As a small business owner, keeping transactions secure and protecting customers’ data is always top of mind. But in spite of best efforts, cybercriminals are doing all they can to thwart security measures. One of their favorite ploys is using malware. This blog explains what malware is, how it’s being used, and most importantly, how Clover can help.
What exactly is malware? In short, malware is any form of hostile or intrusive software used for malicious purposes. Of course, no one would knowingly allow such software to be installed on a computer or point-of-sale system. So, how does it happen? Cybercriminals are devious. They send links or create attachments in SPAM emails that enable and install the malware once opened or clicked. Just like that, malware infects the computer and provides immediate access to sensitive data.
To make matters worse, when customers pay online or in store, their card data is exposed at certain critical points in the process. If cybercriminals find vulnerability in a network, they’re able to easily capture critical user and credit card information. They, in turn, can use this information to commit credit card fraud or identity theft, or they can even sell this information to other third-party criminals.
Sounds bleak, doesn’t it? But fear not, all hope is not lost! With Clover, card data is encrypted at the point of sale. This means that even if a cybercriminal or malware is present, the data is unreadable. It works by safely storing card data for later transactions by replacing the data with a unique token. And with Clover Security Plus, merchants also get access to software and hardware monitoring. Together, Clover provides the ultimate protection against malware and cybercriminals.
A quick footnote on how to further protect devices from malware: never, ever click a link or open an attachment in an email from an unknown sender. Cybercriminals are masters at playing on our natural curiosities. In that one moment of inquisitiveness, cybercriminals can get the foothold they need in a system to spread malware. Also, be absolutely sure that emails are from who they say they’re from. Cybercriminals are now incredibly adept at spoofing SPAM emails to look like they’re from legitimate businesses. If there are any questions about an email, be conservative and don’t click it. Better yet, don’t even open it. The old mantra of ‘it’s better to be safe than sorry’ is more applicable than ever in today’s connected world.
To learn more about protecting systems from malware upgrading a business to a Clover point-of-sale device, visit our site. It’s safe to click. We promise.
October is National Cyber Security Awareness Month. Throughout the month the Clover Blog will feature articles to help you protect your business and your customers from internet fraud, theft, or attack.[image: Cloud Security – Secure Data – Cyber Security by Blue Coat Photos on flickr]
Clover is sold by leading U.S. banks including Bank of America, BBVA, Citi, PNC, SunTrust and Wells Fargo. You’ll also find Clover at our trusted partners including CardConnect, Restaurant Depot, and Sam’s Club. For more information, visit us at clover.com.