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Protecting Yourself Online, Scams, Cons, and Rip-offs Chief Darin DeHaan Oregon Police Department.

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Presentation on theme: "Protecting Yourself Online, Scams, Cons, and Rip-offs Chief Darin DeHaan Oregon Police Department."— Presentation transcript:

1 Protecting Yourself Online, Scams, Cons, and Rip-offs Chief Darin DeHaan Oregon Police Department

2 How is your Credit Card Information Stolen? Credit Card Companies Hacked? Banking Information Hacked? Scams?

3 WOW 20% of $5.7 Million found in a trunk!!

4 Are you kidding me? Yaser Arafat’s wife has my address! Woohoo! What is she thinking?

5 Canadian Lottery Scam Form of Communication: , Letter, or via phone. Communication will likely tell you have won a large some of money from the Canadian lottery and you can collect for a small processing fee.

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7 In this situation they are offering you a check for twice the amount owed for “taxes” all you have to do is send them a money order or Western Union the money to get your Millions!

8 POSTAL MONEY ORDERS This scam usually starts with some type of communication usually or a chat room contact. The offender will begin a “courting” relationship with the target and will layout an elaborate “poor me” story in which they seek your “help” a.k.a your money.

9 POSTAL MONEY ORDERS The scam then entails sending you several thousand dollars of fraudulent Postal Money Orders. The con will request the money be sent via Western Union to them and you can keep a small percentage of the funds. PROBLEM: Your bank finds out the Money Orders are no good. Oops you now owe your bank some serious $$$$$$

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12 BUSINESS CHECKS You receive a letter and a check for various claims, insurance, law suit, recalled merchandise. You just send them back a percent after you have cashed the check. You receive a letter and a check for various claims, insurance, law suit, recalled merchandise. You just send them back a percent after you have cashed the check. The issue with this is it’s often within the continental U.S. and at one time the business was legit but their financial identity was stolen and bogus checks were created on their accounts. The issue with this is it’s often within the continental U.S. and at one time the business was legit but their financial identity was stolen and bogus checks were created on their accounts.

13 SCAMS To many to mention but here are a few. Chain letters. Spam Ebay, Credit Card, Pay Pal and other account verification s. Phishing Hit man Kidnapping or Murder threatened and a ransom is demanded.

14 SCAMS Oregon Police Department: Military Sharp Shooter Used a name of an actual green beret sharp shooter. Threatened to kill someone unless a ransom was paid. Attempted to set up a kidnapping by requesting foreign travel. Even reserved a room for us.

15 TRAGIC EVENTS SCAMS 2011 Within hours of Japan’s natural disasters their were already hundreds of aide relief scams in operation around the world!

16 Phone Scams – The Jailor You receive a call from a “family member” who is in jail in a foreign country and needs $ bond money $ to return home! May not sound like your “grand child”. “Jail official” will verify the need for bond to release your relative from custody. Always check to make sure before you send any money.

17 POINT OF SALE INTRUSION The number one way credit card information is being stolen is through Point of Sale Intrusion. How does this happen?

18 Credit Card Transactions 1.Most businesses are taking credit cards for transactions. 2.These credit cards are hooked up to a computer with internet access to complete the transactions. 3.The problem is often these computers are not protected and are used by employees to check , Facebook, Myspace accounts etc. 4.With limited or no network security on these computers it is easy for a hacker to enter the system to plant a virus. 5.The virus is stealing the credit card information from the local computer while it transmits to the bank for credit approval.

19 Credit Card Skimmers

20 Keystroke Loggers Hackers are applying for low end jobs to enter small businesses and implant Keystroke Loggers onto their computers. This create an ongoing text file of all of the information entered with the keyboard on the computer. Software can be added in the background to the text to the hacker every few days.

21 Have you ever used a computer at a hotel in the business center? Checked your , Facebook, bank account etc..? 1)Don’t! 2)If you must make sure you do not have Windows save your password. 3) The system may have a software or hardware key logger installed. 4) Clear internet history and if you can run a spyware program that can be carried with you on a Flash drive!

22 Jury Duty Scam Y ou get a call from “Ogle County Judicial Center” – Caller ID “ You missed jury duty and now a warrant has been issued for your arrest. “ I can stop the warrant from being served if you place a $1.00 “bond” hold on your credit card. You will be issued a new court date. 1 st Can I verify your Date of Birth as __/__/__ they will know it. 2 nd Can I verify your Driver’s license number is D500…… 3 rd Can I verify your address is…… LETS BREAK IT DOWN

23 How its done. How do they get the information? And what about that Caller ID?

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25 INTELIUS Search

26 Public DataBase!

27 Driver’s License Number

28 Social Networking Sites Can give Date of Birth – If not the Date of Birth we can get a day of birth based on “Happy Birthday Wishes” Can give Children’s names Can give mother’s names Can give father’s names Can give cell phone numbers Can give work information

29 BLUEJACKING The use of a portable computer to scan for Blue Tooth Enabled Devices. The hacker then through brute force password discovery programs will get your take control of your Blue Tooth device. Can see and download pictures, documents, personal information etc…

30 Defeating Bluejacking Turn off your Blue Tooth discovery mode on your phone or laptop.

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33 Security Questions When it asks your mother’s maiden name? Where did you go to High School? What is your pet’s name? What is your answer?

34 Correct response maybe a lie! If they ask you don’t answer truthfully. Just answer: Something like What is your mother’s maiden name: “WALLPAPER”

35 Security Questions Current trend is to allow you to make up your own questions that you can answer. How about: “Is your wife a terrible cook? Answer: “How do you know my wife?” How about: “What is that awful smell?” Answer: “Must have been the dog!” How about: Credit Card Company “I hope we have an opportunity to reduce your interest rate today.” Answer: “Thank you I appreciate you doing that for me.”

36 Virtual Credit Cards

37 WHAT YOU CAN DO Read the small print: Get all promises in writing and read all paperwork before paying any money or signing any contracts. Free means free: Throw out any offer that says you have to pay to get a gift or for something that’s called “free.” If something is free or a gift, you shouldn’t have to pay for it.

38 PHONE SCAMS Never give personal information over the phone. Even if they know a portion of your social security number do not “confirm” the entire number with them. Recognize who you do business with and tell them you will call the number you have to verify the legitimacy.

39  Equifax: Equifax: To report fraud, call (800)  Experian Experian To report fraud, call (888) EXPERIAN or (888) , fax to (800)  Trans Union Trans Union To report fraud, call (800) or write to P.O. Box 6790, Fullerton, CA CREDIT COMPANIES

40 LASTLY IF IT SOUNDS TOO GOOD TO BE >>>>>>>>>>>TRUE<<<<<<<<<< ITS PROBABLY A SCAM!!!!!!!


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