DE LOS DERECHOS POR SERVICIOS DE CONTROL VEHICULAR

1. Don’t

 _{Judge by Initial Appearances}

It may seem obvious, but consumers need to remember that just because something appears on the Internet- no matter how impressive or  profe ssional the Web site looks - doesn‘t  mean it's true. The ready availability of

software that allows anyone, at minimal cost, to set up a professional-looking Web site means that criminals can make their Web sites look as impressive as those of legitimate e-commerce merchants.

2. Be Careful About Giving Out Valuable Personal Data Online

If you see e-mail messages from someone you don't know that ask you for  personal data -such as your Social Security number, credit-card number, or  password - don't just send the data without knowing mo re about who's

asking. Criminals have been known to send messages in which they  pretend to be (for examp le) a sys tems admi nistra tor or Internet service provider representative in order to persuade people online that the y should dis close v aluable personal data.

3. Be Especially Careful About Online Communications with

Someone Who Conceals His True Identity

If someone sends you an e-mail in which he refuses to disclose his full identity, or uses an e-mail header that has no useful identifying data (e.g., "[email protected]"), that may be an indica tion that the person doesn't want to leave any information that could allow you to contact them later if you have a dispute over undelivered goods for which you paid. As a result, you should be highly wary about relying on advice that such people give you if they are trying to persuade you to entrust your money to them.

4. Watch Out for "Advance-Fee" Demands

In general, you need to look carefully at any online seller of goods or services who wants you to send checks or money orders immediately to a post office box; before you receive the goods or services you've been  promi sed. Legitimate startup "dot.com" comp anies, of course, m a y

n o t h a v e t h e b r a n d - n a m e r e c o g n i t i o n o f l o n g - e s t a b l i s h e d c o m p a n i e s , a n d s t i l l b e f u l l y capable of delivering what you need at a fair price. Even so, using the Internet to research online companies that aren't known to you is a reasonable step to take before you decide to ent ru st a significant amount of money to such companies.

5. SUGGESTIONS ON CYBER MONEY LAUNDERING

Because of the nature of Cyber money laundering, no country can effectively deal with it in isolation. Cyber money laundering has to be dealt with at org ani zationa l [Ba nk or Financial Institution], national.

AT ORGANIZATIONAL [BANK] LEVEL

The banking and other financial organisations can reduce the quantum of money laundering by following the guidelines issued by central banks of respective countries in letter and spirit. The old principle of ‗Knowing the customer‘ well will help a great deal.

CONCLUSION

Lastly I conclude by saying that―

Thieves are not born, but made out of opportunities.‖

This quote exactly reflects the present environment related to t ec hn ol og y, w he re i t i s c h a n g i n g v e r y f a s t . B y t h e t i m e r e g u l a t o rs c o m e u p w i t h p r e v e n t i v e m e a s u r e s t o p r o t e c t

customers from innovative frauds, either the environment itself changes or new technology emerges. This helps criminals to find new areas to commit the fraud. Computer forensics has developed a s a n i n d i s p e n s a b l e t o o l f o r l a w e n f o r c e m e n t . B u t i n t h e digital world, as in the physical world the goals of law enforcement are

 balanced with the goals of maintaining personal liberty and privacy. Jurisdiction over cyber crimes should be standardized around the globe to make swift action possible against terrorist whose activities are endearing security worldwide. The National institutes of justice, technical working group digital evidence are some of the key organization involved in research. The ATM fraud is not the sole problem of  banks alone. It is a big threat and it requires a coordinated and coo pera tive action on the pa rt of the bank, customers and the law enforcement machinery.

The ATM frauds not only cause financial loss to banks but they also undermine customers' confidence in the use of ATMs. This would deter a greater use of ATM for monetary transactions. It is therefore in the interest of banks to prevent ATM frauds. There is thus a need t o t a k e  p r e c a u t i o n a r y a n d i n s u r a n c e m e a s u r e s t h a t g i v e g r e a t e r " p r o t ection" to the ATMs, particularly those located in less secure areas. The nature and extent of precautionary measures to be adopted will, however, depend upon the requirements of the respective banks. Internet Banking Fraud is a fraud or theft committed using online technology to illegally remove money from a bank account and/or transfer money to an account in a different bank. Internet Banking Fraud is a form of i d e n t i t y t h e f t a n d i s u s u a l l y m a d e p o s s i b l e t h r o u g h techniques such as phishing.

Credit card fraud can be committed using a credit card or any similar  payment mechanism as a fraudulent source of funds in a transaction. The  purpose may be to obtain goods w i t h o u t p a y i n g , o r t o o b t a i n

u n a u t h o r i z e d

f u n d s f r o m a n a c c o u n t . C y b e r s p a c e a n d c y b e r pa yme nt

methods are being abused by money launderers for converting their dirty money into legal money. For carrying out their activities

lau ndere rs need bank ing syst em. Inte rnet , onli ne banking facilitates speedy financial transactions in relative anonymity and this is being exploited by the cyber money launderers. Traditional systems like credit cards had some security features built into them to prevent such crime but issue of e- money by unregulated institutions may have none. Preventing cyber money laundering is an uphill task which needs to be tackled at different lev els. Thi s has to be fought on three planes, first by banks/ financial in st it ut ions , sec ond by nation states and finally through international efforts. The regulatory framework must also take into account all the related issues like development of e-money, right to privacy of individual. International law and international co-operation will go a long way in this regard.

Capacity of human mind is unfathomable. It is not possible to eliminate cyber crime from the cyber space. It is quite possible to check them. History is the witness that no legislation has succeeded in totally eliminating crime from the globe. The only possible step is to make people awa re of th ei r righ ts an d duties (to report crime as a collective duty towards the society) and further making the application of the laws more stringent to check crime. Undoubtedly the Act is a historical step in the cyber world. Further I all together do not deny that there is a need to bring changes in the Information Technology Act to make it more effective to combat cyber crime.