Fraudsters in the area consumer lending Advertisements are now popular where companies offer to provide a loan for 50 thousand rubles in 15 minutes. Given the fact that after the 2008 crisis, banks began to approach the credit quality of borrowers cautiously, such promises should be alarming. However, citizens who often need money turn to such “specialists” for help. Scammers offer various options for cooperation. For example, you are asked to apply for a store credit for expensive household appliances and immediately give it to a dealer at half price. As a result, you are left with the required amount and credit obligations to the store equal to twice the amount plus interest on the loan. Moreover, appealing to the police in this case will not lead to the desired results, since the borrower signs all the papers in the store voluntarily.
Shenanigans with plastic cards A large number of scams are associated with plastic cards. Some banks send credit cards customers by mail. If desired, they can be activated if a credit card is needed or not. To activate, sometimes it is enough to give the password on the phone and your data. However, the card may not reach the potential client at all. Fraudsters steal them from the mailbox, find out the passport details of the person in whose name the card was sent, and make purchases with it. At the same time, you remain indebted to the bank, and the bank that provided you with an unnecessary service is absolutely clean legally.
Do not transmit the card number and PIN code either via the Internet or by phone. When making card transactions or withdrawing cash from an ATM, make sure that no one can see the entered PIN code. Do not withdraw money from unfamiliar and suspicious-looking ATMs, especially on vacation. If you find that your card is lost, immediately call the bank and block it.
If you received a demand to repay a loan that you did not take, write a statement to the police and the bank. If the fact of fraud is confirmed, the bank will stop working with the client on the issue of delay until a court decision. Forgery of plastic cards falls under Article 187 of the Criminal Code "Production or sale of counterfeit credit or payment cards and other payment documents" and is strictly punishable by law. If cash has been withdrawn from your account, contact the police as soon as possible and write a statement to the bank. If the fact of fraud is proven, in some cases banks can even return the funds stolen by scammers. Do not provide your passport data by phone or via the Internet to suspicious persons who introduce themselves as bank employees, since the bank never requests information in this way.
Black Loan Brokerage Black Loan Brokerage Black Loan Brokerage A black loan brokerage is an intermediary that specializes in helping clients obtain bank loans. Unlike ordinary black loan brokers, they do not always operate in legal ways.
In order not to accidentally contact black loan brokers, remember a few simple rules: 1. You should not deal with specialists who advertise on free hostings (sites) "Loan per hour", etc. You should be alerted by the fact if the site contains only a mobile number and an email address, instead of a city address and an office phone number. 2.Make sure that the activity of the broker is official, and there is a certificate of state registration on the page. 3.Make sure the broker is ready to sign the rendering document with you intermediary services. 4. Agree to meet only in his office, and not on the street or in a cafe. 5. Draw conclusions if you are offered to forge any document. 6. Ask the broker to go with you to the bank to take the package of documents. "Black brokers" try once again "not to shine" and, most likely, will refuse. 7. Never sign any collateral or loan agreements outside the bank. 8. Do not leave your documents to the broker.
Loan for friends Loan for friends Another type of scam is loan processing for friends. You are asked to act as a guarantor or in general to take out a loan for yourself as a friend, so that someone with a bad credit history or low official income can pay it off. Remember, if a friend or acquaintance refuses to repay the loan, all financial and legal responsibility will fall on your shoulders.
Plastic cards have become a common way to store money. It would seem that finances are securely protected, because a credit card is always at hand, and you can get cash or pay in a store only if you know the pin code. However, not everything is so smooth. Fraud with bank cards is gaining momentum, as scammers come up with new schemes and frauds every time, the purpose of which is to withdraw money from a card account. In order not to become a victim of thieves and protect your own savings, you need to know all kinds of data theft methods and options for protecting against them.
A bank card is almost a universal tool in the financial world - it is transferred wages, issue loans, it is calculated at points of sale and on the Internet. If someone needs money on the other side of the earth, they can also be transferred using a card. At the same time, the number of crimes related to the theft of money from plastic is growing. Most of them are due to inattention and excessive trust of credit card holders. There are many ways to steal money from a card, which are worth considering in more detail.
When installing third-party applications from the Internet that require card binding, you should be very careful. The fact is that the creators of the program deliberately infect it with a virus that, penetrating into a smartphone, begins to work for scammers. It replaces the mobile banking window with a phishing one, that is, a fake one, and the owner of the phone enters his data there without suspecting anything. The virus sends them to scammers, who then illegally gain access to the client's card account.
In addition, the program can access the client's SMS notifications while working in the program. With their help, thieves under the guise of a debit card holder can enter banking and steal money. The client may not suspect anything, as viruses block cash withdrawal and money transfer messages that should be received on the phone. It is easy to avoid getting a Trojan into your phone - you only need to install licensed programs (including antivirus programs) and regularly check your account.
If a bank card was linked to the phone number, then the fraudster can take advantage of this situation. When a phone or SIM card is stolen/lost, criminals get access to Internet banking and calmly transfer all the money from a credit card. In addition, attackers can hack the site of a mobile operator. After that, they set the forwarding of all user SMS messages and use them to access mobile or Internet banking.
The owner of the credit card receives a message on the cell that the card is blocked. To unlock it, it is proposed to make a call back to the operator financial institution at the number indicated in the SMS. During a phone call, the scammer introduces himself as an employee of the bank issuing the credit card and asks for secret information: the number from the plastic, the code word and the numbers of the pin code, supposedly necessary for unlocking. With the help of these data, it will not be difficult for a swindler to use the sums of money from the card account.
Through the Internet
Buying goods online is very popular because it helps to save a lot. Fraudsters can intercept data right at the time of making a payment, and then use bank card details to further withdraw money. You can avoid this by following simple rules:
Fraud with bank cards by stealing a credit card is a common thing. If this is found, you must urgently contact the operator and block the card or do it yourself through a mobile or Internet application. This is extremely important when the plastic only has a magnetic stripe. It is not possible to withdraw money from it without a PIN code, but it is not difficult to pay in a store. Cards with a chip or contactless payment are more difficult to use, because for any transactions you need to enter a secret password number.
Attackers go to different tricks, just to take over other people's finances. They can even make a fake ATM. It is installed in a crowded place so that as many people as possible take advantage of it. By inserting the card into the device, a person sees information about the lack of cash or a system malfunction. Meanwhile, scammers get hold of all the information they need to withdraw money. A fake ATM can return the card, or it can keep it. In this case, it will be even easier to withdraw money, because there is an original and a pin code is known.
When shopping in a store, you should carefully monitor the cashiers who take plastic in their hands to pay at the terminal. If a store employee swipes a bank card twice across the terminal, then the first time he does this to write off the money, and the second - to remove information from the plastic, in order to withdraw the money later. In addition, he can remember the cvv code and data on the front side, with which it is easy to make purchases on the Internet.
Withdrawing money with the help of the owner of the credit card is elementary. For this, known methods are used. The first of them is fraud with bank cards by gluing the part of the ATM from where the money comes from with tape. The client inserts a card, enters a pin code, hears the ATM counter, but does not receive money, since the money dispenser does not open. In the second case, swindlers make a special device from photographic film, which is inserted into the card reader - the ATM accepts a credit card, issues money, but does not return the card.
It is much easier to get hold of the necessary information contained on plastic than bank card users think. Often fraud occurs through the fault of bank customers themselves due to negligence and inattention. Scammers can easily peep the secret code from behind their shoulders when the owner of a bank card pays in a store, withdraws cash from an ATM, etc.
In addition, there is a conspiracy of malefactors with sellers who can provide fraudsters with information from buyers' payment cards. Sometimes swindlers negotiate with bank employees. Those tell them where the credit card ordered by mail will arrive, which the thieves intercept and withdraw cash. The most common way is infection mobile devices trojans that steal data when paying by a bank card holder on the network.
Progress does not stand still. The same can be said about credit card scams. Whereas before, fraud with bank cards was limited to sealing up a cash dispenser and stealing plastic, in modern world scams have taken a new dimension. Now new ones are coming to "help" the attackers. contactless technologies and the Internet, although the carelessness of users plays a big role here.
Recently, facts of fraud with Sberbank bank cards have become known. To do this, fraudsters use the service number of the organization, because it is technologically possible. An SMS from the number 900 comes to the victim's phone with a request to transfer a certain amount of money. To do this, you must send the code contained in the message in response, or the operation will take place automatically after 600 seconds.
After some time, a call is heard from the official number of Sberbank (8-800-555-5550), where a person, posing as a specialist in the security service of a banking institution, asks the client to send a response SMS, where to indicate the code, space and the phrase "transfer cancellation". After sending the message, the money, as well as the employee of Sberbank, disappear without a trace.
This type of fraud is new in the Russian financial market and it strikes not the owners of salary and credit cards, but ATMs. The essence of the fraudulent scheme is that cash dispensing devices are infected with a special Trojan virus, which gives attackers the opportunity to withdraw cash from an ATM by entering a special code on the keyboard. For the first time, such a phenomenon was encountered in the spring of 2019.
Using a payment card with technology contactless payment PayPass allows you to make payments in the amount of up to 1000 rubles without entering a pin code. Criminals take advantage of this opportunity, because to carry out the operation, you only need to attach a portable terminal to the bag or clothing where the credit card is located. It is not difficult to carry out such fraud, especially in places with a large crowd of people.
Every year the number of so-called "gadgets" increases. Criminals use in their scams both technical tricks, in the form of special overlays, inserts, cameras, and intangible means. The ways of fraud with bank cards and the methods used can be so simple that from the first time the plastic owners do not even understand that they are being deceived.
A method of theft that is gradually becoming a thing of the past due to the introduction of chip cards, but nevertheless has not lost its relevance. It consists in installing a special skimmer device in place of the ATM card reader, from which it is very difficult to distinguish it outwardly. The bank client inserts plastic, and the attackers copy all the necessary information from the magnetic strip of the card to make a duplicate. The PIN code is obtained in two ways - by installing a special overlay on the ATM keyboard or by mounting a miniature video camera.
One type of skimming is skimming. This is an improved version, since instead of a patch device, a thin board is placed in the card capture reader. Subsequently, she reads all the necessary information from the card. Skimming is used by attackers not only in ATMs, but also in shops or cafes. In this case, a portable device is used - a manual skimmer.
Subsequently, thieves issue copies of bank credit cards, where information from the stolen plastic is applied. Once fraudsters have faked bank cards, it will not be difficult to withdraw money from them or pay in a store, since confirmation codes are known. In order to avoid becoming a victim of skimming, you should try not to withdraw money from ATMs located in remote and dimly lit places, because such devices are easiest to equip with readers. AT outlets It is advisable to pay by credit card yourself, and not transfer it to the wrong hands.
“Catching with a bait” - this is how you can translate this type of theft. Its essence lies in the fact that email from fraudulent sites or the victim’s phone, a message arrives asking for credit card details. It could be a promotion payment system or a bank, but it should be understood that all this is a divorce, since not a single banking organization will not send out such offers in order to "fish out" the personal data of the client.
The type of fraud is akin to the above phishing, with the only difference being that in order to get hold of the data of the owner of the plastic, telephone communications, and the conversation can take place both in an automated mode - using an answering machine, and directly with the so-called operator of a banking institution. Attackers, under any pretext, try to find out information about the credit card, secret code and customer data.
The buyer may call if the owner of the credit card posted information on the sale of an expensive item on a popular classifieds site. Under the pretext that the transport company that will pick up the goods needs the full personal data of the seller, and he himself needs information from the card in order to transfer money, he lures out all the necessary information, after which he disappears, and with him the funds from the account.
Thieves have long moved into the virtual space, just to take possession of the money of gullible buyers. To do this, online stores are created that offer goods at bargain prices so that as many buyers as possible want to buy them. Payment for the purchase is proposed to be made using banking plastic. The purpose of scammers is to obtain data from buyers' cards, including a cvv code, and then use them to independently pay on the Internet.
This type can rather be attributed not to malicious intent, but to technical errors that arose from the processing center, which processes all payment transactions by bank cards or issuing bank. Besides, double write-off funds can be attributed to the inexperience of the seller or problems with the payment terminal at the point of sale. It is impossible to avoid such actions, but it is easy to notice them in time - for this you need to activate the SMS informing service. If you discover what happened, you must immediately inform the bank that issued the credit card.
Before inserting plastic into an ATM, you need to make sure that there are no suspicious linings on the surface - as a rule, they differ in color and type. For owners of credit cards with a contactless payment method, it is recommended to set a minimum credit limit when paying without a PIN code or cancel it altogether. Additionally, you can minimize the risks by placing the card in a radio-shielded wallet (for this you just need to put its foil inside), a metal box or a foil bag.
Under no pretext, you can not give your credit card into the hands of third parties, and even more so tell the pin code, because this is secret information that is available only to the owner of the card, even bank employees do not know it, because it is generated automatically. Do not pay in response to SMS messages and emails from unknown sources. In case of any suspicion or unauthorized debiting of funds from the balance, you need to call the bank and block.
The first thing to do if money is debited without the knowledge of the owner is to call banking institution according to the number indicated on the back of the plastic. They should report the disappearance of funds from the card account and follow all instructions. After that, you need to go to the nearest police station and write a statement.
If the client is completely sure that he did not make any unauthorized transactions on the card (you need to make sure that relatives are not involved in this), you need to write an application to the bank for a refund. If the bank refuses, you can safely go to court. It is extremely difficult to return the disappeared funds, especially if a PIN code is required for transactions, but such cases are known. It is easier to return the money if a hacker attack on the bank is recorded or a large number of citizens have suffered.
The Criminal Code (Article 159.3) recognizes fraud with bank cards as a crime for which the perpetrators are liable in accordance with the law. According to the code for the deed, a fine, arrest, correctional labor or restriction of freedom is provided. The monetary compensation, the number of hours of forced labor or the time of arrest directly depend on the stolen amount, whether the crime was committed independently or by an organized group.
A significant number of considered petitions (representations) to bring sentences in line with federal law dated November 29, 2012 No. 207-FZ dealt with fraud in the field of lending. And the largest number of persons (807) out of 2133 citizens, in respect of which the Decree of the State Duma "On amnesty" dated 02.07.2013 No. 2559-62 was applied, were convicted of fraud in the field of lending.
According to analysts from the National Bureau credit histories(NBKI), as of January 2014, the damage from this type of fraud amounted to 153 billion rubles, while a year earlier it was 66.8 billion rubles.
The object of credit fraud is the same as the object general composition fraud. This is due to the location of the norm in Chapter 21 of the Criminal Code of the Russian Federation “Crimes against property” and the fact that earlier responsibility for this act was provided for under Art. 159 of the Criminal Code of the Russian Federation. As an additional object taken under protection by this structure, public relations that develop in the field of banking especially in the area of lending.
Credit (credit relations) is a subspecies economic relations arising on the basis of an agreement on the movement of value. In accordance with the provisions of paragraph 2 of Ch. 42 of the Civil Code of the Russian Federation (credit), credit relations arise on the basis of a loan agreement and are a subtype of a loan. Since the disposition of Art. 159.1 of the Criminal Code of the Russian Federation, only credit relations are indicated, it seems that all other types of loans remain outside the scope of this composition. According to the provisions of art. 816 of the Civil Code of the Russian Federation, a loan agreement is an agreement between a lender (a bank or other credit organization) and a borrower, according to which the lender provides the latter cash(credit) in a certain amount on the terms of repayment and payment of interest for the use of funds. The contract must be concluded in simple written form. The most typical terms of the loan agreement include: the amount of funds; the purpose of the loan; term; provided guarantees of repayment; the size interest rate and the procedure for making payments on the loan.
From the foregoing, we can conclude that the subject of the crime is only money. Credit can also be provided in foreign currency(part 2 of article 819 of the Civil Code of the Russian Federation, part 1 of article 807 of the Civil Code of the Russian Federation). Only a bank or other credit organization can act as a victim. In accordance with the provision of the Federal Law “On Banks and Banking Activities”, a bank is understood as a legal entity whose main purpose is to make a profit, whose activities are based on a special permit (license) from the Central Bank, authorized to perform the following exclusive actions: attracting funds from individuals and legal entities; placement of these funds on its own behalf and at its own expense on the terms of repayment, payment, urgency; opening and maintaining bank accounts individuals and legal entities. Another legal entity may also act as a creditor, which means foreign bank, i.e. bank with foreign investment or a branch of a foreign bank.
If we follow the logic of the legislator, it turns out that a bank or other credit institution is more protected than other persons acting as borrowers, since liability under Art. 159 of the Criminal Code of the Russian Federation is more stringent than Art. 159.1 of the Criminal Code of the Russian Federation. In the event of fraud on other types of loans, the actions of the borrower will be qualified according to the general norm of Art. 159 of the Criminal Code of the Russian Federation. The fact that the large and especially large size in Art. 159.1, 159.3-159.6 of the Criminal Code of the Russian Federation was increased to 1.5 million rubles. and 6 million rubles. accordingly, once again indicates that for the bank losses in the amount of 250 thousand rubles. and 1 million rubles. are not as significant as for ordinary legal entities or citizens. Thus, the minimum authorized capital for a newly registered bank is 300 million rubles, and for an ordinary legal entity 10 000 rub. (for LLC).
Analysis judicial practice showed that in most cases such fraud is associated with commercial lending, which is issued directly at the points of sale of consumer goods. So, by the verdict of court district No. 1 of the Rasskazovsky district of the Tambov region, D. was found guilty of committing a crime under Part 1 of Art. 159.1 of the Criminal Code of the Russian Federation. In order to steal other people's property, she provided the bank with knowingly false and inaccurate information about the place of work and income upon receipt consumer credit, the money from which was spent on the purchase of a camera. In the future, she did not fulfill her loan obligations.
The objective side is characterized by the theft of another's property by deception. It is assumed that the act cannot be committed in the form of acquiring the right to someone else's property, which postpones the end of the crime to a later date. It is considered completed from the moment the borrower transfers the amount of money specified in the loan agreement, as well as the acquisition by him legal law for the disposal of these funds, which also meets the provisions of Part 2 of Art. 819 of the Civil Code of the Russian Federation and part 1 of Art. 807 of the Civil Code of the Russian Federation. The method of fulfilling the objective side is a breach of trust, as determined in accordance with the resolution of the Plenum Supreme Court RF dated December 27, 2007 No. 511, although, as previously emphasized, breach of trust does not exist as an independent method of fraud.
An analysis of judicial practice has shown that often the activity of intruders is terminated due to circumstances beyond their control, for example, due to the detection of falsity of the data provided. Thus, according to the verdict of the Stupino City Court in case No. 1-294/13, in December 2013 S. was found guilty of a crime under Part 3 of Art. 30 h. 2 tbsp. 159.1 of the Criminal Code of the Russian Federation. She entered into a criminal conspiracy with N. aimed at embezzling funds by concluding an agreement between herself and any bank to provide a loan, by providing the bank with knowingly false and inaccurate information. C., handed over to the manager
HCF BANK LLC, forged by N. the passport of citizen B., in which a photograph of S was pasted. When trying to conclude a loan agreement, employees of HCF Bank LLC had doubts about the authenticity of the documents, as a result of which the police were called, who detained S. , and N., who entered into a criminal conspiracy with her, fled from the investigation.
However, the provision of false information when concluding a loan agreement should not prejudge the fate of the person's guilt. The point of view of V.S. Minska that the fact of providing deliberately false (inaccurate) information is already a danger to society. The person providing such information may be guided by various motives, not necessarily related to the subsequent extraction of property benefits or saving himself from costs, and not pursue the goal of embezzling funds. In each case, the courts should consider the reason why the funds are not returned. It seems that the victims initially need to try possible civil law remedies, rather than immediately turn to law enforcement agencies.
In accordance with the materials of the case No. 1-7/2014 of the verdict of the court district No. 2 of the Zheleznodorozhny district of Penza, in January 2014, the accused S. was found guilty of committing 3 crimes under Part 1 of Art. 159.1 of the Criminal Code of the Russian Federation. Based on the materials of the case, it was established that S. concluded 3 loan agreements for the purpose of purchasing household appliances, none of which has received a single payment to repay the debt, thereby causing damage credit institution. He left deliberately false information about the place of work and income. Defendant S. did not plead guilty to committing crimes, t.to. had no intent to embezzle money. Previously, he also took out two loans, which he fully repaid ahead of schedule. Then he again took out three loans to purchase equipment, but due to family difficulties he could not return the money to pay off the debt. He provided false information about the place of work, because he did not have a regular income due to the fact that after his release from prison he was engaged in private transportation, and the car was damaged as a result of an accident.
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Goals and objectives Goals: Expand knowledge of bank cards and the security of their use Uncover technical methods of fraud Objectives: Get information about bank cards Learn how to protect bank cards Learn technical methods of fraud
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Bank card Bank card (eng. Bank Card, BCard, BC) - a plastic card linked to one or more bank accounts; tool that gives you access to your personal account in the bank. It is used to pay for goods and services, including via the Internet, as well as cash withdrawals.
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Rules for safe use of the card To prevent the use of your card by another person, keep the PIN code separately from the card, do not write the PIN code on the card, do not disclose the PIN code to other persons (including relatives), do not enter the PIN code while working on the network Internet To avoid fraud using your card, require transactions with it only in your presence, do not allow the card to be taken out of your sight
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Rules for the safe use of a bank card If you are contacted by phone, on the Internet, through social networks or in other ways, and under various pretexts they try to find out your bank card details, passwords or other personal information, be careful: these are clear signs of fraud. If you have any doubts, we recommend that you stop communicating and contact the bank at the phone number indicated on the back of your bank card. Do not listen to the advice of third parties, and do not accept their help when conducting transactions. If necessary, contact the employees at the bank branch or call the numbers indicated on the device or on the back of your card
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Rules for the safe use of a bank card Destroy checks with passwords from Internet banking systems if you do not plan to use them. Do not transfer checks to third parties, incl. bank employees Keep your card out of the reach of others. Do not transfer the card to another person, except for the seller (cashier). It is recommended to keep the card separate from cash and documents, especially when traveling
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Fraud Fraud is the theft of someone else's property or the acquisition of the right to someone else's property by deceit or breach of trust. The person doing this is called a swindler or swindler.
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The main types of fraud with bank cards Theft of bank cards Technical tricks Copying card data Theft with the help of viruses Phantom ATM Scotch method Psychological impact Technical tricks Skimming Letters and calls from scammers Phishing
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Theft of bank cards Theft is the most common way of fraud. Your wallet was stolen, and there are several of your cards in it, including credit cards. If all the cards are with a chip, then the criminal will need to find out the pin code, without which you cannot pay for the goods in the store, and you cannot withdraw money from the ATM. If there is an old-style card, it can be cashed in the store by purchasing any product.
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Technical tricks. Copying card data by service workers The salesperson or waiter rolls your card on a special miniature hand-held skimmer. The PIN code or other details of the card are easily recorded on a video camera, after which a clone of your card is also made and money is withdrawn from it.
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Theft with the help of viruses A very dangerous type of technically advanced fraud, when a smartphone or computer is "infected" with a virus program, for example, a Trojan (details in the article). This is such a smart "digital pest" that it can not only corrupt the data on your computer or "steal" valuable information, but also act on behalf of the owner of the phone (whether there will be more!).
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Theft with the help of viruses For example, you installed some free program from GooglePlay on your android, and along with it, a virus entered your smartphone. Your phone number is linked to the card, i.e. service is connected to your phone mobile bank. So, a Trojan accidentally installed by you can find out your balance using SMS banking commands, send an SMS command to transfer from your card to another, and independently respond with an SMS to a message confirming the operation. Moreover, the owner of the smartphone may not see any signs of activity, the virus will simply hide them from him, or he will see them, but it will be too late.
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Phantom ATM Instead of a real ATM, scammers can build a plastic frame with a skimmer built into it. From the inserted card, all the necessary information for its subsequent cashing out can be read into the card reader, and at the same time, the attackers will find out your pin code typed on the “pseudo-keyboard”. Alternatively, the ATM may swallow and not give the card at all.
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Scotch method A person approaches an ATM, wanting to withdraw money from his card, inserts the card into the card reader and types a pin code on the keyboard. From the side of the dispenser, a characteristic rustle is heard, but for some reason the money is not visible. The person “writes off” this to a malfunction of the ATM, shrugs his shoulders, takes out his card and goes to another ATM. What is the result? The money was really withdrawn from the card and even the ATM gave it out, but in reality they stuck to the double-sided tape stuck in the dispenser by the scammer, who will take the money for you.
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Letters and calls from scammers A typical example of SMS fraud is receiving an SMS message from an alleged bank number about the blocking of funds on your card due to unauthorized access to them, with a recommendation to call the number given in this message. By phone, you will be informed that in order to unlock the money on the card account, you must transfer its details: card number, full name, expiration date and a three-digit secret code on the back of the plastic (CVV / CVC).
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Letters and calls from fraudsters Thus, the unlucky cardholder, in order to save his money, transfers all the important data - he is not given time to think and analyze the situation, which is the calculation of cunning attackers. Moreover, scammers will also ask you to dictate to them the password that came to cellular telephone victims (and this is the same one-time password with which they need to confirm the operation of transferring money from the attacked card). If a person is not blind, then in the incoming SMS he will see a phrase about the inadmissibility of transferring a one-time password to an unauthorized person. But he will read it later, when he realizes that a decent amount was taken from his card account.
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Phishing A very common type of fraud, when, for example, an Internet user is given a pseudo-site of his Internet bank, which is very similar to the original, on which they will try to fish out (catch) his card data by all means. Hence the name of this method of fraud, translated from English. "fishing" is fishing. The main thing is that a person goes to a fake site and believes that he is on the original resource. A link to such fake sites may contain, for example, an email from a scammer, made in a typical banking form (colors, logo, etc.), and the text will stimulate to click on it, scaring possible problems with money on your card accounts. At the same time, the names of such sites are outwardly similar, but still slightly different. Find, for example, the differences between the original name of the site sberbank.ru and the pseudo-site sbepbank.ru. Differences are not so easy to notice to the "inexperienced" eye.
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Last Friday, Albanian hacker Qendrim Dobruna (27) pleaded guilty to a $14 million bank fraud. In particular, he became a participant in an international cyber attack, which led to a hack a large number ATMs.
The hacker was directly arrested in Germany in March of this year, but then he was extradited to the United States, since bank fraud it's a hack on his part American system for the processing of payments based on plastic cards, which ensures the functioning of the Red Cross.
The defendant and his accomplices infiltrated the system and gained access to funds placed on debit cards that were intended for needy groups of the population, such as those affected by natural disasters.
A guilty plea threatens the Albanian hacker with up to 30 years in prison and a $1 million fine.
Petr Alekseevich is an ordinary Kemerovo pensioner. He receives a monthly pension on a personal plastic card. The modest savings of a Kemerovo resident are also stored there. That is why, when he received an SMS message that his card was blocked, he immediately called back to the specified number, trying to save his cash.
The experts who answered him introduced themselves as security personnel. central bank, did not ask the pensioner to name the PIN code, but only offered their help.
"Unemployment in the economy" - Rising unemployment leads to a decrease in living standards. And the female part works in the sphere of services and education. Negative sides unemployment: Purpose: Let's take the example of our village Sennoy. Changes in demographic structure population. Unemployment brings up responsibility and independence. Structural shifts in the economy. Social problems and unemployment.
“What is money” - Presentation on economics on the topic: “Money.
The Department of the Ministry of Internal Affairs once again warns residents of the city of Vladimir about ongoing fraud. Elderly people and gullible citizens continue to become the object of criminal encroachments.
So, on April 5, a 37-year-old resident of the city of Vladimir received an SMS message with a request to transfer funds for unlocking her bank card. The woman transferred 28,935 rubles to the criminal's account.
On April 8, a 47-year-old resident of the city received an SMS message stating that his Visa bank card was blocked, for which the man paid 69,526 rubles to scammers to unlock it.
On April 9, a 33-year-old woman became the victim of such a deception.
The number of cases of fraud in Russian Banking Presentation talks about the methods of fraud carried out using bank cards and how to prevent it. Head Prevention of financial fraud with plastic cards and their forgery Again about fraud with bank cards Prevention financial fraud on the part of employees At the same time, receiving money through banking does not Prevent fraud from debit cards Fraud prevention solutions include analytics out of the box Lack of proper attention to the security of transactions conducted on the Internet can make them vulnerable to criminals.
According to the Investigative Committee of the Investigative Committee of Russia for the Saratov Region, the evidence collected by the investigative department on Balashov was recognized by the court as sufficient for sentencing a 17-year-old student of one of the educational institutions secondary vocational education.
The young man was found guilty of committing crimes under Parts 2 and 3 of Article 159 of the Criminal Code of the Russian Federation (fraud committed on a large scale and causing significant damage to a citizen).
As previously reported, in mid-November last year, the defendant, having deceived a classmate, took possession of his bank card under a fictitious pretext.
Fraud for the purposes of ISA 240, The Auditor's Responsibilities for Dealing with Fraud and Error in an Audit financial reporting” and ISA 240A “Fraud and Error” are understood to be intentional acts committed by one person or group of persons of management, employees economic entity, as well as by third parties, resulting in a distorted presentation of performance indicators in the accounting (financial) statements.
