This afternoon, I suddenly received a verification message from 95533, saying that I was opening a personal online bank. What's going on here? Does it matter?

This is fraud. Ignore it. At this time, criminals will pretend to be bank employees and ask customers to receive SMS verification code. If the customer informs the criminals of the SMS verification code, all the funds will be transferred from the customer's own account, resulting in financial losses.

Judging from the industrial and commercial bank cases involved, criminals commit crimes in three steps: the first step is to illegally obtain the customer's bank card number and password, and then freely log in to the customer's online bank.

After the criminal bank scam, the second step is to buy "precious metal accumulation wealth management products" in the customer's online bank, and the customer will get the capital expenditure, but the money is still in my account. In fact, there is no external payment, but financial products from cash card banks.

At this point, the fraudster started the last step of the scam: transferring the accumulated funds from the customer account, which is a key step that requires a U shield or SMS verification code.

Extended data:

The person in charge of the e-banking business of China Industrial and Commercial Bank said that there was fraud in the use and accumulation of precious metals related to the e-banking business of China Industrial and Commercial Bank, and the bank had reported the case to the public security department. If the customer account was confirmed as a qualified criminal, China Industrial and Commercial Bank would be more complete, instead of operating the purchased and redeemed products, such as precious metal depository, handling fee and dissemination.

However, in view of the high incidence of telecom fraud and financial fraud, ICBC decided to temporarily implement transaction authentication measures for such transactions to fundamentally eliminate such fraud. "China Industrial and Commercial Bank is stepping up the development of new security measures to avoid fraud and improve the convenience of its business operations." The person in charge said.

The bank is contacting the customer, properly handling the customer's fraud, and informing the criminals that the account funds have been stolen through the SMS verification code. Some customers have suggested that investment products such as precious metal deposits have no U shield certification in ICBC online banking. The person in charge said that this design is not a security loophole, but it will not transfer money on the premise of ensuring the customer's funds, which improves the convenience of customers.

Baidu Encyclopedia-China Construction Bank Online Banking