What are the common types of telecom fraud? How to prevent telecom fraud?

Suspects generally pretend to be public servants such as the "Finance Bureau", claiming that the victim still has undistributed subsidies by sending text messages or making phone calls, and asking the victim to contact a mobile phone number. After the victim contacted the mobile phone number, the other party claimed to be a staff member of the "Finance Bureau". After gaining the trust of the victim, guide the victim to bring his bank card to the ATM machine for operation, and then use the characteristics of the victim's unfamiliarity with banking business to trick the victim into transferring money and remittance, thus implementing fraud.

Preventive measures:

Before the holiday, there is a high incidence of all kinds of scams. Don't trust such phone calls claiming to pay subsidies. There are strict regulations on the payment of subsidies, and they will not be paid directly by bank remittance without making a phone call.

Deception 2: pretending to be Tmall customer service

Online shopping is becoming more and more popular, and the promotion of double eleven and double twelve has made many people rush. Some lawless elements took advantage of the situation and pretended to be Tmall customer service to commit fraud.

Preventive measures:

If consumers who shop online encounter similar situations, they should first log on to the shopping website official website, dial the number provided above, communicate with the customer service staff and verify the situation.

Deception 3: the social security card is deactivated.

There are three ways to swindle social security cards by phone: one is to make a phone call (manual or voice call) or send a short message in the name of receiving social security subsidies, medical subsidies or one-time pension subsidies, to induce insured persons, especially retirees, to call the "social security agency" for consultation, and then to trick them into revealing their ID numbers and bank accounts to commit fraud; The other is to ask for personal information such as the card number and name of the social security card in the name of freezing the arrears of the social security card, and induce the insured to transfer money and remit money to commit fraud; The third is to issue false certificates to insured units and individuals under the guise of social security institutions. In the name of changing the social security fund account, the insured units and individuals are required to pay social security fees in advance, and the funds are directly transferred to a bank account for fraud.

Preventive measures:

Neither social security card nor medical insurance card has telephone, SMS or voice prompt service, and social security card has no overdraft function, so whenever you encounter similar telephone and information, remember not to disclose your identity information and social security card password to the other party.

Deception 4: pretending to be a bank customer service staff or a bank text message.

The criminals use a software called "number changer" to change the number to the customer service number of the bank, and then use the mobile pseudo base station to send fraudulent information to lure the recipient to log on to the fake bank website that has already been designed. Once the victim enters the account number and password on this website, criminals can transfer the funds in the victim's account through the network.

Preventive measures:

In order to exchange credit card points, it is best to log in to online banking or mobile banking through official website, instead of clicking on the URL links in short messages and links on other web pages such as forums. If the website or link you see when using your mobile phone is not official website, don't click Login or enter your account password. In addition, don't tell others the dynamic password generated by the electronic cipher; Don't call the so-called (including "400") consultation telephone provided by the other party at will, and go directly to the relevant bank departments or inquire through official channels; Don't be easily confused by the identity of the customer service staff of the other bank, don't believe the so-called new policy, and ask a few more detailed questions, which will easily expose the liar.

Deception 5: pretending to be a public security officer

It is a common trick of criminals to impersonate the staff of public security, procuratorate, court and other state government agencies to commit telecom fraud. The swindler first informed the suspect by phone, faxed a "arrest warrant", and then pretended to be a "public security bureau" to handle the case remotely, demanding to freeze funds and defraud money.

Preventive measures:

The public security organ will not handle the case by telephone "remote control", nor will it set up a so-called "safe account" to request money transfer, let alone ask for important information such as bank account number, verification code and password, and call the police in time when it receives a call like "Don't trust, ignore or remit money".

Trick 6: Come to my office.

XX, come to my office tomorrow morning. The other party can call us by name, but we don't know who he is. If you ask him who he is, he will seriously blame you. "Can't you hear the voice of the leader?" Scared you to guess who he is nervously and doubtfully. When we encounter this kind of phone call, it is likely to be phone fraud, so we must be careful to guard against it.

Preventive measures:

There are many frauds in the name of leaders and their hobbies, such as shopping, remittance and borrowing money. Many victims are embarrassed to call the leaders on the spot for verification out of consideration, but they are easily deceived. To prevent losses in this kind of fraud, first, protect your personal information; Second, you must determine the source of this call; Third, check the "leadership" information. No matter how the other person goes around with you, the ultimate goal will definitely fall on money. So as long as the other party asks you for money and asks you to remit money, it is basically fraud.

Deception 7: posing as an attending doctor for money

The "come to my office" scam moved to the hospital and pretended to be a doctor to ask for money-this is the third variant of this scam.

Preventive measures:

Patients should pay attention to the following matters in the process of seeking medical treatment: First, medical staff are forbidden to accept patients' red envelopes. If they receive such a phone call asking for money and goods, it must be a fraudulent phone call. Second, patients should always pay attention to the people around them when filling out the admission-related forms to prevent personal information from being peeked and leaked. In addition, once the patient fills in the wrong information form and throws it into the trash can, it is easy to be used by people with ulterior motives, leading to the disclosure of personal information. Third, the family members of patients must be on high alert when they receive such a call requesting that medical expenses be transferred to their accounts, so as not to be deceived. In addition, hospitals will not ask patients to deposit medical expenses into private accounts by telephone or other forms to collect fees.

Trick 8: Guess who I am.

After obtaining the victim's phone number and the owner's name, the criminal called the victim and asked him to "guess who I am". Then, according to the identity of the victim's acquaintance, he fabricated reasons such as "public security detention" and "traffic accident" to borrow money from the victim.

Preventive measures:

If you get a call "guess who I am", don't guess, just ask the other person's name; If the identity of the other party cannot be confirmed, it can be verified by a third party's relatives and friends; You can ask to meet, and if the other party shirks in every way, you can gain insight into its flaws; When the other party expresses that it is in urgent need of money in case of emergency, to verify the truth of the incident, it can be learned from the relevant case-handling department, and if possible, it can go in person or entrust relatives and friends to the incident. Once you determine that the other party is a liar, you should report it immediately.

Deception 9: You didn't get your email.

Such criminals pretend to be postal workers and use short messages to cheat. First, they send text messages on their mobile phones, saying "your package can't be delivered" or "you don't have an email address", asking you to contact the "Postal Department" according to the fixed telephone number left. If you call the landline, it will tell you that "the package has been found to contain prohibited items and has been handed over to the public security department for handling" and let you call the "public security department". If you call again, the other party will ask the citizen to provide personal information such as bank account number, password and ID number or transfer the deposit to a "safe account designated by the police" on the grounds of "cooperating with the police investigation" or "your current bank account is unsafe", and finally steal the funds in the citizen's bank card.

Preventive measures:

Postal departments always use one-to-one telephone contact when contacting customers, and never use mobile phones to send text messages to inform customers. Therefore, if you receive such a short message, you must be vigilant and don't be deceived.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 148 If a party causes the other party to commit a civil juristic act against its true meaning by fraudulent means, the aggrieved party has the right to request the people's court or an arbitration institution to cancel it.

Article 149 If a third party commits a civil juristic act against its true meaning due to fraud, and the other party knows or should know about the fraud, the defrauded party has the right to request the people's court or an arbitration institution to cancel it.

Article 150 If one party or a third party coerces the other party to carry out a civil legal act against its true meaning, the coerced party has the right to request the people's court or an arbitration institution to cancel it.

Criminal law of the people's Republic of China

Article 192 Whoever illegally raises funds by fraudulent means for the purpose of illegal possession, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than seven years or life imprisonment, and shall also be fined or confiscated.

If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.

Article 266 Whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.