December 2019 International Journal of Innovative Technology and Creative Engineering

INTERNATIONAL JOURNAL OF INNOVATIVE TECHNOLOGY AND CREATIVE ENGINEERING (ISSN:2045-8711) VOL.9 NO 12 DECEMBER 2019

INTERNATIONAL JOURNAL OF INNOVATIVE TECHNOLOGY AND CREATIVE ENGINEERING (ISSN:2045-8711) VOL.9 NO 12 DECEMBER 2019

UK: Managing Editor International Journal of Innovative Technology and Creative Engineering 1a park lane, Cranford London TW59WA UK

USA: Editor International Journal of Innovative Technology and Creative Engineering Dr. Arumugam Department of Chemistry University of Georgia GA-30602, USA.

India: Editor International Journal of Innovative Technology & Creative Engineering 36/4 12th Avenue, 1st cross St, Vaigai Colony Ashok Nagar Chennai , India 600083 Email: editor@ijitce.co.uk

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INTERNATIONAL JOURNAL OF INNOVATIVE TECHNOLOGY AND CREATIVE ENGINEERING (ISSN:2045-8711) VOL.9 NO 12 DECEMBER 2019

IJITCE PUBLICATION

International Journal of Innovative Technology & Creative Engineering Vol.9 No.12 December 2019

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INTERNATIONAL JOURNAL OF INNOVATIVE TECHNOLOGY AND CREATIVE ENGINEERING (ISSN:2045-8711) VOL.9 NO 12 DECEMBER 2019

Dear Researcher, Greetings!

Articles in this issue discusses about Insight on Internet Banking Crimes & Prevention.

It has been an absolute pleasure to present you articles that you wish to read. We look forward many more new technologies in the next month.

Thanks, Editorial Team IJITCE

INTERNATIONAL JOURNAL OF INNOVATIVE TECHNOLOGY AND CREATIVE ENGINEERING (ISSN:2045-8711) VOL.9 NO 12 DECEMBER 2019

Editorial Members Dr. Chee Kyun Ng Ph.D Department of Computer and Communication Systems, Faculty of Engineering,Universiti Putra Malaysia,UPMSerdang, 43400 Selangor,Malaysia.

Dr. Simon SEE Ph.D Chief Technologist and Technical Director at Oracle Corporation, Associate Professor (Adjunct) at Nanyang Technological University Professor (Adjunct) at ShangaiJiaotong University, 27 West Coast Rise #08-12,Singapore 127470 Dr. sc.agr. Horst Juergen SCHWARTZ Ph.D, Humboldt-University of Berlin,Faculty of Agriculture and Horticulture,Asternplatz 2a, D-12203 Berlin,Germany Dr. Marco L. BianchiniPh.D Italian National Research Council; IBAF-CNR,Via Salaria km 29.300, 00015 MonterotondoScalo (RM),Italy Dr. NijadKabbara Ph.D Marine Research Centre / Remote Sensing Centre/ National Council for Scientific Research, P. O. Box: 189 Jounieh,Lebanon Dr. Aaron Solomon Ph.D Department of Computer Science, National Chi Nan University,No. 303, University Road,Puli Town, Nantou County 54561,Taiwan Dr. Arthanariee. A. M M.Sc.,M.Phil.,M.S.,Ph.D Director - Bharathidasan School of Computer Applications, Ellispettai, Erode, Tamil Nadu,India Dr. Takaharu KAMEOKA, Ph.D Professor, Laboratory of Food, Environmental & Cultural Informatics Division of Sustainable Resource Sciences, Graduate School of Bioresources,Mie University, 1577 Kurimamachiya-cho, Tsu, Mie, 514-8507, Japan Dr. M. Sivakumar M.C.A.,ITIL.,PRINCE2.,ISTQB.,OCP.,ICP. Ph.D. Project Manager - Software,Applied Materials,1a park lane,cranford,UK Dr. Bulent AcmaPh.D Anadolu University, Department of Economics,Unit of Southeastern Anatolia Project(GAP),26470 Eskisehir,TURKEY Dr. Selvanathan Arumugam Ph.D Research Scientist, Department of Chemistry, University of Georgia, GA-30602,USA. Dr. S.Prasath Ph.D Assistant Professor, Department of Computer Science, Nandha Arts & Science College, Erode , Tamil Nadu, India

INTERNATIONAL JOURNAL OF INNOVATIVE TECHNOLOGY AND CREATIVE ENGINEERING (ISSN:2045-8711) VOL.9 NO 12 DECEMBER 2019

Review Board Members Mr. Rajaram Venkataraman Chief Executive Officer, Vel Tech TBI || Convener, FICCI TN State Technology Panel || Founder, Navya Insights || President, SPIN Chennai Dr. Paul Koltun Senior Research ScientistLCA and Industrial Ecology Group,Metallic& Ceramic Materials,CSIRO Process Science & Engineering Private Bag 33, Clayton South MDC 3169,Gate 5 Normanby Rd., Clayton Vic. 3168, Australia Dr. Zhiming Yang MD., Ph. D. Department of Radiation Oncology and Molecular Radiation Science,1550 Orleans Street Rm 441, Baltimore MD, 21231,USA Dr. Jifeng Wang Department of Mechanical Science and Engineering, University of Illinois at Urbana-Champaign Urbana, Illinois, 61801, USA Dr. Giuseppe Baldacchini ENEA - Frascati Research Center, Via Enrico Fermi 45 - P.O. Box 65,00044 Frascati, Roma, ITALY. Dr. MutamedTurkiNayefKhatib Assistant Professor of Telecommunication Engineering,Head of Telecommunication Engineering Department,Palestine Technical University (Kadoorie), TulKarm, PALESTINE. Dr.P.UmaMaheswari Prof &Head,Depaartment of CSE/IT, INFO Institute of Engineering,Coimbatore.

Dr. T. Christopher, Ph.D., Assistant Professor &Head,Department of Computer Science,Government Arts College(Autonomous),Udumalpet, India.

Dr. T. DEVI Ph.D. Engg. (Warwick, UK), Head,Department of Computer Applications,Bharathiar University,Coimbatore-641 046, India.

Dr. Renato J. orsato Professor at FGV-EAESP,Getulio Vargas Foundation,São Paulo Business School,RuaItapeva, 474 (8° andar),01332-000, São Paulo (SP), Brazil Visiting Scholar at INSEAD,INSEAD Social Innovation Centre,Boulevard de Constance,77305 Fontainebleau - France Y. BenalYurtlu Assist. Prof. OndokuzMayis University Dr.Sumeer Gul Assistant Professor,Department of Library and Information Science,University of Kashmir,India Dr. ChutimaBoonthum-Denecke, Ph.D Department of Computer Science,Science& Technology Bldg., Rm 120,Hampton University,Hampton, VA 23688 Dr. Renato J. Orsato Professor at FGV-EAESP,Getulio Vargas Foundation,São Paulo Business SchoolRuaItapeva, 474 (8° andar),01332-000, São Paulo (SP), Brazil Dr. Lucy M. Brown, Ph.D. Texas State University,601 University Drive,School of Journalism and Mass Communication,OM330B,San Marcos, TX 78666 JavadRobati Crop Production Departement,University of Maragheh,Golshahr,Maragheh,Iran VineshSukumar (PhD, MBA) Product Engineering Segment Manager, Imaging Products, Aptina Imaging Inc. Dr. Binod Kumar PhD(CS), M.Phil.(CS), MIAENG,MIEEE HOD & Associate Professor, IT Dept, Medi-Caps Inst. of Science & Tech.(MIST),Indore, India

INTERNATIONAL JOURNAL OF INNOVATIVE TECHNOLOGY AND CREATIVE ENGINEERING (ISSN:2045-8711) VOL.9 NO 12 DECEMBER 2019 Dr. S. B. Warkad Associate Professor, Department of Electrical Engineering, Priyadarshini College of Engineering, Nagpur, India Dr. doc. Ing. RostislavChoteborský, Ph.D. Katedramateriálu a strojírenskétechnologieTechnickáfakulta,Ceskázemedelskáuniverzita v Praze,Kamýcká 129, Praha 6, 165 21 Dr. Paul Koltun Senior Research ScientistLCA and Industrial Ecology Group,Metallic& Ceramic Materials,CSIRO Process Science & Engineering Private Bag 33, Clayton South MDC 3169,Gate 5 Normanby Rd., Clayton Vic. 3168 DR.ChutimaBoonthum-Denecke, Ph.D Department of Computer Science,Science& Technology Bldg.,HamptonUniversity,Hampton, VA 23688 Mr. Abhishek Taneja B.sc(Electronics),M.B.E,M.C.A.,M.Phil., Assistant Professor in the Department of Computer Science & Applications, at Dronacharya Institute of Management and Technology, Kurukshetra. (India).

Dr. Ing. RostislavChotěborský,ph.d, Katedramateriálu a strojírenskétechnologie, Technickáfakulta,Českázemědělskáuniverzita v Praze,Kamýcká 129, Praha 6, 165 21 Dr. AmalaVijayaSelvi Rajan, B.sc,Ph.d, Faculty – Information Technology Dubai Women’s College – Higher Colleges of Technology,P.O. Box – 16062, Dubai, UAE

Naik Nitin AshokraoB.sc,M.Sc Lecturer in YeshwantMahavidyalayaNanded University Dr.A.Kathirvell, B.E, M.E, Ph.D,MISTE, MIACSIT, MENGG Professor - Department of Computer Science and Engineering,Tagore Engineering College, Chennai Dr. H. S. Fadewar B.sc,M.sc,M.Phil.,ph.d,PGDBM,B.Ed. Associate Professor - Sinhgad Institute of Management & Computer Application, Mumbai-BangloreWesternly Express Way Narhe, Pune - 41 Dr. David Batten Leader, Algal Pre-Feasibility Study,Transport Technologies and Sustainable Fuels,CSIRO Energy Transformed Flagship Private Bag 1,Aspendale, Vic. 3195,AUSTRALIA Dr R C Panda (MTech& PhD(IITM);Ex-Faculty (Curtin Univ Tech, Perth, Australia))Scientist CLRI (CSIR), Adyar, Chennai - 600 020,India Miss Jing He PH.D. Candidate of Georgia State University,1450 Willow Lake Dr. NE,Atlanta, GA, 30329 Jeremiah Neubert Assistant Professor,MechanicalEngineering,University of North Dakota Hui Shen Mechanical Engineering Dept,Ohio Northern Univ.

Dr. Xiangfa Wu, Ph.D. Assistant Professor / Mechanical Engineering,NORTH DAKOTA STATE UNIVERSITY SeraphinChallyAbou Professor,Mechanical& Industrial Engineering Depart,MEHS Program, 235 Voss-Kovach Hall,1305 OrdeanCourt,Duluth, Minnesota 55812-3042 Dr. Qiang Cheng, Ph.D. Assistant Professor,Computer Science Department Southern Illinois University CarbondaleFaner Hall, Room 2140-Mail Code 45111000 Faner Drive, Carbondale, IL 62901 Dr. Carlos Barrios, PhD Assistant Professor of Architecture,School of Architecture and Planning,The Catholic University of America

INTERNATIONAL JOURNAL OF INNOVATIVE TECHNOLOGY AND CREATIVE ENGINEERING (ISSN:2045-8711) VOL.9 NO 12 DECEMBER 2019 Y. BenalYurtlu Assist. Prof. OndokuzMayis University Dr. Lucy M. Brown, Ph.D. Texas State University,601 University Drive,School of Journalism and Mass Communication,OM330B,San Marcos, TX 78666 Dr. Paul Koltun Senior Research ScientistLCA and Industrial Ecology Group,Metallic& Ceramic Materials CSIRO Process Science & Engineering Dr.Sumeer Gul Assistant Professor,Department of Library and Information Science,University of Kashmir,India Dr. ChutimaBoonthum-Denecke, Ph.D Department of Computer Science,Science& Technology Bldg., Rm 120,Hampton University,Hampton, VA 23688

Dr. Renato J. Orsato Professor at FGV-EAESP,Getulio Vargas Foundation,São Paulo Business School,RuaItapeva, 474 (8° andar)01332-000, São Paulo (SP), Brazil Dr. Wael M. G. Ibrahim Department Head-Electronics Engineering Technology Dept.School of Engineering Technology ECPI College of Technology 5501 Greenwich Road - Suite 100,Virginia Beach, VA 23462 Dr. Messaoud Jake Bahoura Associate Professor-Engineering Department and Center for Materials Research Norfolk State University,700 Park avenue,Norfolk, VA 23504 Dr. V. P. Eswaramurthy M.C.A., M.Phil., Ph.D., Assistant Professor of Computer Science, Government Arts College(Autonomous), Salem-636 007, India.

Dr. P. Kamakkannan,M.C.A., Ph.D ., Assistant Professor of Computer Science, Government Arts College(Autonomous), Salem-636 007, India.

Dr. V. Karthikeyani Ph.D., Assistant Professor of Computer Science, Government Arts College(Autonomous), Salem-636 008, India.

Dr. K. Thangadurai Ph.D., Assistant Professor, Department of Computer Science, Government Arts College ( Autonomous ), Karur - 639 005,India.

Dr. N. Maheswari Ph.D., Assistant Professor, Department of MCA, Faculty of Engineering and Technology, SRM University, Kattangulathur, Kanchipiram Dt - 603 203, India.

Mr. Md. Musfique Anwar B.Sc(Engg.)

Lecturer, Computer Science & Engineering Department, Jahangirnagar University, Savar, Dhaka, Bangladesh.

Mrs. Smitha Ramachandran M.Sc(CS)., SAP Analyst, Akzonobel, Slough, United Kingdom.

Dr. V. Vallimayil Ph.D., Director, Department of MCA, Vivekanandha Business School For Women, Elayampalayam, Tiruchengode - 637 205, India.

Mr. M. Moorthi M.C.A., M.Phil., Assistant Professor, Department of computer Applications, Kongu Arts and Science College, India PremaSelvarajBsc,M.C.A,M.Phil Assistant Professor,Department of Computer Science,KSR College of Arts and Science, Tiruchengode Mr. G. Rajendran M.C.A., M.Phil., N.E.T., PGDBM., PGDBF., Assistant Professor, Department of Computer Science, Government Arts College, Salem, India.

Dr. Pradeep H Pendse B.E.,M.M.S.,Ph.d Dean - IT,Welingkar Institute of Management Development and Research, Mumbai, India

INTERNATIONAL JOURNAL OF INNOVATIVE TECHNOLOGY AND CREATIVE ENGINEERING (ISSN:2045-8711) VOL.9 NO 12 DECEMBER 2019 Muhammad Javed Centre for Next Generation Localisation, School of Computing, Dublin City University, Dublin 9, Ireland Dr. G. GOBI Assistant Professor-Department of Physics,Government Arts College,Salem - 636 007 Dr.S.Senthilkumar Post Doctoral Research Fellow, (Mathematics and Computer Science & Applications),UniversitiSainsMalaysia,School of Mathematical Sciences, Pulau Pinang-11800,[PENANG],MALAYSIA. Manoj Sharma Associate Professor Deptt. of ECE, PrannathParnami Institute of Management & Technology, Hissar, Haryana, India RAMKUMAR JAGANATHAN Asst-Professor,Dept of Computer Science, V.L.B Janakiammal college of Arts & Science, Coimbatore,Tamilnadu, India Dr. S. B. Warkad Assoc. Professor, Priyadarshini College of Engineering, Nagpur, Maharashtra State, India Dr. Saurabh Pal Associate Professor, UNS Institute of Engg. & Tech., VBS Purvanchal University, Jaunpur, India Manimala Assistant Professor, Department of Applied Electronics and Instrumentation, St Joseph’s College of Engineering & Technology, Choondacherry Post, Kottayam Dt. Kerala -686579 Dr. Qazi S. M. Zia-ul-Haque Control Engineer Synchrotron-light for Experimental Sciences and Applications in the Middle East (SESAME),P. O. Box 7, Allan 19252, Jordan Dr. A. Subramani, M.C.A.,M.Phil.,Ph.D. Professor,Department of Computer Applications, K.S.R. College of Engineering, Tiruchengode - 637215 Dr. SeraphinChallyAbou Professor, Mechanical & Industrial Engineering Depart. MEHS Program, 235 Voss-Kovach Hall, 1305 Ordean Court Duluth, Minnesota 558123042 Dr. K. Kousalya Professor, Department of CSE,Kongu Engineering College,Perundurai-638 052 Dr. (Mrs.) R. Uma Rani Asso.Prof., Department of Computer Science, Sri Sarada College For Women, Salem-16, Tamil Nadu, India.

MOHAMMAD YAZDANI-ASRAMI Electrical and Computer Engineering Department, Babol"Noshirvani" University of Technology, Iran.

Dr. Kulasekharan, N, Ph.D Technical Lead - CFD,GE Appliances and Lighting, GE India,John F Welch Technology Center,Plot # 122, EPIP, Phase 2,Whitefield Road,Bangalore – 560066, India.

Dr. Manjeet Bansal Dean (Post Graduate),Department of Civil Engineering,Punjab Technical University,GianiZail Singh Campus,Bathinda -151001 (Punjab),INDIA Dr. Oliver Jukić Vice Dean for education,Virovitica College,MatijeGupca 78,33000 Virovitica, Croatia Dr. Lori A. Wolff, Ph.D., J.D. Professor of Leadership and Counselor Education,The University of Mississippi,Department of Leadership and Counselor Education, 139 Guyton University, MS 38677

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Contents Insight on Internet Banking Crimes & Prevention

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Insight on Internet Banking Crimes & Prevention Kumaran K Agenda : i. ii. iii. iv.

A. Background of Internet banking B. Internet Usage in India C. Types of Online & Mobile frauds in India D. Cybercrime Prevention Safety tips

Background Internet Banking started in the late 1990s. ICICI was the first bank to champion its usage and introduced Internet Banking to their customers in 1996. Banks like HDFC, Citibank and IndusInd followed. SBI launched Internet Banking in 2001. Anywhere Banking got recognized and services like checking account status, fund transfers, ordering demand drafts, loan applications and shopping portals were viewed as high value offerings. Total transaction value in the Digital Payments segment amounts to US$64,787m in 2019 from about 513.8m users in India. The market’s largest segment is Digital Commerce with a total transaction value of US$58,812m in 2019. Total transaction value is expected to show an annual growth rate (CAGR 20192023) of 20.1% resulting in the total amount of US$134,588m by 2023. A total of 5,743 fraud incidents involving a total amount of Rs. 95,760 crores from Apr 2019 to Sep 2019 reported from Public Sector Banks.

(Source – Business Standard, Nov 20,2019) B. Internet Usage in India This statistic provides information on the number of internet users in India from 2015 to 2023. In 2018, India

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had 483 million internet users. This figure is projected to grow to 666.4 million internet users in 2023. Despite the untapped potential, India already is the secondlargest online market worldwide. The majority of India's internet users are mobile phone internet users, who take advantage of cheap alternatives to expensive landline connections that require desktop PCs and infrastructure. As of 2016, India had 320.57 million mobile phone internet users and forecasts estimate 492.68 million Indian mobile phone internet users by 2022. (Source - https://www.statista.com)

Fig. 1. Number of internet users in India from 2015 to 2023 (in millions)

C. Types of Online and Mobile Banking Frauds in India C.1. Phishing Process of collecting personal information through emails or websites claiming to be legitimate.

C.2. Spoofing Is a fraudulent or malicious practice communication sent from unknown source disguised as a source known to the receiver.

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C.3. Card Skimming Theft of credit and debit card data and PIN numbers when the user is at an automated teller machine (ATM) or point of sale (POS). Card skimming allows thieves to steal money from accounts, make purchases and sell card information to third parties for the same purposes.

C.4. Page Jacking Process of illegally copying legitimate website content to another website designed to replicate the original website and divert traffic from original site to cloned Web pages.

C.5. Juice Jacking Juice jacking is a type of cyber-attack involving a charging port that doubles as a data connection, typically over USB. This often involves either installing malware or surreptitiously copying sensitive data from a smart phone, tablet, or other computer device.

C.6. QR Code Scam A QR code is like a bar code, an image that can be read by a machine. It allows people to make payments by scanning the image and confirming the transaction. Many apps and e-wallets have this feature for easy payment. Most cases QR codes contained malware that drain information from smartphones.

C.7. SIM Swap Fraud A SIM swap scam (also known as port-out scam, SIM splitting, and SIM jacking, SIM swapping) is a type of account takeover fraud that generally targets a weakness in two-factor authentication and two-step verification in which the second factor or step is a text message (SMS) or call placed to a mobile telephone.

Fraudster contacts the victim’s mobile operator and claiming that he has lost the phone. He reaches to the victim to press 1 to approve the SIM swap. Post this the

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fraudster will start receiving all SMS, OTPs, phone calls and so on.

C.8. Denial of Service A denial-of-service (DoS) attack is a type of cyber-attack in which a malicious actor aims to render a computer or other device unavailable to its intended users by interrupting the device's normal functioning.

DoS attacks typically function by overwhelming or flooding a targeted machine with requests until normal traffic is unable to be processed, resulting in denial-ofservice to addition users. A DoS attack is characterized by using a single computer to launch the attack. A distributed denial-of-service (DDoS) attack is a type of DoS attack that comes from many distributed sources, such as a botnet DDoS attack.

C.9. Buffer Overflow Attacks An attack type in which a memory buffer overflow can cause a machine to consume all available hard disk space, memory, or CPU time. This form of exploit often results in sluggish behavior, system crashes, or other deleterious server behaviors, resulting in denial-of-service.

C.10. Flood Attacks By saturating a targeted server with an overwhelming amount of packets, a malicious actor is able to oversaturate server capacity, resulting in denialof-service. In order for most DoS flood attacks to be successful, the malicious actor must have more available bandwidth than the target.

C.11. Malware Malware is a software that takes control of any individual computer to spread a bug to other people’s devices or social networking profiles. These software can be used to create a botnet, a network of computers controlled remotely by Hackers to spread spam and viruses. Malvertising is using advertising to infect people and business.

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C.12. Ransomware Ransomware is a type of malware that threatens to publish the victim’s data or perpetually block access to it unless a ransom is paid. Advanced malware uses a technique called crypto-viral extortion in which encrypts the victim’s file and demands ransom to decrypt them. Ukash, Bitcoin and Altcoins (ex.

Ethereum and NEO) are types of Cryptocurrency.

C.13. Scareware Using fear tactics, cyber criminals compel users to download certain software. Some are projected as Antivirus software while others could be some other mobile applications. Once installed, these programs start attacking the user’s system. User is then forced to pay the criminals to remove such viruses.

D. Safety Tips D.1. Bank Related Avoid hacker calls or emails – No bank will call you and ask for your Bank Account details or any information regarding fund transfer. Keep Net Banking PIN and Password secret. Ideally plan a passphrase which you could remember easily. Do not share your account number to other people especially when you are in a bank. Avoid requesting strangers to fill up forms. Change password frequently. Do not use public computers for Online Banking. Especially avoid bank transactions while working in a cyber-café. Do not click on any link embedded in email/text message without verifying the authentication. Report any lost card immediately. Call the bank immediately and block the card. If you sense any transactions done already, also file a cyber crime complaint. Do not write or store your Key details in paper/system/calendars/phone. Try not to share your credit/debit to any unknown persons for any purposes. Do not share your OTP SMS & email alerts from your mobile. If your mobile has stopped working for unusual reasons, check with your mobile operator immediately. Register for SMS and email alerts

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to stay informed on your bank account to avoid SIM swap related frauds. Do not fill up online forms for letting your space for ATMs/Cell Towers. If you wish to rent do a physical check with the nearby Banks or Service providers. Set up daily withdrawal limit, say Rs.5000 or less. This will prevent the hijacker to withdraw bulk amounts. Wait till the screen refreshes to a new screen after you complete all transactions in the ATM post sign out. Do not click “I Accept“ button while logging out in ATMs for any new Pre-approved Loans messages that appear. Please watch if the Number button wriggle when you use in ATMs. Avoid transactions in that ATMs. Check for Pin hole cameras inserted on top of the Number pad in the ATM. If you find any small object do not transact and report immediately. Do not use passwords from Words in Dictionary. Dictionary attacks have been found successful by hackers. Regularly update your Browser versions and apply security patches. Do not click on messages that request you to update your software especially from Unknown sources. Do not click on software for free trials until due diligence is done.

D.2. Shopping Related Avoid using Debit cards /credit cards in restaurants. If no other option, request the waiter to bring the card machine to your table for swiping.

Don’t give away the card to the waiter first and expect him to bring the machine. Your card details could have already been stolen. Do not click on any link embedded in email / text message without verifying the authentication. Hackers may post interesting discount offers and request you to click the link. Your mobile and its entire content could be hijacked. Do not store user IDs and passwords in browsers especially the famous shopping websites.

Do not store your payment details and if required frequently try changing your CVV with new cards for every six months, if you are a frequent Online shopper. Confirm Online seller’s physical address and phone number if case of any questions / problems. Check seller’s description of product

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closely. Refurbished, Vintage or Close out indicates product is less than mint condition. Branded items at bargain prices could be counterfeits. Compare same product with multiple shopping sites. Do not send cash or money transfers. Check for Refund policy. Also print or save your online transactions including product description, price, online receipt and related emails. Do not call Customer call helplines from search engine results. Check authenticity of the company’s original website and customer support nos. Hijacker may request your bank account details promising refunds but will loot away your bank money. Fraudsters share a QR code over WhatsApp asking for code to be scanned to receive money in their account. You need to scan QR only to make payments not for receiving any payment. Fraudsters ask users to install screen sharing apps such as Screenshare, Anydesk, Team viewer and use them to access bank credentials.

These grant access to your mobile data to the third party. Hijackers call offering Cash vouchers on your credit card for Rs.10,000 and request to share verification code he has sent on Victim’s mobile no.

Once code shared, they start withdrawing money from your account. Online Job frauds and Fake Matrimony sites. You might not be talking to the same person shown in photo / video. These are fake sites and after establishing confidence try to swindle away with your bank money. 47 Online cases in this category registered until last June. Fraud transfer requests from OLX sites have been reported to Cyber Cell. Hijackers claim they have transferred money to your account and request to scan the QR code sent via WhatsApp. Check for the correct brand and serial number of your chosen product. Finish of the product might be different from the website or logo tears off soon. Check brandling locations of the original product and compare with what you received. ContactLess is a chip credit /debit card with the WIFI / wave symbol. This is used in a merchant machine which has also the WIFI symbol.

For amount less than Rs.2000 you need not enter

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PIN. While EMV transactions takes roughly 30 seconds, contact less card takes about 13-15 seconds. If card is stolen, someone else can make contactless purchases. RFID enabled Credit cards – With a pocket size radio frequency scanner cost less than US$ 100 or a high end smartphone with near field communication capabilities (NFC), thieves can obtain data right through your wallet and stand close to you. Wrap Aluminum foil on cards or carry in Aluminium wallet. If your wallet, includes multiple cards with RFID tag in it, the aggregate of data confuses the scanner. Please watch out for people with mobile near your purse especially while standing in the billing section of any merchandise.

Use garbage words as passwords in shopping websites, so hackers cannot get any clues. Install Antivirus to detect suspicious websites and files containing malicious programs. Use Adblocker extensions can be installed in browsers Chrome, Firefox etc. Do not click on Advertisements offering money / huge discounts.

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References: Internet sites

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