New Cyber ​​Fraud Frequently Prudent Online Shopping

Bank experts remind consumers that they must be vigilant when shopping online, and do not inform strangers of important information such as credit card numbers, expiration dates, and mobile phone dynamic codes. At the same time, the bank inspection platform will also conduct high-density monitoring to effectively ensure cardholders use card security.

Near the Spring Festival, a new round of online shopping boom will come again. According to experts, during the peak period of network consumption, it is also a high period of online shopping fraud. Relevant data show that before and after the “Double 11” in 2012, the average number of phishing websites increased by nearly 30,000 a day, and the online protection system intercepted 174 phishing attacks per second. In this regard, bank experts warned that consumers need to be vigilant at any time during online shopping. Do not inform strangers such as credit card numbers, expiration dates, and mobile phone dynamic codes. At the same time, the bank inspection platform will also conduct high-density monitoring to effectively ensure cardholders use card security.

Recent fraudulent online shopping fraud

"The next time, it will no longer be easy to believe the tips of strangers online." Mr. Wang, a victim of the online shopping scam, recently told reporters about his experience. At 1pm on November 11, 2012, Mr. Wang purchased a package worth 288.23 yuan on a website. Within 30 minutes of online payment, someone who claimed to be a seller called and called the transaction failed because of a system upgrade. Requires Mr. Wang to re-order. The "after-sales service" also sent information on the Internet "Because the system upgrade led to the buyer's payment was not successful, please contact the seller to re-order." "Because the 'Double 11' system is already slow, and I think it is the information sent by the staff, I believe it is true," said Mr. Wang. Immediately afterwards, the person who just claimed to be the seller called again and inquired in detail about the credit card number used by Mr. Wang in the exchange just now and the validity period. After a short while, Mr. Wang’s mobile phone received a dynamic code that was required for online shopping and credit card payment. "I saw the amount of the order was 15283.62 yuan. I asked why so much money. The other party said that the order of the online bank was generated automatically. After telling him the mobile phone dynamic code, the seller would help the operation to change the price again." So, Mr. Wang The other party told the dynamic code. After hanging up the phone, Mr. Wang did not feel right. He checked on the Internet and his credit card had been deported for 15283.62 yuan.

In response, the reporter recently interviewed relevant people in the industry. The person in charge of ICBC Guangdong Branch’s online banking said that online fraud cases have occurred frequently and that the latest method is to fraudulently take customer credit card information by phone. Guangfa credit card experts remind consumers that due to the latest modus operandi to circumvent security strategies such as “dynamic verification via SMS between banks and customers”, the cardholders who lack precautions are provided with relevant information directly. Therefore, cardholders must make online purchases when necessary. Stay alert. For online shopping needs to return, consumers only need to provide the credit card number. If the seller asks for the validity period of the credit card, mobile phone dynamic code, check code, etc., it is likely to be a scam. In addition, the bank will not ask the customer for information such as the card number, expiration date, and verification code on the ground of adjusting the credit card limit, and the consumer must keep the above information properly.

It is recommended to choose a credit card with a high security factor

The reporter learned that from November to December 2012, only the public security authorities in Guangzhou accepted online shopping fraud fraud more than 1800, accounting for 60% of the Internet fraud intelligence. For this reason, in addition to elevating self-prevention awareness, consumers also need to choose a credit card with a high security factor as a payment method. At present, some banks have adopted advanced monitoring systems to monitor credit card transactions in real time. For suspicious transactions, the cardholder is immediately contacted to confirm the authenticity of the transaction and to prevent fraud and other fraudulent acts.

For example, on November 26, 2012, the anti-fraud monitoring system of the GF Credit Card Center detected that Mr. Li had an abnormal authentication transaction and found that the transaction characteristics process closely matched recent online fraud cases. By comparing Mr. Li’s history, It is highly probable that fraud is found. Due to unsuccessful contact with customers at the time, to ensure the safety of customer funds, the GF Credit Card Center decided to temporarily freeze the card and promptly prevented three consecutive transactions of 1465 yuan in the next 20 seconds. The fact that the relevant staff of Guangfa credit card made contact with Mr. Li afterwards confirmed the above conjecture.