Internet banking and fraud, virus infection system

Digital technologies in our world continue to evolve, and fraud develops with it.

In particular, Internet banking has become one of the most attractive targets for attackers who use various tools to receiving user data.

Internet banking and fraud continues to evolve to this day, and every day more and more cases of illegal receipt of funds from users are recorded.

A little earlier, the fraudsters showed an increased interest in plastic cards, but now they have “switched” to the use of Internet banking, since in this area it is much easier for them to carry out their machinations.

The most popular way to obtain personal data required for authorization in Internet banking is to infect a system with a virus. For this scammers use e-mail, and send spam messages in large quantities.

Internet banking and fraud, virus infection system

Internet banking

Scammers also began to create websites that look like the banks web interface, and actively distribute links to them. I would like to note that recently there has been a tendency to use social networks.

According to software protection specialists, most cases of hacking accounts are caused by users themselves. Not everyone uses the provided software capable of protecting systems.

In addition, many users are gullible and actively follow links, even if they receive a letter from unfamiliar users.

I would like to say separately that many experts advise you not to store logins and passwords in the browser, and if you need to enter them, be sure to use the virtual keyboard.

Internet banking and fraud, virus infection system

Considering the statistics, one has to observe "sad" indicators, because in 2009 the volume of fraud in the field of Internet banking reached 14%. Since 2009, there has been an active display of fraudsters' interest in banking sites and a significant increase in the victims of intruders.

For 2011, it was determined that almost 10% of Internet banking users had at least once complained that funds had been withdrawn from their account.

Today, the overall percentage of users has increased significantly, security level has become much higher than , but, nevertheless, complaints continue to be received and some people no longer trust money management via the Internet.

Internet banking and fraud, virus infection system

Internet banking fraud

The practice of investigating crimes on the Internet is not large among Russian investigators, but it is replenished annually.

If in real bank branches customers are protected not only by thick walls, but also by other means, then they are practically open in the Internet space for fraudsters.

According to statistics, most problems are associated with viruses. They are uploaded to the PCs and smartphones of the victims, which allows attackers to make frauds unhindered.

Malware penetrates in various ways, sometimes even the users themselves download them, under the guise of popular programs.

Hacking is also uncommon due to unsafe data networks. If information is transmitted via an inadequately protected channel, hackers can easily trace it and obtain the necessary logins and passwords.

In 2014, the law “On the National Payment System” was passed, which states that funds that have been written off from clients' accounts due to hacker attacks must be reimbursed by banks.

Banks do not want to lose profit, so they began to actively improve their security systems. Now, almost everywhere, two-level protection is used, so for authorization on sites and operations, not only a login and password is required, but also various codes, including those sent via SMS.

In fact, this is not a sufficiently high level of protection, because hackers need only to crack the personal account of the mobile operator’s client and set up redirection of SMS messages. Thus, they can easily transfer the money of victims to offshore accounts that can not be traced.

Internet banking and fraud, virus infection system

How to protect yourself from fraudsters in Internet banking?

It is much safer to use separate programs than to protect the bank itself. The same antiviruses are more thoughtful, since their creators are focused on a single task.

The topic of online cash flow is now relevant, so the Kaspersky Lab has even developed a special tool "Secure payments". It comes with an antivirus, checks whether you are really logged on to the bank site, the presence of a certificate and threats in the operating system.

It is impossible to fully protect against hacker attacks. Even if you do not use Internet banking, attackers can bypass the protection of the bank itself and gain access to private accounts.

Such cases are not unique, however, it would not be superfluous to adhere to certain rules:

  • minimize the amount of transactions carried out on the Internet (especially when it comes to about large sums);
  • do not trust e-mails and SMS messages from banks. If you receive any information, look for real contact details or just visit a bank branch;
  • monitor the security of your computer, do not install suspicious programs, use reliable antiviruses;
  • never use to log into Internet banking, other people's devices and social networks, they may not be sufficiently protected;
  • when you visit the bank’s website or access it through advertising, pay attention to the address bar, there must be an official domain name;
  • update passwords in person m office on site mobile operator, by e-mail and Internet banking at least once every 3 months;
  • invent complicated logins from arbitrary combinations of keys. Remember that passwords cannot be set in the format of date of birth, first name, last name, and so on;
  • do not store passwords in files on a PC or smartphone, especially in browser memory. If you have already done this, see how to delete saved passwords in the browser;
  • to steal usernames and passwords, hackers record the key history that you press when logging in. Therefore, it is safer to enter data from the virtual keyboard;
  • do not be fooled by the popular wiring and do not tell anyone the password from the card. Even bank employees are not allowed to request this information.

If you still fall for the scammers in the field of Internet banking, immediately inform the bank. According to the law, within 24 hours the bank is obliged to return the money to your account, no matter what operation you performed.

Whatever security measures are invented in the Internet banking, fraud will not disappear. It is much easier to write off money through the Internet, besides, hackers invent more sophisticated methods and viruses. Be careful, then the probability of losing money will be minimal.

You will also be interested in:
- The most high-profile internet crimes
- Security of your computer
- Safe surfing of sites

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