In recent years, the rapid development of financial technology has brought convenience to people's lives and consumption. However, due to the virtual nature of the network, it also gives criminals with bad intentions an opportunity. Some criminals often use remote sharing on the network to carry out various frauds such as finance and insurance, which seriously infringe on the legitimate rights and interests of consumers and need to arouse the public's vigilance. In the following, Qianhai Life shares the common methods and precautions for online fraud, reminding consumers to stay away from the traps of fraud.
What are the common ways in which online scams are used?Qianhai Life reminds consumers that criminals will use fixed ** or mobile phone numbers such as overseas numbers starting with "+00", "area code + landline number" to impersonate the customer service of the platform company, claiming that if the victim's loan account on the platform has problems and needs to be closed, or the loan interest rate does not meet the regulations of the People's Bank of China, the loan amount, and the personal credit report needs to be adjusted, etc., claiming that if not processed in time, it will affect their personal credit and create psychological panic for the victim.
Then, after gaining the victim's trust, the "customer service staff" induces the consumer to log in to the meeting app, telling him to turn on the "screen sharing" function to facilitate remote assistance and guide the operation. After the victim turns on "Share Screen", all the operations performed on the mobile phone, including checking the bank card number, balance, receiving the verification code, entering the password, etc., can be seen by the criminals. After learning the above personal information, the "customer service staff" may directly transfer the balance in the card through online banking or third-party deduction.
During the operation, the "customer service staff" will inform the victim that a certain deposit is required. If the funds are insufficient, the "customer service staff" will help the victim apply for a loan from a financial company, and then induce the victim to use a company's app to make a financial loan, or induce the victim to take out a loan from another online lending platform. The "customer service agent" claims that the security deposit (or loan) will be refunded in full after processing;Finally, the "customer service agent" directs the victim to transfer the security deposit (or loan) to the bank account designated by the criminals. After the money arrived, the "customer service staff" immediately blocked the victim, and then lost contact, and finally completed the fraud.
What should I pay attention to to prevent online fraud?Qianhai Life Tips: Be sure to verify the identity of the official customer service, and you can directly verify the authenticity of the customer service to the official platformDo not easily transfer money to unfamiliar accounts to prevent being defrauded of funds;Be wary of new fraud methods such as "screen sharing" to avoid irrelevant people manipulating your mobile phone, resulting in the leakage of sensitive personal information, including facesStrengthen the protection of personal information, protect personal identity information, financial accounts, account passwords, SMS verification codes, personal biometric information, etc., and do not easily disclose them to strangers. Qianhai Life reminds consumers that when it comes to credit information, they should report to the public security organs as soon as they find that they have been defrauded and collect evidence, so as to better protect their own rights and interests.