Please tell me the punishment level for electronic financial fraud.

Hello.

It must have been very confusing and upsetting to suffer smishing damage after sending gift certificates as a gesture of filial piety.

Recently, messenger phishing impersonating acquaintances, especially smishing fraud through KakaoTalk, has been rapidly increasing, requiring special caution.

As in this case, demanding gift certificates through messages or messengers impersonating parents is a very common type of electronic financial fraud.

In particular, there are many methods that disguise as wedding invitations, first birthday parties, etc., or pretend to be acquaintances' emergency situations to induce URL clicks, so when receiving messages or messenger texts, you must develop the habit of first verifying the facts by phone or other means.

Unfortunately, while it is difficult to fully recover the damaged amount, please immediately report to the police, request the gift certificate issuer to suspend use, and consult with related agencies such as the Financial Supervisory Service.

The damages refund procedure is as follows.

(1) Apply for damage relief to the financial company

(2) Suspension of payment for the relevant account

(3) After requesting the Financial Supervisory Service to publicly announce the commencement of bond extinction procedures, the bond is extinguished after 2 months

(4) The refund amount is determined and notified within 14 days from the date of bond extinction

(5) The amount is immediately refunded to the victim of telecommunications financial fraud

Victims of electronic financial fraud can request criminal punishment of perpetrators on fraud charges through criminal proceedings, and aggravated punishment is possible when telecommunications means were used.

Also, financial damages can be recovered through civil lawsuits for damages or claims for return of unjust enrichment against account holders.

Through these procedures, you can receive both legal protection and economic compensation.

Electronic financial fraud damage can happen to anyone, so please respond quickly and follow the necessary procedures.

If you need additional help, please feel free to request a legal consultation at any time.