Page 67 - NO.154銀行家雜誌

科技不夠進步，陷阱駭客能玩的相當有限。
近年來，跨國匯款越來越容易，各國聯
繫也越來越緊密，新型態的詐騙隨之而生。但
同樣的網路科技，也讓陷阱駭客變得越來越專

業，在很多情況下成功阻止了海外詐騙，其中
一個例子就是印度。在那些金融較為弱勢、資
源較少、當地警察甚至不願配合執法的國家，
用這種模式來阻止犯罪相當有用。

成功防止詐騙 需要整個社會攜手合作

有一個叫做A n y D e s k的遠端控制軟體，
印度是「遠端控制軟體詐騙」的溫床，因為英語客服產業相當蓬勃，科
可以用來遙控I T工作，以及從同一個位址 技人才多，而且疫情發生後經濟嚴重受創，因此詐騙技法層出不窮。
（圖／達志影像）
操作好幾台「無周邊伺服器」（H e a d l e s s
s e r v e r s）。這種軟體後來也深受騙子喜 一旦拿到權限，問題就麻煩了。最常見的
愛，他們一旦騙到受害人的信任，第一件 做法就是叫受害者去登入網路銀行，雖然目前
事經常就是叫受害人下載A n y D e s k之類的軟 銀行都已經把這類直接從遠端遙控的轉帳視
體，並給騙子存取權限。 為詐欺，但騙子還是可以看到受害者的財務

(and the term) originally emerged around the working with under-resourced and sometimes
time of the “Nigerian prince” scams, in the early uncooperative local police in countries at the

2000s, with the main aims of entertainment and periphery of the international financial system.
humiliation. Due to the state of technology at
the time, it was difficult to do much more. A whole-of-society effort
The more recent wave of scams has been
enabled by the increased ease of sending AnyDesk is a remote desktop program,
money around the world, as well as greater a type of software often used for remote IT
interconnectedness in general. Some of these support, as well as management of “headless”
same internet technologies are however also servers from a single central location. In the
enabling a more professional generation of fast-growing category of remote access scams,

scambaiters to strike back, in some cases once the scammer establishes cooperation with
substantially disrupting overseas operations – the victim, their first instruction is to download
particularly in India. They reveal a model for AnyDesk or a similar program to give them

台灣銀行家2022.10月號 67

1 5% JOEE