Anti-fraud list of Hubei University of Economics

There are various means of telecom fraud. For students, fraudsters have designed various fraudulent means, such as online brushing, online shopping, impersonating customer service, impersonating acquaintances, and campus loans. Many students fall into the fraud trap because of carelessness, which has brought serious consequences to life, study and family.

Then popularize several telecom fraud methods and some precautions to help you improve your ability to know and prevent fraud.

1, part-time swipe fraud

Brush sheets are online shop sellers who pay people to pretend to be customers, and use false shopping behavior to improve online shop sales, credit and praise, thus attracting more customers.

In the part-time swipe fraud, fraudsters pretend to be customer service personnel to send links to the deceived object, claiming that they will get a refund and a rebate after clicking the links, and even let the deceived object fill in an employment information to make them think that they are employed by a legitimate company to make money. After completing the first purchase task, the deceived object will receive the single rebate agreed by the customer service before, and use it as bait to attract the deceived object to buy a larger amount of goods. When the transaction reaches a certain amount, the so-called customer service staff will cut off contact with the deceived person and disappear. Because of the ease of work and income, the act of swiping a bill has attracted many students to participate, and such fraud cases are high.

2, grants, scholarships fraud

Fraudsters pretend to be national staff to issue grants and scholarships, and ask students to provide bank card numbers and passwords, directly inducing students to transfer money to ATM machines. When granting grants and scholarships, please consult the teacher and the local education department first, and never transfer money according to the other party's requirements without authorization to avoid being cheated.

3. Campus loan fraud

Fraudsters lied that campus loans require students to pay thousands of dollars in insurance money to trick students into transferring money and remittances many times; Or, in the school park, with students providing their personal information to borrow money on the online loan platform or buying high-end mobile phones as bait, promise that all borrowing students will not pay back, and will give students hundreds or even thousands of dollars in cash as a benefit fee afterwards. However, once the loan was successful, the fraudsters disappeared.

4. Online shopping refund fraud

Students are an important group of online shopping. After the fraudster illegally obtained the information of the online shopping buyer, he contacted the buyer for a refund on the grounds that the goods were defective. In the process of refund, fraudsters use strangers of the cheated object to induce buyers to enter the peer-to-peer lending platform. Under the constant guidance of fraudsters, they borrow money from the online lending platform step by step and transfer it to fraudsters. Or be induced to a phishing website by a liar, and after entering your bank card account number, password and verification code, the money in the bank card will be transferred away.

5. False link fraud

Pretending to be a teacher to send text messages to parents has become a new way of telecom fraud. Liars use adults' attention to children's psychology to lure them to automatically install their pre-made mobile Trojan software after clicking the link.

SMS messages are mainly disguised as seven categories: paying fees, checking courses, checking a letter to parents, checking family information, checking exam results, checking children's physical examination results, and reducing tuition fees.

Through "Trojan APP", criminals can steal private information such as bank cards and ID cards from the victim's mobile phone, and then use this information for further fraud, or directly use the stolen account password to steal or transfer money.

Therefore, parents should pay special attention to learn about students' information from the official channels published by the school, or get in touch with the school directly, and never click on unknown network links.

Matters needing attention

1. Check in advance when the transfer conditions are met.

Some swindlers call parents of students as teachers of the school guidance office, falsely claiming that their children have just arrived at school and are unwell and need to be hospitalized, and commit fraud on the grounds that they are in urgent need of medical expenses.

There are also scammers who call themselves "education bureau" staff, claiming that they have grants for poor students and telling a telephone number of "Provincial Education Department Office". The swindler lied that the money had been transferred to the bank and asked his parents to go to the bank to transfer money through ATM. In the process of transferring money, they defrauded money on the grounds of paying related fees.

When you receive a similar call, you should keep calm, get in touch with the parties directly, verify in many ways, don't remit money easily, and call the police as soon as possible when you find fraud.

Keep your privacy strictly confidential.

Students often use personal documents to buy daily necessities, and scammers often steal ID cards or copies to handle various bank cards, telephone cards, debit cards and other valuable documents.

Some freshmen buy calling cards from informal dealers, and may receive phone calls or spam messages. Some cheat bank card passwords on the grounds of subsidizing tuition and living expenses; Some claim to be the Ministry of Education or schools, and ask students to provide card numbers and passwords in the name of tuition refund.

Therefore, freshmen are reminded to keep their privacy strictly confidential, especially the bank card account number and password, which must not be disclosed to others.

3. Be wary of pyramid schemes.

Because of the light academic pressure, many students hope to find a part-time job, but various high-paying part-time advertisements may also imply traps. These swindlers who call themselves intermediaries will ask for a deposit first, then wait for news, and finally dispose of the money.

In addition, at present, new pyramid schemes often penetrate the campus in various forms. If someone tells you where he sells things, it is very profitable. Don't believe it easily. When there is a suspected pyramid scheme, don't believe it easily, don't take any chances, and report it to the school or the public security organ in time.

4. Reject over-consumption and over-consumption.

Campus loan fraud uses so-called preferential policies such as low threshold, zero down payment and zero interest as bait to defraud students' trust and implement fraud. The main means are: first, defrauding personal information, handling loan business instead of students, and disappearing after getting the loan; The second is to help students continue to use their identity to continue lending after applying for loans; Third, under the pretext of collecting deposits and personal deposits before the loan, the loan students were defrauded for remittance many times.

We should pay attention to establishing a civilized, rational and scientific consumption concept, refuse excessive consumption and advanced consumption, and choose the most suitable and beneficial consumption mode according to our own needs.

No matter how rhetoric and threats the swindler makes, everyone must remember the "three noes": "Don't listen, don't believe, don't transfer money, pay attention to preserving evidence when encountering telecom fraud, and call 1 10 as soon as possible".

While improving your own prevention ability, don't sell or disclose personal identity information, mobile phone cards, bank card information, etc. In order to avoid becoming an accomplice of a liar, bear the resulting criminal and civil responsibilities, and even affect personal credit information.