index
What is voice phishing
What is smishing
Voice Phishing Smishing Case
How to prevent voice phishing smishing
How to set up smartphone security
How to report voice phishing smishing
Applicable Law
How to deal with voice phishing smishing
How to get your money back from voice phishing scams
If you cannot get your money back from fraud
When I was victimized by voice phishing on the weekend
Various reporting sites
cellphone
What is voice phishing
It is a new word that combines voice (voice) + fishing (fishing) as a fraudulent technique used for crimes by stealing personal information using the phone.
What is smishing
Cell phones are hacked by fraudulent methods using text messages. It is a new word combining SMS (text) + fishing. By sending a text message to a website link, when a user clicks on the link, it is hacked and personal information is leaked.
Voice Phishing Smishing Case
Impersonating the prosecutor’s office or a detective, it asks for the bank account amount and password.
They mainly impersonate a second financial institution and request an advance deposit as a bait for credit rating improvement and low-interest loans.
Under the guise of investigative agencies (police, prosecutors) and the Financial Supervisory Service, the money is transferred to a cannon bank account under the pretext of exposure to crime, and then the voice phishing withdrawal book withdraws cash.
After hearing your child cry over the phone, ask for money.
Send a gift card as if you knew someone. If you click on a link to a gift or message, such as a chicken coupon, your personal information may be leaked just by clicking on it. Personal information leaked while sleeping may cause secondary damage such as small payments.
If you send a link asking to change your courier address, there is no reason for the courier to ask you to send it to an address other than the one you originally created. Clicking on links is prohibited.
How to prevent voice phishing smishing
If you receive a call, check that you are an actual employee of the institution.
We do not reveal the entire number of passbook, card, OTP, and security card.
Do not access sites sent by people you do not know.
No financial institution will ask for an advance payment for a loan.
I’m going to check with the police I know.
I’m going to go ahead and talk to you.
Don’t click on website links in unverified text.
It enhances the security of your phone to prevent unauthorized apps from being installed.
Contact your mobile carrier to block micropayments or place a limit on the amount of payments.
Install a smartphone antivirus program and scan it regularly.
How to set up smartphone security
Preferences => Secure Device Management => Uncheck ‘Unknown Sources’
How to report voice phishing smishing
As soon as you become aware of the fraud, immediately report it to 112 or the Financial Supervisory Service call center 1332 or to the relevant financial institution.
After reporting by phone, visit the police station and make a formal report in writing. In case of financial damage, the bank applies for damage relief. 보이스피싱 신고
To report smishing, call 118.
Applicable Law
Telecommunication Fraud Damage Refund Act → This is a law enacted so that victims of telecommunication fraud such as voice phishing can receive a refund. 좋은뉴스
Special Act on Refund of Telecommunication Financial Fraud Enacted (2011) → If damage remains in the criminal’s fraud account based on the voice phishing victim’s application for damage relief, the debt is extinguished and the damage is refunded.
Prosecutors in charge of refunds, investigators in charge of returns → In order to recover the damage of victims of voice phishing scams, the State has amended the Corrupt Property Confiscation Act so that the state can recover criminal proceeds and return them to the victims. A dedicated examination for the affected area and a dedicated investigator for the affected area have been assigned to each district prosecutor’s office.
How to deal with voice phishing smishing
If you have provided personal or financial information to a scammer, received a smishing text message, entered personal information by clicking a link, or installed an app from unknown sources, you must reset your phone. You must reset the phone book, photo album, and your personal data. In addition, we report to financial companies related to personal information exposure. Check if there are interest reduction or exemption benefits for existing loans through the ‘Accident Fact Checker’. If there are no benefits, do not despair.
It may be painful and difficult after a voice phishing and smishing accident, but there are things you can do to prevent secondary damage that may occur in the future. It is to reset the phone after deleting the installed app. Just clicking the text link does not install the app, but after deleting the fake app on the desktop, find the file with the extension .apk in the download folder and delete it. If you don’t know which files you installed, delete all .apk files in the Downloads folder. This is to completely delete the hacking app so as not to back up or restore it.
Even if it is cumbersome, please reinstall the apps you were using one by one after initialization. You can easily find out how to factory reset by doing an internet search by manufacturer or model. Then, if you restore and use it, you can use the old phone as it is after factory reset without having to buy a new phone.
After reporting to the financial company, the existing accredited certificate is revoked and reissued. There may be illegal loans by cannon bankbooks or credit cards, so report it to your bank or credit card company. Options include changing your mobile phone number and changing your social security number. Change of number is also possible through the Internet, and can be changed immediately by visiting the website of the carrier or dealer. After reporting to the police station, follow the procedures in sequence.
How to get your money back from voice phishing scams
As soon as you confirm that you have been subjected to voice phishing, you can apply for a payment suspension to the bank (you can report it to the Financial Supervisory Service), and immediately apply for a payment suspension so that you cannot retrieve the money. You must formally file a criminal complaint or report to the police and get confirmation that you have been a victim of voice phishing. Even if you are voice phishing, you cannot get all your money back, but if you stop payment sooner, you are more likely to recover your damage faster.
Catching the criminal and getting my money back are two different things for the police, and if you lend your account to criminals, you should be investigated as an accomplice. Although bankbook lending itself is a criminal act, you can be harmed by participating in voice phishing. Even if you are released because you are not a voice phishing criminal after being investigated, the victims can file a civil lawsuit against the person who lent the account to ask for their money back. You have to be careful and careful not to get caught up in such an embarrassment by lending your bankbook to an unsuspecting place.
If you cannot get your money back from fraud
The Financial Supervisory Service is in charge of finding and refunding the victim’s money without litigation after filing an application for damage relief with a financial company. If the victim’s damages are cashed out at a branch or ATM machine by a fraudster, no refund will be given. You need to call right away to request a stoppage of payment in your bankbook. According to the Financial Fraud Response Team of the Financial Supervisory Service, the victims are very difficult and many are suffering from hardships of life. Scammers are still ongoing, so you need to be careful not to get scammed.
When I was victimized by voice phishing on the weekend
You can request to stop payment in your bankbook 24 hours a day. It is the same as reporting a lost credit card, so please report it 24 hours a day.
Prosecutor’s Office Call Center 1301 Checks whether official documents are forged or not.
Various reporting sites
steamed center
010-3570-8242 If you receive a document from a suspicious number, take a picture of it with your smartphone and send it to the number of the Jin Center or make a phone inquiry, and the 24/7 investigators will check the authenticity of the document.