How to prevent network telecom fraud

On the morning of September 23, 2022, Ms. Liu, a customer, went to Bank of Communications Xindu Dafeng Sub-branch to apply for increasing the transfer limit of mobile banking. During the inspection, the staff of the branch found that the customer's monthly salary was about 4,000-6,000 yuan, but there were several large transfers recently, and the payee was not fixed. At the same time, she applied for a new loan of 6.5438+0.5 million yuan. After communicating with the customer, Ms. Liu received a phone call claiming to be a bank employee, saying that the loan interest rate could be reduced, but 1.7 million yuan should be transferred to the designated account first, so Ms. Liu went to the bank today to increase the transfer limit of mobile banking in order to apply for reducing the loan interest rate. During the process of customer Ms. Liu handling business, the other party repeatedly called to urge, which caused the customer to be emotional. The staff of the branch judged that the customer had encountered telecom fraud and patiently discouraged Ms. Liu from transferring money.

After the patient appeasement and publicity of the branch staff, Ms. Liu realized that she had been cheated. Under the guidance of the branch staff, she called 1 10 to call the police, and at the same time handled the business of reporting the loss of the bank card and modifying the password.

Case enlightenment

Fraudsters guide customers to APPly for multiple loans to a number of banks, microfinance, JD Finance and other platforms through the Laibo screen app. In order to apply for reducing the loan interest rate, customers should not trust strange phone calls and handle the transfer business without verification.

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Mianyang Branch of Bank of Communications intercepted an illegal fund-raising fraud case.

The business department of Mianyang Branch of Bank of Communications intercepted an illegal fund-raising fraud case and avoided the loss of customers' funds.

Basic situation

On the afternoon of September 1 1, 2022, two elderly customers went to the business department of Bank of Communications Mianyang Branch to handle the transfer business. Our staff found that the beneficiary of the customer's transfer was Gansu Cultural Property Exchange Center Co., Ltd., and when they learned more about the situation from the customer, the customer claimed to have met the staff who claimed to be Gansu Cultural Property Exchange Center Co., Ltd. when shopping on 20 18. Promote the dividend rebate for investing in movies to them. The company has an office in Mianyang. The two old people felt that the company was more formal, so they both participated in the investment. Since 20 18, they have transferred more than 50,000 yuan to the company in the Mianyang office of the company, and have not received the rebate so far. Today, they received a phone call from the office staff, saying that the company moved to Chengdu because of the epidemic and wanted to guide the elderly to transfer money online. Because I was not familiar with the online transfer process and didn't want my children to know, I went to the bank to handle the transfer business.

Our staff initially judged that the customer was cheated, and immediately inquired about the company's credit information through Qixinbao, and found a lot of negative information about the company and illegal fund-raising news identified by the State Administration of Radio, Film and Television. The staff of our bank then contacted the staff of the unit for further verification, but the other party hung up and turned off the phone. Our staff informed the two elderly people of their doubts, gave them anti-fraud knowledge, and guided customers to call the police immediately.

Case enlightenment

Under the banner of state-owned units, companies that use fund-raising to invest in movies as bait set up seemingly formal offices to let people relax their vigilance and participate in investment, and even take advantage of the weaknesses of the elderly, such as weak awareness of prevention, poor discrimination and unreasonable network information, to gain trust and defraud funds. The elderly should tighten the string of awareness, don't transfer money easily, listen to their children's opinions, and beware of "pies" becoming "traps".

Case 3

Bank of Communications Panzhihua Qingxiangping Sub-branch successfully intercepted a phishing website fraud incident of "China People's Bank".

Bank of Communications Panzhihua Qingxiangping Sub-branch successfully intercepted a phishing website fraud incident of "People's Bank of China", helping customers avoid property losses.

Basic situation

On June 5438+1October 65438+April, 2022, customer Mr. Wang went to Panzhihua Qingxiangping Sub-branch of Bank of Communications to inquire about the mobile banking transfer business, saying that when handling the online transfer business, he found that the mobile phone could not make a call, and the staff of the sub-branch first stopped the customer from carrying out face recognition on the mobile banking, and further understood the situation from the customer. Customer Mr. Wang claimed that he received a phone call, in which the other party said that after the card was stopped, he could apply for lowering the loan interest rate through the website of the People's Bank of China, asking him to transfer the repayment funds to the "Bank of China Insurance Regulatory Commission" for interest-free relief. So the customer Mr. Wang operated the screen projection according to the requirements of the other party and wanted to transfer money through mobile banking.

The staff of the branch initially judged that Mr. Wang, the customer, was involved in telecom fraud, prompting the customer to call the police immediately and assisting him to download the National Anti-fraud Center APP. After the customer reported to the police, the police station also received feedback from several people in the same situation as him, confirming that the website of China People's Bank visited by Mr. Wang was a phishing website.

Case enlightenment

Criminals send a large number of fraudulent short messages, throw out lures such as "winning prizes", "tax refund" and "welfare" to attract the masses to take the bait, use the trust of the masses in banks and other financial institutions, falsely claim to apply for preferential interest rates, induce objects to visit phishing websites or click on links, and instruct them to operate the screen, thus controlling customers' mobile phones to commit fraud.

The masses must be highly vigilant against news and web pages of unknown origin. Don't click on unknown links at will, and don't transfer money and remittances to strangers easily. When you can't tell whether the information is true or false, you should consult your relatives around you, or consult financial institutions and police stations.