Clipping of news on Brazilian Culture, Law and Citizenship
20/06/2014
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Experts teach you how to prevent yourself from scammers attacks that are loose on the internet
The risk of having the card cloned in the internet is higher than in physical stores. Any suspected cases that have reached around 3.6% of the virtual shopping transactions last year, according to a survey of ClearSale, specializing in fraud detection.
"Fraud requires less technology, it is not necessary to copy the physical card. Just get the basic information to clone it, "explains the coordinator of statistical intelligence company, Omar Jarouche.
More North and Northeast are targets for card fraud over the internet
Care to protect yourself in the virtual environment are also different from the face shop. It is suggested that the seller take the card away from the presence of the consumer, for example. But, the internet, the details are more complex and neither requires the password of the card to make illegal purchases.
To the specialist in digital law office Peck Patricia Pinheiro Lawyers, Leandro Bissoli, the user hardly notices the risk that runs in the virtual environment. "Generally it will only identify the damage when you get the invoice of the card."
When this happens, the consumer must immediately contact the card issuer and inform them that does not recognize the expenses on the invoice. It is also recommended registering a police report, according to the lawyer.
"The bank is required by law to reimburse consumers when proven fraud," explains Bissoli. The worst off in these cases, however, is the shopkeeper "If the store allowed the purchase with a stolen card and delivered the product, it is she who will bear the loss of the operation," he adds.
Three experts consulted by iG were the main errors that the Internet concedes, without realizing that potentially increase the chances of having your card cloned in the virtual environment. Check below and prevent yourself:
. 1 Enter the password credit card - No matter if you are on a trusted site or shopping in a known or recommended by friends shop. "The sites never ask for your password card to effect a purchase," recalls Aline Rabelo, coordinator of Investmania. In e-commerce sites usually ask for the card number, expiration date and security code. The password is requested only in cases of physical stores.
. 2 access internet banking on other devices - If you're on a public computer in an Internet cafe, the risk of becoming a victim of a scam is enhanced. The same goes for open wifi connections (wireless Internet), which allow invvasores monitor all your navigation, alerts Bissoli lawyer. "You need to check if the device is up to date anti-virus as well as the security of the operating system" recommends.
. 3 Ignore the most targeted by fraudsters products - According to Omar, the ClearSale, purchases most attacked by fraudsters clone cards which are items with high liquidity. That is easy product being resold. The expert cites the example of a refrigerator and a notebook, that although they have similar prices, the preference is for the latter, due to the ease of moving product forward.
. 4 Failure to verify the security lock - When making a purchase on any website, consumers should pay attention to the small padlock appears in the corner of the screen. It is he who ensures the netizen navigation for a safe environment, according Bissoli. "The lock ensures that the connection to the server is secure and no one can have access to this information on your computer," explains the expert on digital rights.
. 5 Not knowing the credibility of the site - If the shop is small or unknown, caution is redoubled. "You need to check if the company has commercial, telephone and CNPJ address to make sure it is not a ghost address," said Aline, the Investmania. Another recommendation is to consult lists of Procon and complaints and social networking sites to verify the authenticity of the site.
. 6 not inform the bank when you travel to another country - One way to guard against blockages due to the use of the card for international travel is notify the bank or card issuer every time the consumer to go outdoors, recommends Jarouche, the ClearSale . "In some banks it is possible to do this by internet banking."
7 Forget to check the invoice card -. Consumers who never verify the statement of your card can be quite a shock on arrival of the bill, warning Jarouche, the Clearssale. The operators of the cards often provide invoices online, in real time, and some warn the customer by SMS when a purchase was effected. "There are several tools available that serve as a warning," explains Bissoli lawyer.
. 8 Losing the purchase record the Internet - Save the received e-mail from the store with proof of purchase, or to print the voucher is deeds that count in favor of the consumer in the event of fraud in virtual operations, says the coordinator of Investmania. "It is recommended to keep this information up to the receipt of the product."
. 9 Enter sensitive card data by email - "No bank is entitled to claim personal and non-customer data, like password, email," Aline says. Virtual shops ask a minimum of personal data on purchases. They are the card number, holder's name and security code (four digits that appear in the corner of the card).
10. Trust blindly in the URL that appears on the website - One of the ways to mislead consumers to steal your data is to use a URL (a website address) makeup, as Bissoli explains. "The fraudadoes can use techniques to deceive Internet users, overlapping pages in navigating and giving the impression that one is in a site above, when it is on low."
. 11 Buy carelessly in small shops or unknown - If the purchase is made in unfamiliar surroundings of the internet, the alert is to do a search for complaints on sites like Claim Here or Procons. At the time of the transaction with the card, there Bissoli is important to note where the site directs the operation. If a page from the card company - common feature in small sites - or flags as Visa and MasterCard, is a sign that the consumer can buy with confidence.
Source: IG
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This article was translated by an automatic translation system, and was therefore not reviewed by people.