Selfie ID Identity Verification Fraud: What Is It? How To Avoid It? | Cyber ​​Crime | Important news – Fraud through selfie identification: Deepfake photo can empty your bank account, 5 suggestions from experts

Today In today’s era, verification through selfie authentication is common. Government agencies, telecom companies, banking and financial institutions use it to verify your identity and to protect your account. In this process, customers are asked to take a selfie on their smartphone. Sometimes, during the live video, they are asked to show documents and also asked questions. Selfie authentication saves a lot of people’s time. People can get live verification done from home.

However, as easy and convenient as it is, it can also be equally dangerous. Cybercriminals can use your selfie to steal personal and financial information and even empty your bank account.

so today news of need I will talk about what is selfie identification fraud? Also, we will know that-

Expert: Pawan Duggal, Cyber ​​Security and AI Expert, New Delhi

Question- What is selfie identification?

answer- Selfie verification is a secure feature that allows users to digitally verify their identity by capturing their photo live. In this, users are asked to look in different directions, turn their head or make some expressions on their face. In selfie verification, users can verify their identity in just a few seconds from the comfort of their home.

For example, earlier pensioners had to go to the government pension office every year to submit their life certificate. But to make it easier, the Employees Provident Fund Organization (EPFO) provided the facility of submitting face authentication based digital life proof. Through this, pensioners can submit live life certificate from home by installing two apps ‘Aadhaar Face RD’ and ‘Jeevan Pramaan’ in their smartphones. This facility has greatly benefited the elderly and physically disabled people.

Question- What is selfie spoofing?

answer- Selfie spoofing is a cybercrime in which cybercriminals use your selfie to steal your identity and try to access your personal and financial accounts. In this, cybercriminals make some changes in your selfie with the help of AI.

Question – How can fraud happen in the name of selfie authentication?

answer- Cyber ​​security and AI expert Pawan Duggal explains that in this era of Artificial Intelligence (AI), anyone’s deepfake photo or video can be created. Cyber ​​criminals first send a link via email or message to steal your selfie. As soon as you click on this link, your phone gets hacked. After this, the entire control of the phone comes into the hands of cyber criminals. With this, cyber criminals can steal your personal photos, videos or your financial information from the photo gallery.

Understand this from the graphic given below.

Question- How can selfies be misused with the help of deepfake?

answer- Deepfake is a technology through which anyone’s photo or video can be created. AI expert Pawan Duggal says that deepfake technology has advanced so much today that a deepfake video can be created from a photo of a person and the voice can be cloned from just three or four seconds of audio.

Through AI, cybercriminals can copy someone’s voice, photo or even facial expressions in a call or virtual meeting. These are so accurate that it is not possible for everyone to identify them. This can lead to such dangers. Such as-

Identity theft: Cybercriminals can use selfies to steal your identity, making other people victims of theft attacks or phishing.

Making fake videos: Using Deepfake technology, fake videos can be created from your selfies, which can be used to harm your image.

Creating fake accounts on social media: Using your selfie, cyber criminals can create your fake social media account and defraud your friends and acquaintances of money.

Financial Fraud: Cybercriminals can take loans and credit cards in your name using selfies through deepfake technology.

Question: What things should be kept in mind to avoid selfie authentication fraud?

answer- Scammers use many methods to carry out the selfie authentication scam. For this, they use many fake apps that claim to authenticate selfies or beautify photos. To avoid this scam, keep in mind the points given in the graphic below.

Question – What to do if you become a victim of selfie scam?

answer- If you fall prey to selfie scam, first of all change the password of all your social media accounts and online payment apps. Also make your social media accounts private. Freeze your bank accounts immediately. Apart from this, contact the nearest police station or cyber crime helpline number 1930.