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Super Online Banking Scam
Since the major banks launched the Super Online Banking feature in 2013, a small number of people have begun to use this feature to scam money and launder money.
A: Brother, I’ve become a blacklisted person and can’t use my bank card. Can I use your bank card to receive a payment?
B: Sure, I’ll get you a bank card for that.
B goes to the Construction Bank to get a new card, filling in A's phone number as the reserved number. When A receives the card, he is very grateful, thinking, 'You are so nice to me. The mobile number is even my own, so I can use it with complete peace of mind. Besides, we know each other in real life, so there shouldn’t be any problems.' One day, A uses this card to receive 100,000, and around midnight, 100,000 is transferred out in two transactions. A is very confused. If it was B who did it, the card should be lost, but the card is in normal condition. He tries to contact B, but the phone always shows a busy tone. When he goes to find B, the landlord says he has moved away, and A realizes he has been scammed.
How did B scam 100,000?
After he got the Construction Bank card, he logged into his China Merchants Bank online banking, opened the Super Online Banking fund aggregation feature, bound the Construction Bank card, and activated the inquiry and transfer functions. This means that even though B didn't have the reserved phone number for the Construction Bank card, he could still check the balance of the Construction Bank card through the China Merchants Bank online banking. The daily transfer limit set by China Merchants Bank for other banks is 50,000, so he chose to transfer A's 100,000 in two transactions around midnight and then fled.
How to prevent being scammed?
Using someone else’s bank card is illegal. Try to use the bank cards of close relatives, such as parents, spouse, or siblings.
Identification method: Different banks have different interfaces. For example, at ICBC, under the online banking interconnection accounts, you can check if this card is bound to other cards. Additionally, you should check if the card has any fast payment bindings. If it has been bound to WeChat, Alipay, Douyin, or JD.com beforehand, there is also a risk of being scammed. For China Merchants Bank, you can directly search for fast payment in the search box to check and cancel the fast payment binding. After canceling, you can use it with peace of mind.
B’s method is actually very weak. In the next episode, I will present a case to show how a master uses Super Online Banking and third-party platforms to scam 2,000,000 in one day.
Since the major banks launched the Super Online Banking feature in 2013, a small number of people have begun to use this feature to scam money and launder money.
A: Brother, I’ve become a blacklisted person and can’t use my bank card. Can I use your bank card to receive a payment?
B: Sure, I’ll get you a bank card for that.
B goes to the Construction Bank to get a new card, filling in A's phone number as the reserved number. When A receives the card, he is very grateful, thinking, 'You are so nice to me. The mobile number is even my own, so I can use it with complete peace of mind. Besides, we know each other in real life, so there shouldn’t be any problems.' One day, A uses this card to receive 100,000, and around midnight, 100,000 is transferred out in two transactions. A is very confused. If it was B who did it, the card should be lost, but the card is in normal condition. He tries to contact B, but the phone always shows a busy tone. When he goes to find B, the landlord says he has moved away, and A realizes he has been scammed.
How did B scam 100,000?
After he got the Construction Bank card, he logged into his China Merchants Bank online banking, opened the Super Online Banking fund aggregation feature, bound the Construction Bank card, and activated the inquiry and transfer functions. This means that even though B didn't have the reserved phone number for the Construction Bank card, he could still check the balance of the Construction Bank card through the China Merchants Bank online banking. The daily transfer limit set by China Merchants Bank for other banks is 50,000, so he chose to transfer A's 100,000 in two transactions around midnight and then fled.
How to prevent being scammed?
Using someone else’s bank card is illegal. Try to use the bank cards of close relatives, such as parents, spouse, or siblings.
Identification method: Different banks have different interfaces. For example, at ICBC, under the online banking interconnection accounts, you can check if this card is bound to other cards. Additionally, you should check if the card has any fast payment bindings. If it has been bound to WeChat, Alipay, Douyin, or JD.com beforehand, there is also a risk of being scammed. For China Merchants Bank, you can directly search for fast payment in the search box to check and cancel the fast payment binding. After canceling, you can use it with peace of mind.
B’s method is actually very weak. In the next episode, I will present a case to show how a master uses Super Online Banking and third-party platforms to scam 2,000,000 in one day.
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#福卡 unfortunately encountered the first scammer, after that it was pay later with a card, the only New Year's red envelope was sent out. Wishing everyone a Happy New Year.
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$GMT A coin similar to GMT is coming soon, it seems GMT really isn't doing well, stepped in a pile of dog poop.
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