Internet Scams (With JAY TARUC)

Summary

The video script discusses the term 'budol', originally from Ilonggo meaning deception, and its modern application to social media scams. It covers various scams like the Poser Scam, Hacking, Phishing, Catfishing, and Banking Scam, providing examples and advice on how to avoid falling victim. The script emphasizes the importance of vigilance, secure password practices, and verifying information to prevent being scammed online.

Takeaways

• 💡 'Budol' refers to being tricked into buying unnecessary items, often influenced by social media platforms like TikTok and Facebook.
• 🕵️‍♂️ The term 'budol' originates from Ilonggo, meaning deception or scam, and historically involved modus operandi like the 'budol-budol gang'.
• 🚨 Be vigilant against various types of online scams, including 'poser scam', 'hacking', 'phishing', 'catfishing', and 'banking scam'.
• 🗣️ In 'poser scam', scammers impersonate friends or family to deceive and extract money or personal information.
• 🔒 Protect your accounts by using strong, unique passwords and changing them regularly to prevent hacking.
• 🎣 Beware of 'phishing' scams that use pop-ups, SMS, or QR codes to lure you into revealing personal information.
• 🐠 'Catfishing' involves using someone else's photos to deceive and manipulate victims, often with financial motives.
• 🏦 In 'banking scam', scammers pose as bank officials to trick individuals into revealing sensitive banking details.
• ☎️ To avoid online banking scams, verify the legitimacy of communications, check for errors in messages, and regularly monitor your bank statements.
• 📢 If you fall victim to a scam, report it to authorities like the PNP Anti-Cybercrime Group or NBI Cybercrime Division for action.

Q & A

What does the term 'budol' refer to in the context of social media?

In the context of social media, 'budol' refers to being lured into buying unnecessary items, often after watching promotional videos on platforms like TikTok or Facebook.

What is the origin of the word 'budol'?

The word 'budol' is derived from the Ilonggo language, where it means deception or scam.

Can you explain the 'budol-budol gang' modus operandi mentioned in the script?

The 'budol-budol gang' is a criminal group that befriends victims with the real intention of robbing them, using deception as their primary tactic.

What is a POSER SCAM as described in the script?

A POSER SCAM is a type of scam where scammers impersonate someone you know, often using their photos and personal information to deceive you into sending money or revealing sensitive information.

Why did Rocco Nacino almost fall victim to a scam?

Rocco Nacino almost fell victim to a scam because he received a message from an account impersonating a famous actor, which had detailed knowledge of his friend and even had complete photos, asking for money.

What advice is given to avoid POSER SCAMs?

To avoid POSER SCAMs, one should refrain from posting sensitive information and pictures on social media and verify the identity of anyone claiming to be a friend or family member before sending money or information.

What is the significance of using a strong and unique password in the context of HACKING?

Using a strong and unique password is crucial in preventing HACKING because it makes it more difficult for hackers to guess or crack your password, thus protecting your account from unauthorized access.

How do hackers use brute force to gain access to accounts?

Hackers use brute force by repeatedly guessing passwords until they successfully access an account, often using automated tools to speed up the process.

What is the difference between phishing, smishing, and quishing?

Phishing involves fraudulent emails or pop-ups to steal personal information, smishing uses SMS or text messages for the same purpose, and quishing employs QR codes to deceive victims into revealing sensitive data.

What is catfishing and how can it be avoided?

Catfishing is a scam where individuals use someone else's photos to lure victims, often with the intent to deceive them into giving money. It can be avoided by verifying the identity of the person through mutual friends, video calls, or requesting additional proof.

How can one protect themselves from BANKING SCAMs?

To protect against BANKING SCAMs, one should verify the legitimacy of any communication claiming to be from a bank, check the sender's email address for authenticity, be wary of messages with typographical or grammatical errors, and regularly monitor bank statements for any unauthorized transactions.

What should you do if you suspect you have been a victim of an online scam?

If you suspect you have been scammed, report it immediately to the PNP Anti-Cybercrime Group or NBI Cybercrime Division to take appropriate action.

Outlines

00:00

🚨 Social Media Scams Alert

The script discusses the prevalence of 'budol' scams on social media, where individuals are lured into buying unnecessary items after watching enticing videos. It explains the origin of the term 'budol' from Ilonggo, meaning deception or scam, and its historical use in modus operandi like the 'budol-budol gang'. The narrator, Taruc, introduces common internet scams and how to avoid them, starting with the POSER SCAM. This scam involves scammers impersonating friends or family to borrow money under false pretenses. The script shares a real-life example involving actor Rocco Nacino and advises viewers to safeguard their personal information on social media to prevent such scams.

05:03

🔒 Protecting Yourself from Hacking

This section warns about the dangers of weak passwords and the importance of securing social media accounts from hacking. It humorously suggests guessing common passwords like 'password' or '123456' and emphasizes the need to use strong, unique passwords to prevent unauthorized access. The script also mentions brute force as a method hackers use to crack passwords. It advises viewers to regularly change their passwords and to be cautious of phishing attempts that come in various forms, such as pop-up ads, SMS messages, or QR codes, all designed to steal personal information.

10:06

🎣 Beware of Catfishing and Banking Scams

The script continues with a discussion on catfishing, where scammers use attractive photos to lure victims and deceive them into parting with their money. It advises checking mutual friends and seeking video calls or additional proof to verify the identity of online acquaintances. The final scam highlighted is the banking scam, where fraudsters pose as bank employees to trick individuals into revealing sensitive banking information, including OTPs and PINs. The narrator provides practical tips for avoiding such scams, such as verifying the legitimacy of communications, checking for typos in messages, and regularly monitoring bank statements. The script concludes with a call to action for viewers to stay vigilant, verify information, and report any scams to the appropriate authorities.

🌐 Staying Safe in the Digital World

In the final paragraph, the script emphasizes the need for constant vigilance and skepticism in the face of rapidly evolving online scams. It encourages viewers to fact-check and verify information before trusting it and to use words responsibly to prevent the spread of misinformation. The narrator, Jay Taruc, wraps up the video script as part of the Media Literacy Project of UP Diliman, reminding viewers to stay safe in the digital world.

Keywords

💡Budol

Budol is a term derived from the Ilonggo language, which refers to deception or scam. In the context of the video, it is used to describe a social media phenomenon where individuals are lured into purchasing unnecessary items after watching enticing videos on platforms like TikTok or Facebook. The term is also historically associated with a modus operandi where criminals befriend victims with the intent to rob them, highlighting the theme of online scams and the need for vigilance.

💡Poser Scam

A Poser Scam, as mentioned in the video, is a type of online fraud where scammers impersonate someone else, often using stolen photos and personal information from social media to deceive friends and family of the impersonated person. The video gives an example of actor Rocco Nacino almost falling for a scam where an impostor, using the identity of another actor, requested money under false pretenses. This scam is directly related to the video's theme of online deception and the importance of verifying the identity of those we interact with online.

💡Hacking

Hacking, in the video, refers to the illegal access of an account with the intent to steal personal information or deceive others. The script warns about the importance of using strong, unique passwords to prevent account breaches. It also mentions common weak passwords and the use of brute force techniques by hackers, emphasizing the need for cybersecurity measures to protect personal information and online accounts.

💡Phishing

Phishing is a fraudulent attempt to obtain sensitive information such as usernames, passwords, and credit card details by disguising as a trustworthy entity. The video explains various forms of phishing, including 'smishing' through SMS and 'quishing' via QR codes. It cautions against clicking on suspicious pop-ups or messages that promise rewards or investments, which are tactics used to bait victims into revealing their personal information.

💡Catfishing

Catfishing is defined in the video as a deceptive practice where individuals create fake online identities or use someone else's photos to lure victims, often with romantic intentions, to scam them out of money. The video advises viewers to verify the identity of new contacts by checking mutual friends, initiating video calls, or requesting additional proof to avoid falling victim to this scam.

💡Banking Scam

A Banking Scam, as discussed in the video, involves criminals pretending to be bank or company representatives to trick individuals into revealing sensitive banking information such as account numbers, PINs, or one-time passwords. The video provides advice on how to avoid such scams, including verifying the legitimacy of communications, checking for errors in messages, and regularly monitoring bank statements.

💡OTP (One-Time Password)

OTP stands for One-Time Password, a temporary password used for secure transactions, particularly in online banking. The video warns against sharing OTPs with anyone, as they are a critical security measure that, if compromised, can lead to unauthorized access to bank accounts. This term is central to the video's message about protecting personal financial information.

💡Media Literacy

Media Literacy is the ability to access, analyze, evaluate, and create media in various forms. In the video, it is mentioned in the context of the Media Literacy Project of UP Diliman, which aims to educate the public about the responsible use of media and the importance of verifying information before sharing it. This concept is integral to the video's overall theme of staying safe online and being aware of potential scams.

💡Cybercrime

Cybercrime refers to criminal activities carried out using the internet or computer systems. The video touches on various forms of cybercrime, including hacking, phishing, and catfishing, and advises viewers to report such incidents to authorities like the PNP Anti-Cybercrime Group or NBI Cybercrime Division. Understanding cybercrime is crucial for the video's message of online safety and vigilance.

💡Social Engineering

While not explicitly mentioned in the video, social engineering is a concept closely related to many of the scams discussed. It involves manipulating people into divulging confidential information or performing actions that benefit the scammer. The various 'budol' scams described in the video often rely on social engineering tactics, making it a key concept for understanding the strategies used by scammers.

Highlights

The term 'budol' on social media refers to being lured into buying unnecessary items.

The word 'budol' originates from Ilonggo, meaning deception or scam.

Beware of 'budol-budol gang', a modus operandi involving befriending victims to rob them.

POSER SCAM involves scammers impersonating friends to borrow money under false pretenses.

Scammers use personal information and photos to deceive people on social media.

Rocco Nacino's experience with an impostor posing as a famous actor illustrates POSER SCAM.

To avoid scams, refrain from posting sensitive information on social media.

HACKING SCAM involves illegal access to accounts to steal personal information.

Weak passwords like 'password' or '123456' are easily hacked.

Use long and unique passwords and change them regularly to prevent account hacking.

PHISHING SCAM uses pop-up ads to trick users into revealing personal information.

Be cautious of 'smishing' and 'quishing', variations of phishing that use SMS and QR codes.

CATFISHING SCAM involves using attractive photos to lure victims and deceive them out of money.

To avoid catfishing, verify the identity of online contacts through mutual friends or video calls.

BANKING SCAM can occur through fake bank employees asking for sensitive account details.

Never give out OTPs or PIN numbers to anyone to protect against banking scams.

Report scams to the PNP Anti-Cybercrime Group or NBI Cybercrime Division for investigation.

Stay updated and be vigilant to avoid becoming a victim of online scams.

Fact-check and verify information before trusting or sharing it online.

Use words responsibly to ensure the accuracy and truthfulness of online content.

Transcripts

Have you been a victim of ‘budol’ on social media?

Nowadays, this term means you are lured to buy something that is not necessary.

After watching videos on Tiktok, or Facebook, you just found yourself adding items to your cart.

That’s ‘budol.’

Do you know that the word ‘budol’ was coined from Ilonggo, which means deception or scam?

There used to be a modus operandi called ‘budol-budol gang’ where they start to befriend the victims, but their real motive is to rob them.

Beware of the numerous kinds of budol or scams present on the internet!

Be careful, paps!

I am Taruc

Here are some of the internet scams and how to avoid them.

BUDOL 1: POSER SCAM

Have you ever received a message from a so-called friend who wants to borrow money

due to an emergency and claims to really really need it?

Before you send money, make sure that the person that you are talking to is really your friend.

These days, scammers are capable of using your photo, Facebook details, and personal information

to impersonate you and take advantage of the people you know! That’s called the POSER SCAM!

The actor, Rocco Nacino, almost became a victim of this kind of scam after receiving a message from an account named “Gabby Eigenman” who is a famous actor as well.

According to him, they knew every detail about his friend and even had complete photos.

What he didn’t know was that he was talking to an impostor.

The scammer was asking for P10,000. Fortunately, Rocco saw through the deception and was able to avoid getting scammed.

To avoid scams like this, refrain from posting sensitive information and pictures on social media like

ID, address, signature, etc. These crucial information may be used to deceive your loved ones.

If ever you receive these kinds of messages from someone who claims to be a friend or a family member,

ensure that they are truly who they claim to be.

But did you know that legitimate accounts can be used too in scamming?

BUDOL 2: HACKING

This is the illegal access of an account with the intent of stealing personal information or deceiving other people.

We are all aware that before using social media, you have to log in using an email and password.

Your password serves as the first line of defense in protecting your account against the hackers.

Wait! You, what’s your password? Let me guess.

Is it a literal “password”? or 123456?

Oh no! If your password is one of those, change it now!

Accounts with these kinds of passwords have a high risk of being hacked by other people

because these have been known to be the most common password in the whole world last year.

According to NordPass, hackers can access accounts with these passwords within a second. So quick right?

Other than that, they also utilize brute force where they repetitively guess your password

until they forcefully open your account.

If that happens, they can delete or change contents of your social media account.

So remember, use a long and unique password! It would be best to regularly change it.

BUDOL 3: PHISHING

While you are scrolling through the internet, have you experienced an ad pop-up

claiming that you have won a cellphone or cash prize? Did you click it?

Oh no, don't hastily click on these pop-ups or anything that suddenly appears on our screens,

because we may become phishing victims.

This is not fishing in the sea, okay! But this is fishing for your personal information!

In this modus, the hackers are like fishermen and pop-ups ads are their bait to get us.

Other kind of phishing scam are “smishing” which uses SMS or text messages

and “quishing” where QR codes are used to steal personal information.

For example, they will send a message that says you won a prize or offers an investment claiming that you will earn money.

In short, these are amazing offers that will entice you to provide your email address, number,

or even your bank account. Once they get your information, they can easily hack your accounts.

So if it seems too good to be true, think twice to avoid getting reeled into a phishing scam.

BUDOL 4: CATFISHING

Since we are talking about fishing, let’s talk about catfishing too!

Catfishing is the term for scams that lure victims by using other people’s photos.

Usually, these are people with really good looks and are celebrity-like.

The truth is, their ulterior motive is to seduce and fool you into obtaining your money.

To avoid getting catfished, check your mutual friends to verify the identity of the person you are talking to.

Initiate a video call or ask for additional proof before believing them.

BUDOL 5: BANKING SCAM

Because of the new technologies, we are now not required to physically go to the bank to pay bills and withdraw money.

With online banking and e-wallets, in one click, you can buy any product.

Let’s still be mindful! Sometimes, we suddenly receive an email, text, or a call.

They would pretend to be employees of a bank or a company.

They will offer a new promo or sometimes will say that you have to reset your bank account.

After that, they will ask for your telephone number, birthday, and bank account details.

What’s scary is even the OTP or one-time password on your phone,

Or worse, they might even ask for your PIN number.

Oh no! Don’t you dare give an OTP or your PIN number to anyone

because this is the key for them to open your bank account.

To avoid online banking scams:

1. Call the bank directly to verify the legitimacy of the person you are talking to.

2. Check the email address of the sender. Many impersonate official accounts.

3. If there are typographical or grammatical errors in the message, think twice.

4. Regularly check your bank statements to ensure you still have the correct balance.

Aside from this, if you get scammed, report it immediately to the PNP Anti-Cybercrime Group or NBI Cybercrime Division.

These mentioned are just some of the modus operandi of the scammers on the internet.

With the fast-paced technologies, there will certainly be new ways to get scammed online.

So don’t easily trust anything you read.

Make it a habit to fact-check and verify information. Don’t be a victim of ‘budol’.

Be conscious, stay updated, and be on alert.

Remember, words are powerful, let’s use them correctly.

Before posting anything, make sure it’s correct and true.

This is Jay Taruc for the Media Literacy Project of UP Diliman. Stay safe!