With the development of the telecommunications industry, there are more and more fraud cases using telecommunications tools and technologies. The experience of a friend of mine is a typical case. She was deceived. The specific process is as follows:
One afternoon, she received a strange phone call to an unknown place. The caller claimed to be the customer service of a shopping website and told my friend that she was with them! My friend was a little worried at the time, but when he saw that the other party told him exactly the same items and even specific information about the items he purchased on the website, he relaxed his vigilance and then added a QQ number provided by the other party. The other party sent the specific information of the order on QQ. I checked it out and left the refund URL. The friend clicked on it and saw no difference between the login page and the website he purchased at the time, but the website address was not the official website. The friend raised this question to the other party, and the other party explained on the phone that this was their temporary website. My friends weren’t too suspicious either. Next, the friend filled in his bank card information, and the other party lied about filling in the bank card password in order to verify security. Subsequently, the other party sent the verification code to the friend's mobile phone. At this time, the other party asked the friend to quickly fill in the verification code on the phone, otherwise it would time out and the refund would be impossible. The friend filled in the verification code sent twice by Alipay in a brainwashed state. Code 95533. Later, my friend logged into his online banking and found that nearly 10,000 yuan in deposits from his bank card had been transferred away. Only then did he realize that he had been deceived.
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, you must be cautious about unfamiliar phone calls, websites, etc., and do not believe their words easily. If you confirm that the information they provide is correct, it is best to call the official hotline of the shopping website to inquire about the situation. The second is that they don’t know enough about bank cards. When collecting money, there is no need to tell your bank card password anyway. If the password is leaked, the scammer can know all the information about your bank account. Finally, as the last barrier to bank card payment, the verification code must not be leaked to anyone. Once the verification code is leaked to the other party, the money will be transferred immediately.
If the money is transferred, the person involved should call the police immediately and ask the police to contact the bank to investigate the bank account for the remittance and freeze it in time to avoid greater losses. In this regard, we must have a certain understanding of the various means of telecommunications fraud, and when we encounter it, we must take effective prevention, timely discovery, and early correction.
As bank staff, when opening cards and handling electronic products for customers, they must strengthen verification to see if they can do it in person. At the same time, they must issue risk cards to customers who sign for electronic products and inform customers that they cannot do so at will. Click on unknown URLs, do not easily believe and reply to unknown messages and phone calls, enhance customers' security awareness, take precautions before they happen, and leave criminals with no opportunity to take advantage of them.
Postscript:
Through the study of several cases, it can be seen that in this era of highly developed information technology, banks are also facing cases of illegal operations by lawless elements from all aspects. Risks, such as bill fraud, phone fraud, text message fraud, etc. Criminals attempt to use customer information and bank weaknesses to commit fraud. Such cases have been at a high incidence in recent years. As bank employees, especially front-line employees, have direct business contact with customers, it is particularly important to improve their anti-fraud capabilities. They must not only bear the responsibility of avoiding financial losses to the bank, but also bear the obligation to inform customers of risk points. You must standardize your own operating skills, be impeccable, operate in strict accordance with the process, do not miss any link, and must not give criminals an opportunity.
At work, attention should be paid to the identification of the customer's general identity and the verification of the customer's identity information. The verification must be verified. If the customer is required to provide valid certificates, they must be provided to avoid false operations. When encountering large-amount remittances, the remittance salesperson should ask more about its purpose, and the electronic banking salesperson should give customers a safety reminder, such as password storage and precautions during use. These are very necessary and can be Very effective in preventing customer funds from being defrauded.
So in the future business handling, let yourself be more careful and give more business communication and warm reminders to customers, which can effectively intercept the fraudulent behavior of criminals.
Postscript:
With the continuous development of the Internet and telecommunications industries, in recent years, false information fraud crimes using phone calls, text messages, the Internet and other means have become rampant.
The amount of telecommunications fraud nationwide this year has reached 700 billion yuan, with many fraud names involving many people. In order to effectively improve the majority of students' ability to identify and respond to Internet and telecommunications fraud crimes, the safety knowledge on preventing Internet fraud is hereby reminded as follows:
1. Internet Fraud
1 "Internet Phishing "uses deceptive emails and fake Internet websites to carry out fraudulent activities. There are two methods of committing the crime:
Sending emails: Using false information to lure users into being fooled, criminals send a large number of fraudulent emails. Most of the emails are about winning prizes, Consultants, reconciliations and other content induce users to fill in their financial account numbers and passwords in emails.
Criminals set up fake bank websites. When users enter a wrong URL, they will be introduced to this fake website. Once users enter their account number and password, this information may be stolen by criminals, and the deposits in the account will be lost. May be scammed. In addition, criminals implant virus programs into computers by sending emails containing Trojan viruses. Once a customer logs into online banking using this "poisoned" computer, his account number and password may also be stolen by criminals, causing financial losses.
2. Online shopping fraud refers to fraud cases committed through the sale of goods through the Internet:
--Fraudsters claim that they have not received payment or have offered to remit a certain amount of money. Various reasons such as refunding the previous payment forced the victim to remit money multiple times.
Scammers refuse to use the third-party secure payment tools provided by the website for various reasons, such as falsely claiming that "the account has recently failed" or "there is no need to use Alipay. There is a handling fee, which can be cheaper." wait! "Alipay" is a safe payment gateway. Scammers use the "safe payment" function on the "Alipay" website to compare the "safe payment" function on the "Alipay" website with the "safe payment" function on the "Alipay" website. Yes, to defraud money.
--Scammers use fake and low-quality knock-off products to pass off as brand-name goods. After receiving the goods, the owner complains that he has been deceived.
2. Pretend to be acquaintances and commit fraud
Some college students study in other places, allowing criminals to take advantage of their parents’ concerns and carry out a series of illegal and criminal activities. The scammer claims to be a teacher of the student and often asks parents to remit money on the grounds that the student is sick and needs hospitalization or surgery.
To pretend to be a QQ friend to borrow money, you must first use a hacker program to crack the user's password, and then pretend to be the victim's QQ friend to borrow money. You must first contact the friend by phone to prevent being deceived.
3. Online lottery winning scams. When you log in to QQ or open your mailbox, will you receive some lottery winning tips from unknown sources? No matter how realistic and attractive the content is, please do not believe it easily, let alone follow the so-called consultation phone number. Or check the website, otherwise you will fall into a scam step by step.
IV. Special reminder
How to effectively identify, respond to and prevent the above types of online fraud? Don't worry, the police will give you some advice:
1. Don't contact the other party proactively. Calling the so-called consultation phone number will only make you fall for the bait step by step.
2. Don't rely too much on the Internet. When you meet someone borrowing money, you must remember "If you don't decide to pay the money late, sleep for a day and then talk to your relatives."
3. During the fraud process, criminals often take advantage of people's panic, create a tense atmosphere, constantly change roles, make you confused between true and false, and urge you to handle it. Once you realize that the other party may be a scammer, stop the remittance immediately and do not continue to pay to prevent the loss from expanding.
4. Report immediately. You can call the official website customer service number, consultant number, etc. to seek verification or report to the relevant departments.
Finally, I would like to remind everyone that whether it is a real-life fraud or an online fraud, the ultimate core of the scammer is ****. ": Don't be gullible, don't disclose, don't transfer money; you must report the case in a timely manner.
Following:
For the false link phishing method, the payment platform currently uses a "firewall": "timestamp", confirming that the domain name is correct, setting the transaction time limit, and verifying and filtering payment. Source website, etc. "'Timestamp' is to add time records to each link of payment. When the time interval exceeds the preset range, the order will be judged as invalid and cannot be paid. 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 the more hidden and advanced means of Trojan viruses, payment platforms generally use methods such as adding verification codes and secondary confirmations to identify manual operations and Trojan machine operation behaviors. In this way, although user convenience is affected, obvious results have been achieved in combating Trojan horse phishing.
So, online buyers should not complain about the tedious verification procedures of the payment platform one after another when shopping. These are measures they have set up to protect your rights and interests. In addition, they should be cautious when dealing with some online Information about low-priced items, such as free delivery to your door, or at ridiculous prices. Especially for informal online shopping platforms, some people send links through QQ mailboxes. There are often some phishing links here. Once you log in and enter your information, your account can easily be stolen. Generally speaking, it is much better to choose a formal e-commerce online shopping platform and use secure chat tools such as Wangwang.
In addition, netizens should also improve their awareness of self-protection, pay attention to properly keeping their private information, not disclose their ID number, account number, password, etc. to others, and try to avoid public **** such as Internet cafes. .
Five thoughts after viewing:
With the development of modern science and technology, our lives have been greatly improved, but this has also prompted many people to use high technology to defraud money and destroy people’s property interests. Nowadays, scammers are everywhere, even around you, so you should pay more attention to your pockets!
The most common method of fraud today is to pretend to be a "friend" and send you QQ messages, phone calls, and text messages, "I'm in an emergency!" Please make an "urgent" remittance immediately. For your friend's sake, you send money, only to learn that your "friend" has fled. In the end, it's still your fault!
The most ridiculous thing is that they pretend to be a public security agency to arrest you, the so-called "criminal suspect", and accuse you of kidnapping, drug trafficking and other crimes, and then trick you step by step by calling and sending messages. They even kidnapped and extorted money from their bank accounts. "Public security agencies" become "criminal suspects"! It makes people dumbfounded and speechless!
"You have won the jackpot!" This is the most common form of fraud. Scammers often pretend to be well-known programs such as "I Am a Singer" and "The Voice of China", reporting good news but not bad news, saying that you have won the big prize. As long as you pay a little "premium" and "tax?" "tax", you can receive the big prize. Don't miss the opportunity, and you will never lose it again! After paying the money, the "big prize" disappeared without a trace. It seems that this is for the greedy people." "Grand Prize"!
The most incredible thing is "arrears". It is a very common thing to have phone arrears, but there are still many scams happening: I am a staff member of China Telecom. Your phone, TV, The broadband account is in arrears, please pay the "late fee"! "I am a staff member of China Telecom. Unexpectedly, the "late payment fee" ended up in the pockets of the scammers.
"Money falls from the sky!" You picked up a large sum of money on the street and ran to pick it up. Unexpectedly, the scammer drugged the fake money and took away all the valuable things while you were unconscious. When you got up, you found that your belongings had been swept away by the scammer. It was too late to regret it! Have you ever seen money fall from the sky? It’s better to be cautious!
Have you discovered it? Online shopping is often much lower than the market price. Many people transfer money online in order to take advantage of small gains and seek benefits. After a few months, there is no news, "You were fooled!" It seems that don't always think that something good will happen, even if The market price is more expensive, but the quality and quality are still guaranteed, so be careful!
Scammers are everywhere and use countless means to defraud. They use any means to seduce you. Are you always careful? Preventing fraud and protecting your property interests is a very important thing! As long as we handle it properly, we will not fall for the hateful "fishhook" of the fraud gangs.
Be careful to "prevent" fraud and keep a safe "0" distance. As long as we are cautious, keep our pockets tight, and make correct judgments, we can stay away from scams and scammers! To prevent fraud, start with me!