For several months, new measures have imposed reinforced authentication to carry out any online transaction.
The French must now validate their purchases via secure devices such as "Secur'Pass", "Digital Key", "Sécuripass", depending on the banks.
But these provisions do not discourage the most malicious crooks, who lack neither determination nor inventiveness, and proceed with another bank card scam using a well-oiled method.
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First, they call customers pretending to be their bank advisers.
They sometimes have the same telephone numbers as the latter, or very similar ones, thanks to computer software for electronic identity theft (spoofing technique).
On the phone, they pretend suspicious actions on behalf of future victims.
In order to "
regularize the emergency situation
", they ask the person to check if he is in possession of his bank card.
If so, they can ask him for the numbers on the card.
Some do not even need to go through this step: they have already obtained this information on the dark web.
They then encourage the victim to log into their secure banking application, then enter their usual payment code or fingerprint.
By entering this code or his fingerprint, the victim believes that he is canceling the operations in progress and securing his account.
In reality, she confirms a payment made with her bank card by her interlocutor on the phone.
"There is not much to do"
At that moment, the mistake is made, the damage is done. “
When the code is entered by the victim, she cannot be reimbursed. Because officially, it is she who made the payment
”tells us Matthieu Robin, project manager in the financial sector of the UFC-Que Choisir. Indeed, it is almost impossible to get reimbursed when you are a victim of this type of scam. Once the transaction is completed, Matthieu Robin recognizes it himself: “
there is not much to do
”. He adds, "
the crooks are attacking the last flaw, the last link in the chain that remains vulnerable: the human
."
Before the digital boom, advisors got to know their clients personally. Today, most of the procedures are done online or at a call center comprising several hundred or even several thousand advisers, each handling around one hundred calls per day. This anonymous and impersonal approach makes it easier for crooks.
In addition, these scam professionals have a well-honed discourse.
They are used to manipulating people and know how to be very persuasive.
It is easy to fall into their trap.
“
These people adopt the right tone, they are alarmist and at the same time reassuring.
They know how to put you in an emotional state that makes you want to react quickly.
And when it's a real voice that speaks to you, it's not the same, you have the impression that it's very real,
”insists Matthieu Robin, from UFC-Que Choisir.
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These bank card scams through secure applications affect people of all ages and all socio-professional categories.
The best way to fight them is prevention.
If such a case presents itself to you, be vigilant and do not panic at the supposed urgent nature of the situation.
Above all, be aware that your bank will never ask you to communicate your personal data by telephone.
If you have any doubts, contact her at her usual coordinates.