Crooks lure the secret data of payment cards.
According to experts of the Ukrainian interbank Association of members of payment systems EMA in 2016, as the result of fraudulent activities with payment cards of the Ukrainians, the attackers managed to “earn” nearly 340 million. More than 80% of this amount, thieves stole, taking the card details over the phone. In 2017 the Board is also quite active. Although naive Ukrainians is less, but because the scammers are improving their methods of work. The Association told about some of them.
1. New tales from the “Bank employees”
Calls from the “Bank” still most (94%). As before, “ljubanci” often use the following legend:
“your card has been blocked”;
“map of suspicious transactions”;
“we need to re-register the card and complete verification”;
“did you get the payment, but to Deposit money, you need all the map data”.
However, in recent years, and there was something new.
“Evaluation of banking.” That is calling claiming to know your opinion about the Bank. Ask lots of questions on the subject, and meanwhile I beg to call and the secret data of the card.
Registration in online banking. This is commonly used with pensioners. To attract more older people to online transactions, some banks have made a simple registration in online banking. Thus, in the system, simply enter the card number and password from the Bank for free. As this is the cheater? He pretends to be, for example, assistant Deputy, talks about the allocation of retiree financial assistance and asks for the card number where to transfer the money. After receiving the information, starts the registration to the Internet banking. Conversation not ends – he still needed to find out the password sent in SMS (it may ask you to call him, say, “to finish the process of transfer of money”). Once the password is, the thief gains access to a victim’s account.
2. Fake SMS from the Bank
In some cases, the scammers call the victim and try to make sure that she called them, believing that it is communicating actually with the Bank. First, the criminals send a message that encourages people to contact the “Bank”. This files most often sent SMS about the “block card”. At the end of the specified telephone number allegedly of the security service of the Bank, where you can learn more. Of course, the call is answered by the scammer. He will try to speak with the victim, to force her to disclose the confidential information of the map.
. What to do in order not to fall into the trap of the perpetrator? First of all, remember that to call the Bank should be exclusively at the phone number on the payment card and on the official website of the Bank. The second point: who would you may get whatever you were told as soon as they hear that you are asked to call the card expiry date, three digit CVV2/CVC2 security code from the reverse side or the password from the text message from the Bank, terminate the conversation immediately! This is a Scam! Still not sure? Find the official phone number of organization from which you called (on the website), call back and verify the information.
3. Scammers are calling twice
The essence of the scheme is that the victim was calling two different people: first, for example, the “buyer” of goods, “employee pension Fund”, “the representative of the charity Fund” who want to learn the card number to transfer the payment for the product/Supplement to pension/financial assistance. And then with the victim is associated is supposedly the representative of the Bank says that the money cannot be credited to the card, if the person is not called expiration date, three digit security code on the reverse side and password of the SMS from the Bank. Remember once and forever: to bring you money, the sender is enough to know your card number, any other data is not needed!
4. A trip to the ATM
A popular fraud is the scheme of deception when the victim was “lead” to the ATM, promising that she will get the money on the card (“supplementary pension”, the “financial assistance”, “winning the lottery”, “prize money from the store”, etc.). Man persuaded to go to the ATM, insert your card and follow the instructions dictated on the phone, with the result that he, suspecting nothing, sends money from his card to the offender. Remember: in the ATM it is impossible to get any payment! You can only make money transfers from their card TO someone else.
According to statistics, most victims of scams are women and people older than 55 years – the attackers know who is easier to talk. And the conversations they lead, like a real psychologists: quickly adapt to the interlocutor, able to gain the trust and to be respectful (which are bought by pensioners). And this despite the fact that, according to statistics, 90% of the calls scams are calls from prisons and penal colonies. However, to intimidate the attackers also works well (for example, threatening to lock a card and even criminal prosecution for the alleged participation of the card in the money laundering).
What to do if you call phone fraud?
You are asked to call the confidential card data? Immediately break off the conversation. Whoever asked for the card expiry date, three digit CVV2/CVC2 security code on the back of it and the password from the Bank SMS, nothing call, that’s classified information! Ask you to call these data may only criminals.
Heard a disturbing message like that your card details fall into the hands of criminals and the SBU it was blocked? Find the official phone of the Bank or the security service at the official web page, call and verify the information.
He heard the good news (“our blogpond has given you a financial aid”) is the same: look on the official website of the organisation official phone number and call.
Don’t listen to anyone who promises to transfer you the money on the card and says that you need to go to the ATM. Remember: ATM you can only withdraw money with YOUR FOREIGN card.
Set limits on card transactions on the Internet, and also connect the function of SMS notification about all transactions (including failing) – to be aware of what is happening with your card and in time to block it.
If realized, gave away secret information, immediately block your card by calling the call center or through Internet banking and report the incident to postal and telecommunications, the easiest way is through the website of the Department of police of National police of Ukraine.
© 2017 – 2019, paradox. All rights reserved.
