It’s Friday afternoon and you are looking forward to an effortless evening of movies and take-aways. You drop in at the closest pizza place on your way home. In your rush to silence your growling stomach, you forgot to draw cash. The closest ATM is 5 kilometres away, but at least you have a credit card.

Paying is no problem and the transaction is safe. You can see the card machine the shop assistant uses and you discreetly type in your PIN number. Besides, card cloning only takes place when someone takes your card out of sight. So they say.

But did you notice that the machine swallowed a little bit more of your card than other times. Usually you can still fit your thumb on the card while you complete the transaction, but now it’s hardly visible.

Coincidence. Actually no. Your card was just skimmed.

Last year R450 million was lost to credit card scams, 23% more than in 2013. The increase was particularly sharp at take-away outlets. But even handheld devices in restaurants can be tampered with. Between 2005 and 2015 1377 compromised devices were confiscated.

Card cloning is just one form of credit card fraud. When you use your card on the internet, whether it’s for banking or online shopping, there’s always some risk involved.

According to Kaspersky Lab, one of the leaders in internet security, 5000 websites are compromised daily. Malware and phishing through e-mails are still one of the biggest problems at Stellenbosch University.

How do you avoid becoming a victim?

Keep an eye on your card at all times.

• Place your credit card in the machine yourself so you can feel if it goes in easily. With a chip card, you should still be able to comfortably fit your thumb on the card, even when it’s in the machine.
• Never send your banking details with e-mail.
• Also never click on a link asking these details – even if it looks like you bank’s branding.
• Install spam blocking software to eliminate phishing e-mails.
• Ensure that your antivirus software is up to date and regularly updated.
• When you purchase online with your credit card, only use official, safe websites. Even then, see if the address starts with “https:”, otherwise it’s not secure.
• Don’t use public wi-fi for any personal transactions or purchases. (read more here)

[SOURCE: www.mybroadband.co.za]

 

Dis Vrydagmiddag en jy sien uit na `n rustige aand van fliek en wegneemetes. Jy stop gou by die naaste pizzaplek. In die haas om jou grommende maag stil te kry en by jou fliek uit te kom, vergeet jy om geld te trek. Die naaste OTM is 5 km weg, maar gelukkig het jy `n kredietkaart.

Jy betaal moeiteloos en die transaksie is veilig. Jy sien die kredietkaartmasjien waar die winkelassistent jou kaart insit en jy tik diskreet jou PIN -nommer in. Kaartkloning kom tog net voor wanneer `n kredietkaart onder jou oë uitglip, sê hulle.

Maar het jy opgelet dat die masjien jou kaart `n klein bietjie dieper ingesluk het as voorheen? Normaalweg kan jy jou duim op die kaart hou terwyl jy die transaksie voltooi, maar dié keer het dit feitlik heeltemal verdwyn.

Toevallig? Eintlik nie. Jou kaart was sopas in `n “skimming” toestel. 

Verlede jaar het kredietkaartbedrog R450 miljoen in Suid-Afrika beloop, 23% meer as in 2013. Die toename was veral skerp by wegneemwinkels. Selfs handtoestelle in restaurante kan mee gepeuter word. Tussen 2005 en 2014 is daar beslag gelê op 1377 blootgestelde handtoestelle.

Die kloning van kaarte is een metode van kredietkaartbedrog. Wanneer jy jou kredietkaart op die internet gebruik, of dit vir aankope of banksake is, daar is ook `n risiko by betrokke.  

Volgens Kaspersky Lab, een van die leiers in internetsekuriteit, word daar daagliks 5000 webwerwe geaffekteer. Malware en phishing deur middel van e-posse is ook steeds van die grootste sondebokke.

Hoe keer jy dat jy ook in die slaggat trap?

• Moenie dat jou kaart onder jou oë uit gaan nie. 
• Sit jou kaart self in die masjien sodat jy kan voel of dit maklik ingly. Wanneer jy jou kaart (met `n skyfie) insit, behoort jy steeds gemaklik jou duim op jou kaart te kan hou. 
• Moet nooit bank-inligting per e-pos verskaf of aanstuur nie.  
• Moet ook nooit op `n skakel kliek waar hierdie inligting van jou gevra word nie – selfs al lyk dit asof dit vanaf jou bank kom.
• Sorg dat jou anti-virus sagteware op datum is en gereeld opdateer word.
• Installeer sagteware wat gemorspos blokkeer. Dit sal help om phishing e-posse minder te maak.
• Wanneer jy aanlyn aankope maak met jou kredietkaart, gebruik slegs veilige, bekende webwerwe. Kyk selfs dan dat die adres begin met “https”, anders is dit nie sekuur nie.
• Moenie publieke wi-fi gebruik vir persoonlike transaksies of aankope nie. (meer daaroor hier) 

[BRON: www.mybroadband.co.za]

 

 

 

Tags: phishing

This entry was posted on Friday, October 23rd, 2015 at 12:00 pm and is filed under Security. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.