A coup to prevent internet fraud
First, it is best to use a special card for special purposes. The bank card bound to the online payment account, preferably small, is specially used for online shopping; For those bank cards with large amount or credit limit, try not to bind the online payment account.
Second, set the payment limit for online payment accounts. According to the report of UnionPay, most of the losses caused by online fraud are not high. More than half of the respondents lost less than 500 yuan, but 20% lost more than 2,000 yuan. Set up an account for your online payment account? Cap？ Amount, so that once your account information is leaked and you encounter fraud, the loss can be controlled within a certain amount.
Third, install security prevention and control software for mobile phones. It is best to install official and genuine security software on your mobile phone to check the virus in advance. Once the phone is poisoned, don't restart the phone, but go to the professional after-sales maintenance department of the phone and let the professionals reinstall the system to eradicate the virus.
Fourth, transfer risks through corresponding insurance products. You can choose the payment channel with supporting fund insurance measures, or you can buy the corresponding fund insurance products yourself, which costs little, but once you encounter fraud, you can recover your losses through insurance channels.
Fifth, once you encounter fraud, you should report it to the public security organ as soon as possible, and take the initiative to declare it to the bank, while paying attention to the changes in funds. If you find any change in funds, you should contact the bank in time. Don't trust strange text messages, phone calls or click on unknown links.
Means of network fraud
1, fake purchasing fraud
Criminals pretend to be regular WeChat merchants, using discounts and overseas purchasing. As bait, after the buyer pays, they use it? If the goods are detained by the customs, do you have to pay extra customs duties? Ask for extra payment on the grounds of fraud.
2. Cheap shopping fraud
Criminals release transfer information such as used cars, confiscated goods in used computers and customs, and victims contact them to defraud money by paying down payment and transaction tax fees.
3. Online shopping fraud
The criminals set up a fake shopping website or online shop, and the victim said that the system failed and needed to be reactivated after placing an order. After sending a false activation URL through QQ, let the victim fill in his personal information and commit fraud.
4. such as fraud
Criminals pretend to be merchants? Like a prize? Information requires participants to send their personal data such as their names and telephone numbers to the social tool platform, and after obtaining enough personal information, they will commit fraud in the form of winning prizes and paying a deposit.
5. Refund fraud
The criminals pretend to be the customer service of Taobao and other companies, call or send text messages, falsely claiming that the goods taken by the victims are out of stock and need a refund, and induce buyers to provide bank card numbers, passwords and other information to commit fraud.
6, redemption points fraud
Criminals send text messages saying that mobile phone points can be redeemed. Lure the victim to click on the phishing link. If the victim enters the bank card number, password and other information according to the provided website, the funds in the bank account will be transferred.
Characteristics of network fraud
1, non-contact sexual assault. Implement telecom fraud through modern telecom tools such as mobile phones, VoIP, QQ, WeChat, Taobao Want Want, and fake websites. The suspect and the victim have never had direct face-to-face contact from beginning to end.
2. The criminal target is wide. Judging from the infringed groups of telephone fraud, the victims include individual owners, company employees, enterprise employees, ordinary people and other social classes, and cover multiple age groups. But some telecom fraud cases are highly targeted. For example, telephone arrears are mainly aimed at the elderly who are alone at home on weekdays, and car tax rebates are mainly aimed at car owners.
3. Informatization of crime pattern. With the help of computer, telephone and other communication tools, criminal suspects use arbitrary illegal number change software, VOIP network telephone, 400 telephone bundle transfer technology, pseudo base station short message group sending and other technical means to log on to local fixed and mobile phones, commit fraud, and even establish illegal network platforms and fraud websites on the Internet to trick and induce victims to transfer funds to designated accounts in a short time, and then through the online banking system.
4, the crime process is fast. The time from receiving fraudulent phone calls and information to being cheated of money is extremely short. Because whether it is online payment, online banking transfer, ATM remittance or bank counter remittance, criminal suspects can use modern communication tools and online banking technology to complete fraud in a very short time.
5. The crime space is large. Telecom fraud calls mostly come from outside the city, outside the province and abroad. The places where telecom criminals make fraudulent phone calls, transfer money and withdraw money are often not in the same city, and the phenomenon of crossing cities, provinces and countries is widespread.