Internet scams are the order of the day. Cybercriminals take advantage of the fear, lack of knowledge and lack of awareness of some people to get their data and thus steal money from their accounts. These scams are quite common and are the order of the day. In today’s article, we give you guidelines and tips to avoid being scammed and more details about vishing, a new type of scam.
At Bizum your security is our priority and we want you to feel at ease. That’s why we review some reasons that make Bizum a secure payment system. And one last request to our bizumers: common sense! It will be very useful to avoid being fooled and avoid unpleasant surprises.
The first thing to clarify, especially for your peace of mind, is that cases of fraud through Bizum are not due to security flaws. In most incidents, fraudsters persuade customers to ask for their bank details. Bizum, as an account-to-account payment method, offers the maximum guarantee of security in accordance with the standards regulated by the European Union and the legislation of our country. In fact, Bizum was born in compliance with both European and Spanish security regulations. PSD2 requires the use of Strong Customer Authentication or SCA. This implies the use of two-factor authentication in banking operations that previously did not require it. This user validation is performed by each bank, according to its own security policies and procedures.
Bizum scams have to do with personal information that users themselves unknowingly provide to criminals. In Bizum we leave you with situations that may make you doubt: – If they are going to make you a Bizum, that is, you are going to be the one who receives the money you do not need to enter your banking credentials. If at that moment you do not have Bizum active, you will receive a message to do so within your bank’s app, which is a secure environment. – Sending requests. You can reject a request to send money from your Bizum within your bank’s app. If you receive one, confirm that it is correct. If you are suspicious and believe you are a victim of a scam, you can reject the money transfer request within your bank’s app. – I do not recognize a payment made by Bizum, what can I do? Check the details of the payment in your bank’s app or in your bank account to confirm that you do not identify it. In this case, immediately contact your bank’s customer service department. They will tell you how to act and, if it is indeed an undue charge, how to claim a refund.
You may be familiar with this fraud. Cybercriminals impersonate Social Security officials and make believe that a deposit will arrive to your account through Bizum. The Office of Internet Security (OSI), under the National Institute of Cybersecurity, has warned of an alleged scam consisting of calls that impersonate the agency to make charges to users through Bizum. A fraudulent call is received from a supposed Social Security official with the excuse of returning an amount of money, for example, for having dependent children or maternity. Sometimes the reason is not detailed. The communication requires the use of Bizum because the cybercriminal sends the user a notification through it. The sender may even appear as TGSS, to give greater credibility. The deception comes when the request that is received is not for a payment, but is a collection request. If the person does not realize it and accepts it, a charge will be made.
Pay attention to these 3 signs of suspicion!
Neither your bank nor Bizum will ask you for your account number.. Si alguien lo hace en su nombre, no accedas.
2. Be suspicious if institutions such as the Social Security, Tax Authorities, Post Office… ask you for personal data. 3. If the requested steps take you to an external link , do not do anything until you confirm that it is a real URL. Any change in your application is done within the banking app environment. Do not hesitate if this is not the case.
The scammers have achieved their goal. Here’s what you should do:
From Bizum we will provide all the necessary information for the investigation of each case. All data in movements are recorded in our system. In Bizum we always collaborate offering all the help that is in our hand to clarify the responsibility of the crime. So, bizumer, now that you know the ways of scamming, you just have to be attentive to any sign that makes you suspicious and, above all, a lot of common sense.
The best way to know how to avoid Internet scams is to be aware of the mostthe most common ones, and what guidelines to follow to avoid scams. guidelines to avoid scams can help us to identify can help us identify them so that we do not fall for their tricks.
Below, we want to share with you some of the most common frauds and the best way to avoid them:
An online scam widely used nowadays consists of sending an SMS to the potential victim, announcing that he/she has won a prize and that he/she must click on a certain link to receive it, generally, this link usually asks for some compromising information such as the bank account number.
In this case, the best way to avoid Internet scams is to pay attention to the “hurry” that the sms tries to convey, and that only seeks that we do not have time to verify the source of the message. When a prize is really won, the entity will never rush the user to claim it, since the prize is already yours and you usually have a fairly long period of time to request it.
In the same way, it is common that these supposed prizes come from sweepstakes in which we have never really participated, so they are already a bit creepy. Whenever you receive a sms or email warning of a supposed prize that you never looked for, do not click on the link (and much less, give your personal data) because it is a scam.
Another of the most common Internet scams is known as “phishing”.phishing“This stratagem consists of duplicating a web page in an almost identical way and sending it to the potential victim. This is usually done by first sending a message via sms or email warning of suspicious activity in your bank account, when entering the forged page, the victim enters his username and password, thinking that he is really entering his bank; however, this data reaches a hacker who will automatically change the username and password to make the new account his own.
This scam can be used to lose accounts of all kinds, and not only monetary ones, but also access to web pages or social network accounts with a large number of followers.
The most important thing is not to access any website that is not the official one, nor to call any telephone number other than the one provided by the corporate website itself. Knowing this stratagem will also help us to know how to avoid fraud in online purchases.
Vishing is a fraud carried out through a telephone call with the aim of obtaining personal or banking data from a person. The Telematic Crimes Group of the Guardia Civil warns of this new variant of scam whose term comes from the union of the terms voice and phishing and combines telephone and Internet. This is how they act:
Another of the most common scams on the network consists of fraudulent pages that only seek to get your account number or to get you to pay for a product that never arrives, because phishing is the most common scam. phishing is also a common fraud in online shopping:
