Not long ago, there was such a news.
Ms. Hu, who lives in Xiaoshan, Zhejiang Province, received a Weibo voice private message, and after listening to it, she was pleasantly surprised to find that
Isn't this the voice of idol Wang Sicong?!
The other party claimed that he was indeed Wang Sicong, and even said that he wanted to marry Madam Hu.
Therefore, the deep love and affection with the idol every day made her deeply entangled.
During the period, "Wang Sicong" also asked her for travel expenses, dowry fees, etc. many times, and Ms. Hu, who had long been blinded by "love", was out of control, transferred more than 30,000 yuan to her several times, and simply thought that the other party was testing herself.
The ending can be imagined, and the wedding that has not yet been waited for, the other party has long disappeared.
A big fool.
At that time, after watching this news, I slowly came up with a few in my head: "??? ”
Why would anyone fan Wang Sicong?
Why would anyone prove in front of Wang Sicong that they are willing to spend money?
What kind of celestial beings is this?
Not to mention that wang sicong lacks this little money, you look at the ex-girlfriends of the "national husband":
That is true:
such:
And this:
Girl, let's sober up.
Just a few voices will fool you, and you will make the liar very unfulfilled.
Fortunately, "Wang Sicong" Zhang Moumou has finally been criminally detained according to law for suspected online fraud, and the incident has come to an end.
At first, when I saw this news, and then glanced at the empty wallet in my hand, I silently scolded in my heart:
Scams come to money really TM fast.
I only hate myself for not having that moving voice, mainly because I have to be like Wang Sicong...
Over the years, "cyber fraud" has been extremely rampant,
It has always been thought that most of the victims of telecommunications fraud are elderly people or people with low education level.
After investigating the data, I found that it is not so simple:
It is precisely the post-90s young people who account for the largest proportion, including many highly educated people.
No, how can I, who has always had a strong sense of justice, sit idly by, so I got up overnight to write this anti-fraud strategy.
Prevent fraud, my generation is obligated!
In order to do anti-fraud propaganda, the Criminal Investigation Bureau of the Ministry of Public Security also announced 48 common telecommunications network fraud methods not long ago, of which telephone accounted for 63.3%, SMS accounted for 14.8%, and network accounted for 19.6%.
I've summarized it here into a table:
Scams like kidnapping, bank card spending, and winning the lottery are all too old-fashioned.
Of course, scammers are not static, all kinds of routines can give you a whole flower,
In a sense, they are even much smarter than most people,
Below, I will highlight a few of the more common scam routines.
<h1 class="pgc-h-arrow-right" data-track="58" >1</h1>
Mr. Chen of Jiangsu when brushing his mobile phone, inadvertently saw the loan advertisement, saw that he could borrow 300,000 yuan, and when the second arrived, he had some heart, so he contacted the so-called "lender", who told him that he had to pay a 30% deposit before he could take out a loan, paid money and entered a verification code.
And then
And then it was blocked...
This is called an online loan scam.
Online loan scams have been the first of all scams.
The "six-step" routine is a common tactic used by scammers:
Drainage, using big data to push "loan" advertisements to potential customers who need loans;
Links, that is, loan links sent by scammers to customers, the web pages inside are made by scammers modeled on the loan platform;
Fill in the information, the fraud platform requires customers to fill in a variety of personal information;
Put the bait, let the customer choose the amount of the loan, of course, it does not matter how much to choose;
Margin, which is the most core step of the scam, if the customer wants to withdraw the loan, the so-called customer service will propose, need to pay a certain percentage of the deposit, most people are anxious to use money, do not care too much, just turn;
Unfreezing the gold, until the previous step is not over, the scammer will continue to lure the victim to hit the account on the grounds of incorrect information and the need to unfreeze the account.
This series of operation scammers are to seize the psychology of the victim, if you do not continue to pay money, then the previous hand over will not be returned to you, so they will trap you and repeatedly cheat.
The prevalence of online loan fraud is mainly due to the ineffective supervision of the platform, which has led to the popularity of various fraudulent advertisements.
It is difficult for ordinary people to contact and distinguish regular online lending websites, which also gives scammers an opportunity.
<h1 class="pgc-h-arrow-right" data-track="82" >2, impersonating customer service fraud</h1>
What is the part of the money that has been borrowed to do,
Online shopping, buying something will not lie to me.
Naive. Scammers will be waiting for you in places you didn't expect.
The scam goes something like this:
Scammers will first obtain your logistics information, and then pretend to be a shopping website or courier company customer service call in advance, saying that there is a problem with the quality of the goods, the loss of the courier, etc. need to be refunded, or on the grounds of operational errors, induce consumers to fill in the transfer information to the refund page, and finally transfer the money from the bank card.
There is such a case.
Mr. Cheng of Suzhou received a call from a customer service claiming X treasure, and said that because of the operation error of their customer service, they accidentally opened a super member, the project has to pay a service fee of 500 yuan per month, if you need to cancel, you need to download a bank APP account first.
In order to gain Mr. Cheng's trust, the "customer service" also accurately said some of the things he had recently purchased.
Just when Mr. Cheng was deceived, the police quickly rushed to his home through anti-fraud warning to prevent the occurrence of the scam.
As for how this method accurately finds the other party's logistics information, I think the probability is because:
<h1 class="pgc-h-arrow-right" data-track="98" >3, "pig killing plate" investment fraud</h1>
As the name suggests, it is the process of "raising pigs" and "killing pigs" by scammers.
The "pig" in the mouth of the scammer refers to those single people who are emotionally frustrated, mostly young women.
First of all, the scammer will "self-package" and create a tall persona:
May be 985, 211 high-quality students;
It may also be rich and handsome;
Or the industry elite in various fields...
Then slowly contact those lonely, longing for love victims through social platforms, cultivate "feelings", and confirm each other's work, experience, family and other situations.
Wait for the other party to let down their guard, completely believe in themselves, and then guide the other party to play lottery, financial management and other high-yield investments,
The victim will slowly put money into it, and finally be deceived into running out of money.
Two years ago, Ms. Chen of Shenzhen reported to the police that she met a man online, and fell in love for a while, invested in virtual currency under the recommendation of the other party, and when she reacted, the money was gone, and people ran away.
This year, Shenzhen police caught the fraud gang hiding in the Philippines.
After investigation, the gang defrauded 23 victims of a total of 6.19 million yuan through the "pig killing plate".
It is said that the liar is not terrible, afraid that the liar has culture,
But the scariest thing is that the liar understands feelings.
The routine of "killing pigs" boils down to the use of people's emotional psychology to impact the weakest defense line of the other party.
With intimate relationships, mutual trust, and the trick is mostly due to human nature.
<h1 class="pgc-h-arrow-right" data-track="123" >4, impersonating a "celebrity" scam</h1>
I, Qin Shi Huang, play money!
It is the grandfather of this kind of fraud.
Various celebrity versions have also been derived from this: Hawking, C Ronaldo... Even more and more outrageous.
Of course, if it is only text messages, ordinary normal people will not be deceived.
The deceivers are also well aware of this and are constantly improving their means to achieve truth.
From voice to photo to AR face swap, the trickster's tireless spirit of mechanics is really tearful.
As long as there is a dream, you will become anyone.
Unlike the "pig killing plate",
Mainly because the celebrity effect can bring better results,
The brain supplement ability of "die-hard fans" and "true love fans" does not need to be operated by scammers, they will deceive themselves.
The case of "Wang Sicong" at the beginning is an example.
In fact, most of this kind of fraud still occurs in some middle-aged and elderly people, as soon as they see "celebrities" plus WeChat, or what videos, believe it or not, believe everything, and the result is that they fall into the pit that people have long designed.
There is a 61-year-old aunt in Jiangxi, who is crazy infatuated with "Jin Dong" who changes his face on the X-tone AR, thinks that what "Jin Dong" says is true, sends him a lot of gifts, and even fights with her husband in reality, wanting to run away for love.
It's magical, and it's heart-wrenching (heartbroken husband)...
Coincidentally
At the beginning of October, a 72-year-old aunt in Hainan engaged in "online dating", and the "boyfriend" said that he was a big man of the United Nations, often going to Afghanistan, Vietnam and other countries to do oil development, infrastructure and other businesses.
The other party sent WeChat to say that when entering Hong Kong, the items on the body were detained, and 30,000 yuan of customs clearance fees were urgently needed, hoping that the aunt could help.
In the United Nations to do oil business, but also let the big mother transfer 30,000 yuan,
Good fellow, you and "Wang Sicong" screwed the screws on the assembly line together.
But the aunt did not think much about it at that time, and was ready to leave for the bank to send money.
Fortunately, the police found out in time, blocked the remittance behavior of the big mother, and still refused to let the police delete their contact information...
I think of a word, "the most beautiful is the sunset red".
Think about this scam method arguably the lowest cost,
Not only does it not use any high technology, but only one mouth can make the other party willingly pay money.
Although the means of scammers are endless, how to prevent fraud has become the most worrying problem at present.
But in fact, most of the problems are still in ourselves.
As long as we learn to be smart, will the crooks succeed so well?
To put it mildly, whether the scammer can cheat the money depends on the INTELLIGENCE of the other side.
Therefore, the prevention of network telecommunications fraud itself is the key.
<h1 class="pgc-h-arrow-right" data-track="166" >1, improve fraud prevention and security awareness</h1>
Many people have been deceived, especially in recent years the crowd of telecom network fraud has become more extensive,
The group of middle-aged and elderly people to highly educated young people is caused by insufficient professional knowledge or weak awareness of fraud risks.
This is a truth with insurance, because of poor information and lack of professional knowledge, it is easy to be fooled by insurance salesmen.
Therefore, the first thing to do is to improve your own cognition, which is the core response.
Usually have time to pay more attention to relevant media reports and fraud cases exposed by the Internet, and understand common fraud methods.
The best way to deal with scammers is to "blend in" with them.
There are also key articles on fraud risk prevention published by official platforms such as public security inspection organs, which should be read from time to time.
It doesn't take a few minutes a day, and this time may earn tens of thousands of yuan for your future self.
The most important thing is to consolidate your own psychology, maintain a normal heart, a vigilant heart, do not trust others, do not covet small profits,
In other words, it is to show the spirit of "treating money as life".
If you don't want money, you have a bad life. As soon as this was said, the crooks lost their appetite.
<h1 class="pgc-h-arrow-right" data-track="183" >2, protect personal information</h1>
The cases mentioned above have taught us a profound lesson – to protect your personal information.
99.9% of scams are prerequisites and necessary steps to obtain private information.
So cutting the crooks off from us at the source is key.
For example, in private informal occasions, do not disclose sensitive information such as face photos of yourself or your family, fingerprints, home addresses, etc. to strangers;
For example, under no circumstances, do not lend others their own ID cards and bank cards at will;
For example, in some unofficial web pages, try not to fill in your own information,
Even if you don't encounter scams, all kinds of harassing phone calls are quite uncomfortable.
In a word, it is best that you always be "no one" in the world of liars.
<h1 class="pgc-h-arrow-right" data-track="194" >3. Strengthen account security management</h1>
Putting a good "lock" on your account is a key part of fraud risk prevention.
Like me, I set up complex and different passwords for each bank card and each online banking account.
I can't wait to be proficient in the use of various encryption methods, what Caesar encryption method, fence method...
But looked at my wallet again, forget it, the lock is more expensive than the locked thing.
In addition, never disclose the relevant SMS verification code or password to others.
Avoid clicking on suspicious links and confirm authenticity before filling in the account number and payment password on some websites.
The password I've worked so hard to set up can be given to give.
Finally, there is another point to note, when receiving long-term non-contact "acquaintance" text messages, WeChat, etc. asking for transfers,
Be sure to be cautious about multi-party verification and verification.
<h1 class="pgc-h-arrow-right" data-track="208" >4, using other auxiliary methods</h1>
"I'm an anti-fraud anchor, what kind of anchor are you?" Have you downloaded the National Anti-Fraud Center APP? ”
Not long ago, Officer Chen on the X-tone caught fire,
Officer Chen publicized anti-fraud knowledge through live PK, which was deeply loved by the majority of netizens.
For a time, he also single-handedly pushed the National Anti-Fraud Center APP to the first place in the download list.
This APP is a national anti-fraud system organized and developed by the Criminal Investigation Bureau of the Ministry of Public Security.
Can provide free anti-fraud protection, when receiving suspected fraudulent phone calls, text messages, websites, you can intelligently identify scammers and timely warning;
Illegal and suspicious telecommunications network fraud can also be reported online, providing more anti-fraud clues for the police;
In addition, there are functions such as authentication and risk query.
In short, in order to greatly reduce the risk of fraud, it really needs to be present in our mobile phones,
Especially for those who are particularly gullible,
It can be said that the IQ is not enough, and the APP comes together.
Of course, if you are really careful about the property loss after being scammed, we can also buy a fraud prevention insurance for ourselves first.
Can scams also be compensated?
As a well-known insurance blogger, overtime insurance, anti-small three insurances what a strange insurance has not been seen,
Not to mention that fraud is also one of the most common risks at present, and anti-fraud insurance is still necessary.
In fact, as early as 2016, Alipay launched an "anti-telecommunications fraud insurance".
Specially used for children to insure their parents, the maximum amount of insurance is 50,000, and the minimum premium is only 9.9 yuan,
The scope of protection mainly includes the loss of bank account funds caused by telecommunications fraud, and the loss of funds of third-party network platforms (such as Alipay, WeChat Pay, etc.), that is, in addition to direct cash transactions, all losses that can be queried through flowing water are within the scope of protection.
However, the disadvantage is that it can only protect the middle-aged and elderly population.
As a result, in 2017, X-Security insurance launched another telecom fraud insurance, which is open to all users.
Up to 10,000.
Similarly, only online telecommunications fraud is guaranteed, not offline.
Moreover, the public security bureau needs to file a case and not recover it within 90 days in order to settle the claim.
In addition to being the main responsibility of insurance, some insurance also adds fraud prevention to value-added services.
For example, this elderly accident insurance:
Provide anti-fraud services, including big data analysis, anti-fraud SMS reminders, service sharing and other functions,
It is equivalent to sending an anti-fraud functional package in vain, which is also very good.
To sum up, although the money lost by anti-fraud insurance is only a drop in the bucket for hundreds of thousands of big fraud cases,
But it can also solve most of the economic losses,
The most important thing is that an anti-fraud insurance is not expensive.
In fact, to prevent fraud,
It's not enough to rely on one insurance.
Like I said before,
The most important thing is to strengthen their own anti-fraud security awareness, so that scammers have no chance to take advantage of it.
Remember, in the anti-fraud world, IQ is always equal to money,
Both are indispensable.
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