Who would study psychology unless they had some issues?!

The subsequent verbatim transcript is still being displayed on the PPT.

The students below have started to understand that the case Nan Zhubin is presenting now is indeed different from the scam cases they've heard about before.

Their curiosity grows stronger, and their attention becomes more focused.

[Scammer A: "Sorry, I'm really sorry... Please hold on a moment. I need to consult my supervisor for this situation. I will transfer the call to an internal line shortly and let our supervisor handle your issue. I'm really sorry."

W: "Alright."

Five minutes later.

Scammer A: "Mr. W, transferring you to our supervisor now."

The phone rings as the call is transferred.

Scammer B: "Hello, is this Mr. W? May I ask if you want to cancel our diamond membership?"

W: "You're their supervisor, right? It's not about canceling; there was a mistake, and they inexplicably signed me up for an annual membership. Now they're saying they'll forcibly deduct a 98 RMB membership fee, and if I don't pay, it'll affect my credit score. What's the deal, forced sale or what?"

Scammer B: "Alright, alright, hold on a moment... Mr. W, our backend has transferred your account here, and we need to verify your identity again. Can you give me the date and order number of your most recent online purchase?"

W: "It's a hassle... The most recent online purchase was three months ago; I bought a razor, and the order number is 23XXXXXXXXXXXX90."

Scammer B: "Hold on... There's no such record."

W: "How could it not exist?"

Scammer B: "It might be because it happened too long ago, and the backend updates in real-time... Please wait, let me check if there's another verification method... Do you have our PeachPay payment tool linked?"

W: "I do, PayBao, WeStar."

Scammer B: "Great, let me check... Can you find the PayBao and WeStar interfaces and tell me the balances?"

W: "What's the purpose of this?"

Scammer B: "Because these two are linked to our payment backend; they can also serve as identity verification."

W: "What a hassle... PayBao balance is 98.67 RMB, and no money in WeChat."

Scammer B: "Okay, hold on... Great, no problem. It seems like you really don't shop online often. Could I ask what your job is, Mr. W?"

W: "University teacher. All my money is with my wife, so even if you deduct, you can't take any money. Didn't your customer service say it would affect my credit score, right?"]

At this point, some students couldn't help but burst into laughter.

Nan Zhubin spent a moment waiting and then tugged at a smile: "I believe everyone can see now that Mr. W is confident he won't be cheated of money."

The laughter from the audience grew a bit louder.

"His financial situation at the end of the month is pretty much like that of the students here."

The laughter grew even louder, filling the classroom with a joyful atmosphere.

But then, Nan Zhubin changed his tone: "Yet, because of this, his vigilance is particularly low, which is a crucial factor in his eventual falling victim."

"Moreover, due to the similarity in economic strength, this scam could work not just on W but also on you."

This case is really suitable for sharing with students.

Nan Zhubin pressed the laser pointer, and the red light jumped between the sentences on the PPT.

"In the previous PPT page, the scammer elevated Mr. W to a high position, which has both advantages and disadvantages. If they want to use persuasive techniques and say assertive words that don't match a 'lower' status, it would easily break the fabricated atmosphere."

"Thus, they've cleverly switched the dialogue lead, replacing it with a 'manager,' a 'leader.' In this scenario, it allows W to remain angry and proactive while still accepting some rather blunt guidance."

"At the same time, the identity switching and call transfer process enhance their disguise's authenticity."

Nan Zhubin circled the end of the conversation with a red dot: "The scammer demanding the balance report is a very likely trigger for vigilance. But at this point, under the conditions of identity elevation, emotional wake-up, false environment creation, and 'confidence' in his economic strength, Mr. W didn't question or seize this chance to escape."

"This also gave the criminals a chance to adapt their scam tactics."

Nan Zhubin continued switching the PPT slides.

[Scammer B: "It's still not feasible; there's no way to cancel it. Possibly because your account hasn't had any transactions or usage for a long time."

W: "What should I do then?"

Scammer B: "Try operating it; can you transfer the money from PayBao to your card? Do it carefully, and make sure you transfer it to your card; otherwise, it'll be unclear from this side, which is very troublesome. What if they say it's a scam or something..."

W: "I can."

Scammer B: "Hold on, let me check... Still shows nothing; not even any changes in your account. Open the [Personal Center] interface, and tell me which operations can be used?"

W: "Balance transfer, funds, Huabei, Jiebei, Yulibao..."

Scammer B: "You tried transferring just now, but it's still not activating your account to cooperate with our operations; could you try the others?"]

Nan Zhubin switched slides.

In the subsequent transcript, it shows that Mr. W becomes increasingly anxious, starting to speak more aggressively, while Scammer B continues to communicate with W with a sense of impatience, restrained by professional requirements.

"In this situation, Mr. W successively completed the activation of PayBao's funds, Huabei, Jiebei, and borrowed a total of 50,000 RMB, finally completing the activation of Yulibao."

Each time Nan Zhubin switched a slide, it showed Mr. W completing a function under the scammer's guidance.

Though it appears complicated, there's actually only one key point.

—That is the Jiebei activation and the acquisition of the 50,000 RMB balance.

"This is the second clever aspect of the criminals—patience."

Nan Zhubin pointed to a spot on the PPT: "In the cases you've seen before, usually only a few hundred words are used for description; simultaneously, the process is simplified, so you might misunderstand the scam process."

"You might think that scammers would go straight in, be impatient, and complete the entire process in tens of minutes, or even a few minutes. They'll cast a wide net and specifically target fools, switching targets immediately upon encountering someone slightly vigilant, without wasting time."

"But that's not the case."

Nan Zhubin rewound the PPT, starting from the slide where the scammer confirmed Mr. W's PayBao functionality, replaying page by page the verbatim transcript.

"During this process, Scammer B guided victim Mr. W to try all functions of PayBao, spanning over thirty minutes."

"And due to high involvement and concentrated attention, victim W didn't abandon because of time passing; instead, he became increasingly impatient."

"In general cases, scammers use small transfers as a form of 'sunk cost' to entice victims into making a final large transfer."

Nan Zhubin explained: "But here, the criminals were smart, using 'sunk cost' to increase victim involvement, but not using money as the cost, but—[time]."

Nan Zhubin tapped the projector: "Only now do the criminals attempt for the first time to have victim Mr. W perform a [transfer] operation."

"Yet again, not asking for money outright, but continuing the disguise."

The slideshow continued to play.

[Scammer B: "Apologies, let's try one last method. Let's attempt to use your transfer function to send a verification code to my backend here."

Scammer B: "You'll need to enter a 10-digit code in the transfer amount field and input a 2-digit account code. Surely, you don't have a balance of 10 digits, and a two-digit balance doesn't exist; we just need to use this function to send a backend message."]