Deepfake Alert: Sachin Tendulkar's Warning Against Technology Misuse

Executive Summary:

Recently, CyberPeace faced a case involving a fraudulent Android application imitating the Punjab National Bank (PNB). The victim was tricked into downloading an APK file named "PNB.apk" via WhatsApp. After the victim installed the apk file, it resulted in unauthorized multiple transactions on multiple credit cards.

Case Study: The Attack: Social Engineering Meets Malware

The incident started when the victim clicked on a Facebook ad for a PNB credit card. After submitting basic personal information, the victim receives a WhatsApp call from a profile displaying the PNB logo. The attacker, posing as a bank representative, fakes the benefits and features of the Credit Card and convinces the victim to install an application named PNB.apk.  The so called bank representative sent the app through WhatsApp, claiming it would expedite the credit card application. The application was installed in the mobile device as a customer care application. It asks for permissions such as  to send or view SMS messages. The application opens only if the user provides this permission. 

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It extracts the credit card details from the user such as Full Name, Mobile Number, complain, on further pages irrespective of  Refund, Pay or Other. On further processing, it asks for other information such as credit card number, expiry date and cvv number. 

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Now the scammer has access to all the details of the credit card information, access to read or view the sms to intercept OTPs. 

The victim, thinking they were securely navigating the official PNB website, was unaware that the malware was granting the hacker remote access to their phone. This led to ₹4 lakhs worth of 11 unauthorized transactions across three credit cards.

The Investigation & Analysis:

Upon receiving the case through CyberPeace helpline, the CyberPeace Research Team acted swiftly to neutralize the threat and secure the victim’s device. Using a secure remote access tool, we gained control of the phone with the victim’s consent. Our first step was identifying and removing the malicious "PNB.apk" file, ensuring no residual malware was left behind. 

Next, we implemented crucial cyber hygiene practices:

1. Revoking unnecessary permissions – to prevent further unauthorized access.
2. Running antivirus scans – to detect any remaining threats.
3. Clearing sensitive data caches – to remove stored credentials and tokens.

The CyberPeace Helpline team assisted the victim to report the fraud to the National Cybercrime Portal and helpline (1930) and promptly blocked the compromised credit cards.

The technical analysis for the app was taken ahead and by using the md5 hash file id. This app was marked as malware in virustotal and it has all the permissions such as Send/Receive/Read SMS, System Alert Window.  

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In the similar way, we have found another application in the name of “Axis Bank” which is circulated through whatsapp which is having similar permission access and the details found in virus total are as follows:

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Recommendations:

This case study implies the increasingly sophisticated methods used by cybercriminals, blending social engineering with advanced malware. Key lessons include:

• Be vigilant when downloading the applications, even if they appear to be from legitimate sources. It is advised to install any application after checking through an application store and not through any social media. 
• Always review app permissions before granting access.
• Verify the identity of anyone claiming to represent financial institutions.
• Use remote access tools responsibly for effective intervention during a cyber incident.

By acting quickly and following the proper protocols, we successfully secured the victim’s device and prevented further financial loss.

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Introduction

The scam involving "drugs in parcels' has resurfaced again with a new face. Cybercriminals impersonating and acting as FedEx, Police and various other authorities and in actuality, they are the perpetrators or bad actors behind the renewed "drugs in parcel" scam, which entails pressuring victims into sending money and divulging private information in order to escape fictitious legal repercussions. 

Modus operandi  

The modus operandi followed in this scam usually begins with a hacker calling someone on their cell phone posing as FedEx. They say that they are the recipients of a package under their name that includes illegal goods like jewellery, narcotics, or other items. The victim would feel afraid and apprehensive by now. Then there will be a video call with someone else who is posing as a police officer. The victim will be asked to keep the matter confidential while it is being investigated by this "fake officer."

After the call, they would get falsified paperwork from the CBI and RBI stating that an arrest warrant had been issued. Once the victim has fallen entirely under their sway, they would claim that the victim's Aadhaar has been used to carry out the unlawful conduct. They then request that the victim submit their bank account information and Aadhaar data for investigation. Subsequently, the hackers request that the victim transfer funds to a bank account for RBI validation. The victims thus submit money to the hackers believing it to be true for clearing their name.

Recent incidence:

In the most recent instance of a "drug-in-parcel" scam, an IT expert in Pune was defrauded of Rs 27.9 lakh by internet con artists acting as members of the Mumbai police's Cyber Crime Cell. The victim filed the First Information Report (FIR) in this matter at the police station. The victim stated that on November 11, 2023, the complainant received a call from a fraudster posing as a Mumbai police Cyber Crime Cell officer. The scammer falsely claimed to have discovered illegal narcotics in a package addressed to the complainant sent from Mumbai to Taiwan, along with an expired passport and an SBI card. To avoid arrest in a fabricated drug case, the fraudster coerced the complainant into providing bank account information under the guise of "verification." The victim, fearing legal consequences, transferred Rs 27,98,776 in ten online transactions to two separate bank accounts as instructed. Upon realizing the deception, the complainant reported the incident to the police, leading to an investigation.

In another such incident, the victim received an online bogus identity card from the scammers who had phoned him on the phone in October 2023. In an attempt to "clear the case" and issue a "no-objection certificate (NOC)," the fraudster persuaded the victim to wire money to a bank account, claiming to have seized narcotics in a shipment shipped from Mumbai to Thailand under his name. Fraudsters threatened to arrest the victim for mailing the narcotics package if money was not provided. 

Furthermore, In August 2023, fraudsters acting as police officers and executives of courier companies defrauded a 25-year-old advertising student of Rs 53 lakh. They extorted money from her under the guise of avoiding legal action, which would include arrest, and informed her that narcotics had been discovered in a package she had delivered to Taiwan. According to the police, callers acting as police officers threatened to arrest the girl and forced her to complete up to 34 transactions totalling Rs 53.63 lakh from her and her mother's bank accounts to different bank accounts.

Measures to protect oneself from such scams

Call Verification: 

• Be sure to always confirm the legitimacy of unexpected calls, particularly those purporting to be from law enforcement or delivery services. Make use of official contact information obtained from reliable sources to confirm the information presented.

Confidentiality:

• Use caution while disclosing personal information online or over the phone, particularly Aadhaar and bank account information. In general, legitimate authorities don't ask for private information in this way.

Official Documentation: 

• Request official documents via the appropriate means. Make sure that any documents—such as arrest warrants or other government documents—are authentic by getting in touch with the relevant authorities.

No Haste in Transactions: 

• Proceed with caution when responding hastily to requests for money or quick fixes. Creating a sense of urgency is a common tactic used by scammers to coerce victims into acting quickly.

Knowledge and Awareness: 

• Remain up to date on common fraud schemes and frauds. Keep up with the most recent strategies employed by online fraudsters to prevent falling for fresh scam iterations.

Report Suspicious Activity: 

• Notify the local police or other appropriate authorities of any suspicious calls or activities. Reports received in a timely manner can help investigations and shield others from falling for the same fraud.

2fA:

• Enable two-factor authentication (2FA) wherever you can to provide online accounts and transactions an additional degree of protection. This may lessen the chance of unwanted access.

Cybersecurity Software: 

• To defend against malware, phishing attempts, and other online risks, install and update reputable antivirus and anti-malware software on a regular basis.

Educate Friends and Family:

• Inform friends and family about typical scams and how to avoid falling victim to fraud. A safer online environment can be achieved through increased collective knowledge.

Be skeptical

• Whenever anything looks strange or too good to be true, it most often is. Trust your instincts. Prior to acting, follow your gut and confirm the information.

By taking these precautions and exercising caution, people may lessen their vulnerability to scams and safeguard their money and personal data from online fraudsters.

Conclusion:

Verifying calls, maintaining secrecy, checking official papers, transacting cautiously, and keeping up to date are all examples of protective measures for protecting ourselves from such scams. Using cybersecurity software, turning on two-factor authentication, and reporting suspicious activity are essential in stopping these types of frauds. Raising awareness and working together are essential to making the internet a safer place and resisting the activities of cybercriminals.

 References:

• https://indianexpress.com/article/cities/pune/pune-cybercrime-drug-in-parcel-cyber-scam-it-duping-9058298/#:~:text=In%20August%20this%20year%2C%20a,avoiding%20legal%20action%20including%20arrest.
• https://www.the420.in/pune-it-professional-duped-of-rs-27-9-lakh-in-drug-in-parcel-scam/
• https://www.newindianexpress.com/states/tamil-nadu/2023/oct/16/the-return-of-drugs-in-parcel-scam-2624323.html
• https://timesofindia.indiatimes.com/city/hyderabad/2-techies-fall-prey-to-drug-parcel-scam/articleshow/102786234.cms

Introduction

MEITY’s Indian Computer Emergency Response Team (CERT-In) in collaboration with SISA, a global leader in forensics-driven cyber security company, launched the ‘Certified Security Professional for Artificial Intelligence’ (CSPAI) program on 23rd September. This initiative marks the first of its kind ANAB-accredited AI security certification. The CSPAI also complements global AI governance efforts. International efforts like the OECD AI Principles and the European Union's AI Act, which aim to regulate AI technologies to ensure fairness, transparency, and accountability in AI systems are the sounding board for this initiative.

About the Initiative

The Certified Security Professional for Artificial Intelligence (CSPAI) is the world’s first ANAB-accredited certification program that focuses on Cyber Security for AI. The collaboration between CERT-In and SISA plays a pivotal role in shaping AI security policies. Such partnerships between the public and private players bridge the gap between government regulatory needs and the technological expertise of private players, creating comprehensive and enforceable AI security policies. The CSPAI has been specifically designed to integrate AI and GenAI into business applications while aligning security measures to meet the unique challenges that AI systems pose. The program emphasises the strategic application of Generative AI and Large Language Models in future AI deployments. It also highlights the significant advantages of integrating LLMs into business applications. 

The program is tailored for security professionals to understand the do’s and don’ts of AI integration into business applications, with a comprehensive focus on sustainable practices for securing AI-based applications. This is achieved through comprehensive risk identification and assessment frameworks recommended by ISO and NIST. The program also emphasises continuous assessment and conformance to AI laws across various nations, ensuring that AI applications adhere to standards for trustworthy and ethical AI practices.

Aim of the Initiative

As AI technology integrates itself to become an intrinsic part of business operations, a growing need for AI security expertise across industries is visible. Keeping this thought in the focal point, the accreditation program has been created to equip professionals with the knowledge and tools to secure AI systems. The CSPAI program aims to make a safer digital future while creating an environment that fosters innovation and responsibility in the evolving cybersecurity landscape focusing on Generative AI (GenAI) and Large Language Models (LLMs).

Conclusion

This Public-Private Partnership between the CERT-In and SISA, which led to the creation of the  Certified Security Professional for Artificial Intelligence (CSPAI) represents a groundbreaking initiative towards AI and its responsible usage. CSPAI can be seen as an initiative addressing the growing demand for cybersecurity expertise in AI technologies. As AI becomes more embedded in business operations, the program aims to equip security professionals with the knowledge to assess, manage, and mitigate risks associated with AI applications. CSPAI as a programme aims to promote trustworthy and ethical AI usage by aligning with frameworks from ISO and NIST and ensuring adherence to AI laws globally. The approach is a significant step towards creating a safer digital ecosystem while fostering responsible AI innovation. This certification will significantly impact the healthcare, finance, and defence sectors, where AI is rapidly becoming indispensable. By ensuring that AI applications meet the requirements of security and ethical standards in these sectors, CSPAI can help build public trust and encourage broader AI adoption.

References

• https://pib.gov.in/PressReleasePage.aspx?PRID=2057868 
• https://www.sisainfosec.com/training/payment-data-security-programs/cspai/ 
• https://timesofindia.indiatimes.com/business/india-business/cert-in-and-sisa-launch-ai-security-certification-program-to-integrate-ai-into-business-applications/articleshow/113622067.cms 

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