#FactCheck: Beware of Fake Emails Distributing Fraudulent e-PAN Cards

Introduction

In today's digital age protecting your personal information is of utmost importance. The bad actors are constantly on the lookout for ways to misuse your sensitive or personal data. The Aadhaar card is a crucial document that is utilised by all of us for various aspects. It is considered your official government-verified ID and is used for various purposes such as for verification purposes, KYC purposes, and even for financial transactions. Your Aadhaar card is used in so many ways such as flight tickets booked by travel agents, check-in in hotels, verification at educational institutions and more. The bad actors can target and lure the victims by unauthorized access to your Aadhaar data and commit cyber frauds such as identity theft, unauthorized access, and financial fraud. Hence it is significantly important to protect your personal information and Aadhaar card details and prevent the misuse of your personal information.

What is fingerprint cloning?

Cybercrooks have been exploiting the Aadhaar Enabled Payment System (AePS). These scams entail cloning individuals' Aadhaar-linked biometrics through silicon fingerprints and unauthorized biometric devices, subsequently siphoning money from their bank accounts. Fingerprint cloning also known as fingerprint spoofing is a technique or a method where an individual tries to replicate someone else's fingerprint for unauthorized use. This is done for various reasons, including gaining unauthorized access to data, unlocking data or committing identity theft. The process of fingerprint cloning includes collection and creation.

The recent case of Aadhaar Card fingerprint cloning in Nawada

Nawada Cyber Police unit has arrested two perpetrators who were engaged in fingerprint cloning fraud.  The criminals are accused of duping consumers of money from their bank accounts by cloning their fingerprints. Among the two perpetrators, one of them runs the Common Service Centre (CSC) whereas the second is a sweeper at the DBGB branch bank. The criminals are accused of duping consumers of money from their bank accounts by cloning their fingerprints. According to the police, an organized gang of cyber criminals had been defrauding the consumers for the last two years with the help of a CSC operator and were embezzling money from the accounts of consumers by cloning their fingerprints and taking Aadhaar numbers. The operator used to collect the Aadhaar number from the consumers by putting their thumb impression on a register. Among these two perpetrators, one was accused of withdrawing more money from the consumer's account and making less payment and sometimes not making the payment after withdrawing the money. Whereas the second perpetrator stole the data of consumers from the DBGB branch bank and prepared their fingerprint clone. During the investigation of a case related to fraud, the Special Investigation Team (SIT) of Cyber ​​Police conducted raids in Govindpur and Roh police station areas on the basis of technical surveillance and available evidence and arrested them. 

Safety measures for the security of your Aadhaar Card data

• Locking your biometrics: One way to save your Aadhaar card and prevent unauthorized access is by locking your biometrics. To lock & unlock your Aadhaar biometrics you can visit the official website of UIDAI or its official portal. So go to UIDAI’s and select the “Lock/Unlock Biometrics” from the Aadhar service section. Then enter the 12-digit Aadhaar number and security code and click on the OTP option.  An OTP will be sent to your registered mobile number with Aadhaar.  Once the OTP is received enter the OTP and click on the login button that will allow you to lock your biometrics.  Enter the 4-digit security code mentioned on the screen and click on the “Enable” button. Your biometrics will be locked and you will have to unblock them in case you want to access them again. The official website of UIDAI is “https://uidai.gov.in/” and there is a dedicated Aadhar helpline 1947. 
• Use masked Aadhaar Card: A masked Aadhaar card is a different rendition of an Aadhaar card that is designed to amplify the privacy and security of an individual Aadhaar number.  In a masked Aadhaar card, the first eight digits of the twelve digits Aadhaar number are replaced by XXXX- XXXX and only the last four digits are visible.  This adds an additional layer of protection to an individual Aadhaar’s number. To download a masked Aadhaar card you visit the government website of UIDAI and on the UIDAI homepage, you will see a "Download Aadhaar" option. Click on it.  In the next step, you will be required to enter your 12-digit Aadhaar number along with the security code displayed on the screen.  After entering your Aadhaar number, click on the Send OTP. You will receive an OTP on your registered phone number. Enter the OTP received in the provided field and click on the “Submit” button.  You will be asked to select the format of your Aadhaar card, You can choose the masked Aadhaar card option. This will replace the first eight digits of your Aadhaar number with "XXXX-XXXX" on the downloaded Aadhaar card. Once the format is selected, click on the “Download Aadhaar” button and your masked Aadhaar card will be downloaded. So if any organisation requires your Aadhaar for verification you can share your masked Aadhar card which only shows the last 4 digits of your Aadhaar card number. Just the way you keep your bank details safe you should also keep your Aadhaar number secure otherwise people can misuse your identity and use it for fraud. 
• Monitoring your bank account transactions: Regularly monitor your bank account statements for any suspicious activity and you can also configure transaction alerts with your bank account transactions.

Conclusion: 

It is important to secure your Aadhaar card data effectively. The valuable security measure option of locking biometrics provides an additional layer of security. It safeguards your identity from potential scammers. By locking your biometrics you can secure your biometric data and other personal information preventing unauthorized access and any misuse of your Aadhaar card data. In today's evolving digital landscape protecting your personal information is of utmost importance. The cyber hygiene practices, safety and security measures must be adopted by all of us hence establishing cyber peace and harmonizing cyberspace. 

References:

• https://www.livehindustan.com/bihar/story-cyber-crime-csc-operator-and-bank-sweeper-arrested-in-nawada-cheating-by-cloning-finger-prints-8913667.html
• https://www.indiatoday.in/news-analysis/story/cloning-fingerprints-fake-shell-entities-is-your-aadhaar-as-safe-as-you-may-think-2398596-2023-06-27

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Introduction

We are living in the digital age, where from ordering food to floating into a relationship everything is preferred to be digitized. It has been quite evident that in the past few years, online dating has become immensely popular due to its potential success stories. Since it has become a medium to find potential partners. Among the string of successes and pros of online dating, there seems to be a corner which is curtained that contains scams and treachery. A very recent case in Delhi puts light into the dark side of online dating where a 25-year-old journalist was trapped in an online dating scam. It portrays the threat of meeting an unknown person through an online dating app and how a person gets involved in the vicious cycle. Since the concept of online dating is all about meeting a new person and getting indulged. This incident talks about a man who met a woman through a dating app Bumble and got scammed for Rs 15000.

Unveiling the scam

It started like a fairy tale where a 25-year-old Delhi resident met with a girl on a dating app Bumble, where they spoke and found each other compatible. Followed by it the girl approaches the boy to meet at a specific restaurant situated in Delhi. The boy was away from the idea that the first meetup would turn into a nightmare which horrifying experience he would share on social media. It is not only about the financial loss but also about the emotional distress one goes through. Every coin has two sides and when surfing in the digital world one needs to keep in mind that along with the pros, there are certain cons. In the eagerness to meet someone, we should not lose our presence of mind. Continuing the incident once both reached the specified restaurant the girl made an order of various food items including beverages, shots of vodka, glasses of wine, different cuisines and hookah. Which not so surprisingly culminated in an inflated bill of Rs 15,886. After paying the hefty amount the boy went to the washroom once he came back the bill vanished followed by the girl being eager to leave the place. Till that very moment, the victim was in his dreamland where he did not get the hint that he had been scammed. Once he reached home and tried contacting the lady her account was deleted from the platform and was not reachable through calls. This incident shook the victim and pushed him to melancholy. Since he did not expect this to happen. Devastated by the fraud and treachery the man wrote about his disappointing experience on his Twitter handle addressing Delhi police to look into this.

It has been brought to the notice that similar incidents have been reported in the past as well. The trend remains the same in which the culprit insists the victim meet at a specific location decided by them, it is done with such conviction that it becomes difficult for the victim to deny. Once they accept to meet in the decided location it is followed by making the victim order expensive food and alcohol and at the time of payment giving excuses or pretending to pay. Once the payment is done the culprit rushes to leave the location or disappears without any head up. Not to be perplexed once they leave they will not leave any trace of them.

How to stay safe in the online dating world?

Online dating can bring butterflies in the stomach, and indeed it is a beautiful experience to meet someone new and fall in love but with this beauty, there comes the baggage of falling into the trap of cyber scams. While surfing online dating sites one needs to be very careful and vigilant since the highlighted incidents are relevant enough to showcase the negative impact on it.

Best practices

• Use reliable platforms:  With the growing digitalization, there are infinite platforms available for online dating. But here is the catch one needs to be very finicky in choosing an appropriate platform among the countless options. It is best to use authentic platforms or apps and read reviews and ratings before installing any such applications or platforms.
• Cross-verify the profiles:  Once you receive a profile compatible enough to talk about it is recommended to have elaborative conversations. It is not about doubting someone but being calculative and cross-checking all the information given. Before meeting the person it is best to have a detailed conversation but not reveal much about you.
• Have control in your pocket: When it comes to paying the bill be proactive in dividing the bill. It is advisable to do so that the liability of paying a hefty bill does not come from one party. This will make sure that even if one of the people has the intention to exploit the other person they will become alarmed. 
• Go with the flow: Since meeting an unknown person is all flowery and spontaneous, it is also good to follow your instinct and go with the flow if you find anything weird during the conversation or while in person. It is advisable to back off or to leave the place as soon as possible.
• Be cautious in sharing your personal information with strangers: While conversing with an unknown person online, it is very important to keep a hold on our emotions and not share any personal information which can be misused by cyber crooks. Also, it is very important that we do not discuss anything about our financial capabilities and transactions.  It is imperative to note that cyber crooks exploit the many new ways to commit online fraud by targeting innocent individuals. 
• Catching up in public places: When meeting for the first time it is advisable to meet a person in a public place such as a park, museums etc. It is the best way to avoid going to a place decided or being insisted. Since meeting in a public place gives a sense of security that people are around you.
• Keep your near people in Loop: No matter how private you are while meeting an unknown person keep your friends and near one aware of it. 

What to do if you fall into such dating scams

1. While one can be emotionally drained, it is very important to keep track of all the information shared, save all your messages, take pictures of the scammer's profile and document every small detail which can be relevant.
2. Report on the platform:  There would be a section called “Contact us” or “Report” on the platform where you can report against the scammer.  Most dating apps have this section where you can mention your issue so that they can take action against such profiles.
3. National Cyber Crime Reporting Portal, 1930 Helpline: The Cybercrime reporting portal http://www.cybercrime.gov.in/ equipped with 24x7 helpline 1930 is a powerful resource available to the victims of cybercrimes to report their cases. 

Conclusion

Online dating can become the gush of winds for someone but it is very important to keep in mind that with the potential of falling in love, there comes a threat of being trapped and getting into cyber frauds or scams. So many cases are being reported, and the recent case also highlights that not everyone on online sites is genuine. So be aware of such scams and stay informed and safe in the evolving digital environment. 

References

• https://www.moneycontrol.com/news/trends/delhi-cafes-hiring-girls-to-scam-customers-says-bumble-user-conned-out-of-rs-15000-11724701.html
• https://www.ndtv.com/delhi-news/delhi-man-falls-victim-to-scam-as-bumble-date-costs-him-15-000-4566680/amp/1
• https://services.india.gov.in/service/detail/national-cyber-crime-reporting-portal#:~:text=This%20portal%20is%20an%20initiative,crimes%20against%20women%20and%20children.

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Introduction: 

The G7 Summit is an international forum that includes member states from France, the United States, the United Kingdom, Germany, Japan, Italy, Canada and the European Union (EU). The annual G7 meeting that is held every year was hosted by Japan this year in May 2023. It took place in Hiroshima. Artificial Intelligence (AI) was the major theme of this G7 summit. Key takeaways from this G7 summit highlight that leaders together focused on escalating the adoption of AI for beneficial use cases across the economy and the government and improving the governing structure to mitigate the potential risks of AI. 

Need for fair and responsible use of AI:

The G7 recognises that they really need to work together to ensure the responsible and fair use of AI to help establish technical standards for the same. Members of the G7 countries agreed to adopt an open and enabling environment for the development of AI technologies.  They also emphasized that AI regulations should be based on democratic values. G7 summit calls for the responsible use of AI. The ministers discussed the risks involved in AI technology programs like ChatGPT. They came up with an action plan for promoting responsible use of AI with human beings leading the efforts. 

Further Ministers from the Group of Seven (G7) countries (Canada, France, Germany, Italy, Japan, the UK, the US, and the EU) met virtually on 7 September 2023 and committed to creating ‘international guiding principles applicable for all AI actors’, and a code of conduct for organisations developing ‘advanced’ AI systems. 

What is HAP (Hiroshima AI Process)

Hiroshima AI Process (HAP) aims to establish trustworthy AI technical standards at the international level. The G7 agreed on creating a ministerial forum to prompt the fair use of AI. Hiroshima AI Process (HAP) is an effort by G7 to determine a way forward to regulate AI. The HAP establishes a forum for international discussions on inclusive AI governance and interoperability to achieve a common vision and goal of trustworthy AI at the global level.

The HAP will be operating in close connection with organisations including the Organisation for Economic Co-operation and Development (OECD) and the Global Partnership on AI (GPAI).

This Hiroshima AI Process (HAP) initiated at the Annual G7 Summit held in Hiroshima, Japan is a significant step towards regulating AI and the Hiroshima AI Process (HAP) is likely to conclude by December 2023.

G7 leaders emphasized fostering an environment where trustworthy AI systems are designed, developed and deployed for the common good worldwide. They advocated for international standards and interoperable tools for trustworthy AI that enable Innovation by creating a comprehensive policy framework, including overall guiding principles for all AI actors in the AI ecosystem.

Stressing upon fair use of advanced technologies:

The impact and misuse of generative AI was also discussed by the G7 leaders. The G7 members also stressed misinformation and disinformation in the realm of generative AI models. As they are capable of creating synthetic content such as deepfakes. In particular, they noted that the next generation of interactive generative media will leverage targeted influence content that is highly personalized, localized, and conversational. 

In the digital landscape, there is a rapid advancement of technologies such as generative 

Artificial Intelligence (AI), deepfake, machine learning, etc. Such technologies offer convenience to users in performing several tasks and are capable of assisting individuals and business entities. Since these technologies are easily accessible, cyber-criminals leverage AI tools and technologies for malicious activities, hence certain regulatory mechanisms at the global level will ensure and advocate for the ethical, reasonable and fair use of such advanced technologies. 

Conclusion: 

The G7 summit held in May 2023 focused on advanced international discussions on inclusive AI governance and interoperability to achieve a common vision and goal of trustworthy AI, in line with shared democratic values. AI governance has become a global issue, countries around the world are coming forward and advocating for the responsible and fair use of AI and influence on global AI governance and standards. It is significant to establish a regulatory framework that defines AI capabilities and identifies areas prone to misuse. And set forth reasonable technical standards while also fostering innovations. Hence overall prioritizing data privacy, integrity, and security in the evolving nature of advanced technologies. 

References:

• https://www.politico.eu/wp-content/uploads/2023/09/07/3e39b82d-464d-403a-b6cb-dc0e1bdec642-230906_Ministerial-clean-Draft-Hiroshima-Ministers-Statement68.pdf
• https://www.g7hiroshima.go.jp/en/summit/about/
• https://www.drishtiias.com/daily-updates/daily-news-analysis/the-hiroshima-ai-process-for-global-ai-governance
• https://www.businesstoday.in/technology/news/story/hiroshima-ai-process-g7-calls-for-adoption-of-international-technical-standards-for-ai-382121-2023-05-20

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