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Don’t Let the Bad Guys Steal Your Holidays!
Author: Esther Silver
Learn about safe online shopping practices and pass the quiz at the end of the article and you could win one of six $50 Amazon gift cards!
Online shopping has become a familiar go-to: in just a few clicks, your order is processed and on its way to your door. It’s tough to beat the ease and convenience, making the holiday season the perfect time for cybercriminals to take advantage of unsuspecting online shoppers. This could easily turn your hassle-free online shopping experience into a red-tape nightmare.
According to CSO Online, "Research from TransUnion discovered that almost 18% of all global e-commerce transactions between Thanksgiving and Cyber Monday were potentially fraudulent, a 4% increase on the same period last year. "
To ensure you have a safe shopping experience, we’re providing useful information and entry into a prize drawing for everyone who passes our online quiz.
Common ways that attackers take advantage of online shoppers include:
- Creating fraudulent sites and email messages
- Intercepting insecure transactions
- Targeting vulnerable computers
Fortunately, many cyber-threats are avoidable. When you shop in person, you most likely lock the car and put away your cash or credit card when you’re done with your purchase. Similar habits can protect you, your purchases, and your identity when you're shopping online – both during the holiday season and year-round:
- Shop reliable websites and get there safely. If an offer sounds too good to be true, it probably is! Don't be fooled by the lure of great discounts by less-than-reputable websites or fake companies. Use the sites of retailers you know and trust and get to their sites by directly typing a known, trusted URL into the address bar instead of clicking on a link.
- Beware of seasonal scams. Fake package-tracking emails, fake e-cards, charity donation scams, and emails requesting that you confirm purchase information are particularly common around the holidays. Use known, trusted URLs instead of clicking on links.
- Conduct research. There are a lot of fake and malicious companies out there this time of year. When considering a new website or online company for your holiday purchases, read reviews and see if other customers have had positive or negative experiences with them. Also verify the website has a legitimate mailing address and a phone number for sales or support-related questions. If the site looks suspicious, call and speak to a human.
- Always think twice before clicking links or opening attachments – even if they appear to be from people you know, legitimate organizations, your favorite retailers, or your bank. Messages can easily be faked. Use known, trusted URLs instead of clicking on links. And only open known, expected attachments. When in doubt, throw it out!
- Keep clean machines! Before searching for that perfect gift, make sure your device, apps, browser, and anti-virus/anti-malware software are patched and up to date.
- Protect your passwords. Make them long and strong, never reveal them to anyone, and use multi-factor authentication (MFA, also called two-factor or 2-step authentication) wherever possible.
- Look for https:// (not http) in the address bar before using your credit card online.
- Check your credit card and bank statements regularly. These are often the first indicators that your account information or identity has been stolen. If there is a discrepancy, report it immediately.
- Stay safe with text alerts. Most banking apps and sites provide the option to set alerts, such as a text message for every transaction over a specified dollar amount or a daily text summary of your current balance. Set these alerts and use them to spot signs of unusual activity.
- Check your credit report at least annually. Federal Trade Commission information about getting free credit reports and what to do if you find discrepancies
- Secure your home wi-fi. To prevent eavesdroppers and data thieves, enable strong encryption on your home wireless network. WPA2 is recommended. Set a strong passphrase (12 characters or more), change your network’s name (SSID) from the default to something not obviously belonging to you, and limit who has administrative access to your home network. Finally, log into your wireless router periodically to check for software updates (many home routers don’t auto-update).
- Get savvy about wi-fi hotspots and public computers. Treat all wi-fi hotspots and public computers as compromised, even if they appear to be safe. Limit the type of business you conduct on them, including logging in to key accounts, such as email, banking, and shopping. And set your devices to “ask” before joining new wireless networks so you don’t unknowingly connect to an insecure or fraudulent hot spot.
Protect yourself online
- Unique account, unique password: Having separate passwords for every account helps to thwart cybercriminals. At a minimum, separate your UCSF and personal accounts and make sure that your critical accounts have strong passwords – and multi-factor authentication if possible.
- Don't ever provide your financial information or personal information via email or text.
- Pay by credit card, not debit card. Credit cards offer protections that may reduce your liability if your information is used improperly. Debit cards typically do not have the same level of protection.
- A related tip is to use a separate credit card for your digital transactions only. While this won’t prevent theft, it will limit your exposure and make online fraud easier to detect.
- Use only apps from known, reputable sources. Less reputable apps can include malicious software ("malware") designed to steal credit card and other sensitive information. Keep your apps up to date.
- Don't respond to pop-ups. Ignore pop-up offers and deals. Just close them. Don’t respond, click on the links, or call the phone numbers. Similarly, don’t respond to popups saying that you need to buy anti-virus software or software to “clean your infected computer”. These are all scams.
- Don't auto-save your passwords or credit card numbers. The inconvenience of having to reenter the information is insignificant compared to the amount of time you would spend trying to repair the loss of your stolen information.
- Secure all your devices with a complex password. Don’t use the password for any other accounts. Set a timeout that locks your devices after a period of inactivity and be sure they require a password or other authentication to start up or resume activity.
- Disable Bluetooth, wireless, and Near Field Communications (NFC) when not in use to reduce the risk of your data being intercepted by thieves. Some stores and other locations also look for devices with wireless or Bluetooth turned on to track your movements while you are within range.
Take the IT Security Awareness quiz. Everyone who passes is entered to win a prize! The prize for passing this quiz is an entry in a drawing for one of six $50 Amazon gift cards.
Shopping security resources
- SANS, Shopping Online Securely
- Proofpoint Security, Security Spotlight: Avoiding Holiday Shopping Scams
- Salesforce, How COVID-19 Will Shape the 2020 Holiday Season: 5 Predictions on the Future of Retail
- Cybersecurity & Infrastructure Security Agency (CISA): Online Holiday Shopping Scams
- National Cybersecurity Alliance: Online Shopping