慈濟科技大學
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防範詐騙提醒事項Fraud Prevention Reminder
因近來詐騙案件頻傳,為維護您個人財產安全,請逐項確認您個人是否有 以下類似之情形。如有下列情形之一者，您可能會受騙,請小心防範,並請撥打「165」警政署防範詐騙專線,查證是否為詐騙集團犯罪手法。
Due to the recent increase in fraud cases, to ensure the safety of your financial security, please carefully review whether you have encountered any of the following situations. If you have encountered any of the following situations, you may be at risk of falling victim to a scam. Please be vigilant and call "165," the Police Administration's Anti-Fraud Hotline, to verify whether it is a scam group's criminal method.
常見詐騙手法General Fraud Methods
一、接到信件或簡訊通知中獎,而要求辦理轉帳或匯款,以支付稅金或手續費。
You receive a letter or text message notifying you of winning a prize and requesting a money transfer or payment to cover taxes or fees.
二、接到來電者自稱法官、檢察官、警察、各大醫院或電信業者來電:「你的身分證、健保卡被冒用並涉及洗錢、綁架、車勒、欠電話費等,要 凍結你的帳戶(財產)或交付保證金或監管(保管)你的銀行存款且不得對外洩露,不從就羈押你。」
You receive a phone call from someone claiming to be a judge, prosecutor, police officer, a representative from a major hospital, or a telecom company, stating that your identity card or health insurance card has been used for money laundering, kidnapping, car theft, unpaid phone bills, etc. They demand that your account (property) be frozen or that you pay a deposit or have your bank deposits supervised (guarded) without disclosing any information to the outside, and threaten detention if you refuse.
三、接到自稱係金管會、法務部或行政執行處等公務單位來電,要求交付現金或名下財產監管或匯入對方所提供之公正(安全)賬戶內;對方要求 您不可掛斷電話,使您的電話保持通話中。
You receive a call from someone claiming to be from a government agency such as the Financial Supervisory Commission, the Ministry of Justice, or the Executive Yuan, requesting cash payment or supervision of your assets, or the transfer of funds to a legitimate (secure) account provided by them. They insist that you cannot hang up the phone, keeping your phone line connected.
四、接到自稱係法院執行命令、金融機構或公用事業(如中華電信、臺灣電 力公司)催繳欠款通知,經電詢後,對方要求匯款至該機構以外之特定 人帳戶,或以約定轉帳方式辦理繳款。
You receive a call claiming to be related to court orders, financial institutions, or public utilities (such as Chunghwa Telecom or Taiwan Power Company) for the collection of outstanding debts. After making inquiries over the phone, the caller asks you to remit money to an account outside of the organization or to make payments through a designated transfer method.
五、傳單或報紙分類廣告關於求職、尋求貸款、加盟或購買各類商品,而要 求存入權利金或保證金。
Flyers or classified ads in newspapers related to job seeking, loan applications, franchise opportunities, or purchasing various products request payment of a deposit or guarantee fee.
六、接到通知子女向錢莊借貸、與人作保現被绑架,要求以現金、匯款或約定轉帳方式交付款項。
You receive a notice claiming that your child has borrowed money from a money lender and is currently kidnapped, and they demand payment in cash, by transfer, or through an agreed-upon transfer method.
七、在網路上找工作，請提高警惕。避免提供銀行金融卡、透露個人資料如居留證號碼、護照號碼或隨意簽署合約。
When looking for jobs online, please be vigilant. Avoid providing your bank or financial card information, disclosing personal details such as ARC numbers or passport numbers, or signing contracts.
八、在網路販賣的全新手機或其他物品比實體店面來的便宜，對方會跟你說貨品所剩不多，請你先匯款，切記不要貪小便宜，應適當持懷疑態度。
Selling brand-new phones or other items online may seem cheaper than in physical stores. The seller might claim that there are only a few items left and ask you to make a payment upfront. Remember not to be tempted by the cheap price and maintain a level of skepticism.
實際案例Specific Scam Methods
1.詐騙集團冒用銀行電話通知你信用卡被盜用
Using a fake bank phone number and saying your credit card has been stolen.
說明：詐騙集團假裝是銀行行員跟你說你的信用卡被盜刷，還要你提供個人資訊來核對資料，並且提供假電話給你報警，你將一步步踏入陷阱。
Fraud Example: A scam group pretends to be bank representatives, claiming that your credit card has been fraudulently used. They ask you to provide personal information for data verification and even give you a fake phone number to report the incident to the police. Be cautious, as falling for this can lead you into a trap.
2.網路拍賣、購物，用先匯款後出貨的理由來詐騙買家
Persuading people into transferring before shipment to defraud buyers for online auctions and shopping.
說明：透過網路拍賣平臺、Facebook販售商品，要求買家先匯款再出貨，一開始都正常出貨，後來金額越來越大就不出貨了，賣家跑路！
Fraud Example: Through online auction platforms or Facebook, scammers sell products and ask buyers to make advance payments before shipping. Initially, they send out products as usual, but as the transaction amounts increase, they stop delivering the goods and disappear, leaving the buyer without their purchase.
3.以大樂透獎項來詐欺
Telling people that they have won the lottery.
說明：歹徒假裝通知你中2億，需先繳交90萬的稅金，就能拿到2億元。如果因貪心就很可能上當付款，最後損失慘重。
Fraud Example: Criminals pretend to inform you that you've won 200 million, but claim you need to pay 900,000 in taxes upfront to receive the full amount. Falling for the lure of quick wealth due to greed can lead to making the payment, resulting in significant and devastating financial losses.
4.假冒中華電信語音催繳帳款方式騙財
Faking Chung-hwa Telecom's voice call pressing for money.
說明：詐騙集團利用語音電話向民眾通知逾期未繳電話費，要求依照語音指示付款引誘你付款上當。
Fraud Example: Scam groups use automated voice calls to inform individuals about overdue phone bills, enticing them to make payments by following voice instructions. Be cautious, as falling for this trick can lead to making a payment under pretenses.
5.網路援交方式詐欺
Offering compensated dating service.
詐騙實例說明：應召業者、跑單幫、缺錢女大生最常利用援交拉客方式來詐騙，通常會說不收現金、只收點數，要你到超商購買點數提供序號給他，這就是詐騙！
Fraud Example: Escort services, fake job recruiters, and financially struggling college students often engage in scams using compensated dating. They may claim not to accept cash but only points, asking you to purchase points at a convenience store and provide them with the serial numbers. Be aware that this is a scam, and sharing such information could lead to financial loss.
6.用中大獎的通知，需先付稅金才能領取獎品詐財
Reminding you to pay taxes in advance to get the grand prize you won.
說明：詐騙集團會打電話跟你說你中獎了，要先繳稅金才能領獎，千萬不要中計！
Fraud Example: Scam groups may call you, claiming that you've won a prize but insisting that you need to pay taxes first before claiming it. Be cautious and avoid falling for this trick!
7.假冒親朋好友說有急用、要借錢周轉
Pretending to be your relatives and friends and saying that they need to borrow money for cash flow.
說明：詐騙盜用親友照片，加你的通訊軟體(LINE、Facebook)，說有急用要借錢，建議直接打電話跟對方做確認。
Fraud Example: Scammers may use photos of your friends or family, add you on messaging apps like LINE or Facebook, and claim to be in urgent need of money. They might ask for a loan. It's advisable to directly call the person to verify such requests and avoid falling victim to the scam.
8.歹徒以電話恐嚇方式，說你的親人被綁架，要求贖金贖人
Threatening by telephone and saying that your relatives or family members were kidnapped and demanding ransom.
說明：詐騙集團以「兒子、女兒」被綁架打給父母，讓父母立刻轉帳高額金錢以贖回子女，這時千萬要先打電話確認，千萬不要直接匯款，或報警請警方協助！
Fraud Example: Scam groups may call parents, claiming that their "son" or "daughter" has been kidnapped, demanding a large sum of money for their release. In such situations, it's crucial to verify the information by making a phone call to confirm your child's safety. Never transfer money directly without confirmation, and consider reporting the incident to the police for assistance.
9.詐騙集團刊登假的徵才廣告，騙取求職者的錢
Publishing fake job advertisements to defraud job seekers of their money.
說明：求職者找工作時，如果資方要求你要先付一筆款項、提供身分證、存摺等等物品，才能錄取你，切記千萬不要相信，你很可能會變詐騙車手。
Fraud Example: When job hunting, if an employer insists that you need to pay a sum of money or provide personal documents like ID cards and bank statements before being hired, do not believe it. Such requests are likely to be part of a scam, and falling for them could lead to becoming a victim of fraud.
10.詐騙集團刊登假的低利率貸款廣告，讓缺錢的人上當
Publishing fake low-interest rate loan advertisements to trick people who are short of money.
說明：如有缺金錢，勿找廣告上奇怪的貸款、地下錢莊、來路不明的公司做借款，直接到銀行辦理才是上策。
Fraud Example: If you need money, avoid seeking loans from suspicious advertisements, underground lenders, or unknown companies. It's best to go directly to a bank for loan transactions to ensure legitimacy and financial safety.
11.詐騙集團以戶政事務所名義通知個資外洩
Notifying personal data leakage in the name of the Household Registration Office.
說明：不論是哪個公家機關 (戶政事務所、法院)通知你任何事情，一定要先跟附近的戶政事務所確認是不是真的，千萬不要傻傻就照對方說的話、提供證件給他人。
Fraud Example: Regardless of which government agency (such as household registration offices or courts) contacts you about any matter, always verify the authenticity by contacting the nearby office. Never blindly follow instructions or provide personal documents to someone without confirming their identity through official channels.
12.詐騙集團以法院名義寄假公文傳票給你
Sending you false official documents and subpoenas in the name of the court.
說明：法院如果要通知民眾到案，只會以書面方式通知，絕對不會以電話作為聯絡方式。公文收到後，為確保可信度，可打到相關部門做詢問確認！
Fraud Example: If a court needs to notify individuals to appear, they will only do so through written notices and will never contact you via phone. If you receive official documents, to ensure credibility, it's advisable to call the relevant department to inquire and confirm the legitimacy of the communication.
Due to the recent increase in fraud cases, to ensure the safety of your financial security, please carefully review whether you have encountered any of the following situations. If you have encountered any of the following situations, you may be at risk of falling victim to a scam. Please be vigilant and call "165," the Police Administration's Anti-Fraud Hotline, to verify whether it is a scam group's criminal method.
常見詐騙手法General Fraud Methods
一、接到信件或簡訊通知中獎,而要求辦理轉帳或匯款,以支付稅金或手續費。
You receive a letter or text message notifying you of winning a prize and requesting a money transfer or payment to cover taxes or fees.
二、接到來電者自稱法官、檢察官、警察、各大醫院或電信業者來電:「你的身分證、健保卡被冒用並涉及洗錢、綁架、車勒、欠電話費等,要 凍結你的帳戶(財產)或交付保證金或監管(保管)你的銀行存款且不得對外洩露,不從就羈押你。」
You receive a phone call from someone claiming to be a judge, prosecutor, police officer, a representative from a major hospital, or a telecom company, stating that your identity card or health insurance card has been used for money laundering, kidnapping, car theft, unpaid phone bills, etc. They demand that your account (property) be frozen or that you pay a deposit or have your bank deposits supervised (guarded) without disclosing any information to the outside, and threaten detention if you refuse.
三、接到自稱係金管會、法務部或行政執行處等公務單位來電,要求交付現金或名下財產監管或匯入對方所提供之公正(安全)賬戶內;對方要求 您不可掛斷電話,使您的電話保持通話中。
You receive a call from someone claiming to be from a government agency such as the Financial Supervisory Commission, the Ministry of Justice, or the Executive Yuan, requesting cash payment or supervision of your assets, or the transfer of funds to a legitimate (secure) account provided by them. They insist that you cannot hang up the phone, keeping your phone line connected.
四、接到自稱係法院執行命令、金融機構或公用事業(如中華電信、臺灣電 力公司)催繳欠款通知,經電詢後,對方要求匯款至該機構以外之特定 人帳戶,或以約定轉帳方式辦理繳款。
You receive a call claiming to be related to court orders, financial institutions, or public utilities (such as Chunghwa Telecom or Taiwan Power Company) for the collection of outstanding debts. After making inquiries over the phone, the caller asks you to remit money to an account outside of the organization or to make payments through a designated transfer method.
五、傳單或報紙分類廣告關於求職、尋求貸款、加盟或購買各類商品,而要 求存入權利金或保證金。
Flyers or classified ads in newspapers related to job seeking, loan applications, franchise opportunities, or purchasing various products request payment of a deposit or guarantee fee.
六、接到通知子女向錢莊借貸、與人作保現被绑架,要求以現金、匯款或約定轉帳方式交付款項。
You receive a notice claiming that your child has borrowed money from a money lender and is currently kidnapped, and they demand payment in cash, by transfer, or through an agreed-upon transfer method.
七、在網路上找工作，請提高警惕。避免提供銀行金融卡、透露個人資料如居留證號碼、護照號碼或隨意簽署合約。
When looking for jobs online, please be vigilant. Avoid providing your bank or financial card information, disclosing personal details such as ARC numbers or passport numbers, or signing contracts.
八、在網路販賣的全新手機或其他物品比實體店面來的便宜，對方會跟你說貨品所剩不多，請你先匯款，切記不要貪小便宜，應適當持懷疑態度。
Selling brand-new phones or other items online may seem cheaper than in physical stores. The seller might claim that there are only a few items left and ask you to make a payment upfront. Remember not to be tempted by the cheap price and maintain a level of skepticism.
實際案例Specific Scam Methods
1.詐騙集團冒用銀行電話通知你信用卡被盜用
Using a fake bank phone number and saying your credit card has been stolen.
說明：詐騙集團假裝是銀行行員跟你說你的信用卡被盜刷，還要你提供個人資訊來核對資料，並且提供假電話給你報警，你將一步步踏入陷阱。
Fraud Example: A scam group pretends to be bank representatives, claiming that your credit card has been fraudulently used. They ask you to provide personal information for data verification and even give you a fake phone number to report the incident to the police. Be cautious, as falling for this can lead you into a trap.
2.網路拍賣、購物，用先匯款後出貨的理由來詐騙買家
Persuading people into transferring before shipment to defraud buyers for online auctions and shopping.
說明：透過網路拍賣平臺、Facebook販售商品，要求買家先匯款再出貨，一開始都正常出貨，後來金額越來越大就不出貨了，賣家跑路！
Fraud Example: Through online auction platforms or Facebook, scammers sell products and ask buyers to make advance payments before shipping. Initially, they send out products as usual, but as the transaction amounts increase, they stop delivering the goods and disappear, leaving the buyer without their purchase.
3.以大樂透獎項來詐欺
Telling people that they have won the lottery.
說明：歹徒假裝通知你中2億，需先繳交90萬的稅金，就能拿到2億元。如果因貪心就很可能上當付款，最後損失慘重。
Fraud Example: Criminals pretend to inform you that you've won 200 million, but claim you need to pay 900,000 in taxes upfront to receive the full amount. Falling for the lure of quick wealth due to greed can lead to making the payment, resulting in significant and devastating financial losses.
4.假冒中華電信語音催繳帳款方式騙財
Faking Chung-hwa Telecom's voice call pressing for money.
說明：詐騙集團利用語音電話向民眾通知逾期未繳電話費，要求依照語音指示付款引誘你付款上當。
Fraud Example: Scam groups use automated voice calls to inform individuals about overdue phone bills, enticing them to make payments by following voice instructions. Be cautious, as falling for this trick can lead to making a payment under pretenses.
5.網路援交方式詐欺
Offering compensated dating service.
詐騙實例說明：應召業者、跑單幫、缺錢女大生最常利用援交拉客方式來詐騙，通常會說不收現金、只收點數，要你到超商購買點數提供序號給他，這就是詐騙！
Fraud Example: Escort services, fake job recruiters, and financially struggling college students often engage in scams using compensated dating. They may claim not to accept cash but only points, asking you to purchase points at a convenience store and provide them with the serial numbers. Be aware that this is a scam, and sharing such information could lead to financial loss.
6.用中大獎的通知，需先付稅金才能領取獎品詐財
Reminding you to pay taxes in advance to get the grand prize you won.
說明：詐騙集團會打電話跟你說你中獎了，要先繳稅金才能領獎，千萬不要中計！
Fraud Example: Scam groups may call you, claiming that you've won a prize but insisting that you need to pay taxes first before claiming it. Be cautious and avoid falling for this trick!
7.假冒親朋好友說有急用、要借錢周轉
Pretending to be your relatives and friends and saying that they need to borrow money for cash flow.
說明：詐騙盜用親友照片，加你的通訊軟體(LINE、Facebook)，說有急用要借錢，建議直接打電話跟對方做確認。
Fraud Example: Scammers may use photos of your friends or family, add you on messaging apps like LINE or Facebook, and claim to be in urgent need of money. They might ask for a loan. It's advisable to directly call the person to verify such requests and avoid falling victim to the scam.
8.歹徒以電話恐嚇方式，說你的親人被綁架，要求贖金贖人
Threatening by telephone and saying that your relatives or family members were kidnapped and demanding ransom.
說明：詐騙集團以「兒子、女兒」被綁架打給父母，讓父母立刻轉帳高額金錢以贖回子女，這時千萬要先打電話確認，千萬不要直接匯款，或報警請警方協助！
Fraud Example: Scam groups may call parents, claiming that their "son" or "daughter" has been kidnapped, demanding a large sum of money for their release. In such situations, it's crucial to verify the information by making a phone call to confirm your child's safety. Never transfer money directly without confirmation, and consider reporting the incident to the police for assistance.
9.詐騙集團刊登假的徵才廣告，騙取求職者的錢
Publishing fake job advertisements to defraud job seekers of their money.
說明：求職者找工作時，如果資方要求你要先付一筆款項、提供身分證、存摺等等物品，才能錄取你，切記千萬不要相信，你很可能會變詐騙車手。
Fraud Example: When job hunting, if an employer insists that you need to pay a sum of money or provide personal documents like ID cards and bank statements before being hired, do not believe it. Such requests are likely to be part of a scam, and falling for them could lead to becoming a victim of fraud.
10.詐騙集團刊登假的低利率貸款廣告，讓缺錢的人上當
Publishing fake low-interest rate loan advertisements to trick people who are short of money.
說明：如有缺金錢，勿找廣告上奇怪的貸款、地下錢莊、來路不明的公司做借款，直接到銀行辦理才是上策。
Fraud Example: If you need money, avoid seeking loans from suspicious advertisements, underground lenders, or unknown companies. It's best to go directly to a bank for loan transactions to ensure legitimacy and financial safety.
11.詐騙集團以戶政事務所名義通知個資外洩
Notifying personal data leakage in the name of the Household Registration Office.
說明：不論是哪個公家機關 (戶政事務所、法院)通知你任何事情，一定要先跟附近的戶政事務所確認是不是真的，千萬不要傻傻就照對方說的話、提供證件給他人。
Fraud Example: Regardless of which government agency (such as household registration offices or courts) contacts you about any matter, always verify the authenticity by contacting the nearby office. Never blindly follow instructions or provide personal documents to someone without confirming their identity through official channels.
12.詐騙集團以法院名義寄假公文傳票給你
Sending you false official documents and subpoenas in the name of the court.
說明：法院如果要通知民眾到案，只會以書面方式通知，絕對不會以電話作為聯絡方式。公文收到後，為確保可信度，可打到相關部門做詢問確認！
Fraud Example: If a court needs to notify individuals to appear, they will only do so through written notices and will never contact you via phone. If you receive official documents, to ensure credibility, it's advisable to call the relevant department to inquire and confirm the legitimacy of the communication.