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Digital payment safety rules


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These last few weeks have been amongst the most harrowing, painful, frustrating and desperate for all of us in India and the world. Companies will do everything in their power to make this most difficult of times a little easier to bear. One such area I am focusing on to help you is Cyber fraud. With the growing second wave of the pandemic and lock downs in various parts of the country, there has been a massive increase in online transactions. Unfortunately, there has also been a corresponding increase in Cyber fraud. I would like to warn you of the kinds of fraud that you could likely face and also introduce an industry first feature that Airtel have developed so that you can make online transactions completely securely, without the fear of being duped by a fraudster.

First to the frauds that are being perpetrated these days. There are likely to be two ways in which these fraudsters operate:

Common instances of fraudsters calling customers pretending to be Airtel employees and duping them. If this happens to you, please immediately call 121. These include:

EKYC: The fraudster, claiming to be from Airtel, calls or sends an SMS to the customer regarding an incomplete Know Your Customer (KYC) form. He / she requests the customer to install the “Airtel Quick Support” app from the Google Play store to allow him to help. Since no such app exists on the play store, when the customer tries to install it, he / she is redirected to TeamViewer Quick Support App. The TeamViewer Quick Support app allows the fraudster to remotely take control over the device and accounts associated with the device. And so, if the customer does install it, they allow the fraudster into all their accounts connected to the device.

VIP Numbers: The fraudster calls or sends an SMS to the customer claiming to be from Airtel and promises highly discounted VIP numbers. As a part of the transaction, the fraudster requests a prepayment as a token / booking amount. Post receiving these funds, the fraudster ceases all contact with the person and becomes untraceable.

Please note that mobile companies do not sell VIP numbers on the phone and will never ask you to download any third-party apps. In both instances, please immediately call 121 to confirm. In fact, I would say when in doubt simply call 121.

Cyber frauds related to digital payments: Due to the increase in digital payments, cyber frauds related to payments are also increasing. These take two forms:

OTP – The fraudster calls the customer claiming to be from a bank / financial institution and asks for account details or an OTP to unblock / renew the existing bank account. The details are used to withdraw money from the customer’s bank account.

UPI Collect – The fraudster calls the customer pretending to buy a second-hand listed product from the website, negotiates the price and asks for the customer’s UPI details to transfer money to the customer’s account. On the customer providing the account, an SMS link is sent to the customer’s phone to approve the transaction which debits the money from the account instead of crediting.

The union government has already extended the last date of eKYC feature, which was troubling many account holders.

My suggestion is do not lift cellphone from unknown number. Be safe, stay at home and be digitally safe.

Rajiv Saxena
Rajiv Saxena
Rajiv Prakash Saxena is a graduate of UBC, Vancouver, Canada. He is an authority on eCommerce, eProcurement, eSign, DSCs and Internet Security. He has been a Technology Bureaucrat and Thought leader in the Government. He has 8 books and few UN assignments. He wrote IT Policies of Colombia and has implemented projects in Jordan, Rwanda, Nepal and Mauritius. Rajiv writes, speaks, mentors on technology issues in Express Computers, ET, National frontier and TV debates. He worked and guided the following divisions: Computer Aided Design (CAD), UP: MP: Maharashtra and Haryana State Coordinator to setup NICNET in their respective Districts of the State, TradeNIC, wherein a CD containing list of 1,00,000 exporters was cut with a search engine and distributed to all Indian Embassies and High Commissions way back in the year 1997 (It was an initiative between NIC and MEA Trade Division headed by Ms. Sujatha Singh, IFS, India’s Ex Foreign Secretary), Law Commission, Ministry of Law & Justice, Department of Legal Affairs, Department of Justice, Ministry of Urban Development (MoUD), Ministry of Housing & Urban Poverty Alleviation (MoHUPA), National Jail Project, National Human Rights Commission (NHRC), National Commission for Minorities (NCM), National Data Centres (NDC), NIC National Infrastructure, Certifying Authority (CA) to issue Digital Signature Certificates (DSCs), eProcurement, Ministry of Parliamentary Affairs (MPA), Lok Sabha and its Secretariat (LSS) and Rajya Sabha and its Secretariat (RSS) along with their subordinate and attached offices like Directorate of Estate (DoE), Land & Development Office (L&DO), National Building Construction Corporation (NBCC), Central Public Works Department (CPWD), National Capital Regional Planning Board (NCRPB), Housing & Urban Development Corporation (HUDO), National Building Organisation (NBO), Delhi Development Authority (DDA), BMPTC and many others.


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