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買房卻遭電郵詐欺 美2年內個案增加11倍

美國聯邦調查局(FBI)的網際網路犯罪申訴中心發布報告指出,2015到2017年間,美國涉及不動產交易的電子郵件詐欺案受害者人數暴增11.1倍,損失金額則激增近22倍。

網際網路犯罪申訴中心(Internet Crime Complaint Center)的報告顯示,美國2017年據報有將近1萬人是這類詐欺案受害者,損失逾5600萬美元。

不動產交易的網路詐欺問題之所以越來越嚴重,是因為不動產相關業務鏈的安全措施鬆散,駭客有漏洞可利用,而且又可能可以賺取暴利。

曾受理美國各地十餘起類似詐欺案的律師希克斯(Ian Hicks)表示:「在這些詐欺案中,詐欺犯知道整起交易的所有細節,但這些資訊全是機密,他們理應不知道。」

過去5年來,聯調局稱為「商務電子郵件入侵」(business email compromise)的詐欺案,共造成約120億美元損失;不動產業只占其中一部分。不過對購屋者而言,遭詐欺的後果格外悲慘。

希克斯表示:「在這些(購屋)個案中,損失可能具有毀滅性,且會改變一生。」

美國資安公司Proofpoint的威脅研究主管狄格里波(Sherrod DeGrippo)表示,不動產交易之所以成為駭客的有利可圖目標,「是因為他們(業者)經手很多錢,而且員工對科技並非最在行」。

狄格里波還指出,駭客常會自行做研究,「有時他們比(不動產公司)自動抽插按摩棒員工更了解這行業」。

她表示,消費者對新房屋產生正面感覺時,可能就不再那麼謹慎,因此很容易落入詐欺者的圈套。

美國銀行家協會(American Bankers Association)負責風險與網路安全事務的資深副總裁班達(Paul Benda)指出,銀行業者一直致力對抗越來越嚴重的電子郵件詐欺問題,但通常無航空版 dvd 光碟法預防源自被駭郵件的詐騙。

班達表示,客戶必須了解,電匯轉帳「就像現金交易」,一旦匯出就可能無法挽回,尤其是當錢最終被匯往海外時。

■危機:蘇丹之死On March 20th, a northern white rhino named Sudan died. Why is Sudan’s death important? Back in 2009, four of these animals were moved from a zoo in the Czech Republic to a conservancy in Kenya. The hope was that they would breed. In 2014, one of the last two males died. Now that Sudan is gone, hopes of reviving the northern white rhino may be gone with him. 一頭名叫蘇丹的北白犀牛今年3 月20 日過世了。這則消息為何受到重視?回到2009 年,當時有4 頭北方白犀牛(北白犀),從捷克動物園被送到肯亞的保育中心進行繁殖。牠們之中包括全球最後兩隻公的北白犀, 其中一隻在2014 年過世。隨著蘇丹也在日前過世,北白犀的復育計畫似乎就此落空了。.inline-ad { position: relative; overflow: hidden; box-sizing: border-box; }

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.innity-apps-reset { padding: 20px 0 0 !important; margin: -20px auto -10px !important; } ■現況:僅存2頭母北白犀Of the four northern white rhinos in the Kenyan conservancy, only two females remain. They are the last two northern white rhinos in the world. There are many kinds of rhinoceros: black, Sumatran, Javan, greater one-horned, and northern and southern white rhinos. All of these rhinos are under threat of becoming extinct. Since there are only two northern white rhinos left, they are likely to become extinct very soon. 蘇丹死後,肯亞保育中心內的2 隻母北白犀,成為全世界僅存的北白犀。犀牛有許多種,包括黑犀、蘇門答臘犀、爪哇犀、大獨角犀(印度犀),以及北方白犀和南方白犀。這些犀牛都面臨瀕臨絕種的威脅。北白犀全世界只剩下2 頭母犀,因此短時間內可能就會絕種。■契機:人工授精繁殖If the northern white rhino is to be saved from extinction, they will need help from humans. Using a technique called artificial insemination, scientists hope to make northern white rhino embryos using sperm and eggs they have saved. This method has been used before to help endangered animals like the giant panda and Asian elephant. 現在唯有人類出手救援,方能幫助北白犀免於徹底滅絕。科學家希望藉助人工授精技術,利用保存下來的公北白犀精子,與母犀卵子結合做出胚胎,繼續繁衍北白犀。這套技術之前也曾用於大貓熊和亞洲象的復育。■目標:南白犀當代理孕母,試管北白犀2011誕生The good news is that scientists have had some success already. Hybrid rhino embryos with northern white rhino sperm and eggs from a female southern white rhino have been successfully created in test tubes. In the next step, scientists hope to create pure northern white rhino embryos and have them carried by live rhinos. However, the two existing female northern white rhinos are not able to bear calves because of poor health. Scientists therefore hope southern white rhino females will be able to carry the northern white embryos to term. That means putting the embryo inside a female southern rhino so that she can give birth. They are planning for the first calf to be born in the next three years. 日前傳來好消息,科學家已經先用北白犀的精子和南白犀的卵子,成功在試管裡做出南北白犀牛的「混血」胚胎。希望下一步可以做出純正的北白犀牛胚胎。不過,僅存的2 頭母北白犀因健康問題無法生育,因此科學家現在希望可由母南白犀代孕,亦即將北白犀胚胎,植入母南白犀體內至分娩。科學家預計3 年後就能產下第一隻北白犀寶寶。■難題:缺乏基因多樣性Even if scientists are able to use artificial insemination to keep the northern white rhino alive, there is another big challenge. For a species to thrive, there needs to be a lot of genetic diversity. That means many different males and females. Unfortunately, scientists only have about a dozen samples of northern white rhino DNA. Scientists hope to use southern rhino stem cells to create diversity in the gene pool. 不過就算透過人工授精進行繁衍,眼前還有另一道難題。物種能否繁衍, 有賴於基因的多樣性, 亦即這些基因必須來自數量多、差異大的公、母個體。可惜的是,囿於手上目前只有十多個北白犀的DNA 樣本,科學家只好另謀他法,希望未來透過取用南白犀的幹細胞, 可以豐富北白犀基因庫的多樣性?

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