MUMBAI: Telcos will need to amp up communication warning customers of SIM<\/a> swap frauds as the roll out of 5G<\/a> services will require some customers to upgrade their SIM cards, which in turn will increase chances of such frauds, experts say. 电信公司需要提高沟通警告SIM交换欺诈的客户推出的5 g服务将需要一些客户升级SIM卡,这反过来会增加这种欺诈的可能性,专家说。 孟买:电信公司将需要amp警告的客户沟通SIM卡交换骗子的推出5克服务将需要一些客户升级他们的SIM卡,这反过来会增加的机会这样的骗子,专家说。
A SIM swap fraud occurs when fraudsters obtain information regarding a customer through fake calls, phishing etc. and use the same to approach the telecom service provider for a new SIM card on the same number.
Once the SIM card is issued, the old SIM in possession of the customer is deactivated, and all new communication to the number is received by the fraudster. This allows the scammer access to information like banking one-time passwords (OTPs), which allow them to steal money from the victim’s account.
This may also happen in case of stolen phones, or when unsuspecting customers click on unknown links, which allow the fraudster to duplicate the SIM remotely, and gain access to OTPs.
The Department of Telecommunications<\/a> (DoT) had in 2016 and 2018 issued detailed procedures and steps for seeking explicit consent of the customers for issuance of new SIM cards in cases of upgradation. Reports suggest that the department is working on further guidelines to streamline and secure the process.
“Telecom companies can further undertake awareness drives to discourage customers from divulging personal and financial information to unverified sources and inform them of the recourse available in case of SIM swap scams,” said Rishi Anand<\/a>, partner, DSK Legal<\/a>.
Currently, all telcos periodically send out messages informing customers to be wary of requests for personal and financial details from unknown numbers\/companies. They also outline the platforms where customers can reach out with SIM swap\/upgradation requests.
Bharti Airtel<\/a>, Vodafone Idea<\/a> and Reliance Jio<\/a> did not respond to queries on the matter sent by ET till press time.
Tanu Banerjee, partner, Khaitan & Co, added that while telcos are supposed to spread awareness around the issue, some of the onus also lies on the consumers to read and apply the warnings issued. “In addition to this, telcos can (internally) categorise SIM swap requests as ‘high risk interactions’ and deploy staff specially trained to handle such requests,” she said.
While prevention of SIM swap fraud is the most ideal situation, in case it does occur, telcos can plead limited liability. Currently, telecom companies appoint grievance officers and customer care representatives to address the customers’ concerns and facilitate reporting of such scams.
If the matter reaches the court, telcos usually pay a fine of up to Rs 50,000 to the authorities who then decide whether and how much of it is given to the victim of the fraud. If the customer further pursues legal action, the telcos defend themselves using safe harbour clauses.
“The telcos usually can defend themselves using the logic that all their communication is encrypted and hence they have no idea what messages the customer had received and acted upon,” said Kaushik Moitra, partner at Bharucha & Partners, who is part of the firm’s telecom, media, and technology practice. “Additionally, they can make the argument that they or their employees were not involved in the actual financial fraud, and hence cannot be held responsible as they are simply an intermediary.”
He added that the instances of SIM swap fraud have been on the decline over the past few years as telecom operators have put forth stringent measures. For example, a number cannot be active on two SIM cards simultaneously and hence the customer can approach the operator to block their SIM if they lose service on their phones.
Other measures like physically verifying the details provided by the customer (for example a visit to the address provided) and asking for a secondary KYC (know your customer) have also been implemented.
However, anticipating the increase in requests for new SIMS as customers adopt 5G services, lawyers warn that carriers will have to up the ante on their security measures. They will especially have to be stringent in case of e-SIMs where there is no physical SIM, and corresponding SIM number to authenticate a request.
Recently, communication services provider Route Mobile revealed plans to introduce mobile identity technology, which will allow it to analyse the life cycle of a SIM card and flag off any deviation in the patterns observed on it. However, its role will be limited to passing on the information of a potential threat to the banks and telcos.
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5克的到来,SIM欺诈的风险
SIM交换欺诈发生在骗子通过伪造调用获取信息关于客户、网络钓鱼等,使用相同的方法电信服务提供者为新的SIM卡在同一个号码。
SIM卡发行后,旧的SIM卡的客户时,和所有的新通信接收数量的诈骗犯。这允许骗子银行等信息获取一次性密码(otp),允许他们偷钱从受害者的账户。
的电信部(点)在2016年和2018年发布了详细的程序和步骤,寻求顾客的明确同意发行新的SIM卡的升级。报告显示,美国正致力于进一步简化流程和安全指导方针。
“电信公司可以进一步进行意识开车去阻止客户泄露的个人和财务信息未经证实的消息,通知他们可用的追索权的SIM交换诈骗,”说圣人阿南德合作伙伴,卡恩的法律。
目前,所有电信公司定期发送消息通知客户警惕要求个人和未知的数字/公司的财务细节。他们也提出了平台,客户可以达到与SIM交换/升级请求。
Bharti Airtel,沃达丰的想法和依赖Jio对此事并未对此事作出回应发送的ET直到截稿时间。
Tanu Banerjee,伙伴,比& Co)补充说,虽然电信公司应该传播意识问题,责任还在于消费者的一些阅读和应用发出的警告。“此外,电信公司(内部)归类SIM交换请求“高风险交互”和部署人员受过专门训练来处理这样的请求,”她说。
而预防SIM交换欺诈是最理想的情况下,如果它发生,电信公司可以为有限责任。目前,电信公司任命不满警察和客户服务代表来解决客户的问题和促进此类诈骗的报告。
如果到达法院,电信公司通常支付的罚款50000卢比到当局然后决定是否多少是欺诈的受害者。如果客户进一步追求法律行动,电信公司使用安全港条款保护自己。
“电信公司通常可以使用逻辑保护自己所有的沟通是加密的,因此他们不知道什么消息客户收到了,见机行事,“Kaushik Moitra说,启动& Partners的合伙人是谁的一部分公司的电信、媒体和技术实践。“此外,他们可以认为他们或他们的员工没有参与实际的金融欺诈,因此不能作为中介他们只是负责。”
他补充说,SIM交换欺诈的实例已经在下降在过去的几年中,电信运营商提出了严格的措施。例如,一个号码不能同时活跃在两个SIM卡,因此客户方法操作符可以阻止他们的SIM如果他们失去了他们的手机服务。
其他措施如物理验证客户所提供的细节(例如访问提供的地址),要求二级KYC(了解你的客户)也已经实现。
然而,预期的增加要求新西姆斯客户采用5 g服务,律师警告说,航空公司将不得不提高赌注的安全措施。他们将尤其需要严格的e-SIMs没有物理模拟,和相应的SIM卡号码进行身份验证请求。
最近,通信服务提供商的路线移动显示计划推出移动标识技术,这将使它的生命周期分析SIM卡和旗帜模式观察到的任何偏差。然而,它的作用将是有限的潜在威胁的信息传递给银行和电信公司。
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MUMBAI: Telcos will need to amp up communication warning customers of SIM<\/a> swap frauds as the roll out of 5G<\/a> services will require some customers to upgrade their SIM cards, which in turn will increase chances of such frauds, experts say.
A SIM swap fraud occurs when fraudsters obtain information regarding a customer through fake calls, phishing etc. and use the same to approach the telecom service provider for a new SIM card on the same number.
Once the SIM card is issued, the old SIM in possession of the customer is deactivated, and all new communication to the number is received by the fraudster. This allows the scammer access to information like banking one-time passwords (OTPs), which allow them to steal money from the victim’s account.
This may also happen in case of stolen phones, or when unsuspecting customers click on unknown links, which allow the fraudster to duplicate the SIM remotely, and gain access to OTPs.
The Department of Telecommunications<\/a> (DoT) had in 2016 and 2018 issued detailed procedures and steps for seeking explicit consent of the customers for issuance of new SIM cards in cases of upgradation. Reports suggest that the department is working on further guidelines to streamline and secure the process.
“Telecom companies can further undertake awareness drives to discourage customers from divulging personal and financial information to unverified sources and inform them of the recourse available in case of SIM swap scams,” said Rishi Anand<\/a>, partner, DSK Legal<\/a>.
Currently, all telcos periodically send out messages informing customers to be wary of requests for personal and financial details from unknown numbers\/companies. They also outline the platforms where customers can reach out with SIM swap\/upgradation requests.
Bharti Airtel<\/a>, Vodafone Idea<\/a> and Reliance Jio<\/a> did not respond to queries on the matter sent by ET till press time.
Tanu Banerjee, partner, Khaitan & Co, added that while telcos are supposed to spread awareness around the issue, some of the onus also lies on the consumers to read and apply the warnings issued. “In addition to this, telcos can (internally) categorise SIM swap requests as ‘high risk interactions’ and deploy staff specially trained to handle such requests,” she said.
While prevention of SIM swap fraud is the most ideal situation, in case it does occur, telcos can plead limited liability. Currently, telecom companies appoint grievance officers and customer care representatives to address the customers’ concerns and facilitate reporting of such scams.
If the matter reaches the court, telcos usually pay a fine of up to Rs 50,000 to the authorities who then decide whether and how much of it is given to the victim of the fraud. If the customer further pursues legal action, the telcos defend themselves using safe harbour clauses.
“The telcos usually can defend themselves using the logic that all their communication is encrypted and hence they have no idea what messages the customer had received and acted upon,” said Kaushik Moitra, partner at Bharucha & Partners, who is part of the firm’s telecom, media, and technology practice. “Additionally, they can make the argument that they or their employees were not involved in the actual financial fraud, and hence cannot be held responsible as they are simply an intermediary.”
He added that the instances of SIM swap fraud have been on the decline over the past few years as telecom operators have put forth stringent measures. For example, a number cannot be active on two SIM cards simultaneously and hence the customer can approach the operator to block their SIM if they lose service on their phones.
Other measures like physically verifying the details provided by the customer (for example a visit to the address provided) and asking for a secondary KYC (know your customer) have also been implemented.
However, anticipating the increase in requests for new SIMS as customers adopt 5G services, lawyers warn that carriers will have to up the ante on their security measures. They will especially have to be stringent in case of e-SIMs where there is no physical SIM, and corresponding SIM number to authenticate a request.
Recently, communication services provider Route Mobile revealed plans to introduce mobile identity technology, which will allow it to analyse the life cycle of a SIM card and flag off any deviation in the patterns observed on it. However, its role will be limited to passing on the information of a potential threat to the banks and telcos.
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