Who would study psychology if they didn't have some kind of problem?

What is he saying in Chapter 491?

At this point, only the last page of Nan Zhuren's prepared dialogue PowerPoint presentation remained.

The vast web woven by fraudsters also ensnares their victims, biting down with venomous teeth, waiting for the final harvest.

Nan Zhuren reminded everyone in real time: "Everyone, pay attention, now is the time for the fraudsters to make their final move."

Scammer B: "Try it, first enter 8927539275 in the transfer amount."

W: "...Okay."

Scammer B: "Enter 87 into the account. Then click 'Confirm Transfer.' We'll use the transfer information to test your identity."

W: "Okay. I clicked on the transfer, and it asked me to fill in the bank name of the bank card I was transferring to."

Scammer B: "Never mind, we're not really transferring money. Let me check the backend... Tsk, still no message."

W: What should we do then?
Scammer B: "Let's try one more time. This time, let's fill in the bank information too. This time, try entering an 8-digit transfer amount and an 18-digit account number. Enter 49382741 for the transfer amount and 3828283069684786094 for the account. Then, just fill in any bank number."

W: "Can I fill in the Industrial and Commercial Bank of China's name?"

Scammer B: "You can fill in any answer, it doesn't matter, we just need to send out the message."

W: "...I filled it out, and he asked me to enter my payment password."

Scammer B: "Try entering it. Anyway, the bank card number and balance won't actually transfer any money. We don't use this system often, so the process might be a bit complicated."

W: "Okay, it shows that the bank card does not exist and the transfer failed."

Scammer B: "Of course it will fail, it's not a real transfer... I received a message, but what does 'failed to receive' mean? What's going on..."

W: "Are you guys even capable? How much longer are you going to take?"

The deadly venom begins to take effect in the victim's emotions and mind, while he remains completely unaware.

Then, the harvest came.

Scammer B: "Let's try one last time. If that doesn't work, we'll try something else. In the bank's remarks section, please fill in ICBC, and then we'll generate another set of serial numbers for you..."

Scammer B: "Okay, enter 4869573025964396043 in the transfer account field and 48325 in the transfer amount field."

W: "Okay..."

W: "Wait, the transfer... successful?!"

Scammer B: "Wait a minute, let me check..."

W: "Hey, what do you mean?"

W: "Hey, where are you guys? Talk to me!"

W: "Hey!"

The students below the stage fell silent.

Then they began to whisper among themselves.

Nan Zhuren pointed to this slide: "Okay, students, let's review this case from the beginning."

"From beginning to end, there were no QR codes with unknown origins, 'secure account transfers,' or 'online loan apps' that people might expect to be found here."

"There was no intimidation, nor was there any attempt to arouse greed. I was also dealing with a highly educated person."

“Even the final transfer process used the legitimate Alipay transfer procedure, but… the victim didn’t realize they were transferring money.” Nan Zhuren picked up a piece of chalk and began writing keywords on the blackboard.

"First, there is the [identity substitution]. The fraudsters disguise themselves as low-level customer service representatives, rather than the intimidating identities that people usually associate with, such as police officers, doctors, or national security personnel. They then use this identity substitution to regain a powerful position, thereby oppressing the victims and manipulating their behavior."

Nan Zhuren emphasized: "The choice of the 'customer service' identity is actually very clever, because I guess everyone has had online shopping customer service call them to ask for positive reviews. Compared to hospitals, police, etc., appearing as customer service, an identity that everyone has contacted by phone in daily life, is more likely to soothe the victim's vigilance."

Some of the students began to nod in agreement.

"Secondly, there is the [emotional tug-of-war]. At the beginning, the victim is put into a state of anger due to being offended, followed by the anxiety of verifying their identity for a long time. Even at the final step of transferring money, the criminals are still using the behavior of 'inexperienced in the business' to tug at the victim's emotions. And when people are in a state of high emotional intensity, it is difficult for them to think normally."

"Then, there is the [concealment of purpose]. The criminals never mentioned 'give me money' from beginning to end, and even said 'don't transfer money to me' several times. In the anti-fraud campaigns that everyone has received in the past, it has been repeatedly emphasized that 'don't transfer money to strangers.' The criminals took advantage of this vigilance and gave the victims a psychological suggestion that 'if you don't transfer money, you are unlikely to be a scammer.'"

Nan Zhuren pointed to the last slide of the PPT: "Even in the final transfer process, the fraudsters used deceptive tactics multiple times, gradually changing the arrangement of numbers the victims were asked to enter."

"Until the last number entered became the correct bank number, the correct target bank, and the correct amount, and the victim entered their payment password. Even at this point, the victim did not realize that they were transferring money."

The students' whispers grew a little louder.

Some students felt horrified, some muttered "How scary!", and others thought, "I wouldn't have been fooled if it were me."

Regardless of their reaction.

But at least at this moment, everyone is listening to Nan Zhuren's lecture and is taking in the content of the lecture.

"And finally, the criminals' thorough [preparedness]."

Nan Zhuren smiled and said, "At the beginning, the criminals determined the victim's financial situation, so they accurately chose the long-term, attrition-style approach."

"At the end, they would get the victim to voluntarily state the name of a bank, and then they would quickly find the corresponding bank card to complete the final transfer and harvest."

Nan Zhuren shrugged: "No matter what kind of person you are, criminals have a scam plan that suits you."

……

With a sweeping glance, Nan Zhuren took in the reactions of the students below the stage.

Whether you feel scared, indifferent, or arrogant—it's all normal.

Without personally experiencing the corresponding environment, one cannot predict how they will actually react.

Any reaction is possible when learning.

Nan Zhuren cleared his throat, attracting the attention of all the students.

His lecture was also coming to an end.

"Today I'm going to share this unconventional case with you and analyze the principles behind the criminals' rhetoric word by word."

Nan Zhuren observed the students' varied reactions.

"Actually, I know that its educational role... is there, but it won't be very significant."

The whispering students couldn't help but stop talking and looked at Nan Zhuren with confusion.

The court staff started whispering among themselves.

Judge Chen frowned: "What is this Teacher Nan... what is he talking about?"

　The numbers don't count towards the word count, so the author didn't use bank card numbers or anything like that in the dialogue to pad the word count; it was just for the sake of creating a realistic atmosphere.

　　
　
(End of this chapter)