{"id":47992,"date":"2026-06-05T04:21:54","date_gmt":"2026-06-04T21:21:54","guid":{"rendered":"https:\/\/antoanthongtinhaiphong.gov.vn\/?p=47992"},"modified":"2026-06-10T04:22:37","modified_gmt":"2026-06-09T21:22:37","slug":"su-troi-day-cua-mo-hinh-toi-pham-hoa-dich-vu-rua-tien-tren-telegram","status":"publish","type":"post","link":"https:\/\/antoanthongtinhaiphong.gov.vn\/su-troi-day-cua-mo-hinh-toi-pham-hoa-dich-vu-rua-tien-tren-telegram\/","title":{"rendered":"S\u1ef1 tr\u1ed7i d\u1eady c\u1ee7a m\u00f4 h\u00ecnh t\u1ed9i ph\u1ea1m h\u00f3a d\u1ecbch v\u1ee5 r\u1eeda ti\u1ec1n tr\u00ean Telegram"},"content":{"rendered":"
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<\/i>\u00a0Thanh B\u00ecnh<\/a><\/div>\n<\/div>\n

Vi\u1ec7c s\u1edf h\u1eefu m\u1ed9t t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng “s\u1ea1ch” \u0111\u1ec3 r\u1eeda ti\u1ec1n b\u1ea5t ch\u00ednh gi\u1edd \u0111\u00e2y \u0111\u00e3 kh\u00f4ng c\u00f2n l\u00e0 c\u00f4ng vi\u1ec7c th\u1ee7 c\u00f4ng c\u1ee7a nh\u1eefng k\u1ebb m\u00f4i gi\u1edbi truy\u1ec1n th\u1ed1ng. Ch\u1ec9 v\u1edbi v\u00e0i c\u00fa click chu\u1ed9t tr\u00ean Telegram, b\u1ea5t k\u1ef3 ai c\u0169ng c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn m\u1ed9t “gian h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1” b\u00e0y b\u00e1n c\u00f4ng khai c\u00e1c danh t\u00ednh b\u1ecb \u0111\u00e1nh c\u1eafp. Telegram t\u1eeb m\u1ed9t \u1ee9ng d\u1ee5ng nh\u1eafn tin b\u1ea3o m\u1eadt, \u0111\u00e3 b\u1ecb bi\u1ebfn t\u01b0\u1edbng th\u00e0nh m\u1ed9t t\u1ed5 h\u1ee3p ch\u1ee3 \u0111en, n\u01a1i t\u1ed9i ph\u1ea1m t\u00e0i ch\u00ednh v\u1eadn h\u00e0nh v\u1edbi s\u1ef1 chuy\u00ean nghi\u1ec7p \u0111\u00e1ng kinh ng\u1ea1c v\u00e0 s\u1ef1 ti\u1ebfp tay \u0111\u1eafc l\u1ef1c c\u1ee7a tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI).<\/p>\n

<\/p>\n

Theo b\u00e1o c\u00e1o m\u1edbi nh\u1ea5t t\u1eeb Trung t\u00e2m T\u00ecnh b\u00e1o An ninh m\u1ea1ng KELA, th\u1ecb tr\u01b0\u1eddng t\u00e0i kho\u1ea3n \u201cmule” (t\u00e0i kho\u1ea3n trung gian hay t\u00e0i kho\u1ea3n r\u00e1c) \u0111\u00e3 ti\u1ebfn h\u00f3a th\u00e0nh m\u00f4 h\u00ecnh\u00a0Mule-as-a-Service (MaaS). \u0110\u00e2y kh\u00f4ng c\u00f2n l\u00e0 c\u00e1c giao d\u1ecbch t\u1ef1 ph\u00e1t, ch\u00fang l\u00e0 nh\u1eefng m\u00f4 h\u00ecnh\u00a0t\u1ed9i ph\u1ea1m t\u00e0i ch\u00ednh<\/a>\u00a0c\u00f3 c\u1ea5u tr\u00fac ho\u00e0n ch\u1ec9nh.<\/p>\n

Ng\u01b0\u1eddi mua c\u00f3 th\u1ec3 duy\u1ec7t qua danh m\u1ee5c h\u00e0ng h\u00f3a nh\u01b0 \u0111ang tr\u00ean m\u1ed9t s\u00e0n mua b\u00e1n \u0111i\u1ec7n t\u1eed, v\u1edbi c\u00e1c \u0111\u1eb7c \u0111i\u1ec3m nh\u01b0:<\/p>\n

– Kho h\u00e0ng \u0111a d\u1ea1ng:\u00a0T\u1eeb t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng, v\u00ed \u0111i\u1ec7n t\u1eed\u00a0Fintech<\/a>\u00a0\u0111\u1ebfn c\u00e1c t\u00e0i kho\u1ea3n s\u00e0n giao d\u1ecbch ti\u1ec1n \u0111i\u1ec7n t\u1eed \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c th\u1ef1c (KYC).<\/p>\n

– Ph\u00e2n c\u1ea5p gi\u00e1 tr\u1ecb:\u00a0Gi\u00e1 c\u1ea3 \u0111\u01b0\u1ee3c ni\u00eam y\u1ebft r\u00f5 r\u00e0ng d\u1ef1a tr\u00ean h\u1ea1n m\u1ee9c giao d\u1ecbch, lo\u1ea1i ng\u00e2n h\u00e0ng v\u00e0 \u0111\u1ed9 uy t\u00edn c\u1ee7a t\u00e0i li\u1ec7u \u0111i k\u00e8m.<\/p>\n

– H\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng chuy\u00ean nghi\u1ec7p:\u00a0C\u00e1c k\u00eanh n\u00e0y cung c\u1ea5p c\u1ea3 ch\u00ednh s\u00e1ch b\u1ea3o h\u00e0nh v\u00e0 ho\u00e0n ti\u1ec1n n\u1ebfu t\u00e0i kho\u1ea3n b\u1ecb h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng kh\u00f3a ho\u1eb7c h\u1ea1n ch\u1ebf giao d\u1ecbch.<\/p>\n

S\u1ef1 tinh vi n\u00e0y \u0111\u1eb7c bi\u1ec7t nguy hi\u1ec3m v\u00ec n\u00f3 h\u1ea1 th\u1ea5p r\u00e0o c\u1ea3n cho nh\u1eefng t\u1ed9i ph\u1ea1m c\u1ea5p th\u1ea5p nh\u1ea5t c\u0169ng c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c phi v\u1ee5 r\u1eeda ti\u1ec1n quy m\u00f4 l\u1edbn.<\/p>\n

KELA cho bi\u1ebft: “T\u1ed9i ph\u1ea1m m\u1ea1ng \u0111ang c\u00f4ng khai qu\u1ea3ng c\u00e1o c\u00e1c t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng \u0111\u00e3 x\u00e1c th\u1ef1c, v\u00ed fintech, t\u00e0i kho\u1ea3n s\u00e0n giao d\u1ecbch\u00a0ti\u1ec1n \u0111i\u1ec7n t\u1eed<\/a>, t\u00e0i li\u1ec7u \u0111\u1ecbnh danh gi\u1ea3 m\u1ea1o v\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng r\u1eeda ti\u1ec1n tr\u1ecdn g\u00f3i \u1edf quy m\u00f4 c\u00f4ng nghi\u1ec7p”.<\/p>\n

D\u1eef li\u1ec7u th\u1ef1c \u0111\u1ecba cho th\u1ea5y, c\u00e1c nguy c\u01a1 t\u1eeb ho\u1ea1t \u0111\u1ed9ng c\u1ee7a\u00a0t\u1ed9i ph\u1ea1m m\u1ea1ng<\/a>\u00a0\u0111ang b\u1ee7a v\u00e2y h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh to\u00e0n c\u1ea7u, \u0111\u1eb7c bi\u1ec7t t\u1ea1i c\u00e1c th\u1ecb tr\u01b0\u1eddng \u0111ang chuy\u1ec3n \u0111\u1ed5i s\u1ed1 m\u1ea1nh m\u1ebd. T\u1ea1i M\u1ef9,\u00a0m\u1ed9t con s\u1ed1 \u0111\u00e1ng b\u00e1o \u0111\u1ed9ng khi \u01b0\u1edbc t\u00ednh c\u00f3 t\u1edbi\u00a00,3% t\u1ed5ng s\u1ed1 t\u00e0i kho\u1ea3n\u00a0t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh hi\u1ec7n \u0111ang n\u1eb1m d\u01b0\u1edbi quy\u1ec1n ki\u1ec3m so\u00e1t c\u1ee7a c\u00e1c m\u1ea1ng l\u01b0\u1edbi t\u00e0i kho\u1ea3n “mule”.<\/p>\n

Trong khi \u0111\u00f3, KELA ghi nh\u1eadn g\u1ea7n\u00a0250.000 tin nh\u1eafn\u00a0li\u00ean quan \u0111\u1ebfn c\u00e1c t\u00e0i kho\u1ea3n thu\u00ea ho\u1eb7c gi\u1ea3 m\u1ea1o \u0111\u1ec3 lu\u00e2n chuy\u1ec3n d\u00f2ng ti\u1ec1n qua h\u1ec7 th\u1ed1ng thanh to\u00e1n t\u1ee9c th\u1eddi PIX t\u1ea1i Brazil. V\u1edbi Argentina, h\u01a1n\u00a0100.000 tin nh\u1eafn\u00a0rao b\u00e1n \u0111\u1ecbnh danh CBU\/CVU c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 v\u00ed \u0111i\u1ec7n t\u1eed n\u1ed9i \u0111\u1ecba.<\/p>\n

T\u1ea1i Colombia, c\u00e1c n\u1ec1n t\u1ea3ng fintech nh\u01b0\u00a0Nequi v\u00e0 Daviplata\u00a0\u0111ang b\u1ecb t\u1ed9i ph\u1ea1m m\u1ea1ng “s\u0103n l\u00f9ng” r\u00e1o ri\u1ebft v\u00ec quy tr\u00ecnh \u0111\u0103ng k\u00fd t\u1eeb xa \u0111\u01b0\u1ee3c cho l\u00e0 c\u00f3 k\u1ebd h\u1edf d\u1ec5 b\u1ecb khai th\u00e1c.<\/p>\n

S\u1ef1 tr\u1ed7i d\u1eady c\u1ee7a AI \u0111\u00e3 mang \u0111\u1ebfn “v\u0169 kh\u00ed h\u1ea1ng n\u1eb7ng” cho t\u1ed9i ph\u1ea1m m\u1ea1ng. Kh\u00f4ng c\u00f2n d\u1eebng l\u1ea1i \u1edf vi\u1ec7c d\u00f9ng \u1ea3nh t\u0129nh, c\u00e1c t\u00e1c nh\u00e2n \u0111e d\u1ecda hi\u1ec7n s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 AI nh\u01b0\u00a0ChatGPT<\/a>\u00a0v\u00e0 RunwayML \u0111\u1ec3 t\u1ea1o ra c\u00e1c video l\u1eeba \u0111\u1ea3o v\u1edbi c\u1eed \u0111\u1ed9ng khu\u00f4n m\u1eb7t c\u1ef1c k\u1ef3 ch\u00e2n th\u1ef1c. Thay v\u00ec ch\u1ec9 \u0111\u01b0a m\u1ed9t m\u00e0n h\u00ecnh c\u00f3 s\u1eb5n video gi\u1ea3 m\u1ea1o tr\u01b0\u1edbc camera \u0111i\u1ec7n tho\u1ea1i, t\u1ed9i ph\u1ea1m s\u1eed d\u1ee5ng ph\u1ea7n m\u1ec1m \u0111\u1ec3 \u0111\u01b0a lu\u1ed3ng\u00a0video Deepfake<\/a>\u00a0tr\u1ef1c ti\u1ebfp v\u00e0o \u0111\u1ea7u v\u00e0o d\u1eef li\u1ec7u c\u1ee7a \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 gi\u00fap qua m\u1eb7t \u0111\u01b0\u1ee3c c\u00e1c b\u01b0\u1edbc ki\u1ec3m tra th\u1ef1c th\u1ec3 s\u1ed1ng th\u00f4ng th\u01b0\u1eddng.<\/p>\n

Ngo\u00e0i ra, c\u00f4ng ngh\u1ec7\u00a0RVC (Retrieval-based Voice Conversion)\u00a0c\u00f2n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 gi\u1ea3 m\u1ea1o gi\u1ecdng n\u00f3i c\u1ee7a n\u1ea1n nh\u00e2n nh\u1eb1m v\u01b0\u1ee3t qua c\u00e1c b\u01b0\u1edbc x\u00e1c minh b\u1eb1ng cu\u1ed9c g\u1ecdi.<\/p>\n

\u0110\u1ec3 d\u00f2ng ti\u1ec1n b\u1ea9n kh\u00f4ng b\u1ecb ph\u00e1t hi\u1ec7n ngay l\u1eadp t\u1ee9c, t\u1ed9i ph\u1ea1m m\u1ea1ng \u00e1p d\u1ee5ng c\u00e1c chi\u1ebfn thu\u1eadt ng\u1ee5y trang h\u00e0nh vi tinh vi:<\/p>\n

– Account Warming:\u00a0S\u1eed d\u1ee5ng bot \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch nh\u1ecf, h\u1ee3p ph\u00e1p nh\u01b0 thanh to\u00e1n h\u00f3a \u0111\u01a1n ti\u1ec1n \u0111i\u1ec7n, ti\u1ec1n n\u01b0\u1edbc s\u1ea1ch trong m\u1ed9t th\u1eddi gian d\u00e0i. M\u1ee5c \u0111\u00edch l\u00e0 t\u1ea1o ra l\u1ecbch s\u1eed giao d\u1ecbch tr\u00f4ng gi\u1ed1ng nh\u01b0 m\u1ed9t ng\u01b0\u1eddi d\u00f9ng th\u1eadt tr\u01b0\u1edbc khi \u0111\u1ed5 nh\u1eefng kho\u1ea3n ti\u1ec1n l\u1edbn t\u1eeb l\u1eeba \u0111\u1ea3o v\u00e0o.<\/p>\n

– Predictive Smurfing:\u00a0S\u1eed d\u1ee5ng c\u00e1c thu\u1eadt to\u00e1n \u0111\u1ec3 t\u1ef1 \u0111\u1ed9ng \u0111i\u1ec1u ch\u1ec9nh quy m\u00f4 v\u00e0 th\u1eddi \u0111i\u1ec3m chuy\u1ec3n ti\u1ec1n. H\u1ec7 th\u1ed1ng n\u00e0y s\u1ebd t\u00ednh to\u00e1n \u0111\u1ec3 c\u00e1c l\u1ec7nh chuy\u1ec3n ti\u1ec1n lu\u00f4n n\u1eb1m d\u01b0\u1edbi ng\u01b0\u1ee1ng c\u1ea3nh b\u00e1o c\u1ee7a c\u00e1c h\u1ec7 th\u1ed1ng ch\u1ed1ng r\u1eeda ti\u1ec1n truy\u1ec1n th\u1ed1ng v\u1ed1n ch\u1ec9 d\u1ef1a tr\u00ean c\u00e1c quy t\u1eafc c\u1ee9ng nh\u1eafc.<\/p>\n

Theo c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u, th\u1ecb tr\u01b0\u1eddng ng\u1ea7m c\u0169ng cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 ph\u1ee5c v\u1ee5 cho ho\u1ea1t \u0111\u1ed9ng l\u1eeba \u0111\u1ea3o tr\u1ef1c tuy\u1ebfn nh\u01b0 k\u00eanh Telegram “GrossInfo” – cung c\u1ea5p c\u00e1c m\u1eabu t\u00e0i li\u1ec7u \u0111\u1ecbnh danh d\u01b0\u1edbi d\u1ea1ng t\u1ec7p PSD (Photoshop) c\u00f3 s\u1eb5n c\u00e1c l\u1edbp (layer), cho ph\u00e9p ch\u1ec9nh s\u1eeda th\u00f4ng tin c\u00e1 nh\u00e2n d\u1ec5 d\u00e0ng \u0111\u1ec3 v\u01b0\u1ee3t qua c\u00e1c v\u00f2ng ki\u1ec3m tra t\u00e0i kho\u1ea3n t\u1ef1 \u0111\u1ed9ng. M\u1ed9t b\u00e0i \u0111\u0103ng cung c\u1ea5p m\u1eabu t\u00e0i li\u1ec7u n\u00e0y \u0111\u00e3 thu h\u00fat h\u01a1n 400 ph\u1ea3n h\u1ed3i mua h\u00e0ng. Ngo\u00e0i ra c\u00f2n bao g\u1ed3m\u00a0d\u1ecbch v\u1ee5 Cash-out Pipelines – n\u01a1i t\u00e1c nh\u00e2n \u0111e d\u1ecda ch\u1ec9 c\u1ea7n chuy\u1ec3n ti\u1ec1n “b\u1ea9n” v\u00e0 nh\u1eadn l\u1ea1i ti\u1ec1n “s\u1ea1ch” \u0111\u00e3 \u0111\u01b0\u1ee3c r\u1eeda qua nhi\u1ec1u l\u1edbp t\u00e0i kho\u1ea3n mule, x\u00f3a s\u1ea1ch d\u1ea5u v\u1ebft d\u00f2ng ti\u1ec1n.<\/p>\n

S\u1ef1 tr\u1ed7i d\u1eady c\u1ee7a m\u00f4 h\u00ecnh MaaS tr\u00ean Telegram, k\u1ebft h\u1ee3p v\u1edbi s\u1ee9c m\u1ea1nh c\u1ee7a AI v\u00e0 Deepfake, \u0111\u00e3 \u0111\u00e1nh d\u1ea5u m\u1ed9t b\u01b0\u1edbc ngo\u1eb7t nguy hi\u1ec3m. T\u1ed9i ph\u1ea1m t\u00e0i ch\u00ednh gi\u1edd \u0111\u00e2y kh\u00f4ng c\u00f2n l\u00e0 nh\u1eefng c\u00e1 nh\u00e2n \u0111\u01a1n l\u1ebb m\u00e0 \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t h\u1ec7 th\u1ed1ng c\u00f3 t\u1ed5 ch\u1ee9c, quy m\u00f4 l\u1edbn v\u00e0 chuy\u00ean nghi\u1ec7p. Khi c\u00e1c\u00a0c\u00f4ng c\u1ee5 AI<\/a>\u00a0c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng v\u01b0\u1ee3t qua nh\u1eefng r\u00e0o c\u1ea3n b\u1ea3o m\u1eadt truy\u1ec1n th\u1ed1ng nh\u01b0 x\u00e1c th\u1ef1c khu\u00f4n m\u1eb7t hay ki\u1ec3m tra h\u00e0nh vi, c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh bu\u1ed9c ph\u1ea3i ti\u1ebfn h\u00f3a nhanh h\u01a1n b\u1eb1ng c\u00e1ch tri\u1ec3n khai c\u00e1c h\u1ec7 th\u1ed1ng ph\u00e2n t\u00edch h\u00e0nh vi n\u00e2ng cao v\u00e0 ch\u1ee7 \u0111\u1ed9ng gi\u00e1m s\u00e1t c\u00e1c “ch\u1ee3 \u0111en” k\u1ef9 thu\u1eadt s\u1ed1.<\/p>\n<\/article>\n","protected":false},"excerpt":{"rendered":"

\u00a0Thanh B\u00ecnh Vi\u1ec7c s\u1edf h\u1eefu m\u1ed9t t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng “s\u1ea1ch” \u0111\u1ec3 r\u1eeda ti\u1ec1n b\u1ea5t ch\u00ednh gi\u1edd \u0111\u00e2y \u0111\u00e3 kh\u00f4ng c\u00f2n l\u00e0 c\u00f4ng vi\u1ec7c th\u1ee7 c\u00f4ng c\u1ee7a nh\u1eefng k\u1ebb m\u00f4i gi\u1edbi truy\u1ec1n th\u1ed1ng. Ch\u1ec9 v\u1edbi v\u00e0i c\u00fa click chu\u1ed9t tr\u00ean Telegram, b\u1ea5t k\u1ef3 ai c\u0169ng c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn m\u1ed9t “gian h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1” […]<\/p>\n","protected":false},"author":20,"featured_media":47993,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[3,24,35],"tags":[],"class_list":["post-47992","post","type-post","status-publish","format-standard","has-post-thumbnail","category-canh-bao-khuyen-nghi","category-tin-noi-bat","category-tin-tuc-su-kien"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/antoanthongtinhaiphong.gov.vn\/wp-json\/wp\/v2\/posts\/47992","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/antoanthongtinhaiphong.gov.vn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/antoanthongtinhaiphong.gov.vn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/antoanthongtinhaiphong.gov.vn\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/antoanthongtinhaiphong.gov.vn\/wp-json\/wp\/v2\/comments?post=47992"}],"version-history":[{"count":1,"href":"https:\/\/antoanthongtinhaiphong.gov.vn\/wp-json\/wp\/v2\/posts\/47992\/revisions"}],"predecessor-version":[{"id":47994,"href":"https:\/\/antoanthongtinhaiphong.gov.vn\/wp-json\/wp\/v2\/posts\/47992\/revisions\/47994"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/antoanthongtinhaiphong.gov.vn\/wp-json\/wp\/v2\/media\/47993"}],"wp:attachment":[{"href":"https:\/\/antoanthongtinhaiphong.gov.vn\/wp-json\/wp\/v2\/media?parent=47992"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/antoanthongtinhaiphong.gov.vn\/wp-json\/wp\/v2\/categories?post=47992"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/antoanthongtinhaiphong.gov.vn\/wp-json\/wp\/v2\/tags?post=47992"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}