Electronic payments (e-payments) have become a popular way for consumers to purchase a wide range of goods over the Internet. But as electronic methods of purchasing goods and bill payment has expanded, the problem of electronic theft, both personal information and money has likewise grown.

While preventing fraud is difficult, a Web user can take steps to recognize and avoid it. The Federal Trade Commission offers the following advice:

¢ Secure browser. Make sure your computer has the latest encryption software that scrambles the purchase information sent over the Internet. This helps protect the security of your information as it is transmitted. Similarly, your Web browser, such as Microsoft Internet Explorer, should provide encryption capability. When submitting purchase information, make sure the “lock” icon appears on the browser’s status bar and the URL begins with the letters “https.”

¢ Site privacy policy. Check the Web site’s statements about the security provided for your information. Many disclosures are typically found under the “About” or “FAQs” sections. If you’re not comfortable with the policy, think about taking your business to another location.

¢ Refund and shipping policies. Examine disclosures about the Web site’s refund and shipping policies closely.

¢ Personal information. Try not to give out personal information – such as your address, telephone number, Social Security number or bank account number – unless you know who’s collecting it and why.

¢ Go with businesses you know and trust. Never disclose passwords to anyone online, even your Internet service provider. Do not open or download files sent to you by strangers. This could expose your system to a computer virus.

¢ Maintain online transaction records. Check your e-mail for contacts by merchants with whom you’re doing business. Request important information from a merchant about your purchase.