According to the results of an experiment that EMA conducted in March last year, over 12 days of existence of a phishing site created by the association, 7,400 people visited it. 4,172 visitors left their card details on the site.
Another phishing format is fake online merchants who require a prepayment for the goods, but actually do not deliver. Their goal is not so much to get an advance as to see the details of a payment card.
The peak of ATM fraud occurred in 2015-2016, when the devices for “cash trapping” were particularly popular – overlays on the cash acceptor of the ATM that blocked cash withdrawal (the client left, perceiving this as a malfunction of the ATM, the scammers took the money). Now the number of such cases has declined sharply.
Skimming kits are still popular: a video camera for stealing pin codes and a reader of information from magnetic tape cards.
Relatively new methods of fraud with payment hardware are fake POS terminals (police recorded such cases in pawnshops) and fictitious replenishment of cards through self-service terminals using special banknotes with which fraudsters deceive the terminal validator.
Virus for business
9% of the number of all fraudulent transactions with payments in 2018 was accounted for by hacking company accounts. The cyber police note a similar style of crime: fraudsters send accountants of enterprises the same virus or its modifications by e-mail, thus penetrating their computers.
Often the problem is that companies save on security, for example, refusing to pay banks for the tokenization service (creating a temporary card or account number for each payment transaction. The problem is also on the side of the employees themselves: many victims stored access keys to the company’s client bank directly on the computer’s desktop.
The cyber police also make claims against banks, whose managers do not always call customers back to verify the authenticity of large-scale transactions.
Your money from a bank account and card can be stolen! Most popular methods.
According to police, every year there are more and more ways of remote fraud: unsuspecting citizens are deceived through fraud on the Internet or phone calls, use stolen or lost credit cards, keep a victim at an ATM, hack personal accounts on social networks. The “new thing” in the area of bank card fraud was the “ATM story”, when the previous client “forgets” his card in the card reader after the transaction. When the next customer’s turn comes, he simply removes the card, in addition, at this time the ATM insists that the card will be swallowed. When the “forgetful” owner arrives and the card is returned to him, he, checking the balance, begins to assure that money has been debited from his account. Interestingly, there are also “witnesses” who play the show along with the newly-born “victim”. The victim threatens to call the police and assures that, since fingerprints remained on the card, it will be easy to prove that the money was lost due to the fault of the next client. As a rule, the story with an ATM is played out in secluded places where there are not so many people, and the victim is chosen from those who, under pressure, can get away and give money, as a rule, these are pensioners. Bank employees advise in such cases not to touch someone else’s card and wait until the ATM swallows it, and if the client took someone else’s card, you should not give in to pressure – you need to call the police yourself. There are cameras at the ATMs, and all financial transactions are recorded by the bank, so the scammers will not prove anything and, most likely, will disappear before the arrival of law enforcement officers. You can also call the bank to provide the address of the ATM and check the safety of the video, as well as try to take the faces of the scammers on the camera, so you can contact the police later. Another way of “terminal” fraud is when an attacker starts an operation on the terminal without inserting a card, does not complete it and leaves, choosing a payment method with a card. The terminal gives 90 seconds to complete the operation, and if the next client inserts his card, then money will be debited from his account. In order not to fall for this trick, you need to pay attention to whether the inscription insert card is lit on the terminal, in which case the incomplete operation should be noted. Among the new methods of remote fraud is the offer to send money to the so-called “mirror” account: the imaginary employees of the bank call and warn that someone is trying to access your account. Moreover, the scammers are not trying to get any SMS codes and other information, but simply offer to transfer money to an account that is specially open for such cases – that is, a person independently transfers money to scammers.
The method of fraud is gaining momentum when unknown people call, introduce themselves as law enforcement officers and inform that a person is entitled to compensation, for example, for purchased medical supplies or participation in financial pyramids. For example, one pensioner was informed about the possibility of compensation in the amount of $ 1 million. As a result, the woman transferred almost $ 1,500 to the fraudsters – for non-existent office expenses, court legal fees, certificates confirming poor health, delivery of money by collection, a lawyer, 13% of tax fees and other nonexistent expenses. Moreover, the woman had to take this money on credit. A large proportion of fraudulent activities are related to the purchase and sale of goods on popular sites, when a person transfers an advance payment, but in the end remains with nothing, or when the seller is cleared out with a bank card information supposedly to make a transfer. Similarly, criminals act by creating separate sites or groups of sales in social networks. Theft is gained from theft of bank accounts using IP-telephony, when attackers call from numbers identical to the call centers of credit organizations and appear to be bank security officers. The client is informed that suspicious transactions have been recorded on the card, they are asked to contact the bank employee, who, referring to a server failure, displays the bank card information: number and CVV code, as well as data for entering your personal bank account. Solving such crimes is most difficult, since such organized groups, as a rule, work in other regions and hide under the guise of call centers. For the year from September 2018 to September 2019, the Center for Monitoring and Responding to Computer Attacks in the Credit and Financial Sphere of the Central Bank blocked 4 thousand 936 numbers from which fraudulent calls and mailings were received. Compared to the same period of 2017-2018, the number of such numbers has increased 38 times.
As before, scammers resort to the prize draw method, when an attacker, either by phone, in social networks, or via SMS, informs a person that he won a valuable prize in the lottery of a popular company – all that remains is to get a prize or pay for sending it: In the course of communication, criminals also find out the bank details of the victims and steal money. It is not uncommon for people to install malicious programs on their phones that allow fraudsters to remotely access banking applications and personal accounts to steal money. Over the past year alone – from September 2018 to September 2019 – the Central Bank has blocked about 780 thousand such sites. The police remind you that under no circumstances should you transfer the details of a bank card to third parties. In addition, you need to ignore SMS messages about a supposedly blocked bank card, because bank employees in any case know the details, numbers of your cards and accounts and will never elicit these data from you. One policeman, who asked to remain incognito, told reporters that in 2019 the police managed to initiate several criminal cases on the facts of distance fraud. So, the accused sent out messages: 2 thousand dollars were successfully written off from your card”, and then he introduced himself as a bank employee and found out the details of a bank card from subscribers. He has already been convicted of 10 episodes of fraud, but statements from victims continue to be received, so the police are predicting another series of criminal cases. Another criminal case against a group of people was sent to court – they are accused of 10 episodes of distance fraud on the pretext of selling various goods on the Internet. A criminal case has been opened against a man, who, through a group of a social network, “sold” “Arrl” brand equipment, accepted orders for the purchase of goods, received an advance payment, and did not send the goods. Police remind that if fraudsters stole money from a bank card, you need to block the card, inform the bank about the theft of money and write a statement of disagreement with the operation at the bank office no later than the next day. After that, you need to write a statement to the police. As the expert of the security department of the central bank department clarifies, the main part of the stolen banks themselves is reimbursed to customers under the Law On the National Payment System if the client himself did not give card details to anyone and turned to the bank within 24 hours. The success of the theft provokes the carelessness of computer users. Clicking on links from unverified sources, downloading applications from malware, ignoring the installation of the antivirus and updating it all makes it possible for attackers to obtain a login and password from a personal account or primary data on a credit card. However, in order to complete the payment, fraudsters need to receive CVC and CVV codes and a one-time password to confirm the operation, says an expert at one branch of the Bank. According to the police, quite old schemes remain as workers – SMS mailing with a message about blocking a bank card or even a call to help a relative who allegedly was in trouble by transferring a certain amount of money. Unfortunately, gullible citizens transfer money to resolve the issue, and only then they understand that they need to contact a relative. Up to the point that there were facts when a relative was sleeping in the next room, and my grandmother, bewildered, transferred money, and then she saw her grandson at home”.
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