Alert! Purina’s Emerging Threat: Cloning Biometrics for Bank Fraud
Introduction
In the age of advanced technology, Cyber threats continue to grow, and so are the cyber hubs. A new name has been added to the cyber hub, Purnia, a city in India, is now evolving as a new and alarming menace-biometric cloning and financial crimes. This emerging cyber threat involves replicating an individual’s biometric data, such as fingerprint or facial recognition, to gain unauthorised access to their bank accounts and carry out fraudulent activities. In this blog, we will have a look at the methods employed, the impact on individuals and institutions, and the necessary steps to mitigate the risk.
The Backdrop
Purnia, a bustling city in the state of Bihar, India, is known for its rich cultural heritage, However, underneath its bright appearance comes a hidden danger—a rising cyber threat with the potential to devastate its citizens’ financial security. Purnia has seen the growth of a dangerous trend in recent years, such as biometric cloning for financial crimes, after several FIRs were registered with Kasba and Amaur police stations. The Police came into action and started an investigation.
Modus Operandi unveiled
The modus Operandi of cyber criminals includes hacking into databases, intercepting data during transactions, or even physically obtaining fingerprints of facial images from objects or surfaces. Let’s understand how they gathered all this data and why Bihar was not targeted.
These criminals are way smart they operate in the three states. They targeted and have open access to obtain registry and agreement paperwork from official websites, albeit it is not available online in Bihar. As a result, the scam was conducted in other states rather than Bihar; further, the fraudsters were involved in downloading the fingerprints, biometrics, and Aadhaar numbers of buyers and sellers from the property registration documents of Andhra Pradesh, Haryana, and Telangana.
After Cloning fingerprints, the fraudster withdrew money after linking with Aadhaar Enabled Payment System (AEPS) from various bank accounts. The fraudsters stamped the fingerprint on rubber trace paper and utilised a polymer stamp machine and heating at a specific temperature with a chemical to make duplicate fingerprints used in unlawful financial transactions from several consumers’ bank accounts.
Investigation Insight
After the breakthrough, the police teams recovered a large number of smartphones, ATM cards, rubber stamps of fingerprints, Aadhar numbers, scanners, Stamp machines, laptops, and chemicals, and along with this, 17 people were arrested.
During the investigation, it was found that the cybercriminals employ Sophisticated money laundering techniques to obscure the illicit origins of the stolen funds. The fraudsters transfer money into various /multiple accounts or use cryptocurrency. Using these tactics makes it more challenging for authorities to trace back money and get it back.
Impact of biometric Cloning scam
The Biometric scam has far-reaching implications both for society, Individuals, and institutions. These kinds of scams cause financial losses and create emotional breakdowns, including anger, anxiety, and a sense of violation. This also broke the trust in a digital system.
It also seriously impacts institutions. Biometric cloning frauds may potentially cause severe reputational harm to financial institutions and organisations. When clients fall prey to such frauds, it erodes faith in the institution’s security procedures, potentially leading to customer loss and a tarnished reputation. Institutions may suffer legal and regulatory consequences, and they must invest money in investigating the incident, paying victims, and improving their security systems to prevent similar instances.
Raising Awareness
Empowering Purnia Residents to Protect Themselves from Biometric Fraud: Purnia must provide its inhabitants with knowledge and techniques to protect their personal information as it deals with the increasing issue of biometric fraud. Individuals may defend themselves from falling prey to these frauds by increasing awareness about biometric fraud and encouraging recommended practices. This blog will discuss the necessity of increasing awareness and present practical recommendations to help Purnia prevent biometric fraud. Here are some tips that one can follow;
- Securing personal Biometric data: It is crucial to safeguard personal biometric data. Individuals should be urged to secure their fingerprints, face scans, and other biometric information in the same way that they protect their passwords or PINs. It is critical to ensure that biometric data is safely maintained and shared with only trustworthy organisations with strong security procedures in place.
- Verifying Service providers: Residents should be vigilant while submitting biometric data to service providers, particularly those providing financial services. Before disclosing any sensitive information, it is important to undertake due diligence and establish the validity and reliability of the organisation. Checking for relevant certificates, reading reviews, and getting recommendations can assist people in making educated judgments and avoiding unscrupulous companies.
- Personal Cybersecurity: Individuals should implement robust cybersecurity practices to reduce the danger of biometric fraud. This includes using difficult and unique passwords, activating two-factor authentication, upgrading software and programs on a regular basis, and being wary of phishing efforts. Individuals should also refrain from providing personal information or biometric data via unprotected networks or through untrustworthy sources.
- Educating the Elderly and Vulnerable Groups: Special attention should be given to educating the elderly and other vulnerable groups who may be more prone to scams. Awareness campaigns may be modified to their individual requirements, emphasising the significance of digital identities, recognising possible risks, and seeking help from reliable sources when in doubt. Empowering these populations with knowledge can help keep them safe from biometric fraud.
Measures to Stay Ahead
As biometric fraud is a growing concern, staying a step ahead is essential. By following these simple steps, one can safeguard themselves.
- Multi-factor Authentication: MFA is one of the best methods for security. MFA creates multi-layer security or extra-layer security against unauthorised access. MFA incorporates a biometric scan and a password.
- Biometric Encryption: Biometric encryption securely stores and transmits biometric data. Rather than keeping raw biometric data, encryption methods transform it into mathematical templates that cannot be reverse-engineered. These templates are utilised for authentication, guaranteeing that the original biometric information is not compromised even if the encrypted data is.
- AI and Machine Learning (ML): AI and ML technologies are critical in detecting and combating biometric fraud. These systems can analyse massive volumes of data in real-time, discover trends, and detect abnormalities. Biometric systems may continually adapt and enhance accuracy by employing AI and ML algorithms, boosting their capacity to distinguish between legitimate users and fraudulent efforts.
Conclusion
The Biometric fraud call needs immediate attention to protect the bankers from the potential consequences. By creating awareness, we can save ourselves; additionally, by working together, we can create a safer digital environment. The use of biometric verification was inculcated to increase factor authentication for a banker. However, we see that the bad actors have already started to bypass the tech and even wreak havoc upon the netizens by draining their accounts of their hard-earned money. The banks and the cyber cells nationwide need to work together in synergy to increase awareness and safety mechanisms to prevent such cyber crimes and create effective and efficient redressal mechanisms for the citizens.
Reference
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Claims:
A viral photo of Rowan Atkinson aka Mr. Bean, lying on a bed in sick condition.
Fact Check:
When we received the posts, we first did some keyword search based on the claim made, but no such posts were found to support the claim made.Though, we found an interview video where it was seen Mr. Bean attending F1 Race on July 7, 2024.
Then we reverse searched the viral image and found a news report that looked similar to the viral photo of Mr. Bean, the T-Shirt seems to be similar in both the images.
The man in this photo is Barry Balderstone who was a civil engineer from Bollington, England, died in October 2019 due to advanced Parkinson’s disease. Barry received many illnesses according to the news report and his application for extensive healthcare reimbursement was rejected by the East Cheshire Clinical Commissioning Group.
Taking a cue from this, we then analyzed the image in an AI Image detection tool named, TrueMedia. The detection tool found the image to be AI manipulated. The original image is manipulated by replacing the face with Rowan Atkinson aka Mr. Bean.
Hence, it is clear that the viral claimed image of Rowan Atkinson bedridden is fake and misleading. Netizens should verify before sharing anything on the internet.
Conclusion:
Therefore, it can be summarized that the photo claiming Rowan Atkinson in a sick state is fake and has been manipulated with another man’s image. The original photo features Barry Balderstone, the man who was diagnosed with stage 4 Parkinson’s disease and subsequently died in 2019. In fact, Rowan Atkinson seemed perfectly healthy recently at the 2024 British Grand Prix. It is important for people to check on the authenticity before sharing so as to avoid the spreading of misinformation.
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- Fact Check: Fake & Misleading
Introduction
According to a draft of the Digital Personal Data Protection Bill, 2023, the Indian government may have the authority to reduce the age at which users can agree to data processing to 14 years. Companies requesting consent to process children’s data, on the other hand, must demonstrate that the information is handled in a “verifiably safe” manner.
The Central Government might change the age limit for consent
The proposed Digital Personal Data Protection Bill 2022 in India attempts to protect child’s personal data under the age of 14 through several provisions. The proposed lower age of consent in India under the Digital Personal Data Protection Bill 2022 is to loosen relevant norms and fulfil the demands of Internet corporations. After a year, the government may reconsider the definition of a child with the goal of expanding coverage to children under the age of 14. The proposed shift in the age of consent has elicited varied views, with some experts suggesting that it might potentially expose children to data processing concerns.
The definition of a child is understood to have been amended in the data protection Bill, which is anticipated to be submitted in Parliament’s Monsoon session, to an “individual who has not completed the age of eighteen years or such lower age as the central government may notify.” A child was defined as an “individual who has not completed eighteen years of age” in the 2022 draft.
Under deemed consent, the government has also added the 'legitimate business interest' clause
This clause allows businesses to process personal data without obtaining explicit consent if it is required for their legitimate business interests. The measure recognises that corporations have legitimate objectives, such as innovation, that can be pursued without jeopardising privacy.
Change in Data Protection Boards
The Digital Personal Data Protection Bill 2022, India’s new plan to secure personal data, represents a significant shift in strategy by emphasising outcomes rather than legislative compliance. This amendment will strengthen the Data Protection Board’s position, as its judgments on noncompliance complaints will establish India’s first systematic jurisprudence on data protection. The Cabinet has approved the bill and may be introduced in Parliament in the Monsoon session starting on July 20.
The draft law leaves the selection of the Data Protection Board’s chairperson and members solely to the discretion of the central government, making it a central government set-up board. The government retains control over the board’s composition, terms of service, and so on. The bill does specify, however, that the Data Protection Board would be completely independent and will have a strictly adjudicatory procedure to adjudicate data breaches. It has the same status as a civil court, and its rulings can be appealed.
India's first regulatory body in Charge of preserving privacy
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Conclusion
The Digital Personal Data Protection Bill 2022 is a much-needed piece of legislation that will replace India’s current data protection regime and assist in preserving individuals’ rights. Central Government is looking for a change in the age for consent from 18 to 14 years. The bill underlines the need for verifiable parental consent before processing a child’s personal data, including those under 18. This section seeks to ensure that parents or legal guardians have a say in the processing of their child’s personal data.
Executive Summary:
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Claims:
A viral image claiming to be US President Joe Biden wearing a military outfit during a meeting with military officials has been created using artificial intelligence. This picture is being shared on social media with the false claim that it is of President Biden convening to authorize the use of the US military in the Middle East.
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Fact Check:
CyberPeace Research Team discovered that the photo of US President Joe Biden in a military uniform at a meeting with military officials was made using generative-AI and is not authentic. There are some obvious visual differences that plainly suggest this is an AI-generated shot.
Firstly, the eyes of US President Joe Biden are full black, secondly the military officials face is blended, thirdly the phone is standing without any support.
We then put the image in Image AI Detection tool
The tool predicted 4% human and 96% AI, Which tells that it’s a deep fake content.
Let’s do it with another tool named Hive Detector.
Hive Detector predicted to be as 100% AI Detected, Which likely to be a Deep Fake Content.
Conclusion:
Thus, the growth of AI-produced content is a challenge in determining fact from fiction, particularly in the sphere of social media. In the case of the fake photo supposedly showing President Joe Biden, the need for critical thinking and verification of information online is emphasized. With technology constantly evolving, it is of great importance that people be watchful and use verified sources to fight the spread of disinformation. Furthermore, initiatives to make people aware of the existence and impact of AI-produced content should be undertaken in order to promote a more aware and digitally literate society.
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