| Topic : Online Payment Systems |
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IT/ITES Leads and opportunities
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Activity:
102 views;
last activity : 07 06 2010 20:18:09 +0000
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Use only net-safe cards for online transactions
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Use Secure Portals
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Exercise Caution
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Watch Out For Phishing
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Prevention is better than Cure
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Enable flash and javascript only for trusted sites
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Know Your Rights
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One-time use credit cards (like HDFC's "Netsafe" cards and similar cards from Citibank), generated using information from your real credit-card can prevent card misuse if the card details are stolen. |
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In Addition to what Mr.Tehmul said I would say that follow the below points to prevent an online fraud:
1) Don't open e-mails from senders you
don't know.
2) Never access a website from a link
in an e-mail, especially a website that asks for personal
information.
3) If you have any doubts about the
authenticity of an e-mail, do not respond, call the sender
or type in the web address.
4) Beware of emails sent offering you
a prize or a discount and then asking you to choose a user
id and password.
.
5) Change your password every 60 days.
6) Note that fraudulent e-mails often
include misspellings and poor grammar.
7) Update your anti-virus software frequently.
Common anti-virus software includes McAfee and Norton.
8) Beware of e-mails with a sense of
urgency; attempting to rush you into action. Messages like,
"Update now or we'll close your account..."
9) Do not include personal or sensitive
data in or in response to an e-mail.
For any further tips do contact me.
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If you do not take care to ensure that the site you are visiting for making
an online payment is technically secure, your passwords and credit card details
can be compromised and a duplicate credit card bearing the same data as yours
can be generated. So it becomes imperative to be sure of what you are typing
there on the net.
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I think we should all use secure payment portals like paypal.com or else we could be compromising on our credit details and we could easily fall into a soup
Just for an example- A typing error while entering the website address may lead you to a fraudulent website specifically created to capitalize on such errors — which is why you need to make sure the website address is correct before you initiate a transaction. While making payments online, using secure portals with a trust e-seal and tested payment gateways such as Paypal and CCavenue can keep tricksters at bay,
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There are certain which one can exercise even if he is not a whiz-kid. While
making purchases online, you need to ensure that you are doing business with a
reputable Internet merchant, and study the website’s privacy policy carefully.
A reputable website often has a clearly stated privacy policy at an accessible
place. Your computer browser can tell you if the place where you are about to
send the information is secure. If you cannot determine this, do not put your
payment card information over the Internet
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There are some basic steps which one can follow. You would do well to seek all information about the offer, including contact details of the Internet merchant. Keeping a record of your online shopping, by taking a printout of the transaction details, is important. Also, while using the net banking facility, if the online shopping portal prompts you for username and password, steer clear of it.
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Never respond to ‘phishing’ emails asking for your personal information and passwords.
You need to remember that no bank or financial institution will ask for such sensitive information over email. Installing an anti-virus software application would also go a long way in keeping your computer and, thereby, all your private information secure.
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For a layman, a person who is a casual user of technology (e.g. internet) may not be able to detect a Phishing attack at an instance, hence at most he/she should use following:
For a competent and net savvy user in addition to the above basis detection methods he /she should also adopt following techniques for detection: a. E-mail & Spam Delivery Method:
Crafting of “personalized” or unique e-mail messages and use of fake “Mail From” address and open mail relays for disguising the source of e-mail a. Web Based Delivery Method
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Avoid Javascript and Flash from non-trusted sites. For Firefox, the NoScript extension allows whitelisting trusted sites, and disables javascript on the rest. NoScript is really worth exploring for the kind of attacks it prevents. |
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Know your rights and become a ruler. If you ignore the fine print of your
bank and credit card documents, it deprives you of the knowledge of your
rights. For example, if you see a transaction on your credit card statement
which you haven’t executed, you have the right to raise the issue with the
banks. For this purpose, you need to constantly monitor your statements. With
the advent of bank and card statements, many tend to neglect going through the
documents, unlike earlier, when the good-old habit of updating the pass book
kept them abreast of their account details.
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Cyber awareness is need of hour.Unless you know your basic rights in this age of computers you will be having every likelyhood of being cheated.
The education of i t act should be made compulsory in every foield of education.
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Retaining sales is more difficult than creating one due to the market competition which arises. |
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