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Combating fraud is easy when you are fully aware of the types of scams out there and how to avoid them. Consumers receive an email from a recognized brand like Target, Costco, Home Depot, or Walmart about a recent in-store or online order.
If you receive an email from a familiar brand that you think is legitimate, do not click on the embedded link or attachment.
Naughty:Certain customer behavior could point to card fraud, but it doesn’t necessarily indicate criminal activity.
Back in August 2011, Visa set a plan for financial institutions and merchants to begin switching to chip cards in the United States.
Making a purchase at the checkout counter will be slightly different with "chip cards," but the process will remain fast and convenient.
When this happened to David Lott of the Atlanta Federal Reserve, the person on the other end of the line represented herself as being from the Microsoft Windows Security Center. The most important thing to remember in these situations is to never give personal information to someone who calls you. Visa is aware that Target has disclosed unauthorized access to payment card data affecting all major card brands.
While it's unsettling to learn that your payment data may have been stolen, the good news is that in many cases stolen payment data is never actually used to make fraudulent charges. Visa has many layers of protections in place designed to help keep your payment details safe. Regularly monitor your accounts, carefully review statements and notify your issuing financial institution promptly of any unusual activity. It's important for you to remember you are protected against fraudulent purchases when you use your debit or credit card with Visa's zero liability protection policy.
Debit cards have the same zero liability protections as credit cards, and most financial institutions provide provisional credit within 24 hours. It is our understanding that there wasn't any personally identifying information stolen such as social security numbers, so we believe that the risk of identity theft is minimal.
Talented athletes from across the globe will gather in Sochi, Russia for the Sochi 2014 Olympic Winter Games from February 7-23, 2014 and for the Paralympic Winter Games March 7-16, 2014. Using sensible precautions when purchasing tickets will help avoid disappointment and allow you to enjoy the Sochi 2014 Olympic Winter Games to their fullest. A new national survey published by Visa today found that American consumers are sharing some of their most sensitive personal information on social networks. More than 58 percent of consumers surveyed admitted to sharing personal details over social media that could put them at risk for fraud and identity theft.
7 percent of consumers admitted to having shared their social security number over social media.
15 percent of overall respondents placed themselves at risk for burglary by providing their upcoming travel dates. There are certain pieces of information, including you social security number, full birthdate, payment card information or banking information that should never be shared on social media. Monitor your financial accounts regularly, and report any suspicious activity immediately to your bank. If you believe you have been the victim of identity theft, contact one of the three national credit reporting companies – Equifax, Experian or TransUnion – to place a fraud alert on your credit report. As consumer adoption of new technologies evolves, we are evolving our strategies and practices to ensure we’re reaching consumers in relevant ways.
In April, Visa became a first-time sponsor of TechCrunch Disrupt NY, one of the nation’s top hackathon contests, which attracts more than 700 developers from around the world. Now Visa is showcasing this fresh thinking at our flagship security event, the Visa Global Security Summit. With consumers being inundated with more information today than ever before, it is critical that we continue to find new and innovative ways to reach them with important security information. We’re looking forward to seeing the demos showcased on October 2 … and may the best team win! Ever notice how many people walk down the street completely engrossed in their smartphones and tablets? Although it’s great having access to email, social networking sites and online shopping anywhere, anytime, such convenience comes with a certain amount of risk, according to Jennifer Fischer, Head of Americas Payment System Security, Visa Inc. Change default settings on your laptop, smartphone or tablet to require that you must manually select a particular Wi-Fi network, rather than automatically accepting the strongest available signal.
Consider using a third-party virtual private network (VPN) product to encrypt your Internet traffic.
Regularly update virus and spyware protection software, make sure firewalls are on, and load operating system updates as soon as they become available, whether for your computer or smartphone.
Never leave a computer unattended while signed-in and always sign out completely at the end of a session. When traveling, remove sensitive data from your laptop if possible – things like financial spreadsheets, tax forms, banking files or documents containing your Social Security number or other personal identification. Cybercrime, including email scams, banking fraud, identity theft and many other misdeeds, is a booming business. Being able to access the Internet anywhere anytime can be a great convenience and time-saver. This article is intended to provide general information and should not be considered legal, tax or financial advice. Visa recently became aware of a new phone scam, promising entrepreneurial individuals the ability to make a fortune without leaving home. A Cloud Company Services representative, claiming to work for Visa offers the consumer a fee for any other company he or she is able to sign up to use Visa's or MasterCard's services. These scam artists sound official and add to their perceived legitimacy by providing a website and call back details that the consumer can refer to for additional information.
Remember: Always being on guard when an unsolicited caller requests your personal or payment information over the phone, particularly if they claim to be from Visa.
If you are unsure about any request, online or over the phone, call your issuing bank by using the number on the back of your card before you provide any information. Proactive consumers help us identify and shut down fraud and keep others from potentially falling victim to the same phony offers. Phishing scams have plagued consumers for a number of years, morphing to adapt to changing trends and technologies. Phishing is when fraudsters pretending to be from well-known companies, organizations, or government agencies contact consumers and try to trick them into revealing their Social Security numbers, financial account information, passwords, or other personal information. With fraudsters becoming ever more sophisticated at impersonating trusted organizations, it’s important for consumers to stay a step ahead and recognize these scams and better protect their personal information.
Criminals are always looking for new ways to trick consumers into handing over their personal or financial information. Visa Email Phishing Scam: This popular scam masquerades as an email from Visa to trick consumers into providing their payment information. Verified by Visa Email Phishing Scam: Verified by Visa is another Visa-brand that scammers like to use to trick consumers. Visa Text Message Scam: We have read reports of scammers using text messages as another avenue to trick cardholders. The text message does not contain the name of the issuing bank or any other information to identify your card (usually the last two or four digits of your account). Remember, phishing text messages may contain a link instead of a phone number – so be careful before clicking on any links if the text message is at all suspicious. Fake Verified by Visa Validation Prompt: This new scam targets consumers whose computers were previously hacked and have malicious code (malware) installed.
Consumers should keep their antivirus software current and run checks regularly to minimize the risk of this type of scam.
Fraud Avengers has reported that scam artists are posing as Visa or MasterCard representatives to trick consumers into providing the three digit security code on the back of their payment card.
It is important to note that Visa does not call or email cardholders to request their personal account information. As always, proceed with caution when receiving an unsolicited call, email or letter asking for personal information. American shoppers spent $41.9 billion online in the third quarter, a 15 percent increase over the previous year, according to a November 2012 report by comScore. Whether you're planning ahead or waiting until the last minute, take precautions when making online purchases to help ensure a secure shopping experience.
Small businesses are more dependent on the Internet than ever before, but 83 percent don't have a formal cybersecurity plan to protect against cyber threats, according to a new study released by Symantec and the National Cyber Security Alliance. The Cyber Planner 2.0 covers multiple facets of cyber security, including best practices to protect payment data and secure payment systems as well as how to avoid advanced versions of spyware and what immediate steps to take in case of infection, and recommendations to install new software systems that enable remote cleaning and tracking of laptops and mobile devices in the case of theft.
The Small Biz Cyber Planner will be of particular value for businesses that lack the resources to hire a dedicated staff member to protect themselves from cyber threats. The FCC, working with government and the private sector, is committed to furthering the message of the national cybersecurity awareness campaign. Criminals are actively targeting merchant point-of-sale (POS) terminals for "skimming," a technique that involves transferring payment card data and PINs to another source.
The good news is that merchants can take steps to reduce POS terminal weaknesses and the possibility of POS tampering.
Merchants must maintain a record of all serial numbers along with model numbers assigned to each of its acceptance locations. Whenever possible, secure POS equipment to prevent any unauthorized removal attempts from your merchant location.
As part of card acceptance training, make sure your staff is up to speed on how to recognize noticeable signs of equipment tampering. If you believe your business has been subject to device tampering, contact your acquirer or processor immediately. As always, Visa advices cardholders to be especially wary about giving out their personal or payment card details, particularly in cases in which they don't initiate the conversation. Next time you decide to post information online on public social networking sites or a blog, pause and make sure you consider the sensitivity of the information you are about to share.
Visa is also a board member of the National Cyber Security Alliance, which provides additional information on social network security tips. Many consumers find the popular social media site, Twitter, useful for staying in touch with friends and family and getting updates from organizations or famous people.
Scams on Twitter usually involve some kind of link or promise from either a user you don't know or a user whose account has been compromised.


A common scheme is for a scammer to create an account then follow or direct message hundreds or thousands of other users. Yet another scheme scammers use is to post something that leads to a link that looks like a Twitter login page, but isn't, and thus when a user types in his username and password, the fraudster has access to their account and can use it to target others. Other signs of a fraudulent account are: repeatedly posting duplicate updates, abusing basic functions of Twitter to get attention, and posting links with unrelated tweets. Twitter users should ignore any direct messages or tweets that promise that by simply clicking on a link they will receive thousands of followers. Twitter is aware of scammers using its site, and shuts down the accounts of spammers that users report, so users shouldn't hesitate to report a suspicious Twitter handle that displays any of the red flags. This blog posting provided as part of an unrestricted educational grant from Visa to the National Consumers League. Payment cards have made shopping and banking across the globe faster and more convenient than ever before.
Visa works in partnership with all participants in the payment system including financial institutions, merchants, ATM operators and law enforcement in order to secure payment card data, including PINs. Take care to physically shield your PIN number from prying eyes whether you're at the checkout counter or the ATM.
If an ATM is in a poorly lit or concealed location, or if you're just not feeling comfortable, use another ATM.
When using an indoor ATM that requires your card for access, avoid letting unknown people in with you. Report any suspicious activity on your account to your card-issuing financial institution immediately. As security blogger Brian Krebs recently reported, criminals are constantly trying new ways to steal payment card information and PIN numbers – so stay alert and be aware of your surroundings.
Yesterday LinkedIn announced that the log in credentials to members' accounts were compromised. Create strong, unique password for each of your accounts.In the event of a password compromise like this one, making sure you have different passwords can help prevent hackers from accessing your other accounts. There's a limit to how much a banking institution or other organization can control when it comes to preventing online fraud. Several weeks ago I was replying to online ads for ticket sales to the Kentucky Derby - a big event that no doubt attracts all types of scammers trying to sell cons. Copies of any e-mails we send you about the status of your account or a change in your account information will be displayed in My Messages. Important - *Never* respond to a suspicious e-mail or click any links in the e-mail message.
I don't think consumer education is the only answer, but online users have to increase their security savvy. To make sure you’re the first to know about new scams—or old ones with a new twist—be sure to sign up for Visa Fraud News Alerts. Security blogger Brian Krebs recently reported that cybercriminals are sending out phony “order confirmation” emails to gain access to people’s identities and computers. Fraudsters send out these emails hoping to exploit the fact that consumers are being inundated with messages from retailers about orders or promotions and may let their guards down.
Check the embossed number on the card against the four digits of the account number displayed on the terminal.
Have the cardholder sign the transaction receipt and be sure the signature on the card matches the one on the receipt. Because the code is unique to a single transaction, it can’t be re-used to commit fraud even it falls into the hands of data thieves.
As the infographic explains, cardholders will have to “insert” their card face up into the terminal rather than “swiping” it. While the caller’s phone number looks unfamiliar, you’re on the Do Not Call registry, so you answer. She informed him not only that his computer was infected, but that he could download an application that would remove the virus – for a price.
Whether masquerading as a computer company or bank, this brand of fraudster usually requests consumers to share sensitive personal information, such as social security numbers or payment card account details. While your financial institution may call to report suspicious activity or to confirm that you made a particular transaction, you will not be asked to provide your account information. However, you can also play an important role in your security by regularly monitoring your account statement for unusual activity and reporting suspicious charges to the financial institution that issued your card. It often starts with an email with link to an internet site that looks real, but is just a scam to get you to enter your personal information. With that said, it's always a good idea to regularly check your credit report for incorrect information. While an anticipated audience of three billion television viewers will watch The Games from their homes worldwide, others will make the trip to Sochi for the unparalleled experience of watching The Games in person. For past Olympic Games, just as with any high-profile sporting event, criminals have been known to sell counterfeit tickets. Other information, like your full name, mother's maiden name, pet's name, phone number, physical and email address may seem harmless, but can give criminals enough clues to answer security questions and break into your financial or online accounts.
Developers were given 24 hours to create an app that would help consumers learn payment security basics. Two standout teams from Disrupt will showcase their ideas on stage at this year’s event. We’re excited to be tapping into the talent of the independent developer community to help expand our thinking on how to reach consumers via mobile.
But if you must log on to a public network, avoid going to websites that require log-ins and passwords – particularly for things like bank accounts or email. To be safe, you may want to avoid conducting financial transactions on public Wi-Fi altogether; instead, use your secure home network. According to the 2012 Norton Cybercrime Report, the global price tag for cybercrime topped $388 billion last year, more than the global black market in marijuana, cocaine and heroin combined.
It's always a good idea to consult a legal, tax or financial advisor for specific information on how certain laws apply to you and about your individual financial situation. Once perpetrated by mail and phone, this tactic is now also common by email and text message. That information is then used to make unauthorized purchases, take over victims’ accounts, open new accounts, or even to apply for jobs or get tax refunds and other government benefits. According to RSA’s recent Fraud Report, the total number of phishing attacks launched in 2012 was 59% higher than in 2011. That is why we are working together with the Consumer Federation of America to develop consumer education materials to help address this trend.
A favorite fraudster tactic is to use the name of a recognized company or organization to gain consumers' trust.
Now fraudsters are taking advantage of our good work by using our name and logo to prey on consumers – and that's not something we take lightly. Below we dissect and highlight several warning signs in four examples of recent phishing scams. Notice that the extra spacing in the subject line and the improper capitalization of certain words throughout. Visa does not contact cardholders to request their personal account information, so the email's request that the consumer "update" card information is suspicious. By assigning a 72-hour deadline and threatening account suspension, the criminals hope to add a sense of urgency that they hope will override the cardholder's normal sense of caution.
Don't click on hyperlinks, files or images unless you know the email request is legitimate. Consumers can forward suspicious text messages to the short code 7726 (the numbers spell the word "SPAM").Text messages may also contain dangerous hyperlinks that can open in a mobile phone, so think twice before clicking!. When the consumer begins the checkout process for an online purchase, the malware is activated and presents a fake Verified by Visa prompt to phish the consumer's information. Always remember that a legitimate Verified by Visa prompt will include both the Verified by Visa logo AND your issuing bank's logo. A legitimate Verified by Visa prompt will never ask you to enter your card details and your Verified by Visa password. And, if you suspect your credit card data may have been compromised, contact the number on the back of your card or on your bank statement. If the trend continues, this holiday shopping season will be a strong one, with many consumers choosing to make holiday gift purchases on the Internet. Before you start shopping online, make sure your computer's anti-virus software is updated. As larger companies improve cyber defenses, American small businesses are now more vulnerable targets. This week, the Federal Communications Commission is re-launching the Small Biz Cyber Planner 2.0, an online resource to help small businesses create customized cybersecurity plans. As they continue to leverage broadband technology, including smartphones, mobile payments, and the cloud, they must increase security and follow best practices so that they can continue to run efficiently.
The tool will walk users through a series of questions to determine what cybersecurity strategies should be included in the planning guide, and generate a customized PDF that will serve as a cybersecurity strategy template. The perpetrators then use the stolen data to create counterfeit payment cards for fraudulent purposes. Although there is a tendency to look for a silver bullet that will stop POS terminal tampering incidents, the most effective strategy is to take a layered approach to security.
Examine your terminals periodically and look for abnormalities like missing or altered seals or screws, extraneous wiring, holes in the device – these could be clues that criminals have tampered with your device. Position the CCTV cameras so that they properly monitor all POS terminal locations, but do not record PIN-entry actions during the transaction process. Making the staff aware of POS equipment-tampering schemes and skimming attacks can help reduce the possibility of fraud exposure and associated losses. Don't post information such as your social security number or payment card information in a public forum or social networking site. Unfortunately, scammers see the millions of Twitter users very differently: as potential targets.
Any "get followers quick" links could be a way to steal money or private information by installing malicious software onto your device or redirecting you to an illegitimate website that may ask you for your personal or payment information. While the incidence of fraud within the Visa system is at near historic lows, criminals are always looking for opportunities to steal payment cards and PIN numbers in order to make unauthorized purchases and cash withdraws. Criminals may be less likely to tamper with the device in a place where they could get caught.


Contact your financial institutions to sign up for Visa transaction alerts, which are sent to your mobile device in near real-time.
Make sure your passwords are hard to guess.Security blogger Brian Krebs outlines good tips on how to do this. The New York Times is reporting that phishing emails purporting to come from LinkedIn have already begun to surface.This is only one type of attack to be mindful of.
My personal experience with a phishing scam illustrates why it's so important to educate consumers and businesses about how to spot suspicious requests and potential fraud.
The e-mail was convincing, though a few details seemed sketchy, like the fact that my alleged eBay representative lived in England and that my name was misspelled. This is especially helpful since many spoof emails try to convince you that your account is in jeopardy.
If you think you may have given out personal information in a spoof email or website, you need to take steps to protect your identity right away. Our Trust & Safety team works closely with Internet Service Providers to shut down fraudulent sites. Visa will keep you up-to-date and at the cutting edge, ensuring the latest information and fraud-fighting techniques are always at your fingertips. If the email is authentic, it will likely contain a receipt or confirmation number that can be used to track the order online.
This feature is virtually impossible to replicate in counterfeit cards to help reduce in-store fraud. As this video explains, EMV chip cards have a tiny computer chip embedded in them that helps make them more secure from cyber hackers. Similar to non-EMV transactions, cardholders will then either sign for the purchase, enter a PIN, or do nothing at all for some quick every day transactions.
If this happens to you, dial the number on the back of your payment card to verify the call. We have been working closely with Target and financial institutions that issue payment cards in order to intensify the monitoring of potentially compromised accounts and minimize fraud. According to Cisco, about 750,000 Wi-Fi hotspots are now being used by over 700 million people around the world, so it’s doubtful our wireless access addiction will diminish anytime soon.
With a little know-how and the right tools, cybercriminals could easily eavesdrop on your online activity. Security experts recommend using at least 12 characters instead of the minimum eight characters commonly required.
In this instance, someone claiming to be from a company called ''Cloud Company Services'' cold calls consumers and offers them the ability to make money by re-selling Visa's and MasterCard's services to other businesses. In order for the consumer to be able to re-sell the services, Cloud Company Services requires that the consumer pay a $395 fee to procure a domestic business license or $700 for an international license. Further, the report estimates that global losses from phishing last year were around $1.5 billion. This tactic is known as "phishing" and can take many forms – an email, phone call, mobile text message or even a website. We investigate all potential Visa-related phishing scams and work with anti-phishing organizations and law enforcement to alert web browser vendors of confirmed phishing attacks and help shut them down.
A single click can cause your computer to become infected, and there may not always be visual clues of a compromise.
Given the urgency of the email, a customer support phone number would likely have been included in a legitimate request.
If something looks odd and the prompt seems irregular in some way there is probably a good reason for suspicion. What makes this particular scam especially believable is that the fraudster already has several pieces of personal information about the consumer such as name, address, and telephone number -- reinforcing the appearance that the call is legitimate. While Black Friday and Cyber Monday are now behind us, Visa data suggests that the busiest online shopping period is still to come. Take the extra time to keep cybercriminals from invading your computer or stealing sensitive personal information. Among its advantages is that it does not share your full account information with online merchants. According to Symantec, they were subject to hundreds of millions of cyber threats in just the first few months of 2012. Originally launched in October 2011, it is the result of an unprecedented public-private partnership between government experts and private IT and security companies, including Visa, DHS, NCSA, NIST, The U.S.
The quick resource features new tips on creating a mobile device action plan and on payment card security.
The following best practices have been created to help merchants maintain the highest level of POS equipment security and reduce the possibility of skimming. This prevents the substitution of terminals and protects against the possibility of tampering. Review the CCTV images on a regular basis to make certain your security measures are being carried out correctly and that your POS equipment has not been tampered with or impaired in any way.
A fraudster who has certain pieces of information about you like your personal or professional contacts or information about your work experience could have enough information to attempt a "spear phishing" scam – an attack in which a criminal attempts to extract personal or payment information by pretending to represent an entity you trust or someone you know such as an old friend or distant relative.
And the fact that this person asked me to provide the texted verification code was a big indicator this was a scam. I immediately called eBay, forwarded the phishy e-mail to eBay's customer service department. We also send your reports to Web browser companies so that they can develop tools to identify spoof sites. Today I am going to show you how to make these fun extra large holiday card signs to hang around your holiday home. I spend my days creating and thrifting with my amazing hubby, a crazy cat, one very spoiled dog, and seven adorable chickens.
Although these few extra steps will take more time than simply clicking on the embedded link, they may save you from a bigger headache down the line.For additional advice on how to stay safe this holiday season, check out these Secure Holiday Shopping Tips and visit our Preventing Fraud sectionHappy holidays! The chip securely stores payment data that currently reside on the magnetic stripe, and enables more secure processing by generating a one-time-use code for each transaction. Chip card technology also supports mobile payments, so the investments the industry makes today will help accelerate new innovations now and in the future. There are countless studies that have shown consumers who check their accounts online or take steps to monitor their credit report are less likely to be victimized by fraud and identity theft. You can test the strength of your passwords at sites like Microsoft’s Password Checker. Senator Kirsten Gillibrand (D-NY), to explore how industry and government can collaborate to address cyber security,” says Fischer.
By participating in our anti-phishing security efforts, you can help prevent other consumers from becoming victims.
Consumers should be suspicious of Verified by Visa forms that ask for more information than usual. If possible note the phone number used by the scammer and call your issuing bank immediately. According to Visa, over the last 10 years, December 22, 23 and 24th have been the busiest online shopping days of the holiday season.
A typical cyber-attack can cost a business on average, close to $200,000 – enough to put many of them out of business. Chamber of Commerce, The Chertoff Group, Symantec, Sophos, Microsoft, HP, McAfee, The Identity Theft Council, ADP and others. Where permitted by the design of the terminal, the cables connecting to terminals should be protected using a conduit, or they should be held within a physically secure structure. A recently popular method of this is a direct message or tweet with a message like "lol is this really you?" with a link attached.
Next, crop and resize your Christmas card to be the same dimensions of the door measurement.
Follow along with me for a heap of DIY projects, everything I just adore, and a healthy dose of vintage goodness. These features make EMV chip card data nearly impossible to counterfeit and, eventually, a less attractive target for criminals to steal. Lott taken the bait, the fraudulent “fee” he would have lost would likely pale in comparison to the potential of having his computer hacked. The following is an example of a suspicious Verified by Visa validation prompt during the checkout process.
Your issuing bank will be able to tell you whether any suspicious transactions have been made to your account.
If you receive a phone call or email requesting you to provide or to confirm your account details or personal information, proceed with caution. So if the inside of my cabinet door in between the face frame was 8×13, then I would crop and resize my card to be the same dimensions.
Paying with a Visa credit card can provide an extra layer of protection from fraudulent merchants and transactions. Visa works to actively disable phone numbers confirmed to be used for these types of fraudulent activities.
And a few minutes after that, the seller e-mailed me, asking me to give him the confirmation code that was sent to my phone.
Or you can put some images together in one file like a collage and get a poster printed from an online printing site like cafe press or zazzle. I wanted to frame some smaller prints, so I ended up making a collage and getting them printed as a collage in a poster. First, paint a layer of decoupage medium onto the inside part of your cabinet door inside of the face frame. Carefully pick up your enlargement and lay one edge face up onto the cabinet door so the medium you painted on both the cabinet door and the picture are touching.
Lay out the enlargement onto the door and smooth out and center making sure it is lined up and there are no bubbles.



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