Hackers are waiting, am I….

Today is the sixteenth lockdown in India due to COVID19 alert. I started morning late. Preparing to pay a visit to my daily emails with tea and today’s newspaper. I have received a call from an unknown caller (+917362951949). I want to disclose as detail as I can so you can aware how HE is prepared to extract details of financial transaction.

The unidentified caller introduced himself as a reputed employee from State Bank of India, Headquarter, Sammriddhi Bhawan, Kolkata. He confidently asked about my last ATM transaction date that I have performed recently. [The point of STRIKE starts here]

I refused to say the details even I replied prompt Bank advertises it does neither and never ask this ever. Therefore, why should I tell you?

The caller might be expecting this answer, he replied well – your ATM service will be blocked from this time and INR 9000 will be deducted from your account.

VERY SHOCKING REPLY

I took time with an excuse; WAIT…I have to find my ATM card to forward the details. As I am prepared to log in my emails, I promptly log in my SBI account. I searched my ATM CARD Details. EVERYTHING IS OK. Nothing is blocked there. I log off – log in again. Searched my ATM details again. There is neither any block warning nor any remarkable notification from my Bank. I recognized the caller is waiting in other side of this voice call. Now I started speaking –

I find everything is ok, how then you can say a Bank can do this.

Now he replied do you like to enjoy the service or I block this service with an official SMS from SBI Headquarter.

I definitely want to enjoy the service.

Now the man replied, then reply the date of expiry of your card.

As my assumption was not to disclose details as I remember Bank does never ever ask these details, still I need to know how far the unidentified caller knows about me. Therefore, I replied with correct expiry date.

Now it gets more interest – he asks is it master card or visa.

Master card

[More intense inquiry] Please tell me the LAST FOUR DIGIT of your card.

I refused to reply and disconnected.

At fraction of seconds I received a SMS where digitally generated and manipulated version of deduction of INR 9000 is mentioned. SHOCKING..[attached the picture ]

Still I try to find where the mismatch is. However, there are series of mismatch from the beginning.

A second voice call came from (+917679089588). Now the unidentified caller using Hindi language.

He enforced me that did you receive Bank SMS? I replied yes.

Did you perform any transaction – I say no..

Did you perform any transaction –  no…. [same question with same answer]

Did you perform any transaction – NO, I don’t perform a transaction. Listen man – if Bank do any step without my concern I shall go to Supreme Court against my Bank. And you should know that I am not a layman. I read your memory and shall never get convinced anything from anybody like you.

Who is going to convince you – You are the man who is trying to convince me that I made a transaction. I completely get your attention.

But your transaction is at risk – It is my problem, I shall deal with my transaction and my cash balance, why are you so interested on my transaction. Let me inform the Police against you- wait.

The voice call disconnected.

I have learned many things from the above today. As the assumption saturated my mind that Bank never ever asks details of transaction, ATM pin, account no etc. therefore, mind was prepared not to disclose anything to this unidentified caller. However, I need to observe how far he knows about me.

It is observed this type of caller does not wait to think. One needs to reply promptly. Therefore one needs to follow the path where HE is taking you away. The alert system of pre-assumption made a strong defense – not to disclose the Key in this issue. If I would have been either provided the last four digits of ATM card or ATM pin (what he didn’t get time to ask) – I would have lost everything. Kindly observe the picture attached herewith how carefully the digitally generated SMS has been created to extract details – (1) the SMS has forwarded from a private number not from Bank server; (2) SBI ATM SMS always contain invisible first five digits and visible last six digits – total eleven digit of account number – in this case only last four digits are four crosses; (3) amount INR 9000.00, date, time, ATM id is marked with hyperlink; (4) the SMS defines my account is nil after this transaction.

Figure 1

Figure 2

As technology find new way to secure transaction, hackers finds complicated path to distract an individual. I must conclude with the one that boundary line between me and the Crime is how far am I alert. If I am alert then I can dodge the crime. So be careful and alert always.        

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Go back #COVID19 (2)

WHO Experts are emphasizing on triple T and I formula mean Trace, Track, Treat and Isolate formula to attain Break the Chain of Corona Virus. Initially Administration have to trace the most probable cases may be the link embedded with current COVID19 patients and their family members. Administration need to track the further probable cases that either be less probable or may arise symptoms within next fortnight. A next prescribed step is to treat these all on top priority. And finally isolate them in most comfortable zone to arrest the infection from the rest World. This is the most scientific way to fight battle with COVID19 till date.

Today the movement of people is completely restricted in India. Therefore the probability of infection from foreign countries is nil. This is however true people came back home after a foreign travel might be a carrier of the deadly virus. It is requested from Administration to stay home quarantine for fourteen more days, if you have a travel history. The objective is if there is any virus infected person, the symptoms will definitely reported within 14 days. Every epidemic has its own history. History says about its appearance, proliferation in man, whether proliferated to livestock, amount of severity, death toll and finally how man had overcame the hurdle. It is pertinent to mention here that, appearance of Corona virus and volume of spread and the disaster in consequence is so sudden and unprecedented that it made the World lockdown inside room. There is no better way except lockdown.

    

In India people participated ‘Janata Curfew’ on 22^nd March 2020. With a successful response of the day the Union Health Administration inspired to invite 21 day complete lockdown all over the country. However, lockdown was initiated at 00:00 on 25^th March 2020 and it will run to 23:59 on 14^th April, 2020. All the mega events of sports, religious affairs, political assembly, cultural events etc. is forbidden in this period. Airways, Railways and Roadways are closed and borders of states are sealed. It is advised to stay home and stop any human movement on this period. It is estimated that the consequence will definitely be reported by 4^th or 5^th April 2020. And experts say that 5^th April 2020 results will be the final affected cases and attain a saturation. It is expected no further increase of cases may happen after this date. However, this is a far more favorable condition for India. Till the lockdown period we need to perform the triple T and I formula so that there would have favorable number of cure patients in state, which inevitably build confidence. However, situation is tougher than it seems.

There is a tendency not to disclose the travel history to health officials and doctors from the patients who have Corona similar symptoms. People are not interested to get tested. However, the awareness becomes so high, neighbors taking initiation and invite health officials in block level along with Police personnel. Therefore, it became easier to administration to track the potential cases. It is glad to see people embarked temporary blockade to their premises. Outsiders are forbidden for lockdown period, insiders are allowed to move if there is a necessity. Therefore, movement is restricted almost in all dimensions.

Restriction and social distancing are also being maintained market places. People are maintaining at least one meter distance among each other. Some sellers are refused to sale products if an individual is refused to stand on marked white line. It is hard to find people in a market. It is really astonishing that people are selecting time zones suitable to purchase consumables. This is however alarming that people are aware about the issue and co-operating with Administration to move a resolution. On this very crisis, online delivery system has withdrawn its delivery services. Technically updated people, who depend on online delivery services, are facing problems. On the other hand, volunteers are distributing food-grains to poverty line people. As a consequence, there is neither a panic but stability in market sustains.

It is also pertinent to mention that, Administration has a strong vigil to ensure no movement is being performed. However, it is gratified to express that we are on the path to overcome this calamity. This is the war, for the people, by the people, of the people would be concluded satisfactorily.

Again it is to mention, the environment is pollution free on this days. We are failed to inhale carbonated air. Less movement inevitably invited lesser sound pollution. Apart from this the clear blue sky is visible. Nature invites her harmony and integrated a pollution free environment again for the rest World. And Civilization is blessed.