Скачать или смотреть 女子没输密码验证码却被转走12万Woman loses 120k without entering password or code

日前，江苏南京的周女士接到所谓客服的电话。周女士按照客服的指挥，在手机上安装了3款软件，还接到了“把银行卡放在手机下面”的指示，随后手机突然黑屏，账户内近12万元被盗刷。
周女士被骗子引导下载的软件中，有一款名叫“银联会议”的软件，但是和中国银联没有一点关系，就是骗子自己开发的一款木马病毒软件。它有两个功能，一个是进行屏幕共享，另外一个就是操控手机后台。骗子还利用了一款名为“云闪付”的正规软件，用NFC把被害人名下的所有银行卡都绑定到一起，再用一款名为“Uni-pay”的自制软件调用手机里的银行卡信息，最终完成刷卡操作。
专家提示，这起犯罪过程的核心，是设法骗取被害人的信任，诱导被害人在自己的手机上下载安装非法App。因此只要不听信诈骗团伙的话术，不随意点击链接下载软件，无需担心手机的NFC功能泄漏你的隐私。

Recently, Ms. Zhou from Nanjing, Jiangsu, received a call from someone claiming to be customer service. Following their instructions, she installed three apps on her phone and was even told to place her bank card under the phone. Her phone then suddenly went black, and nearly 120,000 yuan was stolen from her account.

One of the apps the scammers directed Ms. Zhou to install was called "UnionPay Meeting" — but it had no affiliation with China UnionPay. It was actually a trojan virus developed by the scammers themselves. The app had two key functions: screen sharing and remote control of the phone's background processes.

The scammers also used a legitimate app called "Cloud QuickPass" (Yunshanfu), exploiting its NFC function to link all of Ms. Zhou’s bank cards. Then, using a self-developed app named “Uni-pay,” they accessed her card info and completed the unauthorized transactions.

Experts warn that the core of this scam was gaining the victim’s trust and tricking her into downloading malicious apps. As long as you don’t believe scam calls or randomly download software from links, there’s no need to worry about your phone’s NFC function leaking your data.