The Guide to Preventing Phone Scams 1

Common Voice Phishing (Vishing) Tactics

1. Impersonating Government or Financial Institutions

Scammers pretend to be from the prosecution, police, or Financial Supervisory Service. They claim your account is involved in a crime and pressure you to transfer money to a "safe account" or withdraw cash for delivery. They often use psychological pressure, threatening that you "could be arrested" if you don't comply.

2. Family or Acquaintance Impersonation (Including AI Voice Cloning)

They approach victims saying, "It's your son/daughter, I've been in an accident" or "I need money urgently." Recently, they have started using AI Voice Cloning technology to mimic the actual voices of family members to make the scam more convincing.

3. Loan Scams (Loan-Baiting)

Scammers offer to switch your current loan to a lower interest rate. They demand cash to repay your existing loan or trick you into installing malicious apps to steal your private financial information.

4. Delivery or Fine Notices (Smishing)

They send text messages with URLs for "unpaid fines" or "package delivery updates." Clicking these links installs malware on your phone, giving them access to your device.

Prevention & Response Tips for Seniors

Immediate Response: Integrated Reporting & Consultation

If you suspect a scam or have become a victim, immediately call the Police (112) or your bank's call center to request a suspension of payment. You can also call 1394 (Vishing Consultation Hotline) for 24/7 professional assistance and agency coordination.

Golden Rules to Remember:

• Never share personal financial info: Never provide account passwords or card details via phone, text, or messenger.

• Institutions never ask for cash: Government agencies and banks never ask you to withdraw cash or transfer money over the phone.

• Double-check with family: If a loved one asks for money, always hang up and call them back on their original, trusted phone number (or home phone) to verify their identity.

Key Protective Measures:

• "Safe Block Service" for Non-Face-to-Face Accounts: Visit your bank to apply for this service. It prevents scammers from opening new accounts in your name without your physical presence.

• Smartphone Security: Avoid answering calls from unknown numbers and never click URL links in suspicious texts. Install and regularly update mobile antivirus software.

• Prevention Education: Participate in vishing prevention programs offered by local senior welfare centers or financial institutions to stay updated on the latest tactics.