在中國近期流傳著一則警訊，指出有兩款名為「抖音會議」與「銀聯會議」的應用程式實際上是詐騙軟體。雖然這兩個App在名稱上看似與合法知名品牌有關聯，例如抖音（TikTok中國版）與中國銀聯，但實際上，它們並非由這些官方機構所推出，而是被不法分子冒名製作，利用使用者對品牌的信任來進行詐騙活動。

根據受害者的描述，這兩款App通常會以工作邀約、兼職刷單、遠端會議等名義作為誘因，吸引用戶點擊下載。下載後，App會要求輸入個人資料，甚至引導受害者進行「測試支付」或「身份驗證」。一旦用戶提供銀行卡資訊或綁定第三方支付工具，詐騙集團便可在背後竊取資金，甚至控制手機進行遠程操作。有部分案例更顯示，這些App內含木馬程式，能夠在未經允許的情況下讀取聯絡人、簡訊、甚至竊聽通話。

除「抖音會議」與「銀聯會議」，近年來在中國（尤其是非官方應用平台上）還出現過許多類似的詐騙App，這些程式大多偽裝成金融機構、政府機構或知名企業的工具軟體。例如，有假冒「中國國家反詐中心」的App，誘使用戶填寫「涉詐查詢」的個人資料；也有假借「微信安全中心」、「支付寶風控中心」等名義來發送安全警告，引導下載釣魚軟體。一些則是假冒物流平台、招聘網站、投資理財App，甚至是虛構的電商平臺，讓使用者誤信其為官方合作方。

這類詐騙App常見的傳播方式包含：在微信群、QQ群裡發佈誘導訊息；透過微信或短信發送帶有下載連結的消息；在非正規的應用下載網站（例如盜版軟體站、論壇）上提供安裝包下載。使用者若沒有特別留意，就很容易落入陷阱。

要防範這類詐騙，最基本的原則是：絕不從非官方渠道下載App，所有與金融、身份驗證、工作邀約相關的應用程式，都應該透過官方應用商店（如蘋果App Store、安卓應用市場、小米/華為/OPPO官方商店）下載。同時，如果有App名稱與知名機構極度相似，但無法在正規渠道中找到，很可能就是假冒品。此外，政府機構與大公司一般不會以第三方App形式進行溝通或付款，遇到要下載App「開會」、「驗證」的情況，務必保持警覺。目前中國公安機關與「國家反詐中心」也持續在打擊相關詐騙App的散布，民眾也可以下載由公安機關推出的正版「國家反詐中心App」來識別可疑軟體並舉報。

總結來說，「抖音會議」與「銀聯會議」這兩款App並非來自任何官方機構，而是利用信任進行詐騙的工具。使用者切勿下載安裝，若已安裝並輸入敏感資料，應立即報案、解除金融綁定，並重新設定相關密碼。更重要的是，將此訊息轉告給家人與朋友，特別是年長者或不熟悉手機操作的人，以免成為詐騙集團的下一個目標。

Recently, a warning has been circulating in China about two mobile applications named "Douyin Meeting" and "UnionPay Meeting", which have been identified as scam apps. Although their names suggest affiliation with legitimate and well-known brands—Douyin (the Chinese version of TikTok) and China UnionPay—these apps are not officially developed by those companies. Instead, they are fraudulent applications created by criminals who exploit the public’s trust in these brands to carry out scams.

According to reports from victims, these apps are typically promoted under the guise of job offers, part-time tasks (such as paid online "order brushing"), or remote meetings to entice users to download them. Once installed, the apps prompt users to input personal information and may even instruct them to perform "test payments" or "identity verification." If users provide bank card details or link third-party payment accounts, the scammers can then steal funds in the background—or even remotely control the victim’s phone. In some cases, the apps have been found to contain Trojan viruses, enabling them to access contacts, text messages, and even eavesdrop on phone calls without user consent.

Beyond "Douyin Meeting" and "UnionPay Meeting," numerous similar scam apps have emerged in China in recent years—particularly on unofficial app platforms. Many of these malicious apps impersonate financial institutions, government agencies, or well-known companies. For example, some fake apps claim to be from the National Anti-Fraud Center, tricking users into providing personal details under the pretense of "fraud investigation." Others impersonate services like the WeChat Security Center or Alipay Risk Control Department, sending fake security alerts that direct users to download phishing software. There are also counterfeit versions of logistics platforms, job recruitment apps, investment platforms, and even entirely fabricated e-commerce services, all designed to mislead users into believing they are official partners.

These scam apps are often spread through WeChat groups, QQ groups, or SMS messages containing download links. Some are hosted on unauthorized websites, such as pirated software platforms or online forums. Users who are not particularly vigilant can easily fall victim.

To prevent falling for such scams, the most fundamental rule is to never download apps from unofficial sources. Any app related to finance, identity verification, or job recruitment should be downloaded only from official app stores such as the Apple App Store, Google Play Store, or the official marketplaces of Xiaomi, Huawei, or OPPO. Additionally, if an app name appears very similar to a well-known organization but cannot be found in official stores, it is most likely a fake. Government agencies and major companies generally do not require users to install third-party apps for communication or transactions. If you are asked to download an app for a "meeting" or "verification," you should treat it with extreme caution.

China’s Public Security Bureau and the National Anti-Fraud Center continue to crack down on the spread of such fraudulent apps. Citizens are also encouraged to install the official National Anti-Fraud Center App, developed by law enforcement, which can help identify suspicious apps and report them.

In conclusion, "Douyin Meeting" and "UnionPay Meeting" are not affiliated with any legitimate organization. They are tools designed to exploit user trust for fraudulent purposes. Do not download or install these apps. If you have already installed one and submitted sensitive information, you should report it to the police immediately, unlink any connected financial accounts, and change all related passwords. Most importantly, share this warning with family and friends, especially elderly individuals or those less familiar with mobile technology, to prevent them from becoming the next targets of these scams.