The Anti -Fraud Center has hit 42,000 "Li Gui" counterfeit APPs this year. How should the cottage software prevent it?

The online loan platform has solved the urgent need for more and more people, but it is also stared at by some criminals. In recent years, fake fraud cases have been faked in the official financial platform. Among them, there are many fraud apps such as online part -time jobs and fast loans, especially some APPs with major banks and financial platforms have greater confusion and deception.

Since the beginning of this year, the National Internet Information Office's anti -fraud center has investigated the anti -counterfeit APP of 42,000, and has been included in the state's scam -scam -scamming black sample library. At present, the state's black sample database has covered and disposed of 3.804 million websites involved in fraud, 51.4 million APPs, 415,000 cross -border telephones, and an Internet warning platform for warning of more than 2 billion people. What pits did these criminals dig for you? How do we distinguish the cottage financial app as ordinary users?

Flying to fly 18

With the development of fintech, mobile phones have become the main channel for many users to handle financial business, and also allows online financial fraud to organically take advantage of it. If you install the two apps that have almost the same exactly the same exactly into your mobile phone, which one can you tell? Is it a counterfeit goods?

Ms. Zhao in Huzhou was hit. Ms. Zhao originally planned to loan 30,000 yuan online for turning, but she accidentally fell into the pit of scammers. The lady downloaded an application by scanning the code. At that time, Ms. Zhao carefully checked it. She said that because this application looks like a well -known financial application she is familiar with, she has no doubt.

Ms. Zhao: I did see that I had 30,000 yuan in the app account of the APP, but when I wanted to withdraw the 30,000 yuan to my own bank card, I did not succeed.

The customer service told Ms. Zhao that her bank account was filled in the error and was frozen, and she needed a deposit, otherwise the loan would not be provided.

Ms. Zhao: He said that I had to pay a deposit in the account he provided to me. The amount was half of the 36,000 in my app account, and I re -made 18,000 in it.

Under the layers of "routine", Ms. Zhao has transferred the "certification thawing fee" of tens of thousands of yuan to the customer service within two days. The money can be transferred, but the customer service is running and cannot be connected.

Many users have encountered such incidents. Recently, the National Internet Information Office's anti -fraud center also monitored and found that there were many counterfeit investment platforms for fraud.

How to deceive the "Li Gui" app?

Cyber ​​security expert Sheis told reporters that a large number of "Li Gui" APP launched by scammers mainly uses similar signs and product introduction to fake and true, and induced netizens such as "small rebates" to conduct access and download, and then implement fraud. Some fraud platforms even claim that they have the "state -owned enterprise background", attract users in the name of "national characters", and develop offline in the "pull head" model, causing huge property losses to some netizens.

Fund flow to analysis platform map

Sher: There are several ways to do. The first is a deceived advertisement. For example, when you open a website, it will pop up an advertisement. How much annual income is written in this application and how much investment per year is, some users will click to download. There is also a way to use some rebate activities, such as holding an event offline, saying that they are upgraded versions of a certain application. If the user is installed, you can send some grain, oil rice noodles, phone bills and other induced users to download. There are also some software that may be promoted by some acquaintances and friends, so that these users will be promoted to their friends for installation.

From a technical perspective, Shese told reporters that these counterfeit APPs for counterfeit costs are extremely low, and the front -end framework can be made in less than a week. And many imitation apps use overseas IP addresses, which brings great difficulties to tracking.

Sher: The scammers will use the original application icon to make you invisible in a very similar name. Change the icon to the APP you posing, this cost is a bit lower. There are also some applications to put their IP on overseas servers to avoid some tracking.

How to prevent cottage software?

In the face of such true and false applications, how can we practice golden eyes? From the observation of reporters, it is difficult to search directly in the general application market in the general application market, but users can still be induced by some loan apps or the recommendation of browser or even fake news links. Through web links, text messages, etc. Download and use. In response, Deng Youjun, a technical expert of the Information Security Department of the China Information and Communication Research Institute, gave suggestions.

Deng Youjun: It is best to avoid downloading these APPs from some social software, SMS links or QR code links; don't turn your own money through some personal accounts; don't transfer money outside the range of this app.

Cyber ​​security experts also reminded that the masses need to download APP through official formal channels; if an unofficial customer service is connected, pay attention to checking the identity of the other party, and do not perform transfer operations.

Sher: It may be difficult to distinguish these authentic apps, but we have some of us. For example, when we download the application, we will prefer to install applications in the credible application market, because the more credible and large application markets, the top applications are relatively real, and generally have been guaranteed and tested.

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