Who would study psychology unless they had some issues?! Chapter 495 - 486: Identity Switching and the Sunk Cost of T

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 becos more focused.

[Scamr A: "Sorry, I’m really sorry... Please hold on a mont. 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.

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

The phone rings as the call is transferred.

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

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

Scamr B: "Alright, alright, hold on a mont... Mr. W, our backend has transferred your account here, and we need to verify your identity again. Can you give 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."

Scamr B: "Hold on... There’s no such record."

W: "How could it not exist?"

Scamr B: "It might be because it happened too long ago, and the backend updates in real-ti... Please wait, let check if there’s another verification thod... Do you have our PeachPay paynt tool linked?"

W: "I do, PayBao, WeStar."

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

W: "What’s the purpose of this?"

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

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

Scamr 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 custor service say it would affect my credit score, right?"]

At this point, so students couldn’t help but burst into laughter.

Nan Zhubin spent a mont 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 scamr 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 so rather blunt guidance."

"At the sa ti, 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 scamr 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 environnt 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.

[Scamr 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 ti."

W: "What should I do then?"

Scamr 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 troubleso. What if they say it’s a scam or sothing..."

W: "I can."

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

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

Scamr 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 becos increasingly anxious, starting to speak more aggressively, while Scamr B continues to communicate with W with a sense of impatience, restrained by professional requirents.

"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 ti Nan Zhubin switched a slide, it showed Mr. W completing a function under the scamr’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 scamrs 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 imdiately upon encountering soone slightly vigilant, without wasting ti."

"But that’s not the case."

Nan Zhubin rewound the PPT, starting from the slide where the scamr confird Mr. W’s PayBao functionality, replaying page by page the verbatim transcript.

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

"And due to high involvent and concentrated attention, victim W didn’t abandon because of ti passing; instead, he beca increasingly impatient."

"In general cases, scamrs 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 involvent, but not using money as the cost, but—[ti]."

Nan Zhubin tapped the projector: "Only now do the criminals attempt for the first ti 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.

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

Scamr 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 ssage."]