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WHAT IS PHISHING ? WHAT IS PHISHING ATTACK ?
Many people wonder what is phishing, against which so many warnings come in the media. Phishing attack is the attempt to obtain sensitive information like usernames , passwords , credit card details , bank account details , date of birth etc with malicious intent to defraud the victim by disguising as a reputed trustworthy entity through electronic communication .
Phishing , in simple words is an attempt to get your usernames , passwords etc by unknown persons / criminals with intention to steal your money from your bank accounts and credit cards . Just like offering bites to fishes to catch them , senders of fraudulent e-mails make you part your data with attractive offers using duplicate , but looking similar to , original websites . Instead of e-mails , victims may also be approached through SMS , WhatsApp messages or Facebook postings .
Phishing , in simple words is an attempt to get your usernames , passwords etc by unknown persons / criminals with intention to steal your money from your bank accounts and credit cards . Just like offering bites to fishes to catch them , senders of fraudulent e-mails make you part your data with attractive offers using duplicate , but looking similar to , original websites . Instead of e-mails , victims may also be approached through SMS , WhatsApp messages or Facebook postings .
Latest Phishing Attacks in India
CERT-IN REPORTS A NEW PHISHING ATTACK ON BANKING CUSTOMERS
Dated 12.08.2021 : Indian Computer Emergency Response Team - ( Cert In ) has warned about a new phishing attack aimed about Indian Banking Customers using ngrok platform . The platform is being used for creating phishing websites . The phishing websites are impersonating banking websites of India and collecting sensitive information of the customers like internet banking usernames , passwords . mobile numbers and OTPs .
The modus operandi of the attack is normally as follows :
1 . Customers will receive SMS with embedded phishing links ending with ngrok . io/xxxbank .
2. SMS will have messages like " Your account is being suspended . Please Re KYC verification update . Click here link http:// xxxxx. ngrok.io/xxxbank .
3. Once you click the link , it will take you to their phishing website .
4. Then he generates a OTP sent to your mobile number .
5. Once you enter that OTP in phishing site , attacker will do the transactions on the original website and funds are siphoned off .
Hence be careful before responding to such SMS messages . For further details , you click here
TYPES OF PHISHING
There are various techniques used by criminals to lure you to part with sensitive data . Some of them are :
1. SPEAR PHISHING : The attackers first gather information about their potential victim by using social media or other methods and then send the baits using emails / mobiles / SMS etc . The criminals use the method often as chances of victims believing them and parting the required data is high in this technique .
2. CLONE PHISHING : Attackers send a very similar e-mail already received by you from a genuine / bonafide entity , but with an attachment of malicious content , appearing to be coming from genuine site .
3. LINK MANIPULATION : Misspelled URLs are sent to make the websites look real by altering an alphabet / number of the original website . Manipulated URL will take the victim to a malicious website
4. SMS PHISHING : Instead of e-mails , attackers send SMS messages which take he victim to a malicious website .
5 TELE CALLING : Attackers pose as the tele-callers of a reputed bank or the bank where you have account / credit / debit card and obtain information from you by luring special offers .
1. SPEAR PHISHING : The attackers first gather information about their potential victim by using social media or other methods and then send the baits using emails / mobiles / SMS etc . The criminals use the method often as chances of victims believing them and parting the required data is high in this technique .
2. CLONE PHISHING : Attackers send a very similar e-mail already received by you from a genuine / bonafide entity , but with an attachment of malicious content , appearing to be coming from genuine site .
3. LINK MANIPULATION : Misspelled URLs are sent to make the websites look real by altering an alphabet / number of the original website . Manipulated URL will take the victim to a malicious website
4. SMS PHISHING : Instead of e-mails , attackers send SMS messages which take he victim to a malicious website .
5 TELE CALLING : Attackers pose as the tele-callers of a reputed bank or the bank where you have account / credit / debit card and obtain information from you by luring special offers .
INDIA IS IN TOP 3 COUNTRIES TARGETED FOR PHISHING : REPORT
Dated 30.05.2018 : According to RSA Quarterly Fraud Report Q1-2018 , India is one of the top 3 target countries for phishing and malware attacks noticed in the first quarter of 2018 . The two others countries having more attacks are U.S.A and Canada .
Report also points out that more and more rogue Mobile App originated over the period and now they account for 39 % of the total frauds , followed by mobile browsers with 26 % of share of frauds .
SOME PHISHING EXAMPLES
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HOW TO PREVENT PHISHING ?
FEW TIPS FOR SAFEGUARDING AGAINST PHISHING :
1. Keep informed about phishing techniques . Fraudsters constantly change their modus operandi . Get updated .
2. Think before clicking on links provided in an e-mail received .
3. Be wary of providing sensitive personal information on-line . Check whether website has https:// link on toolbar . Make double sure that the website is genuine . You can get URL from google search directly .
4. Use anti virus software , anti -spyware , malware protection applications and firewalls to protect your computers from malicious attacks .
5. Be wary of pop ups .
6. Never store your username , password , i-pin on your computer .
6. In case of doubt , directly contact service providers / banks and check whether they have sent such e-mails .
7. Check your bank accounts regularly for any unauthorized transaction . Report to the bank immediately on finding out any such transaction .
1. Keep informed about phishing techniques . Fraudsters constantly change their modus operandi . Get updated .
2. Think before clicking on links provided in an e-mail received .
3. Be wary of providing sensitive personal information on-line . Check whether website has https:// link on toolbar . Make double sure that the website is genuine . You can get URL from google search directly .
4. Use anti virus software , anti -spyware , malware protection applications and firewalls to protect your computers from malicious attacks .
5. Be wary of pop ups .
6. Never store your username , password , i-pin on your computer .
6. In case of doubt , directly contact service providers / banks and check whether they have sent such e-mails .
7. Check your bank accounts regularly for any unauthorized transaction . Report to the bank immediately on finding out any such transaction .
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MORE THAN 2000 VIEWS IN ITS FIRST WEEK OF PUBLICATION
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TAX ON RETIREMENT
MORE THAN 2000 VIEWS IN ITS FIRST WEEK OF PUBLICATION
CLICK HERE TO READ
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AAYKAR SETHU , NEW MOBILE APPLICATION FOR ALL YOUR INCOME TAX JOBS