Warning scam tricks to appropriate property

18-08-2023

Recently, in Vietnam, there have been many forms of fraud with increasingly sophisticated tricks, diverse in forms, but the common point is asking customers to download fake apps from Government agencies, General Department of Taxation. through websites, links disguised as app stores such as Play Store (Android operating system) and App Store (IOS operating system) or ask customers to provide personal information, security information ( Internet Banking/ Mobile Banking password, OTP authentication code , etc. ) money to complete the transaction, pay fees, etc.

Some typical scams are as follows:

1. Impersonation:

Bank impersonation: Fraudsters impersonate a bank to announce customers winning prizes, receiving gifts from incentive programs. Notice that there is a debit transaction from a bank account or a blocked credit transaction needs to be provided. Warn bank accounts with errors/problems that risk losing money, or send a link in a phone message, requesting service activation. The object requires the customer to provide personal information, security information ( username, password, OTP…) , thereby stealing information and performing transactions to appropriate money in the customer’s account.
Impersonating relatives, leaders,: After gaining the right to log in to the victim’s social network account (Facebook, Zalo, …) will text your friends, relatives, colleagues… they asked to borrow money.
Impersonating a State agency/functional agency: Objects impersonating an investigation agency, social insurance agency, power company, etc. to make fraudulent calls/texts:

– Notify victims of traffic violations, related to criminal lines or owe insurance premiums or business electricity bills, thereby requesting money transfer for investigation or fee payment.

– Request to install fake applications (apps) of State agencies (Ministry of Public Security, General Department of Taxation) through websites, disguised links similar to app stores such as Play Store (Android operating system) and App Store (iOS operating system). These fake websites often attach the Government Logo, fake the “Install” button to redirect to another link and download the file with the malicious “.apk” extension. From there, the subject instructs the victim to install the App and accept all permissions such as: Data access rights; permission to take screenshots; permission to read messages; Accessibility permission to control the phone remotely… for the App to work. At this time, the object easily steals important personal information such as: Confidential information stored on the phone; Information when operating on the phone; The authentication code information when doing banking transactions is sent to the phone (OTP/Smart OTP) to appropriate money on the e-banking account.

d. Other impersonations:

– Scammers can impersonate a financial company providing a loan with low interest rates, simple procedures, ask victims to pay loan procedures and then appropriate.

– Impersonating a medical staff to call to inform that a loved one is in an emergency in the hospital, requesting urgent money transfer.

– Pretending to be a rich foreigner, after a period of online acquaintance, he will send gifts and transfer large amounts of money to the victim. To receive the gift, the victim needs to pay a fee with a large amount of money requested from the fake customs officer belonging to the fraudster’s line.

2. Online purchase and sale fraud:

Scammers set up fake websites for e-commerce platforms in Vietnam, have online payment links with banks, then send links to access these fraudulent websites via text message. SMS, email, etc. or make phone calls to guide customers to transact on the fake page with the aim of stealing card information, account information, login password, OTP authentication code to make transactions to appropriate money. of the customer in the card as well as the account.
Objects sell products and services online, but after the customer transfers money, they do not receive the product or contact the seller.

Fraud tricks take place in various forms, but they always have a common point that strikes customers’ psychology, threatens / causes panic / creates trust / wants to win prizes / wants to borrow money, … from there, customers transfer money to fraudsters or provide personal information, banking transaction information, etc.

SHB does NOT require customers to provide security information for e-banking transactions: login password, OTP authentication code . Customer’s security information is only used for login and authentication when using e-banking services via Mobile Banking application, SAHA and SHB’s official website: https://www.shb.com .vn or https://*.shb.com.vn/ and securely marked with a padlock next to it. Where (*) only includes characters from a to z, not including other special characters.

To ensure asset safety, customers should note:

ABSOLUTE:

Do not access and/or enter e-banking security information on websites/applications other than SHB’s website/Internet Banking link/e-banking application
Do not install apps from unknown sources via the link –
Do not grant permission to view the screen, view input data and control the phone screen
Do not provide e-banking security information: login password, authentication code (OTP), account information, card, to anyone;
Do not make any requests (access strange links, install strange applications, transfer money, top up cards, withdraw money, ..) of the subjects when in doubt.

SHOULD DO:

Only access SHB’s Internet Banking via the link SHB’s official website is *.shb.com.vn marked with a secure padlock next to it, or use SHB’s e-banking application to perform e-banking transactions;
Only install applications on reputable application stores (CH Play / App Store) when there is a need.
Immediately change your password or call the hotline *6688 to lock the e-banking service when there is a suspicion of fraud
Calmly verify the information requested by the owner (relatives, leaders, friends / social insurance hotline / Ministry of Public Security / Court / VKS / Tax Department ..) by calling, meeting face-to-face.
Report to the local police when there is a suspicion of fraud and contact SHB (call the hotline *6688 or go to the nearest transaction point)
Increasing the use of biometric methods (fingerprint, FaceID…) to log in to Banking applications and other payment applications.