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Whether it is to pay Rs 10 to the chaiwallah or buy that kurta worth Rs 1,000, most of us whip out our phones, click a link or scan a code, and the job is done. However, the flip side to this ease and convenience is the rise in people cheated through UPI frauds.
In Gujarat alone, 70% of complaints about online financial scams<\/a> in the past year were about UPI payment fraud<\/a>.
Between January 2022 and February 2, 2023, the Gujarat CID (Crime) received 88,000 cybercrime complaints on its 1930 helpline. As many as 78,005 citizens had called to report online financial fraud<\/a>. Of these, 52,575 cases, or 70%, were about UPI fraud.
Among the eight municipal corporations, Ahmedabad city registered 12,581, the maximum number of such complaints. Surat followed with 6,471 complaints, Vadodara with 3,936 cases, and Rajkot with 1,879 cases.
UPI is an instant real-time payment system developed by the National Payments Corporation of India (NPCI), facilitating inter-bank, peer-to-peer, and person-to-merchant transactions.
'OTP needed only to send money'
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Getting someone to disclose confidential financial information is the classic way to carry out UPI fraud. The fraudsters use several methods to con victims. The most used is the SMS phishing scam, followed by fraud via access through screen mirroring apps. Then, there is the classic OTP pin fraud. To commit phishing scams, the fraudsters blast bulk SMSes<\/a> offering lucrative deals. \"Fraudsters can send you unauthorized payment links through SMSes. These fake bank URLs will look identical to the original URL. If you click the link quickly, it will direct you to the UPI app installed on your phone and ask you to click for auto-debit. Once you give permission, the amount will get debited from the UPI app instantly,\" says a CID Crime (cybercell) officer.
The officer adds, \"Clicking on a fake URL can also infect your phone with a virus\/malware designed to steal the financial information stored on the device. Apart from this, fraudsters also conduct scams by posing as bank representatives who will ask you to download a screen mirroring app for 'verification purposes'. This allows them to gain full access to the phone.\"
Many scammers also smooth talk their victims into giving up their pin number, says the officer, adding: \"Victims forget the golden rule that a pin or OTP is needed only to send money and not receive it.\"
In July 2018, TRAI brought a regulation to control the menace of unwanted SMSes from alphabetic short codes, as they appeared genuine to the customers. \"This regulation came into force in March 2019. These days, you will see far fewer phishing messages as TRAI has mandated blockchain-based distributed ledger technology (DLT) across TSPs to weed out shortcodes and standard templates used to send fraudulent bulk SMSes. It is now the responsibility of the TSP to check the content of the templates before approval. Also, marketing firms that seek to send short codes were asked to submit detailed KYCs,\" says Sumit Mishra, director of (DoT) Gujarat. When these rules were implemented, the authorities saw a drastic 40% drop in 4 lakh applications for short codes submitted by firms nationwide.
These days, Mishra reveals, SMSes are sent using 10-digit mobile numbers. \"Our TSPs have begun using Artificial Intelligence to weed out SMSes containing words like KYC or any language used by phishing scammers. Scammers improvise by eliminating space or introducing small errors to escape notice. But these too are being caught by the AI software as it is constantly learning.\"
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在古吉拉特邦UPI-related 70%的在线的金融欺诈
是否支付Rs 10的chaiwallah或购买,无领长袖衬衫价值1000卢比,我们大多数人拿出手机,点击一个链接或扫描代码,工作就完成了。然而,这种简单方便的另一面是人们通过UPI骗子骗了。
是否支付Rs 10的chaiwallah或购买,无领长袖衬衫价值1000卢比,我们大多数人拿出手机,点击一个链接或扫描代码,工作就完成了。然而,这种简单方便的另一面是人们通过UPI骗子骗了。
仅在古吉拉特邦,70%的抱怨网络金融诈骗在过去的一年UPI支付欺诈。
2022年1月至2023年2月2日,古吉拉特邦CID(犯罪)获得88000网络犯罪在其1930热线投诉。多达78005名公民打电话报告网络金融诈骗。其中,52575例,或70%,是关于UPI欺诈。
在八个市政公司,艾哈迈达巴德市注册12581,这样的投诉的最大数量。苏拉特6471宗投诉,与3936例瓦尔道拉,Rajkot 1879例。
UPI瞬间实时支付系统由印度国家支付公司(NPCI),促进银行间,点对点,person-to-merchant事务。
OTP仅仅需要给钱的
让某人披露保密的财务信息的经典方法是开展UPI欺诈。骗子利用几种方法欺诈的受害者。最常用的是短信网络钓鱼诈骗,紧随其后的是欺诈通过访问屏幕镜像的应用。然后,有经典的OTP销欺诈。爆炸批量提交网络钓鱼诈骗,骗子短信提供有利可图的交易。“骗子可以通过短信发送你未经授权的付款链接。这些假银行URL看起来相同原始URL。如果你点击链接很快,它将直接你UPI应用安装在你的手机,请您点击auto-debit。一旦你给许可,将记入借方的UPI立即应用,“CID犯罪(cybercell)官员说。
官员补充说,“点击一个假网址也可以让你的手机感染病毒/恶意软件旨在窃取金融信息存储在设备上。除此之外,骗子也进行诈骗冒充银行代表,他们会问你下载一个屏幕镜像应用验证的目的。这使他们能够充分利用手机。”
很多骗子也顺利说服受害者放弃他们的密码,警察说,并补充道:“受害者忘记销或OTP的黄金法则是只需要寄钱,而不是接受它。”
2018年7月,火车带规定控制意外的威胁短信从字母短码,似乎真正的客户。2019年3月“本条例生效。这些天,你会看到更少的网络钓鱼信息随着火车授权blockchain-based分布式分类技术来剔除(DLT)茶匙短码和标准模板用于发送诈骗短信。现在的责任TSP批准之前检查模板的内容。同时,营销公司寻求发送短码被要求提交详细的什么水平,”主任苏米特Mishra说古吉拉特邦(点)。这些规则实现时,当局看到大幅下降40% 4十万的短码申请提交的公司在全国范围内。
Mishra揭示了这些天来,使用10位数的手机号码发送短信。“我们茶匙已经开始使用人工智能来清除短信包含KYC这样的词或任何语言使用的网络钓鱼欺诈。骗子即兴创作通过消除空间或引入小错误几乎不可避免地被注意到。但这些也被抓的人工智能软件是不断学习。”
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