Meta Police & Paytm Fraud Cover
Introduction
Meta is the leader in social media platforms and has been successful in having a widespread network of users and services across global cyberspace. The corporate house has been responsible for revolutionizing messaging and connectivity since 2004. The platform has brought people closer together in terms of connectivity, however, being one of the most popular platforms is an issue as well. Popular platforms are mostly used by cyber criminals to gain unauthorised data or create chatrooms to maintain anonymity and prevent tracking. These bad actors often operate under fake names or accounts so that they are not caught. The platforms like Facebook and Instagram have been often in the headlines as portals where cybercriminals were operating and committing crimes.
To keep the data of the netizen safe and secure Paytm under first of its kind service is offering customers protection against cyber fraud through an insurance policy available for fraudulent mobile transactions up to Rs 10,000 for a premium of Rs 30. The cover ‘Paytm Payment Protect’ is provided through a group insurance policy issued by HDFC Ergo. The company said that the plan is being offered to increase the trust in digital payments, which will push up adoption.
Meta’s Cybersecurity
Meta has one of the best cyber security in the world but that diest mean that it cannot be breached. The social media giant is the most vulnerable platform in cases of data breaches as various third parties are also involved. As seen the in the case of Cambridge Analytica, a huge chunk of user data was available to influence the users in terms of elections. Meta needs to be ahead of the curve to have a safe and secure platform, for this Meta has deployed various AI and ML driven crawlers and software which work o keeping the platform safe for its users and simultaneously figure out which accounts may be used by bad actors and further removes the criminal accounts. The same is also supported by the keen participation of the user in terms of the reporting mechanism. Meta-Cyber provides visibility of all OT activities, observes continuously the PLC and SCADA for changes and configuration, and checks the authorization and its levels. Meta is also running various penetration and bug bounty programs to reduce vulnerabilities in their systems and applications, these testers are paid heavily depending upon the scope of the vulnerability they found.
CyberRoot Risk Investigation
Social media giant Meta has taken down over 40 accounts operated by an Indian firm CyberRoot Risk Analysis, allegedly involved in hack-for-hire services along with this Meta has taken down 900 fraudulently run accounts, these accounts are said to be operated from China by an unknown entity. CyberRoot Risk Analysis was responsible for sharing malware over the platform and used it to impersonate themselves just as their targets, i.e lawyers, doctors, entrepreneurs, and industries like – cosmetic surgery, real estate, investment firms, pharmaceutical, private equity firms, and environmental and anti-corruption activists. They would get in touch with such personalities and then share malware hidden in files which would often lead to data breaches subsequently leading to different types of cybercrimes.
Meta and its team is working tirelessly to eradicate the influence of such bad actors from their platforms, use of AI and Ml based tools have increased exponentially.
Paytm CyberFraud Cover
Paytm is offering customers protection against cyber fraud through an insurance policy available for fraudulent mobile transactions up to Rs 10,000 for a premium of Rs 30. The cover ‘Paytm Payment Protect’ is provided through a group insurance policy issued by HDFC Ergo. The company said that the plan is being offered to increase the trust in digital payments, which will push up adoption. The insurance cover protects transactions made through UPI across all apps and wallets. The insurance coverage has been obtained by One97 Communications, which operates under the Paytm brand.
The exponential increase in the use of digital payments during the pandemic has made more people susceptible to cyber fraud. While UPI has all the digital safeguards in place, most UPI-related frauds are undertaken by confidence tricksters who get their victims to authorise a transaction by passing collect requests as payments. There are also many fraudsters collecting payments by pretending to be merchants. These types of frauds have resulted in a loss of more than Rs 63 crores in the previous financial year. The issue of data insurance is new to India but is indeed the need of the hour, majority of netizens are unaware of the value of their data and hence remain ignorant towards data protection, such steps will result in safer data management and protection mechanisms, thus safeguarding the Indian cyberspace.
Conclusion
cyberspace is at a critical juncture in terms of data protection and privacy, with new legislation coming out on the same we can expect new and stronger policies to prevent cybercrimes and cyber-attacks. The efforts by tech giants like Meta need to gain more speed in terms of the efficiency of cyber safety of the platform and the user to make sure that the future of the platforms remains secured strongly. The concept of data insurance needs to be shared with netizens to increase awareness about the subject. The initiative by Paytm will be a monumental initiative as this will encourage more platforms and banks to commit towards coverage for cyber crimes. With the increasing cases of cybercrimes, such financial coverage has come as a light of hope and security for the netizens.
Related Blogs
Executive Summary:
The internet has become a hub for fraudsters, and a new fraudulent scheme has been circulating, stating a free 84-day recharge of ₹719 given by the Honourable Prime Minister Narendra Modi in celebration of the BJP Government formation in 2024. This is yet another scam that uses tricks to lure the users, for instance by fake questionnaires, fake promises and the use of the Honourable Prime Minister Narendra Modi’s image to give a fake impression of legitimacy. The following blog post analyzes the scam and offers recommendations on how to recognize similar frauds and avoid them.
False Claim:
A viral link trending on various social media platforms states that Narendra Modi, the Honourable Prime Minister of India, is giving a free 84-day free recharge worth ₹719 to all users in India and this is an Election Bonus in celebration of the BJP government formation in 2024. The claim insists the users are required to click on the link (https://offerraj.in/Congress2024-Recharge/id=9jMiaeN1) and complete a questionnaire to get the offer.
The Deceptive Scheme:
- Mobile-Only Access: The malicious link (https://offerraj.in/Congress2024-Recharge/id=9jMiaeN1) is designed to open only on mobile devices; this makes it easier for more people to be affected.
- Multiple Redirects: After clicking the link, the users are led through a sequence of other links in order to conceal the actual source of the deception, and probably a try of making it difficult to track the notorious activity.
- Fake Comments & Images: First, the landing page contains a banner with the photo of India’s Honourable Prime-Minister Narendra Modi which gives the site’s visitors the impression of the official source. Also, fake comments can be made for the same reason, stating that the author has received a free recharge and supporting the so-called initiative.
- Fake Prize Notifications: For instance, after responding to the questions in the questionnaire, users may be presented with messages such as ‘Congratulations, you have won a free recharge’; this further creates an impression of a genuine offer.
- Social Sharing Requirement: To collect the so-called ‘prize’, the users are requested to share the link in the WhatsApp or other social networks, thus contributing to the spread of the scam.
Analyzing the Fraudulent Campaign:
- No Official Announcement: The internet and other social platforms are the only places where such an offer has been mentioned, and there is no official announcement from the Government or any other authorized body.
- Multiple Redirects: After clicking the link, users are taken through multiple redirects to obfuscating the source of the deception and to trace the malicious activity.
- Suspicious Domain and Hosting: The campaign is hosted on a third-party domain (offerraj.in) instead of any official government website, raising suspicion about its authenticity.
- Personal Data Collection: The questionnaire prompts users to provide personal information, which legitimate Government initiatives would not typically request through unofficial channels.
- Insecure HTTP Link: The link provided is an insecure HTTP link, whereas legitimate government websites employ secure HTTPS encryption.
Domain Analysis:
The actual url is hosted on a third party domain instead of the official website of the BJP or any Government website. This is the common way to deceive users into falling for a Phishing scam. Whois information reveals that the domain has been registered recently i.e on 28-03-2023 and the domain is registered with godaddy.com and state is from Rajasthan, India. Cybercriminals used Cloudflare technology to mask the actual IP address of the fraudulent website.
- Domain Name: offerraj.in
- Registry Domain ID: D9483D0EB38264263958C9609D2DCEA70-IN
- Registrar WHOIS Server:
- Registrar URL: www.godaddy.com
- Updated Date: 2024-05-03T07:30:03Z
- Creation Date: 2023-03-28T04:33:12Z
- Registry Expiry Date: 2026-03-28T04:33:12Z
- Registrar: GoDaddy.com, LLC
- Registrar IANA ID: 146
- Registrant State/Province: Rajasthan
- Registrant Country: IN
- Name Server: johnathan.ns.cloudflare.com
- Name Server: braelyn.ns.cloudflare.com
Similar offer surfing with different links: Several similar kind of offers through various links such as https://offerintro.com/BJP2024-Recharge/id=QYntPBDU, https://mahaloot2.xyz, https://mahaloot3.xyz, https://pmoffer4.online, are available in the social media. All these links are analysed and validated to be malicious or phishing links.
CyberPeace Advisory and Best Practices:
- Stay Informed: Be aware of potential scams and rely on official government channels for verified information.
- Verify Website Security: Do not click on links that have the ‘http’ at the beginning and focus on sites that have encryption (‘https’).
- Protect Personal Information: Be careful when there is any request to send some type of personal information, especially if it is done through informal companies.
- Report Suspicious Activity: When you notice that you have been scammed or a certain activity is fraudulent, ensure to report the incidents to the necessary authorities and the platforms to prevent others from being scammed.
Conclusion:
The claim of 84 day free recharge worth ₹719 to all users in India as an “Election Bonus” is false and similar kinds of various links are consistently surfing through the internet. The deceptive practices employed in these kinds of links are insecure and it has multiple redirects to false promises which highlights the need for heightened awareness and caution among internet users. In this digital world, it is important to stay informed, verify the authenticity of resources to protect personal information. Individuals can safeguard themselves against such fraudulent schemes and contribute to a safer online environment.
Introduction
The Ministry of Electronics and Information Technology (MeitY) issued an advisory on March 1 2024, urging platforms to prevent bias, discrimination, and threats to electoral integrity by using AI, generative AI, LLMs, or other algorithms. The advisory requires that AI models deemed unreliable or under-tested in India must obtain explicit government permission before deployment. While leveraging Artificial Intelligence models, Generative AI, software, or algorithms in their computer resources, Intermediaries and platforms need to ensure that they prevent bias, discrimination, and threats to electoral integrity. As Intermediaries are required to follow due diligence obligations outlined under “Information Technology (Intermediary Guidelines and Digital Media Ethics Code)Rules, 2021, updated as of 06.04.2023”. This advisory is issued to urge the intermediaries to abide by the IT rules and regulations and compliance therein.
Key Highlights of the Advisories
- Intermediaries and platforms must ensure that users of Artificial Intelligence models/LLM/Generative AI, software, or algorithms do not allow users to host, display, upload, modify, publish, transmit, store, update, or share unlawful content, as per Rule 3(1)(b) of the IT Rules.
- The government emphasises intermediaries and platforms to prevent bias or discrimination in their use of Artificial Intelligence models, LLMs, and Generative AI, software, or algorithms, ensuring they do not threaten the integrity of the electoral process.
- The government requires explicit permission to use deemed under-testing or unreliable AI models, LLMs, or algorithms on the Indian internet. Further, it must be deployed with proper labelling of potential fallibility or unreliability. Further, users can be informed through a consent popup mechanism.
- The advisory specifies that all users should be well informed about the consequences of dealing with unlawful information on platforms, including disabling access, removing non-compliant information, suspension or termination of access or usage rights of the user to their user account and imposing punishment under applicable law. It entails that users are clearly informed, through terms of services and user agreements, about the consequences of engaging with unlawful information on the platform.
- The advisory also indicates measures advocating to combat deepfakes or misinformation. The advisory necessitates identifying synthetically created content across various formats, advising platforms to employ labels, unique identifiers, or metadata to ensure transparency. Furthermore, the advisory mandates the disclosure of software details and tracing the first originator of such synthetically created content.
Rajeev Chandrasekhar, Union Minister of State for IT, specified that
“Advisory is aimed at the Significant platforms, and permission seeking from Meity is only for large platforms and will not apply to startups. Advisory is aimed at untested AI platforms from deploying on the Indian Internet. Process of seeking permission , labelling & consent based disclosure to user about untested platforms is insurance policy to platforms who can otherwise be sued by consumers. Safety & Trust of India's Internet is a shared and common goal for Govt, users and Platforms.”
Conclusion
MeitY's advisory sets the stage for a more regulated Al landscape. The Indian government requires explicit permission for the deployment of under-testing or unreliable Artificial Intelligence models on the Indian Internet. Alongside intermediaries, the advisory also applies to digital platforms that incorporate Al elements. Advisory is aimed at significant platforms and will not apply to startups. This move safeguards users and fosters innovation by promoting responsible AI practices, paving the way for a more secure and inclusive digital environment.
References
- https://regmedia.co.uk/2024/03/04/meity_ai_advisory_1_march.pdf
- https://economictimes.indiatimes.com/tech/technology/govts-ai-advisory-will-not-apply-to-startups-mos-it-rajeev-chandrasekhar/articleshow/108197797.cms?from=mdr
- https://www.meity.gov.in/writereaddata/files/Advisory%2015March%202024.pdf
Introduction
Intricate and winding are the passageways of the modern digital age, a place where the reverberations of truth effortlessly blend, yet hauntingly contrast, with the echoes of falsehood. The latest thread in this fabric of misinformation is a claim that has scurried through the virtual windows of social media platforms, gaining the kind of traction that is both revelatory and alarming of our times. It is a narrative that speaks to the heart of India's cultural and religious fabric—the construction of the Ram Temple in Ayodhya, a project enshrined in the collective consciousness of a nation and steeped in historical significance.
The claim in question, a spectre of misinformation, suggests that the Ram Temple's construction has been covertly shifted 3 kilometres from its original, hallowed ground—the birthplace, as it were, of Lord Ram. This assertion, which spread through the echo chambers of social media, has been bolstered by a screenshot of Google Maps, a digital cartographer that has accidentally become a pawn in this game of truth and deception. The image purports to showcase the location of Ram Mandir as distinct and distant from the site where the Babri Masjid once stood, a claim went viral on social media and has caught the public's reactions.
The Viral Tempest
In the face of such a viral tempest, IndiaTV's fact-checking arm, IndiaTVFactCheck, has stepped into the fray, wielding the sword of veracity against the Goliath of falsehood. Their investigation into this viral claim was meticulous, a deep dive into the digital representations that have fueled this controversy. Upon examining the viral Google Maps screenshot, they noticed markings at two locations: one labelled as Shri Ram Janmabhoomi Temple and the other as Babri Masjid. The latter, upon closer inspection and with the aid of Google's satellite prowess, was revealed to be the Shri Sita-Ram Birla Temple, a place of worship that stands in quiet dignity, far removed from the contentious whispers of social media.
The truth, as it often does, lay buried beneath layers of user-generated content on Google Maps, where the ability to tag any location with a name has sometimes led to the dissemination of incorrect information. This can be corrected, of course, but not before it has woven itself into the fabric of public discourse. The fact-check by IndiaTV revealed that the location mentioned in the viral screenshot is, indeed, the Shri Sita-Ram Birla Temple and the Ram Temple is being constructed at its original, intended site.
This revelation is not merely a victory for truth over falsehood but also a testament to the resilience of facts in the face of a relentless onslaught of misinformation. It is a reminder that the digital realm, for all its wonders, is also a shadowy theatre where narratives are constructed and deconstructed with alarming ease. The very basis of all the fake narratives that spread around significant events, such as the consecration ceremony of the Ram Temple, is the manipulation of truth, the distortion of reality to serve nefarious ends of spreading misinformation.
Fake Narratives; Misinformation
Consider the elaborate fake narratives spun around the ceremony, where hours have been spent on the internet building a web of deceit. Claims such as 'Mandir wahan nahin banaya gaya' (The temple is not being built at the site of the demolition) and the issuance of new Rs 500 notes for the Ram Mandir were some pieces of misinformation that went viral on social media amid the preparations for the consecration ceremony. These repetitive claims, albeit differently worded, were spread to further a single narrative on the internet, a phenomenon that a study published in Nature said could be attributed to people taking some peripheral cues as signals for truth, which can increase with repetition.
The misinformation incidents surrounding the Ram Temple in Ayodhya are a microcosm of the larger battle between truth and misinformation. The false claims circulating online assert that the ongoing construction is not taking place at the original Babri Masjid site but rather 3 kilometres away. This misinformation, shared widely on social media has been debunked upon closer examination. The claim is based on a screenshot of Google Maps showing two locations: the construction site of the Shri Ram Janmabhoomi Temple and another spot labeled 'Babar Masjid permanently closed' situated 3 kilometers away. The assertion questions the legitimacy of demolishing the Babri Masjid if the temple is being built elsewhere. However, a thorough fact-check reveals the claim to be entirely unfounded.
Deep Scrutiny
Upon scrutiny, the screenshot indicates that the second location marked as 'Babar Masjid' is, in fact, the Sita-Ram Birla Temple in Ayodhya. This is verified by comparing the Google Maps satellite image with the actual structure of the Birla Temple. Notably, the viral screenshot misspells 'Babri Masjid' as 'Babar Masjid,' casting doubt on its credibility. Satellite images from Google Earth Pro clearly depict the construction of a temple-like structure at the precise coordinates of the original Babri Masjid demolition site (26°47'43.74'N 82°11'38.77'E). Comparing old and new satellite images further confirms that major construction activities began in 2011, aligning with the initiation of the Ram Temple construction.
Moreover, existing photographs of the Babri Masjid, though challenging to precisely match, share essential structural elements with the current construction site, reinforcing the location as the original site of the mosque. Hence the viral claim that the Ram Temple is being constructed 3 kilometers away from the Babri Masjid site is indubitably false. Evidence from historical photographs, satellite images and google images conclusively refute this misinformation, attesting that the temple construction is indeed taking place at the same location as the original Babri Masjid.
Viral Misinformation: A false claim based on a misleading Google Maps screenshot suggests the Ram Temple construction in Ayodhya has been covertly shifted 3 kilometres away from its original Babri Masjid site.
Fact Check Revealed: IndiaTVFactCheck debunked the misinformation, confirming that the viral screenshot actually showed the Shri Sita-Ram Birla Temple, not the Babri Masjid site. The Ram Temple is indeed being constructed at its original, intended location, exposing the falsehood of the claim.
Conclusion
The case of the Ram Temple is a pitiful reminder of the power of misinformation and the significance of fact-checking in preserving the integrity of truth. It is a clarion call to question, to uphold the integrity of facts in a world increasingly stymied in the murky waters of falsehoods. Widespread misinformation highlights the critical role of fact-checking in dispelling false narratives. It serves as a reminder of the ongoing battle between truth and misinformation in the digital age, emphasising the importance of upholding the integrity of facts for a more informed society.
References
- https://www.indiatvnews.com/fact-check/fact-check-is-ram-temple-being-built-3-km-away-from-the-birthplace-here-truth-behind-viral-claim-2024-01-19-912633
- https://www.thequint.com/news/webqoof/misinformation-spread-around-events-ayodhya-ram-mandir-g20-elections-bharat-jodo-yatra
