Securing Digital Banking: RBI Mandates Migration to [.]bank[.]in Domains

Introduction:

Cybercriminals can hack your phone using or exploiting some public charging stations such as at airports, Malls, hotel rooms, etc. When you plug in your phone or laptop devices into a power charger using USB, you may be plugging into a hacker. Juice jacking poses a security threat at public charging stations at airports, shopping malls and other public places that provide free charging stations for mobile, tablet, and laptop devices. 

Cybercriminals can either hack into the public charging spot or download malware or viruses through the USB port into your system. When you plug your phone, laptop, tablet or other such devices for charging at public charging stations, it can download malware to your phone and other such devices, and then hackers can access your personal information or passwords, It is really a problem since hackers can even get access to your bank account for unauthorised transactions by accessing your passwords and personal information. 

Hence it is important to think twice before using public charging spots, as it might lead to serious consequences such as malware, data leak and hacking. Hacking can gain unauthorised access to your personal information by installing malware in your device and they might monitor your device by installing monitor software or spyware to your device. This scam is referred to as juice jacking. 

FBI issued an advisory  warning about using public charging stations:

The Federal Bureau of Investigation (FBI), In May 2023, advised users to avoid using free charging stations in airports, hotels, or shopping centres. The warning comes as threat actors have figured out ways to inject malware into devices attached to publicly installed USB ports.

Updated Security measures:

We all must have seen public charging points such as airports, shopping malls, metro, and other public places that provide charging stations for mobile devices. But it can be a threat to your stored data on your device. During the charging process, your data can be transferred which can ultimately lead to a data breach. Hence utmost care should be taken to protect your information and data. iPhones and other devices have security measures in place, When you plug your phone into a charging power source, a pop-up appears to ask permission to allow or disallow the transfer of Data. There is also a default setting in the phones where data transfer is disabled. In the latest models, when you plug your device into a new port or a computer, a pop-up appears asking whether the device is trusted or not. 

Two major risks involved in the threat of Juice jacking: 

1. Malware installation: – Malware apps can be used by bad actors to clone your phone data to their device, Your personal data is transferred leading to a data breach. Some types of malware include Trojans, adware, spyware, crypto-miners, etc. Once this malware is injected into your device, It is easy for cybercriminals to extort a ransom to restore the information they have unauthorized access to.
2. Data Theft: It is important to give emphasis to the question of whether your data is protected at public charging stations? When we use a USB cable and connect to a public charging station port, cyber-criminals by injecting malware into the charging port system, can inject the malware into your device or your data can be transferred to the bad actors. USB cords can be exploited by cybercriminals to commit malicious activities.

‍

Best practices: 

• Avoid using public charging stations: Using public charging stations is not safe. It is very possible for a cybercriminal to load malware into a charging station with a USB cord. Hence It is advisable not to use public charging spots, try to make sure you charge your phone, and laptop devices in your car, at home or office so it will help you to avoid public charging stations.
• Alternative method of charging: You can carry a power bank along with you to avoid the use of public charging stations.
• Lock your phone: Lock your phone once connected to the charging port. Locking your device once connected to the charging station will prevent it from being able to sync or transfer data.
• Software update: It is important to enable and use your device’s software security measures. Mobile devices have certain technical protections against such vulnerabilities and security threats. 
• Review Settings: Disable your device’s option to automatically transfer data when a charging cable is connected. This is the default on iOS devices. Android users should disable this option in the Settings app. If your device displays a prompt asking you to “trust this computer,” it means you are connected to another device, not simply a power outlet. Deny the permission, as trusting the computer will enable data transfers to and from your device.  So when you plug your device into a USB port and a prompt appears asking permission to "share data" or “trust this computer” or “charge only,” always select “charge only.”

Conclusion:

Cybercriminals or bad actors exploit public charging stations. There have been incidents where malware was planted in the system by the use of a USB cord, During the charging process, the USB cord opens a path into your device that a cybercriminal can exploit, which means the devices can exchange data. That's called juice jacking. Hence avoid using public charging stations, our safety is in our hands and it is significantly important to give priority to best practices and stay protected in the evolving digital landscape. 

References: 

• https://www.cbsnews.com/philadelphia/news/fbi-issue-warning-about-juice-jacking-when-using-free-cell-phone-charging-kiosks/
• https://www.comparitech.com/blog/information-security/juice-jacking/#:~:text=Avoid%20public%20charging%20stations,guaranteed%20success%20with%20this%20method
• https://www.fcc.gov/juice-jacking-tips-to-avoid-it

‍

Introduction

In the digital landscape, there is a rapid advancement of technologies such as generative AI(Artificial Intelligence), deepfake, machine learning, etc. Such technologies offer convenience to users in performing several tasks and are capable of assisting individuals and business entities. Certain regulatory mechanisms are also established for the ethical and reasonable use of such advanced technologies. However, these technologies are easily accessible; hence, cyber-criminals leverage AI tools and technologies for malicious activities or for committing various cyber frauds. By such misuse of advanced technologies, new cyber threats have emerged. 

Deepfake Scams 

Deepfake is an AI-based technology. Deepfake is capable of creating realistic images or videos which in actuality are created by machine algorithms. Deepfake technology, since easily accessible, is misused by fraudsters to commit various cyber crimes or deceive and scam people through fake images or videos that look realistic. By using the Deepfake technology, cybercriminals manipulate audio and video content, which looks very realistic but, in actuality, is fake. 

Voice cloning 

To create a voice clone of anyone's, audio can be deepfaked too, which closely resembles a real one but, in actuality, is a fake voice created through deepfake technology. Recently, in Kerala, a man fell victim to an AI-based video call on WhatsApp. He received a video call from a person claiming to be his former colleague. The scammer, using AI deepfake technology, impersonated the face of his former colleague and asked for financial help of 40,000. 

Uttarakhand Police issues warning admitting the rising trend of AI-based scams

Recently, Uttarakhand police’s Special Task Force (STF) has issued a warning admitting the widespread of AI technology-based scams such as deepfake or voice cloning scams targeting innocent people. Police expressed concern that several incidents have been reported where innocent people are lured by cybercriminals. Cybercriminals exploit advanced technologies and manipulate innocent people to believe that they are talking to their close ones or friends, but in actuality, they are fake voice clones or deepfake video calls. In this way, cybercriminals ask for immediate financial help, which ultimately leads to financial losses for victims of such scams. 

Tamil Nadu Police Issues advisory on deepfake scams

To deceive people, cyber criminals misuse deepfake technologies and target them for financial gain. Recently, Tamilnadu Police Cyberwing have issued an advisory on rising deepfake scams. Fraudsters are creating highly convincing images, videos or voice clones to defraud innocent people and make them victims of financial fraud. The advisory states that you limit the personal data you share you share online and adjust privacy settings. Advisory says to promptly report any suspicious activity or cyber crimes to 1930 or the National Cyber Crime Reporting portal.

Best practices 

1. Pay attention if you notice compromised video quality because deepfake videos often have compromised or poor video quality and unusual blur resolution, which poses a question to its genuineness. Deepfake videos often loop or unusually freeze, which indicates that the video content might be fabricated.

1. Whenever you receive requests for any immediate financial help, act responsively and verify the situation by directly contacting the person on his primary contact number.
2. You need to be vigilant and cautious, since scammers often possess a sense of urgency, leading to giving no time for the victim to think about it and deceiving them by making a quick decision. Scammers pose sudden emergencies and demand financial support on an urgent basis. 
3. Be aware of the recent scams and follow the best practices to stay protected from rising cyber frauds. 
4. Verify the identity of unknown callers.
5. Utilise privacy settings on your social media.
6. Pay attention if you notice any suspicious nature, and avoid sharing voice notes with unknown users because scammers might use them as voice samples and create your voice clone. 
7. If you fall victim to such frauds, one powerful resource available is the National Cyber Crime Reporting Portal (www.cybercrime.gov.in) and the 1930 toll-free helpline number where you can report cyber fraud, including any financial crimes.

‍

Conclusion

AI-powered technologies are leveraged by cybercriminals to commit cyber crimes such as deepfake scams, voice clone scams, etc. Where innocent people are lured by scammers. Hence there is a need for awareness and caution among the people.  We should be vigilant and aware of the growing incidents of AI-based cyber scams. Must follow the best practices to stay protected.

References: 

• https://www.the420.in/ai-voice-cloning-cyber-crime-alert-uttarakhand-police/
• https://www.trendmicro.com/vinfo/us/security/news/cybercrime-and-digital-threats/exploiting-ai-how-cybercriminals-misuse-abuse-ai-and-ml#:~:text=AI%20and%20ML%20Misuses%20and%20Abuses%20in%20the%20Future&text=Through%20the%20use%20of%20AI,and%20business%20processes%20are%20compromised.
• https://www.ndtv.com/india-news/kerala-man-loses-rs-40-000-to-ai-based-deepfake-scam-heres-what-it-is-4217841
• https://news.bharattimes.co.in/t-n-cybercrime-police-issue-advisory-on-deepfake-scams/

‍

Introduction

The Ministry of Electronics and Information Technology ( MeitY) through its Information Security Education & Awareness ( ISEA ) came up with an advisory regarding the growing cases of e-challan fraud. Cybercriminals are exploiting the beliefs of individuals by attracting them into clicking malicious links under the impression of paying traffic fines. Cybercriminals employ sending phishing messages and impersonating official e-challan notifications as a primary method. These messages are crafted in such a way that portrays a sense of urgency, provoking individuals to click on a link for spontaneous payment. For building trust, the messages are deviously created by scammers depicting official communication, which in actuality are fake messages targeting individuals for committing online financial fraud.

Unveiling the E-Challan Scam

Scammers send a text message to your phones that closely resembles e-challan alerts. The text appears from the traffic police, informing the netizens of a traffic violation that requires a fine payment. These messages contain a link and a text message urging the recipient to settle the fine by clicking on the links to make the payment.  Scammers have started trapping innocent individuals through such fake messages. These scammers are creating and sending fake messages that look like traffic challan alert messages. However, it is a completely deceptive and fake message. Such messages contain malicious links to fake website, leading users to visit the fake website and enter their bank account details, or make the payment which ultimately leads to financial loss to victims. Cyber scammers have meticulously copied the format used by the traffic authorities however a close examination can help us spot the trap. The modus operandi of such type of scam is to get the targeted individuals to click on a malicious link for payment of traffic e-challan. Once you click on such malicious payment link to pay for the e-challan the individuals unknowingly will end up paying the cyber criminals instead of the police in a bid to discharge the traffic e-challan.

How to spot a fake E-Challan?

• Verify the Vehicle Number: Make sure that the vehicle number mentioned in the message matches your vehicle’s number. Cross-check this information with your vehicle’s number plate or the smart card ( blue book) issued by the Regional Transport Office ( RTO).
• Verify the E-challan Number: Verify the validity of the e-challan number by logging into the official traffic police website or app. Legitimate e-challans will have a corresponding record that can be cross-checked for authenticity. The challan number can be verified by logging in to the official e-challan website. It is always advisable to Visit the official government website to check if you have actually been fined.
• Inspect the Message Content: Give attention to the language inculcated in the message. Hackers' messages may contain grammatical errors or unusual phrases. For example, cybercriminals might encourage victims to visit the RTO office in person. Trying to build up confidence among the victims. Also, it is important that you do not make such payments in haste. Vehicle owners must check such messages carefully before clicking on any link.

Best Practices to Stay Safe

• Be aware of unbidden messages: Be cautious when you receive unsolicited e- challan notifications. Abstain yourself by clicking on links or downloading attachments from unknown sources. 
• Always stick to legitimate or official websites: The scammers use links which look similar to the official link, and a casual glance can miss the difference. Hence it is strictly advisable to visit the official websites only. Also do note that government websites will always have the domain '.gov.in'.  The official website of Traffic Challan is https://echallan.parivahan.gov.in/ 
• Get it cross-checked through official channels: Always cross-check the authenticity of an e-challan by directly accessing official channels, such as the official traffic police website or application. 
• Connect with the RTO directly: If in doubt, independently connect with the Regional Transport Office ( RTO) using official contact details to verify the authenticity of the e-challan.  It is best not to solely rely on information received from suspicious messages. 
• Software update: Make sure that your device’s security software is up to date to protect against malware and phishing scams.

Conclusion:

Cybercriminals are exploiting the fear of traffic fines to trick individuals into clicking on malicious links and revealing their personal and financial information. These scams can lead to significant financial losses for the victims. To stay safe, it is important to be cautious of unsolicited messages, verify the authenticity of e-challans through official channels, and avoid clicking on links or downloading attachments from unknown sources. Awareness is the first line of defence in the evolving landscape of online threats. 

References:

• https://economictimes.indiatimes.com/news/new-updates/ahmedabad-residents-duped-out-of-lakhs-in-e-challan-scam-cops-arrest-jharkhand-man/articleshow/103528317.cms
• https://economictimes.indiatimes.com/wealth/save/new-traffic-e-challan-fraud-heres-how-to-identify-scam-messages-and-avoid-getting-duped/articleshow/104960817.cms
• https://www.ndtv.com/india-news/explained-the-new-e-challan-scam-how-we-can-escape-it-4342129

‍