FTC 警告称，比特币 ATM 诈骗不断增加，尤其是针对老年人

根据联邦贸易委员会 (FTC) 的数据，新形式的货币可能为新形式的欺诈打开大门，比特币 ATM (BTM) 诈骗正在增加。

New forms of currency can open the door to new types of fraud, and scams involving Bitcoin ATMs (BTMs) are on the rise, according to data from the Federal Trade Commission (FTC).

根据联邦贸易委员会 (FTC) 的数据，新形式的货币可能为新型欺诈打开大门，涉及比特币 ATM (BTM) 的诈骗正在增加。

November will mark two years since the third-largest cryptocurrency brokerage platform, FTX, collapsed due to a massive fraud that cost investors millions, but the FTC is now warning of another type of swindle entirely: smaller in scale and targeting ordinary people, particularly the elderly. It scammed the unsuspecting out of a total of $66 million in the first half of this year alone, and those are just the reported cases.

11 月将是第三大加密货币经纪平台 FTX 因大规模欺诈事件导致投资者损失数百万美元而倒闭两周年，但联邦贸易委员会 (FTC) 现在完全警告另一种类型的诈骗：规模较小，针对普通民众，尤其是普通民众。老年。仅今年上半年，该公司就在毫无戒心的情况下骗取了总计 6600 万美元的资金，而这些还只是报道的案例。

Losses last year amounted to $114 million, 10 times more than in 2020. Authorities believe that these figures are just a fraction of the total, as most cases go unreported. The FTC describes the growth of these operations perpetrated through BTMs installed in 24-hour convenience stores, gas stations and other urban areas as “enormous.” BTMs can be used to buy or send cryptocurrencies.

去年的损失达 1.14 亿美元，是 2020 年的 10 倍。当局认为，这些数字只是总数的一小部分，因为大多数案件都没有报告。 FTC 将通过安装在 24 小时便利店、加油站和其他城市地区的 BTM 进行的此类业务的增长描述为“巨大”。 BTM 可用于购买或发送加密货币。

The average reported loss per scam is $10,000, an amount that would seriously impact a family’s finances. According to the authorities, people over the age of 60 are three times more likely to report falling victim to this scam than younger people.

每个诈骗报告的平均损失为 10,000 美元，这一金额将严重影响家庭的财务状况。据当局称，60 岁以上的人报告成为这一骗局受害者的可能性是年轻人的三倍。

How does it work?

它是如何运作的？

There is no single script, but in most cases the victim receives a call or text about unauthorized spending from their account or other suspicious activity such as unauthorized transfers. In other cases, a security alert is sent to the victim’s computer on behalf of Apple or Microsoft. This is followed up by a phone call from someone masquerading as a representative of a government office or even the FTC itself. The victim is told that the money in their account is at risk or that their accounts are being used by criminals in money laundering operations, drug trafficking and other crimes.

没有单一的脚本，但在大多数情况下，受害者会收到有关其帐户未经授权的支出或其他可疑活动（例如未经授权的转账）的电话或短信。在其他情况下，安全警报会代表 Apple 或 Microsoft 发送到受害者的计算机。随后，有人冒充政府办公室甚至联邦贸易委员会本身的代表打来电话。受害者被告知其账户中的资金存在风险，或者其账户正被犯罪分子用于洗钱、贩毒和其他犯罪活动。

Next, the scammer encourages the victim to deposit their money in a BTM for safeguarding. According to the FTC, these BTCs are known as lockboxes. “They ask the victim to go to their bank, take the money out and go to a nearby or specific BTM to make the deposit. The victim will receive a QR code to scan into the machine via text and once that happens the money will go directly into the scammer’s pocket,” the FTC states.

接下来，骗子鼓励受害者将钱存入 BTM 进行保护。根据 FTC 的说法，这些 BTC 被称为密码箱。 “他们要求受害者去他们的银行，把钱取出来，然后到附近或特定的 BTM 存钱。受害者将收到一个二维码，通过文本扫描到机器中，一旦发生这种情况，钱将直接进入诈骗者的口袋，”联邦贸易委员会表示。

Distinguishing legitimate calls and text messages from scams is becoming increasingly difficult, even for experts. And remaining alert is a job that is becoming increasingly more complicated.

即使对于专家来说，区分合法电话和短信与诈骗也变得越来越困难。保持警惕是一项变得越来越复杂的工作。

The FTC recommends that you never open a link to a web page that has been sent to you, or respond to unsolicited calls or texts that appear on your cell phone. If you think a message about non-payment of your last electricity bill may be genuine, call the utility company directly, but use the phone number you have for the company, not the one provided in the text. Never use the telephone number or the web site attached to the message.

FTC 建议您切勿打开发送给您的网页链接，也不要回复手机上显示的未经请求的电话或短信。如果您认为有关未支付最后一次电费的消息可能是真实的，请直接致电公用事业公司，但使用您拥有的该公司的电话号码，而不是文本中提供的电话号码。切勿使用消息中附带的电话号码或网站。

Keep in mind that government agencies will never call you on the phone if they have not contacted you by letter first. Callers that claim to be the police, IRS, FTC, SEC or any other agency, without any written legal communication or visit, are fraudulent.

请记住，如果政府机构没有先通过信件与您联系，则永远不会给您打电话。声称自己是警察、国税局、联邦贸易委员会、证券交易委员会或任何其他机构的来电者，在没有任何书面法律沟通或访问的情况下，都是欺诈行为。

A line such as “we have been trying to contact you for several weeks now without success to warn you that we will be cutting off your electricity supply tomorrow due to non-payment” should ring alarm bells. The urgency of the supposed situation aims to prevent the victim from having time to verify the allegations or even think straight and suspect they may be fabricated.

诸如“我们几周来一直试图联系您，但没有成功警告您，由于未付款，我们明天将切断您的电力供应”之类的内容应该敲响警钟。假设情况的紧迫性旨在阻止受害者有时间核实指控，甚至无法思考并怀疑这些指控可能是捏造的。

There is no banking emergency that will be solved by transferring your money to a Bitcoin ATM or via a prepaid card or gift card. No business or state agency is ever going to ask you to do anything similar. As soon as a caller makes such a suggestion, hang up, stay as calm as possible and congratulate yourself on the fact you have just escaped becoming a victim of a scam. If you suspect you are a victim, report the scam to the police and the FTC at ReportFraud.ftc.gov.

没有任何银行紧急情况可以通过将钱转移到比特币 ATM 或通过预付卡或礼品卡来解决。没有任何企业或国家机构会要求你做类似的事情。一旦来电者提出这样的建议，请挂断电话，尽可能保持冷静，并庆幸自己刚刚逃脱了诈骗的受害者。如果您怀疑自己是受害者，请通过 ReportFraud.ftc.gov 向警方和 FTC 举报该骗局。

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