What does it mean to hold your purse tightly?

Keeping your wallet tight means not spending money recklessly. It can also be understood as, don’t be deceived by the merchant’s rhetoric and buy his stuff.

Or don’t be tricked by bad people into investing.

In recent years, telecommunications and online financial fraud cases have been on the rise in various places. Many people have suffered losses, and there was even a case of death of Xu Yuyu, a college student from Shandong, due to fraud. Xiaowei reminds everyone to be more vigilant and beware of fraud.

A few days ago, Uncle Wang encountered a fraud incident. The scammer pretended to be a public security officer and called to threaten Uncle Wang that he would be prosecuted for being suspected of a certain economic case. In order to clear the suspicion, Uncle Wang needed to transfer funds to the "safe account" provided by the scammer through online banking for supervision. Uncle Wang was unprepared and was induced by the scammer to leak relevant bank card information, and followed the "prompts" step by step to transfer funds, which ultimately led to the funds being defrauded.

What are some common techniques used by fraudsters in daily life?

According to bank professionals, there are several common fraud techniques:

1. Pretending to be a public prosecutor and fraudster

Scammers usually modify the fraud through software or technical means. The caller number pretends to be a public prosecutor's office, and first deceives the customer's trust, telling the customer that coercive measures will be taken due to suspicion of a certain case. In order to clear the suspicion, the scammers need the cooperation of the customers, keep it strictly confidential and do not mention it to family and friends, and do not hang up the phone. Then they trick the customers into providing their personal financial status, and then fabricate reasons to ask the customers to remit money or transfer funds to the "bank account" provided by them through electronic banking channels. "Safe Account" for supervision, thereby defrauding customers of their funds.

2. Credit card limit increase fraud

The scammer starts with a call from a stranger, claiming to be a staff member of a bank, and asks the customer to reveal the credit card number, identification code on the back, and transaction password by checking the identity information. Wait for information, and finally the scammer will either ask the customer to inform them of the verification code received on their mobile phone, or they will send a link with a virus asking the customer to click on it and fill in the information to steal the credit card.

3. Pretend to be a subsidy fraud

Scammers ask customers to provide subsidies for the purchase of new cars, subsidies for newborn babies, subsidies for the purchase of new houses, subsidies for the disabled, etc. Provide bank account numbers and relevant personal information, and require customers to operate at ATM machines to receive subsidies or use the opportunity to defraud in other ways.

4. Phishing website fraud

Scammers use fake base stations to impersonate the bank’s official customer service 955xx, and send fraudulent text messages to customers on the grounds of points redemption, cipher upgrade and invalidation, credit card application, etc. , luring customers to log in to the phishing website in the text message and enter the card number, password and dynamic verification code to process, thereby stealing customer funds.

5. Online shopping refund fraud

Scammers register online stores on Taobao and other shopping websites, or apply for jobs as "waiters" in online stores, and use hacker attacks and other means to steal customer receipt information. and order details. After the buyer takes the photo of the product, contact the buyer to inform him that there is a failure in the payment system (card order) and that he needs to pay again or get a refund. The scammer will also ask the customer to receive the refund operation process information (carrying a Trojan horse) from the customer, thereby taking the opportunity to steal the customer's bank card account number, password and other information, and transfer the funds in the card.

Special reminder:

1. Keep bank card passwords, electronic cipher dynamic passwords and mobile phone SMS verification codes properly. Do not enter them easily on websites other than the official bank website, and do not enter them easily. Tell others.

2. Remember that "pie in the sky will never fall", do not click on the URL of WeChat, text message or email easily (especially when handling password upgrade, points redemption, prize winning and tax refund, etc.).

3. Be wary of suspicious calls such as profiteering and financial management, public prosecutors and law enforcement, calls from leaders, family members in danger, etc. Do not trust or transfer money, and verify the whole story through multiple channels to avoid being deceived.