Mobile payment technology brings convenience. You don’t need cash when you go out. As long as you have your mobile phone in hand, you can make purchases by clicking on mobile payment and showing the payment code. However, it also creates problems. A few days ago, a member of the public was brainwashed by the fraud group’s words “It’s okay, I’ll help you handle it” and foolishly copied the payment code of Taiwan Pay. In just 3 minutes, 600,000 was stolen.
What measures does Taiwan’s mobile payment take to prevent payment codes from being leaked and stolen? Why are people being fooled and fooled? Here’s an explanation:
Digital fraud is rampant in Taiwan. In order to avoid losses caused by the leakage of mobile payment payment codes, some operators have banned screenshots. This still cannot prevent people from being brainwashed into using remakes and being defrauded. The following is a lieSummary video and detailed description of the fraud syndicate using the “cash flow verification” technique to defraud payment codes and steal deposits:
1. What measures does Taiwan’s mobile payment take to prevent payment codes from being leaked and stolen?
In order to prevent people from leaking the payment codes of mobile payment APPs or using screenshots to make payments, APPs such as Taiwan Pay, Qianpay, Changyin, etc. will prohibit screenshots on the payment page or cause the screenshots to become invalid (the screenshots are “black or white”), and announce that payment with screenshots of payment codes is prohibited; Line Pay and the bank’s own payment codes have warnings, but screenshots are allowed; Jiekou payment APPs can directly screenshot the payment codes.
Any payment code is only used for scanning by the store at checkout and will not be used for other purposes.! If you share the payment code with others by taking a screenshot or screen, you can allow interested parties to directly debit the account through consumption. Please be vigilant and keep the payment code properly, do not click on unknown links and do not follow other people’s instructions to execute transactions. If you have any questions, please call 165 hotline for verification!
2. The fraud group uses the “cash flow verification” technique to defraud payment codes and steal deposits:
Recently, there has been a rapid increase in cases of defrauding electronic payment barcodes in the name of “cash flow verification”. The fraud method is to create panic through phishing emails on the front end, and fake customer service on the back end to guide the victims to hand over the barcodes. Recently, an office worker was brainwashed by the fraud group’s “It’s okay, I’ll handle it for you” and copied the payment code of Taiwan Pay. In just 3 minutes, 600,000 was stolen.
RealityExamples of actual cases of using phishing emails to guide people to copy payment codes are as follows:
A. Received notification from bank customer service that there is an abnormality in the account:
You receive a call. The caller calls himself the bank security center. His tone is professional and urgent, telling you that there are abnormal transactions in your account and you need to verify your identity immediately.
B. Please open Taiwan PAY APP:
The other party asks you to open Taiwan Pay and click on the payment barcode page to verify the cash flow.
C. Please take another mobile phone and copy the payment code:
Because the design of Taiwan Pay has deliberately blocked the screenshot function of the payment barcode page to prevent the leakage of barcodes. But the fraud group will tell the public: “Your App cannot take screenshots. It may be due to version or APP failure. [It doesn’t matter, I will help you deal with it]. Now take another mobile phone, take a photo of it and send it to me.”
D. Send me the photo and the money in your account will disappear:
The other party will ask you to send the photo to him. The moment the photo was posted, the money in the account was transferred within minutes, and he hung up the phone and disappeared without a trace.
Although some information security experts suggest: It is recommended to adjust the time limit of the payment code from the current 3 minutes and 5 minutes to strengthen it in units of seconds. However, due to the tendency of some Chinese people to “love to exploit loopholes in the system,” even if Taiwan PAY adjusts the time limit for payment codes, not only will it not prevent some people from being brainwashed by scammers, they will even scold Taiwan PAY for disturbing the people and praise street payment APPs for not restricting screenshots (but the industry strongly urges users not to take screenshots)!
Alas, “poor people must be hateful.” Although businesses and government agencies have put together various anti-fraud measures, older people are generally unfamiliar with digital tools, and some people think they are smart and are less defensive about online profit-making information, making it difficult to eradicate the fraud industry in Taiwan.
Source: KOCPC Chinese