BBC 6分钟英语 你会成为网络欺诈的受害者吗？

English

from BBC Learning English. Hello. This is 6 min English from BBC Learning English.

I'm Neil, and I'm Georgina. Are you good at remembering your computer passwords?

Georgina Um, not really. Now, I mostly use something easy to remember, like my mother's major name, all the street where I was born, all

the name of your 1st pet.

Yes, me too. But we should be more careful about online security.

Georgina because of a worrying trend, and the topic of this program online fraud.

Online fraud involves using the Internet to trick someone into giving away their money or data.

It takes many forms, from deceptive emails, which trick us into paying money to the wrong bank account to the theft of credit card details.

It's regarded by some as a highly profitable and relatively low risk crime, so in this program, we'll be finding out why it's so easy for criminals or fraudsters to steal our money, and of course, we'll be learning some relative vocabulary along the way.

But 1st, it's time for our quiz question.

In July 2029, british men were arrested for defrauding the Corona virus job retention scheme, a government fund for workers who've lost their jobs to cove.

At 19, they set up fake companies and applied fraudulently for money.

But how much money has been claimed in total through the Corona Virus job scheme in the UK?

Is it a 17 billion lb? B 27 BILLION LB?

Or C 37 billion lb? Hmm, it must be a lot, so I'll say a 17 billion lb.

OK. Georgina will find out later.

Now, rachel Toeback, CEO of Social Proof Security, is an expert in cyber crime.

She describes herself as an ethical fraudster.

Businesses wanting to combat fraud employ her to hack into their computer systems to find their weak spots.

Here, rachel explains to BBC World Service program The Inquiry, how getting people's information is the key to online fort.

The reason why we're able to do that from an attacker mindset is because we use what's called open source intelligence.

We look up everything about you.

We can figure out who your assistant is, who your accountant is on linked in.

We know what emails you use from screenshots that you put on your Instagram.

Rachel looks at fraud from a criminal's mindset, someone's way of thinking, and the general attitudes and opinions they have about something.

From a forecaster's perspective, the most valuable thing is intelligence, secret information about a government or country, or in this case, a person, such as the information people unwittingly post on social media.

Fraudsters use this intelligence to build up a picture of someone's online activity.

And as BBC World Service, the inquiry percent of Sherman Cosia explains, there are many ways of doing this.

Fraudsters have thousands of cover stories, but the end goal is always the same to trick people out of cash or possessions.

Rachel says they have options for how to do that.

Log In detail stolen during a data breach from one company, often using software or viruses called malware are used to infiltrate customer accounts at another to access people's data.

Fraudsters use cover stories, false stories told in order to hide the truth, e.g.

they may pretend to be calling from your bank or credit card company.

If people believe these cover stories and share personal data, this can result in a data breach, an occasion when private information can be seen by people who should not be able to see it.

Malware, computer software and viruses that are designed to damage the way a computer works can also be used to gain log in details and passwords, data, which is then used to infiltrate other online accounts, secretly enter a place, group or organization in order to spin it or influence it.

Modern fraudsters are so devious at collecting online information that many victims only realize what's happened after their bank accounts have been emptied, which I guess was the mindset behind those British forces you mentioned earlier.

Now, ah, yes, the nine men who tried to defraud the Corona Virus jobs retention scheme.

Remember, for my quiz question, I asked you how much the scheme has paid out in total so far in the UK.

I set a 17 billion lb. Well, in fact, it's even more.

The correct answer is b 27 billion lb.

Luckily, the 495000 lb which these fraudsters tried to steal was recovered even so now I think I'm going to change my password soon.

Better safe than sorry. Good idea, georgina.

In this program, we've been hearing about the rise in online fraud, often committed when fraudsters gain intelligence secret information about a person posted on the Internet.

These criminals mindset, or mentality, is to surptishly find information by creating a cover story, a full story, someone tells in order to hide the truth, by posing as

clerks from your bank, e.g., they might be able to access sensitive, private information which they should not be able to see, an event sometimes called the data breach.

Another way foresters infiltrate or gain access secretly without permission is with the use of Mauwa computer software

and viruses designed to damage the way a computer works.

If you want to find out more about keeping yourself safe from online fraud, search the BBC website using the term cyber security.

And if you like topical discussion and want to learn how to use the vocabulary found in headlines, why not check out our news review podcast.

We also have a free app you can download for Android and Ios.

And for more trending topics and real life vocabulary, look no further than six women English from BBC learning English.

See you next time. Bye. Good Bye.

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