Gadgets and Gizmos (India) - - MOBILES TRENDS -

You ac­tively rely on your cell phone for mo­bile bank­ing and pay­ments. But do you know if your phone is stolen or falls in wrong hands, all your hard-earned money can be lost in a sin­gle sec­ond? Here are a few tips that you should fol­low to pro­tect mo­bile-bank­ing fraud. Ex­er­cise cau­tion.

1 Most of the phones sup­port numeric pass­word lock. Ac­ti­vate one for your phone with a pass­word that is dif­fi­cult to crack. Don’t use your birth date, or your spouse’s or kids’, an­niver­sary date, house num­ber or even tele­phone num­ber as pass­words. These are eas­i­est to crack.

2 If you own a smart­phone, in­stall ap­pli­ca­tions that can pass­word pro­tect a par­tic­u­lar folder and even ap­pli­ca­tions. So even if your phone is stolen, the thief can­not ac­cess in­for­ma­tion stored. Ev­ery time one tries for the to pass­code. ac­cess the pro­tected folder, it asks

3 Never save your ATM pin or your one­time trans­ac­tion pass­word in the phone­book. Even if you do, dis­guise it as a 10digit num­ber by adding a few num­bers that only you need know of.

4 Never dis­close your per­sonal in­for­ma­tion such as ac­count num­ber, pass­word, PAN card num­ber in text mes­sages. These can be used for iden­tity theft.

5 Al­ways keep your phone’s Blue­tooth turned off and don’t ac­cept data from un­known sources. Virus and mal­ware can at­tack phones. Also on An­droid smart­phones, in­stall an anti-virus. These are most vul­ner­a­ble to virus at­tacks

6 Never leave your bank bal­ance mes­sage on your phone.

7 Don’t open un­known web links on your phone.

8 Be­fore hand­ing over your de­vice to oth­ers, wipe out all the per­sonal ac­count in­for­ma­tion.

9 At ran­dom in­ter­vals, change your ac­count pass­word used for mak­ing trans­ac­tions.

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