Staying Safe From Scams And Cyber Criminals

Have you ever wondered how cyber criminals can take over your computer?

Cyber criminals and scammers use different techniques to gain unauthorized access to your data and device. The most common method is via fake emails and websites. Many people unknowingly fall victim to such scams. According to online payment processing platform Payza’s Firoz Patel, indictment in cases of online scams and frauds can be difficult. He recommends the best approach is to be proactive in taking steps to avoid becoming victims of scams. Let us take a look at some of the most common methods used by scammers.

Fake Emails And Malware

This is a method used to trick people into providing their personal and bank details. Also referred to as phishing, the technique uses a fake email address that very much looks like a real address to send an email to an unsuspecting user. The email usually asks the user to click on a link or to provide some specific data. Clicking on the link will direct the user to a fake website. If the user enters any information on the fake website, it is captured by the scammer who can then use it for fraudulent purposes.

Sometimes clicking on the link downloads a malware to the user’s computer. The malware can be used to record keystrokes and user actions which is then used to gain unauthorized access. The virus may also be used to send out spam email, attack other computers and also to host fake websites to trap other users.

Ransomware is one of the biggest growing threats in online security. In this case the malware not only gains access to your computer, it blocks you from accessing your data. Cybercriminals then demand money for restoring your access to the device. Sometimes the payment is demanded in bitcoins which are more difficult to trace. Some ransomware might copy your private data and demand money for returning these files.

So what can one do to identify scams and steer clear of them? Here are some general rules of thumb:

  • Always be wary of clicking on links in the email or responding to them when you do not know the sender. Make sure the sender is who he claims to be. You should check for spelling mistakes in the sender’s address.
  • Pay attention to the contents of the email. If the email says you have won a lottery or a prize for which you never signed up then it is highly unlikely that the email is authentic.
  • Always install software only from known and verified sources. Never download anything on your computer without turning the anti virus on. Make sure your antivirus files are always updated. There are always new viruses and trojans coming up and it is very important to keep updating your version of antivirus to protect yourself.
  • Whenever entering your details on a website, check if it uses SSL encryption. You can determine this by the padlock that appear before the url in the browser address bar. The website uses the https protocol. This makes it difficult for hackers to get hold of your data as it is encrypted while being sent over the wire.

The above tips can help you stay safe online. Payza also has an online forum and blog where more information and tips are available to its users and guidelines for keeping your personal and payment related information safe on the internet. You can also contact Payza support via live chat, email or telephone in case you find any suspicious activity on your account. Remember staying alert is the best way to stay safe from cyber criminals.

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