After putting plastic cards into use,people breathed a sigh of relief. Everyone had hope that the wages will never disappear from their pockets in an unknown direction. If a person does not tell anyone the PIN-code of the card and does not pay for it in places that have a dubious reputation, then the money will not be lost anywhere. It would seem that everything is great. But this is far from the case. Cases of online fraud are very common. And to avoid them, you need to be extremely careful. Today our article is devoted to the following question: "Who are this carders?"
What it is?
Carding is a type of fraud in whichcertain actions are carried out with a plastic card of any person without his consent. Is it developed in Russia? According to the law enforcement agencies, there is practically no cardership and hacking in our country. However, they flourished in the late nineties. Want to know carders - who is it? Fraudsters specializing in withdrawing money from foreign plastic cards. Carding is developed today in western countries, in places where there is a large number of entertainment facilities and resorts. Such actions fall under Article 159 of the Criminal Code of the RF “Fraud”. But usually such cases do not reach the court.
How fraudsters get the details
Details of plastic cards carders minedhacker ways. That is, they hack online stores, payment systems, personal computers, stealing confidential information. To get the necessary information, carders are actively using phishing - a fraud, in which people are misled in various ways and forced to register on fake websites. In other words, users voluntarily transfer confidential information to third parties.
Phishing Details
First, pay with a purchase card orservices in online stores, etc. are not really that safe. Unscrupulous employees who have access to the data that a person drives on the site when buying, can use them. For this, fictitious Internet companies are created. The hapless users once received “happy” news that they had been paid to deliver tons of bananas from South Africa or something like that. In other words, the fictitious company sells "air", and the real ones are taken from the account for its payment.
Such schemes are quite common, soit is safer to pay on the Internet using payment systems than using your card data. And fraudsters are not only in online stores, they can be found in popular social networks. For example, some time ago, the service "Fotostrana", which belongs to people from one post-Soviet republic, fell into the rank of potentially dangerous. There are a large number of cases when users of this social network bought the internal currency of the service or paid for some services with a plastic card, and after some time money was withdrawn from the account without their knowledge. The money went to pay for bonuses in games or to buy any views, impressions and other services provided by this social network.
Fake sites
The most common version of phishing - fakesites. Suppose certain craftsmen create a website that is very similar to an online store where people pay with their cards. At one point, a letter arrives at the user in which the “administration” of a store or other service asks to follow the link and perform some manipulations. This is necessary in order to confirm the security settings, or some other plausible excuse is used.
The user follows the link, gets ona page that is very similar in design to the site he was used to, where he used to buy something. Then he enters his personal data there. Now fraudsters can make online purchases using a user card. It is useless to file a statement about fraud: it is almost impossible to find someone who turns out such schemes. To protect yourself can be quite simple. Do not follow dubious links. A serious organization never sends such emails to its users. In addition, you should regularly update your browser. All popular browsers are high-quality anti-phishing programs that are regularly improved.
Vishing
Это еще один из способов украсть деньги со счета.The scheme is quite simple. A stranger calls the customer of the bank and presents himself as an employee. Next, the client is invited to enter personal data in the tone mode of the phone, allegedly to restore the system after the “failure”. The gullible person instantly puts out his card numbers and PIN codes. In this case, emphasis is placed on the fact that this should be done as quickly as possible. Fraudsters do not give time for reflection. It makes people forget about security and do what they ask, because money is at stake. After a person discloses his data, the polite "bank employee" says goodbye. And during a certain time, as a rule, small, the funds from the card disappear. This also falls under article 159 of the Criminal Code of the RF “Fraud”. But to a deceived person, this is of little help. Submitting a fraud report to the police is useless. Finding a swindler is almost impossible.
Skimming
This is a type of carding.A skimmer is a device with which you can intercept the necessary information from magnetic tapes on plastic cards. Officially, these devices appeared in 2002 in Europe. Perhaps they were created much earlier, but until this year there was no information on skimmers.
This device consists of two parts.The first is a fake receiver that accepts bank cards. It is attached to an ATM. It is used to read information from the cards. If a person has long been using the services of a certain ATM, then it will be easy for him to detect the fake that has appeared. But for people who approached him for the first time, it is difficult to do. Therefore, this method is popular in places where large masses of people move.
Как уберечь себя от такого рода мошенничества?It is necessary to carefully examine the terminal for bank cards. After the card is inserted into the card reader, an ATM photo appears on the panel. It is necessary to compare this picture with an ATM, if differences are found, then it is wiser to refrain from conducting operations.
The second part of the skimmer is a fake keyboard.It is needed to obtain information about the PIN code. A microchip is built into the keyboard, thanks to which SMS messages are sent to the scammers' phone. Determining a fake is not so difficult. Such a keyboard will stand out on the plane of the ATM. When a person enters his PIN code there, he is immediately sent to fraudsters via SMS.
What do carders with the received information
После того как нужные сведения поступают к fraudsters, they write the information received on another plastic card. Usually it does not have any logos and appearance in general. Such cards are called "white plastic." With their help, attackers withdraw money at any ATM. In rare cases, full-fledged fake existing bank cards are made, which are used to pay for goods in stores. This is one of the schemes used by scammers. Plastic cards of this kind are usually used once, then they are thrown away.
Which countries are popular with carders
Carders attract highly developed countries withadvanced computer technology. It is easier to gather the necessary information on the Internet and design the necessary devices. Equally important is the democratic structure of the country where human rights are actively promoted. If the carder is caught by the police, it will be easier for him to get away from punishment or get rid of the minimum. In the third world countries it is quite difficult to deal with carding.
First, there are problematic with computertechnology, and sometimes it's hard to find good internet. Secondly, in such a country, if a carder is caught, then the punishment will be severe. For this reason, fraudsters prefer Western Europe and North America. The most dangerous settlements with popular resorts and the presence of numerous places of entertainment.
Safety precautions
Ответ на вопрос о том, кардеры – кто это, мы уже we know But how to save your money and not become a victim of fraudsters? Let's start with the fact that the same skimming is slowly beginning to become a thing of the past. Banks try to take care of their customers and regularly upgrade and update equipment. ATMs with built-in skimmer protection are now popular. It works as follows. A plastic card is accepted by an ATM, and then the device partially pushes it out. Then it is accepted by the ATM completely. Such a sequence disrupts the work of the skimmers, and they cannot fully read the data.
It is recommended to use ATMs thatlocated directly next to the bank. It is desirable that there are many surveillance cameras around. As mentioned above, you should carefully examine the ATM outside. If something seemed suspicious, then it is wiser to go elsewhere. The safest time to withdraw money is from 9 am to 11 pm. It is usually in this interval that ATMs are checked by police officers and employees.
Internet security
So carders - who is it?Fraudsters whose goal is to withdraw money from people’s plastic cards using any available means. With regard to security on the Internet, you should carefully store your personal data. Never send them to anyone or email them. You should also refrain from entering personal data on questionable sites. A serious organization or payment system will never ask a user to send or place passwords or PIN codes anywhere in clear text.
