The following ten-point checklist when shopping on the internet is recommended.
1. Only use recognized and established retailers.
2. Never disclose your PIN to anyone and never send it over the Internet.
3. Ensure that the locked padlock or unbroken key symbol is shown in the bottom right of your browser window before sending your card details. The beginning of the retailer’s internet address will change from ‘http’ to ‘https’ when a purchase is made using a secure connection.
4. Make sure your browser is set to the highest level of security notification and monitoring. The safety options are not always activated by default when you install your computer.
5. Use up to date versions of web browsers, old ones are less secure.
6. Ensure that the retailer has an encryption certificate. This should explain the type and extent of security and encryption it uses.
7. Check statements from your card issuer as soon as you receive them. Raise any discrepancies with the retailer concerned in the first instance. If you find a transaction on your statement that you did not make, contact your card issuer immediately.
8. Print out your order and keep copies of the retailer’s terms and conditions and returns policy. There may be additional charges such as local taxes and postage, particularly if you are purchasing from abroad.
9. Ensure you are fully aware of any payment commitments you are entering into, including whether you are instructing a single payment or a series of payments.
10. If you have any doubts about giving your card details, find another method of payment.
Protect yourself a victim of card fraud, follow these tips:
- Look after your card, keeping it secure at all times and don't let it out of your sight when making a transaction.
- Carefully discard receipts from card transactions - shred them if possible to prevent 'bin divers' from acquiring information about you and your cards
- Check your receipts against your statements. If you find an unfamiliar transaction contact your card issuer immediately.
- Never write down your Personal Identification Number (PIN) and never disclose it to anyone, even if they claim to be from your card issuer or the police.
- When using a cash machine, be wary of anyone who might be trying to watch you enter your PIN and do not allow yourself to be distracted by anyone trying to talk to you.
- Report lost or stolen cards to your card issuer immediately.
- Have a locally issued credit card for use as an alternative. It will also serve as a back up should you be unfortunate to be a victim of fraud. Avoid Gold and Platinum cards if you don’t actually need the higher limits or other benefits offered.
Other tips:
- Sign any new cards as soon as they arrive. Ensure that you cut up the old cards as soon as the new ones become valid.
- If you carry a bag, carry it firmly with the clasp towards you. A money belt or secure inside pocket is best for valuables.
- Don't leave cards unattended in a bag, briefcase or jacket pocket in a public place and keep your bag or briefcase on your lap.
- At work keep your bag and other personal belongings locked in a cupboard or drawer.
Following is example of deception Case of credit card by stealing credit card data.
a client from a bank which by using transaction through e-commerce experiences loss equal to credit limit at the credit card. The cause is theft of client indentity by using TROJAN.
This thing can be avoided if client to apply procedural of security and safety which had been recommended if doing transaction of online.
Some analysises to deception Case and theft of credit card data, explainable as follows and this addressed to bank institute :
- criminal has some credit cards especially the platinum.Bank has done blacking out step to some the cards.
- Bank must do tighter monitoring, remembers growing of ability of level of technology so that risk cyber-crime excelsior.
Following is some suggestions to avoid theft of credit card data :
- suggested to client is done by replacement of credit card from type magnetic becomes chip type card, nevertheless this thing doesn't guarantee 100% safe,but to steal chip type card data required to be skilled of technology which is enough is height. Usually for replacement of this type card the side of bank requires process 1-2 weeks, or can be quicker.
- if happened losing of credit card in physical, soon reports kepihak bank releasing the card.
Ought to the side of bank releasing credit card, gives explanation to client that losing card has leaking potency. Therefore the card blacked out to be former , then is done replacement with new technology credit card during 3 up to 5 day.
- applies you credit card carefully and effective. Taking a care if doing attentive and online transaction to cyber-crime.
- checks periodical to your credit card invoice.
- applies security system at computer which you applies to do transaction of online. For this information you can pay a visit at website security system of computer like Mc Afee , symantec and etc. Can also you does consultancy with consultant webmaster which you recognizes.
