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

刚刚,我从某支行更换了我的储蓄卡片及密码回来。

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,所以现在为止还没有发现什么资金损失。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.

招行方面不置可否。看上去,不打算做,那我就替来更新下最近这么一个诈骗流程吧——尽管这样的文章发在虎嗅上有点肤浅,但这也属于信息安全不是嘛。

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.

what? what? There is nothing there is nothing. (At this time, I have not realized that the other party is a liar)

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.)

这样的骗子电话相对寻常,我以为挂了就没事了。挂完之后我看到几分钟前已收到刚才那个号码的,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,看上去还是差记忆中那个数,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“网上支付”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,所以总并没有什么变化。

尽管钱数还在,但已足够诡异了。账内资金转移的数跟骗子刚才与电话我说的数目完全一致。

这时,电话又响了。还是那个骗子电话,语气稳定,带点“你爱买不买”例行生意的调调,像是你股票、操盘手在询问你意见:“看到了吗,有人在用你账户买点券,你要不要看下?”

you liar. I have called the police!

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

我放下电话,其实也不知这深更半夜地到哪儿报警。#在此建议部针对个人信息安全泄露推出一个专门的报警电话。

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或者我之前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提醒服务。(当我设这个服务时,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提示服务吧!深夜就是容易想多)

You may want to say that you might as well call the China Merchants Bank directly at 95555 to call the police or freeze. I called, but I don't know what went wrong. The China Merchants Bank system just didn't recognize my ID number input and couldn't connect to the manual service, so I simply solved all the above directly on the phone. After resetting the above passwords and restrictions, I was worried, but reported the loss of the card verbally on the software.

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

从招行柜台的反应来看,一开始对这个案情也觉得奇怪,还反复问是不是我家人帮我买的理财。后来给看了骗子与来电证明后,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,因为只好通过在账内“虚晃一枪”的方式先引起用户恐慌,然后诱导用户在慌乱中按照所说的进行操作,把验证码给,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

Last night and this morning, I roughly searched the Internet for similar cases and found that the above-mentioned fraud routes and versions are relatively new. Around August of this year, there was a reaction among ICBC users; then during the National Day, some CMB users responded to similar situations in a forum.

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。我不厌其烦写本文的目的,希望该版本能得到更多人的注意与警醒,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. Try not to use mobile banking services under public free WIFI conditions.

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(只要有一例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.

In order to make it easier for more users to search for this content, keywords such as "China Merchants Bank", "Current Account", "Wealth Management Account", and "Fraud" are included in the title of this article.

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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8 replies AArticle author Madministrator
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