Money fly into the phone -

Money fly into the phone

How to recognize a phone fraudster from a pseudo-bank.

Money fly into the phone

"Good afternoon, you are worried about the security service of Bank N" - this phrase, apparently, has already been heard by telephone by millions of Russians. In 99.9% of cases, scammers started a conversation with her, who chose not complex technological solutions, but old and (not) good psychological pressure to steal money from bank cards. Their audience reach is as large as possible - attackers fished out information for withdrawing funds not only from pensioners: judging by the stories on profile forums and in social networks, even the bank employees themselves fell into this bait.
The technological solution here, in fact, is one thing - IP-telephony (which is pretty cheap), with which you can replace the phone number with the bank number. It is he who will be displayed at the client on the screen of a mobile phone with an incoming call. Further, social engineering comes into play - this is a method of obtaining information based on the cognitive characteristics of human psychology. Depending on what the attacker says on the other end of the wire, the bank’s client is either afraid of losing money (for example, they tell him that someone is withdrawing his money from the card right now), or, on the contrary, wants to make money (the fraudster speaks about payments to the client). In all cases, the goal is the same - to extract information sufficient from the client to withdraw money from the card. Formally, the “real” bank number fuels the victim's trust in the interlocutor on the other end of the wire.
The Bank of Russia considers social engineering one of the main threats to information security. According to the Central Bank, more than 97% of thefts from the accounts of individuals were committed using similar techniques. The sources of personal data leakage used by scammers are numerous - from online stores to current and former bank employees.

Banks fight fraudsters - their activities are monitored by information security units, there are special anti-fraud systems and algorithms, but a lot depends on the client himself and his actions.
It is important to know that a bank employee will never, under any circumstances, ask for a card number or PIN code, CVV code (these are the last three digits on the back of a bank card), a password to enter the client’s personal account or a code from SMS messages . If in a telephone conversation you encounter the fact that a person who introduced himself as a bank employee asks you to provide this information, you must immediately hang up and contact the bank at the number indicated on your card. And if possible, it is better to do it from another phone.
If you received a call and your interlocutor informs you that he is an employee of the security service or another division of the bank and is allegedly trying to deduct money from your card, first of all ask him to introduce himself - give the full position, surname and name. After that, specify which bank card is involved and ask for its number. As a rule, scammers do not have complete data, and the interlocutor is likely to try to circumvent this issue. It is important not to give such an interlocutor any information at all: neither the name of the bank whose card you use, nor its number, nor any passwords and codes.
You need to immediately beware if the person at the other end of the wire is trying to put pressure on you. Bank employees will never stir up anxiety or create the feeling that you need to hurry up and make any decision immediately.
But quite often, attackers get these cards without calls and using social engineering - for example, a card can be compromised when paying in an online store that did not properly take care of data security. Therefore, it would be wise to have a separate card for payment on the Internet and transfer the necessary amount there immediately before purchase.
If you find that there are debits on your card that you did not commit, then you must urgently contact the bank and block the card. In the voice menu of contact centers most often there is a separate button for blocking the card - they connect very quickly with specialists who deal with these issues. After blocking the card, you can continue to understand the situation with the bank. Often, part of the funds still does not have time to leave the bank, and they can be saved.

Source: Russian newspaper

29.01.2020 09:20:02
(Automatic translation)

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