詐騙是甚麼

詐騙是甚麼

A. 身份盜用

身份盜用是甚麼?

當您的個人資料在您不知情的情況下被盜取及使用,以進行詐騙或其他罪行,即屬身份盜用。個人資料包括個人識別資料,如您的姓名、地址、社會安全號碼、出生日期、用戶名稱/密碼、個人識別號碼或帳號。身份盜用屬聯邦罪行。

身份盜用可如何影響您

被盜用身份的消費者可能須付出大量金錢和時間,補救盜用者對他們的良好聲譽和信貸紀錄所造成的損害。他們亦可能會因信貸報告資料負面,而失去就業機會,或教育、房屋或汽車貸款申請不獲受理。他們甚至可能會因沒有犯下的罪行而被拘捕。因此造成損害、損失和情緒緊張的可能性頗大。

如何防止身份盜用

  • 時刻將您的個人資料保密及保管好。如果您被要求提供個人資料,請確保您認識提出要求的人士。除非您主動聯絡或您肯定對方的身份,否則請勿在電話、透過信件或在網路發放個人資料。
  • 在丟棄載有個人資料的文件前必須將文件碎掉。這類文件包括銀行結單或公共事業帳單、支票及其他載有個人資料的表格。此舉可防止盜用身份者從您的垃圾中取得個人資料。
  • 建立登入銀行帳戶、自動提款卡或信用卡的密碼時,避免使用容易聯想到的資料,如您的出生日期、社會安全號碼、電話號碼、街道地址號碼、母親的婚前姓氏等。
  • 離開家中或辦公室時,只攜帶您實際需要的識別資料及信用卡或自動提款卡/扣帳卡。隨身帶備您所有信用卡公司或銀行的電話號碼,以備聯絡報失之需。
  • 請勿將外寄信件放在家中的郵箱以待郵差取件,應將信件投放於郵局或指定的郵箱。如果您計劃離家一段時間,請致電美國郵政服務公司,要求暫時停派您的信件。
B. 仿冒詐騙

仿冒詐騙是甚麼?

「仿冒詐騙」一詞好比「捕釣」機密資料,是一種犯罪活動,目的是通過電郵、詐騙網站、社交網站、即時通訊程式、手提電話或其他流動裝置,以電子方式偷取您具有價值的個人或財務資料。

仿冒詐騙行為往往透過在看似由您信任的服務公司(如您的銀行)所發出的電郵訊息、網站或即時訊息內附上連結而作出。仿冒詐騙郵件通常內含逼真的官方標誌及其他直接取自合法網站的識別資料,亦可包括在社交網站發現關於您的個人資料。騙徒可能在電郵中附上連結或彈出視窗,看似進入合法網站,實際上將您引入詐騙網站。

如何識別仿冒詐騙的電郵訊息

一般詐騙電郵均看似由合法公司發出。這些電郵可能會警告說您的帳戶出現緊急問題,騙您點擊連結,其後開放您的電腦讓駭客入侵。以下一些語句暗示可能存在仿冒詐騙:

  • 「驗證您的帳戶」-公司應不會要求您透過電郵發送密碼、登入名稱、社會安全號碼或其他個人資料。如果您收到來自公司的電郵,要求您更新您的信用卡資料,請勿回應。
  • 「如果您在48小時內沒有回應,您的帳戶將被關閉」-這些訊息看似是緊急訊息,令您不經思考便立即回應。仿冒詐騙電郵甚至可能聲稱因您的帳戶可能遭入侵,而需要您回應處理。
  • 「點撃以下連結以進入您的帳戶」-您點撃連結後,可能會被引入詐騙網站,要求您填寫表格及提供個人資料更新您的帳戶。由於連結可能載有類似合法網站的標誌或版面,因此您可能不會察覺到。

如何避免仿冒詐騙

  • 如果您收到來歷不明的電郵,聲稱除非您確認您的帳單資料,否則您的帳戶將會被關閉,請勿回覆或點撃電郵內的任何連結。
  • 透過網站遞交財務資料前,請尋找瀏覽器狀態列的「鎖定」圖示,或查看網址是否由「https」開始。這代表您的資料在傳輸期間安全。
  • 如果您在不知情的情況下提供個人或財務資料,請立即聯絡您的銀行及信用卡公司。它們可能會建議您關閉您的帳戶並開立新帳戶。
  • 可疑電郵可轉寄到[email protected],投訴則須在州檢察長辦公室或經美國聯邦貿易委員會www.ftc.gov備案。
  • 請小心網上詐騙。本行從不會透過電郵索取機密資料。
C. 借故來電

借故來電是甚麼?

借故來電者利用各種手段取得資料。來電者可假裝顧客、同一銀行的較高層職員、其他銀行的高級職員、政府監管人員或執法人員,在對話中營造出恐嚇、無助及著急的感覺。他們可能會游說銀行職員,以獲得他們的協助,或恫嚇銀行高級職員以符合所謂的官方政府事務。他們通常會不停致電銀行職員,直至找到可操縱的對象為止。

格雷姆-里奇-比利雷法案訂明借故來電屬違法行為,該法案規定銀行監管人員須確保所有金融機構設有適當政策及程序,以防止未經授權披露顧客的財務資料,並阻止及偵查以欺騙手段取得有關資料。

銀行如何協助防止借故來電者的欺詐行為?

為防止借故來電造成的欺詐行為,銀行會提出只有特定客戶懂得回答的問題,這些「額外」問題一般是在開立帳戶時向顧客取得的身份標識。我們,建東銀行,與顧客進行業務往來時,已制定這些額外的保安措施,以保障顧客及他們在本行的資產。

如果您不確定建東銀行電郵或來電的真實性,或您想知道我們採取新保安程序的原因,請致電1-800-881-2686聯絡我們的客戶服務中心。我們樂意協助解決您的需要。

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