The Internet, being the largest means of information exchange, at the same time gives rise to a rapid increase in crimes related to the use of information technology.
a) Cellular and wired telephones are used as a means of transmitting voice information, subtypes, types: “your son had an accident...”, “mom/dad I have problems...”, “this is from the bank/social security, etc.. ."
b) A cell phone is used to send SMS with false information: “Mom, send me money to this number, then I’ll explain everything,” “your card is blocked, call for details..”, “5,000 rubles have been debited from your account, call for details.” .."
c) Your cell phone and your ad on the Internet (Avito website) are used by the carder to obtain card data from you and link the card to the carder’s mobile phone:
If you receive an incoming call, you must end the conversation, even if the interlocutor instills confidence in his truthfulness. Carders have psychological methods of misleading, or have information about the victim and his relatives. Similar cases of carding occur on the Internet, but the message of help is transmitted through a message on a social network from a false relative’s page.
If you doubt the veracity of the information received, you should call your loved ones back on behalf of those who received the message, call the bank at the phone number indicated on the card or in the contract, or visit the nearest bank branch. The bank never requests information about the client’s card over the phone: its number, code on the back, full name. card owner and its expiration date, and even more so the PIN code. If the interlocutor tries to get such information from you, or asks you to provide the codes that were sent to your phone from the bank, stop talking to him.
Citizens who have elderly relatives, neighbors, or acquaintances need to explain to them what methods of carding exist, how to behave when receiving calls and messages of a carding nature, namely, do not engage in dialogue with scammers, stop talking and call relatives. If an elderly person receives a pension on a bank card, then offer your help in withdrawing funds from the card, or invite a relative to give the card to you. In many cases, when communicating with elderly people, the scammers’ accomplices are located in the area where the elderly person lives, or at his home or entrance. If you receive a carding call, you must immediately report this fact to the police.
If, in the event of carding, during a telephone conversation the criminal received information about a bank card, then you need to call
call the phone number indicated on the card and block the card. On the day the carding was committed, you must contact the bank with a request to return the funds to the card, since the bank is obliged to return the funds if the operation was disputed by the card owner on the day of the operation.
To prevent carding, we also recommend that you do not distribute information about mobile numbers on the Internet with their link to personal data, do not indicate mobile numbers on social pages, and do not indicate your First and Last Name, residential address and other personal information next to your cell phone number in advertisements posted online. information. Do not use your mobile phone numbers on the Internet, to which bank cards and mobile phone numbers are linked, which are used to work in the Mobile Bank.
Recently, carding committed against Internet users selling goods on free classifieds sites has become widespread. The seller receives a call supposedly from the buyer. The carder, disguised as a buyer, reports that he wants to purchase the goods, but lives in another city and offers to pay for the goods by transferring funds to the seller’s card. To do this, he asks the seller to name the card number, card owner, card expiration date, code on the back, as well as the cell number associated with the card, or by default uses the number specified in the ad. After receiving this information, the carder uses the card information to pay for purchases on the Internet. Another option is when the seller’s phone receives codes from the bank and the carder asks to provide them supposedly to transfer money, at this moment the carder connects the “Mobile Bank” service to the victim’s phone or his phone and steals money from the card. The third option is when a carder acting as a “buyer” invites the seller to go to an ATM and, supposedly performing some operations, receive money; in the three indicated cases, the cardersteals the seller’s funds.
d) The cell phone is used by scammers to transmit SMS messages, messages via Viber and WhatsApp messengers with malicious information.
Types of messages: “here are our photos with you http:\\...”, “your account, VKontakte page has been hacked, please register http:\\...”,
“you won a car, details http:\\...” A new type of message with a malicious link:
“I’m on your ad, do you agree to exchange for this http:\\foto3.inc...”
When you receive this message, do not follow the specified link or activate the links received. If possible, check whether there is information about these links and possible scams on the Internet in search engines. Please inform Internet users that this link is carding. Delete the specified message if you are sure that it did not harm your device.
Malicious programs are created and improved by scammers on a regular basis, and when working with your phone, you may encounter a type of malicious program that does not require your activity and can be independently downloaded to your mobile device through operating system vulnerabilities.
If your mobile device is infected, we recommend that you determine the threats and consequences of a hacker gaining access to your mobile device.
Signs of infection of a mobile device may include blocking the operating system, blocking incoming SMS messages, or sending messages artificially generated by the mobile device. An infected mobile phone should be turned off immediately. Reissue the SIM card from the operator, and keep the phone for later examination by the police if carding was committed, or transfer it to the service center if the money was not stolen.
If a bank card or banking services such as “Mobile Bank”, “Online Bank”, “Internet Bank” are linked to this mobile device, then you must urgently contact the bank, block the card and suspend account services. If this cannot be done using the phone, then you need to contact the nearest bank branch. If a mobile device is used to access pages on social networks, then you need to access the social network from another device or computer and change the associated phone number.
An infected mobile device is also a source of spreading malicious information through the contacts contained in the phone. To prevent mailing, you need to notify the maximum number of people you know about your problem and about possibly malicious messages coming on your behalf.
If funds are stolen from your phone or bank card, you must contact the bank on the day of the theft with a demand to return the funds, block your account, prohibit the transfer of funds from your account to other accounts, suspend servicing the accounts to which your funds were transferred facilities. After receiving a response from the bank, contact the police with the account statement.
One of the common mobile scams is also the use of a duplicate SIM card to access remote bank account management systems. A sign of using a duplicate of your SIM card is blocking mobile communication access. In this case, you must urgently contact your mobile operator and reissue
SIM card If your mobile operator confirms that your SIM card has been unauthorized replaced, you must write a claim to the cellular company and contact the police.
b) Receiving from an online store or seller a product that does not correspond to what was declared.
The development of these types of carding is due to human factors, such as the desire to save money, the lack of nearby stores with such goods, and the complete lack of offers on the market. The main goods purchased are luxury items: expensive digital equipment, cars, fur coats, branded items. Facts of purchasing essential goods are completely excluded. The desire to save often leads to the loss of all money, and therefore, the first and main recommendation is to purchase things at their real cost and not look for offers with a 30-50% benefit, since this generally contradicts the principles of the market, or the goods sent will turn out to be counterfeit, faulty, or not satisfying the buyer’s requests.
You should not purchase goods from online stores that position themselves as Russian, but have websites in the domain zones com .org .biz .net .info .tv .mobi.
Particular attention should be paid to reviews on the Internet for this online store or seller. Check when the store or website was created. Was it created a year or more ago? If the site exists for less than a month, then you should refuse to purchase. You can check the presence of an office at a given store, make sure on the Internet that such a house exists, look at it on a map, photos, Yandex, Google panoramas. Make sure there is a store sign on the house or there are office premises. In the pictures you can also find out the names and telephone numbers of nearby organizations, call them and find out the accuracy of the information. In online directories, find the telephone numbers of the administrator of the office center, the reception, and make sure that such a store or individual entrepreneur exists and operates in this building. The information received should be used when communicating by phone with store employees. If a store or seller refuses to call and offers other methods of communication, such as Viber, Skype, WhatsApp and others, or the store does not have a telephone, you should refuse the purchase. During a telephone conversation, you can inform that you are in the city of the seller or store and offer to pick up the goods at your own expense and pay in cash at the office. In case of categorical refusal, you should refuse the purchase.
When purchasing expensive items, such as a car, road equipment, building materials, we recommend spending money on travel to the seller’s city and making sure the seller and the goods are available. Or find a seller you know in the city and ask them to check the authenticity of the offer on the Internet. If this is not possible, then pay for the services of a lawyer, an employee of a car company that sells and buys cars in the seller’s city and, for a nominal fee, invite him to meet with the seller and inspect the car and documents. This also applies to the purchase of building materials and metal - contact the services of a lawyer in the seller’s city. Carders can easily falsify any photographs, scans of documents or cars sent to you over the Internet.
Currently, most online stores operate on a 100% prepayment basis; if you follow these recommendations, you can make a successful purchase.
We strongly recommend not to make “blind” purchases on social networks. The administration of social networks has excluded advertisement sections from the sites and is not responsible for the actions of users using the network.
If you need to purchase a product through a social network, you must carefully check the seller, be sure to contact him by phone, ask for details about the product, demand photographs of the product in detail, offer to send the product by courier service and cash on delivery, discuss the possibility of returning the product, the possibility of self-pickup.
Check reviews and comments left in the group and on the seller’s page. If several network users post entirely laudatory reviews and recommendations, then it is worth looking at the pages of these users to see if they are “fake”, whether they have personal photos and a large number of friends on their pages. This information can also be viewed on the seller's page. The seller’s page must be active, personal photos must be regularly posted on it, albums must be updated, there must be information about the place of study and work, and friends must have “live” and active users. You can clarify where the seller is located, in what city, offer to pick up the goods supposedly to your friends located in this city and evaluate the seller’s reaction. If you communicate with a store online, then ask for the store’s website on the Internet, legal and actual address. If in any doubt, refuse to purchase goods with 100% prepayment through a social network.
Carding involving users’ funds to increase them in financial pyramids, cooperatives, microfinance organizations, exchanges, bookmakers, and electronic currency markets is also becoming widespread on the Internet. Law enforcement agencies strongly recommend not to enter into any relationship with such organizations and persons offering such services, since many companies and Internet sites of these companies are located abroad, the organizations operate under the laws of other states, or are initially carding, and to return the money spent on the data money projects are almost impossible.
c) “Fake” sites, as well as phishing sites.
This type of carding assumes that the victim will find the site familiar and will purchase a product or service there, or provide his or her bank card information.
The only recommendation would be to be careful. It is necessary to pay attention to the address bar of the site, the name of the site, whether there are any additional characters or names in the address bar, whether the site is located in the “ru” domain zone. Copy the site name from the address bar and check it in the search engine. You should not trust sites that have familiar words in their names, but are located in the domain zones .com .org .biz .net .info .tv .mobi and others not related to the Russian Internet space.
Repeatedly check the sites in the sections in which you plan to indicate information about your bank card, by the date of creation of the site, by phone numbers indicated on the site, by reviews on the Internet, you should check whether the site is in various blacklists on the Internet. Remember, the carder only needs the card number and the code on the back of the card (CVV code consisting of four digits) to make purchases and pay for services on the Internet. He can select other data, such as the expiration date of the card, and find out the owner’s name and surname from you or from the Internet from your personal pages.
If you become a victim of such a site and notice this after a transaction or purchase, block the card and contact the bank on the day of the transaction to cancel it and return the funds.
When buying air or train tickets, do not look for very cheap tickets on dubious sites, especially those located in the domain zones .com .org .biz .net .info .tv .mobi. It is advisable to purchase affordable tickets on the official websites of carrier companies.
(c) Main Directorate of the Ministry of Internal Affairs of Russia for the Volgograd Region
Signs of buyer carding when selling online:
- The buyer is not particularly interested in the product, quickly demonstrates his desire to make a purchase and moves on to talk about the payment method.
- The buyer asks you to provide the full card details, including last name and first name in Latin, expiration date and CVC code. Using this data, he can easily pay with your card on the Internet.
- The buyer asks you to tell him various codes that will be sent to your mobile phone, supposedly necessary for him to make a payment.
Signs of seller carding when shopping online:
- There is no address or telephone number; all communication is proposed to be carried out via e-mail or instant messaging programs.
- The real name of the seller is missing, the person is hiding behind a “nickname”.
- The seller has recently registered on the service; the sale announcement is his only message.
- The advertisement was published with errors, written carelessly, without punctuation, in capital letters, etc.
- There is no photo of the product, or a photo from the Internet is attached (this can be determined using duplicate image search services).
- The price of the product is too low compared to similar products from other sellers.
- The seller requires full or partial prepayment (for example, as a guarantee that you will receive the goods by mail with cash on delivery).
How to avoid becoming victims of telephone scams:
- When making a phone call on behalf of supposedly relatives and reporting a difficult situation, you should call the relatives and friends in question, find out the details of what happened, and not transfer or give money to strangers;
- Call back (or better yet, approach) any bank branch on behalf of which the message about problems with servicing your current account/card was received, and resolve all the issues that have arisen. You can also call your loved ones who are well versed in modern technology, tell them about the message you received and ask for advice. Please remember: no bank will ask the cardholder to perform any actions over the phone or provide card details;
- Do not disclose to strangers (both in person and by phone or online correspondence) information about yourself, your loved ones, relatives, bank cards, that is, any confidential (personal) information;
- Do not make an advance payment for goods or promised payment (service), make payment only upon their actual receipt.
How to avoid becoming a victim of Internet carding:
- You should carefully study the information on the website, reviews, and compare prices for the product you are interested in. Lack of information and a confusing system for receiving goods are often signs of carding;
- Get maximum information about the seller or store: addresses, phone numbers, history on social networks, availability of delivery service, etc. Legally operating online stores or retailers post complete information and work on the principle of “payment for goods after delivery”;
- You cannot communicate (send by e-mail) information about your plastic cards. Criminals can use their details and make, for example, various purchases.
Types of carding in cellular and wireline networks and on the Internet
1. Carding committed using mobile and wireline communications:a) Cellular and wired telephones are used as a means of transmitting voice information, subtypes, types: “your son had an accident...”, “mom/dad I have problems...”, “this is from the bank/social security, etc.. ."
b) A cell phone is used to send SMS with false information: “Mom, send me money to this number, then I’ll explain everything,” “your card is blocked, call for details..”, “5,000 rubles have been debited from your account, call for details.” .."
c) Your cell phone and your ad on the Internet (Avito website) are used by the carder to obtain card data from you and link the card to the carder’s mobile phone:
- “I’m looking at your ad on Avito (for sale, for rent), tell me the details from your card and the code on the back, I’ll send you the money...”;
- “I want to send money to your card for goods on Avito, prepayment for rent, your card is linked to a mobile bank, if not, go to the ATM, I will instruct you how to connect a mobile bank.”
If you receive an incoming call, you must end the conversation, even if the interlocutor instills confidence in his truthfulness. Carders have psychological methods of misleading, or have information about the victim and his relatives. Similar cases of carding occur on the Internet, but the message of help is transmitted through a message on a social network from a false relative’s page.
If you doubt the veracity of the information received, you should call your loved ones back on behalf of those who received the message, call the bank at the phone number indicated on the card or in the contract, or visit the nearest bank branch. The bank never requests information about the client’s card over the phone: its number, code on the back, full name. card owner and its expiration date, and even more so the PIN code. If the interlocutor tries to get such information from you, or asks you to provide the codes that were sent to your phone from the bank, stop talking to him.
Citizens who have elderly relatives, neighbors, or acquaintances need to explain to them what methods of carding exist, how to behave when receiving calls and messages of a carding nature, namely, do not engage in dialogue with scammers, stop talking and call relatives. If an elderly person receives a pension on a bank card, then offer your help in withdrawing funds from the card, or invite a relative to give the card to you. In many cases, when communicating with elderly people, the scammers’ accomplices are located in the area where the elderly person lives, or at his home or entrance. If you receive a carding call, you must immediately report this fact to the police.
If, in the event of carding, during a telephone conversation the criminal received information about a bank card, then you need to call
call the phone number indicated on the card and block the card. On the day the carding was committed, you must contact the bank with a request to return the funds to the card, since the bank is obliged to return the funds if the operation was disputed by the card owner on the day of the operation.
To prevent carding, we also recommend that you do not distribute information about mobile numbers on the Internet with their link to personal data, do not indicate mobile numbers on social pages, and do not indicate your First and Last Name, residential address and other personal information next to your cell phone number in advertisements posted online. information. Do not use your mobile phone numbers on the Internet, to which bank cards and mobile phone numbers are linked, which are used to work in the Mobile Bank.
Recently, carding committed against Internet users selling goods on free classifieds sites has become widespread. The seller receives a call supposedly from the buyer. The carder, disguised as a buyer, reports that he wants to purchase the goods, but lives in another city and offers to pay for the goods by transferring funds to the seller’s card. To do this, he asks the seller to name the card number, card owner, card expiration date, code on the back, as well as the cell number associated with the card, or by default uses the number specified in the ad. After receiving this information, the carder uses the card information to pay for purchases on the Internet. Another option is when the seller’s phone receives codes from the bank and the carder asks to provide them supposedly to transfer money, at this moment the carder connects the “Mobile Bank” service to the victim’s phone or his phone and steals money from the card. The third option is when a carder acting as a “buyer” invites the seller to go to an ATM and, supposedly performing some operations, receive money; in the three indicated cases, the cardersteals the seller’s funds.
d) The cell phone is used by scammers to transmit SMS messages, messages via Viber and WhatsApp messengers with malicious information.
Types of messages: “here are our photos with you http:\\...”, “your account, VKontakte page has been hacked, please register http:\\...”,
“you won a car, details http:\\...” A new type of message with a malicious link:
“I’m on your ad, do you agree to exchange for this http:\\foto3.inc...”
When you receive this message, do not follow the specified link or activate the links received. If possible, check whether there is information about these links and possible scams on the Internet in search engines. Please inform Internet users that this link is carding. Delete the specified message if you are sure that it did not harm your device.
Malicious programs are created and improved by scammers on a regular basis, and when working with your phone, you may encounter a type of malicious program that does not require your activity and can be independently downloaded to your mobile device through operating system vulnerabilities.
If your mobile device is infected, we recommend that you determine the threats and consequences of a hacker gaining access to your mobile device.
Signs of infection of a mobile device may include blocking the operating system, blocking incoming SMS messages, or sending messages artificially generated by the mobile device. An infected mobile phone should be turned off immediately. Reissue the SIM card from the operator, and keep the phone for later examination by the police if carding was committed, or transfer it to the service center if the money was not stolen.
If a bank card or banking services such as “Mobile Bank”, “Online Bank”, “Internet Bank” are linked to this mobile device, then you must urgently contact the bank, block the card and suspend account services. If this cannot be done using the phone, then you need to contact the nearest bank branch. If a mobile device is used to access pages on social networks, then you need to access the social network from another device or computer and change the associated phone number.
An infected mobile device is also a source of spreading malicious information through the contacts contained in the phone. To prevent mailing, you need to notify the maximum number of people you know about your problem and about possibly malicious messages coming on your behalf.
If funds are stolen from your phone or bank card, you must contact the bank on the day of the theft with a demand to return the funds, block your account, prohibit the transfer of funds from your account to other accounts, suspend servicing the accounts to which your funds were transferred facilities. After receiving a response from the bank, contact the police with the account statement.
One of the common mobile scams is also the use of a duplicate SIM card to access remote bank account management systems. A sign of using a duplicate of your SIM card is blocking mobile communication access. In this case, you must urgently contact your mobile operator and reissue
SIM card If your mobile operator confirms that your SIM card has been unauthorized replaced, you must write a claim to the cellular company and contact the police.
You can avoid becoming a victim of these scams by following these recommendations:
- To work with bank cards, Mobile Bank systems, “Online Bank”, “Internet Bank”, etc. use a separate mobile device not intended for conversations and entertainment on the Internet;
- Do not indicate the numbers of mobile devices used to work with bank cards and remotely manage a bank account, as contact numbers on the Internet, in advertisements and on social networking pages;
- Purchase and install licensed anti-virus software on your mobile device from official sources;
- Indicate in the agreement with the bank, or otherwise agree with the bank, that managing a bank account and conducting card transactions can only be carried out from one mobile device with one IMEI, limit the range of operations, set a limit that can be transferred using a mobile device;
- Prohibit the transfer of the entire amount of funds from a card or account.
Carding committed on the Internet and via the Internet:
a) Carding in the sale of goods on the Internet by prepayment (common types: sale of iPhone, digital, household appliances, clothing, shoes, cars, auto parts);b) Receiving from an online store or seller a product that does not correspond to what was declared.
The development of these types of carding is due to human factors, such as the desire to save money, the lack of nearby stores with such goods, and the complete lack of offers on the market. The main goods purchased are luxury items: expensive digital equipment, cars, fur coats, branded items. Facts of purchasing essential goods are completely excluded. The desire to save often leads to the loss of all money, and therefore, the first and main recommendation is to purchase things at their real cost and not look for offers with a 30-50% benefit, since this generally contradicts the principles of the market, or the goods sent will turn out to be counterfeit, faulty, or not satisfying the buyer’s requests.
You should not purchase goods from online stores that position themselves as Russian, but have websites in the domain zones com .org .biz .net .info .tv .mobi.
Particular attention should be paid to reviews on the Internet for this online store or seller. Check when the store or website was created. Was it created a year or more ago? If the site exists for less than a month, then you should refuse to purchase. You can check the presence of an office at a given store, make sure on the Internet that such a house exists, look at it on a map, photos, Yandex, Google panoramas. Make sure there is a store sign on the house or there are office premises. In the pictures you can also find out the names and telephone numbers of nearby organizations, call them and find out the accuracy of the information. In online directories, find the telephone numbers of the administrator of the office center, the reception, and make sure that such a store or individual entrepreneur exists and operates in this building. The information received should be used when communicating by phone with store employees. If a store or seller refuses to call and offers other methods of communication, such as Viber, Skype, WhatsApp and others, or the store does not have a telephone, you should refuse the purchase. During a telephone conversation, you can inform that you are in the city of the seller or store and offer to pick up the goods at your own expense and pay in cash at the office. In case of categorical refusal, you should refuse the purchase.
When purchasing expensive items, such as a car, road equipment, building materials, we recommend spending money on travel to the seller’s city and making sure the seller and the goods are available. Or find a seller you know in the city and ask them to check the authenticity of the offer on the Internet. If this is not possible, then pay for the services of a lawyer, an employee of a car company that sells and buys cars in the seller’s city and, for a nominal fee, invite him to meet with the seller and inspect the car and documents. This also applies to the purchase of building materials and metal - contact the services of a lawyer in the seller’s city. Carders can easily falsify any photographs, scans of documents or cars sent to you over the Internet.
Currently, most online stores operate on a 100% prepayment basis; if you follow these recommendations, you can make a successful purchase.
We strongly recommend not to make “blind” purchases on social networks. The administration of social networks has excluded advertisement sections from the sites and is not responsible for the actions of users using the network.
If you need to purchase a product through a social network, you must carefully check the seller, be sure to contact him by phone, ask for details about the product, demand photographs of the product in detail, offer to send the product by courier service and cash on delivery, discuss the possibility of returning the product, the possibility of self-pickup.
Check reviews and comments left in the group and on the seller’s page. If several network users post entirely laudatory reviews and recommendations, then it is worth looking at the pages of these users to see if they are “fake”, whether they have personal photos and a large number of friends on their pages. This information can also be viewed on the seller's page. The seller’s page must be active, personal photos must be regularly posted on it, albums must be updated, there must be information about the place of study and work, and friends must have “live” and active users. You can clarify where the seller is located, in what city, offer to pick up the goods supposedly to your friends located in this city and evaluate the seller’s reaction. If you communicate with a store online, then ask for the store’s website on the Internet, legal and actual address. If in any doubt, refuse to purchase goods with 100% prepayment through a social network.
Carding involving users’ funds to increase them in financial pyramids, cooperatives, microfinance organizations, exchanges, bookmakers, and electronic currency markets is also becoming widespread on the Internet. Law enforcement agencies strongly recommend not to enter into any relationship with such organizations and persons offering such services, since many companies and Internet sites of these companies are located abroad, the organizations operate under the laws of other states, or are initially carding, and to return the money spent on the data money projects are almost impossible.
c) “Fake” sites, as well as phishing sites.
This type of carding assumes that the victim will find the site familiar and will purchase a product or service there, or provide his or her bank card information.
The only recommendation would be to be careful. It is necessary to pay attention to the address bar of the site, the name of the site, whether there are any additional characters or names in the address bar, whether the site is located in the “ru” domain zone. Copy the site name from the address bar and check it in the search engine. You should not trust sites that have familiar words in their names, but are located in the domain zones .com .org .biz .net .info .tv .mobi and others not related to the Russian Internet space.
Repeatedly check the sites in the sections in which you plan to indicate information about your bank card, by the date of creation of the site, by phone numbers indicated on the site, by reviews on the Internet, you should check whether the site is in various blacklists on the Internet. Remember, the carder only needs the card number and the code on the back of the card (CVV code consisting of four digits) to make purchases and pay for services on the Internet. He can select other data, such as the expiration date of the card, and find out the owner’s name and surname from you or from the Internet from your personal pages.
If you become a victim of such a site and notice this after a transaction or purchase, block the card and contact the bank on the day of the transaction to cancel it and return the funds.
When buying air or train tickets, do not look for very cheap tickets on dubious sites, especially those located in the domain zones .com .org .biz .net .info .tv .mobi. It is advisable to purchase affordable tickets on the official websites of carrier companies.
(c) Main Directorate of the Ministry of Internal Affairs of Russia for the Volgograd Region
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