Virtual pickpockets: the campaign to the ATM for many turned into check on vigilance

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Now the campaign to the ATM for many of us turned into check on vigilance. Swindlers successfully master methods of theft of electronic money. The idea to tell you about modern types of theft of electronic money appeared when at once some journalists in the mailboxes found pictures with strange devices on ATMs. The Ukrainian swindlers use such devices for theft of requisites of the cards, necessary then to steal and our money.

Now the campaign to the ATM for many of us turned into check on vigilance. At first you feel the keyboard on existence of foreign subjects, fixedly you examine an opening for the card and only then you insert the card into a reception cell of the ATM. And what to do? It is necessary to trust cars. We after all already got used to pay purchases for the clearing settlement, to spend much time on the Internet, in the same place to do shopping, get acquainted and communicate. It isn't surprising that after technological progress swindlers reached for the victims to the virtual world also. And schemes, years fulfilled by thimbleriggers and flimflammers, successfully removed to a network and mobile communication. Ilf and Petrov's hero Ostap Bender bragged that he has 400 rather honest ways of a vymanivaniye of money. "But not in ways business. The matter is that now there are no rich people, and in it horror of my situation", - the Great Schemer complained. Modern swindlers have no problems neither with the first, nor with the second.

I too fell a victim of own trustfulness, having taken in all good faith the simplest divorce of the mobile swindler. At first the message from the unknown subscriber about mobile account replenishment came to some hryvnias. Later few minutes appeared the SMS with a request to return the money allegedly sent by mistake. Funds were transferred to specified number and, naturally, fell straight into hands of the small swindler.

In most cases victims of cybercriminals voluntary give the money, at all without having suspected deception. The Internet - beggars appeal to pity, sellers a miracle - the programs generating means on virtual accounts, and founders of lime investment funds - to thirst of a profit, and sellers allegedly marked-down goods play on love to a freebie. The Internet - swindlers, having studied human weaknesses and defects, successfully use them in the business. One such business brings couple of thousands dollars a month, another - tens, and that hundreds thousands. The most advanced companies can envy profitability of business of cybercriminals.

Thus to catch the swindlers who have stolen virtual money and the more so to prove them to wine - very difficult. Law enforcement agencies are often powerless - the sum which is lost by one victim, often happens insufficiently for initiation of legal proceedings and the investigation beginning. The common sense and knowledge of the cunnings used by swindlers, stealing virtual money will help to be saved from undesirable losses. After all who is warned, that is armed. In more detail - on the following pages of this number.


The small cyberthief earns to $2 thousand a month. For achievement of the Internet is more whole - swindlers shouldn't use difficult technologies. The main thing - the imagination

Development of computer technologies, systems of electronic data transmission provoked emergence of a new type of crimes. Remotely, without leaving the room, criminals manage to steal million dollars, having armed only with the computer. Virtual pickpockets successfully compete with the "real" colleagues. By McAfee company estimates, the modern level of development of technologies does the Internet - the crime which is bringing in milliard incomes, more favorable business, than drug traffic.

In Ukraine the Internet - speculators on scales concedes business to fraud in the USA, Western Europe or in Russia, but the Ukrainian criminals quickly adopt experience of the colleagues from other countries. "We, for example, daily face attempts of young swindlers through stolen cash cards to recharge mobile phones", - the president of interbank system of electronic delivery and payment of accounts Igor Gorin tells.

Growth of quantity of cybercrimes is confirmed also by the deputy chief of department of Head department on fight against economic crimes of the Ministry of Internal Affairs of Ukraine Sergey Lebed.According to him, in 2005 in the sphere of electronic payments 83 crimes, and in 2007 - m - already 205 were recorded.

On hands Ukrainians have more than 50 million plastic cards, in a network 8,4 million Internet - users are registered, the number of subscribers of mobile communication exceeded 55 million. Constantly the number of victims of cybercriminals grows also.

The purpose of malefactors - virtual money, any means of payment which don't have a physical way of use. As the Ukrainian legislation doesn't give definition to virtual money, we carried the plastic cards which are giving the chance to their owners to use blood, without drawing them physically from account to the such. Besides, it the means which are on accounts of mobile phones, and also the electronic money entered into use by payment systems specially for calculations on the Internet.


Malefactors facilitate others purses, using plastic cards, the Internet, electronic payment systems, systems of money transfers and mobile phones. The most great damage is caused by the card swindlers stealing money by means of plastic cards.

"We offer the European credit cards about a pin - a code. All cards working, balance of cards from $1000. For detailed information and the prices address ***. The request to write only on business".

The Internet is filled up with offers of this sort. This business prospers, and impunity only warms up to it interest from the beginners dreaming of an easy money.

Annual losses from roguish operations with cash cards in the world estimate approximately at $200 billion. In Ukraine, by estimates of bankers, volumes of theft reach $18 million. However, unlike Americans, whose cards forge most often, Ukrainians usually become victims of own carelessness. Generally fraud happens to the stolen and lost cards which criminals cash in supermarkets or via ATMs. Started forging cards of clients of the Ukrainian banks several years ago and while such business didn't gain mass character. The remains on the Ukrainian cards the small: $500-600. Professional card swindlers such sums don't interest.

To steal money through payment systems (WebMoney, PayCash,, Yandex.Money) and systems of money transfers (Western Union, MoneyGram, Anelik), malefactors have to show ingenuity miracles, after all to them it is necessary to convince the victim voluntary to leave money. Cybercriminals in recent years thought up hundreds ways of a vymanivaniye of means. The most popular and still effective method - sale of nonexistent goods in the Internet - shops and online - auctions. On the Internet virtual financial pyramids and investment funds prosper. And users of e-mail daily receive tens letters with the message on a prize in a lottery, offers on work on the Internet, opportunity to receive free of charge goods or the credit on profitable terms. Authors of such letters ask to transfer sooner or later the victims to them some amount of money for the specified account. As the sums insignificant, victims, without being very cautious, send money to the addressee. Thanks to such benefactors cybercriminals even the lowest level can earn in a month to two thousand dollars.

For achievement of the Internet is more whole - swindlers shouldn't use difficult technologies. The main thing - the imagination. A few years ago on the Internet there was a site of the American blackmailing fans and defenders of wildlife threats to kill the rabbit by Christmas, to fry and eat. It gave the chance to visitors of a site to rescue an animal, having suggested to collect repayment in any $200 thousand. Despite absurdity of blackmail, money arrived into the account of the speculator, and the special counter published on the website, showed, how many funds still it was necessary to raise. Thus site advance in Yandex allowed to attract large audience.

Mobile swindlers deliver many problems to mobile operators and their subscribers. Ideal from the point of view of thieves there were SMS services and SMS payments. According to operators, some years a stable source of their income is mailing of messages to subscribers about a prize prize. That to receive it, to the subscriber suggest to dictate card number for account replenishment. The owner of the mobile phone at all doesn't suspect that itself transfers money in hands of criminals. In such business trade not only small speculators, but also the whole groups earning to $50 thousand monthly.


The largest cybercrimes are made usually not by singles, and the international groups creating networks from informants and performers among which, certainly, there are also IT experts.According to McAfee company researches, cybercriminals select new employees at universities, computer clubs and online - forums. Thus they stake on students. Often IT experts from countries of Eastern Europe become cybercriminals.

In Ukraine school students are engaged in breakings generally: 14- summer computer geniuses arise in a journeyman to the Internet - to swindlers at specialized forums. The young brain is capable to acquire quickly the most difficult information therefore speculators with pleasure use services of teenagers. Career of such performers comes to an end, as a rule, by 20 years.

As a whole difficult to estimate volumes of theft of virtual money. In - the first, many victims mobile and the Internet - frauds never declare disappearance of money. In - the second, law enforcement agencies, as a rule, never contact leaders of groups, and catch generally the small hired workers who aren't possessing information useful to a consequence.

Large swindlers get for a lattice seldom. In Ukraine only one such example is known. In 2005 - m the militia declared detention "the father of card fraud" in the CIS, the founder of a site it appeared which 23 - the summer inhabitant of Odessa Dmitry Golubov. Already in half a year Dmitry was free, his fault still didn't manage to prove though the consequence still goes, and law enforcement agencies collected 10 volumes of business. Besides, for the guy two People's Deputies - Vladimir Demekhin and Vladimir Makeenko were charged. "I don't understand at all computers", - told in interview to Contracts 28 - summer Golubov. The inhabitant of Odessa dreams to become a deputy and even created own party (the Internet - party of Ukraine).


In growth of cybercrimes, on the one hand, consumers are guilty. They allow to deceive themselves, to entice on counterfeit a web - sites, carelessly use requisites of cash cards on the Internet, refuse anti-virus programs. On the other hand, the part of responsibility lies on banks, payment systems, the Internet - the shops, not managed to provide 100%-ny protection of the systems.

In 2004 of the Visa and Master Card company developed new standards of safety of PCI Data Security Standard for all companies working with the international payment systems (banks, service - providers, the Internet - dealers, etc.).For confirmation of compliance to the standard of the company have to undergo a compulsory procedure of external audit. In the USA 40% of banks (in Ukraine became the only company which has received the certificate,) responded to an appeal of Visa and Master Card. "Establishment of system of safety doesn't demand big expenses (about $100 thousand), and here on preparation for audit at bank more than a year can leave. Therefore the Ukrainian financial establishments don't hurry to receive the certificate, after all the license for using cards from them all the same won't take away", - Gorin assumes. Since 2008 of Visa will start applying penalties to the companies which haven't passed audit.

According to the ex-the hacker of Nerona (case history on p. 40), with introduction of the new complicated systems of protection existing ways of fraud gradually will disappear, and their place will be taken by psychological methods of a vymanivaniye of money. "There is no such system which can't be hacked, the main issue: and whether it is worth doing it? At any moment breaking of new programs of protection will be simply unprofitable", - recognizes the former Internet - a case.

Absolutely new mechanisms of theft of virtual money will appear with distribution of technology of payments from the mobile phone. But the new generation of speculators will be engaged in such "trade", and to us while to deal with present swindlers and to understand their scheme of theft of our money.

Chronicles of cybercrimes

1994The programmer Vladimir Levin hacked a computer network to a nye - York bank Citibank and removed more than $12 million from customer accounts. In March 1995-го the hacker arrested. The court of New - York condemned Levin for 3 years of imprisonment and deported to Russia.

199916- the summer hacker Johnathan James hacked the server of NASA and stole the file with an initial code of the International space station, having caused damage in $1,7 million. The juvenile cyberthief was threatened by 10 years of prison, but punishment to him managed to be avoided as at the time of a crime he was a minor.

2001Two hackers from Chelyabinsk - 20 - to summer Alexey Ivanov and 25 - to summer Vasily Gorshkov - managed to steal 15,7 thousand numbers of credit cards from databases of Western Union. The general damage caused by swindlers, estimated at $25 million. Them detained in 2001 - m. Pots I received 3 years of imprisonment, Ivanov - 4.

2005Having hacked in 2005 a database of a large American distribution network of TJX, the group of hackers for half a year stole data about 46,5 million credit maps which her clients used. Swindlers removed million dollars from the stolen cards. The exact extent of damage didn't manage to be counted.

2006In 2006 the group of hackers of Russia dispatched to clients of the Swedish bank Nordea of the letter on behalf of bank with recommendations to install the special program of protection against spam. In the program there was the virus transferring data on clients to swindlers. Hackers managed to steal about one million euros.


1. Crime:

fake of plastic cards.

Article 200 of the Criminal code of Ukraine. Forgery on the translation, payment cards and other accessors to bank accounts, and also their acquisition, storage, transportation, transfer with a sales objective.

Punishment: penalty from 8,5 thousand UAH to 17 thousand UAH or imprisonment till 3 years. If the swindler acted in arrangement to a group of persons or at repeated violation - imprisonment from 3 to 5 years.

2. Crime:

mobile and the Internet - fraud, fraud by means of payment systems and systems of money transfers.

Article 190 of the Criminal code of Ukraine. Fraud.

Taking someone else's property or buying property by deception or breach of confidence.

Punishment: penalty to 850 UAH or corrective works for a period of up to 2 years, or freedom restriction till 3 years.

Fraud, perfect repeatedly or on preliminary arrangement by a group of persons, or caused a significant damage to the victim.

Punishment: penalty from 850 UAH to 1700 UAH or corrective works for a period of 1-2 years, or restriction of freedom for a period of up to 5 years, or imprisonment till 3 years.

The fraud made in a large sizes or by illegal operations with use elektronno - computer facilities.

Punishment: imprisonment for a period of 3 till 8 years.

The fraud made in especially large sizes or organized group.

Punishment: imprisonment for a period of 5 till 12 years with property confiscation.

3. Crime:

plunder of bank information.

Article 361 of the Criminal code of Ukraine.Unauthorized sale or information distribution with limited access which is stored in elektronno - the computers (computers), the automated systems, computer networks or carriers of such information.

Punishment: penalty at the rate from 8,5 thousand UAH to 17 thousand UAH or imprisonment for a period of up to 2 years, and at repeated commission of crime or at its implementation in arrangement to a group of persons - imprisonment from 2 to 5 years.


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