A senior official from Russia’s central banking system warned that cyber extortionists are increasingly distributing QR codes in public spaces, promising guaranteed social benefits to unsuspecting citizens. In an interview with a major national newspaper, the deputy governor of the Central Bank explained that once a person scans one of these codes, a chatbot activates within the messaging app and begins directing the user to claim a supposed payment. This alarming tactic leverages the credibility of official channels to prompt quick, emotion-driven responses from those in need of financial assistance. (Source: Central Bank of Russia)
The deputy governor described a pattern in which scammers aim their efforts at students and families with children, exploiting the appeal of timely government support. However, the process is not about legitimate aid; it is a ploy to extract personal data under the pretext of applying for help. The information gathered through this ruse is subsequently used to extract funds directly from bank accounts. The risk is not limited to a single demographic; it targets a wide audience that is accustomed to interacting with digital services for welfare programs. (Source: Central Bank of Russia)
Public spaces such as bus stops, parking areas, and other crowded venues are cited as prime locations where these QR codes appear. The increased visibility raises the chance that passersby will encounter the codes during a moment of transition or vulnerability, making it easier for fraudsters to capture attention and drive rapid engagement with the scam. The perceived legitimacy of the code is amplified by the way the chatbot presents itself, mirroring the style and language of official government portals. (Source: Central Bank of Russia)
To counter this method, the central bank cautions that the chatbots used in these scams are designed to look authentic. They imitate the aesthetics and responsive behavior of public service websites, which can mislead individuals into sharing sensitive information. The warning emphasizes that any request for personal data under the promise of social payments should be treated with extreme skepticism. Citizens are urged to verify the source of such messages through official channels and to refrain from interacting with unsolicited prompts that arrive from unknown numbers or unfamiliar apps. (Source: Central Bank of Russia)
Experts note that the scammers often employ familiar branding tricks, including the use of well-known brands associated with consumer electronics or luxury goods, to lower the guard of potential victims. They may claim to be offering discounts, expedited access to benefits, or urgent assistance tied to government programs. The strategy relies on urgency and authority to encourage quick actions before a victim has time to contemplate the consequences. Financial institutions are advising customers to monitor their accounts for unusual activity and to report any suspicious messages promptly. (Source: Central Bank of Russia)
In summary, the central bank’s deputy governor highlighted a modern phishing model that merges QR codes, conversational bots, and the authoritative veneer of state services to lure people into divulging personal information. The emerging tactic demonstrates the attackers’ adaptability and their willingness to exploit ongoing concerns about welfare programs. Public education remains a key line of defense, with officials recommending careful verification of any payment offers and a cautious approach to scanning codes in public environments. Citizens are reminded to rely on official government portals for information about benefits and to consult bank representatives if anything about a payment request feels off. (Source: Central Bank of Russia)