Chang Sha Wan Bao·2025-11-24 08:28Core Viewpoint - The incident highlights the effectiveness of CITIC Bank's risk control system in preventing a potential financial loss for a customer through timely intervention against a fraudulent transaction utilizing NFC technology [1][2]. Group 1: Incident Overview - On November 7, CITIC Bank's risk control system detected a suspicious transaction involving a large amount of yen being charged to a customer's card in Japan, which triggered an alert due to its unusual characteristics [2]. - The transaction was flagged as high-risk due to its combination of being "overseas," "remote," "NFC payment," and "large amount," which did not align with the customer's typical transaction behavior [2]. Group 2: Fraud Mechanism - The customer, Mr. Qin, had previously fallen victim to a scam where fraudsters impersonated loan officers and convinced him to install a malicious app with NFC capabilities, allowing them to access his card information [3]. - The fraudsters used the stolen information to replicate the card details and attempted to make unauthorized transactions abroad, showcasing a sophisticated and concealed method of fraud [3]. Group 3: Response and Follow-Up - Following the interception of the fraudulent transaction, CITIC Bank's staff took proactive measures over two days to ensure the customer's ongoing safety, including educating him about the scam and enhancing his awareness [4]. - The bank guided the customer to report the incident to the police and advised him to freeze all his bank cards to prevent further losses, demonstrating a commitment to customer security [5][6]. - This incident serves as a reminder for both financial institutions and consumers to remain vigilant against scams that exploit digital payment technologies [6].