What are the tips to prevent telecommunications fraud?

1. Commonly used means of telecommunications fraud

(1) Frauds such as telephone arrears, interest-free loans, and lottery winnings. The criminal suspects send group messages or directly make phone calls under certain names, claiming that the victim has won a lottery or other benefits, so as to induce the victim to fall into the designed trap step by step to commit fraud.

(2) Bank card consumption, bank transfer SMS, and deposit prepayment fraud. For example, a criminal will send you a text message with content such as bank card consumption, transfer or overdraft. When you call to "inquire", several criminals will pretend to be "bank staff", "policeman", and "UnionPay Management Center" respectively. They set up traps layer by layer. As long as they make sure you have funds on your card, they will advise you to transfer the money to a "safety account" to defraud you of your money. When our bank customers receive the SMS message about account fund changes sent by our bank, the number is: 106901331601601689. This number is the only number for our bank to send account fund changes. If there are abnormal account fund changes sent by this number, or any abnormal transfer occurs Please call our bank's only customer service hotline: 400-160-1689.

(3) Tax refund fraud. Criminals pretend to be staff from taxation, finance, and vehicle management offices and call you, saying that "the state has lowered the deed tax and car surcharge rates and want to refund the tax." They ask you to provide your bank card number and transfer the tax directly through an ATM machine to refund the tax. When you go to the ATM, the criminal claims that the tax refund system only supports English interface, and asks you to follow his instructions on the phone and take the opportunity to withdraw your money.

(4) Fictitious kidnapping or emergency situations to commit fraud. Criminals will pretend to be other people and call you to falsely claim that your relatives have been kidnapped or have sudden illness, such as: children who go to school in other places, encounter car accidents, sudden illness, summons from the court and other "emergency situations", requesting you urgently. Send money, once you send money, you are being scammed.

(5) Use QQ loans or online purchases to commit fraud. Criminals use hacking methods to steal someone's QQ, and then send loan request information to their QQ friends to commit fraud. Some even intentionally conduct video chats with QQ users in advance, obtain the user's video information, and intentionally play the pre-recorded video of the user when committing fraud to gain trust.

(6) "Pretending to be a leader" or "a gang member" to commit fraud. Criminals pretend to be leaders and call the person in charge of a grassroots unit, and on the pretext of sales promotion, ask the deceived unit to pay the subscription fee, supporting fees, handling fees, etc. to a designated bank account, or defraud the victim, pretending to be a gang member, and threaten the victim's family and death. , needing to take money to eliminate disasters and other fraudulent activities.

(7) Telephone dating scam. Criminals use the Internet and newspapers to publish dating information with superior personal conditions (for example, falsely claiming to be a "sister" or "rich businessman"). During phone calls, they use sweet words to confuse the victim, and then take the opportunity to defraud.

(8) Using WeChat to commit fraud, such as obtaining personal privacy through the "Shake" function, using the "Scan" function to scan QR codes to open virus-infected pictures, links, etc. At the same time, the emerging new shopping method QR code shopping also needs to be used with caution. For transfer or remittance requests sent by similar bank WeChat customer service, once account funds are involved, repeated confirmation is required before remittance can be made. The WeChat official account of Changge Xuanyuan Rural Bank is "Xuanyuan Bank". Our bank's WeChat customer service will not send information requesting transfers or remittances through WeChat. For abnormal remittance requests, please call our bank's only customer service hotline in a timely manner: 400-160- 1689 verified.

2. Telecom fraud prevention skills

To prevent telecom fraud cases, the most fundamental thing is to improve your own prevention awareness. There are three important things to do in work and life:

Don’t be gullible: Don’t be gullible: Don’t be gullible with phone calls and text messages from unknown sources. No matter what sweet words or flattery the criminals use, don’t believe them easily and walk away in time. Hang up the phone.

Do not reply to mobile phone text messages and do not give criminals an opportunity to set further traps;

Do not disclose: consolidate your psychological defense line and do not be tempted by criminals or illegal text messages because of greed for small profits. No matter what the situation, Do not disclose your and your family’s identity information, deposits, bank cards, etc. to the other party. If you have any questions, you can call 110 for help, or check with relatives, friends, or colleagues.

No transfers: Learn and understand the common sense of bank cards, ensure the safety of funds in your bank cards, and never send or transfer money to strangers. According to statistics from a sample survey conducted by the public security organs, more than 70% of the victims were women; in terms of age, 70% were middle-aged or elderly. Therefore, middle-aged and elderly people and women should pay special attention. There are also some company accounting personnel and people who often have financial transactions. Before remitting or transferring money, they must verify the other party's account number again and again to prevent criminals from succeeding.

To report the case in time: If you are deceived or hear that your relatives or friends have been deceived, please report the case to the public security agency immediately. You can dial 110 directly and provide the scammer’s account number, contact number and other details so that the public security agency can Conduct investigations and solve crimes. To sum up, don’t trust unknown calls, verify the identity of the other party, don’t reveal privacy at home, be careful when it comes to money, don’t panic when something happens, call 110 in time, and don’t delete fraudulent information.