On a seemingly ordinary afternoon, a call posing as "official customer service," a carefully crafted script, and a near-successful remote control operation...
At the critical moment of protecting people's money, Guangfa Bank activated its emergency mechanism and completed the account freeze within 60 seconds, successfully intercepting a transfer of funds amounting to one million yuan.
One afternoon, Ms. Qian, a resident of Dongguan, received a phone call from someone claiming to be "Douyin's official customer service".
The person on the phone said that their account had been automatically activated as an annual platinum member, and if they did not cancel it immediately, they would be charged several hundred yuan every month.
The other party not only accurately recited Ms. Qian's personal information, but also presented "proof" with her employee ID and system screenshots.
The other party spoke professionally and urgently.
Guided by "customer service," Ms. Qian downloaded a "remote assistance software" and enabled screen sharing.
At this moment, all the operations on her phone—including her bank account balance, deposit type, and password input process—have been exposed.
Without Ms. Qian's knowledge, the "customer service" representative instructed her to convert multiple fixed deposits into current accounts.
Just as Ms. Qian finished her operation and was about to complete the transfer, she panicked and entered the wrong password several times, resulting in her account being locked.
This brief delay gave her crucial buffer time.
Ms. Qian called the Dongguan Dongcheng branch of Guangfa Bank, hoping to unlock the account so she could continue her business.
The duty manager astutely noticed key details such as "remote assistance," "screen sharing," and "verification code transfer."
The immediate assessment was: "You may be a victim of a scam. Please exit all software immediately! We will freeze your account right away!"
From receiving the call to freezing all account functions, the bank's anti-fraud emergency process cuts off the customer's fund transfer channels within 60 seconds.
At this time, while the account was frozen, key information such as the suspected fraudulent phone number and IP address was simultaneously transmitted to the Dongguan Anti-Fraud Center through the police-bank cooperation platform within seconds.
Afterwards, Ms. Qian and her family made a special trip to the bank to present a banner that read, "Quick response ensures safety, customer-centric approach prevents fraud."
Why are banks so astute?
First, the bank's anti-fraud defense system was functioning. When Ms. Qian frequently transferred funds between fixed and current accounts, the bank's AI risk control model marked the session as "high-risk" and detected multiple risk signals such as "abnormal transaction patterns + remote software login," providing an early warning for manual intervention.
Secondly, frontline staff demonstrate rapid and professional judgment and response. All frontline staff at Guangfa Bank's Dongguan branch undergo regular anti-fraud scenario training, enabling them to identify fraudulent characteristics in a very short time and develop a habit of "responding immediately upon hearing the news and taking immediate action upon response."
As we can see, the banks' "anti-fraud battle" is a race against time and requires sustained effort.
