Banking on the InternetThe latest case of fraud in online banking is widening

Süddeutsche Zeitung Wirtschaft Bankgeschäfte im InternetEnlarge image

Illustration: Dimitrov / SZ

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  • In recent cases of fraud in online banking is considerably higher than previously thought.
  • Also other telephone companies customers are affected.
    By Harald Freiberger and Helmut Martin-Jung
    The fraud Series online banking with the so-called mTAN process expands.Initially it looked as if only mobile customers of Telekom affected. On Wednesday told the Süddeutsche Zeitung that there is at least one case with the mobile operator Telefónica. The previous estimate that the damage amounts to at least one million euros is likely to be an underestimate. According to information from police sources, the amount of loss is towards two million euros. 34 million customers in Germany use online banking. You wonder how they can protect themselves from fraud. The most important questions and answers.
    What is it exactly?
    When mTAN process an online banking customer are first the transfer data into his computer. Then he receives a transaction number (TAN) by SMS to his mobile phone, which he types in turn, into the computer. The method which was introduced in four years ago, was considered safe because it two separate systems are required. When the previous procedure with TAN lists which sent the bank a letter, it came again and again to fraud. But even when mTAN method there was in 2013 and 2014 already fraud waves. Banks and mobile operators increased on their security measures. Now scammers have however identified a new vulnerability.
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    SMS-TAN procedureSerie fraud in online banking

    Million people use online banking SMS-Tan.This supposedly safe method has been cracked, criminals booked with telecom customers large sums from.
    How the scam work?
    The perpetrators hack initially with spyware, for example, a Trojan horse, in the computer of the bank customers. They scout out the access to the online account, including your password, as well as the number of mobile customers.With these data, give the offenders against the Telekom hotline from as an employee of a mobile shops. You report the alleged loss of the SIM card of a customer and share with trying to activate a replacement card. So they can get the mTAN on their own mobile phone and cause the fraudulent transfers.