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Online Credit Card Scams
from: Home Biz AdvisorWith Credit Cards becoming the dominant mode for financial transactions replacing the paper currency, Credit Card scams are also on the rise.
In reality, it's actually much safer to enter your credit card number on a secure on-line order form than it is to give your credit card to an attender at a gas filling station. Nobody will ever know, if later the attendant jotted down your credit card number and the address and placed orders on the phone with it later.
Research also supports the fact that frequency of fraudulent purchases made over cell phones is much higher than credit card frauds on the Net.
What are secure websites? A secure web site uses encryption and authentication standards to protect the confidentiality of web transactions. The most popular protocol for web security is SSL or Secure Sockets Layer. For SSL to work, your browser and the web server must both be configured to use it.
When logging onto a website using SSL, your browser asks the server to authenticate it, or confirm its identity. The authentication is by a process that uses cryptography to verify that an independent third party, or certifying authority, like VeriSign, has registered and identified the server. SSL can also authenticate connecting users and their computers. Plus, transmitted data is encrypted by SSL, which comprises mechanisms to detect transitional diversions, preventing tampering or eavesdropping.
For example, Internet Explorer uses 128-bit encryption, presently the highest level of protection for Internet communications, including credit card use, where security experts expect that 128-bit encryption will work well on the Internet for at least the next ten years.
All browsers are set up to accept SSL certificates, by default, from all certifying authorities, and to notify you when you're entering or leaving secure sites. Normally a padlock appears at the bottom right corner of the browser window to indicate that you're inside a secure website.
The golden rule is to never respond to emails that request you to provide your credit card info via email -- and don't ever respond to emails that ask you to go to a website to verify personal and credit card information. Always logon to secure and authenticated websites for online transactions.
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