The
times when you had to go to the shop to buy every little thing are long gone.
Now, we simply go online, find what we need, compare prices and we buy! It
couldn’t have been easier than this.
In
case we are not sure about a product or a website, we address our question
online and we find user reviews, independent and expert testing sites. It’s so
easy. Even more, it doesn’t take longer than 2 or 3 days to receive a package,
even from another part of the world. You name it, they deliver it fast!
But
the net is dark and full of terrors!
We
have financial and data stealing malware, we have faceless online criminals
from any possible part of the world and countless spam phishing campaigns.
So,
how do we secure our online shopping? As Brian Krebs noticed:
"Retail
is an industry that has traditionally been focused on physical security, not
cyber security.
Specialists
in online shopping analyzed the present tendency in the market and noticed we
are dealing with a growing industry:
If
we take a look at just a few online shopping stats, we definitely understand
why online criminals may become interested:
• Consumers ages 25 to 34 lead the
way in smartphone usage in-store, comparing prices, reading reviews, buying
products, etc.
• Seventy-two percent of Millennials
research and shop their options online before going to a store.
• Nearly 50 percent of Millennials
say they regularly browse for items that they don’t necessarily plan on buying.
• Two-thirds of Americans 50-plus
buy from e-retailers online.
• Overall, satisfaction with online
shopping is high, at 83 percent.
So,
how do we protect our online shopping?
Here
are the security tips you can follow to secure your online shopping:
Best
17 online shopping security tips
1.
Make sure you’re buying from a real website
Check
for signs of certification like third-party seals of approval:
It
is important to check the website, because hackers can use fake or infected
domains to redirect your traffic and steal your financial information. Though
the website may appear real, don’t forget to check the URL.
To
avoid any unpleasant surprise, always purchase from well known websites. For
example, if you look for a major retail outlet that sells like anything
(Amazon, Target or Best Buy), use their online stores.
To
quote Neil Rubenking:
"It’s
ridiculously easy to create a phishing website, a fraud that looks just like a
real shopping or banking site.
2.
Access secure websites that protect your information
If
you want to purchase from a website, make sure it is one that contains SSL
(secure sockets layer) encryption installed.
To
know this, the site should start with HTTPS:// and you should notice the lock
symbol, which is in the address bar at the top.
To
access secure websites, we recommend a useful browser extension like HTTPS
Everywhere that encrypts connection to major sites and increases your
information security.
3.
Location is everything. Where do you purchase from?
Don’t
purchase from unknown or public networks. If you still want to buy online from
an unsafe network, at least follow some protection steps.
We
recommend running a financial transaction from your home network, which is not
that easy to access by cyber-criminals. Nevertheless, protection measures still
need to be followed.
4.
Update your system and your browser
Keep
your system and your vulnerable applications up-to-date with the latest
security updates and patches available.
Online
criminals always try to use security holes in popular – but vulnerable –
software from our systems, from Java, Adobe Flash to most popular browsers like
Google Chrome, Mozilla Firefox and Internet Explorer.
To
make it easy, just use a free tool that makes sure you have all the latest
security patches installed, fast and without interrupting your work.
5.
Check your bank account
You
don’t have to wait for the end of the month to know how much you spent. Check
your credit or debit card to know where you are in terms of spending. At the
same time, discover any potential fraudulent charges and keep the bank phone
number close by.
6.
Use antivirus protection for your PC
Though
it may not be enough, it is still good to have. To choose a good reliable
antivirus product, check the independent testing sites and the expert reviews.
You should be able to find a big name there to keep your data safe.
7.
Bulletproof your system against cybercriminals
Though
you have antivirus protection for common viruses and privacy breaches, against
the criminal masterminds you need the best tools available.
For
this reason, a software that protects your financial information from data
stealing malware includes:
a
real-time Internet traffic scanner that looks for malicious software activities
a
malware removal to catch and delete any infection
an
online scanning engine that detects malicious code inserted into legitimate
websites
Since
they target your financial data, by launching “zero-day” attacks and phishing
campaigns, you need an advanced technology that is specially designed for these
threats.
8.
Get a credentials manager for your passwords
It
has become obvious that we register for so many online accounts, that we lose
track of our passwords.
Most
people address this issue either by using one general password for most online
accounts, or by letting the web browser remember the various passwords that
were set.
None
of these methods will do any good, especially when hackers hope you’ll make
these mistakes.
The
best solution is to use a password manager, like LastPass.
But
nothing is better than learning all the necessary details to become a
credentials expert!
9.
Don’t fall for their tricks
Security
products do a great job at keeping you safe from most online dangers and a lot
of time is spent developing and improving these solutions.
But
they can’t keep you safe from yourself.
To
stay safe online, you need to educate yourself on cybersecurity and follow a
set of common sense rules on the things one can and can’t do online.
To
give you a few examples, we need to say that you just can’t go online clicking
any link and accessing any suspicious content, download any program that you
see and start posting personal information on every social media platform.
At
the same time, you need to protect your transactions from fraud and online
scams. If it sounds too good to be true, it probably is.
10.
Educate your children on Internet safety
Where
are you keeping your credit cards and your financial information? Did you teach
your children about online dangers? Do they know what they should do and what
they shouldn’t?
Talk
to them so they may understand our actions have real consequences and outside
the familiar home, there is little protection.
11.
Do not purchase from spam or phishing e-mails
The
statistics report on spam from Kaspersky, that analyzes spam e-mail, phishing
attempts and malicious attachments, indicates the spam campaigns affect the
user in 3 main ways:
• steal private data from computers
• make computer part of a botnet
• installs malicious software
We
all receive these e-mails. We mark them as spam and they keep coming. It’s not
difficult to recognize them, they all display incredible low prices for all
sort of things and they urge you to take an immediate action.
To
increase their chances of success, cybercriminals employ these e-mails in
social engineering schemes and spear phishing attacks that mask the real sender
and simulate a banking or official authority.
Combining
financial information theft and private data retrieved in such operations,
cybercriminals launch identity theft attacks, which once successful, it is
quite difficult to report and stop.
As
Lee Munson pointed out:
Never
click on links in emails that offer amazing deals unless you are sure they come
from a reputable company.
12.
Keep a record of your transactions
If
you are a frequent online shopper, it may be difficult to remember where and
when you bought something. It is even more difficult to track your spending
habits.
So,
write it down: what you bought, when and from what website.
Compare
your spending details with the banking records from your online banking account
in case you have a doubt about a certain purchase.
13.
Send sensitive or private data over encrypted channels
First,
you should not provide this type of information to unknown sites or reply to
spam e-mails, messages, applications or social media requests.
If
you really need to send them over the Internet, make sure you use some
encryption methods.
You
can archive and password-protect your file before sending it. You can also use
some encrypted channels before you send private data, like a proxy server or a
Virtual Private Network.
We
recommend that you use a VPN software, such as CyberGhost, to encrypt your
traffic and hide your valuable information from hackers or unprotected public
networks.
14.
Don’t just throw to thrash bills or transactions papers
You
ordered online and you got the package, but you also received some receipt for
your purchase. Don’t just throw immediately the paper, you may need it later to
confirm the purchase.
If
you want to throw it away, make sure you destroy it totally, so that any
possible identity thief won’t be able to find any little information about you.
15.
Block your smartphone
These
days, everybody keeps the personal and important data on the mobile phone. The
device has lost its initial function to contact people and is now used to take
photos and connect mostly on social media accounts. Which is not a really bad
thing.
But,
without realizing, we also store important data on these devices, which we
carry everywhere. And this is what makes us vulnerable.
Before
you travel in a less familiar place, just think before if you really need all
those apps on the phone.
For
example, do you really need the Dropbox app on the device, since that is the
location where we all put lately the personal files, like photos, documents and
numbers?
16.
Buy from a mobile device, not from PC
Are
you buying from a major retailer, like Amazon or Walmart? Well, now all of them
have dedicated mobile apps. This means that hackers need to create specific
attacks for specific apps, which is more difficult than launching attacks on
system browsers.
For
this reason, mobile app are less vulnerable to cybercriminals’ attacks and you
should use them, if you have the option.
17.
Use a credit card, not a debit card
They
may look the same, but in case something goes wrong, like an online criminal
attack that accessed your money or a shop that blocked your account, you have
greater protection from the bank if you’re using a credit card.
Banks
consider some of the credit cards money as their money and they act to protect
them fast. At the same time, it is more useful to have a credit card while
travelling, just in case you need a large sum of money fast.
Conclusion
The
online environment is by definition a place where we are free to access and
disseminate information, free of charge and most of the times free of any
censorship or regulations.
But
does this make the Internet a safer place? We all know the answer to this
question.
If
it’s true that no one can guarantee total freedom in the online sphere, the
same is valid for security and privacy.
So,
how do you shop online keeping yourself free of phishing attempts, data
breaches or identity theft operations? Do you have other solutions?