Baidu Pay's anti-fraud guidelines for the Baidu Youa payment platform

Baidu Youa's payment platform Baifubao Anti-Scam Guide

Anti-Scam Secrets (Part 1)

Dear members of Baidu Youa's online trading platform, do you want to protect the security of your Youa account? Do you want to make those annoying online scammers powerless? The latest Baifubao anti-scam secrets are here. Members of Youa, quickly come and learn a few tricks!

Baidu Youa's payment platform Baifubao Scam Method One: Using low prices as bait. Products with high market prices are priced very low to attract attention first. After both parties agree on the deal and the buyer makes the payment, the seller will ask the buyer to confirm receipt of the goods first and use various excuses to persuade the buyer, such as "Your buyer level is not high enough" or "I need to receive the money first before I can get the goods." Once the buyer is persuaded and confirms receipt of the goods, the seller disappears.

Baidu Youa's payment platform Baifubao Anti-Scam Secret One: Be extremely cautious of goods that are priced astonishingly low. Don't be tempted by low prices, which can affect your judgment. Generally, such scammers target digital products, for example, marking a phone worth 4000 yuan at 1000 yuan or even lower. At this point, buyers need to be more vigilant. However, it doesn't mean all low-priced goods are problematic. As long as you choose to buy through Baifubao, you are quite safe because Baifubao only transfers the payment to the seller after you confirm receipt of the goods. But remember, after paying through Baifubao, no matter how persuasive the seller is, do not confirm receipt of the goods until you have actually received them. If you confirm receipt of the goods prematurely, the payment will go directly into the seller's account, and by the time you realize you've been scammed, it will be too late.

Baidu Youa's payment platform Baifubao Scam Method Two: Trojan virus implantation. By sending pictures or other files to the other party, Trojan viruses are implanted into their computer to steal passwords.

Baidu Youa's payment platform Baifubao Anti-Scam Secret Two: Do not easily accept files sent by strangers via chat tools, email, etc., such as pictures. If a seller claims they have more product pictures to show you, try to ask the seller to post the product pictures on Baidu Youa to avoid accidentally getting infected with a virus. Also, remember to set your Baifubao payment password different from your Baidu Youa (or Baifubao) login password. Baifubao passwords are usually protected by security controls and generally won't be easily obtained by Trojan programs. Additionally, password settings should not be overly simple; it's best to use a combination of numbers, letters, and special characters.

Baidu Youa's payment platform Baifubao Scam Method Three: The most common SMS fraud, for example, "Congratulations! In the XXXX event, you won the XX second prize. Please reply with your Agricultural Bank account number and online banking password" to trick bank passwords.

Baidu Youa's payment platform Baifubao Anti-Scam Secret Three: When receiving unfamiliar text messages about winning prizes, be more vigilant. You can call the relevant department to inquire, for example, if it is issued in the name of a bank, call the bank's customer service hotline to inquire. If it is issued in the name of Baidu Youa, you can call Baidu Youa's customer service hotline to inquire (4006 666 365). If it is issued in the name of Baifubao, you can call Baifubao's customer service hotline to inquire (4006 666 365).

Baidu Youa's payment platform Baifubao Scam Method Four: Misleading the other party by using member names. For example, a member registers with the name "Buyer has paid, waiting for seller to ship," misleading the seller. The seller, without looking carefully at the transaction management list, mistakes the buyer's member name for the transaction status and hurriedly ships the goods. In fact, the transaction status still remains "Waiting for buyer to pay."

Baidu Youa's payment platform Baifubao Anti-Scam Secret Four: Carefully check the transaction status in the transaction list and act according to the transaction status. Do not act prematurely. For example, when in the "Waiting for buyer to pay" status, it is recommended that the seller does not rush to ship the goods; before receiving the goods, the buyer should not rush to confirm receipt of the goods. Also, pay attention to the timeout mechanism. Specific timeout mechanisms can be found in Baifubao Help Center's "Timeout Mechanism" (http://co.youa.baidu.com/content/payhelp/B6/2008-09-05/191328185337.html#2).

Baidu Youa's payment platform Baifubao Scam Method Five: Deceiving by using similar member names. Scammers take advantage of the fact that the small letter "L" and the number "1" in Baidu Youa member names look very similar. They register an account similar to the buyer's member name "1XXX" as "lXXX," then use another account to communicate with the buyer and lead them to make a purchase. After the buyer pays, the scammer uses the similar account to contact the seller. The seller, unaware of the situation and not noticing the account clearly, ships the goods to the scammer, allowing the scammer to succeed.

Baidu Youa's payment platform Baifubao Anti-Scam Secret Five: Buyers must communicate directly with the seller and must communicate with the seller's main account. If the seller says they are speaking through a pseudonym or that they are a friend of the seller, be more vigilant! At the same time, please note, sellers should carefully check the buyer's account before shipping. If shipping physical goods, ship according to the delivery address left by the buyer when they paid through Baifubao; if shipping virtual items, use Baifubao's shipping remarks function to avoid unnecessary disputes.

Baidu Youa's payment platform Baifubao Scam Method Six: Deceiving under the guise of customer service. A scammer registers an ID named "Online Customer Service 1" and pretends to be Baifubao customer service. Through Baidu HI, they ask other members for their Baifubao username and password, claiming it is to verify Baifubao account security. If the member does not provide it within 3 days, their Baifubao account will be frozen. Some new members mistakenly believe that Baifubao staff are really verifying account security and provide their Baifubao account username and password to the scammer, allowing the scammer to succeed.

Baidu Youa's payment platform Baifubao Anti-Scam Secret Six: Baifubao and Baidu Youa staff will never ask members for their Baifubao account username and password or payment password for any reason. Therefore, if you receive such inquiries, do not disclose any account-related information to ensure the safety of your account.

Baidu Youa's payment platform Baifubao Anti-Scam Small Knowledge Compilation

Baidu Youa's payment platform Baifubao Scam Method Seven: Using phishing websites to deceive. The thief actively contacts the purchaser through Baidu HI, claiming they have the goods the member needs, with reasonable pricing. The purchaser is interested and suggests initiating a Baifubao transaction. However, the thief claims they do not support Baifubao transactions but only support online banking transfers. When the buyer says they don't support Baifubao transactions, the thief compromises, saying they can ship the goods first and the member can pay after receiving and being satisfied with the goods. However, the condition is that the member must first pay the shipping fee through a logistics website. The thief provides a logistics website link to the member, asking them to pay the shipping fee online at the provided URL. Unaware, the member sees the page as a logistics website with online payment functionality and fills out the required information carefully. Finally, they are directed to the online banking payment page to make the payment, which is unsuccessful. The result is that the member's bank card is stolen.

Baidu Youa's payment platform Baifubao Anti-Scam Secret Seven: Do not click on any website links provided by the other party during the transaction. To check transaction information and complaint information, always log in to Baifubao's website https://www.baifubao.com or Baidu Youa http://www.youa.com for inquiries. Do not enter your Baifubao login password or payment password in emails or on other websites.

We have temporarily listed these few scams. As long as everyone follows the normal Baifubao transaction process, we believe that online scammers will be powerless. Let's work together to create a trustworthy space for Baidu Youa!

Baidu Youa's payment platform Baifubao Anti-Scam Small Knowledge Compilation