#FactCheck - Viral Videos of Mutated Animals Debunked as AI-Generated

March 3rd 2023, New Delhi: If you have received any message that contains a link asking users to download an application to avail Income Tax Refund or KYC benefits with the name of Income Tax Department or reputed Banks, Beware!

CyberPeace Foundation and Autobot Infosec Private Limited along with the academic partners under CyberPeace Center of Excellence (CCoE) recently conducted five different studies on phishing campaigns that have been circulating on the internet by using misleading tactics to convince users to install malicious applications on their devices. The first campaign impersonates the Income Tax Department, while the rest of the campaigns impersonate ICICI Bank, State Bank of India, IDFC Bank and Axis bank respectively. The phishing campaigns aim to trick users into divulging their personal and financial information.

After a detailed study, the research team found that:

• All campaigns appear to be an offer from reputed entities, however hosted on third-party domains instead of the official website of the Income Tax Department or the respective Banks, raising suspicion.
• The applications ask several access permissions of the device. Moreover some of them seek users to provide full control of the device. Allowing such access permission could result in a complete compromise of the system, including access to sensitive information such as microphone recordings, camera footage, text messages, contacts, pictures, videos, and even banking applications.
• Cybercriminals created malicious applications using icons that closely resemble those of legitimate entities with the intention of enticing users into downloading the malicious applications.
• The applications collect user’s personal and banking information. Getting into this type of trap could lead users to face significant financial losses.
• While investigating the impersonated Income Tax Department’s application, the Research team identified the application sends http traffic to a remote server which acts as a Command and Control (CnC/C2) for the application.
• Customers who desire to avail benefits or refunds from respective banks, download relevant apps, believing that the chosen app will assist them. However, they are not always aware that the app may be fraudulent.

“The Research highlights the importance of being vigilant while browsing the internet and not falling prey to such phishing attacks. It is crucial to be cautious when clicking on links or downloading attachments from unknown sources, as they may contain malware that can harm the device or compromise the data.” spokesperson, CyberPeace added.

In addition to this in an earlier report released in last month, the same research team had drawn attention to the WhatsApp messages masquerading as an offer from Tanishq Jewellers with links luring unsuspecting users with the promise of free valentine’s day  presents making the rounds on the app.

CyberPeace Advisory:

• The Research team recommends that people should avoid opening such messages sent via social platforms. One must always think before clicking on such links, or downloading any attachments from unauthorised sources.
• Downloading any application from any third party sources instead of the official app store should be avoided. This will greatly reduce the risk of downloading a malicious app, as official app stores have strict guidelines for app developers and review each app before it gets published on the store.
• Even if you download the application from an authorised source, check the app’s permissions before you install it. Some malicious apps may request access to sensitive information or resources on your device. If an app is asking for too many permissions, it’s best to avoid it.
• Keep your device and the app-store app up to date. This will ensure that you have the latest security updates and bug fixes.
• Falling into such a trap could result in a complete compromise of the system, including access to sensitive information such as microphone recordings, camera footage, text messages, contacts, pictures, videos, and even banking applications and could lead users to financial loss.
• Do not share confidential details like credentials, banking information with such types of Phishing scams.
• Never share or forward fake messages containing links on any social platform without proper verification.

Source : https://www.aninews.in/news/business/business/alert-cybercriminals-target-taxpayers-and-banking-customers-with-phishing-campaign-and-malicious-application20230303182938/

Introduction

Phone farms refer to setups or systems using multiple phones collectively. Phone farms are often for deceptive purposes, to create repeated actions in high numbers quickly, or to achieve goals. These can include faking popularity through increasing views, likes, and comments and growing the number of followers. It can also include creating the illusion of legitimate activity through actions like automatic app downloads, ad views, clicks, registrations, installations and in-app engagement. 

A phone farm is a network where cybercriminals exploit mobile incentive programs by using multiple phones to perform the same actions repeatedly. This can lead to misattributions and increased marketing spends. Phone farming involves exploiting paid-to-watch apps or other incentive-based programs over dozens of phones to increase the total amount earned. It can also be applied to operations that orchestrate dozens or hundreds of phones to create a certain outcome, such as improving restaurant ratings or App Store Optimization(ASO). Companies constantly update their platforms to combat phone farming, but it is nearly impossible to prevent people from exploiting such services for their own benefit.

How Do Phone Farms Work?

Phone farms are a collection of connected smartphones or mobile devices used for automated tasks, often remotely controlled by software programs. These devices are often used for advertising, monetization, and artificially inflating app ratings or social media engagement. The software used in phone farms is typically a bot or script that interacts with the operating system and installed apps. The phone farm operator connects the devices to the Internet via wired or wireless networks, VPNs, or other remote access software. Once the software is installed, the operator can use a web-based interface or command-line tool to schedule and monitor tasks, setting specific schedules or monitoring device status for proper operation.

Modus Operandi Behind Phone Farms 

Phone farms have gained popularity due to the growing popularity and scope of the Internet and the presence of bots. Phone farmers use multiple phones simultaneously to perform illegitimate activity and mimic high numbers. The applications can range from ‘watching’ movie trailers and clicking on ads to giving fake ratings and creating false engagements. When phone farms drive up ‘engagement actions’ on social media through numerous likes and post shares, they help perpetuate a false narrative. Through phone click farms, bad actors also earn on each ad or video watched. Phone farmers claim to use this as a side hustle, as a means of making more money. Click farms can be modeled as companies providing digital engagement services or as individual corporations to multiply clicks for various objectives. They are operated on a much larger scale, with thousands of employees and billions of daily clicks, impressions, and engagements.

The Legality of Phone Farms 

The question about the legality of phone farms presents a conundrum. It is notable that phone farms are also used for legitimate application in software development and market research, enabling developers to test applications across various devices and operating systems simultaneously. However, they are typically employed for more dubious purposes, such as social media manipulation, generatiing fake clicks on online ads, spamming, spreading misinformation, and facilitating cyberattacks, and such use cases classify as illegal and unethical behaviour.

The use of the technology to misrepresent information for nefarious intents is illegitimate and unethical. Phone farms are famed for violating the terms of the apps they use to make money by simulating clicks, creating multiple fake accounts and other activities through multiple phones, which can be illegal. 

Furthermore, should any entity misrepresent its image/product/services through fake reviews/ratings obtained through bots and phone farms and create deliberately-false impressions for consumers, it is to be considered an unfair trade practice and may attract liabilities. 

CyberPeace Policy Recommendations

CyberPeace advocates for truthful and responsible consumption of technology and the Internet. Businesses are encouraged to refrain from using such unethical methods to gain a business advantage and mimic fake popularity online. Businesses must be mindful to avoid any actions that may misrepresent information and/ or cause injury to consumers, including online users. The ethical implications of phone farms cannot be ignored, as they can erode public trust in digital platforms and contribute to a climate of online deception. Law enforcement agencies and regulators are encouraged to keep a check on any illegal use of mobile devices by cybercriminals to commit cyber crimes. Tech and social media platforms must implement monitoring and detection systems to analyse any unusual behaviour/activity on their platforms, looking for suspicious bot activity or phone farming groups. To stay protected from sophisticated threats and to ensure a secure online experience, netizens are encouraged to follow cybersecurity best practices and verify all information from authentic sources.

Final Words

Phone farms have the ability to generate massive amounts of social media interactions, capable of performing repetitive tasks such as clicking, scrolling, downloading, and more in very high volumes in very short periods of time. The potential for misuse of phone farms is higher than the legitimate uses they can be put to. As technology continues to evolve, the challenge lies in finding a balance between innovation and ethical use, ensuring that technology is harnessed responsibly. 

References

• https://www.branch.io/glossary/phone-farm/
• https://clickpatrol.com/phone-farms/
• https://www.airbridge.io/glossary/phone-farms#:~:text=A%20phone%20farm%20is%20a,monitor%20the%20tasks%20being%20performed
• https://innovation-village.com/phone-farms-exposed-the-sneaky-tech-behind-fake-likes-clicks-and-more/

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Introduction

The whole world is shifting towards a cashless economy, with innovative payment transaction systems such as UPI payments, card payments, etc. These payment systems require processing, storage, and movement of millions of cardholders data which is crucial for any successful transaction.

And therefore to maintain the credibility of this payment ecosystem, security or secure movement and processing of cardholders data becomes paramount. Entities involved in a payment ecosystem are responsible for the security of cardholders data. Security is also important because if breaches happen in cardholders data it would amount to financial loss. Fraudsters are attempting smart ways to leverage any kind of security loopholes in the payment system.

So these entities which are involved in the payment ecosystem need to maintain some security standards set by one council of network providers in the payment industry popularly known as the Payment Card Industry Security Standard Council.

Overview of what is PCI and PCI DSS Compliance

Earlier every network providers in the payment industry have their own set of security standards but later they all together i.e., Visa, Mastercard, American Express, Discover, and JCB constituted an independent body to come up with comprehensive security standards like PCI DSS, PA DSS, PCI-PTS, etc.  And these network providers ensure the enforcement of the security standards by putting conditions on services being provided to the merchant or acquirer bank.

In other words, PCI DSS particularly is the global standard that provides a baseline of technical and operational requirements designed to protect account data. PCI DSS is a security standard specially designed for merchants and service providers in the payment ecosystem to protect the cardholders data against any fraud or theft.

It applies to all the entities including third-party vendors which are involved in processing storing and transmitting cardholders data. In organization, even all CDE (Card Holder Data Environment) including system components or network component that stores and process cardholders data, has to comply with all the requirements of PCI compliance.  Recently PCI has released a new version of PCI DSS v4.0 a few months ago with certain changes from the previous version after three years of the review cycle.

12 Requirements of PCI DSS

This is the most important part of PCI DSS as following these requirements can make any organization to some extent PCI compliant. So what are these requirements:

• Installing firewalls or maintaining security controls in the networks
• Use strong password in order to secure the CDE( Card holders data environment)
• Protection of cardholder data
• Encrypting the cardholder data during transmission over an open and public network.
• Timely detection and protection of the cardholders data environment from any malicious activity or software.
• Regular updating the software thereby maintaining a secure system.
• Rule of business need to know should apply to access the cardholders data
• Identification and authentication of the user are important to access the system components.
• Physical access to cardholders data should be restricted.
• Monitoring or screening of system components to know the malicious activity internally in real-time.
• Regular auditing of security control and finding any vulnerabilities available in the systems.
• Make policies and programs accordingly in order to support information security.

How organization can become PCI compliant

• Scope: First step is to determine all the system components or networks storing and processing cardholders data i.e., Cardholders Data Environment.
• Assess: Then test whether these systems or networks are complying with all the requirements of PCI DSS COMPLIANCE.
• Report: Documenting all the assessment through self assessment questionnaire by answering following questions like whether the requirements are met or not? Whether the requirements are met with customized approach.
• Attest: Then the next step is to complete the attestation process available on the website of PCI SSC.
• Submit: Then organization can submit all the documents including reports and other supporting documents if it is requested by other entities such as payment brands, merchant or acquirer.
• Remediate: Then the organisation should take remedial action for the requirements which are not in place on the system components or networks.

Conclusion

One of the most important issues facing those involved in the digital payment ecosystem is cybersecurity. The likelihood of being exposed to cybersecurity hazards including online fraud, information theft, and virus assaults is rising as more and more users prefer using digital payments.

And thus complying and adopting with these security standards is the need of the hour. And moreover RBI has also mandated all the regulated entities ( NBFCs Banks etc) under one recent notification to comply with these standards.