{"id":14988,"date":"2026-01-30T15:26:16","date_gmt":"2026-01-30T18:26:16","guid":{"rendered":"https:\/\/fenati.org.br\/?p=14988"},"modified":"2026-02-02T10:18:08","modified_gmt":"2026-02-02T13:18:08","slug":"cibercriminosos-brasileiros-ia-validar-cartoes","status":"publish","type":"post","link":"https:\/\/homolog.fenati.org.br\/en\/cibercriminosos-brasileiros-ia-validar-cartoes\/","title":{"rendered":"Cibercriminosos brasileiros usam IA para validar cart\u00f5es de cr\u00e9dito em massa"},"content":{"rendered":"

Cibercriminosos –<\/strong> Uma plataforma avan\u00e7ada de valida\u00e7\u00e3o em massa de cart\u00f5es de cr\u00e9dito, alimentada por intelig\u00eancia artificial<\/a> generativa, foi identificada como uma nova ferramenta utilizada por hackers brasileiros em fraudes digitais. O servi\u00e7o foi detectado recentemente pela empresa de ciberseguran\u00e7a Swarmy.<\/p>\n

Batizado de \u201cE-Fraud\u201d, o sistema explora recursos avan\u00e7ados de IA para automatizar a checagem de n\u00fameros de cart\u00f5es obtidos ilegalmente. Com isso, os usu\u00e1rios conseguem identificar rapidamente dados v\u00e1lidos para realizar transa\u00e7\u00f5es n\u00e3o autorizadas.<\/p>\n

LEIA: Pol\u00edcia desarticula quadrilha que aplicava golpes em servidores via Gov.br<\/strong><\/a><\/p>\n

Descrito pelos especialistas como uma esp\u00e9cie de central do crime organizado, o servi\u00e7o oferece APIs automatizadas para validar os n\u00fameros de cart\u00f5es fornecidos pelos usu\u00e1rios. Esse mecanismo permite analisar grandes volumes de dados em poucos minutos.<\/p>\n

Segundo os pesquisadores, a plataforma criada para facilitar fraudes est\u00e1 hospedada em um endere\u00e7o IP cujo provedor tem sede nos Estados Unidos. O sistema possui integra\u00e7\u00e3o com gateways de pagamento populares, direcionando os operadores para essas op\u00e7\u00f5es.<\/p>\n

H\u00e1 tamb\u00e9m um recurso de gera\u00e7\u00e3o de QR Codes din\u00e2micos via Pix, usando o dom\u00ednio \u201csantsbank.com\u201d para monetiza\u00e7\u00e3o. Por meio dessa funcionalidade, os valores obtidos de forma il\u00edcita podem ser direcionados para uma empresa sediada em S\u00e3o Paulo, o que dificulta o rastreamento das transa\u00e7\u00f5es.<\/p>\n

De acordo com o relat\u00f3rio, o E-Fraud adota um modelo de comercializa\u00e7\u00e3o baseado em cr\u00e9ditos. Os pacotes variam de R$ 100 a R$ 4.000, sendo que a op\u00e7\u00e3o mais b\u00e1sica oferece 100 cr\u00e9ditos, enquanto o plano mais caro disponibiliza 4.000 cr\u00e9ditos.<\/p>\n

A plataforma ainda conta com um ranking de desempenho dos cibercriminosos que utilizam o servi\u00e7o. Alguns usu\u00e1rios j\u00e1 acumularam mais de 250 aprova\u00e7\u00f5es de cart\u00f5es de cr\u00e9dito, segundo os respons\u00e1veis pela descoberta.<\/p>\n

Al\u00e9m do uso de assistentes de codifica\u00e7\u00e3o baseados em intelig\u00eancia artificial para acelerar a valida\u00e7\u00e3o dos dados financeiros, a tecnologia tamb\u00e9m \u00e9 aplicada em outros aspectos do servi\u00e7o. Os especialistas encontraram ind\u00edcios de ferramentas inteligentes no design da p\u00e1gina e em outros elementos da plataforma.<\/p>\n

O v\u00eddeo promocional do E-Fraud utiliza s\u00edntese de voz gerada por IA, com entona\u00e7\u00e3o profissional, para explicar as funcionalidades oferecidas. A estrat\u00e9gia, combinada com t\u00e9cnicas avan\u00e7adas de marketing digital, contribui para dar ao servi\u00e7o uma apar\u00eancia supostamente leg\u00edtima, segundo os pesquisadores.<\/p>\n

(Com informa\u00e7\u00f5es de Tecmundo)<\/strong><\/em>
\n(Foto: Reprodu\u00e7\u00e3o\/Freepik)<\/strong><\/em><\/p>","protected":false},"excerpt":{"rendered":"

A ferramenta automatiza a checagem de n\u00fameros de cart\u00f5es e facilita pagamentos n\u00e3o autorizados<\/p>","protected":false},"author":11,"featured_media":14989,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[13],"class_list":["post-14988","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ti","tag-sindical"],"yoast_head":"\nCibercriminosos brasileiros usam IA para validar cart\u00f5es de cr\u00e9dito em massa - FENATI<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cibercriminosos brasileiros usam IA para validar cart\u00f5es de cr\u00e9dito em massa - FENATI\" \/>\n<meta property=\"og:description\" content=\"A ferramenta automatiza a checagem de n\u00fameros de cart\u00f5es e facilita pagamentos n\u00e3o autorizados\" \/>\n<meta property=\"og:url\" content=\"https:\/\/homolog.fenati.org.br\/en\/cibercriminosos-brasileiros-ia-validar-cartoes\/\" \/>\n<meta property=\"og:site_name\" content=\"FENATI\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/feittinf\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-30T18:26:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-02T13:18:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/homolog.fenati.org.br\/wp-content\/uploads\/2026\/01\/design-sem-nome-2026-01-30t152504766.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Caio Simidzu\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@FederacaoTiBR\" \/>\n<meta name=\"twitter:site\" content=\"@FederacaoTiBR\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Caio Simidzu\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/homolog.fenati.org.br\\\/cibercriminosos-brasileiros-ia-validar-cartoes\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/homolog.fenati.org.br\\\/cibercriminosos-brasileiros-ia-validar-cartoes\\\/\"},\"author\":{\"name\":\"Caio Simidzu\",\"@id\":\"https:\\\/\\\/homolog.fenati.org.br\\\/#\\\/schema\\\/person\\\/966badfad0bf2512a372e082dc1c783e\"},\"headline\":\"Cibercriminosos brasileiros usam IA para validar cart\u00f5es de cr\u00e9dito em massa\",\"datePublished\":\"2026-01-30T18:26:16+00:00\",\"dateModified\":\"2026-02-02T13:18:08+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/homolog.fenati.org.br\\\/cibercriminosos-brasileiros-ia-validar-cartoes\\\/\"},\"wordCount\":442,\"publisher\":{\"@id\":\"https:\\\/\\\/homolog.fenati.org.br\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/homolog.fenati.org.br\\\/cibercriminosos-brasileiros-ia-validar-cartoes\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/homolog.fenati.org.br\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/design-sem-nome-2026-01-30t152504766.jpg\",\"keywords\":[\"sindical\"],\"articleSection\":[\"TI\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/homolog.fenati.org.br\\\/cibercriminosos-brasileiros-ia-validar-cartoes\\\/\",\"url\":\"https:\\\/\\\/homolog.fenati.org.br\\\/cibercriminosos-brasileiros-ia-validar-cartoes\\\/\",\"name\":\"Cibercriminosos brasileiros usam IA para validar cart\u00f5es de cr\u00e9dito em massa - 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