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The author:(作者)delvpublished in(发表于) 2014/1/10 8:16:37 Bank lock hold， Crooks Exchange 400，000 land exchange for the elderly，
Bank lock hold, old land for crook sinks of 400,000-Telecom scam-IT Info Bank lock hold, old land cheats sinks of 400,000
January 6, ICBC branch of the Yellow River to an old man a temporary lock for half an hour just to not let crooks get away with. Prior to this, the old man on the phone side remittance operations out of practice on the ATM machine. Banks that the old man met telecommunications fraud, but the old man insists that no cheating.
Although the old man insists he was not deceived, but the old man was really got taken for a ride. Reporter learned yesterday, 7th for the elderly reported the case to the local police station said: cheating is not the amount of 20,000 yuan, but rather about 420,000 yuan. Old who identified himself as a "client," the woman said, the old man tired now, will soon be going abroad.
Old man alert after being defrauded of more than 400,000, police have incorporated
Yesterday, the reporter was informed by an insider, before this incident, the old man had received a phone call. Man said by phone, elderly people involved with drug trafficking cases.
Elderly people said they did not involve drug trafficking cases, but they cooperate with investigations, will the money deposited into a security account. To this end, the old man came to ICBC's deposits in 6th, the result had just deposited $ 20,000 by Bank staff stop.
According to another Insider described, 6th by the industrial and commercial bank after the Suppression of the elderly, 7th and he came to the local police station on the Yellow River, told police about being lied to, before returning home. According to insiders, has confirmed that the elderly were tricked by the police, has been investigated.
This reporter learned that, the old man was lying approximately 420,000 yuan. On the day of the elderly first meeting after the first 20,000 yuan, went to another bank to remit about 400,000 yuan. But for a second time by lying, the police were not disclosed.
Mystery caller: elderly tired recently went abroad
Yesterday's 17:20, according to information provided by the source, reporter went to the elderly community, finding accommodation for the elderly.
Accommodation for the elderly is a common residential building. Looking out the window, lights of the old people, but the reporter knocked at the door but no one answered when.
Told reporters from neighborhood residents, the old man usually lived here, but children of abroad stay home every year for some time. One resident said that hasn't been seeing old people walking out in a few days.
Speaking at a press conference after the knock on the door no one answered, a mysterious woman to reporters came calling. The phone, the mystery woman said the elderly client. The woman said, elderly delegates, she told reporters that want reporters to leave him alone, this old man has received a lot of phone calls, now very tired, don't want an interview with reporters.
When reporters asked about the status of the elderly, the woman said, the old man wanted to live abroad for a period of time, get in the mood, may give the reporter an answer.
Bank: cards are available through self-service equipment transfers, no card deposits
This reporter learned that, elderly people being lied to about 400,000 yuan occurred in huanggu district, another bank, but the Bank and the police have not confirmed on the matter.
About 18:10 yesterday, this reporter went to the Bank. Bank employees said, because they have it is closing time, unable to check to see if the past two days old to bank transfer, "we know what happened to the elderly, will be adopted for the first time after work tomorrow to make enquiries about it. ”
The Bank staff, if the people at the counter transfer, Bank staff will provide the public with a risk, prevent the public from being cheated, "if it's over the counter operation, we are able to in time to stop this situation, but if it is a buffet, some of us can do! ”
According to the staff member's assertion, if members of the public on the self-service device business, Bank employees and security guards had no right to self inspections, as it relates to people's privacy.
Xinhua learned from the Bank, the banks have been querying overnight last night, found the old man is not a customer of the Bank. But the Bank said that if members of the public are not bank customers and counter at the bank transfer is not possible; if people have other bank card through self-help device for making a transfer of business, can be reached, not only can transfer can be achieved without a card deposit.
According to another bank staff, even if the old man had no bank card or by the Bank buffet equipment Take deposits, but must deposit money card is the Bank.
Failed to stop the old man was lying, but ICBC branch of the Yellow River this is sure.
According to the current clue restored was taken after
Liar lied about drugs for the elderly, make remittances to "security accounts"
Get stranger call for the elderly, elderly people involved with drug-trafficking cases, require cooperate with investigations of the elderly, to deposit money to a security account
6th, the old man came to the branch of China industrial and commercial bank of the Yellow River self catering equipment Take deposits
Results on the self-service equipment in 20,000, ICBC staff to stop
Old man came to huanggu district, another bank, self-help devices out of 400,000
Attorney: banking practices there are no loopholes, no responsible:
Liaoning Cheng Ming-law firm Wang believes that banks have no power to prevent the customer remittance transfer and what sort of way.
Wang said the elder to the Bank business is contractual relationship with the Bank, and if depositors don't have normal capacity, the Bank had a significant fault or negligence, and that judges may exercise its discretion to decide whether accountability.
If the depositor is a normal person under disability, Bank to bank transfer is not entitled to refuse to depositors if the normal remittance or emergencies, banks could not interfere.
Wang said the Bank remind or prevent the customer from being cheated of remittances are not contractual obligations, because the Bank only provides the customer access service, there is no stopping the obligation, the "transfer" loopholes in the banking practices were not, no need to take responsibility.
Psychologist:
"Listen to" old people don't calm, children shall communicate, communicate often
Police remind elderly friends, Telecom fraud generally opt for "9:30~ noon" this time, because "everyone was at work, only the old people at home." General elderly people "heard my family happened to become impatient," often make irrational judgments in the neighbourhood.
That prevent older people from being cheated, cannot rely on the old man's own vigilance, but also from the following aspects.
First of all, children to fulfill their duty to remind the obligation. Gullible elderly people, mostly elderly people living alone were deceived. Mental health center of Shenyang said psychology expert Liu Changhui, elderly people living alone to feel, and therefore more eager to Exchange, so vigilance once the fraud encountered relatively less than the ordinary people. As a child, come back home often, constantly reminds parents to keep good families and personal information such as bank account number, bank code, home address. Best know themselves "fraud case" tell old people to listen. If children work in the field is not often see parents, but also keep in touch by phone with his family, told elderly people own wellbeing and prevent "worry too much" deceived him.
Secondly, the community could do more publicity in this regard. In the Bulletin Board about "fraud case" and for older people to learn, but also ease of communication among elderly, to remind each other. Huashang morning news Chinese business network reporter Liu Fang
Police advise:
"My Public Security Bureau," "guess who I was", these opening alert
Telecommunications fraud patterns varied, more and more people are being cheated. 8th, taijiang, public security official microblog posts, summed up 10 of the most openings, looking at the general public to be more vigilant and strengthen self-defense.
1. my bank card is missing, please transfer money to another bank card.
2. I am a Telecom (Public Security Bureau, procuratorate), your telephone charge is overdue, and your bank accounts suspected of money laundering, fraud and other crimes, please help.
3. Hello, this is a communications company customer service hotline, due to the failure, you call this a few months extra XX Yuan, such as to confirm the refund, press x.
4. Hello, can you guess who am I? I am your friend Hey!
5. customer hello! you had overdraft consumption at a supermarket.
6. my card magnetic strip is broken, please send money directly to a bank account.
7. free provides long-term loans, unsecured, State-run.
8. congratulations to obtain a company anniversary raffle x Prize, company phone xxx.
9. computer prediction Lottery winning numbers, recommending stocks to ensure profitability, even free of charge.
10. I'm XX, now lower shopping VAT rates (purchase tax), refund to your taxes.
Guangdong, Fujian, Henan and Hebei are at high risk of remittances. Bank staff should strengthen alert.
The police, in addition to telecommunications fraud and deception have to keep on the right side.
1. not easily believes strangers of phone; 2. Dang was called asked you home in the other personnel of situation Shi, can answered "I son on in beside",; 3. on audit winning, and money of unknown identity of SMS, to vigilance, not gullible SMS content; 4. Lu-"poor people" borrowed money Shi, not gullible; 5. Dang to involves securities, and stock, and insurance, and Bank, money trading places, in determines can't of situation Xia, needs heard family, and friends of views.
In addition, Guangdong, Fujian, Henan and Hebei are at high risk of remittances, bank personnel to strengthen the work reminds, "four asking" why remittances (transfers), know each other and each other's existence to be government agents, whether you know of telecommunications (transfer) fraud.
银行锁门都挡不住，老人换地给骗子汇40万 - 电信诈骗 - IT资讯银行锁门都挡不住，老人换地给骗子汇40万
1月6日，中国工商银行黄河支行为了一位老人临时锁门半小时，只为不让骗子得逞。此前，这位老人边打电话边汇款，在ATM机上操作生疏。银行方怀疑老人遇到了电信诈骗，但老人坚称没被骗。
虽然此前老人坚称自己没有被骗，但这次老人是真的被骗了。昨日记者了解到，老人已于7日到当地派出所报案称：被骗的金额不是2万元，而是约42万元。一位自称是老人“委托人”的女子称，老人现在很疲惫，将于近日出国。
老人被骗40多万后报警，警方已经立案
昨日，记者从知情人处获悉，事发前，老人曾接到一个电话。电话中的男子表示，老人涉及到一起贩毒案件。
老人表示自己并没有涉及贩毒案件，但对方要求配合调查，将钱存到一个安全账户上。为此，老人在6日来到工行存款，结果刚存入两万就被银行工作人员制止。
据另一知情人介绍，老人6日被工商银行制止后，7日便来到黄河派出所报案，向民警讲述了自己被骗的过程，随后返回家中。据知情人透露，警方已经证实老人确实被骗，目前已经立案调查。
记者了解到，老人被骗金额约42万元。在老人当日先汇出第一笔两万元之后，又到另一家银行汇出约40万元。但对于老人第二次被骗的时间，警方并未透露。
神秘女子来电：老人很疲惫，最近将出国
昨日17时20分许，根据知情人提供的情况，记者来到老人所在的小区，找到了老人的住处。
老人的住处是一栋普通的居民住宅楼。从窗户看去，老人家的灯开着，但记者敲门时却无人应答。
记者从小区居民口中得知，老人平时在此居住，但每年都会到国外的子女家待一段时间。一位居民称，已经好几天没看到老人出来溜达了。
就在记者敲门无人回应后，一位神秘女子给记者打来电话。电话里，这名神秘女子称是老人的委托人。该女子称，老人委托她告诉记者，希望记者不要打扰他，此事老人已经接了很多电话，现在很疲惫，不想接受记者采访。
当记者问起老人状态如何时，这名女子表示，老人要到国外住一段时间，整理一下心情，到时可能会给记者一个答复。
银行：持卡可通过自助设备转账，还可无卡存款
记者了解到，老人被骗走约40万元一事发生在皇姑区另一家银行，但这家银行及警方并未对此事进行证实。
昨日18时10分许，记者来到这家银行。银行工作人员表示，由于已经是下班时间，无法查出近两日老人是否来银行汇款，“我们知道老人的事，会在明天上班后第一时间通过系统查询此事。”
银行工作人员介绍，如果市民在柜台汇款，银行工作人员会为市民提供一份风险提示单，避免市民被骗，“如果是在柜台操作，我们能够对这种情况及时制止，但如果是发生在自助区，我们有些无能为力！”
按照这位工作人员的说法，如果市民在自助设备上办理业务，银行工作人员和保安没有权利去自助区巡查，因为这涉及到市民的隐私。
记者从这家银行了解到，该银行昨晚已连夜进行了查询，发现这名老人并不是这家银行的客户。但这家银行表示，如果市民不是这家银行的客户，到银行柜台办理转账是无法实现的；如果市民持其他银行的卡通过自助设备办理转账业务，是可以实现的，不仅可以转账，还可以实现无卡存款。
据另一家银行的工作人员介绍，即使老人没有这家银行的银行卡，也可以通过这家银行的自助设备办理存款业务，但存入钱的卡必须是这家银行的。
尽管没能制止住老人被骗，但中国工商银行黄河支行这种做法值得肯定。
根据目前线索还原被骗经过
骗子谎称老人涉毒，让汇款至“安全账户”
老人接到陌生男子电话，称老人涉及到一起贩毒案件，要求老人配合调查，将钱存到一个安全账户上
6日，老人来到中国工商银行黄河支行的自助设备处办理存款业务
结果在自助设备上存入两万，就被工商银行的工作人员制止
老人来到皇姑区另外一家银行，在自助设备上汇出40万
律师：银行做法不存在漏洞，无须担责
辽宁诚铭律师事务所律师王澍认为，银行没有权力阻止储户汇款及采取何种方式汇款。
王澍表示，老人到银行办理业务就与银行发生合同关系，如果储户没有正常行为能力，银行有明显的过错或者过失的话，那么法官会酌情衡量是否担责。
如果储户是有正常行为能力的人，到银行汇款银行就无权拒绝，储户要是正常汇款或有急用，银行就不能干涉。
王澍表示，银行提醒或者阻止储户汇款以防被骗不是合同义务，因为银行只提供储户存取款等服务，没有阻止义务，因此“汇款”银行的做法不存在漏洞，不需要承担责任。
心理专家：
“听家里有事”老人易不冷静，子女应多交流、常沟通
民警提醒老年朋友，电信诈骗一般选择在“9:30~中午”这一时间段，因为此时“大家都在上班，只有老人在家”。一般老年人“听到家里人出事了就发急”，常常在焦急中做出不理智的判断。
那么防止老年人受骗，不能单靠老人自身提高警惕，还应从下面几方面着手。
首先，子女要尽到提醒义务。受骗老人中，独居老人被骗的居多。沈阳市精神卫生中心心理学专家刘长辉表示，独居老人内心空虚，因此更渴望交流，所以一旦遇到欺诈行为警惕性较常人要相对差一些。作为子女，要常回家看看，经常提醒父母保守好家庭以及个人的银行账号、银行密码、家庭住址等信息。最好将自己知道的“诈骗案例”讲给老人听。如果子女在外地工作不能经常看望父母，也要与家人保持电话联系，告诉老人自己的近况，防止老人因“过于担心”而被骗。
其次，社区可以在这方面多做宣传。在宣传栏里讲述“诈骗案例”，便于老年人了解，同时也易于老人之间交流，互相提醒。华商晨报华商响网记者刘芳
警方提醒：
“我公安局的”“猜猜我是谁”，这些开场白得警惕
电信诈骗花样五花八门，越来越多人受骗。8日，台江公安官方微博发帖，总结出10种常见的开场白，望广大市民提高警惕，加强自我防范。
1.我银行卡丢失，请将钱汇至另一张银行卡上。
2.我是某电信(公安局、检察院)的，您的电话已欠费，而且您的银行账户涉嫌洗钱、诈骗等犯罪，请配合。
3.您好，这里是某通讯公司客户服务热线，由于工作失误，您的电话费这几个月共多收××元，如确认退费请按×。
4.喂，你猜猜我是谁?我是你老朋友哎!
5.顾客您好!你已在某超市透支消费。
6.我的那张卡磁条坏了，请把钱直接汇到某银行账户。
7.免费提供长期贷款，无担保，立可办。
8.恭喜获得某公司十周年庆典抽奖活动×等奖，公司电话×××。
9.电脑预测彩票中奖号码、推荐代炒股票保证盈利，不赚不收费。
10.我是××局，现在国家下调了购物附加税率(购房契税)，向你退还税金。
广东、福建、河南、河北是汇款高危地。银行临柜人员应加强提醒。
警方介绍，除电信诈骗外还有这些诈骗手段得防着。
1.不要轻易相信陌生人的电话；2.当有人打电话问您家中其他人员的情况时，可回答“我儿子就在旁边”等；3.对审计中奖、钱财的不明身份的短信，要提高警惕，不要轻信短信内容；4.路遇“可怜人”借钱时，不要轻信；5.当到涉及证券、股票、保险、银行等金钱交易场所，在确定不了的情况下，需要听取亲人、朋友的意见。
此外，广东、福建、河南、河北是汇款高危地，银行临柜人员要加强提醒工作，及时进行“四必问”，即为什么要汇款（转账）、是否认识对方、对方是否是政府工作人员、是否知道有电信（转账）诈骗。
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