Digital fraud: In the past few months, many frauds related to payment have emerged. Gradually, people have adopted digital payments but after facing fraud many times, these methods lose confidence. Digital payment is easy and convenient but one also needs to be careful. Let us know how these frauds happen and what to do to avoid them.
1- Remote Access Mobile Application Scam
Some 'robbers' have kept fake numbers in the name of an NGO. These people call anyone and ask them to download some software. After that, they hack the user's screen. A woman was asked to download a software called AnyDesk. She wanted to contact the NGO to bury her pet dog. Later 30 thousand rupees were deducted from his account. He did not reveal the PIN of the debit card, but due to the screen being hacked, the debit card details were leaked. To avoid downloading the app at the behest of someone without knowing it.
www.irdaionline. org running from URL which was selling a fake policy. Later IRDA issued an alert against this and the URL was blocked. Therefore, it is important to first know exactly which website is official and which is fake and only then transfer money to someone.
3- Digital Fraud in the name of income tax refund
A Mumbai-based private sector employee got a link to the Income Tax Department, which talked about tax refunds. An app was downloaded to the mobile as soon as the link was clicked. After this, someone got his account login details and blew money from the account. It should be noted that the IT department sends the refund directly to the account. Do not trust any such link or message that is asking for account details.
4- KYC update
An IAS officer from Udaipur lost Rs 6 lakh after clicking a link to update the KYC. He entered the OTP after entering the account details. Immediately a message came from the bank that a transaction of 6 lakh rupees has been done from the account. Therefore, you should trust the official website itself and do not trust SMS.
5- Weak password
Many times people inadvertently sit with the help of hackers. The UK's National Cyber Security Center (NCSC) has recently released the list of most hacked passwords. According to the data released, 2 crores 30 lakh people had the password because it was 123456. Therefore, the password should always be created differently and it should not contain digit or only alphabet.
The fraudsters asked a Pune merchant to transfer Rs 10 from a digital wallet. It was told that registration fees would have to be paid to buy scooters online. After this, enter UPI ID and OTP to make payment. After this, 1.53 lakh rupees were deducted from his account. It should be noted that the payment should be made only through the official BHIM or bank app. Also, do not click on sending stranger links.
7- Fake NPCI / UPI / BHIM handle and portal
Many times fake IDs are created on the Twitter handle. When you tweet for help, you accidentally tag them and then they get all the information. So one must verify whether a Twitter account is a blue tick or not.
8- Lack of information about UPI pay option
A man wanted to sell his cooler. He got a phone call from a fraudster who talked about giving Rs 9000 through a link. On clicking the link, the money was not credited but debited.