If you want to get a bank card, you have to bomb the APP. Don't log in if you fail?

First of all, it is clear that the anti-fraud of this app is only for mobile phones, so the following discussion does not consider offline fraud. Nowadays, mobile phones have the function of anti-counterfeiting base stations, so the problem of pseudo base stations does not need to be considered, so there are only four ways left: calling through operators, sending text messages, sending messages through chat software, and fishing through web pages. In the end, it will definitely involve payment and transfer through banks or third parties. The telephone number is currently in the real-name registration system. If you already know that a phone number is a fraudulent phone, you can directly block it from the operator. If you don't know that this number is a fraudulent phone call, then the app can judge whether it is a fraud? Monitor calls, upload, and analyze meaning in real time? Obviously, it is impossible for most people at present. By the same token, if you want to monitor and prevent fraud, you can prevent it on the server side of chat software, and you don't need to install an app on the user's mobile phone. So is phishing. In the end, it must involve transfer, and there is no related transaction and no transfer of information. Liars all use WeChat to let you use Alipay to transfer money, or use the phone to let you use the bank to transfer money. Very few unscrupulous swindlers swindle and collect money on the same platform, and real-name registration system is too easy to catch. Including scammers and friends, the basic routine is to add an account to you, and then let you add another account, or even another chat software account. According to these characteristics, it is completely possible to share relevant data with multiple departments and enterprises to jointly identify fraud. There is no need to install the app on the user's mobile phone. It can be said that it is useless to pretend. If it is effective, you already know that it is a fraudulent phone call without installing the app, but it is possible that the data of the Ministry of Public Security has not been pushed to the operator.