1. Crime feeds on 'interests'
Voice phishing crimes have evolved to reflect the latest concerns.
Political events such as the corona crisis and presidential elections have also been a major prey for phishing crimes.
[Kim Tae-hoon / Inspector General of Economic Crime Investigation Division, National Investigation Headquarters, National Police Agency]
(Recently) We are trying to make a loan from the bank with the (corona 19-related) fund created by the government. Pay back the sending banker.
[Park Dong-hyun / Senior Investigation Officer of the Financial Supervisory Service's Illegal Financial Response Team]
They said that they would supply self-diagnosis kits, so they asked pharmacies or convenience store owners to enter personal information under the guise of a presidential election-related survey (before the election)...
2. The main target of loan fraud
The main target of loan fraud, which is a representative of voice phishing, is those in their 40s and 50s.
[Kim Tae-hoon / Inspector General of Economic Crime Investigation Division, National Investigation Headquarters, National Police Agency]
People in their 40s and 50s are the heads of household now, and most of them are using loan products.
(Criminal gangs) lie again that there was a government-funded loan, but this period was very limited.
Then, from the person who received (contacted), I will change it as soon as possible before it runs out.
Whether by phone call or text message, once the solicitation of a low-interest loan product begins, you should be suspicious.
[Kim Tae-hoon / Inspector General of Economic Crime Investigation Division, National Investigation Headquarters, National Police Agency]
If the bank calls you to get a loan because you can get a loan first, that's a lie.
So-called 'messenger phishing', which approaches children by impersonating them, is also increasing.
[Kim Tae-hoon / Inspector General of Economic Crime Investigation Division, National Investigation Headquarters, National Police Agency]
Since your child has an accident and you are in urgent need of money, the limit of reason is slightly lowered from then on.
3. No 'Awkward Korean'
Awkward Korean language, stupid scenarios that ask for personal information, etc. There are no more.
[Kim Tae-hoon / Inspector General of Economic Crime Investigation Division, National Investigation Headquarters, National Police Agency]
It is not that there are no Chinese or Korean-Chinese, but basically, these days, the proportion of Koreans is very high.
Those who call are actually people who have just crossed over from Korea.
I don't ask for personal information, just relax.
[Voice phishing voice]
Please note that this investigator will never ask for your 1341 resident number, bank account number, password, etc. in accordance with the Personal Information Protection Act.
Know your personal information in advance and access it.
[Voice phishing voice]
Do you live outside the Seoul area?
(How did you know?) We checked everything and contacted you.
[Kim Tae-hoon / Inspector General of Economic Crime Investigation Division, National Investigation Headquarters, National Police Agency]
There is also a way to collect these phone numbers by calling those who want a loan by dialing ARS phone numbers.
That is why, in the case of ARS phone calls, you have to cut off all advertisements that say that you are now on loan.
Once it's up on that database, landline calls keep coming.
4. Age is just a number
[Tae-Hoon Kim / Inspector General of Economic Crime Investigation Division, National Investigation Headquarters, National Police Agency]
You may be thinking a lot about whether this is a crime that the elderly in their 60s or older suffer from.
Actually, it's a little different.
When we look at the victims, in fact, nearly 70% of them are in their 40s and 50s.
Then, when messenger phishing is included, there are quite a few people in their 60s and rather the middle ones in their 20s and 30s.
Voice phishing, which impersonates institutions such as the prosecution or the Financial Supervisory Service, is characterized by many victims in their 20s.
[Kim Tae-hoon / Inspector General of Economic Crime Investigation Division, National Investigation Headquarters, National Police Agency
]
Don't you think that we usually draw a red line when we are investigated?
Because he thinks that this record may put him at a disadvantage in his employment...
But even if the methods are different, there is a pattern that repeats.
pattern 1.
"How much do you have?"
Confirmation of funds
[Tae-Hoon Kim / Inspector General of Economic Crime Investigation Division, National Investigation Headquarters, National Police Agency]
How much extra money do you have now, how much extra money do you have? These types of questions are asked.
However, investigative agencies and financial institutions do not need to ask such questions.
We already know.
No matter who you impersonate, if you ever wonder how much you have, you must be suspicious.
pattern 2.
Inducing isolation "to a quiet place"
[Kim Tae-hoon / Inspector General of Economic Crime Investigation Division, National Investigation Headquarters, National Police Agency]
By consistently establishing a cooperative system with bankers and other agencies, the police officers go out because they are suddenly withdrawing money or report such things. .
So, in the end, the first thing to do is to create a situation where you can never know (it is a crime) by separating the victims as much as possible from the agency staff.
Actual investigative agencies do not ask you to make calls in secret, alone.
[Kim Tae-hoon / Inspector General of Economic Crime Investigation Division, National Investigation Headquarters, National Police Agency]
Never talk to other people, if you tell other people, an arrest warrant will be issued.
pattern 3.
"I'll authenticate" App installation request
[Kim Tae-hoon / Inspector General of Economic Crime Investigation Division, National Investigation Headquarters, National Police Agency]
I received a call and received a text message, and somehow this person must have sent something strange.
They tell you to go to the internet site once, or to install this app so we can do it now.
However, you should not receive such links or apps from people you do not know.
Most likely it's a malicious app.
The moment you are exposed to a malicious app, it becomes more difficult to get out.
[Tae-Hoon Kim / Inspector General of Economic Crime Investigation Division, National Investigation Headquarters, National Police Agency]
You can do everything that you can do with your mobile phone.
If I say that the reporter's cell phone is in a state of being remotely controlled, if I flip the screen like this, the reporter's screen goes like this.
You can take out a loan or withdraw money from your account.
Then you can sell the stock and take cash equal to the value of the stock.
So, the most dangerous thing is to have the mindset of "someone has been subjected to that kind of thing these days".
[Tae-Hoon Kim / Inspector General of Economic Crime Investigation Division, National Investigation Headquarters, National Police Agency]
Criminal organizations are actually more highly trained than we think.
If they say they can't speak fluently or understand the content of the script they have to tell, or if they can't speak to the victims properly, they will be assaulted, locally.
After that, your income will be greatly reduced.
[Park Dong-hyun / Senior Investigation Officer of the Financial Supervisory Service's Illegal Financial Response Team]
Most importantly, it is best that you manage your personal information or financial transaction information well and do not easily transmit or disclose it to others in this way.
Second, government agencies and financial institutions rarely ask for money transfers or specific financial transaction information by phone or text message.
There are many cases where (criminal organizations) induce the installation of malicious apps through text messages with various topics.
There are people who are good at touching URLs from unknown sources, but such a habit is a very dangerous habit.
[Kim Tae-hoon / Inspector General of Economic Crime Investigation Division, National Investigation Headquarters, National Police Agency]
The best way is to not respond to such calls or texts at all.
If you just hang up the phone and just click Report Spam for text messages, we are actually starting all investigations or stopping using the number.
Or you can call 112.
Even if you receive it, we recommend that you call the official number of the organization that is impersonating you.
The number you write down (in the text) is not an official call center number.
If you realize it is a crime after you send money, you should promptly ask your financial institution to stop the payment.
[Park Dong-hyeon / Senior Investigation Officer of the Financial Supervisory Service's Illegal Financial Response Team]
1132 You must call the call center of your (your own) financial company and request a payment suspension promptly.
After that, it is recommended that you go to the nearest police station, report the damage, obtain a damage confirmation certificate, and apply for damage relief to the financial company that requested the suspension of payment.
If your personal information has already been exposed, you can prevent secondary damage such as opening a new account or getting a loan by applying for registration in the name of the person exposed on the website of the Financial Supervisory Service.
[Park Dong-hyun / Senior Investigation Officer, Illegal Financial Response Team, Financial Supervisory Service]
When personal information is exposed, there is a risk of secondary damage such as opening a new account or performing unexpected loans.
(On the website of the Financial Supervisory Service) There is a registration service in the name of the person who exposed personal information.
We recommend that you use such services as there are restrictions on opening new accounts or new loans.
In order to block the opening of mobile phones with exposed personal information, there is a service that can block the opening of mobile phones on the site called Msafer operated by the Korea Information and Communication Promotion Association.
(Composition: Baekwoon Kim Yu-mi / Video coverage: Hong Jong-su / Editing: Jo Yun-jin / CG: Ahn Ji-hyeon Jeon-ri / Producer: SBS Digital Exploration and Production Department)