Today is the Era of Technology in which computers and mobiles are crucial
resources for any kind of business as well as for personal individuals. Nowadays
people are more dependent on technology, Due to this, some people termed
scammers to try to Loot innocent's people hard-earned money. Cybercrime is also
known as Computer crime. It is basically defined as a criminal activity that
involves two factors that is Computer and Network.
The Cybercrime is Categorized into two major areas. Firstly the attacks against
Computer hardware and software in the form of Viruses, network intrusion, and
Secondly in the form of Financial loss which includes Fraud, theft of Financial
as well as personal information and phishing.
Cybercrime is not restricted to computers only, the huge impact of cybercriminal
activities on mobile devices have been analyzed in recent years. There is an
open market place on the Android platform for various kinds of viruses and
Cybercrime is a threat to the infrastructure of various businesses and
governments all around the world. it can also harm the Civilians in many ways.
In a recent survey, hundreds of billions of dollars have been stolen out from
the global economy due to cybercrime and still, there is no sign of its
slowdown. According to the report of Times India, Just 92 days between October
1, 2019, and December 31, 2019, saw criminal activities make away with nearly
128 crores in frauds relating to debit as well as credit cards.
According to the Reserve Bank of India (RBI) mostly the higher number of cases
of fraud is related to the Debit/ATM card category which saw 11,058 cases
involving 94.5 crores. The credit card also reported 6,117 fraud cases with
almost 89.7 crores of financial loss to common people.
Cybercrime impacts in certain ways, including:
- Financial Loss
- Damage to company reputation
- Sensitive Data loss
- Job loss
- SLA Breaches
Online Types of Fraud
Phishingis a method that is used by fraudsters to steal personal
information. Under this scam, usually, Fraudsters send you emails by name of
genuine or reputed company. The main purpose of this is to steal your bank
details. These emails usually will have an attached link. If you click on
these links, the fake website will open and the fake website will ask you to
provide your sensitive information regarding card details, UPI code or OTP
code, or any other further details.
Online shopping PortalsIt is one of the biggest and most common
internet frauds. Under this scammers made fake online shopping portals with
the intention of cheating and looting the hard-earned money of innocent
people. On the website, they usually display attractive products at the
cheapest price to attain the attention of the customer. But after all the
payment process is done, either the delivered product is fake or the product
is not delivered at all. These policies also don't have any kind of refund
or return policies and there will be no proper helpline number for the
customer. These sites usually don't deal with cash on delivery.
Lottery fraudIt is one of the most common frauds all around the world
on the internet. Under this Scam, Fraudster sends you email and messages by
written you have won a Lottery worth crore. To receive the lottery money,
Fraudsters ask you to send some amount of money in the name of tax. Even
sometimes they ask you to spend money in the name of registration on fake
websites and then try to make a payment on those websites then your
sensitive information on bank details will be stolen.
Work from HomeIt is one of the most serious crimes on the internet
world. Under this, Scammers find those people who are desperate to work from
home to earn some money for themselves. They use to tell people that they
will get a large amount of money by just working a few hours from home. For
job-seeking people, they will first ask you to pay some advance money for
the registration of the scheme. After the deposit of money, they will cut
all the connections from you.
Matrimonial scamsIn the busy era people also search for their life
partner on online portals. But in return, they lose a huge amount of money
while finding their life-partners on the matrimonial sites. Fraudsters are
basically looking for innocent people by creating fake accounts or fake
profiles. Under this, firstly scammers make victims believe them and then
they cooked up sad stories to innocent people and ask them for money as a
OLX ScamsThese kinds of scams are very common these days in
which people lost their hard-earned money. Scammers portray their image as
any public officer and post their advertisement on the website. They use
people sentiments in the name of the public officer to loot. They show fake
identity cards to the people and make them believe and after that, they
usually ask for the advance payment and promising to deliver the product as
soon as possible but after receiving payment they never deliver products and
even cut all the connections from the client.
Social media ScamsSocial media frauds and scams are one of the most
popular scams all over the world. Mostly teenagers fall under this scam, In
this, scammers try to come close to the common people and then make them
fall in love, and after that, they do whatever they want as they ask for a
huge amount of money by blackmailing them by posting their private pictures
on social media. This scenario comes under cyberbullying and blackmailing.
Protection from Scams
As we discussed various kinds of scams above which is a serious crime for the
society there are some of the precautions we can take to prevent yourself from
these kinds of scams.
Do not share Sensitive Bank detailsThis is one of the most common precautions we can take to prevent ourselves from
scammers. Usually, scammers ask for the bank or ATM card details by saying this
“your card will be blocked in a few days, we have to update your details “In
this way, they loot your money. To prevent these kinds of scams you should not
share any personal bank or ATM details with anyone. If you have any kind of
query regarding the bank account, you must visit the bank personally.
Do not share OTPThis is one of the most common mistakes people do by sharing the OTP with
someone. The OTP's are made up to protect the Customer's personal details but if
you are giving some random person your OTP then that person has easy access to
steal your identity as well as money. If anyone asks you for that, tell them to
send a proper Email from their official ID by providing complete information
regarding the matter.
Strong PasswordsPeople use very weak passwords for their social accounts and websites like
(1234) which is easily accessible for the hackers to breach it. Then these
hackers steal your identity and account as well and use it for their personal
benefit without your knowledge which is completely illegal. We should make our
website's password more strong include (upper and lower) alphabets or even the
Legal Actions There are various laws made against cybercrime, scams, and fraud in the IT Act
and IPC respectively. For offenses like Hacking, theft, cyberbullying, data
theft, illegal code tempering there are some of the major law comes under the
Section 66 (Computer-related offences), protect against identity theft (S.66C)
or cheating by impersonating online (S.66D), Section 43 (Penalty and
Compensation for damage to the computer, computer system, etc) remedies against
data theft, hacking, virus attacks and financial frauds under section 46 of IT
Act. Cases of forging a credit or debit card or even cloning a mobile SIM with
dishonest or fraudulent intent to cause wrongful loss or wrongful gain could be
prosecuted under IPC provisions (S.463 to S.471 IPC, as applicable)
Registration of ComplaintAccording to NCH, in case of fraud transactions a consumer should lodge a First
Information Report (FIR) or make a police complaint or to Cyber Cell if the
company is not traceable. To register a complaint with NCH you can call on
1800-11-4000 or 14404, you can also send SMS on
As we discussed above Cybercrime, Scams, and fraud, with the expansion of
Technology there are a lot of crimes happening in the internet world. Basically
there are major two types of crime that are Hacking and looting money via
Scammers, which consist of a serious crime for society. For the precaution, the
Government adopted several steps regarding this like the OTP method, CVV number
method. The Government also publishes an add on television as well as in
newspapers to awake people from these kinds of Scams.
For these frauds, there are certain laws made in the IT Act and Under IPC for
the betterment of society. Further, stronger laws have been formulated with
respect to the protection of "sensitive personal data" in the hands of the
intermediaries and service providers (body corporate) thereby ensuring data
protection and privacy.
Written by- Abhinav Manan, B.A L.L.B Hon' at Chandigarh University