Tips for banks to prevent telecom fraud

1. When you receive a call, no matter who the other party is, you should always hang up as long as the bank card is involved: if a stranger asks you to transfer money and remit your deposit by phone, internet or SMS, don't listen, don't believe, don't transfer money and don't remit money.

2. When you get a call and talk about winning the prize, hang up: Don't believe that there is such a thing as pie in the sky. The unprovoked winning information is set by the liar. 3. Upon receiving the call, the public security organ and other personnel will hang up: now the swindler will pretend to be the staff of the public security organ, claiming that the victim's bank account deposit is abnormal, etc., and cheat on the grounds of so-called protection.

4. All short messages, as long as there are links, will be deleted: this is a typical fraud method that uses short message links to implant Trojan virus into mobile phones. 5. The links sent by people we don't know on WeChat are different: there are many fortune-telling games in WeChat, which usually steal your mobile phone number in the background. If the input name matches, it will steal the name and mobile phone number information, so everyone should pay attention to protecting their personal information.

2. What are the tips to prevent telecom fraud?

Regarding the prevention of telecom fraud, Chen Bin, CTO of yeepay, a leader in the field of Internet payment, summed up the "six tricks":

The first trick: When you receive a phone call or text message suspected of fraud, you should pay attention to verifying the identity of the other party, especially when the other party requests to remit money to the designated account, don't remit money easily, and call the police at the first time.

The second measure: abnormal numbers, such as 00 19, are overseas calls, so please do not reply easily; Criminals can set the calling number at will through the software, and don't trust the so-called "official number" of the caller ID easily.

The third measure: understand basic financial common sense and insist on using familiar channels. If you want to try to use unfamiliar banking services, you can consult the staff at the bank outlets first.

The fourth measure: never reveal the bank card password. Private information such as users' bank passwords are mostly stored in the banking system in non-plaintext form, which cannot be directly seen by bank staff. It is not normal for any bank staff to ask users to tell their passwords by telephone for verification, so we need to be vigilant.

The fifth measure: the public security police and tax officials will never call to instruct the victim how to transfer money and set a password; The public security department can never provide a so-called "safe account". If there is any uncertainty about the criminal's statement, it should be verified through official telephones such as 1 10 and the local tax public hotline.

The sixth measure: criminals get limited information from one channel. Without providing more personal information, they should calmly ask the other party to provide more information, or ask them to operate from official channels (APP notification, official website notification, etc.). ), and don't trust the links of SMS, email and other channels.

3. How to effectively prevent telecom fraud

To prevent telecom fraud, we can start from the following four aspects:

1. Attach great importance to preventing telecom fraud.

From the manager to the counter staff, we should carry out preventive duties at all levels, fully understand the significance of doing a good job in telecom fraud prevention to ensure the safety of customers' funds and establish a good service image, and do a good job in combination with the actual situation of the post to effectively prevent reputation risks.

2. Actively explain the key points of preventing telecom fraud to customers.

Explain all kinds of fraud cases to customers, and improve their ability to identify and respond to fraud forms such as telephone winning fraud, court seizure fraud, car tax refund fraud, credit card consumption fraud, etc.

Warm tips warn customers not to trust all kinds of winning information, and not to trust others' investment misleading. And remind customers to protect their personal information, bank media and passwords.

3. Actively participate in anti-fraud skills training.

Vigorously maintain the high-pressure situation that cases must be blocked and cases must be prevented. Participate in telecom fraud prevention knowledge training at the first time, be familiar with telecom fraud prevention methods, and master the anti-fraud essentials.

Organize drills to prevent telecom fraud, and improve the alertness and practical handling ability of counter personnel.

4. Intensify the inspection of the self-service area in the business area.

For customers who handle remittance or transfer business, kindly remind customers not to remit money to strangers easily. For customers who look flustered and behave abnormally, ask the reason for remittance and whether they know the payee.

Timely release "safety tips" and "goodwill reminders" to customers. Once suspicious, immediately discourage customers from terminating their business, eliminate risks from the source and ensure the safety of customers' funds.

Extended data:

First, anti-fraud cheats:

1. Telecommunications, banking and public security systems all have their own platforms. Liars say your account involves money laundering or your account is unsafe. I want to transfer it to your safe account.

If you don't trust me, it is actually impossible to transfer you to the public security bureau and the bank, because they are different systems and platforms, so it is impossible to transfer directly, so don't trust him.

No company has ever set up such a safe account. The so-called security accounts are all set by scammers. Which account is a secure account? Your own account is safe, and so is your own confidential account.

3. When the tax department and the financial department refund the tax to consumers, they will make announcements through telecommunications, newspapers and other departments. For example, restricting the refund of road maintenance fees by motor vehicles is publicized on the Internet, newspapers and television.

I will never call and say that I want to refund your money. These are all lies. If the mobile phone is in arrears, the telecom company will send some bills to recover the arrears, and will not call manually. Everything involving your account number and password must be thought calmly.

4. Don't trust phone calls and text messages of unknown origin. No matter what sweet words criminals use, don't believe them easily. Go away in time and hang up the phone. Do not reply to mobile phone text messages, and do not give criminals the opportunity to set traps further;

5. Consolidate your psychological defense. Don't be tempted by criminals or illegal text messages because you are greedy for small profits. No matter what happens, don't disclose identity information, deposits, bank cards, etc. You and your family.

6. Learn the common sense of bank cards, ensure the safety of funds in your bank cards, and never remit or transfer money to strangers. According to the sampling survey of public security organs, women account for more than 70% of the victims in terms of gender.

In terms of age, middle-aged and elderly people account for 70%. So middle-aged and elderly people and women should pay special attention. There are also some company accountants and people who often have money dealings. Check the account number of the other party repeatedly before remittance and transfer, so as not to let the criminals succeed.

Second, telecom fraud means:

1, credit card consumption fraud

Criminals send text messages in groups, pretending to be UnionPay center or public security police, demanding that the money in the bank card be transferred to the so-called safe account or take the bank account number and password to commit crimes on the grounds that the victim's bank card consumption may disclose personal information.

2. Package fraud

Criminals claimed to be suspected of money laundering on the grounds that drugs were found in the victim's package, and asked the victim to transfer the money to the national security account for a fair investigation, thus committing fraud.

3. Medical insurance and social security fraud

The criminals pretend to be the staff of the social security medical insurance center, falsely claiming that the victim's medical insurance is abnormal, and may be fraudulently used by others, overdrawn, suspected of money laundering, drug trafficking and other crimes.

Later, pretending to be a staff member of the judicial organs, on the grounds that the investigation was fair and easy to verify, the victim was tricked into sending money to the so-called safe account to commit fraud.

4. Inducing remittance fraud

Criminals directly ask the other party to remit money to a bank account by sending short messages in groups. Because the victim is preparing to remit money, after receiving such remittance fraud information, he often puts the money into the liar's account without careful verification.

5. Ticket change fraud

Criminals pretend to be airline customer service, and on the grounds of "flight cancellation, providing return and change service", they repeatedly trick ticket buyers into remittance operations and implement serial fraud.