Who created the heaven for mobile scams

« I work at a bar. The first customer orders a double whiskey and Coke, takes a sip and handed the phone - on a balance of nearly 40 thousand rubles. "Corporate Account" - "Do not ... Esemesochki, each for 700 rubles. "Then he exhales, as after a hard work, and calls his friend:" Well, you went to? I think it's not all, but more than I can take off this month. I was in a bar, celebrating, '"- tells the remarkable story of a bartender in St. Petersburg bar" Terminal "Nicholas Konashenok. For such earnings" mobile "thieves should not so much: a computer, special software to create spam messages and automatic distribution. Subscriber base too often do not buy - just ask a simple iteration numbers. Minimum investment - 60 thousand rubles. The main problem in cashing, but it is solvable. For example, registering on-line "in contact", with the balance to replenish cellular Qiwi-wallet, purse translate money on the card Visa, issued by any bank in Russia and some foreign banks, and its cash at an ATM. However, remittances are limited - no more than 15 thousand rubles, including commission. But who is prohibited to have more than purses? A cell phone can transfer money through a system of money transfer such as "Unistream." In general, the chain of operations fraudster will pay about 10% cashable amount. These earnings will certainly illegal, but put behind them are still rare. One of the biggest frauds was rakryto in August last year. Management "to" the Interior Ministry arrested the content provider whose income from the spread of viruses to block computers that need to send SMS-messages cost 300-700 rubles amounted to more than 1.5 billion in the quarter. Moreover, the provider is not willing to pay taxes and transfers the money to an account-by-night firms. To pay for the services to developers of viruses, funds were transferred in exchange, dealing with converting non-cash payment in electronic money. The money is then translated into electronic wallets hackers. The result - a criminal case. According to the analytical company "Integrum" in 2009, the fraud on the market of cellular micro-totaled $ 50 million, or 1.5 billion rubles. And if we now control the "K" MVD counted only one of the illegal income from SMS-payments and only one quarter in 2010 $ 1.5 billion, then the dynamics of theft just crazy. It is only the Russian market, and in fact can benefit from globalization and put the business on a grand scale. According to Juniper Research, global mobile payments market to grow from $ 170 billion in 2010 to $ 630 billion in 2014. Exciting prospects, how they steal. 7 most common scams: Playing for curiosity. subscriber receives a message, which proposed a link. It is clear that just refer to an unknown site will be rare, so gradually practiced "attractive" templates . For example, closer to the holidays, network with full spam greeting cards. Message reads: "You came a postcard to view go to xxx." Speculation on fear. Who does not receive SMS-messages like, "Mom, I have a problem! Urgent Put the number xxx 500 rubles, and then explain it all. "The most active this spam is sent during the mass of the tragic events such as explosions in the subway, at the airport" Domodedovo ". Unfortunately, so far for these mailings nobody was arrested. Blackmail . True story: a man looking for feedback on the forums about the products the company "1C", went on the proposed link, ran a pornographic screensaver, the computer hangs, and there was a message: "Your computer is locked for visiting sites containing child pornography, violence and bestiality. To get password to unlock the computer, send a paid SMS-message. "palitsya nobody wants to pay so most secretive. password, of course, not be sent. According Dr.Web, in the second half of last year the company received daily from 100 to 400 complaints the lock. In May, the Moscow Prosecutor's Office vulgar checked several firms on complaints of blockage. It turned out that only in April, revenue from fraud amounted 790 thousand rubles. The result - a criminal case under articles of the Criminal Code, providing for penalties of up to 10 years in prison. The desire for communication. Introduction to social network with a charming girl or a wealthy builder, who for some reason can only communicate with SMS-messages can cost tens or even hundreds of thousands of rubles. Social networks generally provide plenty of opportunities. For example, it is proposed to get a gift , to increase the rating, unlock page (it is blocked because of alleged spam). It goes without saying that every transaction you want to send SMS, then the subscriber's balance is reduced by a certain amount. Sometimes it seems that scammers have found a sure way to monetize social networks , while the creators and owners have yet to solve this problem. Waiting for a miracle. Faith in a fairy tale - this is fine, but to a certain limit. If you believe the SMS-messages in the last month I won a car Lada Priora, laptop and iPhone. To receive a prize, you need one small thing - send an SMS to a specified number, particularly naive proposed transfer tax payment through the terminal. The more expensive the prize, the greater the amount of the payment. Excellent commercial move - to send spam on behalf of a large well-known company or a mobile operator subscriber. The vulgar year Bank VTB 24 placed on famous job recruiting sites. scammers copied the announcement, corrected and placed on regional sites. for access to the full version of vacancies required to send a paid SMS. Hiding the cost of services. avalanche growth in complaints of fraud led to a tightening of the requirements of the operators to content providers. The contracts specify that it is necessary to talk properly and transparently to the subscriber on the conditions of service. But these provisions are not implemented. "In December last year, the biggest part of subscriber complaints (28%) has fallen to an incorrect description of the conditions of providing various services", - says head of department Fraud "Megaphone" Sergei Khrenov. Theft. The number of adherents of Internet banking is growing, passwords and logins to enter the private office issued in offices and ATMs. They can get the user's computer by a "Trojan horse". operations must be confirmed by short passwords that are sent to the mobile phone as an SMS-messages. Fraudsters make out a fake notarized power of attorney, in which the fraudster obtains a duplicate sim-card "object." There are more straight-line options, for example, calls from the "staff security of the bank, "which asked dictate the secret data. Wants scams are constantly evolving. According to statistics, the capital of the branch" Megaphone ", in June 2010, the most popular was blocked (56% of incidents), and in December - the incorrect description of the service (28%). In the last month of the year on the blockers had only 16% of incidents. According to the Director for the product «Tele2 Russia" Roman Volodin, maximum damage is sending messages from your mobile device without the knowledge of the subscriber. "Subscriber receives an MMS-postcard To view the changes in link - gives the example of Roman Volodin. - At the time of transfer to the phone automatically installs a malicious program, which is then sent to special numbers SMS-messages c telephone number. In the process of the subscriber's account debited funds. "" The most popular use of fraud associated with attempts one way or another to provoke a subscriber to transfer funds ", - said the project manager of corporate social responsibility" VimpelCom "Eugene Chistov. Sergei Khrenov notes that fraudsters gradually migrate to regions that are oriented toward the most vulnerable social groups - children and pensioners. In addition, a growing number of mobile viruses, smartphones are used by fraudsters to create botnets. According to the Moscow branch of "Megafon", the second half of 2010, the number of rooms, send SMS with viruses and "Trojan horses" for the mobile terminals has increased by 7 times. checkpoint. With all the above types of fraud control is only one way - lock, but the crooks evade it. "In the second half of 2010, spread to java-« Cards "with a dynamically changing the prefix" - gives the example of Sergei Khrenov. The bottom line is that users under the guise of Card load malicious java-application, sending paid SMS. In addition, fraudsters plays to slow interaction operators, when it comes to incoming messages. "Big Three" responds to requests from colleagues instantly. "Regional operators often respond slowly to requests for blocking or do not respond at all, "- complains Sergei Khrenov. Although it is expensive, the operators try to preserve the image of responsible companies. Moreover, the number of complaints is growing, and the first to" take the fire itself, "namely the operators. So they voluntarily improve their safety systems." MTS annually spends on implementing safeguards against fraud, millions of dollars ", - says the director of interactive services MTS Jaroslav Svintsov. In addition, services are being introduced to inform the subscriber, eg SMS-sent warnings that one of these links may result in monetary losses. Someone has gone even further. For example, "MegaFon», «Tele2 Russia" in 2010 announced that they will return money to customers from proven cases of fraud. Payments "Megaphone" in 2010 amounted to 1.5 million rubles' Tele2 Russia "- 400 thousand rubles." VimpelCom "and MTS will reimburse your money if they are counted by the fraudster." The operator shall bear the financial burden, if a subscriber receives a message: "Mom, I'm in trouble, I put the money into an account "out of its budget covering the credulity and folly of the subscriber. It's just like a car manufacturer or traffic police to demand compensation for the fact that the car had been left on inadvertently handbag and stole her" - sure Eugene Chistov. The position of "VimpelCom" and MTS is clear - you can not always get money from the provider. "Apply penalties to the content provider" Mobile Answers "was impossible - after deducting the value of his compensation frodovogo traffic amounted to only 2 thousand rubles", - says Sergey horseradish. As a result, half of the losses "MegaFon" subscribers offset from its own funds.'s subscribers, as well as crooks, were not missed, some advantage of the situation and tried to get the "megaphone" to pay the bogus complaints. "From the accounts of people buy cell game currency to 100 thousand rubles, and then resold it . And in parallel complained to the "megaphone" to fraudsters ", - says Sergey Khrenov experience. However, it is this caller was unable to obtain compensation. Maybe not took seriously the issue. Existing law does not operate while the new technology concepts, but is sufficient for the prosecution of fraudsters. The problem is the same - the laws are not respected, the operator is hard to work with the Interior Ministry, there is no response. "Megafon" achieved a criminal action only at a fraudster. "The main issue - the evidence base of a other illegal actions, "- said Yaroslav Svintsov.