I have a boat for sale. The sea is still one of my big passions, but I simply have too little time to use it. So I decided to let it go. I will buy a bigger one later, when and if I have more time. It’s still winter in Finland and all the small boats are on dry land covered by snow. But spring is approaching and the boating fever is spreading. It’s the right time to publish an ad on the net.
Soon I get a mail from a nice young lady. Let’s call her Mrs. Witney De Villiers, as that is what he or she called herself. (Probably a randomly picked false identity, any similarity to real existing persons is purely coincidental.) She was very keen on buying my boat and we had a nice conversation over a couple of days. I did unfortunately not sell the boat, but I got a nice story to tell instead. I will not bother you with all the details, so here’s a shortened version with all the important parts included.
– Hi, I’m in Mexico and I want to buy your boat. How long have you had it? What’s the final price? (Well, I’m in Finland and this is the point where I became more or less convinced that it is a scam.)
– I have had it for five years.
– OK, the price is fine. I want to buy it. Please take down the ad. What’s your PayPal account info so that I can make a payment? I’ll cover the PayPal charges. (Needless to say, the ad remained up.)
– Good news. I can accept wire-transfer which would be a lot cheaper for you than PayPal. (She can’t accept if this is a traditional PayPal scam.)
– Sorry, but I can’t do wire-transfers now. I only have access to PayPal because bla bla blaa …. (Yes, another scam-indicator.)
– OK, I created a PayPal account. Here’s the account info. But there’s some paperwork we need to handle before we proceed. Please fill in the buyer’s part of this attached contract and mail a scanned copy to me. I also need a picture of your photo ID. (The provided PayPal account info was false.)
– Great! I have made the payment. “Check your mail as there should be a confirmation mail from PayPal. I made an extra payment of 3650 € and I’am sure you noticed that, you’ll have to send the extra amount to the Shipping Company through Western Union right away, so that they can come ahead for the pick up and also you should send your address where they have to come for the pick up and also the necessary Western Union Payment Information.” (All the key elements in this very traditional scam becomes visible at this point. This is where you should realize what’s the name of the game, if you haven’t figured it out already. A faked mail from “PayPal” appears in my spam folder.)
– Hold your horses. We need to do the paperwork first. See my previous mail.
– “I want you to know that I have made an arrangement for you to receive the copy of my ID and my other necessary data for the boat. I want you to know that the courier representative coming over for the pick up has all he said documents in an enclosed confidential envelope with him which he will deliver to you in person.”
– Well, we really need to close the deal and have a legally binding agreement before we can arrange for transportation.
– “I understand your concern and certify that all sales is final. Your show of concern has given me a very good fact that you are indeed an honest seller hence, the reason why I am using this medium to confirm to you that all sales is final and I am satisfied with the present condition of the Boat.. so you can now proceed with the western union and get back to the paypal with the western union scan receipt so they can release all the fund into your account immediately..More so, send me a copy of the western union receipt… i look forward to read from you…” (Contract and passport files attached. Oh gosh what a poorly faked British passport!!!)
– Thanks, but you forgot to sign the contract.
– “Oh sorry, I write my name as the signature.. i hope to receive a copy of western union receipt from you today…” (That “signature” was typed, not handwritten.)
– Just want to let you know that I need the SIGNED contract before 3 PM. Otherwise I will not have time to go to the bank. And I’m traveling tomorrow so I will be unable to handle transactions. (To create urgency is a common scammer tactic. ;) )
– “Have signed on the contract.. i wait to read from you with the western union receipt..” (Printed, handwritten and scanned this time. It’s 4 AM in Mexico when this part of the conversation takes place.)
– WTF!!! The bank refused the transaction. The recipient is on some kind of international blacklist, apparently suspected for criminal activities. (Well, I wasn’t completely honest here.)
– “How about you go there and split up the money in to 2 and send on two transaction.”
– I’m certainly NOT going to send any money to a blacklisted company!
– “here is another shipping company info [another private person in US] I wait your story again” (We enter the threatening phase. A while later a mail appears in my spam folder. “PayPal” will take “LEGALACTION” and hand me over to FBI if I don’t pay in 24 h.)
– What are those clowns at PayPal up to now? They talk about some legal action against me even if I haven’t entered into any legally binding agreement to transfer money. Do you have any clue, or maybe I should contact PayPal directly and ask what they think they are doing? (Let’s see how/if they react. Contacting PayPal would reveal the scam instantly.)
Next I got a long mail pointing out how honest this lady is and how keen she is to do business with nice and honest sellers like me. But she can’t unfortunately do anything about the PayPal actions as the purpose of all that is to protect both the seller and buyer. She points out that even a smaller sum would be enough to release the payment into my PayPal account (ok, we are in the bargaining phase). At this point I decided that this blog post is becoming far too long and chose to not respond at all. She didn’t get back to me either. They probably realized that they are not going to get 3650 € from me and gave up.
As you have noticed, I became wary at a pretty early stage. There were several details in this conversation that made me suspicious. 37 to be more precise:
Sounds hilarious, doesn’t it! The scam is so obvious when presented in this way. And forcing the scammer out of the ready-made script makes the act crack up even more. But the sad fact is that people are lured by these guys daily. A lot of this seems to be done in volume so they must be dealing with a significant number of victims every day. Their way to do business very quickly and easily may seem feasible for smaller bulk items, and may not ring the alarm bells in the same way as when dealing with bigger items. Big or small item, it’s always a good idea to take a critical look at the whole case and look for discrepancies like this. Many of the points listed above are on their own enough to spot the scam. Also make sure that they can’t orchestrate the show on their own. Think about what you need to be able to trust the other part, and be persistent about getting what you want. Reluctance to comply is a pretty strong sign that something is fishy.
The core point for anyone who runs into cases like this is however to understand how the scam works. That’s the key to recognizing it in practice. You are promised money but something must be paid before the transaction can be completed. Sounds familiar? Yes, this is basically the same scenario as in the Nigerian scams. The core of the scam is that the money you are to receive is just a promise, but the money you transfer to someone else is real. The PayPal-based scams may be somewhat more effective as many people trust PayPal. It’s not an official bank, but many people think of it as a bank. You may believe that this trusted party is holding the money and securing the transaction. In reality, all you have got is a faked mail. There is no PayPal transaction and the promised money is just numbers written in the mail.
If you fall for the scam and pay, the scammers will vanish like smoke in thin air. PayPal can’t help you as this has nothing with them to do. The scammers have just misused PayPal’s name. And the payment method used to collect your money is always irreversible and provides no security for the sender.
So to summarize. If you ever consider engaging in a transaction with strangers and where money is relayed through you, you should:
What really strikes me is how poorly this false buyer’s role is created. Some simple Google searches is all it takes to reveal the scam. And many discrepancies would have been so easy to fix. Are these guys really “America’s dumbest criminals”?
Maybe, maybe not. The point is probably that you need to be suspicious before you turn to Google. And once there you will find descriptions of this type of scam no matter how well the scammers have tried to eliminate discrepancies in their story. So once you get suspicious, it’s game over for the scammers anyway. The most profitable tactic for them is maybe to run the scam en masse without caring about the details, and just harvest those who won’t get suspicious until it’s too late. Or maybe they’re just stupid and can’t do any better? (Believing that anyone would fall for that fake passport would indicate the latter.)
Well, the boat is still for sale. Anyone interested?
#SLUSH15 is almost here, and F-Secure’s participating in this year’s event in a big way. There’s going to be a big #smartsecurity announcement about the Internet of Things, as well as a couple of presentations from F-Secure personnel. SLUSH, a well-known exposition for startups in the tech industry, has become a huge international event. Both SLUSH and F-Secure call Helsinki home, so it’s only natural for F-Secure to be an active participant at the annual conference. F-Secure made waves last year after the cybersecurity company hacked the venue’s bathrooms to get people talking about online privacy. Several of the company’s researchers and personnel also put in appearances at last year’s SLUSH, including cyber security expert Mikko Hypponen, and F-Secure’s Executive Vice President, Consumer Security, Samu Konttinen. [youtube https://www.youtube.com/watch?v=u93kdtAUn7g&w=560&h=315] [youtube https://www.youtube.com/watch?v=HB-qBhWV65s&w=560&h=315] And they’re both back this year! This year, Samu will be giving a keynote address on SLUSH’s Silver Stage. His talk is called “Your home, your rules – The internet of what ifs”, and runs from 11:45am to 12:00pm (Helsinki time) on November 11th. Samu’s enthusiasm for topics related to security and online privacy will give people valuable insights into how IoT devices are creating new security challenges, and what people can do to protect themselves. Mikko will be appearing on SLUSH’s Black Stage at 9:25am (Helsinki time) on November 12th, where he’ll deliver a talk called “The Online Arms Race”. Mikko recently did an interview about this same topic for V3.co.uk, so you can check that out if you want a quick preview about Mikko’s thoughts on this matter. You can follow all of F-Secure’s SLUSH news by following @FSecure_Sense, @FSecure_IoT, and @FSecure on Twitter.
Cyber Security Month is ending. We're sure you've already done the basics to avoid a digital catastrophe, as explained by F-Secure Security Advisor Sean Sullivan in a recent News from the Labs post on avoiding malware that can take your files hostage for ransom: Back up your stuff! Uninstall software and/or disable browser plugins that you don’t use. Keep the software that you do use up to date. But there's one last cyber security tip we want to pass on from our Janne who helps businesses avoid the kind of security errors that can cost them huge amounts of time and money. His advice: “Don’t even try to remember your passwords. That system you have so no one can possibly guess your password? The attackers know that one. Get a reputable password safe that you can sync to your phone and only ever use generated passwords.” This is the one cyber security tip you need to tell your boss -- if s/he hasn't told it to you already. You can use F-Secure KEY -- our password manager -- for free on one device. For more insight on how vulnerable your office is to online threats try our free Cyber Security Stress Test. We now return you to the other 11 months of the year when criminals hope you aren't thinking about cyber security. Cheers, Sandra
I have become pretty immune to advertising on the net. The brain develops an algorithm to locate the relevant content and filter out the junk around it. Frankly speaking, ask me about what ads there were on the page I just visited, and I have no clue. And I believe that’s true for many of us. Except that our internal ad-blockers aren’t perfect. The advertising may still affect us unconsciously. This issue has been in the headlines a lot since Apple introduced a simple way to implement ad-blocking on iPhones and iPads. Many took advantage of the opportunity and released new tools, among them the excellent F-Secure ADBLOCKER. And many media providers got upset as this development will no doubt increase the usage of ad blocking, and thus reduce advertising revenues. Some newspapers are already attempting to prevent users with ad-blockers from using their site at all. And some publishers admit that advertising has gone too far and they had it coming. So let’s take a look at the pros and cons of advertising. First the pros. Advertisers pay for your “free” stuff. It makes it possible to get a lot of excellent services and content without paying money. Instead you pay by exposing yourself to ads and letting companies profile you for targeted advertising. Some may actually find ads, especially well targeted ads, useful. They may contain special offers and campaign codes that are of true value to you. Advertising can be entertaining. And then the longer list, the cons. Advertising often disturbs your user experience. You have to locate the beef among glossy blinking ads. And you may even have to dodge pop-ups to actually see your content. Advertising may lure you to make more, often unnecessary, purchases. That’s basically the objective of advertising. Advertising often tries to trick you into opening the advertiser’s site. For example by mimicking a Next- or Download- button in the ad. Advertising may show content that is unsuitable for the viewer. Advertising can be a way to deliver malware. Ads are delivered from separate servers. A compromised ad server may show infected ads on sites with a good reputation. I.e. in places where you don’t expect to run into malware. Advertising will consume bandwidth and make pages load more slowly. This can cost you real money depending on your data plan. Advertising is the main reason to track you. Many companies attempt to profile you as accurately as possible to make targeted advertising more effective. Good targeted advertising may not be evil in itself, but misuse of the collected data is a real threat. It seems likes the cons win hands-down. But there is one argument in favor of advertisement that deserves some more attention. The publishers who take an aggressive approach against ad-blocking typically say that blocking ads is like taking a free ride. You try to benefit from free content without paying the price. And this is an argument that can’t be dismissed just like that. Remember that advertising is the engine for a significant part of the net. Imagine that 100% of the users would use 100% effective ad-blockers. What would our virtual world look like in that case? I don’t know, but it would definitively be a different world. But on the other hand, it’s easy to find sites where advertising definitively has gone overboard. So it is understandable if the advertisers receive little sympathy for their fight against ad-blocking. This is yet another question without any clear and simple answers. So let’s pass it to you, dear readers. What do you think about advertising on the web? [polldaddy poll=9139628] [caption id="attachment_8591" align="aligncenter" width="1024"] Article trying to defend advertising. The beef is there under the ad. ;)[/caption] Safe surfing, Micke Image: iPhone and www.streamingmedia.com screenshots