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What you should take into account about cyber fraud: 

 

Cyber ​​frauds are those scams that are used through networks to carry out illegal transactions. The criminal uses sophisticated technological tools to remotely access your cyber identity information. 

 

Many times the people who carry out this type of fraud take advantage of the lack of knowledge or the little care that people have when using any cybernetic equipment, such as a tablet, telephone or laptop, becoming an easy target for scammers. 

 

These scams can occur in many ways and at any time, so it is advisable to know the most typical aspects used by these criminals, among the most frequent are: 

 

(i).- Junk mail commonly known as SPAM, is a message sent to several recipients who usually did not request it, with apparently advertising or commercial purposes. 

 

The information contained in said email invites you to visit a page or download a file that is generally a virus that steals information from your device. 

 

(ii).- Smishing In this type of fraud, SMS messages are sent to your mobile phone with the purpose of visiting a fraudulent web page, in order to obtain your banking information, to carry out transactions on your behalf. 

 

(iii).- Phishing In this type of fraud, they pretend to be a Financial Institution, sending a message indicating an error in your bank account, and by entering your financial data, they obtain your confidential information such as: card numbers, passwords, bank account details, passwords, etc. 

 

A variant of this fraud is telephone phishing (vishing), where criminals pretend to be employees of a Financial Institution and inform you that your accounts are registering irregular charges or require some confidential information. 

 

(iv).- Pharming In this modality, you are redirected to a false Internet page through pop-up windows, to steal your information. They usually show similar legends in which they tell you that you were awarded a prize for visiting their page. 

 

(vi).- Electronic Transfers In this case, they pretend to be a company that makes very attractive offers, so when buying they ask you to make a transfer in exchange for said product and when you go to said company you realize that, never there was no such offer or purchase. 

 

(vii).- Malware In this type of fraud, your data is stolen by means of Malware (malignant code/malicious software), which is inserted into your mobile phone when entering the application, the Malware shows a false sale, where Your confidential data is requested, such as financial data, which is sent to scammers so that they can misuse it. 

 

(viii).- Software Download When downloading some software from an unreliable page or for free, it may contain a virus that allows the scammer to take your personal information directly from your computer. 

 

How can you avoid it? 

 

a) Install a good antivirus on your computer or mobile device, use firewall or anti-spyware software to protect your equipment from a malicious virus. 

 

b) Do not "click" or open suspicious links. 

 

c) If you download applications and/or software, do so through official stores and developers. 

 

d) Do not respond to emails that tell you that you have won a prize, trip or raffle. 

 

e) Verify that the site you are browsing has the security protocol "https://" and a closed padlock in the address bar. 

 

f) Never deliver your data by email. 

 

g) Companies and banks will never request your financial data or card numbers by any means, such as by phone or internet, when you are not the one initiating an operation. If you still have doubts, call the CosmoPay hotline numbers and verify the facts. 

 

h) Be wary of online purchases when they ask you to make a deposit to bank accounts other than those indicated above. 

 

i) Take care of your personal passwords, personal identification number (PIN), change them periodically. 

 

Remember that the people who carry out this type of fraud are clever and deceive you with alarmist tactics or urgent requests to worry you and prevent you from thinking about the situation, do not panic and before taking any action, verify the source of origin.