Seguramente te has preguntado en estos tiempos donde la vida digital gana terreno en el mundo *Qué es Phishing* Un término anglosajón muy discutido y temido dentro del esquema financiero global. El Phishing es la actividad que realizan ciberdelincuentes para timarte el dinero dentro de la red. Son muchas las formas o tácticas que existen de Phishing; por eso, debes estar prevenido en todo momento.
¿Qué es el Phishing?
El Phishing es una actividad virtual que practican muchos delincuentes a través de maniobras ingeniosas, para tratar de sacarte información personal, y así ingresar a tus cuentas bancarias, billeteras digitales, o cualquier otra plataforma financiera donde tengas ahorrado dinero, con el objetivo final de robarlo; sin que puedas rastrearlos, y en la mayoría de los casos, dejándote sin la posibilidad de recuperar lo sustraído.
El Phishing al final es una suplantación de identidad; logrando con ello el pase a nuestras cuentas mercantiles para vaciarlas. Generalmente, las víctimas son contactadas por los delincuentes digitales a través de: correos electrónicos, y mensajes de texto en celulares. La capacidad de arropar el fraude radica en la interacción formal que activan con los posibles afectados.
El Phishing puede ser consumado directamente si caes en la trampa de enviar datos personales a estos delincuentes disfrazados bajo un manto de legalidad inexistente; o mediante una clonación de la información. Es relevante en todo momento contrastar pedidos urgentes de restablecimiento de contraseñas, o nombres de usuarios en tus cuentas, antes de pasar alguna data privada.
Te interesará leer también: Cuidado con las estafas dentro del sistema Forex
Cómo actúa el Phishing
Todos, en general, en pleno 2020, tenemos una huella digital. Es muy improbable, que alguien mayor de edad, en el mundo, esté exento de un rastro dentro de la red. El mundo social invade nuestra intimidad, por ello, es importante que te manejes con seguridad en internet. A veces, el cambio de contraseña, o escribir una que es difícil de descifrar, nos parece un paso tedioso, pero es la única forma de mantenernos confiados.
Las huellas digitales hacen que los ciberdelincuentes nos puedan rastrear; y a partir de ahí, crean su entramado para buscar estafarnos con el Phishing. Debes tener en cuenta, que las instituciones bancarias, y muchas plataformas financieras, como Airtm, jamás te pedirán datos personales fuera de su sistemas; ni te enviarán un correo electrónico, o mensaje de texto, preguntándote por ellos.
La mayoría de los ataques mediante Phishing se gestan al contestar un correo electrónico, o rellenando formularios de dudosa procedencia dentro de Internet. Estos ciberdelincuentes se hacen pasar con sus mensajes por entidades bancarias, o instituciones financieras, donde tú puedes poseer un determinado producto mercantil. Parten de un guión que se hace cercano a tu vida, con el objetivo de ganarte su confianza, y así puedas caer en la trampa. Los correos electrónicos por lo general vienen acompañados de enlaces adjuntos, que al hacer clic en ellos te redireccionan a plataformas fantasmas con apariencia de legalidad, o simulan ser tu banco, por ejemplo.
Pero en la actualidad, los ciberdelincuentes han perfeccionado sus tácticas. Los sistemas de correos electrónicos han venido filtrando los mensajes Phishing, etiquetándolos como Spam; por ello, los estafadores han migrado hacia las redes sociales, o intentando con la vieja forma del mensaje de texto, SMS. Facebook e Instagram son dos redes muy apetecidas para el Phishing, porque entra el juego la conversación por cercanía, donde muchos inocentes son persuadidos por los delincuentes.
10 maneras de prevenir el Phishing por la ciberdelincuencia
- No creas en los llamados de alarma: por lo general, los mensajes de urgencia recibes en tu correo electrónico son Spam, o basura. Los ciberdelincuentes intentan generar pánico en ti para aprovecharse de la situación y así sacarte información personal, logrando con ello ejecutar el Phishing.
- Verifica las direcciones de correo que son remitentes. Si recibes un e-mail que describe a una de las instituciones financieras con las cuales trabajas, primero, revisa el dominio del mismo, por ejemplo: @xghxh; ningún banco, o entidad mercantil seria usa correos como: Gmail, Outlook, Yahoo o Hotmail. Los correos institucionales tienen dominios propios.
- Llama a tu banco antes de responder cualquier mensaje que recibas pidiéndote información personal. Todas las agencias financieras en el mundo cuentan con un call center, o centro de llamadas centrales, para atender tus requerimientos. Allí, después de la verificación de tu cuenta, procederán a despejarte dudas sobre un supuesto contacto directo para restablecer una contraseña, u otra actividad digital no común.
- Trata en todo lo posible de no usar dispositivos de terceros para ingresar a tus cuentas bancarias, o billeteras digitales. La información que escribas puede estar siendo rastreada por miles de personas en el mundo si ese dispositivo no cuenta con un esquema de seguridad previo.
- No uses tus redes sociales para manejar tus cuentas financieras. No compartas datos por mensajes directos con desconocidos. Tus números de cuentas, de teléfonos, y dirección de correo electrónico pueden ser usados por los ciberdelincuentes para concretar el Phishing; tus datos personales, aun cuando no des usuario o contraseña, pueden ser una autopista que lleve a los criminales a construir la base para ingresar a tus cuentas.
- No hagas clic en ningún enlace virtual que recibas a través de correos electrónicos, redes sociales, mensajes de texto, o whatsapp, sin antes corroborar su legalidad. Si quieres ingresar a una plataforma financiera personal, haz clic en su URL directa.
- Mantén tu computador, o dispositivo móvil, actualizado, con los distintos niveles de seguridad encendidos para evitar cualquier intento de phishing. Es importante que al menos mensualmente revises el funcionamiento de tus software anti-virus; y limpies las llamadas cookies de tu PC, para evitar que algún rastro se pueda filtrar a redes inescrupulosas.
- Cuando abras una URL en tu computador, asegúrate que el sitio sea seguro. Eso lo puedes corroborar en el nivel superior izquierdo de tu buscador. Las URL seguras comienzan con el prefijo digital: https://. Cumpliendo con los protocolos de transferencias de los llamados: hipertextos. También verás el ícono de un candado cerrado.
- desglosa tus facturas y cortes bancarios mensuales, pues, los ciberdelincuentes pueden usar la modalidad de phishing pasivo, o en aumento, haciendo pequeñas transferencias, con la finalidad que sean casi imperceptibles por la víctima. Si observas algún movimiento que no se corresponda con tus transacciones personales, notifica la irregularidad inmediatamente a tu institución mercantil.
- En la medida de lo posible, trata de operar tus cuentas bancarias en un computador, y no desde un smartphone; pues, cuando usas el teléfono inteligente, estás propenso a activar sin querer, por las dimensiones del dispositivo, alguna variable externa aprovechada por los ciberdelincuentes para ejecutar el Phishing. O no puedes detallar bien, desde un celular, el enlace que usar para ingresar a una plataforma digital.
La seguridad depende de ti
La seguridad de tu dinero debe ser en todo momento una cuestión a tener cuenta. Infórmate detalladamente de todas las formas que brindan tus bancos, billeteras electrónicas, o plataformas como Airtm, para blindar tus datos. En Airtm cuentas no sólo con tu contraseña privada, sino que además tienes el sistema de verificación Doble Factor, que integra a través de un código digital, a tu cuenta y celular, para poder ingresar.
También, Airtm posee el sistema de autenticación de IP, que genera una alerta si intentas ingresar desde una dirección poco convencional. De esta forma, sólo confirmando que eres tú, desde el link de verificación enviado a tu correo electrónico, puedes ingresar a tu cuenta. En Airtm el Phishing es contrarrestado.
Regístrate gratuitamente en Airtm aquí
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