so morning . Then I closed the chat. And threw out of the head. "
And the day of S. in VK received a message from another account. A certain girl sent screenshots of her night correspondence, sent by a stranger Intimate photos, and at the same time demonstrated that all Personal Information Page S. in VK was copied, including links to the Franc pages. Next was followed by the requirement to pay 15 thousand rubles. via Qiwi wallet. Otherwise, the extorters promised to send the material on the list of contacts, and at the same time send to the address of the place of work.
Moreover, the correspondence in the screenshots was cut in this way as if S.-prostitute offering its services. When S. refused to pay, the message from the extortioners received her husband (his contact was on the VK page).
And then a photograph of C. Together with all personal data, including the place of work and the phone, plus the most intimate materials posted on the site, which allegedly exposes the ladies, ready to sleep with someone for money.
On the site photos of the pair of hundreds of women. Mostly 20-30 years, but 40-50-year-olds come across. Judging by the data issued from Pages VK, many married. Most specified place of work. "Completed with some of these girls," says S.- one was a teacher at school. After sending materials on its contacts, among which, apparently, were colleagues, the work lost. "
Not only women are victims of extortionists: a similar site is created for men. There is the main compromise in the correspondence - willingness to establish sex with a minor interlocutor. Other "personal affairs" contain video masturbation in front of the webcam.
And on female, and on male sites there is a QIWI wallet, where you need to transfer money for the removal of the compromising.
Show boobs
"The described type of crime, called Sextortion, actively began to develop three or four years ago in the Philippines," Alexander Vura Commissioner said "money". - that is, there were fraudsters in this country, and their victims became residents of the United States and Europe. . In 2014-2015, as a result of Interpol operations, several dozen attackers detained in the Philippines. This year, the activity of attackers is observed in the Côte d "Ivoire and Morocco."
In the US and Europe, victims are mostly men. Moreover, if at the first pores, the girls in front of them undressed in real videos, now scammers use cutting rollers from porn sites. Disclaimer from the "direct ether" is difficult.
"In early 2015, Sextortion has masted in Russia. Domestic fraudsters focused on the Russian-speaking audience also use records," says Alexander Vurasko.- Last year, several such criminal groups were detained in Russia, whose victims were mainly men. The composition of groups There were young people up to 30 years old, there were no girls among them. "
The worst thing happens when children become victims of SexTortion. In 2014, in Tatarstan, the mother miraculously managed to save a 15-year-old daughter, who was already going to commit suicide, jumping out of the window, "caught a girl on the windowsill. That then admitted that for several months under threat of publication in the network of her intimate photos, it sends new and new photos and videos.
After the dissemination of children's porn began hard to pursue almost all over the world, its production went out of commercial segment in amateur. For exchanging content, pedophiles create closed forums, where to access the materials of other participants can only add their own. One of the production methods of such content is SexTortion. Having entered into intimate communication with the child under the mask of the same age or somehow otherwise, it seeks to obtain an intimate photo or video, and then new ones extort new ones.
At the end of 2015, the police detained the deputy director of the School suburban. A married man got acquainted in social networks with 13-14-year-old girls, offered them for money to undress before the webcam online or send their intimate photos and video. Paid for 100-150 rubles. per stuff. They detained the teacher right in the class, where he gave the lesson of computer science. On the seized smartphone in the messengers, dialogues with minor interlocuts were opened.
Sex for lovers
Since 2008, the market of ordinary porn falls: incomes are reduced, fresh content is performed less and less. The reason, firstly, as with any other video, in piracy. And secondly, the flow of amateur, or home, porn hung to the network.
The same happened with a paid "webcamsex": in connection with the development of fast mobile Internet and messengers with videosphas, the people began to entertain himself - to get acquainted with Anonymous for "Wirth" in a pile of free chats.
If personal attacks on the clouds of stars are often satisfied with loners, sometimes offended fans, then accounts of ordinary citizens crack organized groups
It happens that intimate materials fall into fraudsters not as a result of dating online, but by hacking the data storage tied to Apple ID or Google account. "As a rule, try to hack accounts of famous and solvent people," says the lawyer Ilya Risser. "The stars applied to me, the fraudsters initially requested the amounts of about tens of millions of rubles. But if personal attacks on the clouds of stars are often satisfied with loners, sometimes offended fans, then. Accounts of ordinary citizens crack organized groups. "
Fullda techniques are used. "My client met on a dating site with a young man," says the founder of the detective agency "Two Life" Ekaterina Sumyakina. "The date came on a good car, it was stylishly dressed. Beautifully courted. After several meetings, the girl invited him to his home. On the other Daily, he allegedly left for a business trip. And after a couple of weeks, the client came to the phone for the same spicy photos. And the number of the electronic wallet with a request to translate 100 thousand rubles. The girl did not even immediately realize that the photo was made right at her at home. Macho had one visit To quietly leave some small stand-alone camcorders from Wi-Fi. This homemade technique has worked for a short time, but it is enough for the scammers to appear the spicy video from which they did and the photo. "
Tell the district school
For the year on the Internet, only a few statements from the victims of such extortion came, the rest were enrolled in the local police departments. But no matter how much they were, Alexander Wurazko is confident that in the reality of victims in tens of times more than those who applied to law enforcement agencies.
The reason is understandable, in special delicacy of the topic. "Communication, after which I began to blackmail, extort 4.5 thousand rubles, took place on September 28. Immediately turned to a lawyer, he helped to appeal to the police and the prosecutor's office. In general, we wrote in all possible instances," said "money told" "One of the girls whose data is posted on the site of extortioners.
Mentioned S. filed a statement to management to through the site of the Ministry of Internal Affairs. "Alas, we are engaged in this kind of crime, only if they are directed against minors. In cases of adult victims, we can only provide advice to local criminal investigation units that lead the investigation," says Alexander Vurasko.
Statement S. was transferred to the territorial ATS. From there, she called the precinct and invited to write a detailed explanation. "For some reason, it was not in my ATS, but to another, but this is the best," says S.- I also had to provide printouts of all the correspondence, the materials that I am blackmail. Share this with my plot it would be quite unpleasant .
According to the precinct, personally, he faces such a thing for the first time - how to investigate, it is bad. But experts imagine it well. If scammers are professionals, simply for the IP address, their location does not comply. Money takes, understandable, anonymous online wallet: Magic amount 15 thousand rubles. - just a limit for one-time transfers to an unidentified recipient. For cashing, transfers are used through a chain of different wallets or banks, including foreign ones. Each such link requires additional requests from rates, so the investigation can stretch for several months. In the case of international groups, the joint work of law enforcement agencies of several countries is necessary.
So what to do victims? After all, so far they catch blackmail, they will fully have the promised newsletter. Yes, and mentioned sites with intimate materials are open to universal ferris.
"On the sites there are name names, phone numbers and photographs of people who obviously agree on the use of personal data outside the social network" VKontakte "did not give. This is a violation of the rules of personal data processing. A citizen needs to complain about Roskomnadzor, which as a regulator It may take measures provided for by Art. 23 of the Law of the N152-FZ "On Personal Data", - block the Internet pages with the data of the conveyed citizen, says the head of the Center for the Defense of the Digital Rights, the leading lawyer of Roscomsvoboda Sarkis Darbinyan.- Roskomnadzor can fully limit Access to the resource. However, a court decision is already required. A citizen himself can apply to the court or a prosecutor in defense of the interests of this very citizen or even an indefinite range of persons. After the entry into force of the court decision, the applicant or the prosecutor appeals to Roskomnadzor with a statement about the inclusion of the site in Registry of violators. After that, all communication operators in the country will be required to limit To access. "
However, scammers to such a turn are often ready - tolerate the site on a domain with the same name in another domain zone. But the compromising on some site, is understandable, not the most dangerous - the likelihood that familiar will come there, is small. Thus, the analysis of the site traffic on which the data of S. was posted, showed that he was visited from 2 to 8 thousand users per month.
Another thing is the threat of personal distribution familiar. "My son was recently blackmailed through" Vkontakte ", threatening to send a compromising video about the list of friends," the head of the IT company wishes to remain unnamed. Access erased all videos in his computer without recovery. "
Technically, it is easy to perform such an operation regarding the slack-proof system, it is enough to run the Trojan on a computer of interest, which will open access to the remote administrator. Another thing is that in itself such a reception is a direct violation of the law: Article 272 of the Criminal Code "Unauthorized access to computer information".
Do not pay
Weaving (even rubles) for such a pity to give, so I apologize in advance before the people who will come video with me and my member
"I was divorced for sex on a webcam to Facebook. Moreover, the girl was English-speaking," Alexander Kruppi tells a journalist. "We asked € 3 thousand after 30 minutes. Trading price fell to € 100. sent instructions: Money Translate Western Union, then Notify to e-mail. " Having poning the chalk and smoking the batter of the cigarettes, Alexander decided not to pay. I wrote a detailed post on Facebook about this story, having finished it like this: "Hawk (even rubles) for such a pity to give, so I apologize in advance before the people who comes video with me and my member. Especially before colleagues, friends of parents and parents of friends . Do not look at it or see - no matter. Take the situation with humor. PS Ruju on yourself so far. " In this case, the newsletter did not take place.
A few people who fell into a similar situation responded to the post of Alexander. "I was so four times divorced," said one. "Even to friends sent. Friends have been fine." Other reported that he paid 3 thousand rubles, but added that if they asked for more, I would prefer the newsletter.
Maybe it makes sense to pay extortioners to stand behind? Or...
Since the beginning of the year, the police recorded almost two dozen fraud in the Smolensk region. From telephone, so-called "divorces" to fraud mobile banks and malicious programs. In connection with the frequent cases of fraud, the Deputy Head of the Ministry of Internal Affairs of the Ministry of Internal Affairs (on operational work) Colonel Police Alexander Pokhulofarov in an interview with "Avos-ki" spoke about how to protect himself from scammers.
- Alexander Nikolaevich, what facts of fraud are the most common in the new year?
Now the wave of fraud again reaches his peak. Fraudsters are becoming inventive, and people are still trusting. Every year new types of fraud appear. Criminals go to the leg with progress and invent all new ways to deceive our citizens. Only over the past few days the police received 5 statements from citizens who collided with a new scheme of deception. Unknown persons who have introduced themselves as workers called on the home phones of the victims pension Fund or social security bodies and reported that citizens are compensation for sanatorium-resort treatment.
To list money on a bank card, it was necessary to call the callers all the details of the card. Gullible citizens, without suspecting a trick, fulfilled the request of unknowns - afterwards all savings were abducted from their bank cards. Just a couple of days ago, an elderly woman lost, therefore, 560 thousand rubles. The so-called "telephone fraud" continues to be relevant for our region. Unknowns, as a rule, from the places of deprivation of freedom from other regions, call the rooms of Smolyan's home phones and, making sure that the phone took off the elderly man, starting the money, telling the stories about an accident or a different problem, to permit some amount. Despite the prophylactic work, there are still citizens who believe in such calls and lists their savings to be saved.
-What prevention of fraud is carried out in our city?
The management of the Ministry of Internal Affairs of Russia in the Smolensk region is carried out a huge work on the prevention of fraud, which is carried out in several directions. Plot authorized police bypass citizens and bring information about the types of fraud and ways to protect themselves from them. Preventive memos are placed in the entrances of houses and are distributed to citizens on the streets. Police officers through the media and from LED screens located on the streets of the city, warn citizens about the commission of fraudulent actions and give recommendations, as not to become a victim of sweat.
- Who more often becomes a victim of fraudsters?
The victims or victims are mostly faces of the elderly. Due to the fact that they are more trusting and inspired by the criminal. In general, no one is insured against fraudsters: not only gullible pensioners, but also a young, socially active generation. The most common ways of deception of this category of population are frauds performed through the Internet.
What were the cases in the mainly recorded when fraudsters used the Internet to make their unlawful actions?
This is a breaking of an account on social networks and mailing to friends of the user's messages on his behalf with a request to transfer money. Recently, cases of deception of citizens, who either have an advertisement for sale on the Internet, or seeing the announcement on any site, want to acquire one or another thing. Malefactors under the pretext of buying goods invent various methods Singing money that citizens themselves are transferred to the scam. Fraudsters find private ads on the sale of any goods, enter into contact with the seller, make a prepayment for the goods, and then allegedly change his face to acquire and ask to return the money paid. Together with the prepayment from the Seller card, all its cash disappear.
-What still appeared types of fraud lately?
Recently, more technically complex methods have appeared, for example, the introduction of virus programs in operating systems. This is the most difficult form of fraud for disclosure. His scheme is very complex. Finding into the gadget on which " Mobile Bank", Viruses redirect money from the owner's bank card to intruders. The first sign, what happened - the "Mobile Bank" ceases to work.
And who more often makes fraud - criminal groups or "loners", because the latter, probably, is easier to get away from responsibility and "getting lost" in the regions?
The most common types of fraud are committed, as a rule, well-organized groups. They are clearly distributed by the roles between the participants, they operate in advance developed scenarios. Criminals solo, as a rule, carry out simple fraud or, on the contrary, the least common. We already have detainees, detainees. Literally just sent a criminal case into court, about 27 episodes of disclosed crimes. But all calls, as a rule, go beyond the limits of the Smolensk region, that is, it is Tambov, Novosibirsk, Samara, Moscow region and different regions. In this regard, it is quite difficult for us. The criminals use that are at some distance. We find them, deliver, we will send things to court. But we no longer have time to return money for mostly.
It is very difficult to disclose such crimes, because citizens must understand that the criminal in the territory of the Smolensk region is not located, the money goes to other regions of the Russian Federation. The chain is huge, the schemes of scammers worked.
-What can you advise Smolyan? How to protect yourself and not become a victim of fraud?
Universal way to protect against fraudsters is a simple phone call. Call your relatives or friends, on behalf of whom you are asking for money. Call the company that allegedly sent your representative home to you. Finally, call the police, if you seem suspicious people trying under various pretexts to enter your home. After 2-3 minutes, the police will arrive, which will figure out in the situation.
Never call anyone details of your bank card. It's like to give your wallet in other people's hands. It must be remembered that no bank does not work with customers remotely. Any actions with a bank employee employees produce only with the personal circulation of the card holder to the bank.
As for fraud under the guise of social protection bodies, remember that no one is simply dedicated to compensation for compensation. To get any payments a citizen can only after personal appeal to a particular institution and writing there a relevant statement.
First of all, you should not panic. No need to hurry and make rapid decisions. Be always vigilant and attentive.
On a note
The Ministry of Internal Affairs of Russia for the city of Smolensk reminds and warns!
Dear Citizens!
To avoid theft and fraudulent action committed by intruders under the guise of employees of various utilities and social services, as well as for the purpose of your safety, Smolensk policemen are recommended to comply with simple rules that can serve as a pledge of your safety!
Rule 1.Do not open the door!
If you can not consider the face or visitor documents in the eye - Take the chain before heading the castle!
If, with a good door to the door, after the call, the door was lost (the eye is stolen or closed) - Do not open the door! Report loudly that call the police, - and immediately do it by calling 02!
Rule 2. Without checks, do not let me in an apartment of strangers, even if they are presented by employees of repair or social services. Find out the name of the head of the Organization, the number of his service phone, the data of the employee who has come. Call this organization and specify whether a specialist sent to you. Do not hesitate - it's completely normal!
Rule 3. Check the phone number that the employee calls you. Do not call him mobile phone Or dictate, dial the number yourself. If the repairman informs you about breakage and offers to purchase something to eliminate it, it is worth checking the price of spare parts and replacement services by contacting the telephone!
Rule 4. If you still have doubts, do not let the uninvited guests in the house! Tell me, to come later, in the evening, when the rest of the family will return. If the outsiders still let go to the apartment, immediately follow the door behind him so that no one could go to the next.
Do not leave the key in the door or lower the castle's dog so that the guest can not let someone else for your back. Do not release this person from the type!
Rule 5.Never give your savings and documents! Before accepting any solution related to significant costs, be sure to consult with loved ones!
In Russia, a new type of fraud is actively developing - theft of data cards bank customers With the help of so-called external interactive voice responses (IVR). Within the framework of this scheme, citizens not call the fraudsters themselves, and the robots programmed by them, which are represented by bank employees and learn the necessary information.
The scheme works, since automated programs Cause confidence in the population. For the year - from April 2015 to April 2016 - with IVR, fraudsters stole 6 million rubles from bank cards. About this Izvestia told in Zecurion, specializing in the security of remote banking services.
Usually IVR are programmed to incoming calls - for the welcome subscribers ("Thank you for the call to our company. If you know the internal number of the employee, type the number right now"). Now the attackers began to use IVR and for outgoing calls - to steal bank card data. Robots programmed by fraudsters, representing employees of banks, ask citizens to name maps data, login-passwords for entering the Internet bank, CVV codes, PIN codes (causes are different, mainly "to clarify information" or "system failure") . According to Zecurion forecasts, in 2016 the volume of theft of funds from the map of Russians with the help of robots will grow by 40-50%.
As a rule, fraudsters run robotic programs in cloud data centers to cut tracks (according to IP addresses of intruders, calculate it easier). So that the interlocutors do not have suspicion, the systems guide them and on the living "employees." Conceptually this is social engineering, the purpose of which is to obtain details of payment instruments.
The new fraudulent scheme is quite specific, but effective, the head of the analytical center of Zecurion Vladimir Ulyanov comments. - The victims know little about the fact that robots can call. Fighting S. non-standard situation, Bank customers are lost - this is the first thing that you need to attackers, further processing a person is much easier. Secondly, the answering machine causes confidence: in the presentation of people, such systems use large companies; Also, the robot does not have intelligence to deceive. But at the same time, citizens who become the target of scammers, forget that they set up the system of living people.
According to the head of the digital business of the Binbank Group Dmitry Kashtova, fraudsters begin to use a scheme with robots, already obtaining login-passwords of banking clients to enter the Internet bank.
With the help of the attacker scheme, as a rule, displays disposable passwords to confirm operations through the Internet bank, they come to customers in SMS, indicates the interlocutor. - And if earlier scammers themselves called citizens to receive them, now they began to use robots. One option when the robot tells the client that an erroneous transaction occurred as a result of a system failure and for its cancellation you need a one-time password that came to SMS.
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