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Almost everyone shops online Via Mobile or PC, and all of them want it to be as convenient and simple as possible. Therefore safeguarding your data is the most important step to take. Here’s how to.
By Paying utility, credit card, insurance and phone bills through Mobile devices is a unique way to save users a lot of time and effort. The process is simple and efficient. Apart from these payments, you can support charity causes from your home or place of work via online payment services. However, there is a growing concern over cases of cyber-theft, which include identity theft and financial fraud. This legitimate and practical steps will safeguard online payments, with a view to reducing or eliminating cyber-theft.

TIPS TO HELP YOU OVERCOME CYBER THEFT

1. Check Websites For HTTPS.

The first sign of security you should look out for whenever you log in to any website via your mobile or any other gadget is HTTPS. This secure connection will give you the needed guarantee that whatever transaction takes place between you and the site is exclusively restricted to only you and the system.

Note: that if the HTTPS is missing an “S”, it is a red flag. Don’t log in. The site is definitely not secure for vital transactions.

2. Always Update Your Gadgets.

Do you have any idea why browser apps are updated regularly? It is an effective method of blocking potential security loopholes in outdated versions. To take advantage of these security features, which can guarantee you adequate protection from malware and other software programs that can put you at risk of cyber-theft, always update your browser app.

According to Charles J. Harris, the executive vice president of TSYS Merchant Solutions, “You should update your device to the latest version of its operating system to ensure you are as secure as possible. If this is not possible (some older devices cannot update to the latest version of the operating system due to hardware limits), upgrade to a new mobile device to stay current.”

3. Keep Public WiFi At Arm’s Length.

If you are shopping outdoors, always reject the temptation to use public WiFi. If you use it, you are unknowningly exposing yourself to cyber-theft. Instead of using it, stick to the old-school way of doing things, use 3G/4G for browsing.

If you are shopping from home either through Mobile phones or pc, ensure that you are browsing on a network that is protected by WPA-2 and enable the encryption settings. This should give you maximum security from potential cyber thieves.

4. Look For Important Security Signs.

One of the security signs you should look out for is a small padlock on browsers. If you want to make an online purchase via Mobile phones or other gadgets and this padlock icon is missing, try another store. The padlock is a sign of security for data and information. If the icon is conspicuously absent, any private data that you transfer may be compromised.

Don’t be in a hurry to make that purchase. Look for that seemingly unimportant icon as well as many other signs that assure you of security. It could make the difference between the protection or loss of your money.

5. Don’t Expose Your Log-In Credentials.

Accidental exposure of your log-in details will automatically put you at risk of cyber-theft. There are cyber-criminals who are adept at punishing people who make such mistakes. Before you can even raise an alarm, your money might have developed wings and gone. That will be hard on you.

6. Don’t Store Sensitive Data On Your Mobile Device.

Some mobile device users have the habit of storing important and sensitive card data on their devices. The rationale behind the habit is to have easy access to their data whenever they need it. That is good. It will make online purchases more convenient.

If you can have easy access to your credit card data, don’t you think others will have access to the same pieces of information if the device is stolen? If you practice that habit, stop it. If you are contemplating cultivating the habit, don’t. It is the easiest way to expose yourself to theft. If the app you are using for payment has “store and forward” feature, turn it off.

7. Use A Complex Password Or Security Pattern On Your Device.

This tip is very useful for making you invulnerable to cyber-theft if your mobile device accidentally gets into the wrong hands. You could use hard-to-break passwords or patterns gotten from a random password generator. When you do, the chances that others will lay their hands on your transactions history and use the information to hurt you will be immediately reduced.

You can also make provision for automatic locking if the device is idle for a pre-determined period of time.

These suggestions are simple and effective. If you can cultivate the habit of taking these precautions, you will be able to safeguard yourself from jobless online thieves who are ready to prey on you.

Shop Safely!

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