The following instructions are for security education, network defense and public awareness purposes only and should not be used for illegal activities. Understanding how criminals operate can help companies and individuals strengthen their defenses and protect themselves from similar attacks. The following are some steps and strategies that criminal gangs often use when using phishing techniques to commit financial fraud, for reference in network security research and risk prevention and control: 1. Identify targets and collect information • Criminals usually first collect enough public information (such as social media, public websites or historical leaked data) to understand the background, behavior habits and potential vulnerabilities of the target group. • They may also obtain valid email addresses, phone numbers and other information through dark web markets in order to accurately target victims. 2. Design and implement deception strategies • Create simulated emails or text messages: Attackers will create messages that look similar to financial institutions, payment platforms or other authoritative institutions, imitating official language and logos. Emails often contain urgent prompts, such as "account abnormality" and "security update", to trick victims into clicking on links. • Build phishing websites: Use technical means to build counterfeit pages that are highly similar to real websites, imitating login interfaces, trading platforms, etc., so as to trick victims into entering key information such as account numbers, passwords, verification codes, and even dynamic passwords. • Using deceptive attachments or malicious links: Sometimes, in addition to phishing websites, email attachments may also contain malware that can collect data offline or establish remote control channels on the victim's device. 3. Analyze and use stolen information • Once the victim enters their sensitive information on the phishing page, the data will be sent to the attacker immediately. • The collected information may be organized manually or automatically, and criminals can use this data to directly initiate unauthorized fund transfers, credit card fraud or other financial operations, and may even be used to apply for loans, open accounts, etc. • To reduce the risk of being tracked, criminals usually use intermediary accounts or cross-border transfers to launder money. 4. Subsequent penetration and large-scale attacks • Sometimes, a successful phishing attack is only part of the entire operation. Attackers may use the information they have obtained to conduct larger-scale network intrusions, such as stealing internal corporate systems or reselling data. • In some cases, the attack organization will continue to track the target and attack the same group of victims multiple times to maximize illegal profits. 5. Use technology and social engineering • In addition to technical means, social engineering skills are also the key to success. Criminals may use current hot events or emergency announcements to create panic and guide victims to click links or download attachments without careful consideration. • At the same time, they will pay attention to changes in defense mechanisms and update fraud methods, making it difficult for existing detection and prevention systems to intercept in time. Summary: Phishing is essentially a fraud method that uses false information to establish trust. Criminal gangs gain victims' trust in fake pages by deeply understanding the target and constantly optimizing phishing emails and counterfeit pages, thereby stealing sensitive information. In order to deal with this threat, users and enterprises should be vigilant, adopt multi-factor authentication, strengthen the protection measures of email gateways, conduct regular network security training and update security policies in a timely manner. Once again, the above technical descriptions are only to reveal common methods of cybercrime, with the purpose of enhancing prevention awareness. Do not use them for any illegal activities. If you or your organization encounters similar problems, you should immediately contact professional network security agencies or law enforcement agencies to handle them.