小心詐騙就在你身邊，全世界主要的詐騙手段。

世界上的主要詐騙類型多種多樣，犯罪分子不斷改進和發展新的手法。以下是一些世界上主要的詐騙類型：

電話詐騙：包括冒充政府官員、員警、銀行或慈善機構工作人員，要求提供個人資訊或匯款，或聲稱涉及法律問題。台灣的詐騙集團都會裝成親朋好友或是檢察官等，要求民眾匯款後才能營救家人或是從官司中脫身。

網路詐騙：包括虛假網購、虛假拍賣、電子郵件詐騙、社交工程攻擊、惡意軟體和網路釣魚（Phishing）。很多都是透過中毒軟體取得公司或是個人資料，然後要求受害者支付比特幣，否則會銷毀所有的檔案。

投資詐騙：這些包括龐氏騙局、虛假的投資機會和金字塔騙局，通常涉及向受害人承諾高回報，然後消失。直到現在台灣仍有許多非法吸金的模式，騙被害人每年投資報酬很穩定，但是這些錢卻都進詐騙成員的口袋。現在的方式更精進，許多人都用LINE來鼓吹投資人加入後匯款。

愛情詐騙：犯罪分子通過虛假身份建立感情關係，然後要求金錢，通常發生在線上約會平臺上。很多人都用假照片騙錢，新聞就有報導醜胖妹用假照片叫竹科工程師匯款兩百多萬台幣，台灣女生被非洲人用美國型男的照片詐騙所有積蓄。

有部分的女生透過直播平台，假裝要嫁給打賞的金主，取得大筆金錢後否認結婚事宜，用愛情為由的詐騙很多都被判無罪。酒店也會叫所謂的剝皮妹假裝愛上客戶後要求支付高額酒錢。

洗錢：犯罪分子試圖掩蓋非法收入的來源，通常通過合法機構進行一系列金融交易來清洗資金。透過詐騙別人的戶頭跟身分證來將黑錢洗乾淨，近年最流行的是比特幣交易。

健康保健詐騙：包括虛假藥物銷售、假醫生和醫療保險欺詐。很多佯稱可以幫家屬排到好的醫生進行開刀或是買到便宜藥。

社交安全詐騙：通過社交工程技術，犯罪分子試圖獲取個人資訊，然後用於其他欺詐行為。取得他人資訊後進行貸款或是展開犯罪行為例如詐騙點數。

彩票和獎金詐騙：受害人被告知贏得大筆獎金或彩票，但需要先支付一定金額的費用來獲取獎金。許多民眾應該都收過獲獎通知，早期還有許多人告知可以買香港賽馬的名牌賺錢，需知道如果這麼好賺，怎可能肥水流落外人田。

金融詐騙：包括信用卡欺詐、銀行帳戶欺詐、支票欺詐和股票市場欺詐。台灣現在有一些人騙大陸人可以很快在美國上市跟買殼，取得巨額資金後消失不見或是將所有責任都推給美國或其他單位。

租房和住房詐騙：虛假租賃廣告、押金欺詐和假房產交易。近期有些惡劣的房東一屋多租，然後蓄意詐騙房客租金還不退還押金。

身份盜竊：犯罪分子盜取個人身份資訊，然後用於開設新帳戶、貸款欺詐和其他欺詐行為。

這些只是一些主要的詐騙類型，還有很多其他變種和新型的欺詐出現。防範詐騙的最佳方法是保持警惕，不輕易相信陌生人，謹慎處理個人資訊，及時報警並與當局合作，以便打擊犯罪活動。

當面對不同類型的詐騙時，以下是一些通用的防範措施，可以保護自己：

保持警惕：保持警惕是最基本的防範措施。不要盲目相信陌生人或未經驗證的資訊。如果某個交易或機會看起來太好，可能是詐騙。

驗證身份：如果有人聲稱是政府官員、員警、銀行工作人員或其他權威人員，要求提供個人資訊或支付款項，務必驗證他們的身份。不要使用提供的聯繫方式，而是自行查找官方聯繫資訊並確認。

保護個人資訊：不要隨意透露個人資訊，特別是身份證號、銀行帳戶資訊、信用卡號和社交安全號等敏感資訊。定期監控銀行和信用卡帳戶以檢測任何不正常的活動。

教育自己：瞭解不同類型的詐騙，通過政府部門、消費者保護機構和員警部門提供的資訊和建議來學習如何防範詐騙。

謹慎線上：謹慎打開電子郵件、連結和附件，特別是來自不熟悉的寄件者。確保電腦和移動設備安裝最新的安全軟體和防毒程式。

不要急於決策：當面對投資、購買或其他金錢交易時，不要感到被迫趕快做出決策。給自己足夠的時間來研究和評估，以確定交易的合法性。

與家人和朋友討論：分享有關詐騙的資訊和經驗，以説明他人避免受騙。

報警和合作：如果成為詐騙目標或受害者，應立即報警，並與執法部門合作，提供任何可能有助於調查的資訊。

台灣的詐騙非常嚴重，主要就是執法力不彰，抓到也不會被重判，大家只能自求多福。在金融業上班也要特別小心同事報的股票，很多都是自己套牢後叫同事去拉抬，然後虧損轉嫁出去。

"Be cautious of scams happening around you – the world's major scam methods."

Types of Scams Worldwide and Preventive Measures

There are various types of scams worldwide, and criminals continually evolve and develop new methods. Here are some major types of scams globally:

Phone Scams:

Description: Impersonation of government officials, police, bank staff, or charity workers, requesting personal information or money transfers.

Example: In Taiwan, scam groups often pose as friends or prosecutors, urging people to transfer money for family rescue or legal issues.

Online Scams:

Description: Includes false online shopping, fake auctions, email scams, social engineering attacks, malicious software, and phishing.

Example: Cybercriminals use malware to obtain personal or company information and demand bitcoin payments, threatening to destroy files.

Investment Scams:

Description: Involves Ponzi schemes, false investment opportunities, and pyramid schemes, promising high returns and then disappearing.

Example: In Taiwan, illegal investment schemes promise stable annual returns, diverting funds into scammers' pockets. Some use LINE to promote investments.

Romance Scams:

Description: Criminals establish fake relationships online and then request money.

Example: People use fake photos to deceive victims; instances include an overweight woman using false photos to scam an engineer in Taiwan.

Love-for-Profit Scams:

Description: Individuals pretend to marry a benefactor through live streaming, obtaining substantial sums and then denying any marital commitment.

Example: Hotels hire "peeling girls" to feign affection for customers, then demand high fees under the pretext of love.

Money Laundering:

Description: Criminals attempt to conceal the source of illegal income through a series of financial transactions, including Bitcoin trades.

Example: Using others' accounts and IDs, criminals launder illicit funds; Bitcoin transactions have become increasingly popular.

Healthcare Scams:

Description: Involves selling fake medicines, fake doctors, and healthcare insurance fraud.

Example: Fraudulent claims of arranging surgeries with reputable doctors or obtaining cheap medication.

Social Security Scams:

Description: Criminals use social engineering techniques to obtain personal information for further fraud.

Example: Obtaining someone's information and using it for crimes such as loan fraud.

Lottery and Prize Scams:

Description: Victims are informed of winning a large prize or lottery but must pay a fee to claim it.

Example: Many receive fake winning notifications; early scams involved promoting Hong Kong horse racing cards.

Financial Scams:

Description: Includes credit card fraud, bank account fraud, check fraud, and stock market fraud.

Example: Individuals in Taiwan deceive mainland Chinese into thinking they can quickly go public in the U.S., shifting responsibility when losses occur.

Rental and Housing Scams:

Description: Fake rental advertisements, deposit fraud, and fraudulent real estate transactions.

Example: Unscrupulous landlords renting to multiple tenants and intentionally defrauding them of rent and deposits.

Identity Theft:

Description: Criminals steal personal information for fraudulent activities.

Example: Obtaining someone's information and applying for loans or engaging in other criminal activities.

These are just some major scam types, and many other variations and new scams emerge. The best preventive measures include staying vigilant, verifying identities, protecting personal information, educating oneself about scams, being cautious online, avoiding hasty decisions, discussing scams with friends and family, and promptly reporting and cooperating with law enforcement when targeted. In Taiwan, where scams are prevalent, individuals must exercise caution, especially in the financial industry, where colleagues may promote dubious stock information.