Internet Fraud

The development of IT technologies and the transfer of bank transfers, payment of utility services and taxes to online rails have led to the fact that offices that deceive customers began to parasitize everywhere on the network. Internet fraud has grown exponentially in a short time.

Popular ways to cheat customers

Becoming the owner of a large amount of money or a "gift" is a tempting prospect. After seeing the advertisement, it is difficult to understand that there is no protection. Even the legislation of the Russian Federation does not always know the way out of the situation. After all, scammers use the golden rule: everything that is not forbidden is allowed.

The dubious experience of those who happened to become a victim of "electronic intruders" makes it possible to identify with a high degree of probability the main methods of Internet fraud:

• SMS mailing of shops ;
• win-win lotteries;
• phishing;
• downloading content.

A request to transfer money a priori should alert the cardholder. The organizers of such promotions refuse to provide complete information about the conditions of the draw, placing dubious clauses of the contract as tricks after each action previously committed by the user.

TOP 10 ways of fraud on the Internet

Dexterous and very advanced in terms of knowledge of the articles of the Criminal Code, economics and financial law, “assistants" are distinguished by the fact that they quickly find a way to deceive, and also quickly “cut off” the opportunity to catch them doing it. Here are the most popular types of scams on the Internet:

"Winning the Lottery

One of the very first methods of Internet scam. To receive a “gift”, you need to send money for the transfer to the specified account. The result is a loss of finances and “thank you” for participating in the lottery. Of course, without any winnings.

The device of lotteries is regulated by the current legislation. Taxes must be paid on the winnings. The lottery hosting portal can do this for participants if it is officially registered as a tax agent.

" Custom horoscope" 

Those who like to know the future are invited to purchase a personal horoscope. To do this, you need to fill in the personal data. The digital abracadabra received after that by e-mail is the code for debiting money from the account. As a gift, "experts in the future" can indeed send a horoscope to an unlucky client.

Fishing

The main fraud on the Internet is related to the provision of various financial services. Extortion of finances from bank cards is carried out by stealing electronic data – CVV codes, passwords, numbers, pin codes. Phishing is usually hidden behind a harmless participation in an Internet lottery, a message about an unexpected receipt of a prize. Information lured in this way from cardholders is used to forge and steal money from accounts.

"Transfer Confirmation"

Used by pseudo-buyers of goods. After the advertisement, a “purchase” is made, but its confirmation is required, since the money is allegedly transferred from the electronic payment system. Having fulfilled all the "instructions" of the fraudster, the cardholder voluntarily transfers a large amount of money to his account.

"Urgent Help"

Stories about how sick children die make people resignedly fulfill “requests” for money transfers. Before showing compassion, you should take care of prudence:

• request details of family members or guardians;
• find out the details of the agent bank.

Only after making sure of the honesty of the intentions of the applicants, it is possible to provide financial assistance.

" Dissemination of Nigerian Letters"

Next to the owners of the “million dollar inheritance” that has fallen on their heads, people immediately appear asking for help in implementing various social projects. Each such transaction requires a small payment of interest, bribes to officials, commissions for paying part of the transaction. There is no promised inheritance, and the costs of obtaining it are growing like a snowball.

"Verification of Details"

The main source of income for Internet scammers, where the standard fraud scheme is “a call from a bank employee”. A request to clarify the data of a plastic card (account number, pin code, secret word) turns into a loss of money for the client. The received SMS password actually confirms the opposite – debiting funds from the owner's card. Data on the year and month of the end of the CVV code obtained by fraudsters allows you to operate finances on the card before its expiration date.

 "Download content"

Getting free music and movies, software and applications for gadgets from the Internet in 90% of cases is a trap for pulling money. Followed by:

• please enter a phone number;
• receiving SMS with a harmless question about age or place of residence.

The answer to the question is automatic permission to debit funds from the account on the client's smartphone. By downloading and opening a complex archive, you can lose this money completely.

"Information Business"

Pay for a life hack – and you become the owner of top information (know-how). Without unnecessary movements, you can quickly lose weight, get rich, and do a lot of other things. In fact, having paid the money, a person ends up in an elementary divorce – he receives an instruction or a video course that he needs to work hard. Naturally, getting up from the couch!

"Free Freelance"

A popular way of making money online for people who know the basics of journalism is also not without the possibility of deception. The scheme consists of typing or writing an article, followed by "evaluation and payment of remuneration." To receive the text you need to pay a certain amount. After completing the task and sending the finished material, the customer instantly disappears from the freelancer's field of vision. On the content exchanges on the network, one of the methods of deception is the non-payment of money due to "poor-quality execution of the order."

How not to become a "eared fraer"

The consequences of getting personal data of various kinds into the hands of violators of the law can be the saddest for their owners: from the uncontrolled disappearance of money from a bank card in one click on a colorful banner, to millions of fines for credit obligations that have arisen from nowhere.

The best protection against Internet fraud, legal exposure and the risk of administrative or criminal liability is to never share your personal data with anyone. Where to go in this case, not a single person will advise. The best way to avoid becoming a victim of electronic scammers is knowledge of the law, vigilance and a correct assessment of the consequences.