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Even if we want to drink tea these days, we take out the phone and QR Scan and pay. But thieves have taken advantage of this and the same name is QR Code Fraud. It is very difficult to recover the money involved in this fraud. We think that QR codes are very safe, but we do not see the cyber crime hidden behind them. This is what cyber criminals take advantage of.

How exactly does fraud happen?

A QR code is a type of square barcode in which a link or UPI ID is hidden. It is not the code that is bad but the link behind it may be bad. Thieves do this in two ways. QR Code Fraud:

First Type – Change in-store QR. You went to a store. Paytm's QR is placed there. What the thief does is stick a fake QR of his own creation on it. Once you scan, the money goes to the thief's account, not the shopkeeper's. Or you go to a fake website and it asks for your bank information. Once you enter the back uncount is below.

Second type – This happens the most. You get a phone call or a message. “You got 5000 cashback”, “Your lottery won”, “I am talking from OLX, I want to buy your stuff, I will send you money”. Then they send you a QR code and tell you to scan it and enter UPI PIN to get paid. This is where everyone falls short. RBI says that never need to scan QR and enter PIN to withdraw money. PIN is required only when sending money. If you enter the PIN to receive money, the money will be deducted from your account.

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What is Quishing?

Quishing with QR + Phishing. When you scan that fake QR, it can unknowingly inject a virus into your phone. That virus steals all the passwords, OTPs from your phone and sends them to the thief's server. Before you know it, your account is down.

Then how to read?

Keep a few things in mind and you won't get cheated. Name Check – See whose name comes up on your phone after scanning the QR. Check if it matches the store name. If you get a different name, cancel it immediately. Remember the PIN rule – this is the most important rule. Withdrawals never require a PIN. Don't give even if someone asks. Don't touch unknown QR – Don't scan any QR on WhatsApp, Telegram. Don't get scammed by lottery, cashback.

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No one pays for free. Keep apps updated – Google Pay, PhonePe, BHIM whatever you use, always keep it updated. It brings a new security. What to do if you fail? If you accidentally fail, don't panic but act immediately. The first one hour is very important, it is called Golden Hour. Call 1930 immediately. This is cyber helpline number. And report by going to the government website cybercrime.gov.in. Police can hold your money if you complain early. In the end, technology is good but keep your eyes open while using it. Think four times before scanning. Even if in doubt, don't scan.