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6 Essential Tips on How to Prevent Online Shopping Fraud

February 13, 2014 Leave a comment

Dear readers and followers, I would first like to wish you a very Happy New Year, good health and great personal and professional accomplishments.
As some of you have already purchased products/services online (and I would like to invite you to share your experience with us) and some others will have at a some point, I am featuring today Israel Defeo as guest blogger on this common topic: Online shopping.

Shopping online is easy. You get what you want in a matter of seconds. Just input your credit card information and voila, that book or jacket or bag is already on its way to you within 24 hours.

This is why more shoppers are switching to e-stores and e-transactions—e-payments, e-banking—are fast becoming the norm. Convenience is the ultimate game-changer. Plenty of online shops, too, offer discounts and freebies like free delivery or free shipping.
However, the rise in e-transactions has also made online fraud possible. To prevent online shopping fraud from happening to you, here are some easy tips you can follow:

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1. Keep your credit details a secret.

Like the famous quote said, “There are things better left unsaid.” That may be true especially if it’s about your credit, debit or other essential information that need to be kept secret.

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2. Use caution when using your devices for online shopping.

Because it’s more convenient to shop online using smartphones, tablets, and other mobile devices with internet access, more consumers prefer to use these gadgets than computers and laptops—which are more secure. Beware of using your handheld devices for transactions that carry your personal and credit card information. In case your device is misplaced or lost, you’re at risk of falling victim to fraudsters and scammers who can extract your private information through the lost device.

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3. Beware of phishing websites.

Have you ever seen items on some websites offered at very low prices? Though it can be tempting to purchase low-priced bargain items, it can also come at great risk to the safety of your credit and personal details.
There are internet criminals who create phishing or fraudulent websites which trick you into signing up and disclosing your private information. Some of these websites duplicate the content and design of legitimate ones to fool shoppers like you into revealing their credit card details. At this point, it may be better for you to let common sense—or your gut feel—rule. If you feel like the price is unbelievable or a deal sounds too good to be true, chances are, it is. Stay away from fishy-looking sites as much as possible to keep from being a victim of identity theft.

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4. Verify if the website is legitimate or not.

Remember, Google is your friend. This search engine can help you find any information you need to get your hands on. Search for the name of the website and see if there’s anything involving “scam” or “fraud” mentioned in blogs, forums or other online sources.

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5. Don’t click hyperlinks from random emails.

You probably received not just one, not just two, but more emails about offers and discounts about a product or service in your email. Be mindful of clicking links attached to those messages because it may redirect you to fraudulent websites or phishing sites. Also beware of attachments you receive from untrusted sources. These may contain viruses and malwares that may not just harm your electronic devices, but can also swipe information from your units.
Sometimes, web mail servers can filter unreliable messages and put these messages in the Spam folder of your email. So make sure this feature is enabled in your settings.

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6. Beware of bogus sellers lurking in social media sites

Social media sites are also used by small-scale entrepreneurs to market their products and promote their services to a wider audience. It has been an advantage to both sellers and buyers because Facebook, Twitter, Instagram and other social media platforms can be used for easy communication, placing orders, and completing transactions because it allows real-time responses.
However, scammers can easily post photos and create bogus accounts about bogus products or services. So be mindful of the sellers you buy from. If they cannot ship or send the product they promised after a transaction, you may have already been scammed. To avoid this fate, make sure to call up the seller before you even buy anything. If you smell or hear something fishy or that makes your antennae quiver in suspicion, go and search for another seller until you find one you can trust.

So be careful whenever you use your credit card. Follow the tips mentioned above to help you make sure your credit card and credit information are both safe—and to keep online fraud from happening to you.

This guest post is written by Israel Defeo. He is the writer and online promoter of the leading financial comparison website in Hong Kong, Money Hero. The online portal presents up-to-date and unbiased information about insurance companies, credit cards, loans, deposit accounts and broadband and mobile plans.

Any questions can be submitted to: dan@e-crimeexpert.com
Additional information can be found at: http://www.e-crimeexppert.com
To find out more about Dan Manolescu, visit his LinkedIn page here.
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Cyberbullying

December 11, 2013 Leave a comment

As the number of volunteer contributors to this blog is significantly increasing, today, E-Crime Expert welcomes Bonnie’s guest post on Cyberbullying. A commanding new infographic from Besteducationdegrees.com is explaining the rate & causes of cyberbullying and is brought to you by Bonnie Moore. She is a freelance writer and blog junkie.

According to Bonnie, Cyberbullying is an online hazard through the use of electronic devices. It include harassing text messages or emails, rumours sent by email or posted on social networking sites, and embarrassing pictures, videos, websites, or fake profiles. It has become more common in society, particularly among young people and most of the young generations are facing cyber harassment.

Below is the Infographic created and shared by Bonnie.

Cyberbullying
Source: Best Education Degrees

To view the original Post click here.

Any questions can be submitted to: dan@e-crimeexpert.com
Additional information can be found at: http://www.e-crimeexppert.com
To find out more about Dan Manolescu, visit his LinkedIn page here.
Hit the “subscribe” button in order to be notified when new videos and Articles are posted on this blog

Infographic-Privacy and Security on Facebook

November 20, 2013 1 comment

Today, E-Crime Expert has Naomi Paton as guest blogger. She is a passionate writer and loves to write articles related to internet, teen & amp; crime. She writes for Best Computer Science Schools.

The majority of today’s populace uses the internet and social media on a regular basis, but at what cost? Although there has been some research conducted representing the negative effects of internet addiction, less is known about how young adults are being affected by misuse of facebook like bulling, reputation damage, burglary etc.

Bellow is the infographic, created by Naomi Paton, which listed the researched data and the do and don’t facts on Facebook.

Facebook Privacy
Source: BestComputerScienceSchools.net

To view the original Post click here.

Any questions can be submitted to: dan@e-crimeexpert.com
Additional information can be found at: http://www.e-crimeexppert.com
To find out more about Dan Manolescu, visit his LinkedIn page here.
Hit the “subscribe” button in order to be notified when new videos and Articles are posted on this blog

Nigerian letter-like on LinkedIn

November 14, 2013 6 comments

Read this quick E-Crime Expert Blog Post to see how now LinkedIn is used for the “Nigerian Letter” classic scam.

This scam is also known as 419 scam, because the number “419” refers to the article of the Nigerian Criminal Code dealing with fraud.

Yesterday, I responded to an invitation to connect with someone on LinkedIn, who appeared to be a Lawyer (and later a liar:).

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Even more, my “new connection” and I appeared to have in common 14 shared connection (this made it even more credible).

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Today, I’ve received a LinkedIn message from that “new connection”, message that seems to be the old, classic, Nigerian-letter scam.

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How it woks:

This scam usually begins with a letter or email purportedly sent to a selected recipient but actually sent to many, making an offer that would result in a large payoff for the victim. The email’s subject line often says something like “From the desk of barrister [X]”, “Your assistance is needed”, and so on. The details vary, but the usual story is that a person, often a government or bank employee, knows of a large amount of unclaimed money or gold which he cannot access directly, usually because he has no right to it. Such people, who may be real but impersonated people or fictitious characters played by the con artist, could include, for example, the wife or son of a deposed African leader or dictator who has amassed a stolen fortune, or a bank employee who knows of a terminally ill wealthy person with no relatives or a wealthy foreigner who deposited money in the bank just before dying in a plane crash (leaving no will or known next of kin), a US soldier who has stumbled upon a hidden cache of gold in Iraq, a business being audited by the government, a disgruntled worker or corrupt government official who has embezzled funds, a refugee, and similar characters. The money could be in the form of gold bullion, gold dust, money in a bank account, blood diamonds, a series of checks or bank drafts, and so forth. The sums involved are usually in the millions of dollars, and the investor is promised a large share, typically ten to forty percent, in return for assisting the fraudster to retrieve or expatriate the money. Although the vast majority of recipients do not respond to these emails, a very small percentage do, enough to make the fraud worthwhile, as many millions of messages can be sent daily.

Advice:

If you receive similar messages or invitations to connect be suspicious and always double check. The ingenious idea is that now scammers are using LinkedIn which is known as a social platform for professionals, which automatically give the scammer more credibility.

If you recently connected with this person PIUS AVENIDA, better delete her from your connections.

Any questions can be submitted to: dan@e-crimeexpert.com
Additional information can be found at: http://www.e-crimeexppert.com
To find out more about Dan Manolescu, visit his LinkedIn page here.
Hit the “subscribe” button in order to be notified when new videos and Articles are posted on this blog

Important security settings on Facebook

October 29, 2013 Leave a comment

Information security is important. Remember that: Without security there is no privacy!Today, E-Crime Expert presents several security measures Facebook has in place for securing your private data and account.

1. Change your password (Frequently)

i. Log on your Facebook Account, go to (click) “Settings” (1)and then click on “Account settings” (2) from the fold down menu(Fig.1).

Fig. 1

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ii. Go to and select the “General Settings” menu on the left and then click on the “Edit” tab from the Password field (on the right side of the page). See Fig.2.

Fig. 2

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iii. Now, you have to follow the three steps bellow:
-type your current password (for security reasons);
-type your new password (check this blog post here on how to have a strong password);
-type your new password again.
Click “Change password” and your password will be changed. (Fig.3).

Fig.3.

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iv. In order to be sure your password is effectively changed on all your devices, select the “Log me out of other devices” box, click on the “Submit” button from the displayed message that appears after you changed your password. That will enable you to sign out from all the devices you are automaticaley logged on. In this way, once you use them again, you will be prompted to type your new password. This is an extra security measure which enables you to protect your information if one of your devices got lost or stollen or when it is shared with other people (Fig. 4).

Fig. 4.

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2. Check your active sessions

i. You can also check from where you logged on your account lately.
Click on the “Security settings” tab (see pictures above for how to get there) on the left and then go to the right-bottom of the page and select “Edit” from the “Active sessions” menu (Fig.5)

Fig.5

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ii. Now, you can check from where you are logged on during the current session (top of the page) and also, you can check bellow from where you were logged on in your previous sessions.
*Note: if you notice that you appeared logged on from countries you never been or you have not been lately or from devices you do not use that means someone else logged on your account without authorization (Fig.6).
**If you notice any unfamiliar devices or locations, click ‘End Activity’ to end the session and automatically log out someone who’s using your account fraudulently.
Change your password immediately as explained under section 1 of this Blog post!

Fig.6

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3. Secure browsing.

i. Go to “Security settings“, as explained above, find the “Login Notifications” menu and click “Edit“. (Fig.7)

Fig.7

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ii. Then you can select either “Email” or “Text message“. Or you can always select both! Click “Save changes“.
This will enable you to be notified via email or text message when your Facebook account is accessed from a device that you do not recognize (Fig.8).

Fig.8

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iii. Furthermore, you could set up a Log in approval used when login into your account from unknown devices.
Go to “Security settings” (see above) and from there to “Login approvals” (bellow to “Login Notifications”). Click “Edit” and then select the box that reads: “Require a security code to access my account from unknown browsers“. Don’t forget to click “Save changes“. Now you are set for receiving notifications or be prompted a code (that will be delivered via your email or text message as a one-time token) before logging into your Facebook account, from unknown devices (Fig.9).
In order to learn what an unknown or unrecognized device means, keep reading this post bellow.

Fig.9

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4. Recognized devices.

You can always set up the devices of your choice when using Facebook.
Go to “Security Settings” (as explained above), click “Edit” on the “Recognized Devices” menu and see which your recognized devices are. Devices will be assigned to your account as recognized when you will first time log on your Facebook account (using a new password) from a certain device (You will be prompted with a message whether you would like to save a certain devices as a recognized device or not). Be careful; do not select as a “Recognized Devices” a computer from school, work, public library or hotel. For this reason and in order to check which are your recognized devices check that menu and see if the devices listed there are the one you trust. If not, you just simply click “Remove” on the right side of a particular device (for example when there is listed a device you used once in a library).
Don’t forget to click “Save changes” as usually (Fig.10).

Fig.10

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5. Trusted friends

i. To get set up, visit your “Security Settings” (as explained above), where you can select three to five friends to be your trusted contacts.
Find “Trusted contacts” and click on “Edit” and then on “Chose trusted contacts“(Fig. 11).

Fig.11

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ii. Type the names of 3-5 of your trusted friends. You can select them one by one.
Don’t forget to click “Confirm” (Fig.12).

To select good trusted contacts:

– Choose people you trust, like friends you’d give a spare key to your house.
– Choose people you can reach without using Facebook, ideally over the phone or in person, since you’ll need to contact them when you can’t log in.
– Choose more people to help you. The more friends you choose, the more people who can help you when you need it.

Fig.12

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iii. As a security measures you’ll be prompted to introduce your account password (even if you are already logged on). Click “Submit” after you are done ( Fig. 13).

Fig. 13

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iv. Immediately after, your trusted friends will appear under “Trusted Contacts“. You can now use them all, remove one or all if not pleased with your choice (Fig.14).

Fig.14

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v. In order to make sure you are the one who made the selection of your trusted friends, Facebook sends you a message (check your mailbox linked to your Facebook account) confirming you added trusted friends (Fig.15).

If you did not do it, then someone most likely hacked into your account. Change your password immediately!

Fig.15

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vi. Using Trusted Contacts

Once you’ve set up your trusted contacts, if you ever have trouble logging in, you’ll have your trusted contacts as an option to help. You just need to call your trusted contacts and let them know you need their help to regain access to your account. Each of them can get a security code for you with instructions on how to help you. Once you get three security codes from your trusted contacts, you can enter them into Facebook to recover your account.

With trusted contacts, there’s no need to worry about remembering the answer to your security question or filling out long web forms to prove who you are. You can recover your account with help from your friends.

***Note: If you have set up your secure browsing, login notifications and chose your recognized devices and you receive an email from Facebook notifying you that someone tried to log on your account on X day from Y location using Z device (and none of those are related to you), then Change your password immediately (as explained under section 1 of this Blog post), because definitely someone tried or succeeded to fraudulently log into your account! (See example in Fig.16).

Fig.16

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Any questions can be submitted to: dan@e-crimeexpert.com
Additional information can be found at: http://www.e-crimeexppert.com
To find out more about Dan Manolescu, visit his LinkedIn page here.
Hit the “subscribe” button in order to be notified when new videos and Articles are posted on this blog

Teaching Kids About Identity Theft

May 13, 2013 5 comments

Today, E-Crime Expert is pleased to introduce Nancy Parker, who is a freelance writer which loves writing articles on opinions and social awareness. Nancy is a frequent contributor for http://www.enannysource.com.

According to Julie Myhre*:

Identity theft occurs when someone gets a hold of someone else’s personal information and poses as that person or uses that information to create their own fake identity. This information can be a full name, social security number or a bank account number“.

For children, identity theft occurs a little differently. Child identity thieves are looking for their victim’s Social Security number. Since children don’t have any credit history, it makes it easier for thieves to use their Social Security number and a false birthday to open credit cards.

Read bellow this interesting interview conducted by Michelle LaRowe:

“Identity theft is a real problem and, sadly, children are not exempt from having their identities stolen. Recently, I connected with Julie Myhre, who covers identity theft for NextAdvisor.com, and here is what she had to say.

eNannySource: How does identity theft happen?

Julie: Identity theft occurs when someone gets a hold of someone else’s personal information and poses as that person or uses that information to create their own fake identity. This information can be a full name, social security number or a bank account number. It’s usually easier for identity thieves to get information about an adult because adults have a lot of personal information about them; however, it is important to also remember that children can be victims of identity theft too. There are a lot of different ways that adults can be hacked; some of these include not having privacy settings on social media, clicking on phishing emails or pop-ups, losing a wallet, throwing away documents that contain personal information, and ATM or credit card skimming, among others.

For children, identity theft occurs a little differently. Child identity thieves are looking for their victim’s Social Security number. Since children don’t have any credit history, it makes it easier for thieves to use their Social Security number and a false birthday to open credit cards. The unfortunate part about this is that people who were victims of child identity theft don’t usually realize it until they are older and trying to apply for a credit card or loan. Thieves usually gather children’s personal information from sports team applications, school documents and any other documents that would have your child’s Social Security number on it.

eNannySource: How is it prevented?

Julie: There are a lot of different steps that you can take to prevent identity theft. One of the major ways to prevent identity theft is to sign up for an identity theft protection service. Most of these services monitor your personal information regularly and alert you if they notice any suspicious or possibly fraudulent activity. A good amount of these services also offer family plans, which will allow you to protect your whole family – including your children – from identity theft.

Some other options to prevent identity theft include shredding all documents that contain yours or your child’s personal information, checking your bank accounts and credit card statements regularly, monitoring your credit report and, lastly, knowing what you and your child post online. A lot of people don’t realize how much information they post about themselves and their family on social media. It’s fine if you want to include some personal information – such as your full name and photo – but make sure that you set your profile to private. Monitor what you and your child post on social media, and check the privacy settings regularly – at least monthly.

eNannySource: What basic things can parents teach children to avoid identity theft?

Julie: Parents should teach their children about identity theft in a similar manner that they teach them about strangers. If you think about it, it’s essentially very similar – someone you don’t know is trying to take something from you. Parents just need to teach their children that their personal information is private and they should not reveal any of it to people they don’t know. Children won’t understand the details of identity theft, so it’s important not to go into too many details. The bottom line is personal information should be kept personal, and it’s important that parents recognize that and teach it to their children.

eNannySource: What age do parents have to start worrying about identity theft?

Julie: Parents should begin to think about ways to protect their child from identity theft as soon as their child has a Social Security number.

eNannySource: Is it worth investing in some type of protection?

Julie: Yes, in most circumstances identity theft protection is worth the investment. The value of identity theft protection isn’t necessarily in the active personal information monitoring, because the reality is that people can do that part themselves. Instead, the value lies in the identity theft recovery that these services offer. In the instance that yours or your child’s identity is stolen while you’re signed up for an identity theft protection service, you are provided with all the information and tools you need to recover yours or your child’s good name. Identity theft protection services represent you when you’re dealing with the banks, credit bureaus and creditors. It lightens the load on the victim’s side and helps alleviate the nightmare of identity theft. The identity theft recovery assistance is a valuable tool to have if yours or your child’s identity is stolen.

eNannySource: What about the Internet? What are the top tips for parents of kids who use the Internet?

Julie: The most important tip that parents need to follow when their children use the Internet is to monitor what your child is doing and posting on the Internet. Have open communication with your child and make them aware that they shouldn’t be putting any personal information on the Internet – even if it’s your home address in a private message to a friend. Check in with your child and make sure these rules are being followed on all platforms, including the computer, cell phone and tablet. Check your child’s privacy settings on their phone and social media once a month to make sure the information they post on the Internet is set to private”.

*Julie Myhre is the Content Manager at NextAdvisor.com. You can review identity theft protection reviews and learn more about identity theft on the site.

To read the original post and find more about Julie, please click here.

This interesting interview nicely connects to one of E-Crime Expert‘s blog post, called: How secure is your Child’s Social Security Number?

If you have any question you could contact: dan@e-crimeexpert.com

Additional information can be found at: www.e-crimeexppert.com

Hit the “subscribe” button in order to be notified when new videos and Articles are posted on this blog.

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