With black Friday just around the corner, many of us are starting to think about holiday shopping. We all love the convenience of being able to be at home in front of a computer vs the hassle of crowded malls and searching for parking spots. You can click here and there and order whatever product you desire and have it delivered to your front door. You can compare pricing, look for deals, compare products, and it all can be done quickly and in the convenience of your own home, any time, night or day. The downfall? Wherever there is money and users to be found, there are malicious hackers roaming around.
Use familiar web sites. You need to be aware of the safer online shops, like Amazon. One tactic favored by malicious hackers is to set up their own fake shopping websites. Fake websites can either infect you the moment you arrive on them by way of malicious links. However, the most dangerous aspect you should be concerned about is the checkout process. Completing a checkout process will give cybercriminals your most important information: credit card data (including security number), name, and address. This opens you up to credit card fraud or social engineering attacks.
What are some key things to be aware of as you’re shopping? Stay with well-known and popular brands. That way you know what you’re getting by way of quality and price, but you also feel more confident that these well-established names have in robust security measures in place.
A few things to be aware of:
- Odd looking URL’s. If a URL address appears weird or unlikely, it’s probably a bad site and you want to avoid that.
- A strange selection of brands – as an example, the website claims to be specialized in clothes but also sells car parts or construction materials.
- Strange contact information. If the email for customer service looks like a fake, it probably is. Always be suspicious if it looks strange to you.
- Are prices ridiculously low? An online shop that has an iPhone 7 at $75 is most likely trying to scam you.
The old adage “if it seems too good to be true, it probably is,” rings true in this case, and it’s best to steer clear of these sites.
Use Secure Connections. Wi-Fi has some serious limitations in terms of security. Unsecured connections allow hackers to intercept your traffic and see everything you are doing on an online shop. This includes checkout information, passwords, emails, addresses, etc.
Before You Buy Online…
- If the connection is open and doesn’t have a password, don’t use it.
- If the router is in an exposed location, allowing people to tamper with it, it can be hacked by a cybercriminal. Stay away.
- If you are in a densely-crowded bar with dozens of devices connected to the same Wi-Fi hotspot, this can be a prime target for an enterprising cybercriminal who wants to blend in and go unnoticed. Continue to socialize, don’t shop.
Access secure shopping sites that protect your information. If you want to purchase from a website, make sure it has SSL (secure sockets layer) encryption installed. The site should start with https:// and you should notice the lock symbol is in the address bar at the top.
Update your browser, antivirus and operating system. One of the more frequent causes of malware is unpatched software. Online shoppers are most at risk due to the sensitive information involved. At a minimum, make sure you have an updated browser when you are purchasing online. This will help secure your cookies and cache, while preventing a data leakage. You’ll probably fuss over having to constantly update your software because it can be a time consuming operation, but remember the benefits.
Always be aware of your bank statement. Malicious hackers are typically looking for credit card data, and online shops are the best place for them to get their hands on such information. Often times, companies get hacked and their information falls into the hands of cybercriminals.
For this reason, it’s a good habit to review your bank account and check up on any suspicious activity.
“Don’t wait for your bill to come at the end of the month. Go online regularly and look at electronic statements for your credit card, debit card, and checking accounts. Make sure you don’t see any fraudulent charges, even originating from sites like PayPal. If you do see something wrong, pick up the phone to address the matter quickly. In the case of credit cards, pay the bill only once you know all your charges are accurate. You have 30 days to notify the bank or card issuer of problems.”1
Using a credit card vs. a debit card is safer. Credit cards have additional legal defenses built in that make them safer to purchase online compared to debit cards. With credit cards, you aren’t liable if you are a victim of a fraudulent transaction, so long as you report the fraud in a timely manner. Secondly, credit cards give you leverage when it comes to disputing transactions with a seller. If you pay with a debit card, you can’t get your money back unless the seller agrees to it. With credit cards, the money you paid for a product isn’t counted against you until due process is complete, debit card holders however can only get their money back after this step. Ultimately, banks are much more protective of credit cards since it’s their money on the line, not yours.
Additional tips for safety:
- Never let someone see your credit card number – it may seem obvious, but never keep your PIN number in the same spot as your credit card
- Destroy and delete any statements you have read
- Notify your credit card issuer of any address change. Doing so will prevent them from sending sensitive files to the previous address
- Keep confirmation numbers and emails for any online purchases you may have done
- Immediately call your credit card company and close your account if you have lost or misplaced a credit card
Use antivirus protection. The most frequent tip on how to be safe online is to use a good antivirus tool. It will keep you safe against known malware. ”Before you begin shopping, outfit your phone or tablet with mobile security software. Look for a product that scans apps for viruses and spyware, blocks shady websites, provides lost-device protection and offers automatic updates.”2
Do not purchase from spam or phishing emails. A phishing email with a fake offer for a desirable product is a hard thing to resist for many shoppers, so they make an impulsive decision and click on the “Order Product” or “Buy Now”, and that’s when the malware attack starts. A phishing email is not like a standard email. The cybercriminal simply wants your click, and nothing else. The Unsubscribe button won’t stop the email spam. The best solution in these cases is for you to simply mark the email as spam, this will remove the mail from your inbox and block the sender from sending more spam.
Keep a record of your transactions. If you are a frequent online shopper, it may be difficult to remember from which site you bought a certain product. So, write it down: what you bought, when and from what website. Compare your spending details with the banking records from your online banking account, keep track of which websites you use for shopping and buying stuff online.
Hold on to your receipts and destroy them when you no longer need them. Keep the receipt for your purchase, just in case you need to confirm it again, as well as for warranty and return issues. If you want to get rid of receipt, make sure to destroy it completely, so that any possible identity thief won’t be able to find any information about you.
Don’t give out more private information than you need to. ”In order to shop online you need to provide two types of information: payment information, such as credit card data, and shipping location, which is usually your home or work address. Be suspicious of online shops that ask for information such as: date of birth, social security number or any other similar information. They don’t need it in order to sell you things.”3
Don’t keep too much information on your smartphone. These days, everybody stores a lot of important personal information on their phone, and most of us rarely take the time to secure them. These devices are now much less about calling people, and more about photos, social media, etc. Increasingly, people shop online using their smartphone, but this carries its own risks. Fake online shops can infect your smartphone with malware, and then have access to information such as phone numbers, notes, photos, and even app contents. Be careful what information you store on your smartphone.
If you take a few safety precautions, you can enjoy the convenience of technology with peace of mind while you shop online.
2 http://www.trendmicro.co.uk/home/internet-safety-for-kids/smart-mobile-tips-for-online-shopping/ – TrendMicro
https://staysafeonline.org – Powered by National Cyber Security Alliance
https://www.americanbar.org – American Bar Association