Who would study psychology unless they had some issues?!

At this point, the PPT with the dialogue script prepared by Nan Zhubin only had the last page left.

The massive web woven by the scam criminals had also enveloped the victims, fiercely biting down with venomous fangs, awaiting the final harvest.

Nan Zhubin reminded in real-time, "Everyone, pay attention, we are now at the final stage of the scam criminals' operation."

[Scammer B: "Give it a try, first enter 8927539275 in the transfer amount."

W: "…Done."

Scammer B: "Enter 87 in the account, then click confirm transfer. We'll use the transfer information to verify the identity."

W: "Done. I clicked transfer, and it asked me to fill in the bank the transfer bank card belongs to."

Scammer B: "Don't worry about it, we're not really transferring money, let me check the backend… tsk, still no information received."

W: What should we do?

Scammer B: "Let's try one more time. This time, fill in the bank and see. Enter an 8-digit transfer amount, and an 18-digit account this time. Enter 49382741 for the transfer amount, 3828283069684786094 for the account, then fill in any bank."

W: "Can I fill in the Industrial and Commercial Bank?"

Scammer B: "Fill in any, it doesn't matter. We just need to send out the information."

W: "…Filled in, it asked me to enter the payment password."

Scammer B: "Just enter it, after all, the bank card number and balance can't really be transferred over. We don't use this system often, the process might be a bit troublesome."

W: "Done, it says the bank card doesn't exist, transfer failed."

Scammer B: "Of course it failed, it's not a real transfer… some information was received, but what does reception failure mean? What's going on…"

W: "Can you guys do it or not? How much longer will this take?"]

The deadly venom began to take effect in the victim's emotions and thoughts, yet he remained clueless.

Then, the harvest arrived.

[Scammer B: "Let's try one last time, if it doesn't work, we'll try other methods. You still fill in Industrial and Commercial Bank in the bank remark, then we'll generate a set of digital serial numbers for you from here…"

Scammer B: "Alright, fill in 4869573025964396043 in the transfer account, and 48325 in the transfer amount."

W: "Done…"

W: "Wait, transfer… successful?!"

Scammer B: "Hold on, let me check…"

W: "Hey, what do you mean?"

W: "Hey, where are you guys? Say something!"

W: "Hey!"]

The students below the stage quieted down.

Soon after, they began whispering.

Nan Zhubin pointed to this page of the PPT, "Alright, students, let's review this case from the beginning."

"From start to finish, there was actually no appearance of anything like 'QR codes of unclear origin', 'safe account transfers', or 'online loan apps' in the cognition of everyone."

"There was no intimidation or any arousal of greed. The target was also a high intellectual."

"Even during the final transfer stage, a formal payment transfer program was used, it's just… the victim didn't realize they were transferring money."

Nan Zhubin picked up a piece of chalk and started writing down keywords on the blackboard.

"Firstly, there's [Identity Replacement]. The scammer disguised themselves as a low-ranking customer service agent, instead of roles like police, doctors, or national security, which are more intimidating, then used identity swapping to return to a dominant position, thereby oppressing the victim to achieve behavioral control."

Nan Zhubin emphasized, "The choice of a 'customer service' identity is actually very clever because I'm guessing you've all had situations where online shopping customer service calls asking for good reviews. Compared to hospitals, police, etc., appearing as customer service, an identity everyone is familiar with through phone interactions, can better calm the victim's vigilance."

Some students started nodding.

"Secondly, there's [Emotional Tugging]. In the beginning, the victim is plunged into a state of being offended and angry, followed by the anxiety of long-term identity verification. Even at the last step of the transfer, the criminal is still using 'business unfamiliarity' to tug at the victim's emotions. Under high emotional tension, it's very difficult to think normally."

"Then, there's [Hidden Motives]. At no point did the criminal ever say 'give me money', and even several times said 'don't transfer to me'. In the anti-fraud education everyone received before, it's repeatedly emphasized 'don't transfer to strangers', so criminals use this vigilance to give the victim a psychological suggestion of 'those who don't ask for transfers are likely not scammers'."

Nan Zhubin pointed to the last page of the PPT, "Even in the final transfer stage, the scammer repeatedly used smokescreens to subtly change the sequence of numbers the victim was entering."

"Until the final set of numbers was the correct bank account, correct target bank, correct amount, and also had the victim enter their payment password. And even then, the victim didn't realize they were transferring money."

The whispers among the students grew a bit louder.

Some students shivered, some muttered "it's terrifying", others felt "I won't be fooled".

No matter how they reacted.

At least, at this moment, everyone was listening to Nan Zhubin's lecture and absorbing the lecture content.

"And finally, the criminal's comprehensive [Contingency Planning]."

Nan Zhubin smiled, "At the beginning, the criminal determined the victim's financial situation, then precisely chose the later long-term grinding approach."

"At the end, they had the victim voluntarily state a bank name, then swiftly identified the corresponding bank card to complete the final transfer harvest."

Nan Zhubin spread his hands, "No matter what kind of person you are, there is a con-artist plan tailored to you."

...

Scanning the room, Nan Zhubin took in the reactions of the students below.

Whether they were scared, indifferent, or arrogant — it was all normal.

Without having personally experienced the environment, no one can predict how they would truly react.

In the process of learning, all reactions are possible.

Nan Zhubin cleared his throat to capture the attention of all the students.

His lecture was drawing to an end as well.

"Today I've shared with you this unconventional case and analyzed the linguistic principles of the criminals' methods word by word."

Nan Zhubin observed the varied reactions of the students.

"In truth, I know the education effect it can have… is present, but not very significant."

The whispering students couldn't help but stop their conversations and looked at Nan Zhubin in confusion.

The court staff, however, began to converse quietly.

Judge Chen furrowed his brows, "What is Teacher Nan… talking about?"