Scammers use many methods to attack people. However, you can stay safe in the cyber world if you keep a few things in mind. Many cases of fraud through IVR (Interactive Voice Response) calls have recently come to light. In such cases, you usually receive a call.
This call contains a prerecorded message. Fraud calls often say that there is an outstanding amount of money on your credit card or that a transaction has been made through your card. If you have not made this payment, press 2. If a person falls into the trap of scammers, then the real game of fraud begins.
Let’s take a deeper look at fraud, but the first challenge is that many of those calls also come from the bank. If you make any important transaction online, you will also receive calls from the bank. The bank wants to confirm whether this transaction was made by you or someone else.
How can you identify fake IVR calls?
The question arises how to understand the difference between a banking call and a fraudulent IVR. First of all, understand that the call coming from the bank will not be from any mobile number. Calls coming from the bank are from numbers similar to landlines, which come with the prefix 160 or the prefix of that area code.
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In most cases of fraudulent IVR calls, these numbers have been found to belong to the normal mobile number series. That is, since our mobile number is yours, you must be careful with IVR calls coming from that number.
Apart from this, the bank does not ask for your personal details. That means the bank does not ask for your Aadhar, PAN card, bank account or credit card details. If someone asks you for such details, you should not provide them with any of your information. Because of this, you may be deceived.
How do scammers catch you?
Scammers who make these types of calls use a voice phishing scam. In this, a pre-recorded message will play, which sounds completely like a real call. Suppose you have not applied for any loan or made any transaction through credit card, then you will choose “No” option in response to this IVR call.
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After this, scammers may ask you for personal information. Just as you will have to provide your card details, so you can check how this transaction was carried out. If you share your card details, your savings can be looted.
There are many AI-based tools used for voice cloning in IVR calls. Due to Artificial Intelligence, it appears that the voice you are hearing is that of an officer. This work happens in real time and is not even fully recorded.
Voice cloning is becoming a big challenge
Due to voice cloning, common people cannot understand that the caller is a real scammer. By cloning the voice, they add the tone of a police officer or police officer. Not only this, with the help of Artificial Intelligence, during the call, personal information about the victim is shared which surprises them.
However, for this, scammers spend a lot of time doing social engineering and Reiki to understand the victim and also predict the victim’s pattern through artificial intelligence.
How can you escape?
- First of all you must pay attention to the numbers. You should see what type of number these calls are coming from.
- For better protection, you can use apps like Truecaller, which give you detailed information about the identity of a number.
- Even if you answer a fake IVR call, you should not share your personal details.
- Keep in mind that the bank does not ask for your personal information. In such a situation, you should not give your personal information in any unknown call.
- If the caller is scaring you and creating a situation that you don’t have time to think about, then don’t share any details about that call.
- Always use only official apps for banking services and financial transactions.
- You can check your customer care number on the bank’s website. Do not directly search for customer service numbers on the Internet. Scammers circulate incorrect numbers on the Internet through many fake websites.
- Always pay attention to the bank’s URL. To defraud people, scammers create fake websites that look like banks, whose spelling will be similar to the name of the bank.
- Airtel has recently prepared a calling system by applying Artificial Intelligence and Machine Learning. According to this, millions of calls are filtered every day. Airtel users receive the suspected spam and promotional call tag when they receive a promotional or spam call. Seeing this, users can block or disconnect calls.
