The QR code has become a valuable transaction feature that can help business and consumers make quick and easy payments. Unfortunately, many scammers often use it to commit crimes. Fraud using QR codes has claimed many victims, especially consumers.
Scammers will usually create fake QR codes by using the names of brands, shops, and official organisations. This QR code is then affixed somewhere or shared via mobile phones where it can be accessed by victims.
Unwitting victims will scan the scammer’s fake QR code through their mobile phones. The fake QR code not only functions as a malicious link that takes victims to a fraudulent site (where victims will be asked to fill in personal data) or makes them download malware, but it can also be programmed to make calls and send messages from the victim’s mobile phone to the contact numbers on the victim’s mobile phone.
The scammers or hackers will gain access to steal various sensitive information from the victim’s mobile phone. As a result, the scammers or hackers can successfully break into the victim’s account.
Where are QR Code Scams Usually Found?
- In public parking locations
- At restaurants
- At cafes/shops
- At bill payment agents, etc.
Tips to Avoid the QR CodeFraud
When making transactions using QR codes, we need to be more careful and vigilant. Here are some tips for transactions with QR code scans, both for businesses and the customers.
1. Always Use QR code carefully
For businesses, make sure the QR code is placed around the cashier. This makes it easier for businesses to show the correct QR code to their customers. For buyers, this step also makes transactions much safer.
Always check the QR code before completing the transaction. If the site addresses looks suspicious, such as using .et instead of .com, immediately stop the activity and exit the site.
2. Only Use Secure Scanner Apps
Safe apps are more likely to warn you if the QR code you can is fake or suspicious. Choose a QR code scanning app carefully as there are some fake apps out there. Always choose an app from an authorised company downloaded from the Play Store or App Store to ensure it is safe.
Ignore if the scan results take you to a certain website or application. It could be a way for the scammers to steal your data. If you are prompted to install an application to get a discount or other promo, make sure you get the official app.
If you are at a restaurant or café, and there is a QR code on the table to access the menu, make sure when you scan you are directed to the official restaurant/café website.
3. Update Your Phone’s Security System
Update the security system on your mobile phone regularly. This security system can help you find out the malware detected on your phone.
Furthermore, the phone owners can also find out whether the app installed on their mobile phones are safe enough to use or not.
4. Monitor the Use of QR Codes(for Businesses)
Businesses need to ensure the use of QR codes in their business premises. Use CCTV to monitor everyone who uses the code for payment. With CCTV, businesses can also simultaneously monitor individuals who deliberately change the QR code at their place of business.
The next step is to check the QR code regularly. Make sure the QR code at your establishment is the original QR code and directs the transactions to the correct account. It is also recommended to reprint the QR code to ensure that the code used is correct.
5. Use Dynamic QR (for Payment)
For payment purposes, if possible, it is a good idea to request a dynamic QR code from the EDC machine. This dynamic QR code will make it easier for customers because all the data will immediately appear on the mobile screen. Customers no longer need to enter the amount when making transactions.
From the business side, this dynamic QR code will also make it easier to check and record transactions. The EDC machine will automatically print out a receipt after the transaction is complete.
If you are a BCA customer and detect anything suspicious or suspected fraud using QR codes, immediately contact Halo BCA at 1500888 or via the haloBCA app.
That concludes the information related to fraud using QR codes and how to avoid falling victim to it. Obtain more information related to the mode of crime at #AwasModus.