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There are many ways used by Cybercriminals to Cheat People Online:
Cybercriminals may send e-mails from a fake account that can appear to be from a bank or
credit card service provider.
Cybercriminals may also fake their identity and call people pretending to be a bank employee to
obtain a user’s banking details.
Types of Online Transaction Frauds
• Identify Theft: Sometimes, cybercriminals deliberately use someone else’s identity to gain a
financial advantage over someone else. Cybercriminals may also pose as someone else to
obtain credit and other benefits in the other person's name.
• Job Frauds: Cybercriminals portray incorrect details as an employer.
• Banking Frauds: Some cybercriminals fraudulently obtain money from users for investment by
posing as a bank or other financial institution.
Measures to Safeguard Ourselves from Online Fraud
We can safeguard ourselves from online frauds by keeping in mind the following points:
• Regularly update your banking passwords and Pin of the debit/credit cards.
• Be sure to check for the bank's security certificate details.
• Also check for various signs such as green address line, lock sign on the and HTTPS in the
address bar to confirm you are visiting a secure bank website.
• Never share your bank and card details such as online account password, card number, PIN,
OTP, etc. with anyone.
• Always check the website URL starts with HTTPS. The website URL with HTTPS encrypts your
data on the website and protects it from any kind of tampering.
• Avoid making online transactions using a public Wi-Fi or a computer in a cyber cafe.
• Review the monthly statements of your bank account and credit cards to detect any unrecognised
transactions.
• In case the credit/debit cards are stolen or lost, call the bank immediately and block your card/
bank account.
• Never install pirated software on your mobile or computer. It is not only illegal but may also
compromise security of your devices.
Some Rules we must Remember while using Social Media:
• Maintain Authenticity: We must be honest about our identity. Never pretend to be someone
else.
• Always use a disclaimer: While sharing personal views about something, we must make it
clear that these are personal views.
• Never pick fights on the Internet: We must convey our opinions carefully by choosing the right
words.
• Protect your Identity: Never list your full name, parents’ details, home address, or telephone
number online.
• Respect your Audience: Maintain good conduct, even on the Internet. Refrain from using slang,
personal insults or obscene language.
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