Without money being cheated: shopping return fraud, 1 hour was lying to 16 million 5-IT information
This scam can be said to be an upgraded version of various cases of fraud. Used to be how much money you have, cheater cheated it, and this case is, money you did not cheat, let you borrow money to give him. Really so "God"?
Kobayashi was working near an office worker, before some recently she bought a data cable on Amazon's official website. But I didn't know it was her payment orders in the morning in the afternoon got a call from someone claiming to be the Amazon customer service, said her orders were to return.
Victim Kobayashi (not his real name): say I do not receive the goods, resulting in return. At noon received a call from the courier, Courier said things to me, but there is no service. So I believe.
Time, place and was not received in time, a series of details all match. This so-called customer service has made Kobayashi's initial trust. Then, in the so-called customer service staff, under the guidance of, Kobayashi's sign in to your Amazon account, found on the my account home page was prompt order is returned. At this time, the staff began to induce forest action a refund.
Victim Kobayashi (not his real name): first let me click on the website link, then let me lose a bank card, as well as the verification code. But is not successful, and she says he can refund via PayPal, his announcement was updated to through PayPal for a refund.
Kobayashi entered the so-called refund password prompts an error a few times. At this time, the customer service was changed to say that Lin can make loan products through PayPal for a refund. Kobayashi did not want to at this time, enter the so-called refund password again.
In fact, the so-called customer service people had spotted the small mobile phone PayPal credit products--ants in the forest by Bai.
Kobayashi told reporters that this loan product for some users to automatically open the lending function of the higher credit, and he did not know. When she discovered that ants take 165,000 yuan amount are displayed on, thinking it was the line of customer service personnel in accordance with the opening of the return process. Subsequently, Kobayashi has just opened this loan transfer to designated bank card customer service personnel.
But since then, the convincing claims that immediately returned $165,000 loan money disappeared and 50 Yuan, until this time, Lin found that he had been tricked.
Release bulletin layers set set cheated loans
As little as 1 hour, Kobayashi was cheat 160,005, cheats are how to get away with it?
First cheats do not know through what channels the Kobayashi Amazon shopping website's personal account, using Amazon personal page editing, editorial publishing so-called refund notices, refunds and embedded URL, which links to phishing sites. Do that, they will contact Lin told that orders have been returned, Kobayashi at face value and access to fishing sites, cheat a step by step of acquiring Kobayashi refund the verification code, then Kobayashi again for strange network lending product, lured him to open online loan features. At this time, Kobayashi by virtue of their previous credit line, able to borrow much money, that money is a liar.
In fact, Kobayashi's experience is not unique. There have been such cases since last year, so for the moment, Amazon's official website has been shut down the account editing the home page.
Internet "fraud" the person deceived rights difficult
After the deception, Lin reported the case the first time, before the cases have been cracked, her face every month up to 20,000 yuan loan. Lin questioned Amazon did not protect her personal account, and editing sets unreasonable and gave crooks the opportunity.
Alipay, Kobayashi and the focus of their argument is, why there is such a large line of credit, and loan approval process is rigorous. As you can imagine, this activist long and hard, both Amazon and PayPal to Kobayashi's reply is: waiting for the police to solve.
Experts teach practical prevention tips
Account has no money, but loan swindler away 160,005, the experience was a nightmare for Kobayashi. In order to let the other person is no longer similar when, experts advise consumers to be "mobile code", "phishing", "net lending products" on these keywords, enhance prevention awareness.
Experts stressed that: phone verification code is the last barrier of all transactions. Cheat no matter what, consumers cannot tell each other the verification code at any time. Meanwhile, consumers can also be provided through the following tips hints cheats phishing sites.
Anti-fraud expert Liu: when this involves the Bank interface, when interface of the property involved, have to carefully look at the Web site, is follow the HTTP with s, Web sites should be combined with the s to guarantee you the, encrypted transmission, so this is a very key point.
For more and more networks borrowing products, expert advice: consumers in the protection of personal information and code at the same time, don't put all your eggs in one basket.
Online financial expert Shen Lei: around platform verification often will have two passwords, login password or password when password settings, do the same. When verified by phone, preferably with both phones are responsible for different functions. This way, you can avoid data after it has been stolen with your personal information on the Internet go online to borrow.
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没钱也被骗：网购遇退货骗局，1小时被骗16万5 - IT资讯
这个骗局可以说是各种诈骗案例的升级版。以前是你有多少钱，骗子把它都骗走，而这起案例是，你一分钱没有，骗子让你借钱来给他骗。真有这么“神”吗？
小林是位参加工作不久的上班族，前些阵子她在亚马逊官网上买了一根数据线。但没想到的是，她上午付款下单，下午就接到了一个自称是亚马逊客服的电话，说她的订单被退货了。
受害人小林（化名）：说我由于没有接收到货物，导致退货。因为中午的时候也接到了快递的电话，快递说给我送东西，但是没有送达。所以说我还是比较相信的。
时间、地点、没有及时收货，一连串的细节全部吻合。这个所谓的客服电话取得了小林的初步信任。随后，在这个所谓的客服人员指点下，小林登录自己的亚马逊账户，发现自己的账户主页上果然提示订单被退货。这时，客服人员开始诱导小林操作退款。
受害人小林（化名）：一开始是让我点击官网上的一个链接，当时让我输银行卡，以及验证码。但是输的时候是不成功的，她说他可以通过支付宝进行退款，他那个公告就更新成如何通过支付宝退款了。
小林几次输入所谓的退款密码都提示输入错误。这时，这位客服人员又改口说小林可以通过支付宝的借贷产品进行退款。小林这个时候也没多想，就再次输入了所谓的退款密码。
实际上，这个所谓的客服人员已经盯上了小林手机支付宝里的借贷产品——蚂蚁借呗。
小林告诉记者，这款借贷产品对部分信用较高的用户自动开通了借贷功能，而自己并不知情。当她发现蚂蚁借呗上显示16.5万元的额度时，以为是这个客服人员按照退货流程开通的额度。随后，小林把这笔刚刚开通的贷款划转到客服人员指定的银行卡上。
但从此以后，这位客服人员声称马上返还的16.5万贷款和50元货款消失得无影无踪，直到这个时候，小林才发现自己被骗了。
发布网站公告层层设套骗贷款
短短1个小时，小林被骗16万5，骗子究竟是怎么得逞的呢？
首先，骗子不知通过什么渠道获得了小林在亚马逊购物网站的个人帐号，再利用亚马逊个人主页的编辑功能，编辑发布所谓的退款公告，并在其中嵌入退款网址，也就是钓鱼网站的链接。做好这些，他们便联系小林告知订单已被退货，等小林信以为真，进入了钓鱼网站，骗子便一步步套取小林的退款验证码，再进而利用小林对于网络借贷产品的陌生，诱骗他开通网络贷款功能。此时，小林凭借自己以往的信用额度，能够贷到多少钱，这些钱就都是骗子的了。
其实，小林的遭遇并不是个案。从去年开始就已经出现了这样的案例，因此目前，亚马逊官网已经关闭了账户主页的编辑功能。
遭遇网络“骗贷”被骗者维权艰难
受骗之后，小林第一时间报了案，可在案件被侦破之前，她每个月都要面对多达两万块钱的贷款。小林质疑亚马逊网站没有保护好她的个人账户，同时网站编辑功能设置不合理，给了骗子可乘之机。
而支付宝方面，小林与他们争论的焦点则在于，自己为何有如此大的贷款额度，以及网络贷款的审核过程是否严谨。可以想象，这样的维权漫长而艰难，亚马逊与支付宝双方给予小林的答复都是：等待警方解决。
专家传授实用防骗秘籍
账户本没钱，却贷款让骗子骗走了16万5，这次经历对于小林来说简直就是一场恶梦。为了让其他人不再上类似的当，专家提醒消费者，要在“手机验证码”、“钓鱼网站”、“网络借贷产品”这几个关键词上，增强防骗意识。
专家强调：手机验证码是一切交易的最后屏障。骗子无论使出什么花样，消费者任何时候都不能告诉对方验证码。同时，消费者还可以通过下面的小技巧识破骗子提供的钓鱼网站。
反网络诈骗专家刘洋：这种涉及到银行的界面的时候，涉及到财产的界面的时候，都要仔细的看一下这个网址，是不是在HTTP后面加上S，网站都应该要加上这个S来保障你的这个，加密的一个传输，所以这个也是很关键的一点。
针对越来越多的网络借贷产品，专家建议：消费者在保护好个人信息和验证码的同时，不要把鸡蛋放在同一个蓝子里。
网络金融专家申磊：经常平台验证会有两个左右的密码，有登录密码或者是提现的密码，在密码设置的时候呢，不要相同。另外通过手机验证的时候呢，最好有两个手机负责不同的功能。这种方式可以避免互联网数据被盗取之后用你的个人信息去网上去借款。
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