充个话费
怎么手机就被“封号”了
还说我涉嫌洗钱？
这究竟是怎么一回事
话费“打折慢充”背后的套路
网友张先生就遇到了这个情况
他在电商平台看到折扣充话费服务
充值300元话费只需花252元
下单成功的张先生
两天后收到充值成功的信息
半个月后
张先生接到通信运营商打来的电话
称其手机号码涉嫌诈骗
按照相关规定将对手机停机
原来这是一种新型的
“打折慢充”洗钱陷阱
它的套路是这样的↓
表面上你自己支付了手机话费
实际上你支付的“话费”
经慢充平台层层传递
最终到了不法分子的账户上
他们再用骗来的资金给你充值
你的手机账户
变相成为犯罪分子“洗钱”过程中的一环
手机号也将面临封禁的后果
诈骗分子除了觊觎你的电话卡
银行卡也是他们的下手对象
“不看征信 快速放款”
“刷刷流水 包你拿到钱”
这样的贷款广告就是“诱饵”
如果你相信了
可能会成为诈骗分子的帮凶！
“刷流水”骗局背后的套路
1
神秘阔绰“买金人”吓到店长报警
急需用钱的付某就遇到了这种情况
在网上寻求贷款的他被助贷公司联系
声称不需要征信
只要准备一张银行卡并提供流水
即可贷款10万余元
对方还表示可帮助付某做流水
喜出望外的付某便按对方要求
将存入自己银行卡的款项取现
通过这样的操作“刷流水”
事后付某不仅没收到贷款
还被对方拉黑
直到被民警抓获
他才意识到自己的行为涉嫌违法犯罪
目前付某因涉嫌掩饰、隐瞒犯罪所得罪
被警方依法采取强制措施
2
“扶贫款”一分没领到 还成了电诈“工具人”
“免费领150万‘扶贫资金’
全程无须缴纳任何费用
只需提供收款账户进行审核”
这种天上掉馅饼的好事
其实也是“刷流水”骗局抛出的“诱饵”
诈骗分子会以申领人银行卡不合格为幌子
提出给事主“包装银行卡流水”
将所谓“专用资金”存入其卡中
再声称给贫困山区做公益转出钱款
以此种方式完成“洗钱”
直到当民警找上门
事主才如梦方醒
上面的两起案例，其实都是利用所谓“包装流水”为由，诱骗群众参与“洗钱”的新型骗局。 它们普遍是这样的套路↓
诈骗分子抛出各种“诱惑”，吸引诱骗事主提供个人银行卡。
他们将诈骗所得的钱款存入事主账户内，再让事主去银行取出现金，最后接头人从其手中拿回这笔现金；或者由诈骗分子的洗钱下线，利用事主的银行卡进行转账操作，直至事主的银行卡被冻结。
通过这一系列流程，诈骗所得的钱就被“转移”了，增加了公安机关追查资金的难度。
提供银行卡的事主成为了犯罪链条中的一环，他们非但不能获得所谓贷款、扶贫款等，反倒沦为电诈“工具人”，承担相应的法律后果。
防范“套路”
拒当“工具人”
面对“刷流水”骗局的层层套路
记住这几点可以帮你防范“中招”
测测你的防诈骗水平
看过以上真实案例
再遇到“刷流水”骗局
你还会中招吗？
小编为你准备了几个小测试
看看你的防骗能力精进了没？
1、发放贷款前要求你“刷流水”，先行打给你钱款又要求你将该款项打到指定账户是出于什么目的？
A、银行卡上流水多才能贷到款
B、对方在利用我“洗钱”
C、帮对方一个小忙而已
D、特殊贷款特殊要求可以理解
答案解析：
正确答案：B。我国法律明确规定，公民不许将自己实名的电话卡、银行卡出租、出借给他人使用或以此营利。该行为涉嫌帮助信息网络犯罪活动罪。
2、李某被拉进一个微信群，群主称根据国家扶贫政策，可给群里每个人170万，只需填写详细个人信息。李某应该怎么办？
A、肯定是骗子，不相信
B、赶紧填写填写资料
C、这么好的事情叫上朋友一起
D、天上掉馅饼的事终于轮到我了
答案解析：
正确答案：A。国家各类政策补贴领取不需要额外缴费。不轻信陌生人，不随意点击陌生链接，不轻易泄露自己的身份信息及银行卡信息。
3、“好消息！内部员工充值话费只要80元就可以充值100元话费！三至五天内即可到账”，看到这样的广告信息，你会怎么做？
A、赶紧按照广告上的联系方式充值
B、天下哪有这么好的事，便宜莫贪
C、充值去官方渠道，不要轻信网络广告
D、这样的羊毛一定要薅
答案解析：
正确答案：C。这种“慢充”话费，到账的话费有可能是涉诈资金，电话卡有可能会被封停，有的甚至就是诈骗行为，钱款根本不会到账。如需充值请选择正规的官方渠道。
转自：公安部刑侦局
catalogs:112275;contentid:12776542;publishdate:2024-06-27;author:张魏桔;file:1719465380032-a56422f5-c524-4147-9cba-2fabfc1bff24;source:29;from:西安公安;timestamp:2024-06-27
13:16:13;
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这是老陈是个珠宝商日更的第272天！ 没有人不想找一个可以肯定成功的项目。 但为什么找不到的呢？ 纯粹就是我们搞错了顺序！ 对生意人来说，我们永远要先追求自己需要的，在此基础上你再…
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农村彩钢瓦房全部要禁用，建好的也要拆除？究竟有什么危害？
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这段时间回了农村一趟，看到了有些路边的人家在拆除房顶的彩钢瓦。就连我村的路边也有一户人家在拆除。 当时我也很好奇，就问了一下这些村民：好好的彩钢瓦，看起来还挺新的，为什么要把它们拆…
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40万在小镇开蜜雪冰城，能赚钱吗？
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22276家门店，遍布全国所有城市和大部分县城，这是过去三年间，属于蜜雪冰城的“狂飙”。靠着卖原材料给加盟商，雪王建立起一个稳固的帝国，但跑马圈地总有一天会停下，下一步要把店开在哪…
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必买：手机流量不够用 这几款100GB流量卡给你解决方案
现代人手机是必不可少的工具，与之配套的就是流量。很多人对于手里几个G的流量都觉得不够用，对于这种情况，我建议大家去购买一些专门的流量卡，毕竟现代手机大多数都是双卡的，大家可以留一个…