In another example, criminals have used ploys such as claiming to issue tax refunds or distribute lottery prize money to lure potential victims. Experts suggest that financial institutions adopt a one-workday delay whenever a depositor transfers money into an account for the first time, so as to give them sufficient time to cancel potentially risky transactions.
其次，鑑於歹徒常假借退稅、中獎等名目誘騙消費者，學者建議，存款戶頭首次匯款轉帳至從未往來的帳戶時，一律留置一個營業日再執行，讓受害者有足夠時間取消不該有的匯款轉帳，以減少金融犯罪的發生。