近年來各種詐騙手法層出不窮，警方特別提醒民眾提高警覺，因為騙局往往打著「賺錢快」「操作簡單」「官方正規」的旗號，利用人性的貪婪、恐懼與信任心理來達到目的。

在眾多類型中，所謂「刷單返利詐騙」可謂最為猖獗，甚至被稱為「詐騙之王」。詐騙分子會先透過簡訊、社群平台或短影音廣告，號稱招募「兼職刷單」，吸引受害者進群。初期安排一些簡單的「任務」，例如點讚、關注，就立刻給予小額佣金，以此建立信任。群裡還會有「托兒」假裝炫耀高額收益，讓人誤以為是真的賺錢機會。接下來便引導下載虛假App，進行「進階任務」。一旦受害人投入大額資金，詐騙分子便會以「任務未完成」「帳戶異常」等理由拒絕出金，不斷要求追加匯款，直到受害人驚覺上當。

另一種高發的詐騙是「虛假投資理財」。騙子會假裝成投資導師或異性交友物件，先透過「盈利截圖」或「直播教學」博取信任，再引導受害者操作虛假的投資帳號。前期讓對方小額投資並成功提現，等到受害人追加大筆金額時，就以「系統維護」「帳戶凍結」為由，要求繳納解凍費或保證金，最終人財兩空。

網購環境下，「假購物、假服務詐騙」同樣屢見不鮮。詐騙分子往往以低價商品、代購、代搶門票或代寫論文等噱頭吸引消費者，隨後誘導跳出正規平台，轉向私下交易，藉「省手續費」博取信任。錢一旦匯出，就會被各種理由再次索取，如「補交關稅」，最後人間蒸發。「冒充電商物流客服」也成為近年熱門手法。他們會在快遞包裹中放置小卡片或二維碼，引導添加「客服」，謊稱誤買保險或需退費，誘導受害者下載陌生聊天App。在指導操作過程中，騙子會要求開啟螢幕共享，趁機竊取資金。

而「假貸款、修復徵信詐騙」則瞄準經濟壓力族群。詐騙分子冒充銀行或貸款平台，聲稱「無抵押、秒放款」，誘導受害人下載假App或登入假網站。隨後以「修復徵信」「繳納保證金」等名目索費，再編造「流水不足」「操作錯誤」等藉口，不斷榨取錢財。「冒充領導或熟人詐騙」同樣隱蔽，詐騙者會盜用領導、老師、同學的社交頭像和訊息，混入群聊或直接加好友，模仿對方語氣嘘寒問暖，最終以「急需用錢」為由，要求轉帳。

最具恐嚇性的，莫過於「冒充公檢法詐騙」。騙子透過非法獲取的個人資料，冒充公安檢察官，展示假通緝令、假法律文書，聲稱受害人涉案，必須「配合調查且不得外傳」。他們會要求將錢轉入所謂「安全帳戶」，或繳納「取保候審金」。受害人一旦陷入恐慌，往往在全然隔絕外界幫助下失去判斷力。

「婚戀交友詐騙」則是透過塑造「高富帥」「白富美」的人設，在婚戀平台長期陪聊，營造出完美戀愛氛圍。等到情感依賴建立後，便以突發變故、急需用錢為由，不斷索取財物，直到受害人再無能力支付。

網路遊戲環境中，「虛假交易詐騙」同樣常見。詐騙者以低價賣遊戲帳號、點卡或道具為誘餌，要求脫離正規平台進行私下交易，再以「解凍費」「註冊費」為名持續騙錢，最後將受害人拉黑。甚至連「機票退改簽詐騙」也防不勝防。詐騙分子會準確說出航班訊息以博取信任，謊稱航班取消或延誤，要求下載指定App或登入假網站，最後以螢幕共享或轉帳操作之名，將資金席捲一空。

警方提醒，這些詐騙的共通點，便是利用「利益誘惑」或「恐懼心理」，製造緊迫感，讓受害人來不及思考便倉促做出決定。唯一的防範之道，就是保持冷靜，凡涉及金錢轉帳，務必通過正規渠道核實；任何要求下載陌生App、開啟螢幕共享或私下轉帳的要求，都必須高度警惕。

In recent years, all kinds of scams have been emerging in endless forms. Police have repeatedly warned the public to stay vigilant, because swindlers always disguise themselves with claims like “easy money,” “simple tasks,” or “official and legitimate.” They exploit human greed, fear, and trust to achieve their goals.

Among the many types, so-called “rebate scams for online tasks,” often referred to as the king of scams, are the most widespread. Fraudsters send text messages, post on social media, or advertise in short-video platforms, claiming to recruit people for “part-time jobs.” Victims are lured into online groups, where they are assigned simple “tasks,” such as liking posts or following accounts. Once completed, they immediately receive small commissions to build trust. Within the group, fake members show off screenshots of “huge profits” to make it look real. Victims are then induced to download fake apps for “advanced tasks.” After larger sums of money are invested, the scammers make excuses such as “incomplete tasks” or “account frozen,” demanding more transfers until the victim realizes they’ve been deceived.

Another frequent scam is “fake online investment.” Fraudsters pose as investment mentors or even romantic partners. They use fabricated profit screenshots or “live tutorials” to win trust, then guide victims into operating on fraudulent trading platforms. At first, victims may be allowed to withdraw small profits, which encourages them to invest larger amounts. Once that happens, excuses like “system error” or “account frozen” appear, and victims are asked to pay “unfreezing fees.” In the end, the scammers vanish with all the money.

In the realm of e-commerce, “fake shopping or service scams” are common. Fraudsters post advertisements for cheap products, overseas purchasing, ticket scalping, or services such as essay writing. They persuade victims to conduct private transactions outside of official platforms, claiming it will “save service fees.” Once payments are made, scammers invent new charges such as “customs duties” before disappearing completely.

“Posing as e-commerce or logistics customer service” is another growing tactic. Scammers insert cards or QR codes into packages, directing victims to add fake customer service accounts. They may also claim the victim accidentally purchased “insurance” and offer a refund. Victims are lured into downloading obscure chat apps, where scammers guide them step by step, eventually demanding they enable screen sharing. This gives them access to bank accounts and personal information.

“Loan and credit scams” target people in financial distress. Scammers pose as banks or lending platforms, advertising “no collateral, instant loans.” Victims are tricked into downloading fake loan apps or visiting fraudulent websites. Once engaged, they are told to pay “guarantee fees” or “credit repair fees.” Later, excuses such as “insufficient account flow” or “system errors” are fabricated to demand more payments, until the fraudsters either cut off contact or invent new reasons to continue extorting money.

“Impersonation of leaders or acquaintances” is another trap. Criminals steal the profile photos and information of bosses, teachers, or friends, then add victims as contacts or infiltrate group chats. They imitate the tone of the person they are impersonating, slowly building trust, before requesting money transfers under urgent pretexts.

Perhaps the most frightening are “impersonation scams involving police, prosecutors, or courts.” Using illegally obtained personal information, scammers pretend to be law enforcement officers, producing fake arrest warrants or legal documents. They tell victims they are under investigation for serious crimes, demand secrecy, and order them to transfer money into so-called “safe accounts” or pay “bail.” Victims, terrified and cut off from outside contact, often comply without thinking.

“Romance scams” rely on fabricated identities such as the “wealthy, handsome man” or “beautiful, affluent woman.” On dating apps and websites, fraudsters maintain long-term communication, crafting the illusion of a perfect relationship. Once emotional dependence is established, they claim to face sudden misfortunes or emergencies, and continuously ask for money until the victim can no longer pay.

In online gaming, “fake trading scams” are also widespread. Scammers advertise cheap game accounts, gift cards, or virtual items. Victims are persuaded to step away from secure trading platforms to conduct private deals. Later, scammers demand extra payments, such as “registration fees” or “unfreezing charges,” before blocking the victims entirely.

Even the airline industry has been exploited, with “flight change or refund scams.” Scammers accurately report victims’ flight information to gain trust, then claim the flight is delayed or canceled. They promise compensation and direct victims to download certain apps or log into fake websites. Through screen sharing or payment instructions, they steal funds or manipulate victims into transferring money.

Police emphasize that these scams share one common strategy: they create either the illusion of huge profits or the fear of severe consequences. They manufacture urgency, leaving victims little time to think clearly before acting rashly. The best protection is to stay calm and always verify through official channels. Any request involving downloading unfamiliar apps, enabling screen sharing, or conducting private money transfers should be treated as a major red flag.