Jiangsu is one of the most severely affected areas in China. During this National Day holiday, what Nanjing people need to guard against most are common fraud routines such as false winning, mobile phone recharge, identity impersonation, plane delay and flight cancellation. 30% of college students are easily cheated into various pits; Citizens over the age of 45 are most likely to be targeted by swindlers … … During the long holiday, 360, TouchPal Technology, Ant Financial and many other institutions have issued anti-fraud reports and typical cases to remind citizens of holiday safety and anti-fraud.
Yangzi Evening News All-Media Reporter Xu Xiaofeng
Advertising accounted for 30% of Jiangsu’s "disaster" and ranked ninth in the country.
15.9%
Telephone fraud
5.4%
Insurance financing
7.6%
real estate agency
16.7%
Other harassment
Assuming that there are 1 billion mobile phone users in China at present, each person will receive nearly one harassing call every day. The analysis report of harassing calls released by TouchPal Telephone shows that among numerous harassing calls, the average "life" of each harassing phone number is only 6.61 days. During this period, the average number of calls per harassing phone number was 328, and the average duration of each call was 29 seconds. It is worth mentioning that although there is only a short survival period of 6.61 days, the average number of harassing users per harassing phone call is as high as 255, while the most severe harassing phone calls harass 1207534 users.
According to the data of TouchPal Big Data Center, from the type of harassing calls, advertising has become the most important type of harassment for mobile phone users, accounting for 30.1%. However, the number of "ringing" calls that have been plagued by mobile phone users has declined. At the same time, the proportion of fraudulent calls and real estate agency calls in harassing calls has increased. Among fraudulent calls, financial fraud accounts for nearly 40%. In addition, fraudulent phone calls with fake identities are also on the rise, accounting for as high as 26.3%.
In terms of the distribution area of harassing calls, economically developed regions and provinces are more likely to be targeted by harassing calls. Among them, Shanghai, Beijing and Guangdong ranked in the top three, and Jiangsu was also the hardest hit, ranking ninth in the country.
Nanjing has the most fraud such as winning prizes and recharging.
Vulnerable to harassment over 45 years old
Data analysis shows that users in different provinces receive different types of fraudulent calls. Taking Beijing as an example, financial fraud, real estate agency fraud and air ticket fraud are the most, while in some second-and third-tier cities, taking Nanjing, Jiangsu as an example, false winning fraud, mobile phone recharge fraud and identity impersonation fraud account for 29.8%, 22.1% and 16.6%.
At the same time, the total number of harassing calls received by male users in the past year was nearly twice that of female users. Judging from the age distribution of users who receive harassing calls, users aged 25 to 34 receive harassing calls the most, followed by users aged 35 to 44. However, judging from the rate of answering harassing calls, although the total number of users over 45 is not high, the probability of being harassed is very high.
It is worth mentioning that fraudsters are all masters of "user insight". The types of harassing calls and fraudulent calls sent to users of different ages are also different. Among them, users between the ages of 25 and 34 are more likely to receive false winning fraud calls; Users aged 35 -45 have a higher economic level and are more likely to receive real estate agency fraud, financial fraud and air ticket travel fraud; Users over the age of 45 are more likely to receive fake identity fraud and harassing calls to promote health care products.
TouchPal technical engineers advise users that during the long holiday, they must verify their identity information when some banks, police, airlines and leaders call, and smart phone users should install an APP with anti-harassment function. In view of the high incidence of telecom fraud, virtual operator section and some calls starting with 400 should be especially vigilant. For some "ringing" calls, remember not to call back, so as not to bring unnecessary economic losses.
Pay attention to six big scams during the long vacation.
The "Special Research Report on Ticket Refund and Change Fraud" launched by Hunting Net Platform before the National Day has analyzed in detail the ways of ticket fraud and various common fraud routines, and also released various high-incidence cases that need to be paid attention to during the National Day holiday, and provided advice for netizens to prevent fraud.
Party SMS fraud
Cheated index: ★★★★★★★
A Fei’s mobile phone received a text message, which read: "Here are photos of your husband meeting his old lover at the party. Do you want to see them? Www.xxx.com "Click to open … … Effie: "Ah! All the money in my bank card has been transferred. "
Reminder: Trojans are hidden in SMS links, so you can’t click on them at will.
Group buying fraud
Cheated index: ★★★★★☆.
Effie bought tickets for the park online cheaply, and when she bought some tickets happily, she went to the gate of the park to exchange them.
Ticket inspector: "Your ticket has been exchanged".
Effie: "Oh, I’ve been cheated, so I have to buy tickets at full price."
Reminder: Don’t buy tickets with low online prices.
Ticket change fraud
Cheated index: ★★★★★★★
Effie: "I finally booked the plane ticket home on National Day!" " After a while, her mobile phone received a short message "Your ticket cannot be issued due to system upgrade, please contact customer service at 400*** to change the ticket".
Customer service: "You need to transfer money to the ATM to change the visa".
Effie: Well, in order to go home early, transfer money according to the customer service! ……
Effie: "Oh, my 30,000 yuan in my card is gone!" "
Reminder: Be wary of the phone at the beginning of 400, and take the initiative to find the official customer service when changing the ticket.
Online game transaction fraud
Cheated index: ★★★☆☆☆
Effie: I’ll buy it. Your equipment is great. It’s cheaper.
Call customer service: "I’ve worked hard here, too. I’ll give you a cheaper price. It can’t be more. It’s already 50% cheaper than the one on the market."
Effie: "OK, big brother, please give me the link and I’ll pay immediately". Effie received a call from customer service soon.
Call customer service: "hello, your order is frozen, and the deposit will be unfrozen."
Effie: Oh, no, the account was frozen and the money was cheated.
Reminder: Pay attention to online game transactions.
Shopping refund fraud
Cheated index: ★★★★★☆.
Effie: "Eleven websites engage in activities, and buy buy buys them".
Customer Service: "Hello, I am the customer service of the shopping website. The book you just bought in our store costs 218 yuan, and now we have to give you a refund."
Effie: OK, OK, I’ll return it.
Customer service: "The link has been sent to you, and you can operate the refund by clicking it".
Effie: "Why did the bank send me a short message saying that all the money in my card has been swiped? It turns out that all the money in my card has been ‘ Back ’ Give it to a liar! "
Reminder: You should take the initiative to contact the official customer service when returning goods.
Friends circle promotion fraud
Cheated index: ★★★★★☆.
Zhao Min: "Wow, this promotion shared by Leap Color today is so cheap. Buy it and ask your friends quickly."
Zhao Min: "I think the activity of this link is really so cheap?"
Customer service: "Yes, we are promoting sales on the 11th".
Zhao Min: "Give me a set and pay for it".
It’s past eleven. Why hasn’t this thing I bought arrived yet? Why is this customer service blacking me out?
Reminder: Don’t trust the promotion in the circle of friends.
● There is a saying that 30% of college students fail to cheat.
A recent joint survey conducted by China Public Security University and Ant Financial Services shows that the average score of college students’ anti-fraud ability in China is only 69, among which nearly 30% of them failed the test, and only 3% of them got full marks.
In addition, the average scores of science and engineering schools are generally higher than those of other institutions. Among the top 10 schools, 7 are science and engineering schools.
Through the analysis of the questionnaire results, it is found that several types of scams are the easiest to succeed: first, 60% of college students can’t identify Trojan links; Second, 85% of college students are credulous when they receive calls such as train ticket refund and flight cancellation; Third, 60% of students are undefended in granting grants and scholarships; Fourth, the lack of financial common sense is easy to be cheated; Fifth, 40% of college students are easy to fall into the trap of high salary and sincere employment. Security experts advise college students to keep in mind that most people who pay before doing things are liars.
● Anti-fraud new tricks
Anti-telecom fraud insurance online
Besides being vigilant and keeping personal information safe, what good ways do ordinary people have to deal with telecom fraud? On September 28th, Alipay launched the "Telecom Fraud Prevention Insurance". After the insurance, if it encounters fraudulent short messages or fraudulent telephone calls, and thus causes financial losses, it can claim compensation from the insurance company, with the maximum insured amount of 50,000 yuan.
This telecom fraud insurance is jointly launched by Ant Financial and Taiping Property Insurance. In the first phase, middle-aged and elderly people are the main protection groups. Users who are over 22 years old and have sesame scores above 580 can insure this insurance product for their parents.
The coverage of telecom fraud insurance mainly includes the loss of funds in bank accounts caused by telecom fraud and the loss of funds in third-party network platforms (such as Alipay and WeChat payment). That is to say, except for direct cash transactions (telecom fraud is generally remote, and cash transactions are rarely used), all capital losses that can determine the actual loss amount through transaction flow are within the scope of protection. After being cheated, the insured needs to submit three documents to claim compensation. One is the transaction flow of the bank, explaining his specific loss amount, the second is the list of calls or short messages in the telecom business hall, telling the insurance company which one is the specific fraud message or phone number, and the last is the receipt of the report from the public security organ, which is convenient for the subsequent public security organs to crack down on telecom fraud and recover losses. How to confirm that it is not fraudulent insurance? Big data in the background will help insurance companies to judge whether the fraudulent phone calls submitted by users are black numbers with a history of fraud, and whether the bank accounts that receive funds are high-risk accounts.
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