1. It is difficult for criminals to defraud your personal property.
It is difficult for criminals to defraud the loan you applied for.
3. Master the anti-fraud knowledge that will benefit you for life.
A simple method to detect telecom fraud
If you don't have time to read this article carefully, please remember the following three sentences before using our products, which can protect you from telecom fraud to the greatest extent:
1. Please confirm that the loan is for your own use. All strangers who guide you to apply for a loan may be liars.
2. Strangers who ask you to transfer money to your personal account, scan code for payment, provide verification code, click on links and install unofficial apps for any reason during the loan period must be liars.
3. In case of suspicious circumstances, please call Xiaoman Finance official customer service number 95055, and we will provide you with the most professional risk prevention support (free of charge).
Second, the exposure of telecom fraud tools
Many victims suffer from telecom fraud because they don't know what tools scammers have to implement fraud. Knowing the following information will help you prevent existing fraud and new fraud:
1. VoIP, mobile phone number, micro signal, QQ number changed after fraud.
Most scammers will use mobile phone numbers, micro-signals, QQ numbers, etc. to contact the victim to commit fraud and collect money, and some scammers will use VoIP to contact the victim to commit fraud. The telephone number of the Internet phone is quite different from that of the ordinary landline, so it is usually impossible to identify the attribution of the number or the attribution of the number is abroad, such as the telephone starting with 00+0139,006706895737266.
Regular manufacturers will contact users by corporate phone and landline phone, such as Xiaoman Financial official customer service phone number 95055. Employees of regular manufacturers will not directly contact users with private communication tools such as mobile phones, WeChat and QQ, and will never charge users any money through private accounts.
All official external contact information authorized by Xiaoman Finance has been filed. Users can call the official customer service number 95055 for verification. Please beware of the scam of "impersonating staff with money".
2. Phishing websites, fake official WeChat accounts and fake apps.
Fraud gangs will make websites, official WeChat accounts and apps that pretend to be public security laws, banks, e-commerce, logistics and online loans, guide victims to fill in personal information through SMS, telephone and email, and then use the information filled in by the victims themselves to gain the trust of the victims, and then commit fraud.
Search the names of government agencies and regular companies with Baidu, and the search results will show the "official" logo on the official website; Use WeChat official account to search for the names of government agencies and regular companies. The official account will display the subject certification mark "√" and the trademark protection certification mark "R"; Apps of all government agencies and regular companies will be released through official website and official APP stores of mobile phone manufacturers. Please be wary of websites, official WeChat accounts and apps that have not been certified by the above channels, and beware of fraud.
Official website, WeChat official account and APP of Xiaoman Finance can be verified by the above methods. Please beware of the scam of "pretending to be Xiaoman wealth management website, WeChat official account, APP".
3. Mobile phone malware
Fraud gangs will produce and spread all kinds of malicious software for the purpose of obtaining SMS verification code, password and remote control of mobile phones. Once the victim installs such malicious software, the scammer can log in to the victim's online banking and other accounts without the victim's knowledge, and make transfers and other operations.
Please don't jailbreak or Root your mobile phone, don't click on links provided by strangers, don't install apps of unknown origin, and beware of fraud through mobile malware.
4. Telephone office
After the caller dials the switchboard number, the telephone exchange can transfer the internal call according to the corresponding number, such as "press 1 for business inquiry and 2 for manual customer service". Fraud gangs will use the telephone exchange in their hands to create the illusion that "press 1 10 to transfer to the public security command center", "press XXX to transfer to the manager" and "press XXX to transfer to the bank" for the victims to gain their trust, disturb their reason and then commit fraud.
Please hang up the phone first, and then call the police number 1 10 or Xiaoman Finance official customer service number 95055 for help.
5. Forged ID photo, workstation photo, agreement, system screenshot.
Fraud gangs will forge police officers' cards, work permits, ID card photos, workstation photos, service agreements, system screenshots and so on. Gain the trust of users through PS and then commit fraud.
The identity provided by the swindler can't stand verification. The identity of employees of state organs and regular companies can be verified by calling the official telephone. The official telephone number can be obtained through Baidu search or by calling 1 14 directory assistance. Employees of state organs and regular companies will never ask you to transfer money to your personal account, scan the code to pay, provide verification code, click on the link and install unofficial app.
Third, the principle of telecom fraud exposure
The script of telecom fraud keeps pace with the times. Although the external form will change frequently, the internal principle will not change. Understanding the principle of telecom fraud can help you see through all kinds of existing scams and emerging scams. Please draw inferences about the core routines of telecom fraud (gaining trust > creating panic/excitement > manipulating victims to obtain funds):
1. gain the trust of the victims.
Pretending to be an authority: Liars claim to be public security bureaus, procuratorates, courts and other state organs, and gain the trust of victims by informing them of their identity information and providing them with forged legal documents, photos of work permits, etc.
Pretending to be a bank or telecom operator: A swindler claims to be a staff member of a bank or telecom operator, and gains the trust of the victim by telling the victim's account information, showing the victim fake screenshots of the banking system, and providing the victim with fake legal documents and photos of work permits.
Pretending to be e-commerce and logistics: Liars claim to be the staff of e-commerce and logistics platforms, and gain the trust of the victims by informing them of online shopping information or logistics information and showing them false background system screenshots, product photos and workstation screenshots.
Pretending to be a financial institution such as an online loan platform: The scammer claims to be a staff member of the online loan platform, and gains the trust of the victim by telling the victim's personal information, loan requirements, providing fabricated loan agreements, showing forged work cards, and screenshots of background systems.
Online dating object: Liars seek victims through dating websites and social tools, and cheat the feelings of victims by sending photos of handsome guys/beautiful women they collect everywhere, asking for help, making up stories, creating fantasies and other means to gain trust.
Forge the identity of successful people and "pillars" of the country: gain the trust of victims by sending forged official documents of the country, photos of celebrities, photos of property, fabricating halo, wealth fantasy, etc.
2. Create panic/excitement for the victims
The swindler told the victim that he was suspected of serious crimes such as breaking the law, drug trafficking, money laundering and buying contraband, and he would be imprisoned.
The swindler told the victim that if someone else impersonates him, opening a bank account and offering paid services, he will face greater economic losses or legal risks.
The liar told the victim that there was something wrong with the campus loan credit, which would affect the credit and future.
The swindler told the victim that he bought a fake, and the industrial and commercial bureau asked the company to compensate the victim n times.
The liar told the victim that if the courier was lost, the company would compensate the courier for the loss of N times.
The swindler told the victim that he had borrowed usury and he would refund the interest to the victim in n times.
The swindler told the victim that he could help improve his credit and apply for interest-free/low-interest and high-value loans.
The swindler told the victim that he had loopholes in gambling sites/inside information about stock futures/treasures to be unfrozen/high-return investment projects.
3. Manipulating victims to obtain funds
Remote control software is required to be installed on the grounds of security check and remote help.
On the grounds of credit verification, related party compensation claims, safety assessment, account cancellation, credit recovery, etc., the victims are required to download various loan apps for loans.
Require SMS verification code to cancel the account and confirm the payment.
Request for transfer, remittance and code scanning payment on the grounds of credit enhancement, deposit payment, unfrozen payment, safe custody, seizure of stolen funds, return of excess compensation, etc.
Here, we would like to remind all users once again that with the increasing popularity of Xiaoman Finance and its products, some lawless elements impersonate our products and staff through disguised instant messaging accounts, fake official WeChat accounts, fake APP and other "props", and use "internal borrowing/repayment channels", "manual operation" and "margin" to defraud unspecified objects, causing victims to suffer financial losses. Please be vigilant and beware of online fraud.