Martin Geddes of at Telepocalypse raises an interesting point that has bothered me also, which comes back to the security of phones, and the ability for hackers to pass themselves off as legitimate organisations, such as your own bank. Today, the problem is that there is no way an inbound call can ever be secure, because any Caller ID number you receive could be faked, and many outbound call centres withhold the number anyway.Â Also, with technology like Asterisk servers and IVRs with synthesized speech, it is quite possible to build a reasonable facsimile of your bank at a very low cost.
I have a card that I usually service online, and it is very rare that I ever need to call-up one of the call centres to speak to anyone. So recently when I received a call out-of-the-blue on my cellphone, I was surprised to be addressed by a synthesized voice. Knowing, as I do, that such things can cheaply be rigged-up using a regular PC (and perhaps Asterisk), I was not inclined to trust the call, or enter any of the bank security details it was asking for. I hung up on it, whereupon it called back a number of times before I drove into a GSM blackspot, which for the purposes of this discussion we can call Vermont. The repeated calls did nothing to reduce my suspicions.
Like Martin Geddes, when (a couple of days later) I did finally call the number suggested in the synthesized announcement, the operator I spoke to wanted to take security details from me. I explained, as I do in those situations, that this would not be a safe thing to do, as I have just called an unfamiliar number suggested by an automated voice on an inbound call. Fortunately, at least this bank have an answer to that question: there is a telephone number written on the back of the card itself, and he suggested I call that number. Now I can be pretty sure that Iâ€™m talking to who I think.
In the long run, I think banks will have to realise that they need to authenticate themselves too, and perhaps we will be able to test callers by getting them to tell us a password too.Â Â Phishing attacks can only increase in the future due to the accessibility ofÂ VoIP technology, and part of the counter attack is to teach people how to authenticate callers, before giving up vital security information.