Core Viewpoint - The article highlights a new type of scam involving fraudulent apps like "中银会议" (Zhongyin Meeting), "银联会议" (UnionPay Meeting), and "抖音会议" (Douyin Meeting), which are designed to deceive users into sharing sensitive information and ultimately stealing their funds [1][9]. Summary by Sections Scam Description - A 65-year-old woman, Ms. Xu, was tricked into downloading a fraudulent app under the pretense of canceling an insurance service, leading to the loss of her entire bank account balance [2][4]. - The scammers impersonated customer service representatives, claiming that Ms. Xu had subscribed to a service that required cancellation to avoid automatic monthly charges [11]. Mechanism of the Scam - The scammers utilized screen sharing features through the fraudulent app, allowing them to see all of Ms. Xu's actions on her phone, including sensitive information like bank account numbers and passwords [12]. - The app's misleading names, which included terms like "meeting" and "UnionPay," contributed to the deception [9][8]. Warnings and Precautions - Authorities have issued warnings that any app recommended by self-proclaimed customer service representatives that cannot be found in official app stores is likely a scam [17]. - Users are advised to be cautious of any claims regarding cancellation of services related to "live memberships," "million-dollar insurance," or similar terms, as these are often tactics used by scammers [17][18]. - The article emphasizes the importance of vigilance and awareness to prevent falling victim to such scams [19].

Core Viewpoint - A fraudulent app named "Tencent Payment" has been reported, which falsely claims to be associated with Tencent and engages in scam activities by misusing the company's name and promoting fake investment projects [2][7]. Summary by Sections - **Fraudulent App Identification** - The "Tencent Payment" app is not an official Tencent product and is distinct from the widely used "WeChat Pay," which does not have a standalone app [2][7]. - **Scam Mechanism** - The app lures victims by offering enticing features such as "high-end payment products," "virtual payment credits," and "original shares," while also requesting sensitive personal information through bank card binding [7]. - **Distribution Method** - The app is not available on official app stores and is often distributed through third-party channels, allowing easy installation without official oversight [7]. - **Comparison with Other Fraudulent Apps** - Similar fraudulent apps have been reported in the past, including "JD Payment," "Huawei Bank," and "UnionPay Conference," which also impersonate well-known companies [7].