谎言时间轴 The Lies Timeline
- Aug 26, 2025
- 11 min read
Updated: Aug 28, 2025
一场股票梦（1720年）A Stock Market Dream
18世纪的英国，有一家叫“南海公司”的企业，说自己要大力发展美洲的海上贸易，结果把大家都忽悠得热情高涨，纷纷去投资。公司不停炒作股票、吹嘘前景，还贿赂政客，营造出一副特别繁荣的假象。股价一路狂飙，但很快就崩盘了，很多人血本无归，甚至家破人亡。这场大骗局后来被叫做“南海泡沫”，成了金融史上非常经典的一次教训。
In 18th-century Britain, the South Sea Company promised to develop American maritime trade, sparking a nationwide investment frenzy. The company exaggerated prospects, engaged in stock speculation, and bribed politicians, creating a false sense of prosperity. When stock prices crashed, investors suffered huge losses. Many families went bankrupt. This scam later became known as the 'South Sea Bubble' and remains a classic lesson in financial history.
喂，你涉嫌洗黑钱！（1837）
Hey, You’re Suspected of Money Laundering!
首起有记录的电信诈骗案发生在 19世纪30年代的法国。当时，交易员弗朗索瓦和约瑟夫·布兰克贿赂了一名光学电报信号员，通过特殊信号提前获取股市信息并获利。由于当时没有法律制裁，他们逍遥法外。这标志着诈骗开始利用通信技术进行。
2000年代以后，电信诈骗就从美国一路蔓延到了亚洲，中国、台湾、马来西亚都成了重灾区。骗子的方法也越来越多样，喜欢冒充政府部门、银行或物流公司，通过电话、短信甚至网络来下套，慢慢演变成全球性的跨国犯罪。
进入21世纪，诈骗手法更精细了。比如电话诈骗，骗子常冒充银行职员、国家银行甚至警察，说你的账户被盗用、涉嫌洗黑钱，要你配合调查。受害者一步步被“转接”到不同的“部门”，被要求提供个人资料，甚至转账来“核查”。这些骗局都有详细脚本和专业术语，听起来特别真实，很多人直到账户被清空才发现上当了。
The first recorded telecommunications fraud case occurred in France in the 1837s. At that time, traders François and Joseph Blanc bribed an optical telegraph signalman. By using special signals, they were able to get stock market information ahead of time and profit from it. Since there were no laws to punish them at the time, they got away with it. This marked the beginning of fraud using communications technology.
After the 2000s, telecommunications fraud spread from the U.S. all the way to Asia, with China, Taiwan, and Malaysia becoming major hotspots. Scammers' methods also became more diverse, often impersonating government departments, banks, or logistics companies, and using phones, text messages, or even the internet to set traps. This slowly evolved into a global, transnational crime.
In the 21st century, fraud techniques have become even more sophisticated. For example, in phone scams, fraudsters often impersonate bank employees, the central bank, or even the police. They might claim your account has been compromised or that you're involved in money laundering, and ask you to cooperate with an investigation. Victims are then "transferred" to different "departments," asked to provide personal information, and even to transfer money for "verification." These scams have detailed scripts and professional jargon, making them sound very real, and many people don't realize they've been conned until their accounts are completely drained.
月赚50%利息的美梦（1920年）
The Dream of 50% Monthly Returns
意大利裔美国人查尔斯·庞兹，打着“邮票套利”的幌子，说自己能给投资者每个月高达50%的回报。实际上，他是用后来投资者的钱去给前面的人发“利润”，装出一副大家都在赚钱的样子。结果呢，全美国成千上万的人都把钱投了进去。可没多久，这个像搭金字塔一样的骗局就彻底垮了。庞兹被逮捕，从此“庞氏骗局”成了这种诈骗手法的代名词，直到现在，全球还有不少犯罪集团在用这一套。
Italian-American Charles Ponzi promised a monthly interest rate of 50% through an international reply coupon scheme. He used money from new investors to pay 'profits' to earlier investors, creating an illusion of profitability. Thousands of Americans invested, but the pyramid scheme quickly collapsed. Ponzi was arrested, and the term 'Ponzi scheme' became the global name for such frauds.
月入过万出国打工？（1980年）
Earn Over 10,000 a Month Working Abroad?
这类骗局的核心始于 1980年代末，一开始是从台湾开始的。当时一些不法中介利用人们日益增长的出国打工赚高薪的渴望。他们以“高薪海外工作”为诱饵，骗取高额中介费，并扣押受害者的护照。
到了 2000年代，这些骗局变得更加复杂。 2015年之后，它们与网络招聘和社交媒体平台全面结合，演变成一条完整的跨国诈骗产业链。
从 2021年开始，情况变得尤为令人担忧，柬埔寨和缅甸等地频繁曝出所谓的“诈骗园区”事件。这些海外高薪工作骗局已成为东南亚地区最严重的现代奴役形式之一。
诈骗集团通常会在网上发布极具诱惑力的招聘广告，承诺“IT客服”或“物流专员”等职位的薪水高得离谱。一旦有人上钩，他们就会以办理签证、体检等名义收取费用。
更糟糕的是，当受害者被骗到柬埔寨和缅甸等国家后，他们的护照会被没收，行动自由受到限制，并被迫从事网络诈骗活动。他们几乎无法轻易逃脱，陷入了被剥削的循环之中。
These scams originated in Taiwan in the late 1980s. At the time, unscrupulous intermediaries exploited people's growing desire to work abroad for high wages. They lured individuals with promises of "high-paying overseas jobs," fraudulently collected exorbitant fees, and seized their passports.
By the 2000s, these scams became more sophisticated. After 2015, they fully integrated with online recruitment and social media platforms, evolving into a complete cross-border fraud industry.
The situation grew particularly alarming from 2021 onwards, with frequent reports of so-called "scam parks" emerging in places like Cambodia and Myanmar. These high-paying overseas job scams have since become one of the most severe forms of modern slavery in Southeast Asia.
Scam groups typically post highly enticing job advertisements online, promising incredibly high salaries for roles like "IT customer service" or "logistics specialist." Once a person is hooked, they are charged fees for things like visa processing and health checks.
The situation worsens significantly when victims are deceived into traveling to countries such as Cambodia and Myanmar. Their passports are confiscated, their freedom of movement is restricted, and they are forced to engage in online fraud. Escaping becomes nearly impossible, trapping them in a cycle of exploitation.
黄金承诺,空空口袋（1995）
Promises of Gold, Pockets of Empty
19世纪末在欧洲盛行的「西班牙囚犯」骗局，是最早的“前期付款诈骗”雏形：骗子声称有一位富有囚犯愿意支付巨额酬金，只要受害者先帮忙垫付一笔打点费用，就能获得巨额回报。
进入网络时代，这类骗局演变为全球闻名的「奈及利亚王子信」：骗子摇身一变成了“王子、外交官或富豪继承人”，以巨额遗产或投资回报为诱饵，要求受害者先支付“手续费”或“税费”，承诺未来返还十倍百倍的资金。
到了1990年代后期到2000年代，这种“先付款、后受益”的逻辑又被套用在各种快速贷款广告中，成为电话与网络金融诈骗的常见形式。骗子声称低利率、免担保、快速放贷，但受害者一旦联系就会被要求先交手续费、认证费、税费，甚至“解锁费”。很多人越陷越深，前期钱一笔笔付出去，贷款却永远拿不到，最后连骗子也消失无踪。
从「西班牙囚犯」到「奈及利亚王子」，再到现代的快速贷款骗局，套路始终如一：先用巨额回报诱惑，再以各种理由骗取前期付款。
The ‘Spanish Prisoner’ scam, which was prevalent in Europe at the end of the 19th century, was one of the earliest forms of ‘advance fee fraud’: scammers claimed that a wealthy prisoner was willing to pay a huge reward, but only if the victim first paid a sum of money to cover expenses, promising a huge return in return.
In the digital age, this scam evolved into the globally infamous ‘Nigerian Prince Scam’: scammers transformed themselves into ‘princes, diplomats, or wealthy heirs,’ using the lure of massive inheritances or investment returns to demand victims pay ‘processing fees’ or ‘taxes,’ promising to return ten or even a hundred times the amount in the future.
By the late 1990s to the 2000s, this ‘pay first, benefit later’ logic was applied to various quick loan advertisements, becoming a common form of telephone and online financial fraud. Scammers claim low interest rates, no collateral, and quick loans, but once victims contact them, they are required to pay processing fees, verification fees, taxes, or even ‘unlocking fees.’ Many people became increasingly entangled, paying out money in installments upfront but never receiving the loan, only to find the scammers had vanished without a trace.
From the ‘Spanish Prisoner’ to the ‘Nigerian Prince’ scam, and on to modern quick loan scams, the modus operandi remains consistent: first lure victims with promises of massive returns, then use various excuses to extract upfront payments.
你还在点,他们还在钓（1996）
Still Clicking? They re Still Fishing
最早在 1996 年代，一群黑客在 AOL（美国在线）聊天室里，假扮成“AOL 员工”，骗用户交出密码，这就是“钓鱼”的起源。进入 21 世纪，随着互联网购物普及，骗子们也升级了，他们开始伪造银行、PayPal 等网站，目的从偷账户变成了直接偷钱。到了现在，网络钓鱼的手段变得越来越高明、越来越难防：他们不只用邮件，还会用短信和电话（Smishing 和 Vishing）；攻击对象也从个人升级到企业，比如冒充老板要求转账的 “CEO 诈骗”；甚至，很多勒索病毒都是通过钓鱼邮件传播的。为了让你上当，他们会伪造安全的 HTTPS 链接，或者利用社会热点来设计骗局。
"Phishing" originated in the 1996s when hackers in AOL chat rooms impersonated "AOL employees" to trick users into revealing their passwords. In the 21st century, as online shopping became popular, scammers evolved their tactics from stealing accounts to directly stealing money by creating fake banking and PayPal websites. Today, phishing methods are more sophisticated and harder to detect. They no longer just use email but also target people through text messages (smishing) and phone calls (vishing). The targets have expanded from individuals to companies, with "CEO fraud" where scammers impersonate a boss to demand a money transfer. Many ransomware attacks are even spread through phishing emails. To deceive you, they'll create fake but secure-looking HTTPS links or use current events to make their scams more convincing.
随手下载，骗走你一生积蓄（2007）
Download it on a whim, and lose all your savings.
假 APP 诈骗最早可追溯到 2007 年智能手机兴起时期，当时主要通过仿冒游戏或工具类应用、以短信或论坛链接诱导用户下载，从而窃取话费或个人信息。随着 2011–2014 年智能手机和移动支付普及，假 APP 开始模仿银行、购物和支付应用，出现了首批金融诈骗案例。到 2015–2019 年，随着网络贷款与加密货币投资兴起，假 APP 演变为高度仿真的理财、贷款和投资平台，常通过社交媒体或陌生链接诱骗用户充值或缴纳保证金。2020 年以来，诈骗技术进一步升级，利用“马甲包”和“热更新”隐藏恶意程序，甚至混入正规应用商店，被广泛用于杀猪盘、刷单和博彩等多类型诈骗，隐蔽性和危害性显著增强。
Fake app scams can be traced back to the rise of smartphones in 2007, when they primarily targeted users by mimicking game or utility apps and luring them into downloading through SMS messages or forum links, thereby stealing phone credits or personal information. With the widespread adoption of smartphones and mobile payments between 2011 and 2014, fake apps began imitating banking, shopping, and payment apps, leading to the first cases of financial fraud. By 2015–2019, with the rise of online lending and cryptocurrency investments, fake apps evolved into highly realistic financial management, lending, and investment platforms, often luring users through social media or unknown links to make deposits or pay guarantees. Since 2020, fraud techniques have further evolved, using ‘clone apps’ and ‘hot updates’ to hide malicious programs, even infiltrating legitimate app stores. These techniques are widely used in various types of fraud, including ‘pig butchering’ scams, order-padding schemes, and gambling fraud, significantly increasing their stealth and harmfulness.
你朋友换号码了？（2017 ） Has Your Friend Changed Their Number?
人工智能技术（deepfake）伪造人物的音视频，以冒充真实身份进行诈骗。
首起有记录的案例发生在 2017 年。诈骗者利用深度伪造技术，模仿一家欧洲公司首席执行官（CEO）的声音，成功指示英国一家分公司的负责人转账22万英镑，这笔款项随后被迅速转移并难以追查。
此案以及后续在迪拜发生的价值3500万美元的盗窃案，均突显了身份验证和二次审批在企业运营中的关键性。随着技术的持续发展，深度伪造很可能会催生出更多基于人工智能的身份欺诈和生物识别骗局。因此，企业和个人都必须提高警惕，不能再仅凭声音或视频来验证信息的真实性。
Deepfake technology, which uses artificial intelligence to create fake audio and video, is a growing cybersecurity threat used to impersonate real individuals for fraud.
The first recorded deepfake case occurred in 2017, when fraudsters mimicked the voice of a European company's CEO. They successfully instructed an employee at a UK division to transfer £220,000, which was quickly moved to untraceable accounts.
This incident, along with a later $35 million heist in Dubai, highlights the critical importance of identity verification and secondary approvals within organizations. As this technology continues to advance, it is likely to fuel more AI-based identity fraud and biometric scams. Therefore, both companies and individuals must remain vigilant and not rely solely on what they see or hear to verify authenticity.
Source:https://www.qld.gov.au/community/your-home-community/cyber-security/cyber-security-for-queenslanders/case-studies/deepfake-scams
恋爱骗局中的养猪术 (2019)
Pig-Butchering in Romance Scams
一种源自中国、约于 2019 年兴起的网络诈骗手法，因骗子先“养肥”受害者再“宰杀”而得名。诈骗者通常通过陌生短信、社交媒体或约会平台主动接触受害者，伪装成友善或恋爱对象，长期培养信任后，引导其在虚假的加密货币或投资平台投入资金。受害者往往先获得少量虚假收益，被鼓励追加投资，直至投入巨额资金时，骗子关闭平台或失联，导致受害者血本无归。
A type of online fraud originating in China that emerged around 2019, named for the scammers' practice of first ‘fattening up’ their victims before ‘slaughtering’ them. Scammers typically initiate contact with victims through unsolicited text messages, social media, or dating platforms, posing as friendly acquaintances or romantic partners. After building trust over time, they guide victims into investing funds in fake cryptocurrency or investment platforms. Victims often receive small amounts of fake returns initially, encouraging them to invest more. Eventually, when they invest large sums of money, the scammers shut down the platform or go offline, leaving victims to lose all their investments.
停车罚单真还是假？(2022)
Is the Parking Ticket Real or Fake?
从2022年中开始，马来西亚各地陆续出现了一种新型骗局：假停车罚单。骗子会在你的车挡风玻璃上放一张做得非常逼真的罚单，上面印着“JPJ”“市政厅”或者“执法单位”的标志，还标注了车牌号和违规时间。最醒目的位置就是一个写着“快速缴费”的二维码。
很多人看到罚单就直接扫码，结果被引导到钓鱼网站，要你输入银行卡资料和 OTP 验证码来“缴费”。到了 2024 年，骗子手法更升级了，除了仿真网页，还会配合 AI 语音客服，诱导你继续付款“解锁账户”。不少受害者被连环套走几百到几千令吉，才发现上当。
马来西亚皇家警察（PDRM）在 2023 年就警告过：官方罚单不会要求你扫码缴费，正确做法是通过 MyBayar 或市议会官网查验。媒体还报道过，一个柔佛司机在 2025 年因为扫了假罚单的二维码，短短几分钟就被盗刷了 RM3,000。
Since mid-2022, a new type of scam has been emerging across various parts of Malaysia: scammers forge fake parking tickets and place them on the windshields of victims’ vehicles. These fake tickets are highly convincing, often bearing logos of agencies like "JPJ", "City Council", or "Enforcement Unit", and even include details such as the violation time and the car’s license plate number. The most prominent feature is a QR code claiming to offer a "quick payment" option.
Once scanned, the QR code directs users to a phishing website that prompts them to enter their bank card details and OTP verification code for payment. By 2024, scammers began using realistic fake websites and even AI-generated voice customer service to further deceive victims into "completing payment to unlock their account." Many victims only realized the truth after losing hundreds or even thousands of ringgit.
In 2023, the Royal Malaysia Police (PDRM) issued a warning stating that official parking tickets will never request QR code payments. Instead, verification should be done via MyBayar or local municipal websites. Media reports also revealed a case in 2025 where a driver from Johor lost RM3,000 within minutes after scanning a fake parking ticket.
Source:https://inreallife.my/qr-code-was-fake-msian-man-loses-rm3000-to-parking-fine-scam-in-johor-bahru/
Source:https://inreallife.my/qr-code-was-fake-msian-man-loses-rm3000-to-parking-fine-scam-in-johor-bahru/
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