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Warning: cases of fraud have become more frequent!
Examples of scam:
✦ They insist on switching to PM after refusal.
✦ They send blurry photos;
✦ They demand to subscribe to a blog for an "order";
I block such users without warning. Take care of yourself! 💙
Simple Techniques to Avoid Fraud Online From Psychic Scams
Being proactive to remain safe from psychic scams is not a rebellion against conventional theories of psychic healing. True enough, there are genuine psychiatry experts online who transform stressful lives and people affected with mental ailments to help them lead normal and peaceful lives.
What started decades ago as confidence tricks and coercive scams on innocent and vulnerable people walking to visit a tarot reader, has now permeated the online world too, by way of online psychic scams. Following simple steps of logic and reasoning can help you avoid becoming a victim of psychic fraud online.
# 1 Check what is promised in psychic reading and if you really need it
Most often psychic reading may end up in frustration, as the reader notices that the reading is all about well-known facts and is nothing new or life-changing. Simple phrases like “you have hit a rough patch with someone because ego and anger crowds your mind” are something that could be worked by the reader himself.
# 2 Check the background of the psychic healers to avoid fraud online
When you approach a psychic healer online, there is not much information on his background or credibility, other than what is available on the internet. Look out for the quality of reviews. If there are too many instances of severe illnesses that have been cured magically overnight, then it is time to be cautious. Also fraud online is caused by more of solo scammers, so look out affiliations to larger networks and the credibility of the whole network as well.
#3 Do not give in for dangerous spell threat used in fraud online
If you receive a threatening email saying that a bad curse or spell will be cast upon you in case you do not go in for some psychic treatment at an exorbitant cost, do not give in. A well-wisher who wants to protect you from a spell will never use threatening language.
Similarly, a new way of fraud online is by sending email stating that there is a message for you from your ancestor from the heavenly abodes and will be revealed to you only on payment, be warned. If there is any truth in the mail, the person should not hold back your message for money.
#4 Avoid questions of probing nature, especially on finances to stay safe from fraud online
A true psychic healer does not require knowledge of your bank balances. Too many questions to ascertain your income, property and finances are warning symbols. Revealing about debts due or about an upcoming inheritance etc. should not be shared at all.
#5 Do not trust services at an extremely low cost
A certified psychic healer delivers his services with professionalism and by investing time and energy. He will quote a decent and realistic rate. Pricing services very low are wooing tricks to win confidence and get you hooked emotionally, only to charge you exorbitantly in successive online sessions.
Phishing Scams & Shopping Fraud Online
Phishing fraud online is a more intricate version of spam. Many scammers and criminal groups use phishing tactics for their fraudulent shopping schemes on the Web. They also use fraud websites that are designed as exact clones of popular shopping sites and ecommerce platforms in their target countries. They clone sites that are regularly used by their target victims. This is to lure more users into their cyber traps.
They sent out deceptive messages to their target shopping site users. These are also called phishing messages, which are mainly sent through email, mobile SMS, as private messages in widely used social networks, and sometimes as instant messages in popular chat applications. Links to their fraud websites are placed in their phishing messages. They incorporate fake urgency claims and scare tactics into the content of their messages. This is to compel more of their target victims to unknowingly participate in their shopping fraud online schemes.
Many victims fall for phishing scams. Most of them end up being victimized by credit card fraud and identity theft. Some lose a lot of money after falling for shopping fraud online tactics. In a recent announcement by RSA FraudAction, they claim that more than 60 new phishing messages are sent out every 30 minutes globally. They also claim that American users are the target recipients of at least 48% of all these phishing messages. This translates to significant numbers of US-based consumers being victimized by online shopping scams every week.
What is Shopping Fraud Online?
In most cases, shopping fraud online is where scammers trick users into sending money for fake product promos and discounted offers. They buy contact details of regular Web shoppers in their target countries from criminal syndicates that sell compiled user information, which is stolen from hacked databases of e commerce stores and online shopping networks. They also use malicious technologies to harvest the contact details of users from popular Web forums, sites, online communities and other Internet platforms.
Once they have a targeted list of Web shoppers, they create fake websites that look exactly like the online shopping platforms where their intended victims frequently purchase products and services from. To make their fraud online schemes and fake sites look more believable, they register domains that can easily be mistaken for the official domain names of the cloned sites. For example, they use domains like amaz0n.com or sub domains at these newly registered domains, such as premiumpromos.amaz0n.com (take note of the "0" that was used in place of the "o" in the official domain name).
They then identify products that are currently very popular across their target countries and Web shopper groups. They copy the exact content of the sales pages for these products from the favorite shopping sites of their target victims. They create pages under their fake sites with the exact same content, except for the price. They highlight fake special promo prices and make it very visible in the pages under their fraud sites. At this point, they're now ready to promote their fake offers to lure their target victims into their shopping fraud online traps.
They create enticing messages with links to their fake offers, which are then sent out to their target victims. They also promote their fake offers across blackhat distribution outlets and pop-up or pop-under advertising networks to supplement their shopping fraud online campaigns. A lot of unsuspecting users are victimized by similar Web scams and online crimes each month.
There are some scammers and criminal syndicates that use different tactics and schemes for committing shopping fraud online. You can learn about the newest Web crimes and Internet scams today that are related to these fraudulent shopping schemes by signing up at BigScammers.Com.
Practical Ways Business Owners Can Fight the Threat from Fraud Online
Right – I’ll get the scary stats out of the way first so I can move quickly onto practical steps you can take today to arm your business against the risk of any weak link allowing criminals the ability to carry out fraud online against you.
● Your biggest risk if you have an online sales portal is remote purchase fraud which increased in the UK by 31 per cent to £224.1 million between January and June 2016 (though the banks detected and prevented 6 in 10 attempts, which is pretty good going).
● Over a quarter of businesses have already fallen victim or experienced attempted scams in last two years
● Prime targets for the “social engineering” type of fraud online are senior management in SME’s and employees in large companies
● Seven in ten UK businesses leaders and managers (69 per cent) have admitted they have not taken any action to protect their business and employees from financial fraud
● America’s small businesses are not immune though – according to the Association of Certified Fraud Examiners (ACFE) there, companies with less than 100 employees lose approximately $155,000 as a result of fraud each year and small businesses also have a higher fraud rate than larger companies
HOW TO FIGHT BACK AGAINST FRAUD ONLINE
As I’ve written elsewhere on the subject, the banks and payment processing companies have a vested interest in ensuring that remote payment methods and internet banking are secure. They work to protect both parties in the transaction as well as ensuring the exponential growth of online sales continues – and they have been effective!
This increased transaction security is making cybercriminals rethink their approach – which means they are increasingly using methods of deception to obtain passwords and login information from unwitting individuals.
Since “phishing” as a practice is 20 years old, you’d think we’d all be wise to it by now but the fraudsters have really upped their game and will target your staff with genuine-looking and viable-sounding emails or phone calls in the hope of finding a “bite” in someone who will be fooled into giving up sensitive information.
PROTECT YOUR CARDS AND BANK ACCOUNTS FROM FRAUD ONLINE
● If you don’t have one already, implement a procedure that needs multiple signatures and sign-offs before any payment is made.
● Likewise, since we’re all busy and generally trust our staff, you could be forgiven for not checking every transaction on your bank statements. That said, it would make sense if keep more of an active eye on your money by keeping a regular eye on the transactions appearing via your internet banking.
● If you need further incentive, allocating the task of paying bills each month back to yourself will ensure you do the first part whether you like it or not!
● On your website, change online checkout procedures to be more risk averse. In the short term, it could be refusing to deliver an item to anywhere but the customer’s registered home address but this long term will lose you sales so look to implement a protocol which will flag high risk transactions before authorisation takes place. A real customer won’t mind a quick phone call or text message to confirm it’s really them making the purchase.
STAFF TRAINING ABOUT FRAUD ONLINE – AND FOR FREE
Some resources that may be useful:
http://www.nationalarchives.gov.uk/information-management/training/information-assurance-training/
https://www.theirm.org/knowledge-and-resources/thought-leadership/cyber-risk/
http://www.nationalarchives.gov.uk/sme/
file:///C:/Users/ASUS/Documents/Writings/national_cyber_security_strategy_2016.pdf
Listed above are some additional reading on the subject from the UK government, including some excellent free resources to help small and medium sized businesses fight the threat of fraud online, including free training for your staff – good luck!
How Do Scammers Commit Credit Card Fraud Online?
Identity theft is one of the most serious Web crimes today. This leads to credit card fraud online and other Web scams. Criminal syndicates continue to defraud credit card holders, financial institutions, merchant account providers and businesses all around the world. Billions of dollars in losses are reported each year across many countries worldwide.
Credit card fraud online caused US-based businesses and American card holders $8 billion of losses in 2014. Security analysts predict this to surprisingly grow by 125% in 2018, which means we're looking at $19 billion of losses due to credit card theft after the next couple of years.
Also in the USA, 30% more monthly scam cases were filed by American users during the first half of this year. This was from over 600 monthly Internet scam incident reports last year. Credit card fraud online comprised a large percentage of these more than 800 monthly Web crime reports this year.
The first step in knowing how to spot and avoid these online scams is to learn about the most prevalent methods and tactics that are used by criminal syndicates for committing credit card fraud online. This can allow you to devise the most suitable steps that you must take to avoid these Internet scams. You'll also be able to properly choose the best online security technologies and Web privacy protection tools to use during your day to day activities on the Web.
Widespread Tactics & Methods for Credit Card Fraud Online This 2016
1. Phishing messages are used by many scammers worldwide to commit credit card fraud online. This is where fake sites are used by these fraudsters to trick unsuspecting users into entering their financial account credentials and personal details.
These fake sites are promoted by these criminal syndicates using deceptive messages that are sent in bulk to their target victims. These messages contain links that point to these fake sites, and are also laced with fake urgency claims and scare rhetoric.
This forces unsuspecting users to scramble and try to log into their accounts as fast as they can. They unknowingly give away their credentials to these scammers through these fake sites. They're also tricked into entering their personal details and credit card information by supposedly updating their profiles to prevent account termination or suspension. Tactics for credit card fraud online are usually full of fake claims.
These phishing messages are sent out through email, SMS, instant messaging and private messages in online communities like social networks and Web forums. Some of these scammers who commit credit card fraud online use hacked accounts in these applications and online platforms to send out these phishing messages to the contacts of the rightful account owner.
2. Online romance scams are also used to commit credit card theft. This is where fraudsters pose as users of popular dating sites and apps. They then lure their target victims into engaging in intimate conversations with them outside these online dating platforms, usually in widely used social networks with private messaging and voice chat features like Facebook.
The target victims of these criminal syndicates are mostly married men and women who hang out in these dating sites and apps. They force their victims to pay huge fees by threatening to publish their intimate conversations all around the Internet.
They also push these users to the edge of this dating fraud online. They do this by telling their victims that the recordings and logs of their intimate conversations will be directly sent to their spouses, children, employers, friends and colleagues if they don't comply with their demands.
Once their victims give in to their demands and send them money, usually through credit cards, these fraudsters steal their card details. They then use these stolen information to commit other forms of fraud online. These are the most prevalent methods and tactics that are used by scammers today to commit credit card fraud online.
Fraud Online - How Do Scammers Steal Credit Cards?
Among the biggest fraud online operations of criminal syndicates today are“card not present” scams. US analysts reported $8 billion of losses because of these scams in 2014. They also predict these losses to grow to $19 billion by 2018.
A significant percentage of the more than 600 monthly fraud online cases reported last year (2015) includes “card not present” scams. This has grown to more than 800 monthly cases in the US alone during the first quarter of 2016. So, how exactly do scammers get hold of stolen credit cards?
How Do Fraud Online Syndicates Steal Credit Cards?
Phishing scams are among the most widely used fraud online schemes that are used by scammers to steal credit card details. This happens when criminal syndicates set up fake websites that look exactly like the official sites of the target user's banks, financial institutions and online shopping networks.
These fake sites are designed to trick users into giving away their credit card and other personal details. So, how exactly do users end up on these fake websites to become victims of this fraud online scheme?
One method that these scammers use to perpetuate such fraud online schemes is through spam messages. These criminal syndicates buy mailing lists and the contact details of users with accounts at certain banks and financial institutions.
They then deploy mass messaging campaigns. Their target users end up getting messages via email, IM (instant messaging), PMs (private messages) in popular social networks and also through mobile SMS.
Many of these messages are designed to scare users into thinking that their financial accounts have been compromised. They are told to click the links in these messages to update their account credentials, in order to reverse and normalize the security of their accounts.
Once they click these links, they are taken to fake websites that look exactly like the official sites of their banks and financial institutions. Many unsuspecting users enter their credentials, which are then logged and stolen by these scammers.
That's one of the methods that these scammers use to perpetuate this fraud online scheme. Another method is through adware programs that are covertly installed in the target user's device.
Also called drive-by installations, these are installed in the user's device without the user's consent. After the user clicks a link in a spam message or on a suspicious site, they're taken to a fraud site or a popup message with functions for covertly installing these adware programs.
To initiate the download and installation of these adware applications in the user's device, all the user needs to do is to click a button or a link in the fraud site. Usually, these are disguised as buttons for closing the popups.
Upon installation, the adware programs are configured to automatically initialize upon device startup. While running, these adware applications may change the search engine of the user's default Web browser.
When users deploy their compromised Web browser's default search engine, fake yet enticing banner links are displayed along with the search results. Upon clicking these links, many unsuspecting users are tricked into entering their credit card details. They're deceived into thinking that they're buying popular products that are available in widely used online shopping networks like Amazon at discounted prices.
These adware programs are configured to display products that are directly relevant to the user's searches. Hence, this fraud online scheme is able to trick more users into entering their credit card details.
Now that you know how these methods are used by scammers to perpetuate their fraud online schemes, you'll be able to think of ways to avoid these scams. What you can do is install an anti-malware program in your device with a real time scanning engine and anti-adware features. There are also complete solutions that include anti-spam filtering functions, Web privacy and online security features.
Fraud Online And Internet Shopping
Everybody is aware of fraud online nowadays. People with wrong intentions have found out various ways to cheat people of their money who have made the mistake of believing a scam that might have targeted them via online activities. One such fraud is online shopping fraud. The popularity of internet shopping and online transactions is at an all time high. This has led people to be more victimized by the frauds. Some of the most common fraud online occurrences while shopping include:
1. The buyers are not receiving their goods after the payment has been made.
2. The sellers are not receiving their payments after they have dispatched the goods.
3. The buyers are receiving goods which do not match the description and are less valuable.
Once you have become a victim of online shopping fraud there is no way you can recover the money or the goods lost. Again there is the risk of identity theft as somebody else might impersonate you to make a purchase and you may be charged for that. In all these cases you have been chosen as the target for some swindlers who have taken online shopping as a very good option to make good money.
There are ways how you can protect yourself from shopping fraud. Some of the ways are:
The website’s feedback option is a very good way to check that the other customers have to say about the purchases made. This will also ensure that some people have made purchases and have not been victims of fraud online.
The descriptions of the items should be carefully checked and any question that might occur should be clarified.
You should always stay safe from deals or bids much lower than the price offered in the market. An offer which is too good to be true is actually a fraud online.
Do not buy things from websites where there is no selling history.
The URL in the browser should be checked because it has been often found that the fraudsters change the address a little bit and make it look like an original e-store.
The terms and the conditions should be read successfully.
The transactions should always be made by secure methods like Paypal.
Any kind of confidential information should never be shared by emails.
As a seller one should never accept a check for a higher amount and agree to send the difference back. This is a common way of cheating that extra amount as the check is usually a forged one.
A fraud online can also occur when a criminal persuades a businessman to carry out a business transaction and then uses wrong methods to pay money for it such as a stolen or a non-existing credit card. When these credit cards are accepted, the ones who accept them my receive a chargeback for the transaction and lose money instead. These kinds of internet fraud online occur when a person uses his credit card to make a purchase and the hackers use this information to withdraw money in the name of this person. By following these simple tips, you can easily prevent most types of fraud while doing your online shopping. Apart from enjoying your online shopping experience, it will also keep you financially protected.
