Commonness And Precaution Techniques Of Bank Fraud

A netizen is very careful in doing business. He has always been on the way to deliver goods. But this time he carries it. He takes the bank wire remittance bill that he has sent by fax, and can't believe his eyes. Actually, it can also be deceiving! Hey, don't think that a fax with bank remittance is safe. Actually, it is also one of the tricks.

It is said that crooks often operate in this way:

Step 1: ask the bank to give him a telegraphic pfer order.

The second step: he wrote it and handed it to the bank.

The third step: he pays the bank staff according to the amount on the list.

The fourth step: wait for the bank staff to cover the chapter and pfer the telegraphic pfer to him (this is a very dangerous way to lay the foreshadowing for his cheating); the fifth step: after the cheater left the bank, he immediately returned to claim the original money, and said that the account was filled with the wrong or excuse.

Then he talked about something on the side, distracting the attention of the staff, taking the opportunity to get the joint order, pretending to scrap the other piece of paper left in front of the staff, and the staff would not be able to say anything.

In this way, the liar can be deceived by another couplet left behind by the cover up.

2, "online banking" fraud

3, open up a short account to acquire money.

The 27 year old defendant, Kim Yu, was a Taizhou city man who used to drive as a business and lost millions of dollars after gambling.

After breaking the financial resources of smart life, Kim Yu, who consulted the operation rules of telephone bank pfer, sprouted the idea of using telephone banks to defraud money.

On June 12, 2005 and 13, Jin Yu opened the two account of Jin Yu in the business department of Jiaojiang Construction Bank and applied for the telephone bank pfer function.

Then, in order to borrow money from other people, Jin Yu took the name of the bank loan to buy the car for the name of the car. By Ruan Hua Dong, Chen Bin and Huang Qiang, the loan was introduced by Zhou Feiyong 1 million yuan to Jin Yu's construction bank account, the time was 5 days, the interest was 6000 yuan RMB, while Jin Yu returned the money in 5 days, and Jin Yu himself's identity card, the Construction Bank passbook and one of the savings cards were kept by Zhou Fei Yong.

Zhou Feiyong deposited 1 million yuan into Jin Yu's account in the afternoon of 20 January, and changed the password of the card to prevent Kim Yu from taking the money.

Using telephone pfer 1 million

When Jin Yu learned that Zhou Feiyong had deposited the money, he immediately pferred the 1 million yuan to the account in the other card by dialing the bank number in 4 pens, and took out the 1 million yuan at 4 p.m. the same day.

At 1 noon the next day, Zhou Feiyong found that 1 million yuan in the savings card had been "missing" after enquiries. He hurriedly sought Jin Yu with Ruan Hua Dong and others, but failed in several efforts.

In September 21st of the same year, Jin Yu was arrested by the public security authorities at the Zixi county bus station in Jiangxi province. However, the huge sum of 1 million yuan he had defrauded had been squandered and could not be recovered.

There are loopholes in bank telephone pfers.

The occurrence of the case exposes the security loopholes in the telephone banking business.

The procuratorial organ explained that in this case, Zhou Feiyong had a strong preparedness for borrowing millions of dollars. He also took some precautionary measures (such as keeping Jin Yu's identity card, passbook, savings card, changing the password of Jin Yu savings card), but he could still be cheated out of a huge sum of money.

The reason is that Kim Yu used the telephone bank "self savings account funds pfer" does not need to provide funds to pfer the account password loophole, making Zhou Fei Yong to keep Jin Yu's identity card, passbook, savings card and change Jin Yu savings card password is a futile effort.

When Zhou Feiyong put 1 million yuan into a bank account opened by Kim Yu, Kim could easily pfer the money to another bank account by calling the bank number and signing the password with telephone bank only, and then withdraw money from the pfer account.

For this reason, the procuratorial organ suggests that the financial department should improve the operation rules of the telephone banking function as soon as possible, such as setting up the procedure of "input and pfer of account password", so as to prevent similar cases from happening again.

Using bank time difference and related rules to defraud the commonality:

1, making use of your business is eager to create a sense of urgency.

2, there is no requirement for product prices and delivery conditions, and often a large quantity of orders, so that you can mix up your mind and relax your vigilance.

3, fraudsters often use your bank payment process is not familiar with, confuse the public, fooled repeatedly.