小心：逾期合同资金电子邮件诈骗

一封声称获得意外财富的可疑电子邮件

“逾期合同资金”电子邮件是一种欺骗性邮件，旨在诱骗收件人透露敏感信息。它虚假地声称来自知名金融机构，例如尼日利亚中央银行 (CBN)，并声称收件人有权获得一大笔款项——通常是一千万美元。该电子邮件敦促收件人确认其身份和银行详细信息以接收资金。

以紧急事务为幌子的虚假承诺

虽然这封电子邮件看起来像是一份官方通讯，但其声称完全是捏造的。真正的尼日利亚中央银行以及其他指定机构与这些邮件无关。诈骗者依靠听起来很官方的语言使他们的计划看起来可信，通常引用银行程序或金融法规。然而，这样的交易根本不存在，对电子邮件的任何回复都会使收件人面临风险。

诈骗者想从受害者那里得到什么

这种网络钓鱼诈骗的主要目的之一是收集个人信息。电子邮件可能会要求提供收件人的全名、地址、职位、电话号码和银行凭证等信息。在某些情况下，发件人甚至可能会要求提供身份证明文件的扫描件，例如护照。此类数据可能会被滥用于身份盗窃计划，让诈骗者冒充受害者以牟取经济利益。

财务剥削的风险

除了窃取个人信息外，这些骗局还经常试图操纵受害者汇款。诈骗者可能会声称必须支付手续费、税款或行政费用才能发放资金。一旦受害者付款，诈骗者可能会继续以不同的借口索要更多钱款，而无意提供承诺的资金。

网络钓鱼电子邮件如何导致进一步的网络安全威胁

虽然“逾期合同资金”电子邮件等诈骗主要侧重于窃取信息和金钱，但它们也可能成为其他网络安全威胁的门户。一些网络钓鱼电子邮件附带附件或链接，可导致有害下载。如果打开，这些文件可能会在收件人的设备上安装不需要的软件，进一步危及安全。

使这些骗局看起来可信的手段

人们普遍认为诈骗邮件总是充满语法错误和明显错误，但事实并非如此，许多诈骗邮件都经过精心设计，显得很专业。诈骗邮件可能使用官方徽标、模仿真实银行邮件的格式以及听起来正式且令人信服的语言，让收件人更难立即识别出这些邮件是诈骗邮件。

电子邮件内容如下：

Subject: Re: Payment instruction to credit your account with the sum of US$10,000,000.00??? 189.8

From: Pay Master General CBN
Telephone No: +234 807 906 4764
Dr. Abdu Abubakar
Debt Reconciliation/Payment,
Central Bank of Nigeria (CBN)

Attention: Beneficiary,

Dear. Sir

Re: Payment instruction to credit your account with the sum of US$10,000,000.00???

This is to notify you that your overdue contract funds have been gazetted to be released, via key telex transfer (KTT) direct wire transfer to you by the Senate house committee for foreign overdue fund transfer. Meanwhile, a woman wrote to my office a few days ago with a letter, claiming to be your True representative. All Over due Inheritance/contract Funds winner prize have been recalled to Central Bank of Nigeria (CBN) Both Africa and Asia and USA, Europe.

Here are her information's
BANK: JPMORGAN CHASE & CO. - LA1-1908
ADDRESS: 2911 W. 70TH STREET, SHREVEPORT, LOUISIANA, U.S.A., 71108
Account Name:Elizabeth Rose Tolson
ROUTING NO: 065400137
ACCOUNT NO: 752649939
SWIFT CODE: CHASUS33
PERSONAL BANKER: MICHAEL COOPER

Please, do reconfirm to this office, as a matter of urgency if this woman is from you So that the Bank will not be held responsible for paying into the wrong account Name. Central Bank of Nigeria (CBN) has been approved and accredited by the Federal Ministry Of Finance and the Senate House committee for foreign overdue fund, to pay all foreign Overdue inheritance funds and contract to respective original beneficiaries this first quarter Payment of the year 2025.Base the meeting held with the Governor and board of directors of Central Bank of Nigeria (CBN) on 10/02/2025
Meanwhile, you are advice to get back to my office immediately with the requested details to enable us have your correct details to wire your fund: Send your reply to this email address (paymastergeneralabdu@gmail.com)

1.Your First/Middle & Last Name:
2.Your Full Office or Residential Address:
3.Your Original Country of Origin:
4.Age/Sex/Marital Status:
5.Position Held in Office:
6.Present Occupation:
7.Office Telephone/Fax:
8.Residential Tel/Fax & Mobile Line:
9.Banking Details:
10. The Official Amount Owed To You:
11. The Country Where you are expecting your claim from:
12.A certified Copy of your international passport or any scanned

However, we shall proceed to issue all payments details to the said Elizabeth Rose Tolson, if we do not hear from you within the next seven working days from today.

Your Sincerely,

Dr. Abdu Abubakar
Pay Master General
Central Bank of Nigeria (CBN)

避免成为网络钓鱼诈骗的受害者

收到意外的金融优惠时，必须谨慎行事，以免受到欺骗性电子邮件的侵害。如果电子邮件声称您有权获得资金，但需要提供个人信息或付款才能继续，则很有可能是骗局。合法的金融机构不会通过未经请求的电子邮件询问敏感信息。

诈骗者传播威胁的其他方法

虽然网络钓鱼电子邮件是诈骗者针对个人的常用方法，但这并不是威胁在线传播的唯一方式。可疑网站、虚假软件更新和未经授权的下载也会带来安全风险。确保个人和财务数据安全需要对所有在线活动保持警惕。

关键要点

为了最大限度地降低风险，请仅与来自经过验证的来源的消息进行交互，避免点击意外链接，并且不要下载来自未知发件人的附件。如果一封电子邮件似乎来自一个值得信赖的机构，但看起来不寻常或好得令人难以置信，那么通过官方渠道直接联系该机构是验证其合法性的最佳方式。通过保持知情和谨慎，个人可以避免成为网络欺诈的受害者。