Consumers naturally have concerns about making purchases securely online. Fraud and identity theft are potential dangers in any transaction, but there are ways to minimize the chances of such fraud happening to you.

Following are some things to be aware of when doing business online.

- Be certain that your computer’s security settings are updated and turned on. Automatic updating is the best way to ensure that your computer is protected continually. Make sure your antivirus and anti-spyware software are current and running.

- Turn off the computer when it is not in use. This not only saves energy, but prevents hackers from gaining access to your computer via the internet when you are not around. If you are not able to turn it off entirely or are going to be leaving the computer for a shorter period of time, disconnect the internet cable.

- Use your credit card. Credit cards are still the most secure way to pay online; they offer consumer protection, and under the Fair Credit Billing Act your liability is limited to $50. And some credit card companies will issue temporary, “disposable” card numbers for each purchase so you don’t have to reveal your full credit card number.

- Look for reputable websites. A secure website will have “http” or “https” before its name in the web address and your browser will show a security icon (such as a padlock) in the toolbar. Still, it’s a good idea to research a website before giving out any personal or financial information.

- Pay attention to the details. Before you click on a hyperlink, hover the mouse pointer over the link and see if the two web addresses match. Sometimes, a hyperlink will list one address but, when you click on it, take you to an entirely different site.

- Report any phishing activity to the Federal Trade Commission (spam@uce.gov). Also, contact the company that is being impersonated and let them know.

- Review your account statements carefully. Sometimes, fraud happens without the consumer noticing – an unauthorized dollar or two here and there that appears on financial statements but goes unnoticed. Check both your bank and credit card statements to be sure every charge is authorized by you, no matter how small.

If you bear these things in mind, doing business online can be quite enjoyable. It is fast, easy, and convenient - it need not be dangerous.

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