最凶サギの手口|便利さを求める現代人の盲点をつく 還付金ネットバンキング詐欺

※水トク!アナタはこうしてダマされる!最凶サギの手口ワースト10 2014年1月8日放送分より

この番組の情報は、
善良なる人達を守る為の防犯情報であり、
犯罪を助長するものでは決してない。
サギの傾向と対策として役立てることを目的としている。

便利さを求める現代人の盲点をつく
還付金ネットバンキング詐欺

便利さを求める現代人の盲点をつく
還付金ネットバンキング詐欺

狙われているのは、
インターネットに疎い、
60代以上の高齢者。

ネットバンキングとは、
振込や残高照会など、
普段銀行のATMでやっていた事が、
簡単な手続きをするだけで、
PCや携帯電話で手軽に出来るというもの。

近年このシステムを利用した詐欺が横行している。

2013年のネットバンキング詐欺の、
被害件数は約1000件、
被害額は約12億円にのぼる。

ネットバンキング詐欺に詳しい、
高島秀幸弁護士によると、
医療費・社会保険料・税金などの、
公的に支払ったお金が戻ってくる、
いわゆる還付金があるという事を装って、
口座番号や暗証番号を聞き出す手口があるという。

サギ師の手口①
市役所職員を名乗り還付金を
返金するというウソの電話をかける

番組では実際にあった、
還付金ネットバンキング詐欺の手口を、
混成した内容を紹介。

ひとり暮らしの女性Mさんの所に、
突然、市役所職員を騙る、
サギ師から電話がかかってきた。

サギ師は自宅に医療費の還付金通知書という、
支払い済みの医療費の還付金を受け取る為の書類が、
届いているか否かMさんにたずねた。

しかしこれはデタラメ。

最初からサギ師は、
書類などは郵送していない。

そもそも一般的に還付金とは、
税金などを払い過ぎた場合、
納税者に返されるお金のことで、
原則、
公的機関から電話がかかってくる事はない。

サギ師の手口②
高額な返金額を言って相手の欲をつく

しかしサギ師は、
人間の欲という弱みを巧みについてくる。

サギ師は返金額が高額である事を伝え、
相手の欲をついてくるのである。

Mさんが書類がないので、
他に方法がないかサギ師に質問。

するとサギ師は、
その言葉を待っていたかのように、
ネットバンキングを使用しているかMさんに確認。

Mさんが使用していない旨を伝えると、
サギ師は、
こういった場合、
還付金の返金は、
全てネットバンキングで行う事が決まりであると、
Mさんに伝え、
Mさんの住所に、
ネットバンキングの申込書類を送るので、
明後日までに返信するように指示。

またサギ師は明後日を過ぎると、
還付金が返金されない事も付け加えた。

翌日、
Mさんのもとにサギ師から、
Mさんの口座がある銀行の、
本物のネットバンキング申込書が届いた。

Mさんは何の疑いもなく、
急いで必要事項を記入し、
ポストに投函した。

サギ師の手口③
ネットバンキングの個人情報を奪う

そして数日後、
Mさんのもとに銀行員を名乗る、
サギ師の仲間から電話があった。

本物の銀行からネットバンキングの契約書が、
送られてきた頃を見計らって電話してきたのだった。

サギ師はここから、
一気に最後の罠を仕掛けてくる。

サギ師はセキュリティを最善にする為、
電話で契約内容を再確認させて頂いていると、
Mさんに告げ、
申し込んだ個人情報を伝えるように指示。

普通なら大切なパスワードを教える事はないが、
Mさんはサギ師を銀行員だと思い込み、
還付金が戻ってくるという欲にかられ、
ついつい全ての個人情報を伝えてしまった。

情報を聞き出した、
サギ師はすぐにMさんのネットバンキング口座にログイン。

瞬く間に全額数千万円を引き出した。

振り込め詐欺は、
指示された金額だけを振り込むが、
ネットバンキング詐欺の場合は、
口座番号・暗証番号を教える事で、
預金全部を持って行く事が出来る為、
被害は甚大な物になりやすい。

還付金ネットバンキングの対策

基本的に銀行や公的機関から
電話で暗証番号や口座番号を聞かれる事はないので、
電話でこれらの個人情報を聞かれた場合は、
注意が必要である。

レビュー

ネットバンキングの事件の話は、
最近よく耳にしますが、
その多くは銀行側から何か連絡があったというもの。

通常銀行で何か手続きを行う場合、
電話口やメールでは行わないはずなので、
電話口だけで完結しようとしている場合は、
警戒した方が良いと言えるでしょう。

最も、
ネット銀行の場合はこの限りではないかもしれませんが。

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