UPI, debit card, credit card, net banking और wallets ने payments को आसान बना दिया है, लेकिन इसके साथ-साथ online transaction frauds भी तेज़ी से बढ़े हैं।
अक्सर लोग पूछते हैं:
👉 What are the five types of frauds in online transactions?
👉 Online payment fraud आखिर कैसे होता है?
इस article में हम simple Hindi (keywords English me) में समझेंगे कि online transactions में होने वाले 5 सबसे common frauds कौन-से हैं, ये कैसे काम करते हैं और इनसे कैसे बचा जा सकता है।
Five Types of Frauds in Online Transactions
Online transactions में ज़्यादातर ये 5 types of frauds देखने को मिलते हैं:
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UPI Fraud
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Debit / Credit Card Fraud
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Phishing Fraud
-
Fake Shopping / E-commerce Fraud
-
OTP & Social Engineering Fraud
1️⃣ UPI Fraud
UPI fraud भारत में सबसे तेजी से बढ़ने वाला online transaction fraud है।
How It Happens:
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Fake payment request भेजना
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“Money received” का fake screenshot
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QR code scam
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Refund ke naam par request
User जैसे ही:
❌ Approve पर click करता है
❌ PIN enter करता है
👉 पैसा account से निकल जाता है।
Why It’s Dangerous:
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Instant transactions
-
No reversal guarantee
-
Mostly real-time loss
2️⃣ Debit / Credit Card Fraud
Debit card fraud और credit card fraud online transactions में बहुत common हैं।
How It Happens:
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Card details leak
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Fake websites
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Data breach
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Skimming devices
Attacker:
✔ Card number
✔ CVV
✔ Expiry date
का misuse करता है।
Example:
International online purchases बिना OTP के हो जाना।
3️⃣ Phishing Fraud
Phishing fraud सबसे पुराना लेकिन आज भी सबसे effective online fraud है।
How It Happens:
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Fake emails
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Fake SMS
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Fake bank websites
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Fake KYC update links
Victim:
❌ Login details
❌ OTP
❌ Card info
खुद share कर देता है।
📌 Phishing attacks का main target human trust होता है।
4️⃣ Fake Shopping / E-commerce Fraud
यह fraud अक्सर:
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Festivals
-
Sale seasons
में बढ़ जाता है।
How It Happens:
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Fake shopping websites
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Social media ads
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Cheap deals
User:
✔ Payment करता है
❌ Product कभी deliver नहीं होता
या:
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Duplicate / damaged product मिलता है
-
Return option नहीं होता
5️⃣ OTP & Social Engineering Fraud
Social engineering fraud में attacker technology से ज़्यादा insaan ko manipulate करता है।
Common Tricks:
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“Bank se bol raha hoon”
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“Account block ho jayega”
-
“Refund process chal raha hai”
Victim:
❌ OTP
❌ PIN
❌ Verification code
share कर देता है।
👉 Fraud instantly complete ho jata hai।
Why Online Transaction Frauds Are Increasing
-
Digital payments ka fast growth
-
Awareness ki kami
-
Trust-based systems
-
Fake apps & websites
📈 Cyber criminals naye-naye methods try kar rahe hain।
How to Protect Yourself from Online Transaction Frauds
✔ Never share OTP, PIN or CVV
✔ Unknown payment requests reject karein
✔ Only trusted apps & websites use karein
✔ Bank alerts & SMS regularly check karein
✔ Suspicious links par click na karein
👉 Awareness + alertness = best protection
What to Do If You Become a Victim of Online Fraud
1️⃣ Bank ko turant inform karein
2️⃣ Card / UPI block karein
3️⃣ Cyber crime complaint file karein
4️⃣ Transaction details save rakhein
📌 Jaldi action lene se recovery ke chances badhte hain।
Legal Protection in India
भारत में online transaction fraud:
✔ IT Act 2000
✔ IPC sections
के तहत punishable offense hai।
✔ Jail
✔ Fine
✔ Account freezing
possible hai।
Conclusion
अगर सवाल हो:
👉 What are the five types of frauds in online transactions?
तो जवाब है:
✔ UPI fraud
✔ Debit/Credit card fraud
✔ Phishing fraud
✔ Fake shopping fraud
✔ OTP & social engineering fraud
Online payments safe hain, lekin sirf tab tak jab tak user aware rahe।
CyberAlert.in ka goal hai logon ko online fraud se bachana — bina dar failaye, sirf sahi jankari ke saath।
🔹 FAQ / QnA Section
Q1. Which is the most common online transaction fraud in India?
UPI fraud sabse common hai।
Q2. Can banks refund money lost in online fraud?
Early reporting par refund possible ho sakta hai, guarantee nahi hoti।
Q3. Are online transactions safe?
Haan, agar user security rules follow kare।
Q4. Where can I complain about online fraud in India?
Government cyber crime portal par complaint ki ja sakti hai।
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