“Money is a common asset. Everyone is allowed to take as much
as he wants, provided that he can do it."
Wilhelm Schwebel
Several years ago, an American publishing house published a poll. It turned out that the main fear of the Americans is bank card fraud, not the threat of terrorists or even personal safety.
The situation is paradoxical, but it can play into the hands of criminals. Why? The fact is that thieves are usually very subtle psychologists. Therefore, they take advantage of the described state of the holders of payment cards, turning their suspicion into their own benefit.
The development of online commerce has led to the fact that those who like to profit from other people's passions have moved to the virtual world. And their most popular weapon is phishing. The type of fraud is not new, but effective.
Phishing: theory and practice
Internet users most often fall on the hook of scammers. Hence the concept of "phishing" (translated as "fishing" from English) arose. What is the meaning of such an operation?
This is the mailing of letters to the addressee, allegedly on behalf of his bank. They are composed by professionals, so they often sound very convincing. Letters are of two types.
Some simply describe a problem caused by a bank or hackers. As a result, they are asked to send information about the card, including a PIN-code and CVV2, ostensibly to restore the database. Having received the necessary data, a fraudster can easily make an exact copy of a plastic card.
The second type of letter contains a link to a site that is an exact copy of a similar web resource of the client's bank (the address may differ by only one letter, so it is extremely difficult to notice the substitution). The client, by entering his data, thereby informs the thieves of all information.
The question often arises: "How, by sending me such a letter, the fraudsters know which bank I serve?"
First, they rely on luck and only use the big banks. The likelihood that a person has a bank plastic card, for example, is very high.
Secondly, the letter may not be from a bank, but from a Visa or MasterCard payment system. To better understand fraud on the Internet, you can give an example of a letter (note that there is almost always no full name).
"Hello! The Visa company reports that the databases were hacked by hackers and information about plastic cards fell into the hands of fraudsters. You urgently need to check your balance. But the lack of transactions may mean that the fraudsters simply did not have time to use the data. You need to visit our website and update your payment card information. This is the only way we can guarantee the safety of your funds."
Security measures
Much has been written on the Internet that the owner of a plastic card should be careful, prudent, suspicious, etc. Yes, everyone knows that no bank will ever ask for a card code. But this is psychological advice.
If we talk about practice, then there is one trick that will help to detect card fraud. When you are "thrown" to a fake page of an online store or a personal bank account, then pay attention to the website address. When entering data, the security protocol https must be used, not http.
We get money too hard to lose it often through our own stupidity, right? No one will save our funds from scammers, except ourselves.
as he wants, provided that he can do it."
Wilhelm Schwebel
Several years ago, an American publishing house published a poll. It turned out that the main fear of the Americans is bank card fraud, not the threat of terrorists or even personal safety.
The situation is paradoxical, but it can play into the hands of criminals. Why? The fact is that thieves are usually very subtle psychologists. Therefore, they take advantage of the described state of the holders of payment cards, turning their suspicion into their own benefit.
The development of online commerce has led to the fact that those who like to profit from other people's passions have moved to the virtual world. And their most popular weapon is phishing. The type of fraud is not new, but effective.
Phishing: theory and practice
Internet users most often fall on the hook of scammers. Hence the concept of "phishing" (translated as "fishing" from English) arose. What is the meaning of such an operation?
This is the mailing of letters to the addressee, allegedly on behalf of his bank. They are composed by professionals, so they often sound very convincing. Letters are of two types.
Some simply describe a problem caused by a bank or hackers. As a result, they are asked to send information about the card, including a PIN-code and CVV2, ostensibly to restore the database. Having received the necessary data, a fraudster can easily make an exact copy of a plastic card.
The second type of letter contains a link to a site that is an exact copy of a similar web resource of the client's bank (the address may differ by only one letter, so it is extremely difficult to notice the substitution). The client, by entering his data, thereby informs the thieves of all information.
The question often arises: "How, by sending me such a letter, the fraudsters know which bank I serve?"
First, they rely on luck and only use the big banks. The likelihood that a person has a bank plastic card, for example, is very high.
Secondly, the letter may not be from a bank, but from a Visa or MasterCard payment system. To better understand fraud on the Internet, you can give an example of a letter (note that there is almost always no full name).
"Hello! The Visa company reports that the databases were hacked by hackers and information about plastic cards fell into the hands of fraudsters. You urgently need to check your balance. But the lack of transactions may mean that the fraudsters simply did not have time to use the data. You need to visit our website and update your payment card information. This is the only way we can guarantee the safety of your funds."
Security measures
Much has been written on the Internet that the owner of a plastic card should be careful, prudent, suspicious, etc. Yes, everyone knows that no bank will ever ask for a card code. But this is psychological advice.
If we talk about practice, then there is one trick that will help to detect card fraud. When you are "thrown" to a fake page of an online store or a personal bank account, then pay attention to the website address. When entering data, the security protocol https must be used, not http.
We get money too hard to lose it often through our own stupidity, right? No one will save our funds from scammers, except ourselves.
