Recently, fraud methods have become increasingly sophisticated. Please explain in detail the common sense and key points to take to prevent this fraud.

 In recent years, scam techniques have become increasingly sophisticated by exploiting AI, social media, and human psychology. Here is a comprehensive guide to the "New Common Sense" and practical points for scam prevention.

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1. The "New Common Sense" of Scam Prevention

Scams are no longer just "suspicious emails with bad grammar." You must operate under these three new assumptions:

• Don't Trust the "Display": Phone numbers, sender names, and email addresses can be easily spoofed (faked). Even if the logo looks official, the source may not be.

• "Urgency" is a 100% Red Flag: Phrases like "Action required today," "Legal action," or "Account suspended" are designed to make you panic and bypass your logical thinking.

• Verify Even "Acquaintances": With SNS account hijacking and AI deepfakes (fake voice or video), a scammer can perfectly impersonate your friend, boss, or family member.

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2. Specific Tactics and Countermeasures

① Phishing Scams (Email & SMS)

Scammers pose as banks, Amazon, or government agencies to lure you to fake websites to steal your login credentials or credit card info.

• Countermeasure: Never click links inside a message. Always access the service through your own "bookmarks" or the "official app" to check your status.

② SNS & Investment Scams

Using fake celebrity ads or dating apps, scammers promise "guaranteed returns" and direct you to transfer money to fake investment platforms.

• Countermeasure: Assume SNS ads are unverified. There is no such thing as a "secret investment tip just for you." If the bank transfer recipient is an individual's name rather than a company, it is a scam.

③ Tech Support Scams

A pop-up warning appears while browsing, saying "Your computer is infected with a virus," and provides a number for "support."

• Countermeasure: Never call the number on the screen. Simply close the browser tab or restart your computer. These warnings are just browser-based images designed to scare you.

④ AI-Powered Scams (Advanced "Grandparent Scams")

Scammers use AI to clone a family member's voice and call you claiming they are in trouble and need immediate cash.

• Countermeasure: Hang up immediately and call that family member back on their known, saved number. Setting a "family secret password" is also an extremely effective defense.

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3. Three Essential Actions to Protect Yourself

1. Enable Two-Factor Authentication (2FA): Even if a scammer steals your password, they cannot log in without the second code sent to your physical device.

2. Consult Others Immediately: Scammers try to isolate you. If something feels off, talk to family, the police, or a consumer hotline before taking any action.

3. Use Call Filtering Technology: Install apps (like Whoscall) that identify and block known scam numbers so you don't even have to pick up the phone.

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Summary: The Best Defense

The strongest protection is to give up the confidence that "I can't be fooled." By accepting that anyone can be a victim and choosing to pause and verify every request, you protect your assets and your peace of mind.

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Would you like to know more about a specific type of scam, such as those targeting online shopping or cryptocurrency?

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