Beware of Fake Emails

Speaking | English & Chinese scripts are provided below and you can understand the content easier.

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Hi Gordon, can I ask for your help?

It’s my pleasure. What’s up?

I received an email from my bank today morning. It stated that there was an overpayment transaction on my account.

Did you check with the bank?

Not yet. I initially felt very odd. I was also afraid and then logged in my account immediately.

Do you transfer money frequently online?

Yes. I usually pay bills and transfer money to my friends. However, those transactions are only in small amount.

Did you find any suspicious issue?

After logging in my account, the balance and transaction details were normal. I did not know why the bank sent me such email before.

Can you tell me the content of the email?

It stated that the bank would like to verify my transaction and inform me to log in my account by clicking the link at the email.

Oh my god! Was a link provided for your login?

Yes. It was very convenient and the link was just embedded into the email.

Did you click on it?

Of course, why not? It’s so straight forward. I clicked on the link direct.

What did you find out?

It showed the bank’s website and then I entered my personal information straightly.

You meant that you’ve input your username and password of your online banking via the hyperlink.

Certainly. It’s exactly the same as the flow of logging in my online banking.

If it’s the case, you may have become the victim of payment fraud.

Are you serious? I did not think that there was any problem. Such alerting email pushed me to respond quickly. I did not read it in detail.

You may not be aware of the various kinds of scams recently.

What do you mean? Was I fooled?

I guessed that it was a fake communication from an untrustworthy source.

How come? It was a formal email sent from the bank.

How did you know and can you prove it?

The email displayed an official-looking banking logo and the content was professional. It’s impossible for a fake email.

You was too naïve. You assumed that it was sent from your trusted bank. The objective of such email was to steal your money.

How could the scammer know my bank’s details?

The scammer might be able to find on your social networking pages. The information is now so open that everyone can navigate social media platforms to understand more on your daily routine and preference.

Should I inform my bank for investigation?

Of course. The link embedded should be a spoofed website which appeared to be the bank’s own genuine website.

Are you kidding? It looked like real to me. I cannot believe it.

Did you hear of a phishing email?

I’ve no idea of it. What’s it about?

The email communication seems genuine. However, it’s a very good fake.

The purpose of the phishing email is to trick people into typing sensitive information into a website that looks like the site of a genuine company. The excuses used by the scammers may include investigating possible fraud on your account and asking for details to investigate further.

It would be especially serious for a bank website. The scammers would like to take over your bank account. Your money might be taken from your account by a scammer who got your sensitive login details including username and password.

It’s so disgusting. What should I do now?

As you’ve handed over sensitive information, please immediately change your password of your online banking for blocking the access by the scammer.

Oh No! Please wait and I change it now. I’m in big trouble.

Your username and password are the digital keys and they’re as important as the physical key of your house.

The fake website will capture your input. Once getting your digital keys, the scammer can access your account and perform transactions on behalf of you. Some of the banks have aggressively educated their customers that they would not ask customers to provide sensitive personal information via emails with embedded hyperlink.

I received similar messages before. However, I was not aware of its underlying severity.  

Please be reminded to access online banking via bank’s official website address.

I’ve already changed my password. It’s lucky that my account’s balance is still normal.

It’s really good. You should not be suffered in fraud losses.

There were an increasing number of bank scams appearing in many different forms in the past two years. They’re getting more sophisticated. In order to safeguard your hard-earned money, you should keep abreast of latest tricks and new technology.

In addition to overpayment, any other common types of scams?

There are so many. I can give you another examples. You may receive an email informing you that you’ve got a lottery win. In order to make the claim, you’re required to provide your account details via the link provided at the email.

Too bad! It’s driven by the greediness.

You may also receive an email stating that your insurance has not been paid on time. In order to get the full protection, you’re required to click on the link and make the transfer direct via the email immediately.

It’s driven by the urgency.

You may also receive an email highlighting that there will be a charitable event. It may be triggered by the sympathy and you’ll donate money direct via the fake website.

It’s truly related to psychological factor such as mercy.

Last but not the least, you may also receive an email informing that you’ll be guaranteed for a work by an employment agency. To complete the process, you’re required to provide your account details for paying the service fee at the email.

There’s no doubt that the fraudsters are so creative.

Consequently, the scammers will make fraudulent purchases or open new accounts in their name.

Digital keys should be properly safeguarded by each individual. If not, there may be serious financial losses and exposure of personal confidential information. It’s not due to misfortune but the ignorance and lack of sensitivity of online fraud.

People may think that they’ll not be deceived. However, the surge in bank scams continue. Please stay vigilant and ensure that your financial information is secure by adopting extra care of personal digital keys. If you receive those emails in the future, please delete them instantly.

Thank you so much. I’ll take note of it.

Let’s catch up later. See you!

WITH CHINESE SCRIPT

嗨，戈登，您可以幫我嗎？

這是我的榮幸，有什麼事？

我今天早上收到銀行發來的電子郵件，它說我的賬戶有超額支付的交易。

您跟銀行核對了嗎？

還沒有，我一開始覺得很奇怪，我也很害怕，然後立即登入了我的賬戶。

您經常於網上進行轉賬嗎？

有的，我通常支付賬單並轉賬給我的朋友，但這些只是小額的交易。

您有沒有發現任何可疑的問題？

當登入我的賬戶後，賬戶結餘和交易明細都正常，我不知道銀行為什麼給我發這樣的郵件。

您能告訴我郵件的內容嗎？

它說銀行想驗證我的交易，並通知我須點擊電子郵件中的連結登入我的賬戶。

我的天啊！電郵是否提供了登入的連結？

是的，這非常方便，連結就在電子郵件中。

您點擊了嗎？

當然，為什麼不點擊？如此簡單，我直接點擊了連結。

您發現了什麼？

顯示了銀行的網站，然後直接輸入了我的個人資料。

您的意思是您已經通過連結輸入了您的網上銀行用戶名稱和密碼。

當然，這與我登入網上銀行的流程一模一樣。

如果是這樣，您可能已經成為支付欺詐的受害者。

您是認真的？我不認為有任何問題，這提示郵件促使我迅速回應，我沒有詳細閱讀其內容。

您可能還沒有意識到最近的各種騙局。

您是什​​麼意思？我被欺騙了嗎？

我猜這是來自不可信來源的虛假通訊。

怎麼來的？這是銀行發來的正式郵件。

您是怎麼知道及能證明嗎？

這封電郵顯示了一個看起來很官方的銀行標誌，而且內容很專業，假郵件是不可能的。

您太天真了，您假設它是從信任的銀行發送的，此類電郵的目的是竊取您的錢財。

詐騙者如何知道我銀行的詳細資料？

詐騙者可能會在您的社交網絡頁面上找到相關資訊，信息現在如此開放，每個人都可以瀏覽社交媒體平台，以了解更多您的日常生活和喜好。

我應該通知銀行進行調查嗎？

當然須要，嵌入連結的網站應該是來自偽造該銀行的真實網站。

您在開玩笑吧？對我來說它看起來像真的，我不相信。

您聽說過網絡釣魚電子郵件嗎？

我不知道，那是關於什麼的？

電郵通信似乎是真實的，但這是一個做得非常好的偽造通訊。

網絡釣魚電子郵件的目的是誘使人們將敏感信息輸入到看起來像真實公司網站的網站中，詐騙者使用的藉口可能包括調查您賬戶中可能存在的欺詐行為，並要求提供詳細信息以進行下一步調查。

對於銀行網站來說尤其嚴重，騙子想接管您的銀行賬戶。詐騙者可能會從您的賬戶中盜取您的資金，他們獲取了您的敏感登入詳情，包括用戶名稱和密碼。

太噁心了，我現在應該怎麼做？

由於您已交出敏感的資料，請立即更改您的網上銀行密碼，以阻止騙子登入您的賬戶。

不好了！請稍等，我現在更改密碼，我有相當大麻煩了。

您的用戶名稱和密碼是數字鑰匙，它們與您家的實體鑰匙一樣重要。

假網站將獲取您的輸入資料，一旦獲得您的數字密鑰，詐騙者就可以登入您的賬戶並執行交易，一些銀行已積極教育客戶，他們不會要求客戶通過電郵提供的連結輸入敏感的個人資料。

我之前也收到過類似的信息，但我並沒有意識到它潛在的嚴重性。

請注意須通過銀行的官網地址登入網上銀行。

我已經更改了密碼，還好我的賬戶餘額還算正常。

真的很棒，您不應遭受欺詐損失。

在過去兩年中，以多種不同形式出現的銀行詐騙案越來越多，變得越來越複雜，為了保障您辛苦賺來的錢，您應該了解最新的詐騙技巧和新科技。

除了超額支付，還有哪些常見的騙局？

有很多，我可以提供其他例子，您可能會收到電郵，通知您中了彩票，為了可得到獎品，您需要通過電郵中提供的連結提供您的賬戶資料。

太糟糕了！它是以貪婪驅動回覆。

您可能還會收到電郵，說明您的保險未按時支付，為了得到全面的保障，您需要立即通過電郵點擊連結並轉賬。

它是以迫切感驅動回覆。

您可能還會收到電郵，強調將舉辦慈善活動，您可能由同情引發並通過假網站直接捐款。

這確實與憐憫等心理因素有關。

最後但並非最不重要的一點是，您可能還會收到電郵，通知您將獲一家職業介紹所保證提供一份工作，為完成此程序，您需要在電郵中輸入賬戶資料以支付服務費。

毫無疑問，欺詐者非常有創意。

結果，騙子們會進行欺詐性購買或以受騙者的名義開立新賬戶。

每個人都應妥善保管數字密鑰，否則，可能會造成嚴重的經濟損失和個人機密資料的洩露，這不是因為不幸，而是因為對網絡欺詐的無知和缺乏敏感性。

人們可能認為他們不會受騙，但銀行詐騙數量的激增仍在繼續，請保持警惕，並須格外小心個人數字密鑰，以確保您的財務資訊安全，如果您以後收到這些電郵，請立即將其刪除。

太感謝了，我會注意的。

我們稍後再談，再見！