New trick! Late last night, a sum of money was suddenly transferred from my current account in China Merchants Bank to a wealth management account...‏

Release your eyes, put on headphones, and listen~!
"Chinatown"-Official media of Chinese Australians

Just now, I changed my savings card and password from a branch of China Merchants Bank.

呼~虽然在12小时前被骗子电话骚扰、而且对方确实侵入了我的银行账户,但好在没有被他钓鱼成功,所以现在为止发现什么资金损失。招商银行的柜台职员也“擦了一头汗”式地说:“得亏你没有配合他给什么验证码……”是啊,想想,要是用户被骗走几十万上百万,银行就算坚持不赔,不也是一身的麻烦~

I told the China Merchants Bank counter: It’s true that you should update all kinds of fraudulent versions in time, and push them to the users in time, so that everyone is aware and vigilant.

China Merchants Bank is noncommittal. It seems that they don't plan to do this, so I will update the latest fraud process for them-although such an article is a bit superficial on the tiger sniff, it is also information security, isn't it.

Fraud process experienced

At 11 o'clock last night, I was woken up by the phone beside my pillow in my sleep. During the day, I usually don’t pick up unfamiliar numbers, but when I woke up from a dream, my consciousness was not so clear and strong, so I picked it up after a glance—at this point in time, people’s physical strength is the weakest. Decline in judgment, presumably the liar is also carefully calculated.

The other party's tone of a businessman: are you XX?

I'm.

You just bought 22 yuan of game points in XX. Did you do it yourself? If confirmed, we will deduct the payment and ship the goods.

啊?什么啊?没有的事没有的事。(此时我也过来对方是骗子)

Uh... Then you can check if someone else has operated your account. Is it convenient for you to turn on the computer and have a look.

(I woke up as soon as this familiar liar line came out) Oh no, so be it. (I hung up the phone immediately.)

This kind of scam call is relatively common, and I thought it would be fine after hanging up. After hanging up, I saw that I had received the SMS from the number just now a few minutes ago, as follows:

640-477

cut. I'm not too impressed. But I made a slight murmur in my heart: because after all, the other party accurately wrote my name and the end number of my bank card.

我于是在手机上登陆了招行,看了下账户情况,看上去资产还是差不多记忆中那个数,没事;因为刚才那人跟我说有人用我的账户买点券,于是第一念头是查了下“支付”的交易记录,最近一个月没有记录,没事;就在我以为完全没事的时候,我又查了一下总的交易记录,我去,怎么发现今天我有一笔22.5万元的支出——是的,上面写着10月11号,还差四十五分钟就要过完的一天。可是我今天完全没做过跟银行相关的任何操作呀。再仔细一看,这笔22.5万元是从活期账户转到了我的理财账户,所以总资产并没有什么变化。

Although the money is still there, this thing is weird enough. The number of funds transferred in the account is exactly the same as the number I said by the scammer in text messages and phone calls.

At this time, the phone rang again. It’s still the scammer’s call, with a steady tone, with a routine business tune of "you love to buy or not", like your stockbroker or trader asking for your opinion: "Did you see it? Someone is using your account to buy coupons, you Do you want to take a look?"

you liar. I have called the police!

Well, it's up to you, then you can report! (He is also a little helpless...)

I put down the phone, but I don't know where to call the police in the middle of the night. #It is recommended that the Ministry of Public Security launch a special alarm call for personal information leaks.

那个时候,我并不确定这22.5万的账内转移是骗子一方所为、还是银行强制用户买什么理财产品或者我之前点了什么默认购买键不记得了?我能做的,只有在iPhone上把招行这张卡所有的密码重置一遍,然后试着将那理财账户里的钱再转回活期账户(这时招行软件问我理财账户密码是什么,我勒个去,我从来没开过理财账户哪里知道是什么!好在它支持通过短信验证码重置密码),顺利转回。并且我设了强制此卡每日ATM、POS机最多取现2万元,还设了10元以上资金转移就要短信提醒服务。(设这个服务时,我还想,晕死,所有这一切不是招行绕这一大圈来卖它一个月三元钱的短信提示服务吧!深夜就是容易想多)

你或许要说你还不如直接打招行电话95555报警或冻结。我,但不知出什么,招行系统就是不认我的身份证号输入以至于无法接通人工服务,所以索性全在手机上直接解决上述一切。上述密码与限制重设后,不放心,还是在软件上把此卡口头挂失了。

Today at noon, take the time to go to the China Merchants Bank counter to invalidate the original card.

从招行柜台的来看,他们一开始对这个案情也觉得奇怪,还反复问是不是我家人买的理财。后来给他们看了骗子短信与来电证明后,他们才确认对方应该是掌握了我的账号密码,进入我的账户进行了相关操作,但由于拿不到手机验证码或者U盾所以并不能将钱转走,因为他们只好通过在账内“虚晃一枪”的先引起用户恐慌,然后诱导用户在慌乱中按照他们所说的进行操作,把验证码给他们,只要用户走到这一步,账户里的钱分分钟就被提走了。

Similar cases may be emerging

昨晚跟今天早上,我大致在搜了下类似的案情,发现上述诈骗路线与版本算是比较新的。大概今年8月份,先在工行用户里有;然后国庆期间,也有招行用户在某论坛了类似情况。

但是这些与时俱进的诈骗案例,在网络上如大海捞针,要搜集与查询起来非常困难。这就是我不厌其烦写本文的目的,希望该版本能得到人的注意与警醒,遇到类似的事时千万别被绕进去。

Finally, there are three important points. The first two points are what the bankers said:

1. Your bank card inquiry password and withdrawal password are best not to be the same. It is best not to use your own ID number information or similar information as the password.

2、尽量不要在公用WIFI条件下使用手机银行业务。

3、银行应该对用户的信息安全承担起更大责任,比如是不是要定期、更大范围地推送新的信息风险提示(只要有新的诈骗版本出来应马上予以公开提醒与防范),比如用户账户内部的资金转移是不是也应该纳入银行的短信提示?

Frankly speaking, in this era, consumers and users can no longer have higher expectations for the safety and privacy of personal information, and they can only regard ensuring the safety of funds as one of the bottom lines.

为了便于用户能搜索到这篇内容,本文标题里带入了“招行”、“活期账户”、“理财账户”、“骗”等关键词。

The article is reproduced from "Tiger Sniff Net"

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[Welcome to the news to discuss cooperation! 】Editor-in-chief of "Chinatown" WeChat/QQ: 28771796

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