With the development of telecommunication industry, there are more and more cases of fraud using telecommunication tools and telecommunication technology. The experience of a friend around me is a typical case. The specific process of her fraud is as follows:
One afternoon, she received a strange phone call from a different place. The other party claimed to be the customer service of a shopping website and told my friend that a product she bought on their website needed a refund because the size was not enough. My friend was very worried at that time, but when he saw that the other party had told the exact information of the website and even the goods he bought, he relaxed his vigilance. Then he added a QQ number provided by the other party, and the other party sent the specific information of the order on QQ again, leaving a refund website. When a friend clicks in, the login page is no different from the website he bought at that time, except that the website address is not official website. A friend asked the other person this question, and the person on the phone explained that this was their temporary website. Don't have too much doubt, my friend. Next, the friend filled in the information of his bank card, and the other party lied that he had tricked his friend into filling in the password of the bank card for security verification. Subsequently, the verification code was sent to a friend's mobile phone. At this time, the other party asked the friend to fill in the verification code quickly on the phone, otherwise the money could not be refunded after overtime. My friend filled in the payment verification code sent by 95533 twice in a brainwashing state. Then my friend logged into his online bank and found that nearly 10,000 yuan in the bank card was transferred away. Only then did he suddenly realize that he had been cheated.
Through my friend's case, I think the key to this kind of fraud lies in the victim's lack of awareness of telecom fraud. First of all, we must be cautious about strange phone calls and websites, and don't trust them easily. If you confirm that the information they provide is correct, you'd better call the official hotline of the shopping website to ask for relevant information yourself. Secondly, I don't know enough about bank cards. When collecting money, you don't need to tell the bank card password anyway. If the password is leaked, the liar can know all the information of your bank account. Finally, as the last barrier of bank card payment, the verification code must not be disclosed to anyone. Once the verification code is revealed to the other party, the money will be transferred immediately.
If the money is transferred, the party concerned should immediately report to the police and ask the police to contact the bank to investigate the bank card account where the remittance is located, and freeze it in time to avoid greater losses. In this regard, we should have a certain understanding of various means of telecom fraud, effectively prevent it when encountered, find it in time, and correct it as soon as possible.
As a bank employee, when opening cards and handling electronic products for customers, we must strengthen the examination of whether we handle them ourselves, and at the same time issue risk warning cards to customers who have signed up for electronic products, telling customers not to click on unknown websites at will, and not to trust and reply to unknown information and phone calls easily, so as to enhance customers' safety awareness, nip in the bud and give criminals an opportunity.
Feedback 2:
Through the study of several cases, we can see that in this era of highly developed informatization, banks are also facing illegal operation risks from various lawless elements, such as bill fraud, telephone fraud, SMS fraud and so on. In recent years, criminals try to use the customer information and weak links of banks to cheat, and such cases are high. As employees of banks, especially front-line employees, it is particularly important to deal with customers directly and improve their anti-fraud ability. They should not only be responsible for avoiding economic losses of banks, but also inform customers of risk points. In their own operational skills, we must be standardized and impeccable, operate in strict accordance with the process, never let go of any link, and never give criminals an opportunity.
Pay attention to the general identification of customers and the verification of customer identity information in the work. This verification must be verified. If the customer needs to provide valid certificates, they must be provided in place to avoid misoperation. It is necessary to ask more about the purpose of large-sum transfer and remittance business, and give customers more safety tips in e-banking business, such as the storage and use process of passwords, which can effectively prevent customers from being cheated.
Therefore, in the future business handling, let yourself be more careful and give customers more business exchanges and warm tips, which can effectively block the fraud of criminals.
Feeling 3:
With the continuous development of the Internet and telecommunications industry, in recent years, the criminal activities of using telephone, short messages and the Internet to defraud false information are rampant. Since the beginning of this year, the amount of telecom fraud in China has reached 700 billion yuan, with various names and many people involved. In order to effectively improve students' ability to identify and respond to online and telecom fraud crimes, the safety knowledge of preventing online fraud is reminded as follows:
First, online fraud.
1 "Phishing" uses fraudulent emails and forged Internet sites for fraudulent activities. There are two modes of operation:
Sending e-mail: luring users to trick criminals into sending a large number of fraudulent e-mails with false information. Most emails entice users to fill in financial accounts and passwords by winning prizes, consulting and reconciliation.
By establishing a fake bank website, criminals will be introduced into this fake website when users enter the wrong website. Once the user enters the account number and password, this information may be stolen by criminals, and the deposit in the account may be impersonated. In addition, criminals implant virus programs into computers by sending emails containing Trojan virus, and once customers log in to online banking with this "poisoned" computer, their account numbers and passwords may also be stolen by criminals, causing economic losses.
2. Online shopping fraud refers to fraud cases arising from buying and selling goods on the Internet:
-The swindler forced the victim to remit money many times for various reasons, such as not receiving the payment, or demanding that the money be remitted to a certain amount before returning the previous money.
-The scammer refuses to use the third-party secure payment tools provided by the website for various reasons, such as lying that "the account has recently failed" or "I don't want to use Alipay, so I can charge you a lower fee" to trick the victim into using the unsafe transaction method of remittance first and delivery later.
-Liars pass off fake, inferior and low-priced cottage products as brand-name goods, and the victims even cry and complain after receiving the goods.
Second, impersonating an acquaintance to defraud.
Some college students go abroad to study, which makes criminals take advantage of their parents' worries to carry out a series of illegal and criminal activities. Liars claim to be students' teachers, and often ask parents to remit money on the grounds that students are ill and need hospitalization or surgery urgently.
Pretending to be a QQ friend to borrow money-the scammer uses hacking programs to crack the user's password, and then Zhang Guan Dai Li impersonates the victim's QQ friend to borrow money. He must first get in touch with his friends by telephone and other means to prevent being cheated.
Third, online winning fraud When you log in to QQ or open your email, will you receive some winning tips of unknown origin? No matter how realistic and attractive the content is, please don't believe it, and don't check it according to the so-called consultation telephone number or webpage, otherwise you will fall into a scam step by step.
Fourth, special reminder
In the face of all kinds of online fraud, how to effectively identify, respond and prevent it? Don't worry, the police will give you a hint:
1, don't take the initiative to contact each other. Calling the so-called consultation phone will only make you step by step.
2. Don't rely too much on the Internet. When someone borrows money, remember "don't decide to pay back the money late, sleep for a day, and then tell your relatives".
In the process of fraud, criminals often use people's panic to create a tense atmosphere, constantly changing roles, leaving you no time to distinguish between true and false and urging you to deal with it. Once the other party is found to be a liar, stop remittance and payment immediately to prevent the loss from expanding.
4. Report immediately. You can call official website customer service, psychological counselor, etc. Verify or report to the relevant departments.
Finally, I would like to remind you that whether it is real fraud or online fraud, the ultimate core or * * * similarity of scammers is fraud. As long as we strengthen our preventive psychology, we will earnestly achieve the "three noes": no credulity, no disclosure, no transfer; Report the case in time.
Feedback 4:
For the phishing methods of false links, the "firewall" currently adopted by the payment platform includes: "timestamp", confirming the correct domain name, setting the transaction time sensitive value, verifying and filtering the payment source URL, etc. "'timestamp' means that time records are added to all aspects of payment. When the time interval exceeds the preset range, the order will be judged as invalid and cannot be paid, and the order needs to be regenerated to complete the payment. Moreover, when the payment source URL is inconsistent with the IP registered by the merchant on the payment platform, the transaction will also be blocked.
For Trojan virus, a more subtle and advanced means, payment platforms generally use methods such as adding verification code and secondary confirmation to identify manual operation and Trojan machine operation behavior. In this way, although it affects the convenience of users, it has achieved obvious results in combating Trojan fishing.
Therefore, online shoppers should not complain about the complicated verification procedures of the payment platform one after another when shopping. These are the measures they set up to protect your rights and interests. In addition, they should be cautious about some low-priced commodity information on the Internet, such as free delivery or very outrageous prices. Especially the informal online shopping platform, some people send links through QQ mailbox. There are often some fishing links here. Once you log in and enter your own information, it is easy to be stolen. Generally speaking, it will be much better to choose a formal e-commerce online shopping platform and use secure chat tools such as Want Want.
In addition, netizens should also raise their awareness of self-protection, pay attention to keeping their private information properly, do not disclose their ID number, account number and password to others, and try to avoid using online e-commerce services in public places such as Internet cafes.
Feedback 5:
With the development of modern science and technology, our life has been greatly improved, but it has also prompted many people to use high technology to cheat money and destroy people's property interests. Liars are everywhere now, even around you, so watch your pockets!
Now the most extensive means of fraud is nothing more than pretending to be a "friend" to send you QQ messages, make phone calls and send text messages, "I was killed!" Please remit money immediately. For a friend's sake, you didn't know your "friend" had escaped until you remitted the money. Finally, I was killed and turned into myself!
The most ridiculous thing is to pretend to be a public security organ to arrest you as a so-called "criminal suspect" and accuse you of kidnapping, drug trafficking and other crimes, and then seduce you step by step by making phone calls and sending messages, even kidnapping and extortion, and transfer money from the bank account. "Public security organs" have become "suspects"! It really makes people laugh and cry, speechless!
"You hit the jackpot!" This is the most common form of fraud. Liars often pretend to be well-known programs such as "I am a singer" and "The Voice of China", and there is good news. As long as you pay a little "insurance premium" and "tax", you win the grand prize. This opportunity is not to be missed. If you don't come, it's gone! After you pay, the "grand prize" disappears without a trace. It seems that this is the "grand prize" that takes advantage of petty gain!
The most incredible thing is "arrears". It's a common thing to owe money by telephone, but there are still many frauds: I work for China Telecom, and your telephone, TV and broadband accounts owe money. Please pay the "late fee"! Unexpectedly, the "late payment fee" finally entered the liar's pocket.
"Money fell from the sky!" You find a lot of money in the street, run over and pick it up. Who knows, the liar drugged the fake money and took all the valuable things when you were in a coma. After getting up, I found that my property was taken away by a liar, and I regret it! Have you ever seen money fall from the sky? It is better to be cautious in doing things!
Did you find out? Online shopping is often much lower than the market price. Many people send money online for petty gain. A few months later, there was no news. "You've been cheated!" It seems that you should not always think that something good will happen. Even if the market price is expensive, the quality and quality are guaranteed. Be careful!
Liars are everywhere, cheating everywhere by countless means, and trying every means to lure them step by step. Are you always careful? It is very important to prevent fraud and protect your property interests! As long as it is handled properly, we will certainly not be taken in by those hateful fraud groups.
Pay attention to "fraud prevention" and keep a safe distance of "0". As long as we act cautiously, cover our pockets and make correct judgments, we can stay away from fraud and swindlers! Prevent fraud, start with me!