Qi Lu Wan Bao·2025-09-19 11:15Core Points - Personal privacy is a crucial right, and its breach can lead to financial losses [1] Case Details - Mr. Zhang insured his family with an accident insurance policy. He received a call from a "customer service" claiming to be from the insurance company, accurately stating his name, insurance type, and home address. The caller offered to upgrade his policy and refund part of the premium, requesting his bank card number and SMS verification code for identity confirmation. Trusting the information, Mr. Zhang provided the details, resulting in a loss of 5,000 yuan from his bank account within half an hour. He later discovered that scammers had obtained his insurance information through illegal means and impersonated the company to commit fraud [2]. Case Analysis - Scammers collected personal insurance information through illegal channels, using the accuracy of the information to lower the victim's guard. They lured the victim with the promise of "benefit upgrades" to extract critical information such as bank card numbers and verification codes, ultimately leading to unauthorized withdrawals. This behavior violates the Personal Information Protection Law, infringing on privacy and constituting fraud [3].