爱华网笔者是IT科班出身，看着因特网发展壮大，在处理社交网（SNS）方面向来比较谨慎，自信不会惹来什么麻烦。检点自己的SNS，已经作废或不怎么使用的有MSN，Yahoo。使用中的SNS，大致有这么几个： Skype（主要用来通话，都是熟悉的朋友或者家人），FaceBook（由朋友的朋友形成的松散的圈子，不认识的大于认识的），LinkedIn（工作上有往来，或者是科技圈的朋友），QQ(跟国内交往的工具)，微信（也叫WeChat，同胞通用的比较私密的朋友圈）。
严格地讲，FaceBook与LinkedIn都是实名制，并且只能加自己知道的人。但是，网络自动推介工具不时地加进来许多生面孔，所以，圈子会越来越大。从利用者的角度看，本来也没打算面对面的交往，所以，对加入邀请一般不怎么拒绝。何况有的人为了扩大知名度，甚至有意识地宣传自己的账号。
客观地看，LinkedIn里的人层次较高，都是业界学界的知名人士。至少在我的LinkedIn里是这样的。但是，由于并没有直接的业务联系，一般很少一对一地通讯。偶尔有些猎头公司的人会发几个邮件过来，推荐一些单位等等。笔者就曾经收到过这样几封信，偶然也会接一两个电话。所以，当今年盛夏的某一天，收到MsIrene Lee Yun Lien的一封电子邮件，说有一个重要的机会希望尽快与她联系时，我想她一定又是猎头公司的职员了。
Ms Irene Lee YunLien在LinkedIn上的账号显示她是香港恒生银行的董事。以前来函的一般都是与IT有关的公司，难道恒生的IT部门要招人吗。怀着满腔好奇，回复了Lee女士的信。不久，接到她如下回信。
Dear David
Thanks for accepting my connection in Linkedin and I will formallyintroduce myself to you. I am Ms Irene Lee Yun Lien, Non-executiveDirector at the Hang Seng Bank Plc. I am contacting you concerningan abandoned sum of $22,500,000.00 USD. In June 2004, A customercalled Fernando Wei a foreign contractor with Royal Dutch Plc cameto our bank for business discussions and investment, As the officerin charge of his transaction then, I encouraged him to considervarious growth of funds with prime ratings. Then he investedNineteen Million Five Hundred Thousand United State Dollars only.Based on my advice, we were able to spin the initial deposit withprofit and interest to 22.5 million U.S Dollars. After few months;my bank (Hang Seng) sent several notice to him without response andunfortunately, my client died in a car crash along with his nuclearfamily at France while on sabbatical in the summer of 2007, maytheir soul rest in peace. He died without leaving a Will andseveral efforts were made to find his extended family through yourembassy without success. Because of the sensitive nature of privatebanking, most customers don’t nominate next of kin in theirinvestment, also usually in most cases leave their WILLS in ourcare, in this case; our now deceased client died in-testate.
It is quite clear now that our dear client died with no known oridentifiable family member. According to practice, the Privatebanking sector will by the end of this year broadcast a request forstatement of claim to Hang Seng Bank Ltd, failing to receive viableclaims they will probably revert the deposit to the Management ofHang Seng Bank Ltd. This will result the money entering the HangSeng accounting system and the portfolio will be out of my handsand out of the private banking division. What bothers me most isthat according to the laws of my country at the expiration of Ten{10} years the funds will revert to the ownership of the Hong KongGovernment if nobody applies to claim the funds.
Now, I am prepared to give the necessary details to you as theclosest surviving relation of our deceased customer (Fernando Wei).I am also proposing that after a successful execution of thebusiness deal, the funds will be shared in the ratio 40/60. Youwill get 40% and I will be entitled to 60% as the initiator of thedeal. You know that I must have done my home work already beforecontacting you. Although the project is capital intensive, I know Iwill be able to pull it through following proper banking and legalchannels with your assistance at your end. I will tidy up the legalaspect with the assistance of a lawyer who will prepare all thedocuments that will be needed to transfer the money from Hong Kongto your country. Once more, I ask that if you find no interest inthis project that you should discard this mail and forget I evercontacted you, I ask that you do not be vindictive and destructive;do not destroy my career. Opportunities like this only comes oncein a lifetime. I am a responsible woman and this is an opportunityfor me to give my family the best in life. I would want you tothink about this and let me know your decision. If you give me apositive response, I will give you the relevant INFORMATION for thesuccessful transfer of these funds and we both enjoy it inpeace.
If you give me positive signals on my email irenelyl770@gmail.com ,I will initiate this process towards a conclusion. I wish to informyou that should you not contact me via official channels becauseour calls are being monitored at the bank. You can also check on myBiography from this link as well(http://bank.hangseng.com/1/2/about-us/directors-organisation/board-of-directors). You can also call our official line +852-2822-0228 but do nottalk about this transaction or I may deny knowing you, when youcall? Ask of Ms Irene Lee Yun Lien (Hang Seng Bank【】) and if I am onseat, then your call shall be transferred to me, what I will wantyou to do is to abolish the call before I talk because my officialline are not secured means to reach me bearing in mind, the natureof this transaction, because they are periodically monitored toassess our level of customer care in line with our Total QualityManagement.
I await your response.
Regard
Ms Irene Lee Yun Lien
看这封信，我头皮一下就膨胀了。如果Lee女士的故事属实，这里的2千2百50万美金，我可以分得40%，也就是凭空天上掉下来900万美金。有这等好事？这背后包含着什么？
Lee女士的故事似乎简单可信。她的一个客户Fernando先生在投资一大笔钱以后，不幸在法国死于车祸。因为没有指定继承人，这笔资金将在10年后自动转入香港政府的管理之下。所以，Lee女士迫切地想找到一个貌似客户亲属的人以便将这笔钱处理掉。当然，Lee的报酬是60%，也就是1100多万美金。
这似乎是一个合伙分赃的交易。所以，Lee显得神秘兮兮，又使尽浑身解术想证明她的身份。
朋友，假定真有这样的事落到你的头上，你怎么处理？面对900万美金的诱惑，你会不会动容？
小时候曾经在《读者》上看到过一篇报道，说的是战后为了冒领一位死去的富豪在日本银行的存款，有不少人动了很多的心机，有人甚至自残以制造相应的证明材料，可见金钱的诱惑是多么巨大。
很快Lee又发来她的ID照片，当然跟恒生银行网上公布的照片很像，也是其在LinkedIn上的注册照片。一个跨国银行的董事，真的要干这样犯法的事吗？她信誓旦旦地说，所有法律文件全部由她指定的律师去处理，她急需的是能够充当Fernando亲属的人。
笔者断定这是一种诈骗，但不明白对方能从笔者身上诈出什么，当然不会轻易把自己的证件交给对方的。过了些日子，再去LinkedIn浏览，Lee的账号已经不复存在了。当然，恒生银行的利蘊蓮女士，依然是独立非执行董事。
