比特币 ATM 诈骗呈爆炸式增长，消费者损失数百万美元。以下是如何发现并避免它们

金融诈骗有多种形式：一家著名的科技公司据称警告您，您的在线帐户已被劫持，或者有人冒充银行高管声称您的信用卡遭到未经授权的扣款。

Financial scams come in all shapes and sizes: a major technology company warning you that someone has taken over your online account, or someone pretending to be a bank executive and claiming that there have been unauthorized charges on your credit card. More elaborate scams might involve AI and fake law enforcement officials offering to "help" you with your situation — all you need to do is hand off stacks of cash to an anonymous driver outside your home.

金融诈骗的形式和规模多种多样：一家大型科技公司警告您有人已接管您的在线帐户，或者有人冒充银行高管并声称您的信用卡遭到未经授权的扣款。更复杂的骗局可能涉及人工智能和假执法官员，他们愿意“帮助”你解决你的情况——你所需要做的就是将成堆的现金交给你家门外的匿名司机。

One clear warning sign? Such fraud is increasingly involving a bitcoin ATM, according to the Federal Trade Commission. The kiosks, known as bitcoin teller machines (BTM) and often located in places like convenience stores, bars and gas stations, look like conventional ATMs. But instead of letting you withdraw cash, users can typically buy or sell cryptocurrency using cash as well as debit or credit cards. Another difference is that BTMs are linked to a digital wallet, rather than a bank account.

一个明确的警告信号？据联邦贸易委员会称，此类欺诈越来越多地涉及比特币 ATM。这些信息亭被称为比特币柜员机（BTM），通常位于便利店、酒吧和加油站等地方，看起来就像传统的 ATM 机。但用户通常可以使用现金以及借记卡或信用卡购买或出​​售加密货币，而不是让您提取现金。另一个区别是 BTM 链接到数字钱包，而不是银行账户。

In 2023, consumers reported $114 million in losses from scams involving BTMs — a nearly 900% increase over the preceding three years, the FTC said Tuesday in a report. Losses through June of this year are around $66 million, indicating that the trend is only worsening, while the median amount people lost was a hefty $10,000.

FTC 在周二的一份报告中表示，2023 年，消费者因涉及 BTM 的诈骗而损失了 1.14 亿美元，比前三年增加了近 900%。截至今年 6 月，损失约为 6,600 万美元，表明这一趋势只会进一步恶化，而人们损失的中值金额高达 10,000 美元。

Crypto-related fraud is now among the most common financial scams, according to the Better Business Bureau. Older consumers are often targeted by criminals, with the FTC noting that people age 60 and over are more than three times as likely as younger folks to get scammed by BTM scams.

据商业改善局称，与加密货币相关的欺诈现在是最常见的金融诈骗之一。老年消费者经常成为犯罪分子的目标，FTC 指出，60 岁及以上的人被 BTM 诈骗的可能性是年轻人的三倍多。

In a typical BTM scam, the fraudster may claim that your computer has been hacked, or even that your bank accounts have been linked to drug smuggling or money laundering. They can help — but only if you follow their instructions to the letter.

在典型的 BTM 诈骗中，诈骗者可能会声称您的计算机已被黑客入侵，甚至您的银行账户与毒品走私或洗钱活动有关。他们可以提供帮助——但前提是您严格遵循他们的指示。

The ruse may also include offering to connect you with a representative from the FTC, IRS or other government agency.

该诡计还可能包括主动为您联系联邦贸易委员会、国税局或其他政府机构的代表。

At that point, the FTC explains, the scammer will instruct victims to withdraw cash from their bank and direct you to a nearby BTM, where they text you a QR code to scan at the machine. That zips the money directly to the thieves' crypto wallet.

FTC 解释说，届时，骗子会指示受害者从银行提取现金，并将您引导到附近的 BTM，他们会向您发送二维码，以便您在机器上扫描。这会将钱直接压缩到窃贼的加密钱包中。

The bottom line, according to the FTC: "Don't believe anyone who says you need to use a Bitcoin ATM to protect your money or fix a problem. Real businesses and government agencies will never do that — anyone who does is a scammer."

根据联邦贸易委员会的说法，底线是：“不要相信任何人说你需要使用比特币 ATM 来保护你的钱或解决问题。真正的企业和政府机构永远不会这样做——任何这样做的人都是骗子。 ”

More from CBS News

更多来自哥伦比亚广播公司新闻

Alain Sherter is a senior managing editor with CBS News. He covers business, economics, money and workplace issues for CBS MoneyWatch.

阿兰·谢尔特 (Alain Sherter) 是哥伦比亚广播公司新闻 (CBS News) 的高级执行编辑。他为哥伦比亚广播公司 MoneyWatch 报道商业、经济、金钱和工作场所问题。