What are the ways of online fraud and how to prevent it?

Criminals pretend to be major banks, mobile, China Unicom, telecommunications and other enterprises with integral functions, and send points to exchange SMS and WeChat. Give it to the victim, and ask the victim to download the client or click the link to obtain personal information such as the victim's ID number, bank card number and bank card password, and use the above information to spend or transfer the amount in the victim's bank card online.

Related case: Ms. Shen received a message at her work unit 10086 that she could exchange points for gifts. The specific content of the message is: "Dear users, your points have not been redeemed and will be cleared soon. Please log in with your mobile phone.

Www. 10086lyn.com and install and download according to the prompts, and activate the client to redeem the 308 yuan cash gift package. "After the victim clicked on the link, he followed the instructions of the other party and found that the bank card was brushed away by 6000.

Yuan. The text message of this kind of case is sent as 10086, which is very confusing and many people are deceived.

Police tip: criminals often send you text messages, WeChat or phone calls for various reasons under the guise of relevant departments. Because of the disclosure of personal information, criminals will know some of your personal information, so please don't trust or provide your personal information to criminals, and don't click on any links, which will contain viruses. In particular, no enterprise or department will require citizens to provide bank card passwords and verification codes. The verification code is the only verification mark used by individuals and shall not be disclosed to anyone except yourself.

Second, impersonating customer service fraud.

The criminals obtain the shopping information and personal information of netizens through illegal means, ask the victim to log on to the fake shopping website or bank website to operate, obtain the victim's bank card number and password, ask the victim for the verification code, and then draw away or consume the funds in the victim's card.

Another frequent situation is that the main reason is that online shopping or transfer is unsuccessful, and the customer service phone number of related companies is searched online. After searching for a fake customer service phone number, I was cheated according to the requirements of the fake customer service.

Related case: Mr. Li received a phone call at home, and the other party claimed to be an employee of a shopping website, saying that there was something wrong with his order and he needed to change it. Then the other party hung up. Later, Mr. Li received another call. On the phone, the other party claimed to be a staff member of China Merchants Bank (can provide name and work number) and said that he would help Mr. Li correct the problem and ask Mr. Li to transfer money to him. Mr. Li transferred RMB 72,084 to his bank account. After the transfer, the other party said that the operation was unsuccessful. Later, Mr. Li transferred 400 13 yuan to the above account through online banking, and the other party also claimed that the operation was unsuccessful. So Mr. Li transferred money to the above account through his Alipay 130 19 yuan. Later, Mr. Li received a phone call from the other party and said that his operation was still unsuccessful. After contacting the customer service of China Merchants Bank, Mr. Li found that he was cheated because the bank did not have this service.

The police reminded: major banks will not provide anyone with an account number to request remittance by phone, SMS or WeChat. In case of the above situation, please go to the nearest business outlet to ask the bank staff or call the official customer service phone of the bank to confirm. No matter what kind of order is abnormal, customers will not be required to remit money to the designated account, so please do not remit money to any unknown account.

Third, online part-time fraud

Criminals post part-time information on job-seeking information, recruitment information websites, forums, Weibo and related communication groups through the Internet, asking victims to buy virtual goods such as mobile phone recharge cards, game cards and shopping cards at designated illegal shopping websites, and taking the rebate as a temptation to defraud the victims to pay for the goods and resell the purchased virtual goods at low prices.

Related case: Huang found a part-time job information earning 1,000 yuan a day on a website connected with QQ. So Huang added the other party as a friend, and the other party said that "swiping a part-time job" was through virtual consumption of mobile phone recharge cards on specific shopping websites. After successful consumption, the principal and commission will be returned to Huang's account. According to the prompt, Huang used his Alipay account to shop in a shopping mall for 5 times, spending RMB 15344 yuan. He didn't receive the cash back from the other party, and the other party refused to return the principal, so all the prepaid cards he bought were invalid.

Police tip: major websites will not create virtual purchase records in order to enhance network visibility and credibility. Any part-time job should carefully verify the content and nature of the job and the nature of the person who publishes the recruitment information. Don't trust any online stranger who asks for money to buy things before meeting him.

Fourth, ticket refund and change fraud.

In the name of "canceling the flight, providing refund and changing the service", criminals take advantage of passengers' anxiety to ask the victim to transfer money to the bank card involved, or ask for the victim's bank card password and verification code to commit fraud. In such cases, criminals can accurately tell the victim's name, ID number, mobile phone number and other detailed personal information, which is very confusing.

Another kind is that passengers want to change their tickets, so they search for the customer service phone number of airlines or booking websites online, and as a result, they search for fake airline customer service phone numbers, asking passengers to operate as required and implement fraud.

Related case: Mr. Bai booked a plane ticket from Beijing to Guangzhou and received a text message the day before departure. The specific content is: "Dear xxx passengers, you have booked the xxx flight from Beijing T3 to Guangzhou at 7: 00 on June 10+0.

The flight can't take off normally and has been cancelled. After receiving the SMS, please contact our company in time to refund or change the ticket. Sorry for the inconvenience! China Southern Airlines Customer Service Tel: 4008 166033 [China Southern Airlines Electronic Ticket Center]. Mr. Bai believed it and called 4008 166033 to contact the fake customer service. The fake customer service asked Mr. Bai to change his visa and asked him to transfer the money again with his bank card before issuing the ticket. After the ticket was issued successfully, Mr. Bai returned to restore the purchase price. After operating according to the requirements of fake customer service, he found that he was cheated.

Police tip: search the customer service phone numbers of airlines and booking websites online. All major search engines have officially certified telephone numbers. Please don't trust any other phone number, let alone dial it. Major airlines and travel booking websites have unified customer service telephone numbers, and passengers will not be required to transfer money to any account, nor will they be required to transfer money on ATM machines, nor will they be required to provide personal bank card passwords and verification codes.

Five, posing as an acquaintance fraud

After criminals obtained the victim's virtual communication tools, email accounts and other contents through illegal means, they claimed that they needed money urgently in the name of "I am your boss, your family has an accident, and I am your friend" and defrauded the victim to transfer money through the Internet.

Related case: When Wang logged into QQ at home, a strange QQ number added him as a friend. Wang found that the QQ avatar was her husband, which was basically consistent with the situation described by the other party in the chat. He said that he was in Germany and needed to buy a plane ticket to return to China.

Money, Wang Xin thought it was true, and transferred it to him 186400 yuan. Later, the other party also asked Wang to remit money. Wang became suspicious and called his real husband, only to find that he had been cheated.

Police tip: The person in charge posing as an enterprise or business partner asks the victim to remit money to a strange account through instant messaging software such as QQ and WeChat on the grounds of contract negotiation and urgent need for money by family and friends. Please don't use network communication tools as the only way to contact. If you encounter any transfer or remittance, please be vigilant, verify the identity of the other party through various channels, and beware of being deceived.