Post by account_disabled on Feb 27, 2024 0:44:43 GMT -5
Antifraude pix Browse by topics PIX numbers in Brazil The types of PIX fraud: discover the 8 main ones Facial biometrics as a PIX anti-fraud solution Unico Check: PIX anti-fraud facial biometrics solution Benefits of Unico Check's PIX anti-fraud solution The instant payment system (PIX) has become popular with Brazilians.According to the Central Bank of Brazil, the volume of financial transactions carried out via PIX totaled approximately R$4 trillion in 2021. However, throughout this successful trajectory there have been some setbacks: bad actors have used this type of transfer to commit fraud. Therefore, it is important that your company uses a solutionanti fraud PIX. Often, the media reports a case of PIX fraud or against customers of banks, fintechs, credit card companies, e-commerces, among other segments. From January to June 2021, for example, fraud against bank customers increased by around 165% compared to the first half of 2020,according to a survey carried out by the Brazilian Federation of Banks (Febraban). PIX numbers in Brazil Since November when it was launched by the BC, PIX has already had more than126.6 million users, including 117.6 million individuals and 9 million companies. By the beginning of there were430 million active PIX keys, associated with more than 226 million bank accounts, managed by the 775 institutions participating in this system. The balance is quite significant, taking into account that, until December 2021, there were around182.2 million active bank accounts, according to a BC survey. The types of PIX fraud: discover the 8 main ones Using social engineering techniques, fraudsters induce victims to provide confidential data, make payments or transfers via PIX. 1.
Central fake Posing as a representative of the banking institution Poland WhatsApp Number where the victim has an account, the fraudster makes telephone contact, provides information about the PIX and offers help to register the key. In addition to having personal data shared, the victim is instructed to make the first PIX in order to test the system. 2. Phishing trap Phishing works like “fishing”, that is, the fraudster launches the bait and waits for the catch. The bait, in fact, is a message sent by email, SMS or WhatsApp, inducing the victim to access a link. By doing this, the victim ends up being directed to a fake page. A common scam is to request the completion of a prior PIX registration form to obtain the victim's personal data. 3. WhatsApp cloning Pretending to represent a company in which the victim is registered, the fraudster informs that he will send a code via SMS to update data, which must be resent, authorizing the procedure. When the victim follows the instructions, the false representative obtains the necessary data to clone WhatsApp and subsequently send messages to the victim's contacts, requesting a PIX transfer to resolve an urgent situation. 4. Emergency SMS The fraudster sends a message to thousands of people, reporting a critical situation or carrying out a welfare campaign to justify the request for financial assistance, via PIX. 5. Falso QR Code In this case, the fraud consists of sending a false invoice, with a layout similar to that of a company with which the victim contracted a service. The fake invoice can be paid, with a discount, as long as the procedure is carried out via PIX. 6. Bug do PIX It corresponds to the sharing of messages and videos on social networks, publicizing an opportunity to receive extra money, due to a failure in the PIX system. To do this, it is necessary to make PIX transfers to random keys, informed in the text or video message.
Due to naivety or opportunism, many people end up falling for the scam and, of course, losing the money sent via PIX to the fraudsters' account. 7. Social media ads First, the fraudster steals profiles on social networks. Then, using these accounts, they fake the sale of goods at attractive prices, with payment via PIX, to arouse the interest of the contacts of victims of identity fraudsters. 8. Access to cell phones In possession of third-party cell phones, fraudsters have access to personal data, banking applications, among other information that can pave the way for PIX fraud, among other financial crimes. Facial biometrics as a PIX anti-fraud solution The growing adoption of PIX shows that Brazilians are interested in instant, simple and practical payment systems. In this context, measures to prevent and combat PIX fraud and other virtual crimes against banks, fintechs and credit unions are essential to avoid financial losses, the negative impact on the reputation of these institutions, in the case of fraudulent operations and, mainly, to protect PIX users. One of the solutions that has gained prominence in combating fraud in the financial sector (including PIX) is thefacial biometrics, which uses a photo of the user's face to authenticate digital financial transactions. This technology is safe because each face has unique characteristics and cannot be defrauded. Unico Check: PIX anti-fraud facial biometrics solution Unico has a complete identity identification solution via facial biometrics that can act as PIX anti-fraud, Unico Check. The solution is 99% assertive and, in 2021 alone, prevented almost 730,000 frauds in banks and more than 1 billion in fintechs. Unico Check has two main applications, which operate at different times in the customer journey. Authentication Score The first is theAuthentication Score,generated at the time of registration.