Online financial frauds. Part 1

Fraudsters do not need to travel about cities and suburbs to find the next victim: they have universal Internet space for that purpose. As high technologies improve, individuals, who want to get some cents (or even a few dollar banknotes) because of user imprudence, naivety, curiosity and wish to earn “easy” money, become more inventive. As they say, there is no such thing as free lunch… Nevertheless, employer blacklist databases are replenished with new persons daily or even hourly; people regularly complain on general and specialized forums that they have been ripped off and we keep getting cheering or filled with sorrow emails from spammers with hidden calls for aid. Whatever tricks inventive financial con men use, safety of our money depends primarily on us. That’s why we need to know about online offers which we will reject without learning details. Let’s consider the most popular kinds of financial frauds without losing a moment…

1. Financial frauds via electronic payment systems

Virtual payment systems created for users who appreciated convenient and anonymity appeared to be one of optimum tools for cyber fraudsters. Thus, the dark side of anonymity was revealed: by means of all available methods criminals got a chance to steal money of trustful clients by sending it to their own payment accounts. In order to press on user pain spots, they attempt to:

– send spam messages by e-mail and via forums with recourse (the sender tells about some sorrow and asks for aid by transferring money to a certain e-wallet number as he/she knows that not all people are hard-hearted and indifferent)

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– invite for cooperation through fraudulent Internet banks and payment systems (some slipshod Internet bank site appears to be a platform for con men who offer a potential victim to invest money with high interest rates. In the end, you will not find guilty ones but will be left with nothing. As for electronic payment systems, EPS that appreciate their reputation will not play dirty tricks, but arrangers of pseudo payment systems do it with great pleasure. As a rule, their main task is to get your login and password credentials to access the system. After that they follow a standard procedure)

– offer to transfer money to a magic wallet (the legend is easy and efficient: users can receive informative notices at e-mails or via a specialized site that they have detected some vulnerability in the system. So, they (and you) can take an advantage of it to get income by transferring money from one wallet to the other. Let’s suppose that you send $2 and get a doubled sum next day. Surely, the EPS functional is protected and there are no “holes” in the system. All money is sent right to accounts of pseudo employers)

– borrow money on behalf of other users (an advanced user can easily steal your password from mailbox or messanger with the help of some Trojan software and send financial aid requests with payment details to acquaintances and friends. Partial people will surely provide financial support, but not to you…).

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2. Investments online: financial pyramids, MLM and frauds on Forex market

Here we speak about investment projects which are focused on exceptional money gathering and are of not interest for us as real HYIP investors. Still, they can harm financial well-being of novices in no small way by offering 200% profit in one day and by claiming to work in real fields (Forex market, consulting services and others). As our practice shows, it’s reachable interest rates in short and long-term outlooks (from 61% per month/up to 60% per month, etc.) that are accented in working programs. As for worthwhile MLM objects, we deal with them only in frames of the deposit diversification.

3. Cybersquatting/Typosquatting

On a large scale, there is almost nothing illegal in the way squatters (self-willed settlers) work, but the aims of their activities always contain a criminal context. In the case with cybersquatting, fraudsters analyze new products and services on the market to define brands of new products without domain names. Then they quickly register domains of the same name and contact brand owners to make them buy these domain names at bigger costs. If owners refuse them, they can apply blackmailing or earn money on banner ad.

Typosquatting differs from the previous notion in one nuance: it’s the registration of a domain name that sounds a lot like the name of a popular resource/product but is not identical (fraudsters rely on people who do not notice misspelled words, such as randler. ru instead of rambler. ru). Squatters earn money on ad placed on the site, paid redirects to sites and phishing methods.

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4. Phishing

I think many people have happened to face the notion and/or consequences of phishing. The main task of this Internet fraud type is to get confidential user data (username and password in the system). As a rule, con men use website names of banks and payment systems and create virtually identical websites (including the same design and functional). It is made for inattentive users who enter pseudo sites and log in there. Fraudsters send links to “necessary” resources by e-mails so that users can easily find the link to the website’s double. The result is universal – a client literally provides con men with access to his/her accounts and personal cabinet.

To be continued…

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