Reporter Li Bing
In recent years, scams such as copycat financial apps and fake financial customer service have emerged one after another, making investors defenseless. Reporters from "Securities Daily" have been interviewing and investigating in the past few days, revealing the routines behind such financial fraud.
It is difficult to distinguish the authenticity of the cottage financial app
Recently, Mr. Wang applied for a loan of 30,6 yuan on an App, but the "customer service" informed him that the loan was frozen due to "inconsistent borrower account information", and he needed to provide the bank card number to unfreeze. After Mr. Wang entered the card number, the "customer service" asked him to use the App to transfer 6,<> yuan to the designated account to unfreeze the loan. Fortunately, during this period, the staff of the banking institution discovered and exposed the scam, avoiding Mr. Wang's loss of <>,<> yuan.
The above case is a typical method of copycat financial app fraud. According to the reporter's investigation, the cottage financial App generally uses similar words to the official genuine App, and the icon design is also very similar, which is difficult to distinguish for a while, but after entering the interface, it is "unique", the cottage App interface is chaotic, pop-up windows are flying, small rebates, low-interest loans, etc. are commonly used induction routines.
Through a number of licensed institutions and official notification cases, the Shanzhai Financial App routine is roughly divided into the following steps: In the first step, after users browse loan information on the Internet, strangers often add friends through phone or chat software; The second step is to recommend the App to users or send links to download them under the guise of "seconds to the account" and "no interest", and let users fill in various basic information; The third step is to induce users to pay a certain amount of fees in the name of "handling fees" and "deposits" required for lending; The fourth step is to incite users to continue to pay money in the name of "bad credit".
The relevant person in charge of a licensed financial institution reminded, "To download a financial app, you must look for formal channels, and formal institutions will not freeze customer bank accounts in the process of handling loans for customers, and will not collect deposits, certification fees and other fees." If a user receives any fee in advance for clicking on unknown links or downloading unknown software in the name of an institution, it is likely to be financial fraud. ”
Fake financial customer service scams attract attention
In addition to copycat apps, fraudulent methods such as fake financial customer service are also common. Ms. Lu once received a call from a customer service claiming to be a financial platform, saying that Ms. Lu had illegal loans online that needed to be dealt with, and if not processed in time, it would affect credit reporting. Ms. Lu was convinced of the false customer service words and was deceived of more than 10,<> yuan step by step according to the instructions.
The relevant person in charge of a financial company told reporters that this type of scam usually appears in two forms, the first is to impersonate the product customer service to inform the user to send the current repayment amount to a false corporate account, and defraud the current repayment amount; The second is to pretend to be a customer service to inform the user that if the user makes a lump sum repayment, the entire loan interest fee can be waived, and the consumer is guided to transfer the entire repayment amount to the corporate account at one time.
"Scammers publish a large number of fake customer service calls on social media and web pages, resulting in frequent occurrence of such scams and causing a lot of losses to users and businesses." The relevant person in charge of the above-mentioned company told the "Securities Daily" reporter that in order to better protect consumers, many institutions have set up special teams for financial fraud to curb such fraud.
Many respondents believe that there are three main ways to deal with fake financial customer service scams: first, when receiving a so-called "customer service" call, you should verify and confirm it through the official platform as soon as possible; Second, do not turn on screen sharing, screen sharing will synchronize all the content displayed on the mobile phone screen, such as SMS verification code, bank account, password, etc. displayed in the pop-up box; Third, identity information, bank accounts, verification codes, and all kinds of passwords should be properly kept.
Su Xiaorui, senior consultant of the financial industry at Analysys, suggested that users should enhance their awareness of network security protection and should not visit irregular websites and click on emails and links from unknown sources. While strengthening monitoring through offline inspections and other means, relevant departments should also strengthen the use of financial technology means, strive for early detection and early disposal, and promptly disclose relevant financial fraud routines and cases to the outside world to improve the vigilance of the public.