Voice Phishing
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Voice Phishing
Voice phishing, or vishing, is the use of telephony (often Voice over IP telephony) to conduct phishing attacks. Landline telephone services have traditionally been trustworthy; terminated in physical locations known to the telephone company, and associated with a bill-payer. Now however, vishing fraudsters often use modern Voice over IP (VoIP) features such as caller ID spoofing and automated systems (IVR) to impede detection by law enforcement agencies. Voice phishing is typically used to steal credit card numbers or other information used in identity theft schemes from individuals. Usually, voice phishing attacks are conducted using automated text-to-speech systems that direct a victim to call a number controlled by the attacker, however some use live callers. Posing as an employee of a legitimate body such as the bank, police, telephone or internet provider, the fraudster attempts to obtain personal details and financial information regarding credit card, bank accounts (e.g. th ...
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Voice Over IP
Voice over Internet Protocol (VoIP), also called IP telephony, is a method and group of technologies for the delivery of speech, voice communications and multimedia sessions over Internet Protocol (IP) networks, such as the Internet. The terms Internet telephony, broadband telephony, and broadband phone service specifically refer to the provisioning of communications services (voice, fax, Short Message Service, SMS, voice-messaging) over the Internet, rather than via the public switched telephone network (PSTN), also known as plain old telephone service (POTS). Overview The steps and principles involved in originating VoIP telephone calls are similar to traditional digital telephony and involve signaling, channel setup, digitization of the analog voice signals, and encoding. Instead of being transmitted over a circuit-switched network, the digital information is packetized and transmission occurs as IP packets over a packet-switched network. They transport media streams using spec ...
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Kinship
In anthropology, kinship is the web of social relationships that form an important part of the lives of all humans in all societies, although its exact meanings even within this discipline are often debated. Anthropologist Robin Fox says that the study of kinship is the study of what humans do with these basic facts of lifemating, gestation, parenthood, socialization, siblingship etc. Human society is unique, he argues, in that we are "working with the same raw material as exists in the animal world, but ecan conceptualize and categorize it to serve social ends." These social ends include the socialization of children and the formation of basic economic, political and religious groups. Kinship can refer both to the patterns of social relationships themselves, or it can refer to the study of the patterns of social relationships in one or more human cultures (i.e. kinship studies). Over its history, anthropology has developed a number of related concepts and terms in the study ...
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Fraud
In law, fraud is intentional deception to secure unfair or unlawful gain, or to deprive a victim of a legal right. Fraud can violate civil law (e.g., a fraud victim may sue the fraud perpetrator to avoid the fraud or recover monetary compensation) or criminal law (e.g., a fraud perpetrator may be prosecuted and imprisoned by governmental authorities), or it may cause no loss of money, property, or legal right but still be an element of another civil or criminal wrong. The purpose of fraud may be monetary gain or other benefits, for example by obtaining a passport, travel document, or driver's license, or mortgage fraud, where the perpetrator may attempt to qualify for a mortgage by way of false statements. Internal fraud, also known as "insider fraud", is fraud committed or attempted by someone within an organisation such as an employee. A hoax is a distinct concept that involves deliberate deception without the intention of gain or of materially damaging or depriving a vi ...
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VoIP Spam
VoIP spam or SPIT (spam over Internet telephony) is unsolicited, automatically dialed telephone calls, typically using voice over Internet Protocol (VoIP) technology. VoIP systems, like e-mail and other Internet applications, are susceptible to abuse by malicious parties who initiate unsolicited and unwanted communications, such as telemarketers and prank callers. VoIP calling rates are cheap, and the technology provides convenient, often free tools, such as Asterisk and other applications. The primary underlying technology driving this threat is the Session Initiation Protocol (SIP), which is a standard for VoIP telecommunications. Various techniques have been devised to detect spam calls; some take effect even before the recipient has answered a call to disconnect it. These techniques rely on statistical analysis of the features of the call, such as the originating IP address, or features of the signalling and media messages. Character VoIP spam is characterized as unsolicite ...
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Voice Cloning
Digital cloning is an emerging technology, that involves deep-learning algorithms, which allows one to manipulate currently existing Sound, audio, Photograph, photos, and videos that are hyper-realistic. One of the impacts of such technology is that hyper-realistic videos and photos makes it difficult for the human eye to distinguish what is real and what is fake. Furthermore, with various companies making such technologies available to the public, they can bring various benefits as well as potential legal and ethical concerns. Digital cloning can be categorized into audio-visual (AV), memory, personality, and consumer behaviour cloning. In AV cloning, the creation of a cloned digital version of the digital or non-digital original can be used, for example, to create a fake image, an avatar, or a fake video or Audio deepfake, audio of a person that cannot be easily differentiated from the real person it is purported to represent. A memory and personality clone like a mindclone is e ...
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SMiShing
Phishing is a type of social engineering where an attacker sends a fraudulent (e.g., spoofed, fake, or otherwise deceptive) message designed to trick a person into revealing sensitive information to the attacker or to deploy malicious software on the victim's infrastructure like ransomware. Phishing attacks have become increasingly sophisticated and often transparently mirror the site being targeted, allowing the attacker to observe everything while the victim is navigating the site, and transverse any additional security boundaries with the victim. As of 2020, phishing is by far the most common attack performed by cybercriminals, the FBI's Internet Crime Complaint Centre recording over twice as many incidents of phishing than any other type of computer crime. The first recorded use of the term "phishing" was in the cracking toolkit AOHell created by Koceilah Rekouche in 1995; however, it is possible that the term was used before this in a print edition of the hacker magazine ...
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Phone Fraud
Phone fraud, or more generally communications fraud, is the use of telecommunications products or services with the intention of illegally acquiring money from, or failing to pay, a Telephone company, telecommunication company or its customers. Many operators have increased measures to minimize fraud and reduce their losses. Communications operators tend to keep their actual loss figures and plans for corrective measures confidential. According to a 2011 survey by CFCA, an industry group created to reduce fraud against carriers, the five top fraud loss categories reported by operators were: * US$4.96 billion – compromised PBX/voicemail systems * $4.32 billion – subscription/identity theft * $3.84 billion – International Revenue Share Fraud * $2.88 billion – by-pass fraud * $2.40 billion – cash fraud Types of frauds Fraud against users by phone companies * ''Cramming (fraud), Cramming'' is the addition of charges to a subscriber's telephone bill for services which ...
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Nordea
Nordea Bank Abp, commonly referred to as Nordea, is a European financial services group operating in northern Europe and based in Helsinki, Finland. The name is a blend of the words "Nordic" and "idea". The bank is the result of the successive mergers and acquisitions of the Finnish, Swedish, Danish, and Norwegian banks of Merita Bank, Nordbanken, Unidanmark, and Christiania Bank og Kreditkasse that took place between 1997 and 2001. The Nordic countries are considered Nordea's home market, having finalised the sales of their Baltic operations in 2019. Nordea is listed on Nasdaq Nordic exchanges in Helsinki, Copenhagen, and Stockholm and Nordea ADR is listed in the US. Nordea serves 9.3 million private and 530,000 active corporate customers, including 2,650 large corporates and institutions. Nordea's credit portfolio is distributed across Finland (21%), Denmark (26%), Norway (21%), and Sweden (30%). There are four Business Areas (BAs) at Nordea, Personal Banking, Business Banking ...
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BankID
Bank-id (trademark ''BankID'') is by far the largest electronic identification system in Sweden, with a usage rate of 94% among smartphone users, and is administered by ''Finansiell ID-Teknik BID AB'' that is owned by several Swedish and Scandinavian banks. In March 2018, Bank-id had about 6.5 million active users and was supported by 600 web services. Only individuals with a Swedish personal identity number can acquire Bank-id. Bank-id has existed in following variations: * Bank-id on file (on computer) * Bank-id on card (connected to a token device) * Mobile Bank-id (mobile based solution) * Bank-id in mobile (a discontinued SIM card based solution) Example of usage areas are Swish payments, bank login, login to e-government, and access to medical records via Vårdguiden 1177. There is also a separate personal electronic identification service in Norway that goes by the name ''BankID'' developed and released by Norwegian banks in 2004, and while it functions similarly, it is ...
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Hollywood Con Queen Scam
The "Con Queen" scam is a long-running and elaborate scam perpetrated by the so-called Hollywood Con Queen, an Indonesian impostor named Hargobind Punjabi Tahilramani who was eventually found and arrested. The con, which was successfully operated for several years, targets entertainment industry gig workers, who travel to Indonesia believing that they have been recruited to work on the production of a film or television show. Background In the scam, gig workers in the entertainment industry are approached via phone or email by an individual claiming to be an executive, director, casting agent, or producer. The target of the scam is presented with an opportunity to work on a film or television project and is encouraged to travel to Jakarta, Indonesia to scout for locations and participate in meetings. When they arrive, the target is toured around various tourist destinations and cultural sites by a driver who speaks little English. Because of the heavy traffic in Jakarta, the targe ...
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COVID-19
Coronavirus disease 2019 (COVID-19) is a contagious disease caused by a virus, the severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2). The first known case was COVID-19 pandemic in Hubei, identified in Wuhan, China, in December 2019. The disease quickly spread worldwide, resulting in the COVID-19 pandemic. The symptoms of COVID‑19 are variable but often include fever, cough, headache, fatigue, breathing difficulties, Anosmia, loss of smell, and Ageusia, loss of taste. Symptoms may begin one to fourteen days incubation period, after exposure to the virus. At least a third of people who are infected Asymptomatic, do not develop noticeable symptoms. Of those who develop symptoms noticeable enough to be classified as patients, most (81%) develop mild to moderate symptoms (up to mild pneumonia), while 14% develop severe symptoms (dyspnea, Hypoxia (medical), hypoxia, or more than 50% lung involvement on imaging), and 5% develop critical symptoms (respiratory failure ...
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Natural Language Processing
Natural language processing (NLP) is an interdisciplinary subfield of linguistics, computer science, and artificial intelligence concerned with the interactions between computers and human language, in particular how to program computers to process and analyze large amounts of natural language data. The goal is a computer capable of "understanding" the contents of documents, including the contextual nuances of the language within them. The technology can then accurately extract information and insights contained in the documents as well as categorize and organize the documents themselves. Challenges in natural language processing frequently involve speech recognition, natural-language understanding, and natural-language generation. History Natural language processing has its roots in the 1950s. Already in 1950, Alan Turing published an article titled "Computing Machinery and Intelligence" which proposed what is now called the Turing test as a criterion of intelligence, t ...
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