Using a browser to get your mobile recharge done online? Hope you exercise the required amount of caution and care while doing so as browser enabled financial transactions are being repeatedly targeted by malevolent people with the sole objective of using the critical personal data for their own good.
The history of cyber criminals go a long way back. But as we use technology – the internet and the smart phone, computer or laptop – we need to educate ourselves on ways and means to minimize such threats. Some of the common practices include:-
- Wherever possible, prefer using the on-screen keyboard to make payments for online shopping, mobile recharge or bill payments rather than the physical keyboard. At public computer terminals like cybercafés, key loggers make use of hardware and software applications that enable them to read the login ids and passwords being typed using the physical keyboard. Comparatively it is difficult to break into the on-screen keyboard – a feature that is provided by most banking and financial institutions in the country.
- Use latest security software and anti-virus programs in order to keep the operating system and the web browser updated. Keeping the system clean against malware and viruses helps makes the system fool-proof and strong against potential malicious programs and software.
- Using private network is always safe. In case using a public Wi-Fi network opt for the one that needs a password to open. Also using one’s private computer terminals, laptop or smart phone is the safest way to keep your sensitive information safe.
- Clean the system – phones, computers and laptops regularly like deleting and uninstalling programs and software that are not required any more.
- Clear the browser cache data and history, especially when using public terminals or hand phone in public places. This is one of the best ways to discourage unwanted people from peeping into your private data. Also never choose to auto-save passwords and login details on the browser, even if it is your personal device.
- While making payments using bank transfer option for mobile recharge the payment processor automatically takes you to the bank Wait for the events to unfold naturally. For any other case where you are prompted by the system to click a link to go to your bank’s website, abstain from using the link. Rather type in the site address on a new browser window. Use the words ‘https’ rather than ‘http’ – the alphabet ‘S’ adds a layer of security to the site. Also websites with a keypad lock symbol indicate that the site is secure and safe for use.
- Make sure to use a retailer App like PhonePe, MobiKwik or Paytm App or retailer website that is reliable and is using end-to-end encryption technology for processing payments. The safest encryption technology in use today is the Advanced Encryption Standard (AES) for effective data protection from initiation of transaction to the point where it ends.
Ensuring mobile recharge is done safely is one of the key responsibilities of the retailer as well as the end user.