手机号码现在几乎与所有事物相关联。驾驶执照(License)、Aadhar、数字账户(Digital Accounts)，甚至银行(Bank) 账户(Accounts)。这是最方便的沟通方式，因为它们始终在消费者手中，并且他们可以对发送的任何消息做出反应。然而，这也意味着当一个数字与所有事物相关联时，欺诈很容易发生。这就是为什么银行(Bank)系统创建了多个安全参数（如OTP、3D 验证等）以确保即使不是不可能也不容易。今天，我们谈论的是这样一种欺诈行为——SIM 交换欺诈(SIM Swap Fraud)，以及您如何远离它。
什么是 SIM 卡交换欺诈
与帐户相关联的号码的主要问题之一是，如果有人掌握了您的号码，并且掌握了有关您的基本知识（在社交媒体上很容易获得），他就可以访问您的银行帐户或在线交易。家人、朋友甚至不认识的人都可以轻松完成。
在 Swim Swap Fraud 下， 欺诈者可以设法获得一张(fraudsters can manage to get a new SIM card)针对您注册的手机号码的新 SIM 卡，然后使用您银行帐户中的OTP获取访问权限。
欺诈者如何访问您的SIM 卡(SIM)
欺诈者通过网络钓鱼(Phishing)、Vishing、Smishing或任何其他方式收集您的个人信息。这是最重要的事情，这就是为什么您不应该拥有您的签名、银行账户详细信息，甚至不应该与他人共享复印副本的原因。(xerox)
一旦他们掌握了所有基本详细信息，他们就可以致电移动运营商，并阻止您的 SIM 卡。(get your SIM blocked.)他们将使用公司要求的家庭住址、出生日期和其他详细信息。
发布此消息后，他们可以冒充(with the fake ID proof)客户访问移动运营商的零售店。他们甚至会有授权书来获得一张新的正版SIM卡。
激活SIM 卡(SIM)后，他们可以获得借记卡和信用卡交易的 OTP，(get OTP for Debit and Credit Card transactions)在您获得更多通知之前，您甚至都不知道。
虽然这个过程听起来很容易，但它不会很容易。有人必须拥有您的完整数据，包括卡号(Card)、CVV、地址、生日等。但是，如果有人热衷于获取有关您的所有详细信息，那并非不可能。
如何防止 SIM 卡交换欺诈
- 如果您看到您的电话号码长时间无法使用，并且异常停止工作，请迅速采取行动。
- 不要在任何地方分享您的电话号码、20 位SIM号码、IMEI号码
- 也可以通过电子邮件 ID 向您的银行注册即时银行警报。
- 不要回复询问您的帐户详细信息或手机号码的未知电子邮件或电话。(unknown emails or calls)
- 使用TrueCallers(TrueCallers)等应用程序阻止垃圾邮件发送者是个好主意。
- 出国旅行时，请务必启用短信(SMS)和通话(Calls)等基本服务。如果银行想与您取得联系，这将是值得的。
如果 SIM 卡交换(SIM Swap)欺诈，您应该怎么做
首先，如果您发现欺诈交易，请致电您的银行并阻止您的借记卡和信用卡交易。其次(Second)，致电您的运营商并提出适当的投诉。你需要带着身份证原件和地址证明去拜访他们，以证明你的情况。
通过各种方式保护您的帐户，手机号码是一个好主意。更重要的是了解您在何处以及如何共享您的个人信息。(It is a good idea to safeguard your account, mobile number through various ways. What is more important is awareness of where, and how you share your personal information.)
What is SIM Swap Fraud and How do you stay safe
Mobile numbers are linked to almost everything now. Drіving License, Aadhar, Digital Accounts, and even Bank Accounts. Its thе most convenient wаy to communicate as they are alwaуs in the consumer’s hand, and they can reaсt to аny meѕsage that is sent across. However, this also means that fraud can happen easily whеn one number is linked to everything. This is thе reаson whу the Banking system has crеated multiple security parameters likе OTP, 3D verification, etc to mаke sure it’s not easy if not imрossible. Today, we are talking about one such fraud – SIM Swap Fraud and how do you stay safe from it.
What is SIM Swap Fraud
One of the major problems with a number connected to an account is that if somebody gets hold of your number, and with basic knowledge, about you, which is easily available in social media, he can get access to your bank account or online transactions It can be easily done by a family member, a friend and even those whom you don’t know.
Under Swim Swap Fraud, the fraudsters can manage to get a new SIM card issued against your registered mobile number, and then use OTP from your bank account to get access.
How fraudsters get access to your SIM
Fraudsters gather your personal information through Phishing, Vishing, Smishing or any other means. This is the most important thing, and this is the reason why you should not have your signature, bank account details, and even share a xerox copy with someone.
Once they have all basic details, they can call the mobile operator, and get your SIM blocked. They will use the home address, date of birth, and other details required by the company.
Post this, they can visit a mobile operator’s retail shop with the fake ID proof posing as the customer. They will even have an authorization letter to get a new genuine SIM card.
Once the SIM is activated, they can get OTP for Debit and Credit Card transactions, and you will not even know until you have more way of getting notified.
While the process sounds easy, it’s not going to very easy. Someone has to have a complete data of you including Card numbers, CVV, address, birthdate and so on. However, if somebody is keen to get all the details about you, it is not impossible.
How do you prevent a SIM Swap fraud
- Take quick action if you see your phone number out of service for a long time, and has unusually stopped working.
- Do not share your Phone No, 20 digits SIM number, IMEI number anywhere
- Register for instant bank alert with your bank over email id as well.
- Do not respond to unknown emails or calls asking for your account details or mobile number.
- It’s a good idea to block spammers using apps like TrueCallers.
- When traveling abroad, make sure to enable the basic services like SMS and Calls. In case the bank wants to get in touch with you, it will be worth the cost.
What should you do in case of SIM Swap fraud
First, call your bank and block your debit and credit card transactions in case you have identified a fraud transaction Second, call your operator, and file a proper complaint. You need to visit them with original ID card and address proof to make your case.
It is a good idea to safeguard your account, mobile number through various ways. What is more important is awareness of where, and how you share your personal information.
