Recently, there has been a lot of crime of breaking into the latest bank account balances. This is usually done by irresponsible people who want to make unilateral profits. The following are some examples of the latest account balance fraud crimes that you should be aware of:
Account hacking mode via OTP and CVV codes
Most of the targets of this fraud mode are old credit card users. The main objective is to obtain an OTP (one time password) code sent via SMS and a CVV number (the last 3 digits of the number on the back of the card) from the credit card holder.
Cardholders must know that the OTP and CVV codes are personal data that cannot be shared with any party, including the bank itself.
Perpetrators will usually claim to be officers or employees of the bank with the following modes:
- Information on cancellation of transactions by perpetrators in large quantities that are suspicious and offer to cancel these transactions. If you want to cancel, then the cardholder must provide the CVV code and OTP code to the perpetrator.
- raffle mode. Card winners will be asked to provide CVV and OTP codes for administrative reasons.
- Promise mode of giving the perpetrator’s card limit increase with the conditions of CVV and OTP codes.
Remember! Never give your CVV and OTP code to anyone.
Read also: Tracking the fraudster’s account
An example of the latest crime account balance break is Phishing Email. Potential victims will receive an incoming email informing them to update their internet banking account (Upgrade Your Account).
Then, potential victims will be directed to a link that leads to a fake page. The fake page has a website address or URL that does not match that of an official bank. So you have to pay attention to it! Don’t be fooled!
On the fake page, potential victims will be asked to fill in various personal data. Remember not to enter any information on this page! Because this data can be used by perpetrators to break into your account.
ATM skimming itself is an act of theft of information either a debit or credit card by copying the information on the card’s magnetic stripe. This strip is located on the back of the card and is where information about the card is stored.
This skimming process is carried out using a skimmer attached to the card slot in the ATM machine. When the card is inserted into the ATM, the skimmer will record the information from the card. Then, the spy camera placed by the perpetrator will record when the card owner enters the PIN.
Perpetrators can directly duplicate the ATM card from the skimmer. Some tips to avoid this skimming are:
- Check the ATM machine that will be used.
- Pay attention to the location of the ATM, choose an ATM located at the bank’s location, guarded by security and supervised by 24-hour CCTV to make it more secure
- Change the PIN periodically to prevent break-ins.
- Cover your hands when entering information regarding the ATM PIN.
- Change your ATM card to a chip-based card to be more secure and protected from skimming mode.
Fraud Mode Using OneClick
Usually this type of transaction fraud is carried out using OneKlik in online or e-commerce stores where the perpetrator pretends to be a buyer and the potential victim is the seller at the store.
The perpetrator pretends to be interested in the goods sold by the potential victim and the perpetrator will make a payment using the OneKlik method.
The perpetrator will ask for the ATM card number and OTP code sent via SMS to the potential victim. The perpetrator will also send a screenshot of the fake OneKlik transaction so that potential victims will believe it more.
Tips to avoid OneKlik’s fraud mode:
- Remember, OneKlik is not a transfer method between accounts.
- Do not share your card number and OTP code with anyone.
- Improve OneKlik’s features by setting a daily transaction limit.
Another recent example of the crime of breaking into account balances is SIM SWAP. BSSN or the National Cyber and Crypto Agency explained that SIM Swap was an act of taking over the victim’s cellphone number as a means to access banking accounts.
As reported by the BSSN Twitter account, the following is the mode of account burglary with this SIM Swap:
- The perpetrator will first collect various personal banking information belonging to the victim.
- After verification, a new/replacement SIM card will be issued.
- The original SIM card that is in the dream of the rightful owner will be deactivated.
- The perpetrator will make the transaction, the OTP code will be sent to the new SIM card.
This mode uses an OTP code and a new SIM card as an access bridge so that the perpetrator can enter the victim’s mobile banking account.
Well, those are some of the modes of fraud and account number break-ins that are widely used. These modes include: Account burglary mode via OTP and CVV codes, Phishing E-Mail, ATM Skimming, Fraud Mode Using OneKlik, SIM SWAP and many more.
You have to be careful of the various types of modes as above. Keep your banking account confidential. Do not give your OTP code and personal information to anyone, including the bank itself.
In addition to the mode of account burglary through account accounts. There are still many other modes of fraud that you should be aware of. Like scams in digital wallets and the like. If you want to confirm the lucky draw, or confirm about other things. So, you can directly come to the relevant bank to get more accurate and reliable information.