9月20日，为学AI，一位76岁的老人来到北京市马驹桥一产业园附近，准备把钱埋进土里，被民警拦 截。本文图片均由受访者提供 44岁的张琳出国3年，回上海发现母亲的账户里少了30多万元，手机里却多了二三十个App，名字听起 来"高大上"，例如"中国梦""共富工程""碳达峰圆梦钱包""乡基会"。这些App无法通过应用商店等正规 途径下载，母亲在上面"投资"，App账户里数字翻了倍，但始终无法提现。 社交媒体上，许多人像张琳一样在父母被骗经历分享的帖子下面"抱团取暖"。被骗的老人中有退休教 师、公务员、出租车司机，有的见过世面、有一定的知识水平，却在晚年陷入骗局。有人试图总结被骗 亲属的共性，"都是打工人，没体会过创业的不易，才会做发财梦"，但评论区立马有人反驳，"我妈做 生意的，白手起家没日没夜干起来的，依旧被骗"。 张琳母亲的遭遇不是孤例，越来越多刷单返现、冒充客服诈骗开始通过那些"假App"接近老年人。骗子 们精通一套能够击破老年人心理防线的话术。有老人醒悟过来后叹息着说，"我一生比较谨慎，没想到 还是掉进骗子的圈套里"。 北京市公安局大兴分局西红门派出所民警李佳梁告诉中青报·中青网记者，受骗老人被唤醒，有的 ...

Core Viewpoint - The article highlights a recent surge in scams involving fake airline refund calls, where victims are tricked into downloading fraudulent apps that lead to significant financial losses [1][5][7]. Summary by Sections Incident Description - A woman received a call from someone posing as an airline representative, claiming her flight was canceled and offering a refund of 300 yuan. She was instructed to download an app, which led to her phone displaying a "refund failed" message [1]. - Following this, the scammer guided her to download another app, resulting in a brief display of a payment confirmation for 99,000 yuan, which she initially overlooked [3]. Victim Awareness and Police Action - The victim's husband noticed something was amiss, prompting her to report the incident to the police. Authorities acted quickly, leading to the arrest of the suspects and the full recovery of the stolen funds [5]. Scam Techniques - The scammers employed various tactics, including impersonating legitimate organizations and inducing victims to download malicious apps like "Yunxietong" and "Shanyitong," which allowed remote control of the victims' devices [7][10]. - These apps were designed to steal sensitive information, such as bank passwords and verification codes, ultimately leading to unauthorized transactions [10]. Additional Information on Fraudulent Apps - The article lists several other fraudulent apps that scammers use, including "Douyin Meeting," "UnionPay Meeting," and "Bank of China Meeting," which are disguised as legitimate software to deceive users [10][12]. - It emphasizes the importance of avoiding non-official app stores and seeking immediate help from law enforcement if suspicious activity is detected [12].

Core Viewpoint - The article highlights the increasing prevalence of fraudulent applications in the financial sector, emphasizing the need for enhanced regulatory measures and public awareness to combat these scams [6][7]. Group 1: Fraudulent Applications - Recent reports indicate that fraudulent applications, such as "中银会议" and "银联会议," have been used to deceive users and steal funds [3][5]. - These applications often employ a three-step scam process involving false service charges, coercion to download the app, and remote access to the victim's banking information [5]. Group 2: Regulatory Response - Financial institutions, including China UnionPay, have issued warnings about these fraudulent apps, clarifying that they are not affiliated with legitimate services [3][6]. - The article notes that over ten fund companies have issued similar warnings in the past two years, indicating a growing trend of financial fraud through fake applications [7]. Group 3: Need for Enhanced Oversight - Experts suggest that despite stricter regulations in the app market, many fraudulent apps still manage to bypass security checks due to superficial reviews [7][8]. - There is a call for comprehensive measures to improve legal frameworks, enhance regulatory scrutiny, and develop advanced detection tools to combat the proliferation of fraudulent applications [8].

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 - 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 trick users into downloading software that allows scammers to access sensitive information and steal funds [2][8][13]. Group 1 - A 65-year-old woman lost her entire bank account balance after being deceived by a scammer posing as customer service [2][4]. - The scam involved the use of screen sharing and remote control features in the fraudulent app, enabling the scammer to see and manipulate the victim's banking operations [10][11]. - The misleading names of the apps, which include terms like "银联" (UnionPay) and "中银" (Bank of China), contribute to their deceptive nature [7][8]. Group 2 - The police have warned that any app recommended by someone claiming to be customer service, especially if it cannot be found in official app stores, is likely a scam [15]. - Users are cautioned against any claims of automatic charges for services like "live membership" or "insurance" that require cancellation to avoid fees, as these are common tactics used by scammers [15][16]. - China UnionPay has issued a statement clarifying that the "银联会议" app is not an official product and warns the public to be vigilant against such scams [13].