I love online shopping, and I have the shoes to prove it.
In addition to my shopping habit, I also travel abroad frequently and use my credit card for business. So protecting my credentials is crucial. I secure my PC, stick to reputable retailers and monitor my credit card account. And this generally has kept me safe, until just recently…
Just after Easter, I got the alert on my Outlook calendar that reminds me to review my credit card accounts—both for fraud and my own personal overspending. I checked my account and found that my card was used to purchase about €700 worth of goods in the Manchester, England. Here’s the problem: I haven’t been in the United Kingdom for more than a year and a half.
Immediately I called my bank. A representative connected me to a special fraud line. I identified all the suspicious charges and received a letter in which I had to verify under oath that I had not made these charges. In two weeks, all of the fraudulent charges were off my account. Nice.
However, the mystery lingers. How was my card compromised?
This is where I should mention that in addition to being an avid shoe buyer, I am also a gamer. I’ve been a member of the Sony PlayStation Network for a while. You probably know that PSN was hacked right before Easter time affecting up to 100 million people. However, I don’t believe I was one of those people as I wasn’t contacted by Sony.
I can’t think of the number of times I’ve handed my card to a waiter or salesperson for them to charge me—in addition to all of online stores and services that have had access to my credentials.
So here’s what I’ve decided to do to make sure I’m not a victim again: I’ve set my Outlook alert to remind me to check my account weekly instead of twice a month. I no longer let online retailers store my account information—and I’m looking into getting an extra online shopping credit card with a very low limit. When I’m abroad, I will be very selective where I use my card and cash will be king – again.
One unexpected consequence of this little drama is that my bank is now closely monitoring my account. Twice they’ve called me about suspicious purchases and both times I’ve had to say, “Yes, Big Brother. I did pay that much for those shoes.”
Have you ever had a similar experience? Do you have any hints that might help me figure out where I went wrong?
Two of the top five sites on the internet are search engines, which makes a lot sense. We depend on them to find everything from the news to toothpaste to a place to eat dinner. According to internetlivestats.com, Google processes over 3.5 billion searches worldwide every day. Its rival Bing is rising to become the second largest search engine, accounting for 33% of all search queries performed. Now here’s the interesting part. Given these billions and billions of queries, can you be sure that all these search results 'harmless'? When you are clicking on a link Google, Bing or Yahoo! gives you, how do you know you are about to visit a site that is safe? You can't That's why you take simple precautions to make sure you don’t unintentionally visit malicious sites. The most convenient way to stay safe while using search engines is by using a free website safety rating service, such as F-Secure Search. F-Secure Search pre-screens the search results returned by a search engine and gives each result a safety rating. Harmful sites that try to violate your privacy or harm your device are clearly marked, so you know which sites are safe and which to avoid, even before you click on a link! Adult content is automatically blocked from search results, so you have peace of mind when your children are using F-Secure Search. Also, all communication between you and F-Secure is encrypted, so there’s no room for snooping. To help you keep both your personal details and your PC protected from malicious sites, simply go to search.f-secure.com and start using it today. You can also use F-Secure Search as the default search engine in your browser. And while we're you're thinking about surfing safely, take a minute to make sure your browsers are up-to-date. With a safe browser and safe results, you'll be surfing safer than ever.
It's as predictable as the Christmas decorations starting to appear right after Halloween. The FBI is reminding shoppers to "beware of cyber criminals and their aggressive and creative ways to steal money and personal information." Cyber criminals are certainly "aggressive and creative" all year long, but this warning isn't so much about their activities. It's about yours. During the holiday season, we tend to be stressed, rushed and -- hopefully -- a bit giddy. Given that we're moving quickly as we attempt to be as generous as we can be with those we love, we often let our guard down and make foolish mistakes. The FBI offers 8 tips to assist you in your effort to keep crooks out of your Christmas stockings. But with all the lists we're trying to keep in our head, trying to remember another one that long could distract you. Focus is key. So we've boiled down all of their instructions into one tip then added two of our own that will make staying safe and private simple. Shop deliberately. Given that nearly every retailer you've every done business will attempt to contact you before December 25 with a "special offer," your inbox is likely to be flooded. It's also the place where you're most likely to be scammed. You can avoid most attempts at fraud by shopping deliberately.Think of it like going to a mall. You pick the stores you go into. You don't let some stranger pop up and drag you into a dark corner without yelling for help.To shop deliberately online, avoid all unsolicited emails. Don't click on links in them. Don't fill out forms in them and definitely don't download attachments to them. Send them to spam so you won't see them again.Stick to retailers you trust. Go directly to their sites whenever possible use their search tools to shop. If you click on their emails, make sure the URL you end up in is for their official site and it begins with an "https" and displays a lock that signifies secure transfer of your data.If a deal ever seems to good to be true or demands immediate purchase, take a breath. If you still want it, contact the retailer directly, via the phone ideally.Stick to one credit card for your online purchases if possible and check your statement periodically to make sure all of the charges are yours.. Shop safely. Even if you're focused and deliberate, you're only as secure as the device you use to shop. Make sure all of your system and security software, especially your browser and plug-ins are updated. Use a unique strong password for each account you create. And if you're smart, you won't try to remember them. Leave that to a password manager like F-Secure KEY instead. Shop privately. If you're shopping in public, make sure no one is looking over your shoulder and NEVER, EVER do any sort of shopping over public Wi-Fi, unless you're running a VPN like our Freedome. Freedome also makes you more secure by blocking bad sites and keeps you focused by blocking trackers that lead to annoying targeted ads. With a sharp mind, a clean machine and a private connection, you'll increase your chances of disappointing online criminals -- no matter how aggressive or creative they are. Plus, If you don’t want to see ads for the gift’s you’ve already purchased, F-Secure Freedome prevents those annoying targeted ads by blocking trackers that spy on your surfing. Jason
We all know that there are scammers on the net, actually a lot of them. The common forms of scams are already well known, Nigerian letters and advance payment scams for example. But scammers do develop their methods to fool more people. I recently saw a warning about an interesting variant where the scammers ask for advance payments for travel services. This warning involved booking.com so you should be extra careful if you have used them recently. But the advices I share here are generic and not specific to booking.com anyway. The warning I refer to is in Swedish but I’ll provide the main points here in English. Here’s what happened according to the story. Someone books a trip on-line. Booking information leaks out to scammers somehow. This could be because of a hacking incident at booking.com, a crooked employee or maybe also through a hacked customer mail account. Now the scammers contact the customer. They claim to be the hotel and require advance payment for the stay. This can be quite convincing as they know what hotel has been booked and at what dates. The payment must be a wire transfer, credit cards are not accepted. Sadly, some customers fall for this and do the payment. They never see the money again and still have to pay the full price for the hotel. Here the key differentiator from ordinary scams is that the scammers have info about a valid purchase done by the customer. This enables them to be very convincing and impersonate the hotel (or some other provider of services) in a believable way. Fortunately it is quite easy to defeat this, and many other scam attempts, with some simple rules. Always pay your on-line purchases with a credit card. Period. If this isn’t possible, shop somewhere else instead. The credit card company acts as a buffer between you and the recipient of the payment, and adds a significant amount of security. Never use wire transfers of money. Period. This is the standard method for scammers as it is next to impossible to get transactions reversed. If someone claims that no other method is available, it is a very strong signal that something is wrong. If you have selected to pay by credit card, as you always should do, then it is a strong warning signal if someone tries to deviate from that and ask for money using some other payment method. Remember that it is next to impossible to verify the identity of the other part if someone contacts you. If you get contacted like this and have any kind of doubts, you can always contact the company you bought from to verify if they really have contacted you. The risk with credit cards is that your card number may be shared with several companies, like airline, car rental and the hotel, in the case of travel booking. Each of these may charge your card. Incorrect charges may occur either by mistake or deliberately. Always check your credit card bill carefully and complain about unauthorized charges. This is some extra work, but the customer will usually get unauthorized charges corrected. And a last hint not really related to scammers. Be careful with the grand total of your on-line purchase. Travel bookers are notorious for not showing the real grand total until at a very late stage in the purchase process. It is very easy to make price comparisons on figures that aren’t comparable. If possible, prefer honest sites that show you the real price upfront. Memorize these rules and the likelihood that you will be scammed is very small. The best way to fight scam is to not take the bait. So by being careful you not only save your own money, you also participate in fighting this form of crime as you make it less profitable. If you want to do even more, share the info and help others become aware. If you liked this post, you may also like the story about when I sold my boat. Safe surfing, Micke PS. The story I base this on was seen on Facebook. It is not verified, but I find it to be believable. It doesn’t really matter anyway if the story is true or not. The story is plausible and forms an excellent warning about Internet scams, which unfortunately is a widespread and very real form of crime. Image by Ho John Lee