Customer Care a New Threat?
Introduction
In todays time, we can access any information in seconds and from the comfort of our homes or offices. The internet and its applications have been substantial in creating an ease of access to information, but the biggest question which still remains unanswered is Which information is legit and which one is fake? As netizens, we must be critical of what information we access and how.
Influence of Bad actors
The bad actors are one of the biggest threats to our cyberspace as they make the online world full of fear and activities which directly impact the users financial or emotional status by exploitaing their vulnerabilities and attacking them using social engineering. One such issue is website spoofing. In website spoofing, the bad actors try and create a website similar to the original website of any reputed brand. The similarity is so uncanny that the first time or occasional website users find it very difficult to find the difference between the two websites. This is basically an attempt to access sensitive information, such as personal and financial information, and in some cases, to spread malware into the users system to facilitate other forms of cybercrimes. Such websites will have very lucrative offers or deals, making it easier for people to fall prey to such phoney websites In turn, the bad actors can gain sensitive information right from the users without even calling or messaging them.
The Incident
A Noida based senior citizen couple was aggreved by using their dishwasher, and to get it fixed, they looked for the customer care number on their web browser. The couple came across a customer care number- 1800258821 for IFB, a electronics company. As they dialed the number and got in touch with the fake customer care representative, who, upon hearing the couple’s issue, directed them to a supposedly senior official of the company. The senior official spoke to the lady, despite of the call dropping few times, he was admant on staying in touch with the lady, once he had established the trust factor, he asked the lady to download an app which he potrayed to be an app to register complaints and carry out quick actions. The fake senior offical asked the lady to share her location and also asked her to grant few access permissions to the application along with a four digit OTP which looked harmless. He further asked the kady to make a transaction of Rs 10 as part of the complaint processing fee. Till this moment, the couple was under the impression that their complaimt had been registred and the issue with their dishwasher would be rectified soon.
The couple later at night recieved a message from their bank, informing them that Rs 2.25 lakh had been debited from their joint bank account, the following morning, they saw yet another text message informing them of a debit of Rs 5.99 lakh again from their account. The couple immediatly understood that they had become victims to cyber fraud. The couple immediatly launched a complaint on the cyber fraud helpline 1930 and their respective bank. A FIR has been registerd in the Noida Cyber Cell.
How can senior citizens prevent such frauds?
Senior citizens can be particularly vulnerable to cyber frauds due to their lack of familiarity with technology and potential cognitive decline. Here are some safeguards that can help protect them from cyber frauds:
- Educate seniors on common cyber frauds: It’s important to educate seniors about the most common types of cyber frauds, such as phishing, smishing, vishing, and scams targeting seniors.
- Use strong passwords: Encourage seniors to use strong and unique passwords for their online accounts and to change them regularly.
- Beware of suspicious emails and messages: Teach seniors to be wary of suspicious emails and messages that ask for personal or financial information, even if they appear to be from legitimate sources.
- Verify before clicking: Encourage seniors to verify the legitimacy of links before clicking on them, especially in emails or messages.
- Keep software updated: Ensure seniors keep their software, including antivirus and operating system, up to date.
- Avoid public Wi-Fi: Discourage seniors from using public Wi-Fi for sensitive transactions, such as online banking or shopping.
- Check financial statements: Encourage seniors to regularly check their bank and credit card statements for any suspicious transactions.
- Secure devices: Help seniors secure their devices with antivirus and anti-malware software and ensure that their devices are password protected.
- Use trusted sources: Encourage seniors to use trusted sources when making online purchases or providing personal information online.
- Seek help: Advise seniors to seek help if they suspect they have fallen victim to a cyber fraud. They should contact their bank, credit card company or report the fraud to relevant authorities. Calling 1930 should be the first and primary step.
Conclusion
The cyberspace is new space for people of all generations, the older population is a little more vulnerble in this space as they have not used gadgets or internet for most f theur lives, and now they are dependent upon the devices and application for their convinience, but they still do not understand the technology and its dark side. As netizens, we are responsible for safeguarding the youth and the older population to create a wholesome, safe, secured and sustainable cyberecosystem. Its time to put the youth’s understanding of tech and the life experience of the older poplaution in synergy to create SoPs and best practices for erradicating such cyber frauds from our cyberspace. CyberPeace Foundation has created a CyberPeace Helpline number for victims where they will be given timely assitance for resolving their issues; the victims can reach out the helpline on +91 95700 00066 and thay can also mail their issues on helpline@cyberpeace.net.
Related Blogs
Introduction
Advanced deepfake technology blurs the line between authentic and fake. To ascertain the credibility of the content it has become important to differentiate between genuine and manipulated or curated online content highly shared on social media platforms. AI-generated fake voice clone, videos are proliferating on the Internet and social media. There is the use of sophisticated AI algorithms that help manipulate or generate synthetic multimedia content such as audio, video and images. As a result, it has become increasingly difficult to differentiate between genuine, altered, or fake multimedia content. McAfee Corp., a well-known or popular global leader in online protection, has recently launched an AI-powered deepfake audio detection technology under Project “Mockingbird” intending to safeguard consumers against the surging threat of fabricated or AI-generated audio or voice clones to dupe people for money or unauthorisly obtaining their personal information. McAfee Corp. announced its AI-powered deepfake audio detection technology, known as Project Mockingbird, at the Consumer Electronics Show, 2024.
What is voice cloning?
To create a voice clone of anyone's, audio can be deeplyfaked, too, which closely resembles a real voice but, in actuality, is a fake voice created through deepfake technology.
Emerging Threats: Cybercriminal Exploitation of Artificial Intelligence in Identity Fraud, Voice Cloning, and Hacking Acceleration
AI is used for all kinds of things from smart tech to robotics and gaming. Cybercriminals are misusing artificial intelligence for rather nefarious reasons including voice cloning to commit cyber fraud activities. Artificial intelligence can be used to manipulate the lips of an individual so it looks like they're saying something different, it could also be used for identity fraud to make it possible to impersonate someone for a remote verification for your bank and it also makes traditional hacking more convenient. Cybercriminals have been misusing advanced technologies such as artificial intelligence, which has led to an increase in the speed and volume of cyber attacks, and that's been the theme in recent times.
Technical Analysis
To combat Audio cloning fraudulent activities, McAfee Labs has developed a robust AI model that precisely detects artificially generated audio used in videos or otherwise.
- Context-Based Recognition: Contextual assessment is used by technological devices to examine audio components in the overall setting of an audio. It improves the model's capacity to recognise discrepancies suggestive of artificial intelligence-generated audio by evaluating its surroundings information.
- Conductual Examination: Psychological detection techniques examine linguistic habits and subtleties, concentrating on departures from typical individual behaviour. Examining speech patterns, tempo, and pronunciation enables the model to identify artificially or synthetically produced material.
- Classification Models: Auditory components are categorised by categorisation algorithms for detection according to established traits of human communication. The technology differentiates between real and artificial intelligence-synthesized voices by comparing them against an extensive library of legitimate human speech features.
- Accuracy Outcomes: McAfee Labs' deepfake voice recognition solution, which boasts an impressive ninety per cent success rate, is based on a combined approach incorporating psychological, context-specific, and categorised identification models. Through examining audio components in the larger video context and examining speech characteristics, such as intonation, rhythm, and pronunciation, the system can identify discrepancies that could be signs of artificial intelligence-produced audio. Categorical models make an additional contribution by classifying audio information according to characteristics of known human speech. This all-encompassing strategy is essential for precisely recognising and reducing the risks connected to AI-generated audio data, offering a strong barrier against the growing danger of deepfake situations.
- Application Instances: The technique protects against various harmful programs, such as celebrity voice-cloning fraud and misleading content about important subjects.
Conclusion
It is important to foster ethical and responsible consumption of technology. Awareness of common uses of artificial intelligence is a first step toward broader public engagement with debates about the appropriate role and boundaries for AI. Project Mockingbird by Macafee employs AI-driven deepfake audio detection to safeguard against cyber criminals who are using fabricated AI-generated audio for scams and manipulating the public image of notable figures, protecting consumers from financial and personal information risks.
References:
- https://www.cnbctv18.com/technology/mcafee-deepfake-audio-detection-technology-against-rise-in-ai-generated-misinformation-18740471.htm
- https://www.thehindubusinessline.com/info-tech/mcafee-unveils-advanced-deepfake-audio-detection-technology/article67718951.ece
- https://lifestyle.livemint.com/smart-living/innovation/ces-2024-mcafee-ai-technology-audio-project-mockingbird-111704714835601.html
- https://news.abplive.com/fact-check/audio-deepfakes-adding-to-cacophony-of-online-misinformation-abpp-1654724
Introduction
The Telecom Regulatory Authority of India (TRAI) issued a consultation paper titled “Encouraging Innovative Technologies, Services, Use Cases, and Business Models through Regulatory Sandbox in Digital Communication Sector. The paper presents a draft sandbox structure for live testing of new digital communication products or services in a regulated environment. TRAI seeks comments from stakeholders on several parts of the framework.
What is digital communication?
Digital communication is the use of internet tools such as email, social media messaging, and texting to communicate with other people or a specific audience. Even something as easy as viewing the content on this webpage qualifies as digital communication.
Aim of Paper
- Frameworks are intended to support regulators’ desire for innovation while also ensuring economic resilience and consumer protection. Considering this, the Department of Telecom (DoT) asked TRAI to offer recommendations on a regulatory sandbox framework. TRAI approaches the issue with the goal of encouraging creativity and hastening the adoption of cutting-edge digital communications technologies.
- Artificial intelligence, the Internet of Things, edge computing, and other emerging technologies are revolutionizing how we connect, communicate, and access information, driving the digital communication sector to rapidly expand. To keep up with this dynamic environment, an enabling environment for the development and deployment of novel technologies, services, use cases, and business models is required.
- The regulatory sandbox concept is becoming increasingly popular around the world as a means of encouraging innovation in a range of industries. A regulatory sandbox is a regulated environment in which businesses and innovators can test their concepts, commodities, and services while operating under changing restrictions.
- Regulatory Sandbox will benefit the telecom startup ecosystem by providing access to a real-time network environment and other data, allowing them to evaluate the reliability of new applications before releasing them to the market. Regulatory Sandbox also attempts to stimulate cross-sectoral collaboration for carrying out such testing by engaging the assistance of other ministries and departments in order to give the starting company with a single window for acquiring all clearances.
What is regulatory sandbox?
- A regulatory sandbox is a controlled regulatory environment in which new products or services are tested in real-time.
- It serves as a “safe space” for businesses because authorities may or may not allow certain relaxations for the sole purpose of testing.
- The sandbox enables the regulator, innovators, financial service providers, and clients to perform field testing in order to gather evidence on the benefits and hazards of new financial innovations, while closely monitoring and mitigating their risks.
What are the advantages of having a regulatory sandbox?
- Firstly, regulators obtain first-hand empirical evidence on the benefits and risks of emerging technologies and their implications, allowing them to form an informed opinion on the regulatory changes or new regulations that may be required to support useful innovation while mitigating the associated risks.
- Second, sandbox customers can evaluate the viability of a product without the need for a wider and more expensive roll-out. If the product appears to have a high chance of success, it may be authorized and delivered to a wider market more quickly.
Digital communication sector and Regulatory Sandbox
- Many countries’ regulatory organizations have built sandbox settings for telecom tech innovation.
- These frameworks are intended to encourage regulators’ desire for innovation while also promoting economic resilience and consumer protection.
- In this context, the Department of Telecom (DoT) had asked TRAI to give recommendations on a regulatory sandbox framework.
- Written comments on the drafting framework will be received until July 17, 2023, and counter-comments will be taken until August 1, 2023. The Authority’s goal in the digital communication industry is to foster creativity and expedite the use of emerging technologies such as artificial intelligence (AI), the Internet of Things (IoT), and edge computing. These technologies are changing the way individuals connect, engage, and access information, causing rapid changes in the industry.
Conclusion
According to TRAI, these technologies are changing how individuals connect, engage, and obtain information, resulting in significant changes in the sector.
The regulatory sandbox also wants to stimulate cross-sectoral collaboration for carrying out such testing by engaging the assistance of other ministries and departments in order to give the starting company with a single window for acquiring all clearances. The consultation paper covers some of the worldwide regulatory sandbox frameworks in use in the digital communication industry, as well as some of the frameworks in use inside the country in other sectors.
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Introduction
The scam involving "drugs in parcels' has resurfaced again with a new face. Cybercriminals impersonating and acting as FedEx, Police and various other authorities and in actuality, they are the perpetrators or bad actors behind the renewed "drugs in parcel" scam, which entails pressuring victims into sending money and divulging private information in order to escape fictitious legal repercussions.
Modus operandi
The modus operandi followed in this scam usually begins with a hacker calling someone on their cell phone posing as FedEx. They say that they are the recipients of a package under their name that includes illegal goods like jewellery, narcotics, or other items. The victim would feel afraid and apprehensive by now. Then there will be a video call with someone else who is posing as a police officer. The victim will be asked to keep the matter confidential while it is being investigated by this "fake officer."
After the call, they would get falsified paperwork from the CBI and RBI stating that an arrest warrant had been issued. Once the victim has fallen entirely under their sway, they would claim that the victim's Aadhaar has been used to carry out the unlawful conduct. They then request that the victim submit their bank account information and Aadhaar data for investigation. Subsequently, the hackers request that the victim transfer funds to a bank account for RBI validation. The victims thus submit money to the hackers believing it to be true for clearing their name.
Recent incidence:
In the most recent instance of a "drug-in-parcel" scam, an IT expert in Pune was defrauded of Rs 27.9 lakh by internet con artists acting as members of the Mumbai police's Cyber Crime Cell. The victim filed the First Information Report (FIR) in this matter at the police station. The victim stated that on November 11, 2023, the complainant received a call from a fraudster posing as a Mumbai police Cyber Crime Cell officer. The scammer falsely claimed to have discovered illegal narcotics in a package addressed to the complainant sent from Mumbai to Taiwan, along with an expired passport and an SBI card. To avoid arrest in a fabricated drug case, the fraudster coerced the complainant into providing bank account information under the guise of "verification." The victim, fearing legal consequences, transferred Rs 27,98,776 in ten online transactions to two separate bank accounts as instructed. Upon realizing the deception, the complainant reported the incident to the police, leading to an investigation.
In another such incident, the victim received an online bogus identity card from the scammers who had phoned him on the phone in October 2023. In an attempt to "clear the case" and issue a "no-objection certificate (NOC)," the fraudster persuaded the victim to wire money to a bank account, claiming to have seized narcotics in a shipment shipped from Mumbai to Thailand under his name. Fraudsters threatened to arrest the victim for mailing the narcotics package if money was not provided.
Furthermore, In August 2023, fraudsters acting as police officers and executives of courier companies defrauded a 25-year-old advertising student of Rs 53 lakh. They extorted money from her under the guise of avoiding legal action, which would include arrest, and informed her that narcotics had been discovered in a package she had delivered to Taiwan. According to the police, callers acting as police officers threatened to arrest the girl and forced her to complete up to 34 transactions totalling Rs 53.63 lakh from her and her mother's bank accounts to different bank accounts.
Measures to protect oneself from such scams
Call Verification:
- Be sure to always confirm the legitimacy of unexpected calls, particularly those purporting to be from law enforcement or delivery services. Make use of official contact information obtained from reliable sources to confirm the information presented.
Confidentiality:
- Use caution while disclosing personal information online or over the phone, particularly Aadhaar and bank account information. In general, legitimate authorities don't ask for private information in this way.
Official Documentation:
- Request official documents via the appropriate means. Make sure that any documents—such as arrest warrants or other government documents—are authentic by getting in touch with the relevant authorities.
No Haste in Transactions:
- Proceed with caution when responding hastily to requests for money or quick fixes. Creating a sense of urgency is a common tactic used by scammers to coerce victims into acting quickly.
Knowledge and Awareness:
- Remain up to date on common fraud schemes and frauds. Keep up with the most recent strategies employed by online fraudsters to prevent falling for fresh scam iterations.
Report Suspicious Activity:
- Notify the local police or other appropriate authorities of any suspicious calls or activities. Reports received in a timely manner can help investigations and shield others from falling for the same fraud.
2fA:
- Enable two-factor authentication (2FA) wherever you can to provide online accounts and transactions an additional degree of protection. This may lessen the chance of unwanted access.
Cybersecurity Software:
- To defend against malware, phishing attempts, and other online risks, install and update reputable antivirus and anti-malware software on a regular basis.
Educate Friends and Family:
- Inform friends and family about typical scams and how to avoid falling victim to fraud. A safer online environment can be achieved through increased collective knowledge.
Be skeptical
- Whenever anything looks strange or too good to be true, it most often is. Trust your instincts. Prior to acting, follow your gut and confirm the information.
By taking these precautions and exercising caution, people may lessen their vulnerability to scams and safeguard their money and personal data from online fraudsters.
Conclusion:
Verifying calls, maintaining secrecy, checking official papers, transacting cautiously, and keeping up to date are all examples of protective measures for protecting ourselves from such scams. Using cybersecurity software, turning on two-factor authentication, and reporting suspicious activity are essential in stopping these types of frauds. Raising awareness and working together are essential to making the internet a safer place and resisting the activities of cybercriminals.
References:
- https://indianexpress.com/article/cities/pune/pune-cybercrime-drug-in-parcel-cyber-scam-it-duping-9058298/#:~:text=In%20August%20this%20year%2C%20a,avoiding%20legal%20action%20including%20arrest.
- https://www.the420.in/pune-it-professional-duped-of-rs-27-9-lakh-in-drug-in-parcel-scam/
- https://www.newindianexpress.com/states/tamil-nadu/2023/oct/16/the-return-of-drugs-in-parcel-scam-2624323.html
- https://timesofindia.indiatimes.com/city/hyderabad/2-techies-fall-prey-to-drug-parcel-scam/articleshow/102786234.cms
