In this Computer Modernization world, where every computer user is dependent on the internet for all of their transactions, business, works etc. it is estimated that almost 90% Internet Users are Vulnerable. A survey of more than 5,000 active Internet users across 10 cities in India says that users are becoming increasingly concerned about online security. 90% of the respondent Internet users have experienced some cases of Cyber Fraud, such as Data Theft, Fake Emails, Financial Losses, Phishing, Credit Card Fauds, Key Logging, and many more. Instead of Cyber security solutions, most of the Internet users are not even aware that they are suffering from all of these Cyber Frauds. If we see and compare the stats, we get to know that the Cyber Frauds have been increased up to 70% than the previous year and this ratio is rising up day by day.

The survey, conducted by VeriSign and IMRB highlighted that 60% of respondents access the Internet frequently – at least four to six times a week-and 44% shop online with 53% engaging with user generated content (e.g., social networks and blogs). Despite the Internet-savvy of the respondents, the survey revealed:

• 38% of survey respondents use the same passwords for multiple Logins.
• 11% look for authenticity of the Web site by looking at the security provider.
• 32% create a secret question that only they can answer.
• 83% do not look for secure Web sites (https:)

Around 84% would like to use two factor authentication process (2FA) to secure their online transactions. 2FA is a verification process in which an additional dynamic password is generated at the log in stage by a device such as a credit-card form factor, token or mobile phone in addition to the user name and password.

"As we move more of our lives online, fraud threats follow closely behind,” said Shekhar Kirani, Country Manager, VeriSign India. “This study indicates that while users may be unaware of how to protect themselves online, their desire to be safe is high. The key is to keep one step ahead by knowing how to protect ourselves online, embracing best practices and using the latest technologies.” The study also indicates that the Indian mobile users will face issues from Cyber Fraudsters in the upcoming years. Mobile subscribers who access Internet using their phones are increasing and the concept of M-Commerce is rising up and is in the high demand. With the advent of 3G, the mobile Internet number will go up definitely.

Awareness and knowledge are the keys to combating Cyber Fraud. To this end, VeriSign has compiled five security tips to follow for a safer online experience.

1. Look for visual cues: Prominent misspellings and frequent grammatical errors are signs that a Web site is fraudulent. You can also look for simple visual cues that show that the site is authenticated and protected. Cues include a green address bar in high-security browsers such as Internet Explorer 7 and 8, Firefox 3.0 and higher, Opera 9.X and higher, Google Chrome, Safari 3.2, Safari 4, Flock (social networking browser) and the iPhone. Other visual cues include a padlock icon in either the lower or upper right-hand corner of the screen and https:// in the browser; both of these indicate the site is secured.

2. Check out two-factor authentication: A growing number of sites are accepting a second form of user authentication that comes from physical devices such as a token, credit-card form factor, a USB drive and even your cell phone. Each device provides users with a dynamic one-time password that must be entered into a login page in addition to their user name and password. The extra layer of security hinders potential fraudsters from accessing personal accounts that are accessed by a simple user name and password by adding a second factor of user authentication.

3. Compare the checkout experience to well-known sites and look for anomalies: Most well-run Web sites-such as Amazon or eBay-send order confirmation, shipping confirmation e-mails and allow you to print out confirmations of your orders. Beware of a simple form with no “visual cues” and no confirmation that you entered or ordered anything. However, if the Web site is fraudulent, victims could lose their money, whether or not it had been entered securely.

4. Know your vendor: Read their ratings and reviews from other customers and take red flags seriously. Also make sure you have some way of contacting them-look for a phone number and mailing address. Finally, try to find out where the company is based in their “about us” section.

5. Pay attention to the order form: The site should not ask for more than your name, shipping address, billing address, credit card type, number and expiration. Data such as social security number, bank routing number, etc. should not be collected.