如何识别5种最常见的类型 网络诈骗

网络诈骗呈上升趋势. In 2021, 323,972年网络钓鱼, vishing, 短信诈骗 and 嫁接 crimes were reported to the FBI’s Internet Crime Complaint Center¹，比去年增长了34%. 这些骗局中有许多使用了欺骗, when fraudsters pretend to be a legitimate organization or company. Read on to learn how to spot 欺骗 and other common methods used by scammers online.

是什么 欺骗?

欺骗是指欺诈者使用电子邮件地址, 发送者的名字, phone number or website URL to try and convince you that you’re dealing with a trusted source. 有时, fraudsters have the technology to trick your phone or computer into displaying legitimate contact information, like the phone number of a bank or your local sheriff’s department.

其他时间, 欺诈者可能只改变一个字母, 电子邮件地址中的数字或符号, phone number or URL to trick you into thinking you’re working with a legitimate person or business. They may ask you to download malicious software, share personal information, or even send money.

五种识别欺骗的方法

1. An email has a generic greeting (like “Dear customer”) instead of your name.
2. A caller says your account (with a utility company or a shopping website) is on hold because of a billing problem.
3. A text message asks you to click on a link to update your payment details with a known company.
4. A domain name doesn’t quite match the official URL for the business.
5. The message appears to be from a legitimate business but is unexpected and asks you to log in, 分享信息, 或者寄钱.

是什么 网络钓鱼?

网络钓鱼诈骗 are used to trick you into providing personal information such as logins, 密码, 信用卡号码或个人识别码. They happen by email, on social media, in pop-ups and in search engine results. Some 网络钓鱼 scams may also use 欺骗 techniques to try and trick you that you’re dealing with a well-known company or organization.

在典型的网络钓鱼骗局中, fraudsters are trying to get you to part with personal information, or to install malware or viruses (which will be used to steal personal information) on your computer or mobile device.

防止网络钓鱼诈骗的四种方法

1. 使用安全软件保护你的电脑.
2. Protect your cell phone against security threats by setting software and apps to update automatically.
3. Use multi-factor or two-factor authentication (MFA or 2FA) to protect your accounts when available.
4. Beware of unexpected messages that encourage you to click links, or to act with urgency or fear.

是什么 vishing?

钓鱼诈骗发生在电话或语音邮件上. Like 网络钓鱼, the end goal is to steal money or personal information through deception. Some vishing scams may also use 欺骗 techniques such as spoofed caller ID information to trick you into thinking it’s a legitimate or known business calling you.

多达68个.4 million Americans reporting losing money in phone scams in 2021, 而且特别难发现. The calls seem legitimate because the fraudsters often know specific details about you — information they’ve pulled from other sources.

保护自己免受钓鱼诈骗的五种方法

1. Don’t answer phone calls or voice mails from callers you don’t know. Never call back using a number provided by a potential fraudster — instead, 在公司的官方网站上查一下电话号码.
2. 自己查一下公司的电话号码，然后, 如果需要, call them to ask if the request is legitimate (after hanging up with the original caller).
3. Similarly, do not necessarily trust caller ID, as it may be spoofed.
4. Never share personal details with a caller, even if they already know some of your information.
5. Remember, Patelco will never ask you for your account details unless you call us first.

是什么 短信诈骗?

短信诈骗, 也被称为短信网络钓鱼, 是另一种依赖短信的骗局吗, often ones that look like they came from someone you trust like your boss, 国税局或你的银行. 与短信诈骗, fraudsters want to fool you into clicking a link and sharing personal information on a spoofed website.

保护自己免受诈骗攻击, filter messages from unknown senders or enable spam protection on your phone.

识别短信的四种方法

1. The message seems urgent: “Respond within 24 hours to redeem your prize.”
2. 该消息包含一个简短的URL.
3. 消息中没有公司的名字.
4. The message is unexpected, such as asking you to click a link to receive a package.

是什么 嫁接?

Like the other online scams, 嫁接 attacks are meant to steal your private information. Pharming may manipulate or redirect the traffic from a legitimate website, such as through spoofed websites or misleading posts or ads on a legitimate website. 嫁接也可能使用恶意软件, 间谍软件, ransomware or adware to install malicious code on a computer or server, 哪个会把你送到一个虚假的网站, where you may be tricked into entering your login details, 社会安全号码, 或其他敏感信息.

假药很难被发现和避免, but regularly monitoring your financial and social accounts can help you spot if you may be a victim.

五种方法告诉你，你可能是骗子的受害者

1. 您不认识的银行收费.
2. Posts or messages on your social media that you did not post.
3. Social media friend or connection requests that you did not send.
4. 为您的在线帐户设置新密码.
5. Programs you did not download or install appear on your device.